Denver Real Estate

Real Estate Resources around the world Real Estate Resources around the world Find Real Estate in other areas: Alabama Alaska Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Masschusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming International Links Real Estate and Relocation Resources Looking to relocate to a new area? Do you want or need a second home for vacation, investment or the college student? Use these links to browse real estate resources in other parts of the world. Denver Uncommon Photography Denver Metro-Links.com Real Estate Real Estate Marketing Tools , Plans, and Ideas for aspiring real estate professionals. Real Estate Agent Network Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

Home Mortgage

Home Loan and VA Home Loans from Mortgage Research Center Contact | Mortgage Rates | Mortgage Calculators Mortgages Refinancing Debt Consolidation Mortgage Resources Loans FHA Loan VA Loan What Type Of Loan Are You Looking For? Please Select.... VA Home Loan Home Loan VA Home Refinance Home Refinance FHA Home Loan What Is The Approximate Value Of Your Property? Home Loan and VA Loan Information Are you looking to get prequalified for a home loan? Nearly all Americans dream of owning their own home. Once you have decided to buy a home, it is important to analyze all of your loan options. One of our mortgage specialists can explain all of your options, and help you determine which loan is the best in helping you meet your financial goals. They can explain the FHA loan, the VA Loan , and also look at conventional loans. Our mortgage specialists pride themselves not only on being the most knowledgeable in the business, but also in gaining access to the best loan rates in the country. You may call 800-930-9201 to speak with a mortgage specialist. Get a free prequalification for a home purchase Apply for a refinance or debt consolidation Get Advice from a Mortgage Specialist VA Home Loan Information There are millions of Americans that qualify for a VA Home loan. However, many people are not aware that they qualify for these Veteran Benefits. If you have been on active duty for at least 90 days, then you may qualify. Get more information on VA Loans or call 800-930-9201 . Loans Your Home Loan (mortgage) will be the biggest purchase you make in your lifetime. So make sure you do your research and find the best loan rates to help you get the best return on your investment. Another great option is a VA Refinance when you are considering refinancing your home! VA Loans will not only be able to help save you money, but they will also make it easier for you to qualify for a loan. You may contact a mortgage broker for help with this. They are generally set up with hundreds of lenders and can quickly find you the best VA Mortgage Rates . Get additional information for free: Click Here to get Prequalified for a Home Purchase Click Here to apply for a refinance or debt consolidation Click Here to get advice from a Mortgage Specialist Do you need FHA Loan information or would you like to find out about the new VA Adjustable Rate Mortgage ? Getting information regarding these loans could be a great step to helping you own a home, which will help your financial security. The Dept of Veterans Affairs has recently raised the VA Loan limit. Speak to a VA specialist to get more information and find out if the new VA loan limits can help you or you may visit the va.gov site. You may call 800-930-9201 to get additional advice about what factors you should consider when deciding whether or not to apply for a VA Home Loan. If you have questions or would like help with your mortgage, you can call us at 800-930-9201 . "Nathan, I wanted you to know that everything went very well at our closing. It was quite pleasant. Thank you for everything." -Vicki Ficklen Mcdonough, GA More Testimonials Equal Opportunity Lender License Information We can help you find the lender (mortgage bank) that can get you the best deal for your financial situation (including setting you up with the best financing rates and loan term). MRC does not originate loans in MA, NJ, NY, ND, PA, VT, NV, WV, or DC. If you are getting a mortgage in one of these states, we will help you by directing your information to a lender in your state. Get additional information about a VA Loan , Home Loan , or 1031 Exchange : Privacy Policy .

Investment Property

Investment Property Databank IPD Home About IPD Portfolio Analysis Services Events Indices and Market Information Indices for Derivatives Online Services -- Home Company Overview Directors IPD Measurement Methods Locations Sponsors IPD Links IPD Awards FAQs Press Releases Contact Us Jobs at IPD IPD Frequently Asked Questions Q: Who is IPD? Q: What countries do you cover? Q: What is the company structure? Q: What does IPD do? Q: What services does IPD offer? Q: What is OPD? Q: Who are the IPD's main clients? Q: How do the clients use IPD information? Q: What do you gain from using IPD? Q: How do I join IPD? Q: What type of information is required to join IPD? Q: How do you start a new country service? Q: Who is IPD? A: IPD is an independent research company, who employs over 100 graduates to provide investors, occupiers, advisors and researchers with objective, reliable property benchmarks and indices. back Q: What countries do you cover? A: We cover a growing range of countries. At present we have databanks in the