Land Loans for Residential

Construction Lot Loans Construction Loans for Custom Residential Properties | 4 Contact Us | 4 About Us | 4 Disclosures | 4 Privacy | 4 Media Kit | 4 Site Map | Tips On Choosing a Contractor Stated Income Program Time Line NEW LOAN Prime Minus One Today's Rate 6.00% * *During Construction Land Loans for Residential Construction Our Lot loan program is one of our more popular products. T hese land loans are designed as purchase money loans for those borrowers who aren’t ready to begin construction at this time, and as such are not ready to obtain a construction loan, but will be ready in the near future. T he lot must be normal for the area and at least one utility must be available from the street. (Septic tanks, propane tanks, are acceptable if these features are normal for the neighborhood.) J ust like in construction loans we can fund this loan both as a Full or Alternate Doc and as a Reduced Doc (Stated income) loan. For Fully Documented Loans we offer 80% LTV/CLTV to a maximum loan amount of $500,000 for credit scores of 620, with 6 months PIT reserves and a maximum back-end debt ratio of 42%. 90% LTV/CLTV to a maximum loan amount of $300,000, for credit scores of 700, with 24 months PIT reserves and a maximum back-end ratio of 42%. 85% LTV/CLTV to a maximum loan amount of $300,000, for credit scores of 700, with 24 months PIT reserves and a maximum back-end debt ratio of 42%. For Reduced Documentation (stated Income, verified assets) loans we offer: 75% LTV/CLTV to a maximum loan amount of $300,000, for credit scores of 680, with 6 months PIT reserves. 70% LTV/CLTV to a maximum loan amount of $500,000 for credit scores of 680+/- with 6 months PIT reserves and maximum back-end debt ratio of 42%. 85% LTV/CLTV to a maximum loan amount of $300,000. for credit scores of 700+ with 24 months PIT reserves and a maximum back-end debt ratio of 42% We offer two repayment options; A 30/2 fixed rate laon. This is amortized over 30 years and all due and payable in two years. A 30/5 adjustable rate loan. This program is amortized over 30 years and all due and payable in five years. We offer two index plans for the 30/5. A 12 MAT product with a start rate that is fixed for the first 3 months and then adjusts monthly; and a 6 month LIBOR with a start rate that is fixed for the first 6 months and then adjusts every 6 months thereafter. We will lend on parcels up to 50 acres at the following LTVs; 0-20- The above guidelines apply. 20.01 – 30 –75% LTV maximum 30.01 – 40- 70% LTV maximum 40.01 – 50 – 65% LTV maximum We do not currently offer a refinance option on lot loans so pick the term that best fits your needs. In fact most lenders do not offer a refinance option and it goes without saying that if you don’t choose the loan carefully you will end up having to refinance using a very expensive loan or rush into a construction loan. Questions? Call us at 1-800-246-2468 , we Love talking construction loans. Or send an email , for a prompt reply. More Information ABOUT Home Equity Line of Credit You can borrow against the equity in your present property and use the proceeds to use for the down payment of your new homes construction loan. We offer home equity lines of credit for up to 100% of the value of your property, including both documented and stated income programs. House Plans B uilder ready house plans or architects. Search sources for professionally designed house plans from the smallest family house to the largest mansion designed by some of North Americas best architects. No Doc Construction Loans W e offer a whole range of no income documentation construction loans . Programs include stated income, limited doc, no doc and no income. Our consultants will help you pick the right one for you. Thinking of building a Modular Home and take advantage of the time saving features of this type of construction? Our construction loans will accommodate up front deposits required. Modular Homes. [ Home | Site Map | Construction | Remodeling | Lot Loans | Equity Based | Spec Loans | Application | Contact Us | Documentation ] [ Mortgage Calculator | Rates & Fees | Let 'em Know | Let Us Know | F.A.Q. | Resources | Prime Construction Loan | About Us ] [ Privacy Policy | Disclosures ] [ Contact Us | Home Plans | Media Kit | Home Equity Line | Construction Loans FAQ Home Page ] 1999-2005, Construction Loans Center at Mark 1 Mortgage. All Rights Reserved. Mark 1 Mortgage Is a California Corporation, Licensed By The Federal Housing Commissioner, and The California Department of Real Estate. For Details Please Go to the About Us Page

