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Rental Property

Scotsman.com Property - News - Overseas workforce homes in on rental properties Please note: Either your browser does not comply with current Web Standards or it has been unable to load the stylesheet that accompanies this page. [ Accessibility statement ] [ Skip past navigation ] Websites Scotsman.com websites News Sport Business The Scotsman Scotland on Sunday Edinburgh Evening News Dating Jobs Motors Property Travel Business Finder Member Centre Web Feeds Media Pack Site Help Digital Archive 1817-1950 Photo Gallery Reader Holidays Scotsman Calendar Money Fantasy Golf Haggis Hunt Edinburgh Festivals Entertainment Heritage & Culture Leisure Weather Webcams Search | Site map Jobs | Property | Motors | Dating | Money Log in Register now - free! Member Centre Navigation menu Home For Sale For Rent News Advertise Help Clippings Saved Searches Property News Tue 13 Dec 2005 Printer friendly Send to friend Overseas workforce homes in on rental properties JOANNA VALLELY YOUNG professionals from abroad are fuelling a huge boom in the number of people looking for homes to rent in the Capital. Some landlords claim they expect to let out as many as 44 per cent more properties by the end of 2005 due to the growing number of Antipodean and Eastern European professionals coming to live in Edinburgh. And they say that the Capital's attractions are leading many of the newcomers to readily accept longer leases than before as they choose to stay in the city for longer periods or even permanently. Property experts claim the unexpectedly high demand for rented housing this year is due to the rising international popularity of Edinburgh as a place to live and work. Steven Currie of property management company DJ Alexander, attributed the high demand for rental flats to Edinburgh's vibrant atmosphere. He said: "I've lost count of the number of clients who say this city offers an atmosphere like no other in Britain, or indeed in Europe, and is driving their desire to live here. "While demand for accommodation from overseas clients is nothing new, I have never known it to be on the scale that it is today." Mr Currie said the firm was on target to let at least 1300 housing units in 2005, whereas the average for recent years was closer to 900. He described the typical tenant as a young professional in their 20s or 30s, drawn here by Edinburgh's international reputation. "It is the city, first and foremost, that has drawn them here - they have come to Edinburgh to live and work rather than come here to work and live," he said. Mr Currie said that while a typical tenant initially planned to live in the Capital for six months to a year, many then decided to stay on for longer, with some settling for good. "I know that from the number of people I meet in the course of the job who, having initially rented from us, go on to buy a home in Edinburgh," he added. He said that average rent on a two-bed property in the Capital had risen about £50 from last year to around £600 to £800 a month. Neil Thompson, property manager at Edinburgh Property Management, agreed rental properties were shifting very quickly. He said: "Things are going very quickly, which is surprising as historically this is a poor time of year." Mr Thompson said the firm had taken on 80 or 90 new rentals this year, compared to 50 or 60 last year. "I've noticed an increase in Eastern Europeans and particularly Polish people. People are less likely to balk at a contract of at least six months, which shows they do intend to stick around." Simon Fairclough, property expert at Edinburgh Solicitors Property Centre, said rented accommodation was much sought after. "There's a healthy demand for rental properties," he said. The Scottish Executive said it had received 7240 enquiries about its Fresh Talent scheme, which aims to tackle declining population by attracting people to live and work in Scotland, since the scheme went live in October 2004. Ben Carter, VisitScotland's area director for Edinburgh, said: "Edinburgh is consistently voted one of the top European destinations. It has so many unique attractions for people visiting on a short holiday, as well as those who want to extend their stay. "Edinburgh is highlighted in many of VisitScotland's international marketing campaigns, including a new £1 million European city break campaign. We also work with the Scottish Executive on their Fresh Talent initiative through joint promotions, such as our presence at New York's Tartan Week last year." 1500 families in the Lothians are homeless NEARLY 1500 families with children in Edinburgh and the Lothians were assessed as homeless last year. New figures show that, in the Capital alone, 875 families - 1.89 per cent of all households with children in the city - were homeless, 26 more than the year before. Across Scotland, the number of homeless families rose to 9395, representing nearly 16,000 children. The figures were condemned by SNP deputy health spokesman Stewart Maxwell, who claimed the Scottish Executive was failing in its pledge to end homelessness. He said: "These figures confirm what many of us feared. Instead of seeing the decline and eradication of homelessness in Scotland, we are seeing a year-on-year rise. "The reality for many thousands of children across Scotland this year is that they will have a homeless Christmas, rather than a happy Christmas." The figures show a total of 1491 families with children assessed as homeless in Edinburgh and the Lothians, up from 1471 the previous year. In East Lothian, the number was up from 133 to 137; in Midlothian, the increase was from 137 to 173; while in West Lothian, there was a fall - from 352 to 306. The number of children affected fell slightly in Edinburgh, from 1460 to 1421. But it rose in East Lothian from 202 to 221; and in Midlothian from 223 to 283; while in West Lothian, it fell dramatically from 626 to 525. This article: http://property.scotsman.com/news.cfm?id=2399612005 Last updated: 13-Dec-05 12:05 GMT Delivery formats for "News" [more info] RSS feed Add to my email News: page 2 House prices on the rise again, for the first time in 15 months One in ten capital residents 'can't afford the home they live in' 400 homes set for former mental home site Sellers' market for Scotland's estates What will the Executive do after Edinburgh's housing No vote? Landlord fined over fire safety Prize for all the family A canal runs through it Use a little holly to get the lolly Going, going ... ... almost gone Invite all the relatives - somewhere else Norcool Cool Giant Eco-friendly guidelines to develop city green houses Overseas workforce homes in on rental properties Lanarkshire town focus of £69m double deal Alba lettings go through roof as property rents surge Page 2 of 5 ©2005 Scotsman.com | contact

Real Estate Agent

