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DanceRecords.com -- Welcome to DanceRecords.com! -- -- Vinyl New Releases & Restocks DanceRecords Picks Recommendations Top Sellers Search Browse by Style House ------------------------ All House 80s Acid Bangin Chunky Classic Club Deep Dirty Disco Driving Electro Electroclash Ethereal Filtered French Funky Groovin Hard Italo Disco Jazzy Latin Mash Up Melodic Minimal New Beat Peak Hour Progressive Soulful Tech Tribal Vocal Trance ------------------------ All Trance Acid Bangin Classic Club Cyber Dark Deep Driving Electro Electroclash Epic Ethereal Funky Groovin Hard Melodic NRG Peak Hour Progressive Slammin Tech UK Hard House Vocal Techno ------------------------ All Techno Acid Bangin Deep Driving Electro Ethereal Funky Ghetto Hard Minimal Peak Hour Progressive Slammin Tribal Drum'n'Bass/Jungle ------------------------ All Drum'n'Bass/Jungle Dark Hard Step Jump Up Neuro Funk Ragga Smooth Tech Step Breaks/Other ------------------------ All Breaks/Other 2 Step Classic Dark Downtempo Electroclash Electro Funky Hip Hop Nu Skool Old School Progressive Compact Discs House Trance Techno Drum'n'Bass/Jungle Breaks/Other DanceRecords Picks Recommendations Get personalized recommendations instantly! Click here to find out about this exciting feature. Free Shipping Offer Because we appreciate your business, we are offering free ground shipping on all orders over $50.00. Simply place your order and select the free shipping option when you check out. This offer applies to ground shipping within the continental United States only. Special Order Service New! Every time you sign up for a restock alert by clicking the "Request" link next to an out-of-stock title, we will automatically try to stock the title for you. New Releases Email Sign up to be notified when new titles are added to the site! Email: New Vinyl Releases & Restocks December 29th House Trance Techno Drum'n'Bass/Jungle Breaks/Other December 27th House Trance Techno Drum'n'Bass/Jungle Breaks/Other December 20th House Trance Techno Drum'n'Bass/Jungle Breaks/Other December 13th House Trance Techno Drum'n'Bass/Jungle Breaks/Other December 6th House Trance Techno Drum'n'Bass/Jungle Breaks/Other November 29th House Trance Techno Drum'n'Bass/Jungle Breaks/Other November 22nd House Trance Techno Drum'n'Bass/Jungle Breaks/Other November 15th House Trance Techno Drum'n'Bass/Jungle Breaks/Other November 8th House Trance Techno Drum'n'Bass/Jungle Breaks/Other Upcoming Releases - New! House Trance Techno Drum'n'Bass/Jungle Breaks/Other Latest Mixes 12/01 :: Nathan Vain Deep Funky Progressive Tech House, Progressive Electro House, Peak Hour Deep Techy Progressive House 11/20 :: Joe Funky Dark Electro House, Slammin Funky House, Funky Breaks, Funky Progressive Electro House 11/12 :: Ende Aeich Vocal Deep Progressive Trance, Chunky Deep Melodic Progressive Trance, Deep Epic Trance 09/09 :: Terry Mullan Funky Jackin Acid House, Funky Acid House, Deep Tech House 09/02 :: Angel Alanis Funky Deep Tech House, Groovin Quirky Tech House 08/16 :: Nathan Vain Techy Deep Progressive House, Driving Progressive House, Deep Melodic Progressive House 06/16 :: Mike Balance Peak Hour Slammin Funky Electro House, Peak Hour Funky Filtered House, Funky Filtered Disco House 05/21 :: Nathan Vain Deep Melodic Progressive House, Deep Driving Progressive House, Deep Tribal Progressive House 02/25 :: Aaron Scrignar Italo Disco, Electro Tech House, Progressive Tech House, Tribal Tech House, Bangin' Techno 01/08 :: DJ Denise Funky House, Funky Deep House More... © 2000-2005 DanceRecords.com. All rights reserved. About :: Contact Us :: Privacy Policy Credits :: Links --

