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

real estate listing for

Find Homes For Sale, New Houses, Foreclosures and Real Estate Agents on Yahoo! Real Estate Find Homes For Sale, New Houses, Foreclosures and Real Estate Agents Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Features Classifieds • Sell Your Home • Rent Your Apartment Neighborhood Research • What's My Home Worth? • School Profiles • Neighborhood Profiles Home Loans • Mortgage Rates • Online Rate Quotes • Refinance Loans & Rates • Home Equity Loans & Rates • Free Credit Reports REALTORS • Find & Compare REALTORS Resources • Moving Services • Foreclosure Center Home Improvement & Services • Home Services • Home Improvement Library • House Facts Search Homes For Sale City & State, or Zip: Price Range: $0 $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million to No limit $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Search For: Existing Homes Yahoo! Classifieds New Homes Foreclosures Advanced Search Search Commercial Real Estate Sell Your Home with the Help of Yahoo! Classifieds. Generate leads quickly with placement in front of millions of Yahoo! users. Your ad runs for 21 days URL link to another Web site Post up to six photos Full property description Sell Your Home Today! Foreclosure Center Search Foreclosures Find properties at 20-50% off market value. Learning Center Get educated about foreclosure opportunities. Sponsored Links You Can Create FSBO Listings that Sell Learn how to get hundreds of visitors to view your online real estate listing for free. Learn the for sale by owner tips and tricks. www.efizzbo.com Realtor MLS Listing for By Owner Sellers FSBO sellers list in realtors MLS. State law-compliant required paperwork, signs, purchase agreements, FSBO help, Web listings. Flat fee packages $399 and up, including MLS listing. www.flatfeemlslisting.com Charlotte NC MLS Listing from $299 FSBO MLS listing in Charlotte NC and surrounding counties. List in MLS from $299. www.charlotteflatfee.com Nationwide MLS Listing for Only $279 Six months on your local MLS and Realtor.com. This month's specials: Lock boxes $27 and FSBO sign $10. Why pay more to other companies? You can get the same results from FSBOSupport.com. www.fsbosupport.com (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Home Services by ServiceMaster Clean, Fix and Improve your Home Get an Estimate or call 1-866-843-2834 Real Estate News Can separated couple sell two houses in one year? Dec 20, 2005, Inman News Realty Reality: HOA Members have Greater Access to Records Dec 20, 2005, Realty Times Demystifying Escrow For First-Time Home Buyers Dec 15, 2005, RealEstateJournal.com Housing starts rise, core inflation tame Dec 20, 2005, Yahoo! Finance Dubai firm in 26.6-billion-dollar Saudi project (AFP) Dec 20, 2005, Yahoo! News Number of New Homes Increase for a Strong Year Dec 20, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages

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TREC - Salesperson Application Information -- Licensee Info Search Quick Links -- To Popular Pages -- Licensee Info Search R. E. Contract Forms Renew or Apply Online Salesperson Application Real Estate License Forms Education Providers Core R.E. Course List Freq. Asked Questions Real Estate License Act TREC Rules Data File Downloads License Information Licensing Main Page MCE Requirements FAQs Timeshare Registration Residential Service Company Program Licensed Residential Service Companies Fee Schedule Applications, Requirements Applications & Other License Forms Real Estate Salesperson Requirements Real Estate Broker Requirements R.E. Broker (Corporation & LLC) Requirements Candidate Info. Brochure Reciprocity Information Inspector Applications Renew Your License Renewing a Salesperson License Renewing a Broker License Online Renewal (Brokers, 2yr Salespersons) Duplicate of License Renewal Notice Inspector Renewals KEY To Symbols =Page is in area (folder tab) of this color = Adobe PDF file format = Web site external to TREC Applying to Become a Real Estate Salesperson (PLEASE READ ALL INFORMATION CAREFULLY) To be eligible to apply for a real estate Salesperson License, an individual must be a citizen of the United States or a lawfully admitted alien, eighteen (18) years of age or older and a legal resident of Texas. This next requirement depends on the date of your planned application For Those Applying Prior to January 1, 2006 To be eligible to apply for a real estate Salesperson License, an individual must furnish the Commission satisfactory evidence of successfully completing the following education: Principles of Real Estate core real estate course [60 classroom hours] Law of Agency core real estate course (30 classroom hours) Law of Contracts core real estate course (30 classroom hours) An additional four semester (60 classroom) hours in core courses or in related courses acceptable to the Commission. Evidence of successful completion shall be presented via credit transcript or certificate prior to filing a Salesperson License Application form. DO NOT submit original transcripts and/or course completion certificates. Keep the originals for your personal files and send photocopies to the Commission. For Those Applying On or After January 1, 2006 To be eligible to apply for a real estate Salesperson License, an individual must furnish the Commission satisfactory evidence of successfully completing the following education: Principles of Real Estate core real estate course [60 classroom hours] Law of Agency core real estate course (30 classroom hours) Law of Contracts core real estate course (30 classroom hours) An additional core real estate course (30 classroom hours) Another four semester (60 classroom) hours in core courses or in related courses acceptable to the Commission. Evidence of successful completion shall be presented via credit transcript or certificate prior to filing a Salesperson License Application form. DO NOT submit original transcripts and/or course completion certificates. Keep the originals for your personal files and send photocopies to the Commission. To be eligible to apply for a real estate Salesperson License you must first obtain a letter from the Commission attesting to satisfaction of all education requirements. THE EVALUATION OF EDUCATION DOCUMENTS MUST BE PERFORMED BEFORE THE APPLICATION CAN BE FILED. To obtain an evaluation of your education documents submit the form, Request for Evaluation of Education Documents . A fee of $20.00 is required for the evaluation of education documents for the purpose of determining if education requirements have been satisfied. This fee is good for one year. Please submit copies of your transcripts or course certificates with your request for evaluation. DO NOT submit original documents. The following required fees must be submitted at the time of filing an application. AN APPLICATION RECEIVED WITHOUT THE APPROPRIATE FEES WILL BE REJECTED AND RETURNED. The following fees should be submitted in ONE CHECK OR MONEY ORDER payable to the Texas Real Estate Commission. ALL FEES LISTED BELOW ARE NONREFUNDABLE. Fees Required with Real Estate Salesperson License Application Fee Amount Comment Original Application $69.50 Required for all applicants Recovery Trust Account (formerly Recovery Fund) $10.00 Required for all applicants unlesspreviously paid File your Salesperson Application and Pay for it Online! License examinations are administered by PSI, a testing service company. Once your application has been received, processed and accepted, you will receive notification that you may obtain a copy of the Candidate Information Brochure (CIB) to register for the exam. The CIB will provide instructions on how to make reservations to take the examination and contains study material and instructions about licensing. A copy of the CIB can be downloaded from the PSI web site at http://www.psiexams.com . Please DO NOT attempt to register for the exam without first receiving notification from our office. The filing of an application authorizes an investigation of the applicant's background. Information revealed in an investigation may be cause for disapproval of an application eventhough other requirements for a license are met. If an investigation is necessary, it may not be conducted until the applicant has passed the examination. State law prohibits issuing more than one license once a licensee has defaulted on astudent loan guaranteed by the Texas Guaranteed Student Loan Corporation (TGSLC) unless the licensee has entered into a repayment agreement with TGSLC. YOU SHOULD CONTACT TGSLC BEFORE FILING THIS APPLICATION if you have defaulted on a student loan. An application or renewal may be rejected if this agency has received information from TGSLC that the applicant has defaulted on a student loan. The Texas Guaranteed Student Loan Corporation can be contacted at: Texas Guaranteed Student Loan Corporation P.O. Box 15996 Austin, Texas 78761-5996 Telephone: 1-800-222-6297 Before you can practice as a licensed salesperson you must arrange for a Texas real estate broker holding an active license to sponsor you as a salesperson. Applicants and inactive salespersons are not authorized to act as real estate agents. While you are not required to have a sponsoring broker to file an application for a license, a sponsorship request form is included with the application materials. If you wish, you may file the sponsorship request along with the application. Once all licensing requirements have been satisfied, TREC will send an active salesperson license to the broker, and you may act for the broker on receipt of the license. You may also file the application and arrange for sponsorship after TREC notifies you that you have been issued an inactive license. Once a broker holding an active license has mailed a request to TREC to act as your sponsor, you may begin to act for the broker as a salesperson. The time involved in processing an application depends on work volume. Inquiry as to thestatus of an application delays processing work. Inquiry should not be made unless there isreason to believe that information submitted to the Commission has not been received. An incomplete application will not be returned for completion. A letter will be mailed requesting the incomplete information. The examination must be passed within six months from the date the application is filed with the commission office. You are not authorized to perform any act for which a real estate license is required until an ACTIVE Texas Real Estate Commission license is in the possession of your sponsoring broker. Submit Documents And Applications On Plain Paper. Do Not Send "Thermal" Type Paper. Page last modified: 11/21/2005 Site Map Privacy & Security Policy Open Records Accessibility Texas Online Statewide Search TX Homeland Security