DOL - Real Estate Real Estate WELCOME to the website for the Real Estate program of the Business and Professions Division of the Department of Licensing. The Real Estate program, in conjunction with the Washington Real Estate Commission, provides public protection in the real estate marketplace through the education and licensure of real estate brokers and salespersons. The Washington Real Estate Commission is appointed by the Governor to advise the Director regarding the rules and regulations governing the activities of real estate licensees. The commission is authorized to hold educational conferences and authorized to prepare and conduct examinations for licensure. WHAT'S NEW: Online Renewal Service Available Real Estate Licensees now have the option of renewing online. The online renewal process can be used to provide continuing education and renewal payment information using a Visa or MasterCard debit or credit card, along with a unique password, which will be shown on your Notice to Renew. When the Renewal process is complete, a confirmation screen will be displayed that you can print for your records. Your license will be sent to the address on file within 14 business days.This alternative approach to renewing will provide a convenient and efficient process that is currently in use by many other departments. If you have any questions, please contact Real Estate Licensing by calling (360) 664-6500 or via email at RealEstate@dol.wa.gov . New Real Estate Administrator Mr. Lee Malott has accepted the Real Estate Administrator position.Lee comes to us from the east side of the mountains from the great city of Walla Walla and brings a wealth of knowledge and experience with him from the private sector. Lee has 10 years experience as a real estate salesperson and has been a memberof the Washington Association of Realtors. His most recent years of his career have been spent successfully in the hospital administration arena--leading large groups of employees working in hospital/nursing home settings. Lee will join us on Monday, October 17th as Real Estate, Appraiser, Timeshareand Camp Resort Section Administrator. 18.85 RCW Revision Task Force Information Join our mailing list - If you are interested in becoming a subscriber, you can sign onto the DOL Real Estate Program LISTSERV® today. There is no cost to subscribe and you may delete your address at any time. Change in Real Estate Fees - Effective June 27, 2005, the Department of Licensing is suspending the collection of the $26.50 fee for name and address changes and transfer. (WAC 308-124A-460) As a reminder, requests for the above changes postmarked before June 27, 2005 must still submit the required fee. Questions? Call (360) 664-6500 or email realestate@dol.wa.gov. As part of the Department of Licensing's ongoing initiative to ensure that real estate licensees endeavoring to earn the broker's (or associate broker's) license are receiving appropriate pre-license training, the Washington Center for Real Estate Research (WCRER) is coordinating a curriculum review. The current contents of the Brokerage Management and Business Management courses were adopted in late 1995 or early 1996, and have not been substantially reviewed until now. If you have recently taken either or both of those courses and have suggestions for modification to their content or emphasis, please forward your suggestions to the WCRER at wcrer@wsu.edu. Prescribed Core Curriculum Requirement The Washington State Real Estate Commission and Department of Licensing have adopted new rules that will require the completion of 3 clock hours of prescribed core curriculum, beginning with renewal dates on or after June 1, 2004. Core CurriculumRequirement Scenarios Notice to all Active Real Estate Licensees and Real Estate Schools Recognition Agreements Check the statusof a professional license. - An Internet-based application designed to give you access to Professional Licensing data. You can navigate the system using full and partial name, license number and other search criteria to perform searches for professional licensing information. FEATURES: Audit Guidelines Real Estate Resources - ARELLO Publications available. Washington State Guidelines for Advertising and Procuring Prospects on the Internet - Adopted September 19, 2000 Guidelines for Using Unlicensed Assistants SERVICES PROVIDED: Washington Real Estate Salesperson's License. Washington Real Estate Broker's License. Information on Examination Locations and Times. Information on Education Services and Publications. Prescribed Core CurriculumRequirement The department has revised its course approval application toprovide for approved providers to designate a course as including theprescribed curriculum. (Word Document) Information on Washington Center for Real Estate Research. - (To be able to use this link, your browser will need to support frames.) PUBLICATIONS: Real Estate Course Catalog Real Estate License Disciplinary Guidelines Washington Real Estate Curriculums For Real Estate related questions please e-mail RealEstate@dol.wa.gov . For Real Estate Audit related questions please e-mail ReAudit@dol.wa.gov . Mailing Address: Department of Licensing Real Estate Audit Section PO Box 2445 Olympia, WA 98507-2445 Phone Number: (360) 664-6515 Fax Number: (360) 570-4941 Please view the right side of this website for the various Real Estate licensing section's telephone and fax numbers. What's New Fees Forms Services Features Publications Meetings & Minutes FAQs Professional Licensing Internet Query Brokers License Salespersons License Appraisers Main Page Real Estate Education Washington Real Estate Commission Real Estate Complaint Form Real Estate Licensing Program Disciplinary Actions Washington Real Estate Licensing Law: RCW 18.85 Real Estate Brokerage Relationships: RCW 18.86 General Provisions: WAC 308-124 Licensing & Exams WAC 308-124A Brokers Office WAC 308-124B Records WAC 308-124C Operational Procedures WAC 308-124D Trust Accounts WAC 308-124E Education WAC 308-124H URBP - RCW 18.235 Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 570-4977 Real Estate Audit Section: (360) 664-6515 Fax: (360) 570-4941 Office Hours: 8:00 a.m. to 5:00 p.m. Fees Accepted: 8:30 a.m. to 4:30 p.m. Pacific Time Monday through Friday Write: Department of Licensing Real Estate Program PO Box 9015 Olympia, WA 98507-9015 Business Location: 2000 4th Avenue West, Olympia, WA 98502 E-Mail: RealEstate@dol.wa.gov ReAudit@dol.wa.gov

land For Sale Alabama