UK, Australia, Canada, Denmark, France, Germany, Ireland, Italy, Japan, Netherlands, Norway, Portugal, South Africa, Spain, Sweden and USA. back Q: What is the company structure? A: IPD’s Head Office is based in London, UK with subsidiaries in Paris, France (IPD France) , Johannesburg, South Africa (IPD South Africa) and Sweden (IPD Norden). In other countries we work with local partners who are established within their particular country to provide a regional contact in the national language. back Q: What does IPD do? A: IPD produces high quality reports and results which are used around the world by investors, occupiers, advisors, lenders, analysts and researchers. These consist of : • Portfolio analysis on commercial property investment funds. This gives fund managers and investors fair benchmarks for total returns, plus a full evaluation of investment strategy and portfolio quality. • Indices and market information to give the definitive statement for property returns in each country and each city. This provides a consistent basis for comparison with other assets, and for research that informs investment decisions from international portfolio allocation down to individual building selection. Annual indices are free and can be downloaded from this site. Other publications are various prices and come in the from of an annual subscription. Please email marketing@ipdglobal.com" marketing@ipdglobal.com for more information or call +44 (0)20 7643 9246. back Q: What services does IPD offer? A: • Portfolio analysis (PAS) & benchmarking • Market information and publications • D-PAS – (Desktop-PAS). Available for PAS clients this software can be used to analyse the performance and characteristics of the portfolios and benchmarks from your own PC, with exclusive access to figures not available in the report. • IPD Online - Available for PAS clients, this is a secure delivery mechanism giving secure access to report publications. • Research - Publications and custom data. • TICCS - Tenants, Income, Credit Rating & Covenant Strength - adds business information to Dun & Bradstreet on each tenant, to give investors unique benchmarks of portfolio income quality and the covenant strength of individual tenants. • Management Cost Survey - the only source of comprehensive benchmarks for overall costs of portfolio management, the eficiency of in-house management teams and charging rates of external providers. • Remuneration Service – This offers independent design advice to instruct lawyers, help with selection of appropriate benchmarks and targets, ability to model historic or potential out-turn of proposed schemes and authoritative advice on all technical aspects of performance measurement. • IPD Events - These include conferences , training and briefings. back Q: What is OPD? A: IPD Occupiers Property Databank is the market leader in its field of performance measurement for occupiers, with clients from a long list of FTSE 100 and multinational companies. The Databank contains a building-by-building record of complete estates showing total occupational costs, building utilisation, facilities and estate management overheads to give owners a thorough profile and comparative management tool. OPD also runs a Facilities Management benchmarking group, a Workplace Productivity Appraisal and publishes the International Total Occupancy Cost Code. To see OPD's website go to www.opd.co.uk. back Q: Who are IPD's main clients? A: IPD’s clients are mainly Pension and Life Fund companies. IPD has over 300 UK clients, internationally over 200 clients. OPD has approximately 60 clients. back Q: How do the clients use IPD information? A: Property owners need an industry standard yardstick against which they can compare the returns they achieve on their investments and evaluate their performance. The IPD annual database is the most reliable benchmark of direct property performance in the UK. It comprises 11,000 properties (with a total value of over €170bn at December 2004), equivalent to 45% of the total property assets of UK Institutions and listed property companies. back Q: What do you gain from using IPD? A: • An independent audit of investment returns, calculated on an industry standard basis • A benchmarking service which gives owners an objective measure of their performance against relevant yardsticks • Systematic analysis of the sources of above- or below-average performance • A powerful internal management tool to help to set agendas, monitor progress against targets, and to guide strategy, stock selection and active management decisions • Results in electronic form to permit further internal analysis. back Q: How do I join IPD? A: Please contact claire.herd@ipdindex.co.uk or call +44 (0)20 7643 9217 to join or for more information. back Q: What type of information is required to join IPD? A: To participate in the Portfolio Analysis Service you will need to provide: • A series of annual Open Market capital values, carried out to standard RICS Red Book specification, property level rent passing and open market rental value. • A schedule of tenant leases as at the most recent valuation date, including tenant level rent passing and market rental value. • Annual capital expenditure amounts, preferably timed to the month or quarter. • Completion dates of transactions, with gross and net purchase and sale prices. • Property management costs. • Other non-recoverable revenue expenditure (vacant