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NYS Banking Department-Home Equity Loans Survey Interest Rate Information Home Equity Loans Markets Albany Buffalo Long Island New York Metro Rochester Syracuse Westchester Co, NY Definition of terms used in this survey New York State home equity loans Average Highest Lowest 7.31 8.50 5.50 Albany Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Central National Bank 800-449-6842 12/23/05 7.00 .50% disc w/auto debit; $7,500 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min First Niagara Bank 518-270-3200 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.00 $50 fee; $2,500 min TrustCo Bank 518-436-9043 12/23/05 7.00 $5,000 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 6.25 $500 fee; no min Bank of America 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min Evans National Bank 716-549-6000 12/23/05 6.50 .25% disc w/auto debit; $7,500 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 6.00 .50% disc w/auto debit; no min Suffolk County NB of Riverhead 631-208-2222 12/23/05 6.75 $5,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min Independence Community Bank 800-732-3434 12/23/05 6.49 .25% disc w/auto debit; $10,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.99 Range: 7.99-10.99%; $600-1000 fee; $10,000 min Union State Bank 800-887-8775 12/23/05 6.25 1.50% disc w/auto debit; $100 refundable app. fee; $5,000 min Wachovia Bank, NA 800-922-4684 12/23/05 6.84 Range: 6.84-8.00%; $150 fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min Community Bank, N.A. 800-388-4679 12/23/05 5.50 no auto debit offered 25000 min First Niagara Bank 716-434-6621 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 5.99 .25% disc w/auto debit; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 6.75 $5,000 min Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Partners Trust Bank 866-777-8659 12/23/05 6.99 .50% disc w/auto debit; $7,500 min Solvay Bank 315-468-1661 12/23/05 6.37 $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 6.50 .25% disc w/auto debit; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min Union State Bank 800-887-8775 12/23/05 6.25 1.50% disc w/auto debit; $100 refundable app. fee; $5,000 min Wachovia Bank, NA 800-922-4684 12/23/05 6.84 Range: 6.84-8.00%; $150 fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min Rates are subject to change without notice and may vary from branch to branch. Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. 2005: Bankrate.com All rights reserved. | Home | Search | SiteMap | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified Friday, December 23, 2005 FastCounter by bCentral
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Loan Application Loan application Common Mistakes to Avoid Home buying mistakes can be avoided, you need to know what some of them are. Getting a Loan Follow these steps prior to applying for your home loan. The Mortgage Loan Application A few minutes of preparation can save you hours of hassle, here's the list of what you will need. Interest Rates Lock in your rate with confidence, after you have read these facts. Loan Approval What constitutes as loan approval in Denver? Earnest Money Why is it necessary to pay earnest money before I buy the house? Closing Costs Home buying costs vary by region, here are sample costs for Denver. Down payment for a mortgage Learn about the various allowable sources to obtain your down payment. What is PMI? PMI, do you really need it? FICO Scores FICO scoring is a standard, you need to understand the basics to protect your credit! The steps to getting a VA Loan The steps to getting a VA loan, do you need one? What does it take to get one? Reverse Mortgages Reverse Mortgages have many benefits for older home owners. Financial Glossary It's important to understand the language of finance. search Denver Real Estate Site Loan Application No one likes surprises (except on birthdays and Christmas!) By looking the at the attached loan application you can determine what information the lender is going to require of you. Loan Application HINT: if you plan on printing it out, legal size paper is what you need. Of course it is a "government document" what else would you expect??? :) Using my handy Loan Application Checklist will help to organize the documents you need. A Word or two of caution: When transmitting personal information over the Internet, be sure you know who you are sending it too. Shady folks are always thinking up ways to be evil...mailing the application, faxing or better yet hand delivering to a trusted, local lender is best. Continue to Steps to a VA loan . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog
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Amazon.com: Feels Like Home [ENHANCED]: Music Your Store Music See All 32 Product Categories   Your Account | Cart | Wish List | Help | advanced search | browse styles | classical | top sellers | new & future releases | music you should hear | blowout music | used music | free downloads Search Amazon.com Popular Music - Artist Name - Album Title - Song Title Used Music Classical Music Music Downloads Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . MUSIC INFORMATION Explore this album buying info listen to samples editorial reviews customer reviews RATE THIS ALBUM I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the DVD Store The Incredibles (Widescreen 2-Disc Collector's Edition) DVD ~ Holly Hunter Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . 136 used & new from $6.39 Club price : $8.49 Available for in-store pickup now from: $18.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Feels Like Home [ENHANCED] Norah Jones List Price: $18.98 Price: $10.96 & eligible for FREE Super Saver Shipping on orders over $25. See details . You Save: $8.02 (42%) Availability: Usually ships within 24 hours 136 used & new from $6.39 Club price : $8.49 See more product details Better Together Buy this album with Come Away with Me ~ Norah Jonestoday! Total List Price : $37.96 Buy Together Today: $21.92 Customers who bought this title also bought: Genius Loves Company [Enhanced] ~ Ray Charles The Girl In The Other Room [Enhanced] ~ Diana Krall Afterglow ~ Sarah McLachlan Careless Love ~ Madeleine Peyroux New York City ~ Peter Malick, Norah Jones Songs About Jane ~ Maroon 5 Heavier Things [Enhanced] ~ John Mayer The Diary of Alicia Keys ~ Alicia Keys Explore Similar Items : 20 in Music , 20 in DVD , and 20 in Books What similar items do customers ultimately buy after viewing this item? 12% buy this item(Feels Like Home~ Norah Jones 1% buy Don't Know Why ~ Norah Jones Explore Similar Items : 9 in Music , 4 in DVD , and 2 in Books Product Details Audio CD (February 10, 2004) Original Release Date : 2000 Number of Discs: 1 Label: Blue Note Records Format: Enhanced ASIN: B00018D44U Average Customer Review: Based on 578 reviews. Write a review . Amazon.com Sales Rank: Today: #188 in Music Yesterday: #163 in Music Popular in: Anacortes, WA(#2) , Northridge, CA(#13) . See more Listen to Samples To hear a song sample, click on the "Listen ." Visit our audio help page for more information. 1. Sunrise Listen Listen 2. What Am I To You? Listen Listen 3. Those Sweet Words Listen Listen 4. Carnival Town Listen Listen 5. In The Morning Listen Listen 6. Be Here To Love Me Listen Listen 7. Creepin' In Listen Listen 8. Toes Listen Listen 9. Humble Me Listen Listen 10. Above Ground Listen Listen 11. The Long Way Home Listen Listen 12. The Prettiest Thing Listen Listen 13. Don't Miss You At All Listen Listen Editorial Reviews Amazon.com Norah Jones blew everybody away with her jazzy, country-tinged, Grammy-winning debut CD, Come Away with Me . On this recording, Jones doesn't mess with her trademark formula. Under Arif Mardin's cozy coproduction, Jones is supported by her writing partners, her Handsome Band, and some special guests (country legend Dolly Parton , Levon Helm and Garth Hudson of the Band , and jazz drummer Brian Blade , to name a few). Jones's Texas-twanged vocals and her sparse acoustic and electric Wurlitzer piano lines enliven the CD's 13 tracks, from the light and lively single "Sunrise" to Tom Waits 's "The Long Way Home" and the bouncy duet with Parton, "Creepin' In." Jones's soul-baring piano/vocal rendition of Duke Ellington 's "Melancholia," retitled "Don't Miss You at All," proves she's a true Blue Note artist with unlimited potential. --Eugene Holley Jr. Album Description 'Feels Like Home' features 13 tracks & a host of special guests including Dolly Parton, Levon Helm, Garth Hudson of the Band, Jesse Harris, Robert Burger and Tony Scherr. Blue Note. 2004. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 151 of 167 people found the following review helpful: A different side of Norah Jones , February 22, 2004 Reviewer: Abby (Pittsburg, Kansas United States)- See all my reviews The latest album from Norah Jones, "Feels Like Home" shows us a different side of a singer who clearly has some diverse tastes. Where her debut "Come Away With Me" was reminiscent of Jazz singers like Billie Holiday and Rosemary Clooney, "Feels Like Home" has more of a Gillian Welch sound to it, a feeling that's only enhanced by Jones' duet with Dolly Parton on the bouncy track "Creepin' In". But that doesn't make it any less spectacular. Jones' voice is still beautiful, her piano playing is lovely, and her backup musicians, The Handsome Band, are amazing. Fans of "Come Away" won't be disappointed, despite the change of style. Something else that you see on "Home" that you didn't get before was more of Jones writing her own songs. Most of the tracks here are co-written, but Jones did write one track, "What Am I to you", herself. I will say that Jones is no lyrical genius, but the lyrics take a backseat to the still hauntingly beautiful instrumental work, especially on "Carnival Town", which has a nice string arrangement by the album's co-producer Arif Mardin. So, to sum up: "Feels Like Home" is quite different from "Come Away with Me", but it's no less great. Jones maintains the casual, relaxed quality of her music, and leaves fans more than satisfied. I can't wait to see what she comes out with next. Judging from this album, she can continue experimenting with whatever style she wants, and she'll still produce a wonderful work of art. Was this review helpful to you? ( Report this ) 95 of 102 people found the following review helpful: Delicious, seductive musical rapture... , February 10, 2004 Reviewer: Christian Hunter (Santa Barbara, Ca United States)- See all my reviews I was in the bathroom of this quaint little fish market with a converted restaurant when I first heard Norah's voice. I remember standing around in that humid little red bathroom through almost 3 tracks (not exactly good protocol on a date) totally enraptured by the the "not quite raspy, not quite silk" quality of her voice, the seductive cadence in her rythm, and delicious instramental accompaniments. I was an immediate fan and bought her CD the next day. Norah singlehandedly branded my entire summer of 2002 as "romantic" with her first major work. So with nervous anticipation I had my first listen of this CD tonight, and without further ado, I'm so happy to report that "Feels Like Home" (in my opinion) is as good or better than "Come Away With Me". Thank you Norah! From what I know of Norah Jones, she got her musical career really moving when she moved from Texas to New York City. I'm guessing here, but if I had to ascribe a dominant geographic influence to each album, I'd say Come Away "leans New York" while Feels Like Home seems rooted more in Texas. Perhaps that's why this new album is named what it is...? The only song on this CD I didn't immediately love is "Creepin In". It moves fast, is definitively country (I'm fairly certain Dolly Parton is singing along, but I don't have the album cover), yet it's very catchy and fun (as testimony, I found myself humming it tonight in the shower). Below is a list of songs that (if you love her past work) you'll immediately adore: Sunrise: I got an advance listen to this track a couple of months ago and fell in love with it at first listen. I think it's one of the loveliest songs on the album. What Am I To You: Beautiful BB King style R&B track. Will certainly be a huge hit. When I first listened to this CD I couldn't get past this particular song. I listened to it a half-dozen times straight. Carnival Town: Mostly guitar and piano (which is when I think she's at her best), the intricacy in her luscious voice is amplified and really stands out for appreciation. In The Morning: If I decided to do what I threatened so often as a kid to do, and "ranaway", this would be the perfect song to play as I screamed out of town in some hastily acquired convertible...Rambling Anyone? Sorry...This track is intense (not loud), with a wonderful buildup and easy flowing rhythm punctuated by passionate lyrics that then break into cool but subdued R&B. Toes: Norah at her best! Dreamy and romantic, the rhythm moves unpredictably but "just right" between light and heavy. Yikes, if that's not ambigious (might make more sense to you when you hear it). Humble Me: Hauntingly lonely guitar entres this song about struggle, desperation, and forgiveness. Ooh this one is good! The Prettiest Thing: This is a slam dunk hit. A jazzy, slow rhythm that picks up in tempo and seduces you into focusing on what is probably her most romantic moment in the CD (occurs around 2 minutes 45 seconds into this track). Forgive me if this is overly dramatic (it's 2am at the writing of this review), but this song literally gave me the chills. And on that note, I'll sign off. Enjoy this elegant work of art, you won't be dissapointed. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 3 people found the following review helpful: A Wonderful Album , November 18, 2005 Reviewer: Jared O. "horror fanatic" (Florida USA)- See all my reviews Soul/bluegrazz/jazz is how you descirbe Norah Jones. With great songs thoughout the album, its no wonder why she went platinum with this one. She shows of her vocal applitly hitting very high notes and low ones. The band is great on this album. They have such a variety in there instrumentation and note progression. Beautiful. I loved this album and so will you. Jared (buy) Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: She is one the best blues singers out there , October 26, 2005 Reviewer: Quiet Tiger "Time is short. Live well." (Iraq via Denver)- See all my reviews In the modern world of hustle and bustle people don't take time for music like this and for me it's been a revelation. I'm just getting into Blues. I have listened to Jazz for many many.... many years but haven't really taken time with the Blues. She has taken some Mississippi mud and formed something I didn't expect to find. This music is timeless because she brings you back to the where Blues came from but in a clean modern setting. She is essential music in my opinion and highly undervalued as a musician. I own both of her musical ventures to date and both of these are very powerful in their simplicity, straight forwardness and honesty. The sheer majesty that people miss in her music is that she isn't pretentious about who she is but she knows her value. This is good stuff. Was this review helpful to you? ( Report this ) 14 of 23 people found the following review helpful: sick and tired of protected CDs , October 16, 2005 Reviewer: S. Hogan (bratislava, slovakia)- See all my reviews I don't understand why this CD is rated 'Enhanced' rather than 'Content Protected'. I cannot play it in my computer, and I cannot transfer songs from it to my phone. I'm sorry I paid good money for this disc, and I'm doing my best not to buy 'protected' CDs from ANY artist. Can't Amazon clearly label such CDs, so I can buy others instead? Was this review helpful to you? ( Report this ) 11 of 14 people found the following review helpful: Another beauty from Norah Jones , August 22, 2005 Reviewer: Dr. Emil Shuffhausen (Central Gulf Coast)- See all my reviews There are no signs of "sophomore slump" on this, Norah Jones' second CD. As on her debut, her smoky blend of jazz, country, and classic piano pop continues to intoxicate and delight. While she doesn't stray far away from her foundations, she does show signs of growth and moderate experimentation. This CD reminds me somewhat of Willie Nelson's best work (the way he can blend Texas sawdusty outlaw country with sophisticated jazzy Reinhardtisms). Norah has an earthy groundedness that nicely counterpoints her light, breathy voice. The album opener, "Sunrise," is perfect...not only as a lovely individual track, but as the album opener. It sets a mood that is both reflective and sprightly...a little playful, but also pensive. "What Am I to You?" is a deeply felt, bluesy song, as is "In the Morning." These two cuts sandwich the picturesque "Carnival Town." Norah hits the listener right in the gut with the velvet brick, "Humble Me," but she will definitely make you smile with her Dolly Parton duet, "Creepin' In." On "Don't Miss You at All," her heart, soul, and voice let you know that her words are not really true. There's something special about Texas singers: Lyle Lovett, Willie Nelson, Buddy Holly, Janis Joplin, Roy Orbison...and Norah Jones. They have a way of taking the music from deep in their hearts, and putting it deep into yours. Was this review helpful to you? ( Report this ) See all 578 customer reviews... Customers who bought titles by Norah Jones also bought titles by these artists: Diana Krall Peter Malick Adam Levy Touch Acoustra Ray Charles Explore similar artists So You'd Like To... 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