real estate listings. Oceanfront

Maine Waterfront Real Estate Listings - Coastal Maine's Oceanfront Real Estate Specialists Bob Fenton & Marjorie Crowley Maine's Oceanfront Real Estate Specialists Exclusively Representing Coastal Maine Real Estate Buyers 800-293-4416 We're your Maine real estate guides and regional advisors. We make it easy for you to fulfill your dream of owning real estate in Maine. You'll get to know the Maine real estate marketplace from the comfort of your home or office. You'll put our years of real estate brokerage experience and coastwise knowledge to work for you right away. Call to discuss your Maine real estate search. Visit bobfenton.com often for the most up to date real estate listings. Oceanfront property listings including Camden Maine real estate, York Maine and Boothbay Maine real estate. We are the Maine's oceanfront real estate specialists offering a wide variety of oceanfront real estate and lakefront real estate. Search Maine Property Listings : P referred B uyer's S ervices Get FREE access to all coastal Maine real estate listings. See every real estate listing on the coast of Maine. Get Daily E-Mail Alerts of new listings and price changes. Never Miss Another Listing . Coastal Maine Real Estate Listings Tour of Coastal Maine Real Estate Listings Here's an easy way to get a feel for what's going on in real estate on the coast of Maine. Our selection of: Coastal Maine Waterfront Listings Maine Waterfront Homes Over $5 Million Over $2 Million Over $1 Million $900,000 to $1 Million $800,000 to $900,000 $700,000 to $800,000 $600,000 to $700,000 $500,000 to $600,000 $400,000 to $500,000 $300,000 to $400,000 $150,000 to $300,000 Maine Waterfront Condominiums Maine Antique Homes Built Before 1800 Over $1 Million $500,000 to $1 Million Under $500,000 Maine Bed & Breakfasts Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non-commercial use only. Dimensions are approximate. All data should be independently verified. © 2005 Maine Real Estate Information System, Inc. All Rights Reserved. Exclusive Buyer's Brokers for Maine RealEstate We are professional buyers brokers offering exclusive representation for all Maine properties. We provide complete loyalty without conflicts of interest on your purchase of Maine real estate. Your confidentiality is of utmost importance while buying any coastal Maine property. We help you analyze all sales data to determine the true property value of your new Maine home. Our tough negotiating tactics work to get you the best price and terms on your new home in Maine. Maine WebCams : Coastal Maine Web Cams Take a "virtual tour" of coastal Maine. Visit Web Cams on the coast. We sincerely enjoy introducing people like you to the scenic beauty of coastal Maine. One of our most popular links. Maine Lighhouses : Maine's Most Photographed Icon If you like lighthouses, Maine is Mecca. Maine is host to many of the nation's oldest lighthouses. Navigating the coast of Maine presented quite a challenge in the early days of coastal trading. With all of the small islands, rocky outcroppings, ledges and reefs, the dangers of sailing the coast were great. There are more than 60 lights cloistered along the 3500 miles of Maine's convoluted and rocky coast. Our tour consists of over 30 Lighthouses and some Lighthouse Web Cams along the coast of Maine. Maine Maps : Detailed Area Maps & Regional Info. Local Information, with maps of towns or regions. Links to area's Chamber of Commerce, local on-line news, ferry service to area islands, and an ariel photo of the community. Get the local area information you need to make a wise real estate buying decision.Resources for ordering maps of Maine and everybody's favorite book about life in Maine: "Moving to Maine" Your personal guide to Maine realestate Put our years of real estate experience and regional coastwise knowledge to work for you. We've learned about all the complexities that surround your unique search for Maine property.With our help, your real estate decisions will be made with complete confidence. You'll be sure you've made the right choice because you've got all the information you need to make a wisedecision. It begins by having an experienced real estate broker on your side. Before you know it, you'll be wondering why youtook so long to make the move. And chances are you'll call Maine your home, even if you're a seasonal resident. Call to discuss your search for Maine real estate. 800-293-4416 Search Maine Real Estate Listings | Maine Modular Home Builder | Maine Custom Home Builder Maine Life | Maine Home Buying Tips | Maine Broker Profile Maine Lodging | Maine Travelogues | Why You Need a Buyer's Broker | Client Testimonials

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, 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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, 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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