rates, non-recoverable maintenance costs, bad debts etc). back Q: How do you start a new country service? A:IPD systems can be established in any country where property investors are committed to understanding the financial performance of their holdings. This commitment can then ensure that the essential building blocks of the IPD databank are in place: • Valuations: In the property market where transactions are few, appraisals of market value are needed to form the capital basis of the return calculation. If necessary, IPD will work with local bodies to develop valuation standards to performance measurement. • Participation: IPD databases require a critical mass to build adequate samples of properties to cover complex national markets. Typically investors holding at least 20% of the investment market are required to form the core of the new system. • Definitions: Nationally accepted and appropriate data definitions must be agreed to ensure the compatibility between investors while maintaining the application of international principals. How will the system be established? • Promotion: IPD will work within the market, most likely in collaboration with a local partner, to identify and secure the critical mass of participating investor organisations. • Development: The databank will be constructed by IPD in collaboration with participating investors to ensure that market characteristics are reflected and their reporting needs are met. • Data Testing: IPD will analyse the data initially submitted to ensure its quality is sufficient to support the benchmarks and market indices. Improvements will be proposed and verified before full products and services are available. 1 St. John's Lane London EC1M 4BL Tel: +44 (0)20 7336 9200 Fax: +44 (0)20 7336 9399 Privacy Policy | © 2005 IPD Ltd. All Rights Reserved. Home | About IPD | Portfolio Analysis Service | Events | Indices and Market Information | Indices for Derivatives | OPD Designed by Webrepro

rental property and share

SEQRents - Rental accommodation, property and share accomodation in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland SEQRents displays pictures and descriptions of rental property and share accommodation in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland. So if you are looking for a high rise apartment, flat, unit, house, townhouse, apartment, condo, duplex, tenant, flatmate, resort accomodation, holiday accommodation or share accommodation in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland. Why use real estate agents like LJ Hooker at www.ljhooker.com, Ray White at www.raywhite.com, Professionals Real Estate, Century 21, Raine & Horne, First National Real Estate, PRD Realty, Gabe Daly at www.gabedaly.com.au, REMAX Real Estate at www.remax.com.au, Jeff Jones Real Estate at www.jeffjones.com.au or WJ Tobin Real Estate. SEQRents displays executive accommodation, short term lease accommodation, long term lease accomodation, share accommodation, resort accommodation and holiday letting property. Unlike www.property.com.au, PropertiesRUs www.propertiesrus.com.au, Rentme www.rentme.com.au, No Agents Fee www.noagentsfee.com.au, Real Net www.realnet.com.au, Brisbane Exchange www.brisbaneexchange.com.au, Find a Bed www.findabed.com.au, The Owner Direct www.theownerdirect.com.au, Homehunter www.homehunter.com.au SEQRents displays pictures and descriptions of rental property and share accommodation in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland. So if you are looking for a flat, unit, house, townhouse, apartment, condo, duplex or share accommodation in Brisbane, Gold Coast, Logan City, Ipswich and South East QLD. Find out the rent, number of bedroom or bedrooms, bond, duration of lease or tenancy, if it is furnished or unfurnished, if your dog, cat, fish, bird, animal or pets are allowed in your rental flat, unit, house, townhouse, apartment, condo, duplex, resort accomodation, holiday accommodation or share accommodation in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland. Listing includes landlord, property manager, lessor, property owner, real estate agent, letting agent, flatmate, head tenant contact details for each flat, unit, house, townhouse, apartment, condo, duplex, tenant, flatmate, resort accommodation, holiday accommodation or share accommodation in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland appear on the page. SEQRents has the ability to show you rental flats, units, houses, townhouses, apartments, condos, duplexes, tenants, flatmates, resort accommodation, holiday accommodation or share accommodation if you are re-locating to Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland, shifting to Brisbane, Brisbane Southside, Brisbane Northside, Gold Coast, Surfers Paradise, Noosa, Sunshine Coast, Logan City, Ipswich and South East Queensland, transferring to Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland. You no longer have to travel to view rental property in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland, live locally to view places in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland, pay to get listings in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland or find that some of the places are not quite what they describe in the blurb. With SEQRents you can take a seat, make yourself comfortable and view rental property in Brisbane, Gold Coast, Logan City, Ipswich and South East Queensland at a time and place