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Highlands Ranch, Littleton, and Denver Colorado real estatelistings, home buying, selling and relocation information -NUMBER1EXPERT(tm) Highlands Ranch real estate, Littleton real estate, and Denver realestate and homes for sale in Douglas County Colorado - Wayne Herman,REALTOR® - NUMBER1EXPERT™ Pop-Up Window" WIDTH="89" HEIGHT="14" All agents are NOT alike! Find out why! Call me direct at 303-850-1866, or on my cell phone at 720-271-0790. Buyers Want Your Home for as Little as Possible. Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision. Find Out More > View All Offers > "He puts his energy into it 100%" "... a hands-on guy who will make it work for his clients" Mrs. Lee T. Johnson,Aurora Read Quote > View All Quotes > Compare three mortgages at one time. Download TripleCalc now. It's free. Find Out More > Download Now > Wayne Herman is one of The Top Selling Real Estate Experts™ Find Out More > Welcome! This is your ONE-STOP site for information about Denver area Real Estate and Relocation! The Internet and Real Estate have finally come together to help YOU. You may have already been to dozens of Real Estate websites. THIS IS THE LAST ONE YOU'LL EVER NEED TO VISIT! If you're looking for homes for sale in Highlands Ranch or homes for sale in Littleton and other communities in the southern counties of Metro Denver, you're in the right place. Here's why! Information on EVERY HOME LISTED IN THE DENVER METROPOLITAN AREA is now available right here... on WayneHerman.com. Just click on the "Find Homes" button above and go to "Search All Local Listings." The Internet has changed the way Real Estate professionals do business. What used to be "secret" information prior to beginning a transaction is now available to YOU online... if you know where to find it. In the past, information about listings, mortgages, home inspections, sales trends and relocation packages was held tightly by Realtors. No more! Now YOU know where to find all this information and much more. Right here at WayneHerman.com. Fortunately, for you, the Internet will never replace the need for professionals during what has become a more complex Real Estate transaction. A few clicks will not replace knowledge when it comes to the transaction itself. So, what does all this mean to you? It means that a lot of information is available to you before you ever have to call a Real Estate Broker. When you're ready, I'll be here to answer your questions and guide you through your sale or purchase, or both... and far beyond, too. My business philosophy is "relationship" oriented. That means that when I gain your trust as a client, I want your business forever. I describe my job as "helping people make a major decision they must make - when they're ready to make it." Please, sit back and relax! Enjoy WayneHerman.com in the privacy of your home or office. When you have questions, I'm just an email or phone call away. Wayne Herman "A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Colorado Public, Private and Charter Schools : Compare them using these top-rated, comprehensive reports. Schools in Highlands Ranch, Littleton, and Denver Financing Your Home When Interest Rates Rise Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates. One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement. If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories > Q What has been described as the world's most beautiful building? A The white marble Taj Mahal in India was built by the Mogul emperor Shah Jahan (1631-53) to enshrine his favorite wife. See More Real Estate Trivia > Se hablaEspañol FEATURED PROPERTY Lone Tree Executive home! Beautiful Executive Home with Grand Entry in Lone Tree! Location: 7866 Witney Place Price: $739,900 VIEW THIS PROPERTY VIEW ALL PROPERTIES See the Nation's Top Rated: School Reports - Public, Private & Charter > Get My Latest Listings Before Anyone Else! As soon as I list another home for sale, I'll email you. You'll know first. Name: Email: Find Out More > America's Mortgage Working with a Certified Mortgage Lender means you receive the expertise and service of a dedicated professional. Find Out More > View All Affiliates > Get the Latest Real Estate News, Hot Off the Presses! If you are buying or selling a home, you need my eNewsletter. Name: Email: Why Sign Up? > Go To eNewsletter > See Today's News > Wayne Herman RE/MAX Alliance 10375 Park Meadows Drive, Suite 100 Lone Tree, CO 