AFOA Forestland For Sale Opening Page Events Calendar News News Conferences Land For Sale Hunting Land For Lease Fee Hunting, Guided Hunts, Club Memberships Services & Supplies Archived 2004 News Archived 2003 News Archived 2002 News Archived 2001 News Archived 2000 News Archived 1999 News Archived 1998 News 2005 Calendar Past Events 2004 Calendar Past Events 2003 Calendar Past Events 2002 Calendar Past Events 2001 Calendar Past Events 2000 Calendar Past Events 1999 Calendar Past Events 1998 Calendar Past Events 1997 Calendar Past Events Forestland For Sale Alabama Forest Owners' Association (AFOA) AFOA does not check with sellers to learn if a propertyhas been sold. We rely on sellers to notify us. A property that has been listed for morethan a month or two has probably been sold. Members may list one forestland sale on this page each year at no cost as long as the price does not exceed 4 times the "current-use" bare-land assessment (approx. $1,000 to $2,400 per acre) plus the value of the standing timber and regeneration. Members who wish to list more than one timberland sale per year or list land priced higher than the above guidelines may list properties for a fee. The description will be color highlighted. Effective January 2005 , all professional land sellers must pay a minimum $30 to post an ad, including those sellers which represent or are represented by a member. Click here to Send Description of Your Land To Be Listed. ( 12/21/05) 38 acres for sale in Gosport, AL . Great dove field or home site, planted pine, hardwood timber, county road frontage, & Pond Site. Pond site was surveyed out by ASCS office. This tract would make a great rural residential site or recreational tract. It is convenient to Hwy. 84, Grove Hill, and & Monroeville. Asking $83,600. For more info, photos, maps, etc. visit www.forestryland.com or contact Clint Flowers of A&M Forest Consultants, Inc. at (251) 387-0787. Merry Christmas ! (12/21/05) 3,268 acres for sale on the Alabama River in South Clarke County , south of Carlton, AL. 4000+ sq. ft Lodge constructed of Pecky Cypress harvested from property with garden tubs overlooking river, manager’s house, helicopter pad, private plane hanger in Jackson, sold fully furnished, and more amenities too numerous too describe. Timber consists of old growth, ~23 year old, and planted hardwood. Established food plots. Excellent, deer, turkey, pig, & duck hunting. An additional 2,625+/- acres is also available with purchase of the 3,268. For more info, photos, maps, etc., visit www.forestryland.com or contact Clint Flowers of A&M Forest Consultants, Inc. at (251) 387-0787. Merry Christmas ! (12/20/05) 20 and 40 acres in Itawamba County, Mississippi ; fronts on Dorsey Evergreen Road, near I-22 and the TEN-TOM Waterway. Pine trees, some hardwood and fenced pasture, and a small farm pond. $3,000 to $3,500 per acre. Call (919) 489-0849. (12/05/05) 385 acres in Marion County, Al . 20+ year-old timber. $900/acre. Call (205) 631-2575. (12/05/05) 200-acre farm for sale in Walker County, AL , 12 miles north of Jasper off highway 195 on Bennett Road. Fronts on county road. 2bd/1bth house, barn, 2 storage houses, 1994 Ford 3930 tractor. Plantation pines recently appraised at $100k. Asking $650,000. Contact Keith Wood at (901) 854-1744 or keith.wood@ipaper.com , or Myron Wood at (918) 492-1949 or twood001@aol.com . (12/02/05) 405 acres in Greene County . Tombigbee River, frontage, hardwood timber. Camp house. Call Walter Tutt at (334) 534-1315. Visit Tutt Land Company . (11/28/05) 198.2 acres in Macon County , located on County Road 7, four miles from Interstate 85, in Shorter, AL. Eighty-five acres of open land and the rest in hardwoods and pines with hunting, home sites, and year-round water. Asking price - $2,800/acre. Will consider dividing into two tracts. Call (334) 727-4344 or (334) 398-4344. (11/18/05) 109 acres in Mobile County . Over 100ac in excellent deer hunting. 40 unit RV park. 1/2 ready to move in. Other 1/2 of park is 90% complete. City sewer available for entire property and water. 5 miles to city limits. 20 minutes to Gulf of Mexico. 40 acres in pasture. $3,600/ac. (256) 782-1444 (mobile). (11/16/05) 216 acres in north Walker County , close to Smith Lake, with deer and turkey. $1,500/acre. For details, call Perry Lollar at (205) 275-5251. (11/16/05) 40 acres FOR SALE IN BIBB COUNTY - For sale by owner off County Road 20. Property was cut in 1999 and spot planted. Some mature hardwoods left. Site index and hunting. Priced at $1,725/acre. Call (205) 908-0913, day or night. (11/11/05) 97 acres in Tallapoosa County , thirty miles north of Auburn, one mile from US 280. Road frontage, visibility, some loblolly sawtimber, forage for livestock, fences, perennial streams, game, building sites, 30X48 four-year old barn. Pond/pond sites, rolling Piedmont country. $239,000. Call (606) 247-2645 or (334) 524-4242. (11/07/05) 120 acres of timberland in northwest Autauga County , Alabama, with two-bedroom cabin, 10-acre duck pond, and timber. $1,800/acre. Call Mike at (334) 875-7229 (at night). (11/03/2005) 389 acres in Perry County (Marion) Alabama . FOR SALE BY OWNER: PRICE DROP $2,050/acre down from $2,150, FIRM - 30 DAYS ONLY! Will be given to agent in December and price will be raised to cover agent’s fee - buy now or pay later! 60 acres six-year pine/oak, 90 acres hardwood, 120 acres five-year pine, 75 acres three-year pine, and 42 acres open. Working timber and cattle farm - completely fenced. Large creek-crossing property with several pond sites; Black Belt land, two useable old barns, a well, food plots and winter grazing planted. Hunting. Paved road frontage and power available at the property line. Local property manager will consider continued management of property. Call (877) 553-6281 or (706) 662-7682 (voice mail). (10/27/05) 210 acres in Clay County, Alabama . Paved frontage on White Plains Road; creek on property. 40 acres of pine plantation, which needs thinning, and remainder in mature timber. $2,150 per acre or best offer. Call (256) 354-4325, (256) 283-1824, or e-mail to sonny@acs-isp.com . (10/25/05) 114 acres in Walker County, Alabama : 84 acres mature hardwood, 27 acres 2004 plantation; 3-acre lake and 1,200 feet county road frontage. $190,000. Call (205) 221-6960 or check website at www.jhgrahamllc.com for more information. (10/21/05) 204 acres in Fayette County, Alabama , located off of County Road 89: contiguous timberland planted in nine-year-old pine plantation - fully stocked - valued at $580 per acre. Total asking price $320,000. MINERAL RIGHTS INCLUDED. Also, food plots and many other pluses come with this land! Call (205) 344-5139, (205) 799-0291, or e-mail to hwoodard@mlforestresources.com . (updated 10/25/05). (10/12/05) 222 acres in Atkinson County, Georgia , 141 acres of which contains improved slash pine. Hunting. $2,500/acre. Call (334) 393-5036 or (334) 464-4004. If out, leave a message. (10/06/05) 330 acres in Coosa County , 5 miles south of Rockford. Mature mixed pine/hardwood timber with established roads, food plots, and plenty of water for hunting and recreational purposes. $2500/acre. Call Ron at (334) 850-7045. (09/27/05) HEAVILY Timbered tracts with great hunting available. Cruise info, maps, & pictures available at www.forestryland.com or Call Clint Flowers of A&M Forest Consultants, Inc. at (251) 246-4934. More than 20 tracts to choose from throughout South Alabama and Mississippi!!! Creek frontage, River frontage, road frontage... we've got a little bit of everything! (09/27/05) 300 acres in Cullman County between West Point and Jones Chapel. Mostly wooded with small pond, creek, deer, and other game. $3,500 per acre. Call Jim Tidwell (256) 734-7384 or cell 338-3974. (09/25/05) 61 acres in Chilton County. Two adjacent tracts (60.15 ac. & 1.33 ac.). 