Selling Home

North Carolina Real Estate at HPW: Raleigh Real Estate, Coldwell Banker, Real Estate Agent, Home Buying Welcome to the #1 Real Estate Website in North Carolina showing you 12,664 homes with more property details and community information than any other website! Find the home of your dreams from among 12,664 properties, click on ShowMe to request a personal showing or request further information on any property you see. Over 70% of home buyers begin their search online. Maximum Internet exposure for your property is critical. Click here to learn how only Coldwell Banker Howard Perry and Walston can provide you with that optimum exposure. Our associates are the very best in the Triangle , click here to find your Coldwell Banker Howard Perry and Walston agent today. With in-house mortgage and title services we provide you a seamless transaction while saving you time and money. Click here learn about the wonderful area known as the Triangle.Regularly rated as among the top places in the country to live, we're happy to show you around. A commitment to excellence in customer service has earned the division almost every national industry award. Click here to learn how Coldwell Banker Howard Perry and Walston can help you whether you are moving into or out of the Triangle. Representing the Triangle's top builders & developers and equipped with unparalleled resources, our experienced team of sales and marketing professionals will work with you to find the new home that's perfect for you. And we stand ready to help builders and developers find emerging opportunities in the Triangle's top locations. At Coldwell Banker Howard Perry and Walston, our focus is on assisting you to make the most informed decision about entering a career in Real Estate. We'll answer all of your questions and assist you in making the best decision for your personal career. Our Coldwell Banker Concierge program is designed to help you with home and move-related services from vendors you can trust. As a valued customer, you'll get some great deals and discounts! Coldwell Banker Howard Perry and Walston is one of the largest real estate companies in the Triangle, with more than 8,500 transactions a year and 1.8 billion in sales. Property Search Sell Your Home Find an Agent Financial Services Explore Our Area Relocation Services New Home Neigborhoods Careers/ Education Concierge/ 55+ Services About HPW 6 Bess Court Durham $247,500 4 Beds, 2 Baths " / 1612 Carnation Drive Durham $254,900 4 Beds, 2 Baths " / 4 Mill Haven Court Durham $254,900 4 Beds, 2 Baths " / 27 Innisfree Drive Durham $257,900 2 Beds, 2 Baths " / 1704 CHESHIRE BRIDGE ROAD Durham $259,900 4 Beds, 2 Baths " / Inman Park-The Estates 2201 Inman Park Drive $600,000 to $800,000 Raleigh 1421 heritage links drive Wake Forest $559,500 4 Beds, 4 Baths " / 1310 Queensferry Road Cary $839,000 3 Beds, 3 Baths " / 1305 Queensferry Road Cary $980,000 4 Beds, 3 Baths " / 300 Lake Manor Road Chapel Hill $1,175,000 6 Beds, 5 Baths " / 2824 Efland Cedar Grove R Efland $649,900 4 Beds, 4 Baths " / Simplify Home Buying and Selling with Our Comprehensive Services If you need assistance with home buying or selling, you can turn to a Coldwell Banker Howard Perry and Walston real estate agent. We are a full-service real estate company offering real estate, mortgage, title, and concierge services. We also bring you the number one real estate website in North Carolina where you can view all of the listings in the Triangle, including new home communities. You can also find information on everything Raleigh, Cary, Durham, Chapel Hill and the surrounding communities offer. By working with a Coldwell Banker Howard Perry and Walston real estate agent you can take advantage of our cutting-edge technology, intimate market knowledge, and superior customer service for all of your real estate needs. E-mail Webmaster Corporate Office 4112 Blue Ridge Rd., Raleigh, NC 27612 (919) 782-5600 - FAX (919) 783-0094 Site Map Privacy Policy Help