80124 Direct: 303-850-1866 Cell: 720-271-0790 Fax: 303-683-2696 WayneHerman@NUMBER1EXPERT.com Wayne is a Denver native whose family has been involved in Real Estate and Mortgage lending for over 30 years. Wayne first practiced his profession in California where he handled family investments. He then returned home to raise his family and serve the communities he knows best... Denver, Littleton and Highlands Ranch. www.WayneHerman.com is brought to you byWayne Herman NUMBER1EXPERT ™ forHighlands Ranch CO real estate homes, Littleton CO real estate homes, and Denver CO real estate homes in Douglas County Colorado Read My Privacy Guarantee , Terms of Service ,and Free & Without Obligation Pledge Colorado Real Estate Agents - Homes - NUMBER1EXPERT™ Listings Some real estate agents outsell others 10 to 1. NUMBER1EXPERTS average a staggering 73 properties sold per year. How good is YOUR real estate agent? © Best Image Marketing and/or its clients. All rights reserved. All information deemed reliable but not guaranteed. JUMP TO: WELCOME DENVER REAL ESTATE | FIND DENVER HOMES | FOR DENVER BUYERS | FORDENVER SELLERS | LOCAL DENVER AREA INFO | DENVER REAL ESTATE RESOURCES | ABOUTWAYNE HERMAN DOUGLAS COUNTY REAL ESTATE AGENT WELCOME: DEVER HOMES AND REAL ESTATE FOR SALE Welcome: Home page for Denver, Highlands Ranch and Littleton reel estate. ABOUT WAYNEHERMAN: DENVER REAL ESTATE AGENT Who Am I?: Who is Wayne Herman of Highlands Ranch, Littleton, and Denver, Colorado? Testimonials: What Wayne Herman's clients are saying about this top Realtors real estate marketing Quick Response Guarantee: Wayne Herman guarantees a quick response to your email request for more Colorado home buying & property selling information Privacy Guarantee: Wayne Herman guarantees this Highlands Ranch, Littleton, and Denver real estate web site will respect your privacy No Obligation Guarantee: Wayne Herman's real estate help by email is free & without obligation for Highlands Ranch, Littleton, and Denver home owners in Colorado For Realtors: Let Wayne Herman help you with your professional real estate broker and agent needs in the Highlands Ranch, Littleton, and Denver area About NUMBER1EXPERTS: NUMBER1EXPERTS are top real estate professionals, find out more Contact Information: How to contact Wayne Herman, Highlands Ranch, Littleton, and Denver real estate agent FIND HIGHLANDS RANCH, LITTLETON, ANDDENVER HOMES: Feature Denver Homes: Homes, properties, & other real estate in Highlands Ranch, Littleton, and Denver and Colorado with virtual tours, photos, and more Search All Local Denver Listings: Homes, properties, & other real estate in Highlands Ranch, Littleton, and Denver and Colorado with virtual tours, photos, and more National Listings Databases: Homes for sale in national American USA web site listings databases of properties Denver New Construction: New homes for sale, new construction and newly built properties and real estate subdivisions Unique & Luxury Homes: Home buyers, find luxury homes, real estate, beach front properties, mansions, & acreage/land for sale on these top national & international listings web sites International Properties: Find international homes for sale on these international/global real estate web sites from Canada, Europe, France, Germany, UK, Great Britain, Spain, Italy, Asia, Africa, and beyond Search ALL the Experts' Homes: Search the best local homes for sale from all the real estate experts, agents, Realtors, and brokers HIGHLANDS RANCH, LITTLETON, ANDDENVER INFO: About Highlands Ranch, Littleton, and Denver: Moving to Highlands Ranch, Littleton, and Denver, Colorado? Get info here... Relocating?: Free real estate information & relocation package if you're relocating to Highlands Ranch, Littleton, and Denver, CO School Information: Highlands Ranch, Littleton, and Denver schools and the education system in Colorado: kindergarten, elementary, high schools, colleges & universities Local Maps & Links: Highlands Ranch, Littleton, and Denver maps & local/Colorado web site links for news & media, TV stations, radio stations, daily Highlands Ranch, Littleton, and Denver newspapers, transportation, airports & bus terminals, Colorado & local government, and more Local Weather: Weather in Highlands Ranch, Littleton, and Denver, Colorado: spring, summer, winter, and fall climate changes Highlands Ranch, Littleton, and Denver Photo Gallery: Tour Colorado in pictures DENVER REAL ESTATERESOURCES: Special Offers: Special