REAL ESTATE BROKER/SALESPERSON PAGE
Real Estate Broker/Salesperson Page Department of State Dos Homepage | Corporations | Licensing | Local Government | Fire Prevention & Control | Commissions REAL ESTATE BROKER/SALESPERSON PAGE CLICK HERE TO RENEW YOUR LICENSE ON-LINE Acrobat PDF File Download Information What's New? Effective July 1, 2005 , the Division of Licensing Services replaced the real estate salesperson and broker walk-in examination system with an online reservation examination scheduling system for our Albany, New York City, Franklin Square, Hauppauge and Newburgh exam centers. To schedule an examination or for more information, please click here . IMPORTANT ADVISORY: Section 442 of the Real Property Law previously prohibited a real estate broker from paying any part of a commission to an unlicensed person, firm, corporation or LLC if the payment was intended as compensation for a service that would require a real estate license. Accordingly, the amendment of August 10, 2004 , permits a real estate broker to pay the commission earned by a licensed associate broker or salesperson to an unlicensed corporation or unlicensed LLC , if each of the shareholders of the corporation or each member of the LLC, is an individual who is licensed and properly associated with the real estate broker as a licensed associate broker or salesperson. This amendment does not entitle the associate real estate broker or real estate salesperson to be licensed or to advertise in the name of the corporation or LLC, nor will the records maintained by Department of State, Division of Licensing, reflect the name of the corporation or LLC. A licensee may NOT use the name of the corporation or LLC on business cards. GENERAL INFORMATION POINTS OF INTEREST Real Estate Broker NYS Board of Real Estate Real Estate Sales Approved Real Estate Schools Approved Real Estate Qualifying Schools Approved Real Estate Continuing Education Schools Association of Real Estate License Law Officials (ARELLO) Electronic Marketing - Internet Policy Real Estate Reciprocity A Guide to Professional Conduct New York State Real Estate Board Download PDF File (85KB PDF) (1 page) Cease and Desist Lists and Registrations Real Estate Agency Disclosure Form Download PDF File (183KB PDF) (2 pages) Property Condition Disclosure Statement Download PDF File (142KB PDF) (6 pages) Legal Memoranda Discipline of Real Estate Brokers and Salespersons for Untrustworthy Conduct Licensing Complaint Resolution Process Real Estate Brokers and Salespersons and the Unauthorized Practice of Law Apartment Hunting Double Jeopardy in Administrative Disciplinary Proceedings Defining When a Real Estate Broker's Commission Is Due Be Wary of Dual Agency Frequently Asked Questions: Real Estate Broker and Salesperson Other Sites of Interest: New York State Association of Realtors National Association of Realtors Association of Real Estate License Law Officials Real Estate Board of New York (REBNY) Original Licenses On Line ( Not For Renewals ) If you would like to apply for an original license on line, clicking the link below begins that process. Please be advised that before a license can be issued, follow-up documentation will be requested. For Renewals, use the link at the top of the page. Governor's Office of Regulatory Reform Online Permit Assistance and Licensing (OPAL) About the DOS Return to DOS Home Page DOS Accessibility Statement DOS Privacy Statement
Home Equity Line of
Presidential Bank: Home Equity Line of Credit Information Presidential Loan Products..... Lending Overview Home Mortgage Programs Apply Online for a Home Mortgage Home Equity Line of Credit Car Loans Commercial Lending Home Equity Lines of Credit Home Equity Line of Credit Loan Calculator Line of Credit Amounts: $10,000 to $300,000 Introductory Interest Rate: 1.25% APR for first 4 months To qualify for the introductory rate, your line must be activated within thirty days of settlement, with a draw of at least $10,000 in the first 30 days after the closing date. Interest Rate after Introductory Period: Loans of 30,000 or more: Prime Rate Loans of less than $30,000: Prime Rate +1% As of today, the Prime interest rate is equivalent to a rate of 7.25% APR, and 1.00% over the Prime interest rate is equivalent to a rate of 8.25% APR. The Prime rate use is the prime rate as quoted in the Wall Street Journal. APR is the Annual Percentage Rate, as computed under applicable federal regulations. After the introductory period, the interest rate is subject to monthly adjustment, as the Prime rate changes. However, the APR will never exceed 24%. Closing Costs Waived You pay absolutely nothing to establish your Presidential Home Equity Line. No closing costs -- no application fee -- no appraisal fee -- no points. This can save you hundreds of dollars! This no closing cost feature is subject to the terms and conditions of the Home Equity Line Agreement, which require that the line must remain open for a minimum of 42 months and that the finance charges must be at least $1,000 during the period the line is open. Tax Deductions Unlike credit card interest and other non-mortgage interest you may pay, you can deduct the interest you pay on a home equity line of credit for