3 miles south of Montevallo. Bid opening: 2:00 PM, Friday, October 14. For bid prospectus & maps call Tom Brickman at (205) 870-5455 or (205) 936-2160. (09/23/05) 320 acres in Fayette County. Access by county-maintained roads. Various stages of timber growth, both pine and hardwoods. Deer, turkey, and small game. $1,200/acre. Call Grover Daniel (916) 362-8507 after 10 AM. (09/15/05) 80 acres in North Autauga County . $2,200 per acre. Excellent hunting land. Property located 1 mile west of I-65. Value in land only. For map to property call Bob Roberts, Dogwood Realty, LLC at (334) 850-6503 (truck) or e-mail at bobroberts@knology.net . (09/15/05) 220 acres in north Crenshaw Co., AL . Pine plantation approximately 8 years old. Approximately 25 miles south of Montgomery. Paved & dirt road frontage. Pond sites. Excellent hunting. $3,250/ac. Call Knox Norman at (334) 562-3623. (09/06/05) 410 acres in Lamar County , 15 miles West of Fayette. Excellent deer, turkey & dove hunting with 35 acres open field. Good site for developing a lake. One mile of Little Hell's Creek. Merchantable timber. $550,000. J. H. Graham, L.L.C. , (205) 221-7999. (08/31/05) Sealed Bid Sale September 29, 2005. One tract 179 acres; the other tract 361 acres, Clay County, Alabama. The minimum acceptable bid is $175,000 on the 179 acre tract and $385,000 on the 361 acre tract. Elevations over 1,400 feet with excellent mountain vistas. For a combined bid on both tracts as a whole (540 acres) the minimum acceptable bid is $560,000. Portions of both tracts join paved county road. Stephens Realty (334) 863-6412. (08/25/05) 80 acres in Autauga County , off U.S. 82. Billingsley area. Year round stream. Clear cut and planted pines in 1990. Joins International Paper. $2,000 per acre. Contact Harold Smith at (334) 281-1836 or lsmith121@charter.net . (08/23/05) 38 acres in Wilcox County near Kimbrough, mixed pine and hardwood stand, NE1/4 of NE1/4 of Section 1, T12N - R5E for $79,000. Call Hudson Hines (251) 564-1457 or at night (251) 575-7696. (08/17/05) 56 acres in Wayne County Ms. near Chatom Al. Mixed mature Hardwood and Pine Timber, power and water available, public road access onto property. Great hunting and fishing. Chickasawhay River borders property on the western side. Beautiful camp or home site overlooking the river. $3000 per acre OBO. For more information call Marlon Giles @ (601) 735-3892 (modified 08/26/05) . (08/02/05) 491 acre tract located in Russell County , Alabama near Pittsview with ten-year old pine stand. Gravel Road and Paved Road Frontage. Excellent timber-growing land. Land is offered for sale in two tracts or as a whole. Sealed bids due Tuesday, September 6, 2005 @ 2PM EST. SELLER RESERVES THE RIGHT TO REFUSE ALL BIDS . For more information, contact bette.carnell@wachovia.com or call (706) 571-9877. (07/22/05) 80 acres in Wilcox County , cut over in 2002. Excellent timber growing land. $1,500 an acre. Call Ken Lowry at (334) 272-1261. (07/14/05) 92 acres in Bullock County . Excellent deer and turkey hunting tract located at Blues Old Stand. $3000 per acre. Contact Will Curtis at (334) 319-1815 or chill222002@yahoo.com . (07/08/05) 173 acres in Coosa County close to Lake Mitchell for $1,734 per acre. Value in land and timber. Call Bob Roberts, DOGWOOD REALTY, LLC at (334) 850-6503 or bobroberts@knology.net for map/information. Updated 10/11/05. (07/06/05) 70 acres in Clarke County, Mississippi. . Mostly 12 yr. old pines. Gravel rd. frontage. 3 green fields with shooting houses. Electricity available. Excellent deer hunting. $1375 per acre. Call Paul at (601) 735-3717 or (601) 270-7220. (06/22/05) 40 acres in Washington County : 16-year old replanted timberland located 5 miles south of Deer Park. Call Johnny D. Jones at (251) 777-8533. (06/16/05) 601 acres in Perry County , north of Marion, various stand types, road frontage, food plots, power and public water available for $901,500. Call Hudson Hines at (251) 564-1457. (06/02/05) Visit our Web Site at www.iplandsales.com . We have property available across the south. Regional sales coordinators can help you locate land that fits your needs. Check the website for listings and to find a sales coordinator that can help you in your area of interest. Blue Sky Timber Properties, LLC. (06/02/05) 197 ac North Autauga Co ., AL near Billingsly on County Road 1. Property includes 100 ac merchantable pine and hardwood timber. Paved road frontage. Public water and power accessible. 13 ac North Perry Co ., AL near Heiberger. One year old planted pines. One green field. Paved road access on Coon Landing Road. Public water and power accessible. Just minutes to Highway 5. Approximately 30 to 45 minutes drive South of Tuscaloosa. 82 ac Perry Co ., AL near Sprott on County Road 130. Call Tonya Johnson, Robjohn Realty Inc . (334) 289-1855. (06/01/05) 58 acres in Lamar County , Alabama. Big mature hardwood. Bottomland with creek; excellent hunting. Near Detroit, AL. $95,000. Call Joel Hubbert at (205) 412-3825. SOLD (06/01/05) 200 acres in Prentiss County , Mississippi in mostly 13-year old pine plantation about 14 miles east of Boonville, MS off Highway 30. Round frontage on 2 county roads. Good hunting and creek. $1250/acre. Call Joel Hubbert at (205) 412-3825. updated 7/22/05 (06/01/05) 1,142 acres NEAR MOBILE (and I-10), fronting Pascagoula River . Oxbow Lake, Fishing Slough, Duck Pond(s). Over $800/acre timber value, cruise available . Old Growth Hardwood-Pine, Pine Plantations, & some Regeneration HW. All timber unthinned. Great Deer, Duck, and Turkey Hunting... Even bear sign! Asking $1,400 per acre . Call Clint Flowers at (251) 246.4934, e-mail: clintflowers@forestryland.com , or view online at: www.forestryland.com . (06/01/05) 7.3 acres in Chilton County . Oak and pine timber. Price negotiable. Call Mary A. Daniel at (323) 757-2440. (05/23/05) 57 acres in Choctaw County . $1200/acre. Contact John Crook at (256) 409-7006 or mjnumber2@aol.com . SOLD (05/19/05) 401 acres in Perry County . 