Denver Real Estate Site

Denver real estate; How to Qualify for a Mortgage How to qualify for a mortgage in Denver Down payment for a mortgage Learn about the various allowable sources to obtain your down payment. Closing Costs Home buying costs vary by region, here are sample costs for Denver. Loan Approval What constitutes as loan approval in Denver? Interest Rates Lock in your rate with confidence, after you have read these facts. What is PMI? PMI, do you really need it? The Mortgage Loan Application Mortgage loan applications made simple, bring this list. The steps to getting a VA Loan The steps to getting a VA loan, do you need one? What does it take to get one? Reverse Mortgages Reverse Mortgages have many benefits for older home owners. Financial Glossary It's important to understand the language of finance. Common Mistakes to Avoid Common home buying mistakes can be avoided, you need to know what some of them are. search Denver Real Estate Site How to qualify for a mortgage A brief summary on how to get a home loan When a mortgage lender takes your application they are checking your ability and willingness to repay. It is said that "history repeats itself". Lenders look at your history to predict the future. This process can go as quickly as 24 hours or take several weeks. This is done by checking the following items: Your credit history (the past 2 years) Your checking account (bounced checks are not good) Your income Your FICO score (on conventional loans) Almost everyone who has some sort of credit, some money set aside for a down payment and an income can get a loan. Now whether or not you want that loan may be a different story. Mortgage rates are proportional to the amount of risk the lender must take. If the credit history is bad, the risk will be off set by a higher interest rate. The best way to qualify for a mortgage that you want is to have a nice clean credit report, little debt and pay all your bills on time, every time. Excessive consumer debt as in multiple credit cards lowers your FICO score . A hint to avoid this happening is to consolidate your debt on one charge card. Even if you have excellent credit it is a good idea to pull a credit report on yourself, prior to visiting the lender. In Colorado you are allowed to do this free of charge once a year. (If you aren't in Colorado or any of the "free" states, then you can pay a small fee to obtain a copy of your credit report.) There are more than one credit reporting companies and not all companies report to all credit bureaus, so be sure to request a credit report from all, just to be sure. Here is how to contact the credit reporting agencies: Equifax Equifax Information Service Center P.O. Box 740241 Atlanta, GA 30374-0241 1-800-997-2493 You can also order your credit report from a secure section of the Equifax website at http://www.equifax.com Experian Experian National Consumer Assistance Center P,O, Box 2104 Allen, TX 75013-2104 1-888-397-3742 You can print a credit report order from at http://www.experian.com Trans Union Corporation, Consumer Disclosure Center P,.O. Box 390 Springfield, PA 19064-0390 1-800-888-4213 You can order a credit report online from Trans Union's website at http://www.transunion.com Be Pro-active... By reviewing your credit report prior to visiting a lender, you will be able to straighten out any errors or disputed items and avoid any troublesome holdups down the road. If you see a disputed item, an error made by a faulty social security number, a name similar to yours, or a court ordered judgment you paid off that hasn't been cleared from the public records, clear it off now. By writing to the credit reporting agency, you can have them remove the items and save you time and aggravation later. TIP: Make sure any outdated derogatory entries are deleted from your credit file. By outdated, anything over 7 years should be deleted (except bankruptcy which is 10 years). TIP: Officially cancel inactive credit cards Even if you don't use a credit card, some lenders will assume that credit limit is available to you and use it in qualifying you. Therefore, if you don't use it and don't need it, cancel it. Too many credit cards even with no balance can keep you from getting a loan. TIP: Hold off on making any major purchases until after you close on the loan. Many times people obtain a loan commitment then go out and charge a new car or a houseful of furniture, only to totally destroy the ratios on their loan commitment. If you find you need assistance with any of these strategies, it's OK to sit down and talk with a lender. Explain your situation and what you are trying to do. A good lender will help you structure your finances, credit report and budget, keeping your best interest in mind. Continue to How Much of a Down Payment? . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs 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