offers for Highlands Ranch, Littleton, and Denver homeowners from Wayne Herman, top Realtor Affiliates: Wayne Herman's real estate web site affiliates eNewsletter: Wayne Herman's Highlands Ranch, Littleton, and Denver newsletter email will send you the latest real estate information Today's Denver Real Estate News: Daily real estate news for this neighborhood, Colorado, and United States Denver Market Conditions Report: Market conditions report for this area, Colorado, and United States Monthly Payments & Schedule: Monthly loan payments java mortgage calculator How Much Can You Afford?: Calculate how much home you can afford with this financial calculator Determine Tax Savings: Calculate how much your monthly Highlands Ranch, Littleton, and Denver Colorado mortgage payments save you on your taxes because of loan interest Should You Rent or Buy a Denver home?: Is it better to rent a home in Colorado or buy your own Highlands Ranch, Littleton, and Denver house, ranch, luxury property, condominium, acreage, or other real estate? Denver Adjustable Rate Mortgages: Adjustable rate Highlands Ranch, Littleton, and Denver mortgages information and interest rate java calculator What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. 15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. What's Your Maximum Mortgage?: This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. Will Buying Points Save You Money?: This calculator helps you determine if you should pay for points, or use the money to increase your down payment. Experts: Real estate, homes for sale, and other properties: links in Colorado, United States and Canada TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Colorado real estate Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more Direct Links: Direct real estate links to web sites mentioned in this Highlands Ranch, Littleton, and Denver, Colorado site Ask Anything: Ask Wayne Herman anything real estate NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale Real Estate Tips: Wayne Herman's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers Real Estate Trivia: Wayne Herman's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Highlands Ranch, Littleton, and Denver property in Colorado, including legal terms definitions, and more FOR DENVER HOMEBUYERS: Why Buyers Choose Me: Why homebuyers in the Highlands Ranch, Littleton, and Denver area choose Wayne Herman as their Realtor Latest Denver Listings: Get Wayne Herman's latest Highlands Ranch, Littleton, and Denver listings of homes for sale first! Find Your Perfect Denver Home: Wayne Herman will search for your ideal home and email you the newest Highlands Ranch, Littleton, and Denver MLS listings of properties First Time Denver Homebuyers: Are you a first time homebuyer in Highlands Ranch, Littleton, and Denver, CO? As a top Realtor, Wayne Herman can guide your home buying search Denver Mortgage Prequalification: Pre-qualify for a mortgage or loan for your Highlands Ranch, Littleton, and Denver house or other real estate or property FOR DENVER HOMESELLERS: Why Sellers Choose Wayne Herman: Why home sellers in Highlands Ranch, Littleton, and Denver choose Wayne Herman Free Presentation: Free in-home listings presentation on marketing your Highlands Ranch, Littleton, and Denver, Colorado property Denver Property Valuation: How much is your Highlands Ranch, Littleton, and Denver home worth? What Did That Denver Home Sell For?: What did that Highlands Ranch, Littleton, and Denver, Colorado property or other real estate sell for? Denver real estate FSBO: Selling your Highlands Ranch, Littleton, and Denver real estate on your own? Return to Top >

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ICICI Bank Online Login | Home Deposits Loans Cards Investments Demat NRI Services Private Banking Go to --> Web enable A/cs Anywhere Banking -- Internet Banking -- Phone Banking -- Mobile Banking -- ATM -- Bank Branch Deposits -- Savings A/c -- Special Savings A/c -- Senior Citizen Services -- Fixed Deposit -- Easy FD -- Value Added Savings A/c -- -- Recurring Deposits -- Private Banking -- Roaming Current A/c -- Young Stars -- Bank@Campus -- Salary A/c -- Womens A/c -- EEFC A/c -- RFCD A/c -- Privilege Banking -- No Frills A/c Cards -- Credit Cards -- Debit cum ATM Card -- Travel Cards Demat Loans -- Home -- Personal -- Commercial Vehicle -- Car -- Two-Wheeler -- Consumer Durable -- -- Loans against Securities -- Farm Equipment -- Construction Equipment -- Personal Computer -- -- Office Equipment -- Medical Equipment Investments -- ICICI Bank Bonds -- GOI Bonds -- Mutual Funds -- IPO -- ICICI Bank Pure Gold -- Foreign Ex. Services -- SCSS, 2004 Insurance -- Life Insurance -- General Insurance -- Tax Saver -- Health Insurance -- Home Insurance -- Motor Insurance -- Travel Insurance NRI Services Online Services -- Bill Payment -- Shopping -- Ticket Booking -- Card-2-Card FT -- Prepaid Mobile Recharge -- Share Trading -- Charity Customer Service Send a Query Eligibility Loan Amount Sanctioning Disbursement Rates and Fees How to Repay Application Process Apply Online Wish to contact us ? NRIs click here Tools you can use FAQs Select a Product Personal Car Two Wheeler Commercial Vehicle Loan against Securities Farm Equipment Construction Equipment Office Equipment Medical Equipment Internet Banking Login Retail Users Corporate Users Money2India Young Stars New User - Register Now Internet Banking Demo Online Security Channels Branches Internet Banking Mobile Banking ATM Phone Banking Home Loans Attractive interest rates Door-step service from enquiry stage till final disbursement Can transfer your existing high-interest rate loan Free personal accidental insurance Special 100% funding for select properties Taking a loan Tax benefits of a Home Loan Reasons why you must consider an ICICI Bank Home Loan Buying a home Things to note before you buy a home Grasping the area concept When the home is yours Scouting for an interior designer

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DOL - Real Estate Brokers License Real Estate Brokers License Requirements of Licensure: 18 years of age or older. High school diploma or equivalent. Minimum of two years of full-time experience as asalesperson in Washington or in another jurisdiction having comparablerequirements. 120 clock hours of instruction in real estate including: --30 clock hours real estate law, --30 clock hours brokerage management, --30 clock hours business management, and a --30 clock hour approved elective course. Successful passage of examination. Application for license. Please note: The experience and clock hours must be completed within five years prior to application for examination. Fees: Examination Fee ------ $138.25 Original License Fee - $210.00 Renewal Fee (2 yr.) ----$210.00 Continuing Education Requirement: 30 clock hours for renewal every two years including the core curriculum. A list of approved real estate courses are available in the real estate course catalog Forms: You can download the forms listed below to your own desktop or work-station. Application for Real EstateSalesperson/Associate Broker/Branch Manager Application for Real EstateIndividual Broker License (Sole Proprietorship) Application for Limited LiabilityCompany or Limited Liability Partnership Application for Real EstatePartnership License Application for Real EstateCorporation License Application for Real EstateBranch Office Licensure Application for Broker AddressChange/Branch Office Address Change BrokerClosing Office Affidavit WaiverProcedures for Broker Examination Applicants Using AlternateExperience/Qualifications Real Estate Examination, Licensing and Renewal Section: Business Location: Department of Licensing Real Estate Licensing Section 2000 4th Avenue West Olympia, WA Mailing Address: Department of Licensing Real Estate Licensing Section PO Box 9015 Olympia, WA 98507-9015 Telephone Number: (360) 664-6500 or (360) 664-6488 Fax Number: (360) 586-0998 Office Hours: 8 A.M. to 5 P.M. Pacific time, Monday through Friday. Return to Real Estate front page. Real Estate MainPage Washington Real EstateCommission ProfessionalLicensing Internet Query Fees FAQs Salespersons License Appraisers MainPage Washington Real EstateLicensing Law: RCW18.85 Real Estate Brokerage Relationships: RCW18.86 WAC308-124 General Provisions WAC308-124A Licensing & Exams WAC308-124B Brokers Office WAC308-124C Records WAC308-124D Operational Procedures WAC308-124E Trust Accounts WAC308-124H Education Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 586-0998 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

NEW HOMES BUSINESS IMPROVEMENT