that suits you. seqrents has links to REIQ www.reiq.com.au, The Property Owners Association of Australia POAA, The Property Owners Association of Queensland POAQ www.poaa.asn.au Tenants Union www.powerup.com.au/~tenunq and Residential Tenancies Authority RTA www.rta.qld.gov.au If you are looking for a flat, unit, house, townhouse, apartment, condo, duplex, tenant, flatmate, resort accomodation, holiday accommodation or share accommodation in Acacia Ridge, Albany Creek, Albany Hills, Albion, Alderley, Alexandra Hills, Algester, Annerley, Archerfield, Ascot, Ashgrove, Aspley, Auchenflower, Balmoral, Bardon, Beenleigh, Belmont, Boondall, Boronia Heights, Bowen Hills, Bray Park, Bribie Island, Bridgeman Downs, Brisbane City, Broadbeach Waters, Brookfield, Browns Plains, Bulimba, Buranda, Burbank, Burpengary, Caboolture, Calamvale, Camira, Camp Hill, Capalaba, Carina, Carindale, Carrara, Carseldine, Centenary Suburbs, Chapel Hill, Chelmer, Chermside, Clayfield, Clear Island Waters, Cleveland, Coolum, Coorparoo, Corinda, Cornubia, Crestmead, Daisy Hill, Doolandella, Durack, Dutton Park, Eagleby, Eagleby North, East Brisbane, Eatons Hill, Eight Mile Plains, Enoggera, Everton Park, Ferny Hills, Forest Lake, Fortitude Valley, Goodna, Gordon Park, Grange, Greenslopes, Hamilton, Hawthorne, Herston, Highgate Hill, Hill End, Hillcrest, Holland Park, Hope Island, Inala, Indooroopilly, Ipswich, Jamboree Heights, Jindalee, Kallangur, Kangaroo Point, Kedron, Kelvin Grove, Kenmore, Keperra, Kingston, Kuraby, Lawnton, Logan, Logan City, Logan North, Loganholme, Loganlea, Lutwyche, MacGregor, Manly, Manly West, Margate, McDowall, Meadowbrook, Mermaid Waters, Milton, Moorooka, Morayfield, Morningside, Mt Cotton, Mt Gravatt, Mt Gravatt East, Mt Ommaney, Nathan, New Farm, Newmarket, Newstead, Norman Park, Northgate, Nundah, Ormiston, Oxenford, Oxley, Paddington, Palm Beach, Palm Meadows, Parkinson, Raby Bay, Real Estate Agents, Real Estate Agents, Real Estate Agents, Real Estate Agents, Real Estate Agents, Real Estate Agents, Red Hill, Redbank, Redcliffe, Regents Park, Riverhills, Robertson, Robina, Rosalie, Runcorn, Russell Island, Salisbury, Samford, Seventeen Mile Rocks, Shailer Park, Shorncliffe, Sinnamon Park, Slacks Creek, South Brisbane, Southbank, Southport, Spring Hill, Springfield, Springwood, St Lucia, Stafford, Stones Corner, Sumner Park, Sunnybank, Sunnybank Hills, Taigum, Tanah Merah, Taringa, Tarragindi, Teneriffe, The Gap, Thorneside, Tingalpa, Toombul, Toowong, Victoria Point, Wacol, Wavell Heights, West End, Wilston, Windsor, Wishart, Woodridge, Woody Point, Woolloongabba, Wooloowin, Wynnum, Wynnum West, Yeronga or Zillmere SEQRents has free advertisements of residential and executive properties for rent. 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Pinnacles at Caloundra, Sojos at Capalaba, Belgarah Place at Carina, The Links at Carina, Palmwood Place at Carina, Carindale Vista at Carindale, Carindale Links at Carindale, Monte Mariposa at Carindale, Carindale Landing at Carindale, Epala Villas at Carindale, Golden Outlook at Carindale, Carindale Views at Carindale, Nautilus Apartments at Carrara, Palm Crest Heights at Carrara, Carrara Gardens at Carrara, The Avenues at Carrara, Carseldine Gardens at Carseldine, Castlebrook at Carseldine, Paradise Isles at Chevron Island, Augusta Palms at Chevron Island, Chez Chaz Apartments at Chevron Island, Pacific Grande Apartments at Chevron Island, Clayfield Mews at Clayfield, Hampton Court at Clayfield, Promenade on Clayfield at Clayfield, The Crest on Bonny Ave at Clayfield, The Lakes at Island Quays at Clear Island Waters, Surfers Fairways at Clear Island Waters, Cleveland Central at Cleveland, Cleveland Terrace at Cleveland, Spinnaker Cove at Cleveland, Bayside Gardens at Cleveland, Villa Edgewater at Cleveland, Raby Bay Quays at Cleveland, Raby Bay Gardens at Cleveland, Heritage Gardens at Collingwood Park, Beachhaven at Coolum, Avalon Residential Resort at Coombabah, Prouds Landing at Coombabah, Coomera Cove at Coomera, Beattie Place at Coomera, Coomera Meadow at Coomera, Savannah Waters & Savannah Palms at Coomera, Coomera Green at Coomera, Evergreen Manors at Coomera, River Heights at Coomera, The Cove at Coomera, Axia Apartments at Coorparoo, Testpage at Coorparoo, Langlands Close Apartments at Coorparoo, Marion Manor at Coorparoo, Coocoomah House at Coorparoo, Botanical Park Apartments at Currumbin, Waves on Currumbin at Currumbin, Aquatic Terraces at Currumbin, Galleon Park Waters at Currumbin Waters, Yengarie Village at Daisy Hill, Bay View Palms at Deception Bay, Mayfair On The Park at East Brisbane, Fisher House at East Brisbane, Windsor Court at Edens Landing, Kuranda at Eight Mile Plains, Kingsmead at Eight Mile Plains, Maisons de Bordeaux at Eight Mile Plains, Sunnybank Close at Eight Mile Plains, Kuranda Townhouses at Eight Mile Plains, San Mateo Villas at Eight Mile Plains, Kuranda Houses at Eight Mile Plains, Oceanwood at Elanora, Beachwood Villas at Elanora, Pepper Hill Townhouses at Ernest, The Meadows at Ferny Grove, Degree at Fortitude Valley, Viva Apartments at Fortitude Valley, Central Brunswick Apartments at Fortitude Valley, Fortune Court at Fortitude Valley, 24 Wandoo at Fortitude Valley, Petrie Point Apartments at Fortitude Valley, Bells Square at Fortitude Valley, East Village at Fortitude Valley, Emporium at Fortitude Valley, McWhirters Apartments at Fortitude Valley, The Galleries at