Las Vegas Real Estate

AOL City Guide: Restaurants, Events, Entertainment, Concerts, Tickets, Movies, Hotels & Weather - Make It Your Town (SM) Coast to coast, AOL CityGuide covers your city's essentials, like New York restaurants , Las Vegas hotels , Chicago real estate , Miami weather , Los Angeles bars , San Francisco theaters and much more. Find your city below. Popular Cities: Atlanta Baltimore Boston Charlotte Chicago Cincinnati Cleveland Columbus, OH Dallas - Fort Worth Denver Detroit Houston Indianapolis Kansas City Las Vegas Long Island Los Angeles Miami - South Florida Milwaukee New Orleans New York North Jersey Orange County Orlando Philadelphia Phoenix Pittsburgh Portland, OR Raleigh - Durham San Antonio San Diego San Francisco Seattle St. Louis Tampa Bay Twin Cities Washington, DC See More Cities: Choose by state Explore Your Region: Northeast / Mid-Atlantic , Midwest , South , West Popular Categories: Restaurants , Bars & Nightlife , Music & Concerts , Movies , City's Best , Hotels , Tickets , Real Estate , Shopping , Weather , Personals , Yellow Pages , Your Top Clicks Eat, Drink Vote: City's Best 2006 The nominees are in for this year's City's Best poll. Vote for your favorite spots around town: bars, restaurants, dance clubs and much more. Support your city favorites now. Holidays Here We've got you covered with a seasonal event guide, local lighting displays, shows, tours and 15 must-do activities. Check out our Holiday guide. Entertainment, Shopping, People & More Enter a ZIP code or city and state name. Ex. 90210 or Beverly Hills, CA Click here to choose from a list of states Bars, Music & Nightlife | Restaurants & Dining Guide | Movies | Tickets People & Personals | Real Estate | Visitor's Guide | Shop & Find | Yellow Pages | Government Guide About Us | Advertise With Us | Help & Feedback | Updated Privacy Policy | Terms of Use | Trademarks | Site Map AOL Music | Moviefone | AOL Games | AOL TV | Black Voices | Shopping AOL CityGuide has a finger on the pulse of this city, and cities around the nation: from New York restaurants to Las Vegas entertainment, Chicago real estate, Washington hotels, Florida weather, San Francisco theaters, Boston markets and Los Angeles nightlife. You'll find the best local restaurants, hotels, entertainment, movies, concert tickets, events, weather, bars, nightlife, personals and so much more. We're the better way to search your city. © 2005 America Online, Inc. All Rights Reserved.