federal income tax purposes, subject to the requirements of the Internal Revenue Code. Drawing Against Your Line You may draw against your line at any time, simply by writing a check. Free checks are provided. Eligible Property Owner occupied single-family residences. Lending Area Nationwide (state restrictions may apply) Maximum Loan To Value Ratio The combined amounts of your first mortgage and the dollar limit on your Home Equity Line may not exceed 80% of the value of your home. Repayment Monthly payments are required, whenever the Home Equity Line of Credit has a principal balance outstanding. Principal may be prepaid at any time without penalty. The Line has an initial draw period of 15 years (180 months), during which advances may be made, followed by a repayment period of 8 years and 4 months (100 months). During the first 180 months of the term of the Home Equity Line of Credit, principal may be advanced and repaid at any time, subject to the approved maximum loan amount. Whenever a loan balance is outstanding, monthly payments of interest are required. After the end of the first 180 months, no further advances of principal will be made, and the line of credit must be repaid over the succeeding 100 months in monthly installments equal to 1% of the principal outstanding at the beginning of this repayment period, plus accrued interest. Other Terms All applications are subject to credit approval. Adequate property insurance is required. The minimum draw amount is $100. If you fail to qualify for the waiver of closing costs, you will be charged for your credit report, property appraisal, mortgage recording fees and other out-of-pocket costs of closing your loan; these costs generally total between $250 and $1,550. We will provide an itemization of the closing costs of your loan upon request. For additional information, see the Presidential Home Equity Line of Credit disclosure statement and the Home Equity Line Agreement. For additional information about Home Equity Lines of Credit: Read about it at The Federal Reserve Board . For Home Equity Line inquiries call: (800) 281-2771, or apply online . Presidential Bank's Privacy Notice . Deposit Products | Loan Products | Investments | Online Banking | About Presidential | News | Home email@presidential.com © 1995, 1999, 2002 - 2005 Presidential Bank, FSB last updated 12.14.05 lmm Member FDIC
Texas Land Records Cities
Austin Texas Land Records for Genealogy and Historical Research You are here: About > Cities & Towns > Austin, TX > History & Research > Genealogy > Texas Land Records Cities & Towns Austin, TX Essentials Things to Do When You Visit Austin How Austin Ranks Among US Cities Moving to Austin & Settling In Winter Weather in Austin 2005 Trail of Lights Articles & Resources Neighborhoods & Cities Entertainment & Live Music Arts & Literature Food & Drink Shopping Travel & Tourism Hotels, B&Bs, Resorts Weather & Environment Jobs & Business Lifestyle & Hobbies House & Home Schools Sports & Recreation History & Research Government & Politics Buyer's Guide Austin Texas Magazines Austin Cookbooks, Recipe Collections UT Merchandise Austin and Texas Board Games Lance Armstrong Books Forums Help FREE Newsletter Sign Up Now for the Austin, TX newsletter! See Online Courses Search Austin, TX > History & Research > Genealogy > Texas Land Records Texas Land Records Browse Austin area land records including maps, atlases, land grants, and historical records for genealogical or historical research purposes. Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Historical Maps The Texas General Land Office has a collection of maps dating from the 1820s. A few selected county maps are online. Spanish and Mexican Lands How to find original Spanish and Mexican Land titles in Texas from the Texas General Land Office. Texas Historic Sites Atlas Locate historical markers and other significant locations. Texas Land Grants How the land grant processed worked after 1836. Texas Land Grants The Texas General Land Office breaks down the different types of land grants and when they were issued. TXGenWeb Project Among the projects you'll find an index to Cities & Towns in Texas, and Landmarks and Vanished Communities. USGenWeb Special Projects Archives The Texas files are organized by county and the material varies. In general you'll primarily find selected vital, cemetary, and military records, and census information. However, there are land records scattered throughout from some counties. Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About New Video iPod - Review POLL: Must-Have Gadgets VIDEO: Portable Gaming VIDEO: Choosing a TV Hugh Hefner's Life What's Hot Wedding Locations Town Lake Austin | Fact and Photo Tour of the Town Lake Area... Outdoor Wedding Venues Zilker Park Train | Austin Texas | Zilker Zephyr Miniature T... Historic Wedding Locales Headlines Christmas Tree Recycling With Christmas and New Year's falling on weekends, regular trash... Cedar Fever Season 'Tis the season for sniffles and sneezes. Austin is considered... Concerned About Flash Floods in Austin "Please tell me what you know of the flash flood... Filing a Homeowners Insurance Claim Despite nicer, warmer weather this past weekend, we know that...