Fortitude Valley, Mercado Apartments at Fortitude Valley, Timesquare 1 at Fortitude Valley, Viva Apartments at Fortitude Valley, Sun Apartments at Fortitude Valley, Econo Inn at Fortitude Valley, Profile Apartments at Fortitude Valley, Fuel Apartments at Fortitude Valley, Snooze Inn at Fortitude Valley, Cube Apartments at Fortitude Valley, Ultra Apartments at Fortitude Valley, Villa Milos at Gaven, Villa Corfu at Gaven, Bere Terraces at Gaythorne, Piccadilly Place at Geebung, Graceville Park at Graceville, Mandurah Village at Grange, Hermitage Gardens at Grange, Greenslopes Motor Inn at Greenslopes, Cootha View Apartments at Greenslopes, Coolmore Apartments at Greenslopes, Devine Manor at Greenslopes, Tuscany Palms at Greenslopes, Pegasus Motor Inn at Hamilton, Riverside on Toorak at Hamilton, Riverside on Toorak at Hamilton, Riverside on Toorak at Hamilton, Riverside on Toorak at Hamilton, Bretts Wharf at Hamilton, Riverside on Toorak at Hamilton, Riverside on Toorak at Hamilton, Hemmant Village at Hemmant, Millbrook at Hendra, Tea Tree Grove at Hendra, Wolseley Court at Herston, Tarcoola Lodge at Highgate Hill, Panorama Palms at Highland Park, Hillcrest Heights at Hillcrest, Sanctuary Bay Villas at Hope Island, Sanctuary Gardens at Hope Island, Brisbanes Best at Indooroopilly, Verandahs on Vincent at Indooroopilly, Ikon Apartments at Indooroopilly, Poinciana Park at Indooroopilly, Riva Apartments at Indooroopilly, Raffles on Capri at Isle of Capri, Centenary Quays at Jindalee, Kingsland Apartments at Kangaroo Point, Vicinity at Kangaroo Point, Oakford Apartments at Kangaroo Point, Highpoint Apartment at Kangaroo Point, MacLeay Tower and Villas at Kangaroo Point, Rivercity Gardens at Kangaroo Point, High Point Apartments at Kangaroo Point, Lana Place at Kangaroo Point, Silver Quays at Kangaroo Point, Bridgewater Quest Apartments at Kangaroo Point, Stradbroke Tower and Villas at Kangaroo Point, Shafston Towers at Kangaroo Point, Vantage Apartments at Kangaroo Point, Bridgewater Terraces at Kangaroo Point, Bridgewater Gardens Apartments at Kangaroo Point, Amity Myora at Dockside at Kangaroo Point, Goodwin Apartments at Kangaroo Point, Bridgeport Apartments at Kangaroo Point, Dockside Apartment Hotel at Kangaroo Point, 19 Thorn at Kangaroo Point, Mon Reve at Kangaroo Point, The Docks on Goodwin at Kangaroo Point, Aspire Apartments at Kedron, 45 Herston Rd at Kelvin Grove, Eureka Grove at Kelvin Grove, Grey Gum Cottage at Kenmore Hills, The Observatory at Kings Beach, Royale Gardens at Kingston, Royale Gardens at Kingston, Ocean Place Apartments at Kirra, Pearl of Kirra at Kirra, St Andrews Park at Kuraby, Chesterfield Lodge at Kuraby, Chesterfield Grove at Kuraby, Timbertop Grove at Kuraby, Jabiru Landing at Labrador, Granite Apartments at Labrador, Sandcastles on the Broadwater at Labrador, Grande Central at Labrador, Capistrano Bay at Labrador, Pebbles at Labrador, Metro On Central at Labrador, Central Heights at Labrador, Park Landing at Labrador, Grand Bay Luxury Apartments at Labrador, Springfields at Labrador, Broadwater Heights at Labrador, Coniston Townhouses at Logan North, Rosewood Park at Logan North, Country Meadows at Loganholme, Logandale Lakes at Loganholme, Suzette Court at Loganlea, Urban Ridge Terraces at Lutwyche, Park Lane Apartments at Main Beach, Seychelles On Main Beach at Main Beach, Scalinada Apartments at Main Beach, Spinnaker Apartments at Main Beach, Contessa at Main Beach, De Ville Apartments at Main Beach, The Crest at North Lakes at Mango Hill, Manly Brook at Manly, Moreton Manors at Manly West, Manly Park at Manly West, The Outlook Manly at Manly West, Highland Ridge at Manly West, Villa Hermosa at McDowall, Meadowbrook Court at Meadowbrook, Chamonix at Mermaid Beach, Sailfish Point at Mermaid Waters, Sailfish Cove at Mermaid Waters, Melaleuca Park at Mermaid Waters, Pacific Keys Central at Mermaid Waters, Miami Villas at Miami, Kedron Brook Park at Mitchelton, Mooloolaba Motel at Mooloolaba, Moorooka Manors at Moorooka, Coolum Villas at Mt Coolum, Resort Rez at Mt Gravatt, Hamlet On The Park at Mt Gravatt, Mt View Apartments at Mt Gravatt, Sunrise Views Villas at Mt Gravatt East, Garden City Estate at Mt Gravatt East, Pannorama Rise at Mt Gravatt East, Carindale Approach at Mt Gravatt East, Mt Ommaney Mews at Mt Ommaney, Somerset Views at Mudgeeraba, Somerset Park at Mudgeeraba, Somerset Heights at Mudgeeraba, Park Hill Village at Murarrie, Kookaburra Gardens at Nerang, Riverview Gardens at Nerang, Paradise Waters at Nerang, Riverbend Apartments at Nerang, Balmoral Rise at Nerang, River Springs Country Club at Nerang, Gilston Grange at Nerang, Casa de la Vista at New Farm, Cutters Landing at New Farm, Mountford Cottage at New Farm, Mountford Cottage at New Farm, Powerhouse Apartments and Terraces at New Farm, Freshwater at New Farm, Mountford Cottage at New Farm, Greenwich Apartments at New Farm, Mountford Cottage at New Farm, Mountford Cottage at New Farm, The River Gallery at New Farm, Coolden Apartments at New Farm, Edward Lodge at New Farm, Caravelle Apartments at New Farm, Mountford Cottage at New Farm, Belvedere Lodge at New Farm, Mercantile Dalgety Place at Newstead, No 1 Newstead Ave at Newstead, Riverstead Apartments at Newstead, The Establishment at Newstead, Manhattan on Newstead at Newstead, Mariners Reach at Newstead, Bond Store at Newstead, Teneriffe Apartments at Newstead, Newstead Terraces at Newstead, Mariners