Real Estate Investing Sites

Real Estate Investing and Information Sites THE SOURCE FOR INFORMATION ON FORECLOSURE OUR MOST POPULAR PAGES Bank Foreclosures - REO Pre-Foreclosure Homes Foreclosure Help Foreclosures Discussion Real Estate Investing Sites FORECLOSURE ARTICLES Ready to Invest? Foreclosure Investing 101 Foreclosure Investing 111 Buying at Trustee's Sale Finding Foreclosures Determining Property Value Real Estate Foreclosures FORECLOSURE RESOURCES CA Foreclosure Time-Line Investment Tools Sources for Comps CA County Resources Real Estate Definitions INFORMATION & LINKS Foreclosure Industry Links Avoiding Foreclosure Scams Equity Buyout Scams Trustees and Posting Co.'s "How To" Information Curb Appeal Importance HOME MAIL Real Estate Investing and Information The following sites provide a wide variety of articles and information about property, mortgage notes and various legal aspects related to the purchase of real property. Many sites will have articles specific to their area of expertise, some will have discussion boards where you can ask questions and receive specific answers. Innovest Resource Management Training for the purchase of foreclosure property. Includes Foreclosure Forum discussion board . Foreclosure Focus - New Jersey A discussion board specific to New Jersey foreclosure International Real Estate Digest The World's Foremost On-line Real Estate Magazine National Mortgage Note & Contract Buyer We pay premium prices for 1st lien position real notes and contracts, nationwide. All property types. We pay all closing costs and related fees. Free online or phone-in quotes. LegalWiz.com Bill Bronchick's site, good information and articles. Real Estate ABC The ABC's of Real Estate and Finance. Solid Information. Real Estate Center Texas A&M's Site, be sure to check their publications link. Real Estate Link.net Information and tools. Includes Discussion Boards . The Real Estate Library Foreclosure based, information and articles. Includes Foreclosure Talk discussion board. The Paper Game All about notes and investing. Lots of articles. Realtor.com The Official Internet Site of the National Association of REALTORS Yahoo! Their Real Estate section. Some good tools available. The Carlton Sheets Alternative An inexpensive guide to property purchase and resale Simply Foreclosures A free beginning guide to foreclosure investing Remove your mortgage PMI & Save $$$ RE/MAX College Park Realty Providing Services to Los Angeles & Orange County. 4 Convenient Locations to serve you. Southern California Appraisal Services Real Estate Appraisal If you have found other quality sites providing interesting information and articles that you feel should be included on this page, please forward the site address to relinks@all-foreclosure.com Sites are first considered for the quality of the information available on the site, then by how appropriate the information is for a wide audience. Sites specific to a small community, even if they have very good information on the community probably won't be included due to the limited applicability of the information. Statewide type information sites are much more likely to be appropriate for a wide audience, specifically information for Texas, California, Florida, New York, New Jersey, Illinois, Ohio and other high population states. All sites are manually reviewed, but will not necessarily be included.