20 year old pines on 90% of property. Good road frontage. Mostly flat land. 10 green fields. Great investment. Only $2,150/acre. Contact Brad Adair (205) 824-3515. updated 9/28/05 (05/13/05) 360 acres, Madison County , Hunting land, good road system, ponds, springs, mature timber and 15 year regeneration, excellent deer herd and turkey flock, Contact Colin Bagwell (256) 852-4050 or your.forester@mchsi.com . (05/12/05) Land Auction June 25, 2005 10 AM. 400 acres located in Bankhead National Forest, Lawrence County, Alabama. Contact Chuck Crump, AmeriSouth Auctions (256) 353-7525. PENDING (04/11/05) LAND FOR SALE: Clarke County., 306 acres @ $1,350/ acre. 13 year old pines, food plots, on Bassett Creek! READY TO SELL!!! Contact Clint Flowers at (251) 246-4934. Many other properties, maps, and pictures available at: www.forestryland.com . (04/07/05) COURT SALE. 106.6 acres in Winston County. Land & Timber. T10S, R9W, Sec. 10 & 15. Auction at 11:00 AM, Friday, April 29, 2005. For information call (205) 932-0469 or (205) 612-7900 or write to michaelburrow@charter.net . (04/04/05) Clarke County: 40 + acres of clear cut: $60,000; 36.47 acres of dirt road frontage, unrestricted tract that can be broken down or sold as a whole: $70,000. Both properties in Gainestown. Hudson Hines (251) 564-1457. (04/04/05) Perry County: 471 acres : $701,500; 601 acres : $901,500; 130 acres : $200,000. Hudson Hines (251) 564-1457. (04/04/05) 78 acres in George Co., MS , $160,000 - mixed hardwood/pines. Sec 9, T1S R 7W. (601) 735-5016 after 6 PM. Lumberland, PO Box 482, Waynesboro, MS 39367. (03/22/05) 1242 Acre Tract -Timber, Hunting and Recreational investment; various timber stands, interior road system, and 14 acre lake; located on the Pickens and Tuscaloosa County line. For information call Dale Lancaster at Midsouth Forestry Services, Inc. at (205) 364-7145. (03/22/05) 139 acres in Clarke County near Silver Creek, only minutes from Alabama River and Claiborne Lock and Dam, thinned plantation with food plots and public water and power are available. $355,000. Hudson Hines (251) 564-1457. (03/10/05) 134 acres in Pickens County , Alabama on County Road No. 63. Located in Section 17 and 18 Township 22S, Range 13 W, near Mitchell Bluff Cemetery. Good hunting with small pond. Electricity and county water. Price: $1,250 per acre. Call John Davis after 7:30 PM at (405) 396-8180. (02/28/05) Seven timberland tracts for sale on the Cossatot River and Bakers Creek near Gilham Dam in the Ouachita Mountain Range, Howard County, Arkansas (2,359 total acres). Property has dual recreational and timber value. Kayaking, canoeing, camping, hiking, hunting and fishing. Bid opening date is March 24, 2005. Maps and timber volumes can be viewed at www.reynoldsforestry.com ; call Reynolds Forestry Consulting at 870-234-0200 (ext 1203); colleen@reynoldsforestry.com . (01/27/05) 320 acres in Calhoun County between Ohatchee and Southside. Property lays East of Hwy 77 and has deeded frontage to Hwy 77. Property consist of 10yr old natural regeneration pine, mature hardwood stream bottoms, 30acr of mature hardwoods by lake, 600 feet of lake frontage, 600 feet of creek frontage. Deer, Turkey and duck are abundant. Property has green fields, shooting houses and a good interior road system. Great for recreation or development. $2500.00 per acre. Call Joey Cooper at (256) 268-0498. SOLD (01/27/05) 159 acres in Marengo County , Alabama: Section 21, Township 12, Range 1 East with a 21 acre, 12 year-old pine plantation. Asking Price $268,700 (includes appraised timber value of $95,000). Second Parcel: 36 acres in Marengo County (same owner as first parcel): Section 16, Township 12, Range 1 East. Asking Price $32,408 or $900.22 per acre. Contact Holly Woodard at (205) 799-0291, 758-6182, 344-5139 or hwoodard@mlforestresources.com . (01/14/05) 208 acres in Franklin County for sale $192,000 Alabama (Northwest Alabama). Branch and underground spring. This is Dirt price but can get option for timber Planted 20 yr old pine, Hardwood, and 40 acres of 30 year old natural regeneration pine. 1 mile from beautiful 6800 acre Lake. Deeded easement to property, no road frontage. Public Water and Electricity 1700 feet from property line. Deer and turkey habitat. Lays Gently rolling with much flat. Ideal for wildlife food plot construction with much flats. Gated access. Contact Neal Taylor at (256) 332-7377, (256) 810-5552, or henrvt53@aol.com . SOLD (01/14/05) 469 ac in Greene and Tuscaloosa County . 322 ac in plantation pine from 3 to 11 years old. Site indexes for loblolly pine from 76 to 85. 8 green fields and a 16 ac beaver pond for duck hunters. 7.5 miles north of the Knoxville I-20/59 exit. Approximately 30 miles west of Tuscaloosa. Paved road access. Power and water accessible. Robjohn Realty Inc . Tonya Johnson (334) 247-2430 cell, Demopolis office: (334) 289-1855. (12/15/04) SEALED BID AUCTION : Property #1 : 681 acres in Henry County, Alabama near Abbeville. Offered in 2 tracts or as a whole, located on County Road 222. Tract #1 is 298 acres and Tract #2 is 383 acres. Property #2 : 255 acres in Henry County, Alabama near Abbeville located on County Road 217. Both properties are planted with 5-6 year old pines and have abundant wildlife. Sealed bids will be due by Monday, January 10, 2005 @ 2 PM EST. For complete auction details please visit our website, www.tranzon.com or contact Jeremy Masey at 1-800-942-6475. (12/14/04) 20.9 acres in Clarke County near Greenwood north of Grove Hill with 750 ft frontage on Goodhope and Thomasville Rd. $62,000. Call (256) 881-5139. (12/06/04) 78.9 acres in Noxubee County , MS, Mashulaville area - forestland or timber for sale: W1/2,NE1/4,S5,T14N,R15E. Mostly mature hardwood and pine timber in 55 to 75 year age class with 25 to 30% pole grade pine material. Contact Bill at (662) 234-5864 or 233 St Andrews Circle, Oxford, MS 38655. (11/24/04) 1080 acres in Macon County . Premier hunting and recreational property located in Central Macon County. Property consist of pine plantation, hardwoods, creek bottom, and excellent duck habitat. Improvements include a main lodge, guest house, barn with shop, game processing room with walk in cooler. Excellent interior road system, paved road frontage and dirt county road frontage. There is 3.4 miles of frontage on Calebee Creek which provides some of the best deer habitat around. Intensive wildlife management over the past 10 years have created one of the finest turn-key tracts on the market today. The property may be divided into 767 acres and 313 acres, the price per acre is $2860/ac. Contact Will Marks, www.landmarkslandco.com , (334) 832-7300 or wmmarks@mindspring.com SOLD (11/18/04) 210 acres in Jackson County . Hunter’s heaven. 12,000 square foot horse barn, 3000+ square foot bed and breakfast retreat, view of Paint Rock Valley Mountains. Contact Colin Bagwell (256) 852-4050 or your.forester@mchsi.com . Modified 08/04/05 . SOLD (10/25/04) 123 acres in Clay County , Waits Road area, Sealed Bid Sale, November 18, 2004. For bid package call Stephens Realty (334) 863-6412. (10/18/04) 520 acres in Lamar County. Off of Steens / Vernon (County Road #9) about 4 miles from MS line. 80 acres of mature large timber, the remainder is planted in 5-7 year old pine plantation. Excellent hunting with deer, duck, turkey and squirrel and established food plots and shooting houses. Duck hunting is enhanced by a 32 acre beaver pond, sloughs, old creek runs and about 2 miles of Yellow Creek running through the property. Interior access roads through property and 4-wheeler bridge across creek. $655,200. Call (662) 327-4676 for information. SOLD (10/05/04) 160 acres, Northern Clay County on Shinbone Ridge for $168,000, timber cut in 2002, mountain land, elevation 1,060 to 1,480 feet, does not join a public road, good investment and hunting land Stephens Realty (334) 863-6412. SOLD (09/10/04) Lamar County: 30 acres. Mostly young pine timberland. Small creek. Highway frontage. Good hunting with roads & green field. $1,200 per acre. 40 acres. Same type land. Access road but no easement or road frontage. $800 per acre. Call Joel Hubbert at (205) 412-3825. (09/01/04) Visit http://www.alalandco.com to see all of AlaLandCo’s listings or call 1-256-825-4331 for a showing! 