Reach at Newstead, Bella Casa Noosa at Noosa Heads, Wattle Hill Apartments at Norman Park, Vaucluse at Norman Park, Lakeland Villas at North Robina, Ormiston Springs at Ormiston, Ormiston Manor at Ormiston, Ormiston By The Bay at Ormiston, Riverlink Gardens at Oxenford, Oxley Rise Estate at Oxley, Pacific Pines Central at Pacific Pines, Lakeview Manor at Palm Beach, Off Shore at Palm Beach, Meadow Peak at Palm Meadows, Grand Mariner Residential Resort at Paradise Waters, Atlantis East at Paradise Waters, Kyema Gardens at Parkinson, Parkinson Outlook at Parkinson, University Square at Parkwood, University Village at Parkwood, University Square at Parkwood, Montessa Heights at Parkwood, Jabiru Place at Redbank, Waterview Apartments at Redcliffe, Redland on the Bay at Redland Bay, Somerset Gardens at Reedy Creek, Bentley Park Stage I at Reedy Creek, Forest Lake Approach at Richlands, Centenary Place at Riverhills, Ridge Heights at Riverhills, Emerald Gardens at Robertson, Unaccom University Accommodation at Robertson, Robertson Emerald Park at Robertson, University Park at Robertson, Scholars Cove Resort at Robina, Monet Gardens at Robina, Shanandoa Court at Robina, The Vintage & The Hermitage at Robina, Cordoba Manors at Robina, Varsity Shores at Robina, Robina Palms Terraces at Robina, La Hacienda at Robina, Central Park Apartments at Robina, Eastview on Robina Woods at Robina, Eastlake at Robina, Villas Tijuana at Robina, Paradise Springs Country Club at Robina, Maximes at Robina, Glades Easthill Nth Residences at Robina, College Park at Robina, The Reserve at Robina, Robina Quays at Robina, Varsity Mews at Robina, Lakewood Reserve at Robina, Chateau Martinique at Robina, Glades Easthill at Robina, Roseland Gardens at Robina, Country Lane at Runaway Bay, Limetree Waters West at Runaway Bay, Limetree Waters East at Runaway Bay, Settlers Cove at Runaway Bay, Mariners Village III at Runaway Bay, Monet Landing at Runaway Bay, Bayview Bay Apartments at Runaway Bay, Runaway Heights 4 at Runaway Bay, Harbour Landing at Runaway Bay, Sanctuary Park Villas at Runaway Bay, Runaway Vista at Runaway Bay, Gumtrees at Runcorn, Sunnybank Approach at Runcorn, Cornhill Gardens at Runcorn, Regency Heights at Runcorn, Tudor Gardens Village at Runcorn, Whitewood Place at Runcorn, Miles Mediterranean Villas at Runcorn, Glenmoor Court at Runcorn, Persse Villas at Runcorn, Parkside Runcorn at Runcorn, Lakefield Court at Runcorn, Salisbury Gardens at Salisbury, University Gardens at Salisbury, Salisbury Plaza at Salisbury, Jindalee Close Management at Seventeen Mile Rocks, Buena Vista at Sinnamon Park, Windermere Terraces at Sinnamon Park, Parklands Glade at Slacks Creek, The Arbour on Grey at South Bank, The Galleria Apartments at South Brisbane, Northbridge Apartments at South Brisbane, La Torretta Bed and Breakfast at South Brisbane, Northstar Property Management at South Brisbane, Corio Apartments at South Brisbane, Riviera Apartments at South Brisbane, River Plaza at South Brisbane, Riverside Hotel at South Brisbane, The Oasis at South Tweed, The Oaks On Southport at Southport, Allamanda Heights at Southport, Summer Place at Southport, Albatross Park at Southport, Melrose Place at Southport, Sea Bay Luxury Apartments at Southport, Park Breeze Luxury Apartments at Southport, Adelphi Springs at Southport, Vista del Mare at Southport, CBD on Broadwater at Southport, Grandview Apartments at Southport, Sadona Place at Southport, Waverley Apartments at Southport, Telesto Place at Southport, Chapala Apartments at Southport, Parkside on Whitby at Southport, 48 Lenneberg St at Southport, Mayfair Residences on Wickham Tce at Spring Hill, Barbizon Apartments (Long Term) at Spring Hill, Barbizon Executive Apartments (Short Term) at Spring Hill, Barbizon Apartments at Spring Hill, Spring Hill Square at Spring Hill, Edwardian at Spring Hill, Oxygen Apartments at Spring Hill, Frisco Apartments at Spring Hill, Spring Hill Manor Apartments at Spring Hill, Spring Hill Central at Spring Hill, Centrepoint Central Apartments at Spring Hill, Tribeca Apartments at Spring Hill, Avalon Parkside at Spring Hill, Bonapartes Serviced Resort Apartments at Spring Hill, Sedgebrook on Leichhardt at Spring Hill, Birley Lane Apartments at Spring Hill, Spring Hill Gardens Apartments at Spring Hill, Spring Hill Mews at Spring Hill, The Romantic Stone Cottage at Springbrook, Springbrook Canyon Cottage at Springbrook, Kempson Court at Springfield, Springfield Green at Springfield, Autumn Leaves & Forest Pines at Springwood, Henley Apartments at St Lucia, Sandford Manor at St Lucia, Bryce St at St Lucia, Cambridge Square at St Lucia, Killara Court at Stafford, The Lodge at Stapylton, The Grange at Strathpine, Sunnybank Boulevard at Sunnybank, Jackson Rise at Sunnybank, Sunnybank Central at Sunnybank, Sunnybank Pines at Sunnybank Hills, Acacia Green at Sunnybank Hills, Rosegarden Manors at Sunnybank Hills, Sunny Rose at Sunnybank Hills, Sheridan Park at Sunnybank Hills, Crown Pines at Sunnybank Hills, Surfers Riverside Holiday Apartments at Surfers Paradise, Budds Beach Apartments at Surfers Paradise, Beaches at Surfers Paradise, Trilogy Gold Coast at Surfers Paradise, Sydenham Mews at Sydenham VIC, Lemke On The Park at Taigum, The Oval at Taigum, Hanford Grove at Taigum, Parkwood Gardens Two at Taigum, Jargarra Villas at Tanah Merah, Taringa Quest at Taringa, Kingshome at Taringa, Manchester Mews at Taringa, Whitmore