News Room : ENERGY STAR What is ENERGY STAR? | Newsroom Search History Partners News Archive Awards Media Resources PRODUCTS HOME IMPROVEMENT NEW HOMES BUSINESS IMPROVEMENT PARTNER RESOURCES -- Home > News Room -- -- News Room ENERGY STAR in the News What's New: Program Highlights Half of the States Join ENERGY STAR Challenge (December 2005) Half of the states across the nation are joining with the EPA to address critical energy issues in our communities in conjunction with EPA's ENERGY STAR Challenge. Through the ENERGY STAR Challenge, state governments will offer a variety of programs to help building owners assess how much energy their buildings use now, establish efficiency improvement goals of 10 percent or greater portfolio-wide, and make efficiency improvements wherever cost effective. EPA Press Release List of Participating States (87KB) More Information Businesses: Save on Energy Bills this Winter (November 2005) American businesses are experiencing higher than ever energy prices, which are expected to continue this winter. EPA has advice almost any business can take to save 10% or more on their energy bills this winter. The advice shares lessons learned from EPA's ENERGY STAR partners who have saved through simple steps and adopted longer term energy management strategies with even greater savings. If every business in the US saved 10% on their energy bills, Americans would save about $10 billion and reduce greenhouse gas emissions equivalent to those from 15 million vehicles. EPA Press Release Advice for Saving Energy EPA Recognizes 18 Leading Organizations for Efforts to Cut Energy Bills (October 2005) On October 26, EPA Administrator Stephen Johnson recognized 18 organizations as ENERGY STAR Leaders for achieving significant energy savings and leading their industries in responding to EPA's ENERGY STAR Building Challenge. The ENERGY STAR Commercial Building Challenge, launched in Spring 2005, encourages building owners and managers to make their buildings at least 10% more efficient. EPA Press Release Fact Sheet (66KB) Leader Profiles (36KB) More Information on the ENERGY STAR Challenge Save Energy this Winter with help from ENERGY STAR (October 2005) In the face of higher energy bills this winter, the EPA encourages everyone to take action in their home to be more energy efficient. The average American household spends $1,500 annually on energy bills — a number that may go up as much as 50 percent this year. EPA offers five places to look and practical advice for home energy savings. EPA Press Release Home Energy Quiz (240KB) More Information K-12 Schools take the ENERGY STAR Challenge (October 2005) Ten leading associations representing state school boards, superintendents, principals, facility planners, parents, and teachers are joining with the EPA to address critical energy issues in our nation's K-12 schools. Currently, the nation's more than 17,000 K-12 schools spend $5 billion on energy bills each year. However, school districts can save up to 30 percent on their energy bills through cost-effective energy efficiency improvements. Through the ENERGY STAR Challenge, school decision-makers assess how much energy school districts use now, establish efficiency improvement goals of 10 percent or greater district-wide, and make efficiency improvements wherever cost effective. EPA Press Release Fact Sheet (82KB) Participants List (62KB) More Information EPA and DOE Announce ENERGY STAR Change a Light Day (October 2005) EPA and DOE, together with more than half of US Governors, declared October 5th ENERGY STAR Change a Light Day, and encouraged every American to change a light in their home to one that is more energy efficient. Lighting accounts for 20 percent of a home's electricity costs. ENERGY STAR qualified bulbs reduce household energy bills because they use one-third the energy of traditional lighting and last up to 10 times longer. This small step can make a big difference for our nation's energy resources and environment. EPA Press Release Campaign Fast Facts (98KB) Governors Declaring ENERGY STAR Change a Light Day (307KB) 250+ Participating Organizations (628KB) Take the Pledge EPA Raises the Bar for New Homes to Earn ENERGY STAR Label (September 2005) Builders of new homes in the United States will have to significantly increase the energy efficiency of their homes to meet the new ENERGY STAR requirements which take effect July 1, 2006. To qualify under the revised ENERGY STAR specifications, new homes must have higher levels of insulation inspected for proper installation; complete framing and air barrier assemblies that enable insulation to perform at its full rated value; windows that meet or exceed ENERGY STAR requirements; high-efficiency and properly sized heating and cooling