440 acres, Lee Co .--10 minutes from Auburn, nice big creek bottoms, 10 yr. old planted pine, terrific deer & turkey hunting, county road frontage. Will divide into 2 or 3 tracts. $1,100,000; 377 acres, Talladega Co .--Cotton & soy farm in the city of Talladega. Borders nice new neighborhood and the Bemiston community. Residential developer’s dream at $2500 per acre. $942,500; 164 acres, Clay Co .--This recreational/ hunting tract has it all! Rustic 3 BR, pine cabin on beautiful, large, swift, rocky creek. Canoeing, fishing, great deer & turkey hunting, awesome mountain views, many spring fed hardwood bottoms, good timber value. $328,000 SOLD (08/26/04) 453 acre tract in southeast Marion County. Frontage on paved road and New River. Bid date Sept 30th @ 2:00 p.m. For more information visit website at: www.jhgrahamllc.com or call (205) 221-7999. (08/26/04) 40 acres in Noxubee County, Mississippi . One mile North of Macon, MS, 30 miles West of Aliceville, AL. Timberland and recreational property. CRP income $1900+/yr. (planted pine, 10 & 13 yrs old, with riparian stream). Great hunting. $2000/acre. Call John Alford at (954) 561-1858. Editor's note (10/12/04): advertised price per acre was reduced by seller to $1500 from $2000 and location was modified to 25 miles W. from Aliceville from 30 miles. (08/06/04) 5 to 300 acres in East Central Alabama. Owner Financing Available. Timberland, Hunting Land, Pastureland, and Premium Home sites. Visit http://www.robertking.net . SOLD (07/23/04) 370 acres in Macon County. Excellent hunting and timber investment, paved frontage with water and power run into property, nine food plots, internal road system, 2 lakes, pine plantation and hardwoods , some open land. Between Tuskegee and Union Springs east of Hwy 29. $2,297/acre. Contact Will Marks, Landmarks Land Company , at (334)832-7300 or wmmarks@mindspring.com . Under Contract (07/13/04) 80 acres in Clay County off Alabama Hwy. 77. Property fronts two sides of Antioch road. Has year round water, roads, some timber. Food plots and excellent hunting with a variety of wildlife. $150,000. Contact Mr. or Mrs. Hopewell at (205) 274-0004 or nhopewell@otelco.net . Updated 06/27/05. (06/24/04) 126 acres in Elmore County on Rifle Range Road. Excellent hunting. Beautiful view all surrounded by rolling hills of pine plantation. Call D. S. Hopson Farms, (985) 898-1972 or 789-7330. (06/24/04) 64 acres in Elmore County on Rigsby Road. Some timber. Call D. S. Hopson Farms, (985) 898-1972 or 789-7330. SOLD (06/24/04) 103 acres in Bullock County. 65 acres in planted pines age 18 & 14. Balance in hardwoods. Direct access to State Highway 239 near Smuteye community. $1,650 per acre. Write to Dr. James S. McLelland at jsmtreefarmer@aol.com . SOLD (05/20/04) 164 acres in Clay County. 150 marketable mature hardwood. Small 3 br hunting cabin with central h/a. Food plots, creek, spring fed branches. Good fishing. Excellent deer, turkey and upland game hunting. $260,000. (256) 547-9522. ((05/17/04) www.farmsandtimber.com is a commercial website with links and contact information for numerous land sales companies. (03/28/04) 40 acres in Autauga County between Selma and Prattville, north of 14 off CR 1, deeded access, plantation and areas of mixed pine and hardwood for only $63,000.00. Hudson Hines, (251) 564-1457. (03/24/04) 1,656 acres in north Mobile County. Includes a 3 bedroom house, garage and utility building. Excellent stands of longleaf pine. Gallops Creek runs through property. Bid date: May 26, 2004. For bid package, call Jessica Little, Larson & McGowin, Inc., (251) 438-4581. (03/16/04) Three tracts of land in Sumter County, Alabama: 80 acres -- http://www.billmackeyproperties.com/livingston80ac.html SOLD (03/03/04) Approximately 6 2 / 3 acres in Macon County. Ideal for a trailer site. Will sell for $6,000. Call Mrs. Ida Catherine Richardson at (334) 727-1560. (slightly revised 7/14/04) SOLD (02/11/04) 7,174 acres in Jasper County, Mississippi. Timberland and recreational property. To be offered as a whole tract or on individual tracts ranging in size from 43 acres to 1,447 acres. Sealed bids to be opened on April 14, 2004. For additional information and bid package, call Greg Wittendorfer, AmSouth Bank Natural Resources Department, (251) 438-8359. SOLD (11/11/03) 122 acres in Randolph County for $244,000 located on paved road, partly in the city limits of Roanoke. No significant merchantable timber. Stephens Realty (334) 863-6412 dstephens@communicomm.com (11/04/03) 601 acres in Perry County north of Marion for $901,500.00*. Tract is on CR 29 and has plantations, and mixed pine and hardwood timber. Tract can be sold as 130 acres for $200,000 * or 471 acres for $701,500*. Hudson Hines (251) 564-1457. * revised from $844,000, $182,000, & $662,00, resp., 03/22/05 . SOLD (10/13/03) 70 acres in Clay County near Millerville. Timber recently cut except 10 acres on backside of creek. County road is the west boundary line. Will sell for $850 per acre and cut the remaining timber or will sell for $850 per acre and add remaining timber value to sales price. Contact Larry Jones at Thornton & Associates, Inc. at (334) 567-5436 or lrjones01@bellsouth.net . (10/09/03) 1,885 acres in Geneva County, Alabama and Walton and Holmes Counties, Florida. Auction November 8 at 11 AM. Call J.P. King Auction Company 1-800-558-5464. (09/06/03) 290 acres in Coosa County near Goodwater. Hwy. 9 is west property boundary in Section 33 & 34, Township 24 north, Range 20 east. Excellent hunting, creek, adequately stocked young pines and hardwoods as well as larger timber. Will bid in 5 parcels or total acres.Bid opening at Cecil’s Restaurant, Alex City, October 10 at 10:30 AM. Call Pennington Forestry at (205)596-3219 or 712-0995. (08/04/03) Eiland Forestry and Real Estate has several Recreational and Timber Tracts listed in central Alabama . Please contact us at (205) 655-0191 or on our website at EilandForestry.com for maps and locations. (07/01/03) John Hall & Company has several hunting, recreation, & timber investment tracts listed for sale in Bullock, Clay, Conecuh, Crenshaw, Dallas, Lowndes, Macon, Marengo, Monroe, Montgomery, Pike, and Russell counties. Acreage ranges from 50 to 2,500. Call 1-800-864-1281. SOLD (06/20/03) 200 acres in St. Clair County. 