Park Apartments at Taringa, Ansonia Apartments at Teneriffe, Cannery at Teneriffe, Kingsholme Apartments at Teneriffe, Signature Park Apartments at Teneriffe, Wharfside Teneriffe Apartments at Teneriffe, Ellington at Teneriffe at Teneriffe, Fusion at Teneriffe, Winchcombe Carson Woolstore at Teneriffe, Dakota Apartments at Teneriffe, MacTaggarts at Teneriffe, Nouvelle Apartments at 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Apartments at Varsity Lakes, Mapleton Crest at Varsity Lakes, Ranier Sunrise at Varsity Lakes, North Shore Villas at Varsity Lakes, Victoria Cove at Victoria Point, Victoria Cove at Victoria Point, Manly Crest at Wakerley, Huntington Estate at Warner, Riverbend Gardens at Waterford, Sealark Cove at Wellington Point, Wellington Shores at Wellington Point, Euro West End Apartments at West End, Ambleside Court at West End, Leftbank Apartments at West End, Ambleside Court at West End, Silhouette at West End, Regatta West End at West End, Greenwich on Cordelia at West End, Ambleside Court at West End, West End Central Apartments at West End, Leftbank Apartments at West End, Ambleside Court at West End, The Village at West End at West End, Westlake Villas at Westlake, Michael's Court at Windsor, Brisbane Cottages at Windsor, Garden City Close at Wishart, Garden City Manors at Wishart, Wishart Rise at Wishart, Eco Park at Wishart, Wishart Views at Wishart, Matswell Manor at Woodridge, Snooze Inn at Woolloongabba, Wynnum Gardens at Wynnum, Wynnum Cove at Wynnum, Nut Tree Hill at Wynnum, Wynnum Waters at Wynnum, Camellia Grove at Wynnum, Baytrees at Wynnum, Nuttree Grove at Wynnum, Melaleuca Chase at Wynnum West, Wynnum on the Bay at Wynnum West, Wynnum Shores at Wynnum West, Villa Aetna at Yeronga, Oxford Park Villas at Zillmere

home equity. Why? Certain

Home Equity Scams: Borrowers Beware! Home Equity Loans : Borrowers Beware! D o you own your home? If so, it's likely to be your greatest single asset. Unfortunately, if you agree to a loan that's based on the equity you have in your home, you may be putting your most valuable asset at risk. Homeowners-particularly elderly, minority and those with low incomes or poor credit-should be careful when borrowing money based on their home equity. Why? Certain abusive or exploitative lenders target these borrowers, who unwittingly may be putting their home on the line. Abusive lending practices range from equity stripping and loan flipping to hiding loan terms and packing a loan with extra charges. The Federal Trade Commission urges you to be aware of these loan practices to avoid losing your home. The Practices Equity Stripping You need money. You don't have much income coming in each month. You have built up equity in your home. A lender tells you that you could get a loan, even though you know your income is just not enough to keep up with the monthly payments. The lender encourages you to "pad" your income on your application form to help get the loan approved. This lender may be out to steal the equity you have built up in your home. The lender doesn't care if you can't keep up with the monthly payments. As soon as you don't, the lender will foreclose-taking your home and stripping you of the equity you have spent years building. If you take out a loan but don't have enough income to make the monthly payments, you are being set up. You probably will lose your home. Hidden Loan Terms: The Balloon Payment You've fallen behind in your mortgage payments and may face foreclosure. Another lender offers to save you from foreclosure by refinancing your mortgage and lowering your monthly payments. Look carefully at the loan terms. The payments may be lower because the lender is offering a loan on which you repay only the interest each month. At the end of the loan term, the principal-that is, the entire amount that you borrowed-is due in one lump sum called a balloon payment. If you can't make the balloon payment or refinance, you face foreclosure and the loss of your home. Loan Flipping Suppose you've had your mortgage for years. The interest rate is low and the monthly payments fit nicely into your budget, but you could use some extra money. A lender calls to talk about refinancing, and using the availability of extra cash as bait, claims it's time the equity in your home started "working" for you. You agree to refinance your loan. After you've made a few payments on the loan, the lender calls to offer you a bigger loan for, say, a vacation. If you accept the offer, the lender refinances your original loan and then lends you additional money. In this practice-often called "flipping"-the lender charges you high points and fees each time you refinance, and may increase your interest rate as well. If the loan has a prepayment penalty, you will have to pay that penalty each time you take out a new loan. You now have some extra money and a lot more debt, stretched out over a longer time. The extra cash you receive may be less than the additional costs and fees you were charged for the refinancing. And what's worse, you are now paying interest on those extra fees charged in each refinancing. Long story short? With each refinancing, you've increased your debt and probably are paying a very high price for some extra cash. After a while, if you get in over your head and can't pay, you could lose your home. The "Home Improvement" Loan A contractor calls or knocks on your door and offers to install a new roof