equipment appropriate to the climate; and more energy-efficient water heating, lighting and appliances. EPA Press Release More information ENERGY STAR Annual Report Released (September 2005) EPA recently released its annual report summarizing the success of ENERGY STAR and other voluntary climate protection programs. The report summarizes the accomplishments of these programs for 2004. For example, Americans, with the help of the ENERGY STAR, avoided greenhouse gas emissions equivalent to those from 20 million automobiles – up from 18 million in 2003 – while saving $10 billion on their energy bills. EPA Press Release 2004 Annual Report (1.27MB) New Partnerships for Home Energy Efficiency Announced (July 2005) On July 11 the EPA, DOE and HUD announced a new multi-agency effort, the Partnerships for Home Energy Efficiency, to bring greater energy efficiency to the U.S. housing market to save 10 percent or more on home energy bills over the next decade. A 10 percent savings would total almost $20 billion a year, help increase the affordability and comfort of homes, reduce demand for natural gas by more than 1 quad, avoid the need for 40 power plants and avoid the greenhouse gas emissions equivalent to those from more than 25 million vehicles. Home Performance with ENERGY STAR plays a large role in delivering these savings to consumers. EPA/HUD/DOE Press Release Report: Partnerships for Home Energy Efficiency (3.00MB) Overview Fact Sheet: Partnerships for Home Energy Efficiency (247KB) Home Performance with ENERGY STAR (141KB) ENERGY STAR Products for American Homes (186KB) Quality Installation for Air Conditioning Equipment (109KB) Case Studies: Home Performance with ENERGY STAR Aurora, CO (137KB) Austin, TX (131KB) Fresno, CA (214KB) Ithaca, NY (216KB) Manlius, NY (88KB) St. Louis, MO (146KB) Suwanee, GA (108KB) EPA Announces Energy Performance Indicator for Auto Assembly Plants (June 2005) The energy efficiency of automobile assembly plants can now be rated on a national basis. EPA has recently made available a tool to help the automobile industry evaluate the energy performance of its assembly plants. This tool, the first of its kind for a manufacturing facility, compares the energy efficiency of any assembly plant producing passenger cars, light duty trucks, sport utility vehicles, and vans in the U.S. to that of the entire industry. EPA Press Release Auto Assembly Plant Energy Performance Indicator EPA Offers Smart Ways to Stay Cool this Summer (June 2005) Energy use escalates when hot summer days set in across the nation. EPA's ENERGY STAR program is offering advice this summer on how to save money, remain cool and comfortable and help reduce the risks of global warming – all at the same time. Advice includes keeping your air conditioner maintained, using a programmable thermostat, sealing up gaps and cracks in the home envelope, and replacing old equipment with products that have earned the government's ENERGY STAR for energy efficiency. EPA Press Release EPA's Guide to Energy Efficient Heating and Cooling (663KB) Cool Your World Fast Facts (English) (150KB) Cool Your World Simple Steps (English) (44KB) Cool Your World Fast Facts (Spanish) (68KB) Cool Your World Simple Steps (Spanish) (49KB) New Water and Wastewater Industry Focus Announced (May 2005) EPA is launching a new initiative to increase the energy efficiency of U.S. drinking water and wastewater systems, with participation from more than 20 leading organizations. The new ENERGY STAR Water and Wastewater Industry Focus will work over the next year to develop an energy performance rating system, a guide to assessing energy efficiency opportunities, strategies for superior energy management, and innovative approaches to financing energy efficiency projects for each of the two industries. This new ENERGY STAR focus is part of a series of efforts to improve the energy efficiency of selected industries. EPA Press Release Fact Sheet (55KB) EPA announces ENERGY STAR Building Challenge (March 2005) EPA joined with more than 20 leading associations, States, and businesses to announce a national challenge for the owners of commercial and institutional buildings across the country. The ENERGY STAR Challenge encourages building owners to improve the efficiency of their buildings by 10 percent or more and to capitalize on the environmental benefits and cost savings that will result. EPA Press Release List of organizations partnering with EPA More information 2005 