Property Search
Washington County -- Maps and Land Records Washington County, Oregon Maps & Land Records InterMap allows you to view detailed maps of Washington County. You can view current city boundaries, school district boundaries, plan designations and many other map features. You can zoom in to view areas more closely, turn Map layers on and off, and even print your final custom map. InterMap also allows you to determine which service districts individual properties are located within and to research property values and County land use permits. In addition, you can download the County's detailed tax maps. InterMap Help Utility . You can find out about InterMaps features simply by placing the cursor over selected areas on your screen. Pop up messages will provide helpful assistance on how best to operate various InterMap features. -- Brief Disclaimer Complete Disclaimer iSpirits is a research tool featuring survey records from the County Surveyor's Office. Available Items include: Records of Survey, Subdivision Plats, Partition Plats, Condominium Plats, Geodetic Control Point Sheets, Public Land Corner Records and Taxmaps iSpirits allows searches for many records by surveyor name, township, range and section, by selecting an area on a map, or by locating the taxlot of your site and asking iSpirits to retrieve images within one half mile. Other functions of iSpirits include printing a general location map of your search area, downloading images and search results and, if you have a large format plotter or printer, printing images at original scale. County Maps Downloadable map of Washington County (PDF) (3.5 MB) Click to download a large scale map showing cities, highways, major streets, water bodies, and general land features within Washington County. This map is saved as a .pdf and can be viewed using Acrobat Reader Download a free copy of AcrobatReader Location of Washington County within the state of Oregon Washington County is 727 square miles and includes a portion of the City of Portland and eleven incorporated cities including Hillsboro, Beaverton, Tigard and Tualatin. Focused residential and industrial growth has enabled the County to preserve more than 75% of its agricultural and forest lands. Location of Washington County within the Portland metropolitan area Located on the western edge of the City of Portland, Washington County is the second largest and fastest growing urban county in Oregon, with approximately 385,000 citizens. Cities within Washington County Shaded relief map of Washington County and overlay of major roads and urban growth Boundary Map of downtown Hillsboro, Oregon Map of the Washington County government campus Single-family development patterns within Washington County from 1800 to 1995 Single-family development patterns within Washington County from 1990 to 1998 2000 - 2005 Washington County. All rights reserved. Links to external sitesdo not constitute endorsements by Washington County. By visiting this and otherWashington County web pages, you expressly agree to be bound by the terms andconditions of the site. For questions regarding information privacy, liability,accessibility, and public records policies, please review the statementsdocument .
Land Loan LoanUniverse Community
LoanUniverse Community > Commercial Land Loan Help - Search - Member List - Calendar Full Version: Commercial Land Loan LoanUniverse Community > Community Forums > Loanuniverse Forums Marnie1065 Dec 6 2005, 08:37 PM Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks loanuniverse Dec 7 2005, 09:27 AM Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. lelting Dec 14 2005, 10:48 PM I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV LenderBuddy Dec 15 2005, 10:55 AM If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. This is a "lo-fi" version of our main content. To view the full version with more information, formatting and images, please click here . Invision Power Board © 2001-2005 Invision Power Services, Inc.