or remodel your kitchen at a price that sounds reasonable. You tell him you're interested, but can't afford it. He tells you it's no problem-he can arrange financing through a lender he knows. You agree to the project, and the contractor begins work. At some point after the contractor begins, you are asked to sign a lot of papers. The papers may be blank or the lender may rush you to sign before you have time to read what you've been given. The contractor threatens to leave the work on your house unfinished if you don't sign. You sign the papers. Only later, you realize that the papers you signed are a home equity loan. The interest rate, points and fees seem very high. To make matters worse, the work on your home isn't done right or hasn't been completed, and the contractor, who may have been paid by the lender, has little interest in completing the work to your satisfaction. Credit Insurance Packing You've just agreed to a mortgage on terms you think you can afford. At closing, the lender gives you papers to sign that include charges for credit insurance or other "benefits" that you did not ask for and do not want. The lender hopes you don't notice this, and that you just sign the loan papers where you are asked to sign. The lender doesn't explain exactly how much extra money this will cost you each month on your loan. If you do notice, you're afraid that if you ask questions or object, you might not get the loan. The lender may tell you that this insurance comes with the loan, making you think that it comes at no additional cost. Or, if you object, the lender may even tell you that if you want the loan without the insurance, the loan papers will have to be rewritten, that it could take several days, and that the manager may reconsider the loan altogether. If you agree to buy the insurance, you really are paying extra for the loan by buying a product you may not want or need. Mortgage Servicing Abuses After you get a mortgage, you receive a letter from your lender saying that your monthly payments will be higher than you expected. The lender says that your payments include escrow for taxes and insurance even though you arranged to pay those items yourself with the lender's okay. Later, a message from the lender says you are being charged late fees. But you know your payments were on time. Or, you may receive a message saying that you failed to maintain required property insurance and the lender is buying more costly insurance at your expense. Other charges that you don't understand-like legal fees-are added to the amount you owe, increasing your monthly payments or the amount you owe at the end of the loan term. The lender doesn't provide you with an accurate or complete account of these charges. You ask for a payoff statement to refinance with another lender and receive a statement that's inaccurate or incomplete. The lender's actions make it almost impossible to determine how much you've paid or how much you owe. You may pay more than you owe. Signing Over Your Deed If you are having trouble paying your mortgage and the lender has threatened to foreclose and take your home, you may feel desperate. Another "lender" may contact you with an offer to help you find new financing. Before he can help you, he asks you to deed your property to him, claiming that it's a temporary measure to prevent foreclosure. The promised refinancing that would let you save your home never comes through. Once the lender has the deed to your property, he starts to treat it as his own. He may borrow against it (for his benefit, not yours) or even sell it to someone else. Because you don't own the home any more, you won't get any money when the property is sold. The lender will treat you as a tenant and your mortgage payments as rent. If your "rent" payments are late, you can be evicted from your home. Protecting Yourself You can protect yourself against losing your home to inappropriate lending practices. Here's how: Don't: Agree to a home equity loan if you don't have enough income to make the monthly payments. Sign any document you haven't read or any document that has blank spaces to be filled in after you sign. Let anyone pressure you into signing any document. Agree to a loan that includes credit insurance or extra products you don't want. Let the promise of extra cash or lower monthly payments get in the way of your good judgment about whether the cost you will pay for the loan is really worth it. Deed your property to anyone. First consult an attorney, a knowledgeable family member, or someone else you trust. Do: Ask specifically if credit insurance is required as a condition of the loan. If it isn't, and a charge is included in your loan and you don't want the insurance, ask that the charge be removed from the loan documents. If you want the added security of credit insurance, shop around for the best rates. Keep careful records of what you've paid, including billing statements and canceled checks. Challenge any charge you think is inaccurate. Check contractors' references when it is time to have work done in your home. Get more than one estimate. Read all items carefully. If you need an explanation of any terms or conditions, talk to someone you can trust, such as a knowledgeable family member or an attorney. Consider all the costs of financing before you agree to a loan. For More Information The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP www.ftc.gov April 1998