ENERGY STAR Awards (March 2005) EPA and DOE are recognizing 50 organizations as winners of the 2005 ENERGY STAR Partner of the Year Awards. These organizations have made outstanding contributions to reducing greenhouse gas emissions through energy efficiency. EPA and DOE sponsor these awards annually to recognize energy efficiency investments made by ENERGY STAR partners that saved consumers money while helping the environment. The Partners of the Year are selected from the over 7,000 ENERGY STAR partners based on their efforts to utilize energy-efficient technologies, communicate the benefits of energy savings to consumers and businesses, and encourage others to partner with ENERGY STAR. This year's award winners include Lowes Companies Inc., Food Lion, Pardee Homes, USAA Real Estate and 3M. EPA Press Release List of 50 award winners (15KB) More on Awards EPA's Public Service Announcement (PSA): 2005 ENERGY STAR Awards (2.84MB) International Power Supply Design Competition Winners Announced at Applied Power Electronics Conference and Exposition (APEC), Austin, TX, March 6-10, 2005 (March 2005) On March 7, 2005 at APEC's plenary session, the U.S. Environmental Protection Agency (EPA) and the California Energy Commission announced the winners of Efficiency Challenge 2004, an international design competition for power supply efficiency. Twelve winners were selected, including two Grand Champions: Power Integrations in the Market Ready Category and Hong Kong Polytechnic University in the Open Category. All the winning entries are more energy efficient, and in many cases radically smaller than typical power supplies on the market today, demonstrating what is possible in future consumer electronics products. Efficiency Challenge APEC Presentation (62KB) Andrew Fanara, EPA, Andy Williams, ON Semiconductor, and Peter Schwartz, representing the California Energy Commission Andrew Fanara, EPA, Balu Balakrishnan, Power Integrations, and Peter Schwartz, representing the California Energy Commission Andrew Fanara, EPA, Speaking at APEC 2005 Product Picture, Power Integrations, Winner of Best in Class A1, Market Ready Grand Champion EPA Efficiency Challenge Press Release (62KB) Judging Criteria Fact Sheet (55KB) Efficiency Challenge 2004 Judge Bios (33KB) Efficiency Challenge Winner Fact Sheets (162KB) ENERGY STAR Qualified Homes Near 10 Percent of Housing Starts Nationwide (March 2005) Nearly 10 percent of all homes built in 2004 earned the ENERGY STAR label. According to a recently released report, A Decade of Change in Home Building with ENERGY STAR (2.36MB), since 1995 over 360,000 of the Nation's new homes have earned the ENERGY STAR, saving homeowners an estimated $200 million and eliminating approximately 4 billion pounds of greenhouse gas emissions. EPA Press Advisory Report: A Decade of Change in Home Building with ENERGY STAR (2.36MB) More information on ENERGY STAR Qualified New Homes Almost 2,000 Buildings Have Earned EPA's ENERGY STAR (January 2005) As of January 1, 2005, almost 2,000 of the nation's most energy efficient buildings, representing almost 400 million square feet, have earned EPA's ENERGY STAR designation for superior energy performance. The buildings qualifying as ENERGY STAR use about 40 percent less energy than average buildings without compromising comfort or services. Press Release List of buildings (2.14MB) More information ENERGY STAR Awareness Climbs to Over 60 Percent (February 2005) Public awareness of ENERGY STAR has jumped to 64 percent of U.S. households, according to a recent nationwide survey. In many major markets where local utilities and other organizations use ENERGY STAR to promote energy efficiency to their customers, public awareness of ENERGY STAR is even higher, averaging 74 percent. EPA Press Advisory (14KB) Survey Report (1.58MB) Energy-Efficient External Power Adapters Can Now Earn the ENERGY STAR (January 2005) On January 6, 2005 EPA announced that the ENERGY STAR is now available for qualifying external power adapters. Power adapters, also known as external power supplies, are used to power many electronic products such as cell phones, PDAs, digital cameras, camcorders, MP3 players, routers and other electronics and appliances. As many as 1.5 billion power adapters are in use in the U.S. – which is about five for every person. The new guidelines for power adapters will help reduce greenhouse gas emissions; in the U.S., more efficient adapters have the potential to save