Home For Sale

Homes and Communities - U.S. Department of Housing and Urban Development (HUD) HUD news Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Hurricane Information HUD's hurricane resource page How to get help Press releases and photos HUD's response to the hurricanes Progam guidance and waivers Katrina Disaster Housing Assistance Program Contact information Operating requirements Consolidated contributions contract Disaster rent subsidy contract HUD Highlights Bush Administration announces $1.33 billion in grants to house and serve thousands of homeless individuals and families $20 million aimed at increasing public housing resident self-sufficiency and aiding elderly, disabled HUD seeks nominations for second annual Woodson Awards President Bush announces Homesteading Initiative Jackson signs 'Five-Star' statement of support for National Guard and Reservists HUD announces mortgage assistance for disaster victims Avoid Predatory Lenders Web Clinics for HUD Partners National Calendar of events Daily message At Your Service Learn how to buy a HUD home Learn how to apply for public housing and Section 8 See if HUD owes you a refund on your FHA loan Find a HUD-approved lender in your area Talk to a housing counselor File a housing discrimination complaint Submit Freedom of Information Act (FOIA) request Busque información en español Learn about the President's agenda to expand homeownership More services Important Links Medicare Prescription Drug Coverage Annual Performance Plan 2005 Performance Accountability Report (PAR) Equal employment opportunity data posted pursuant to the No Fear Act regulations.gov Information by State Find information about homes and communities, organized by state. Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico/ Virgin Islands Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Homes for Sale Find homes for sale from HUD and other federal agencies. Information For... Citizens Homebuyers Senior citizens Veterans/Military Kids Students People with disabilities Researchers Landlords Tenants Colonias/farmworkers Native Americans Victims of Discrimination Housing Industry Lenders Brokers Housing agencies/tribes Multifamily industry Appraisers Other Partners Grantees/ non-profits Congress/ elected officials Small businesses Fair housing Faith Based and Community Organizations Hospitals Investors Auditors/ investigators Now Playing Appraisal Protocol Content updated December 23, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Texas Land Trusts Top

TPWD: News Release — Nov. 24, 2003/Texas Land Trusts Top 1-Million Mark in Acres Conserved Maincontent Local Navigation print friendly search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home Land & Water Land Private Tltc News Articles Links: What's a Lone Star Land Steward? Preserving Texas's Cultural Heritage Turning Brownfields Green Private Landowners Wildlife/Agricultural Tax Exemption Nov. 24, 2003 Texas Land Trusts Top 1-Million Mark in Acres Conserved AUSTIN, Texas -- Private landowners working with Texas land trusts have now conserved more than 1,307,681 acres of land, according to new statistics from the Texas Land Trust Council. The new acreage total sets another record, an increase from last year’s record total of 995,122 acres, a figure roughly comparable to the size of the entire Texas State Parks system. There are 39 land trusts in Texas. Some are national organizations with active Texas chapters, such as The Nature Conservancy and the Trust for Public Land. But most are regional groups unique to Texas, such as the Katy Prairie Conservancy and the Valley Land Fund. “Land trusts have sometimes been behind-the-scenes players, working quietly but effectively to protect open space and wildlife habitat,” said Robert L. Cook, TPWD executive director. “But today the visibility and conservation role of land trusts in our state is growing. These organizations are increasingly important to private landowners who are looking for help to address our biggest threat to wildlife, which is loss of habitat.” According to the Natural Resource Conservation Service’s 1997 National Resources Inventory, Texas led the nation during the 1990s in converting rural prairies, forests and coastline into shopping centers and houses, farms and factories. Texas loses about 283 square miles of rural open space to development each year. Land trusts join ranchers and other landowners together to combat these threats, and they represent the fastest growing conservation movement today, according to Carolyn Vogel, who works with the Texas Land Trust Council at the Texas Parks and Wildlife Department. “With Texans searching for ways to address conservation at the local level, the number of land trusts has multiplied with 22 new land trusts established in Texas in the past 12 years,” she said. The Protected Lands Inventory Survey asked Texas land trust members about acres conserved in their operating area, conservation methods used, and conservation purposes such as providing wildlife habitat or protecting water quality. Lands conserved include cactus-studded deserts, mile-high mountains, sunny coasts and dense forests. “Today Texas has close to 21 million people,” said John Hamilton, Texas Land Trust Council board president. “In 25 years, the population is expected to grow by 50 percent to more than 30 million people. Our open spaces are under tremendous stress that is only going to multiply.” For a directory of Texas land trusts, plus information about tools such as conservation easements and links to other resources, see the Texas Land Trust Council Web pages ( http://www.tpwd.state.tx.us/landwater/land/private/tltc/ ). TH 11/24/2003 Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: October 12, 2005, 12:46 pm