1000 feet frontage on County Road 22. Mostly hardwoods. 2 acre fishpond. 4 game food plots. $1550/acre. Contact Chip Grizzle at (205) 714-1004 or cgrizzle@brasfieldgorrie.com . SOLD (06/20/03) 80 acres in Blount County on Narrows Road between Hwys 75 & 79. 1/4 mile county road frontage. Surveyed. Call (931) 728-2358. SOLD (06/06/03) 163-acre farm in Cleburne County. Five miles off I-20. Includes barn, 1300 feet of river frontage, bass pond and 14 acres of bottom land. The remaining 143 plus acres is mature hardwoods. Great hunting tract for deer and turkey. Price reduced to $1800.00 per acre from $2250.00 per acre. (09/03/03) Call Tom at (256) 396-0025. (06/03/03) 40 acres in Covington County to be sold by sealed bid on July 17, 2003 at 10:00 AM. Mostly mature longleaf and slash pines surrounded by Conecuh National Forest. Call (251) 867-7724. SOLD (05/30/03) 231 acres in Randolph County. Court ordered auction, June 14, 2003, at 9:00 a.m. (CST) on the steps of the Randolph County Courthouse in Wedowee, AL. To be sold in tracts and/or as a whole. Prime hunting land. Call 1-866-814-5297. (05/02/03) 81 acres in Covington County. 18.9 in CRP 15 year oldpines, 50 acres in 5 year old pines, Balance in native hardwood. 2 branches, 3springs. 3 bedroom, 1 bath, 1200 sq. ft. wood frame farm house on Cothan Driveoff of Rose Hill Road. Call C. V. Wallace at (334) 347-9709. (02/22/03) 40 or 80 acres in Choctaw County. 8 year old pine timber with great hunting and easy access from paved roads. Just east of Butler & 45 minutes from Meridian, MS. $1500 per acre. Contact B. J. Allen at (239) 283-4998 or bjall@aol.com . (02/21/03) 191 acres in Jackson County. Some open, some wooded, 1.5 paved miles of frontage on Jackson paved roads 43, 38 and 49 , public water, adjoins public school, $1545 per acre. Contact Howell Smith at (256) 377-1148 or dianews@wwisp.com . (02/08/03) 160 acres in DeKalb County. Auction at Fisher Crossroads: 10 AM, Saturday, February 15. For details call Dempsey Auction Company at 1-800-336-7739. Click here to visit sale webpage. (02/05/03) 250 acres in Crenshaw County. Mixed pine & hardwood timber. Good hunting. $2,250 per acre. Sell all or may divide. Call Mary P. Carlton at (334) 227-4660. (01/07/03) You may list land for sale at www.landbook.com at no cost for the next 6 months. Click here to view Archived Land for Sale (land that was listed on this page in the past) . (00/00/00) $15 PER UNIT (THIS IS SIX UNITS) X X X X X X X X X X X X X X X X X X X X 1 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 2 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 3 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 4 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 5 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 6 Contact Information: Alabama Forest Owners' Association, Inc. P. O. Box 361434 Birmingham, Alabama 35236 Phone: (205) 987-8811 Fax: (205) 987-9824 Email: AlaFOA@aol.com

home equity lines of

What You Should Know About Home Equity Lines of Credit ESPAÑOL More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest rate that is relatively low. Furthermore, under the tax lawdepending on your specific situationyou may be allowed to deduct the interest because the debt is secured by your home. If you are in the market for credit, a home equity plan may be right for you. Or perhaps another form of credit would be better. Before making a decision, you should weigh carefully the costs of a home equity line against the benefits. Shop for the credit terms that best meet your borrowing needs without posing undue financial risk. And remember, failure to repay the amounts youve borrowed, plus interest, could mean the loss of your home. What is a home equity line of credit? What should you look for when shopping for a plan? Costs of establishing and maintaining a home equity line How will you repay your home equity plan? Lines of credit vs. traditional second morgage loans What is a home equity line of credit? A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumers largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. With a home equity line, you will be approved for a specific amount of credityour credit limit , the maximum amount you may borrow at any one time under the plan. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75 percent) of the homes appraised value and subtracting from that the balance owed on the existing mortgage. For example: Appraised value of home $100,000 Percentage x 75% Percentage of appraised value = $ 75,000 Less balance owed on mortgage - $ 40,000 Potential credit $ 35,000 In determining your actual credit limit, the lender will also consider your ability to repay, by looking at your income, debts, and other financial obligations as well as your credit history. Many home equity plans set a fixed period during which you can borrow money, such as 10 years. At the end of this draw period, you may be allowed to renew the credit line. If your plan does not allow renewals, you will not be able to borrow additional money once the period has ended. Some plans may call for payment in full of any outstanding balance at the end of the period. Others may allow repayment over a fixed period (the repayment period), for example, 10 years. Once approved for a home equity line of credit, you will most likely be able to borrow up to your credit limit whenever you want. Typically, you will use special checks to draw on your line. Under some plans, borrowers can use a credit card or other means to draw on the line. There may be limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) and to keep a minimum amount outstanding. Some plans may also require that you take an initial advance when the line is set up. What should you look for when shopping for a plan? If you decide to apply for a home equity line of credit, look for the plan that best meets your particular needs. Read the credit agreement carefully, and examine the terms and conditions of various plans, including the annual percentage rate (APR) and the costs of establishing the plan. The APR for a home equity line is based on the interest rate alone and will not reflect the closing costs and other fees and charges, so youll need to compare these costs, as well as the APRs, among lenders. Interest rate charges and related plan features Home equity lines of credit typically involve variable rather than fixed interest rates. The variable rate must be based on a publicly available index (such as the prime rate published in some major daily newspapers or a U.S. Treasury bill rate); the interest rate for borrowing under the home equity line changes, mirroring fluctuations in the value of the index. Most lenders cite the interest rate you will pay as the value of the index at a particular time plus a margin, such as 2 percentage points. Because the cost of borrowing is tied directly to the value of the index, it