over 5 billion kilowatt hours (kWh) of energy and prevent the release of more than 4 million tons of greenhouse gas emissions the equivalent to taking 800,000 cars off the road. Press Release More on Power Adapters Photos: CES Show , EPS Booth New ENERGY STAR Monitor Specification (January 2005) Beginning January 2005, computer monitors must meet more energy-efficient requirements to qualify for the ENERGY STAR label. For the first time, the specification addresses energy consumption while monitors are in use, as well as while they are idle. Many models on the market already meet EPA's new specifications. By 2010, EPA estimates that the new requirements will result in carbon emission savings of almost 5 million metric tonnes (carbon equivalent), or the equivalent of taking more than 3 million cars off the road. The previous computer monitor requirements called for only a "sleep mode" energy-saving function. Press Release More Information News Archives Press Contact: Maria T. Vargas, (202) 343-9451 Consumer Contact Information: energystar@optimuscorp.com 1-888-STAR-YES Products | Home Improvement | New Homes | Business Improvement | Partner Resources Newsroom | Privacy | Contact Us | Site Index EPA Home EPA Search DOE Home DOE Search

Home Mortgage Points The

Tax Topics - Topic 504 Home Mortgage Points Home | Contact IRS | About IRS | Site Map | Español | Help Advanced Search Search Tips IRS Resources Compliance & Enforcement Contact My Local Office e-file Forms and Publications Frequently Asked Questions News Taxpayer Advocacy Where To File Topic 504 - Home Mortgage Points The term "points" is used to describe certain charges paid to obtain a home mortgage. Points may be deductible as home mortgage interest, if you itemize deductions on Form 1040, Schedule A (PDF). If you can deduct all of the interest on your mortgages, you may be able to deduct all of the points paid on the mortgage. For information on deducting interest, refer to Topic 505 . You can deduct the points in full in the year they are paid, if all the following requirements are met: Your loan is secured by your main home (your main home is the one you live in most of the time). Paying points is an established business practice in your area. The points paid were not more than the amount generally charged in that area. You use the cash method of accounting. This means you report income in the year you receive it and deduct expenses in the year you pay them. The points were not paid for items that usually are separately stated on the settlement sheet such as appraisal fees, inspection fees, title fees, attorney fees, or property taxes. You provided funds at or before closing, that were at least as much as the points charged, not counting points paid by the seller. You cannot have borrowed the funds from your lender or mortgage broker in order to pay the points. You use your loan to buy or build your main home. The points were computed as a percentage of the principal amount of the mortgage, and The amount is clearly shown on your settlement statement. Points that do not meet these requirements may be deductible over the life of the loan. Points paid for refinancing generally can only be deducted over the life of the new mortgage. However, if you use part of the refinanced mortgage proceeds to improve your main home and you meet the first six requirements stated previously, you can fully deduct the part of the points related to the improvement in the year you paid them with your own funds. Points charged for specific services, such as preparation costs for a mortgage note, appraisal fees or notary fees are not interest and cannot be deducted. Points paid by the seller of a home cannot be deducted as interest on the seller's return, they are a selling expense which will reduce the amount of gain realized. Points paid by the seller may be deducted by the buyer provided the buyer subtracts the amount from the basis, or cost, of the residence. Points you pay on loans secured by your second home, can be deducted only over the life of the loan. You may be subject to a limit on some of your itemized deductions, including points, for more information on the adjusted gross income limitations please refer to the Form 1040 Instructions. For more information on points, refer to Publication 936 , Home Mortgage Interest Deduction. More Tax Topic Categories Accessibility | FirstGov.gov | Freedom of Information Act | Important Links | IRS Privacy Policy | U.S. Treasury