is important to find out which index is used, how often the value of the index changes, and how high it has risen in the past as well as the amount of the margin. Lenders sometimes offer a temporarily discounted interest rate for home equity linesa rate that is unusually low and may last for only an introductory period, such as 6 months. Variable-rate plans secured by a dwelling must, by law, have a ceiling (or cap ) on how much your interest rate may increase over the life of the plan. Some variable-rate plans limit how much your payment may increase and how low your interest rate may fall if interest rates drop. Some lenders allow you to convert from a variable interest rate to a fixed rate during the life of the plan, or to convert all or a portion of your line to a fixed-term installment loan. Plans generally permit the lender to freeze or reduce your credit line under certain circumstances. For example, some variable-rate plans may not allow you to draw additional funds during a period in which the interest rate reaches the cap. Costs of establishing and maintaining a home equity line Many of the costs of setting up a home equity line of credit are similar to those you paywhen you buy a home. For example: A fee for a property appraisal to estimate the value of your home An application fee , which may not be refunded if you are turned down for credit Up-front charges, such as one or more points (one point equals 1 percent of the credit limit) Closing costs, including fees for attorneys, title search, and mortgage preparation and filing; property and title insurance; and taxes. In addition, you may be subject to certain fees during the plan period, such as annual membership or maintenance fees and a transaction fee every time you draw on the credit line. You could find yourself paying hundreds of dollars to establish the plan. If you were to draw only a small amount against your credit line, those initial charges would substantially increase the cost of the funds borrowed. On the other hand, because the lenders risk is lower than for other forms of credit, as your home serves as collateral, annual percentage rates for home equity lines are generally lower than rates for other types of credit. The interest you save could offset the costs of establishing and maintaining the line. Moreover, some lenders waive some or all of the closing costs. How will you repay your home equity plan? Before entering into a plan, consider how you will pay back the money you borrow. Some plans set minimum payments that cover a portion of the principal (the amount you borrow) plus accrued interest. But (unlike with the typical installment loan) the portion that goes toward principal may not be enough to repay the principal by the end of the term. Other plans may allow payment of interest alone during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that amount when the plan ends. Regardless of the minimum required payment, you may choose to pay more, and many lenders offer a choice of payment options. Many consumers choose to pay down the principal regularly as they do with other loans. For example, if you use your line to buy a boat, you may want to pay it off as you would a typical boat loan. Whatever your payment arrangements during the life of the planwhether you pay some, a little, or none of the principal amount of the loanwhen the plan ends you may have to pay the entire balance owed, all at once. You must be prepared to make this balloon payment by refinancing it with the lender, by obtaining a loan from another lender, or by some other means. If you are unable to make the balloon payment, you could lose your home. If your plan has a variable interest rate, your monthly payments may change. Assume, for example, that you borrow $10,000 under a plan that calls for interest-only payments. At a 10 percent interest rate, your monthly payments would be $83. If the rate rises over time to 15 percent, your monthly payments will increase to $125. Similarly, if you are making payments that cover interest plus some portion of the principal, your monthly payments may increase, unless your agreement calls for keeping payments the same throughout the plan period. If you sell your home, you will probably be required to pay off your home equity line in full immediately. If you are likely to sell your home in the near future, consider whether it makes sense to pay the up-front costs of setting up a line of credit. Also keep in mind that renting your home may be prohibited under the terms of your agreement. Lines of credit vs. traditional second morgage loans If you are thinking about a home equity line of credit, you might also want to consider a traditional second mortgage loan. A second mortgage provides you with a fixed amount of money repayable over a fixed period. In most cases the payment schedule calls for equal payments that will pay off the entire loan within the loan period. You might consider a second mortgage instead of a home equity line if, for example, you need a set amount for a specific purpose, such as an addition to your home. In deciding which type of loan best suits your needs, consider the costs under the two alternatives. Look at both the APR and other charges. Do not, however, simply compare the APRs, because the APRs on the two types of loans are figured differently: The APR for a traditional second mortgage loan takes into account the interest rate charged plus points and other finance charges. The APR for a home equity line of credit is based on the periodic interest rate alone. It does not include points or other charges. Disclosures from lenders The federal Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. And in general, neither the lender nor anyone else may charge a fee until after you have received this information. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened. If any term (other than a variable-rate feature) changes before the plan is opened, the lender must return all fees if you decide not to enter into the plan because of the change. When you open a home equity line, the transaction puts your home at risk. If the home involved is your principal dwelling, the Truth in Lending Act gives you 3 days from the day the account was opened to cancel the credit line. This right allows you to change your mind for any reason. You simply inform the lender in writing within the 3-day period. The lender must then cancel its security interest in your home and return all feesincluding any application and appraisal feespaid to open the account. The information on this site is adapted from the brochure "What You Should Know about Home Equity Lines of Credit." Single or multiple copies of the brochure are available without charge. Order the brochure by telephone, mail, or fax . Order online . Glossary | Where to go for help | Checklist Home | Consumer information | Publications | Brochures Accessibility | Contact us Last update: March 1, 2004