real estate prices declining

Inman Real Estate News - Real estate prices to slow in 2006 Wells Fargo economists say housing demand will soften Real+estate+prices+to+slow+in+2006 Wells+Fargo+economists+say+housing+demand+will+soften %3ca+href%3d'http%3a%2f%2fwww.inman.com'+target%3d'_blank'%3eInman+News%3c%2fa%3e 2005-12-19T00%3a00%3a00.0000000-08%3a00 49268 HOME | NEWS | JOIN | PRODUCTS | CONFERENCES | ADVERTISE | ADVICE | ABOUT US | CONTACT US | SUBMIT A TIP Member Resources Members Home Search Inman News Content Warehouse Cartoon Database Weekly Newsletter Special Reports Audio Files Inman Blog Feedback Connect Registration Audio Conference LETTERS TO THE EDITOR There's no denying real estate bubble Re: ' Worst-case scenario for housing next year ' (Dec. 28) Dear Editor: I have been a real estate investor since I was 19. I am now 54. To deny a real estate bubble is to ignore the obvious market fundamentals. Obviously, there are different factors in different markets, but as a longtime investor/Realtor/broker there is no logical argument against real estate prices declining 10 percent to 30 percent in the "hot markets." The South Florida condo market will be a blood bath. The median income cannot buy the median house in most markets; interest rates will continue creeping up; speculators have driven prices to insane levels and when the going gets rough they will walk from a lot of residential properties. Most "hot" areas are becoming alarmingly overbuilt with residential inventories rising; lenders have ticking time bombs in their ARMs, negative equity and interest-only mortgages. Do your homework. Be wary of those whose opinions are tainted by the fact that they or their company have a stake in this insane market continuing. Michael H. Mosieur Mosieur Business Brokers Re: ' America closes doors to architectural expression ' (Dec. 26) Dear Editor: This is one of the most insightful articles I've read in a long time. We might add, "And what are we doing to our children as we worship at the altar of the mundane?" Years ago I read that about 1,000 children were tested for creativity just prior to entering kindergarten. Eighty-five percent of the children tested "creative." Twelve years later the same group was tested, and only 35 percent of the students tested "creative." What happened to the children along the scholastic way, and does the country even care? Where's the outcry? Isn't the creativity of our generations one of our most precious resources? It's been said that we're only one generation away from losing our freedom. Could it be that with escalating offshore competition in view, and stultifying U.S. scholastic models utilized, that the above advisory could also apply to our economic freedom? A. Bruce Belfield III Associate real estate broker Hurricane, W.V. FREE website content! Make Inman.com your homepage Get the Inman News Toolbar Link to Inman News Consumer News Commercial News Real Estate Articles from Inman News Already a Member? Log in below to view full story: User ID: Password: Lost Password? Real estate prices to slow in 2006 Wells Fargo economists say housing demand will soften Monday, December 19, 2005 Inman News To read this article, become a Member of Inman News now! JOIN NOW TO BECOME AN INMAN MEMBER 100% Satisfaction Guaranteed Group discounts available First Name: Last Name: E-mail: User Name: Call 1.800.775.4662 x128 8am - 5pm Pacific Time to order by phone or to get a discount group membership for your company or colleagues. View News Article Sample Hear Sample View Newsletter Sample Connect Info View Audio Conference Schedule Back Top © 2005 Inman News Home | Privacy | Editorial | Legal | Site Map

Real Estate Brokerage Relationships:

DOL - Real Estate Brokers License Real Estate Brokers License Requirements of Licensure: 18 years of age or older. High school diploma or equivalent. Minimum of two years of full-time experience as asalesperson in Washington or in another jurisdiction having comparablerequirements. 120 clock hours of instruction in real estate including: --30 clock hours real estate law, --30 clock hours brokerage management, --30 clock hours business management, and a --30 clock hour approved elective course. Successful passage of examination. Application for license. Please note: The experience and clock hours must be completed within five years prior to application for examination. Fees: Examination Fee ------ $138.25 Original License Fee - $210.00 Renewal Fee (2 yr.) ----$210.00 Continuing Education Requirement: 30 clock hours for renewal every two years including the core curriculum. A list of approved real estate courses are available in the real estate course catalog Forms: You can download the forms listed below to your own desktop or work-station. Application for Real EstateSalesperson/Associate Broker/Branch Manager Application for Real EstateIndividual Broker License (Sole Proprietorship) Application for Limited LiabilityCompany or Limited Liability Partnership Application for Real EstatePartnership License Application for Real EstateCorporation License Application for Real EstateBranch Office Licensure Application for Broker AddressChange/Branch Office Address Change BrokerClosing Office Affidavit WaiverProcedures for Broker Examination Applicants Using AlternateExperience/Qualifications Real Estate Examination, Licensing and Renewal Section: Business Location: Department of Licensing Real Estate Licensing Section 2000 4th Avenue West Olympia, WA Mailing Address: Department of Licensing Real Estate Licensing Section PO Box 9015 Olympia, WA 98507-9015 Telephone Number: (360) 664-6500 or (360) 664-6488 Fax Number: (360) 586-0998 Office Hours: 8 A.M. to 5 P.M. Pacific time, Monday through Friday. Return to Real Estate front page. Real Estate MainPage Washington Real EstateCommission ProfessionalLicensing Internet Query Fees FAQs Salespersons License Appraisers MainPage Washington Real EstateLicensing Law: RCW18.85 Real Estate Brokerage Relationships: RCW18.86 WAC308-124 General Provisions WAC308-124A Licensing & Exams WAC308-124B Brokers Office WAC308-124C Records WAC308-124D Operational Procedures WAC308-124E Trust Accounts WAC308-124H Education Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 586-0998 Office Hours: 8:00 a.m. to 5:00 p.m. Fees Accepted: 8:30 a.m. to 4:30 p.m. Pacific Time Monday through Friday Write: Department of Licensing Real Estate Program PO Box 9015 Olympia, WA 98507-9015 Business Location: 2000 4th Avenue West, Olympia, WA 98502 E-Mail: RealEstate@dol.wa.gov

Home Mortgage Insurance Home

Federal Trade Commission -- Search: Facts for Consumers PDF Version Looking for the Best Mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain Information from Several Lenders Home loans are available from several types of lenders— thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you're getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers' advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees. A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate , or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain All Important Cost Information Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. Ask whether the rate is fixed or adjustable . Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. Ask about the loan's annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. Check your local newspaper for information about rates and points currently being offered. Ask for points to be quoted to you as a dollar amount—rather than just as the number of points—so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees , broker fees, and transaction , settlement, and closing costs . Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates. Ask what each fee includes. Several items may be lumped into one fee. Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet in this brochure. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans . If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. Ask about the lender's requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Ask your lender about special programs it may offer. If PMI is required for your loan, Ask what the total cost of the insurance will be. Ask how much your monthly payment will be when including the PMI premium. Ask how long you will be required to carry PMI. Obtain the Best Deal That You Can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage . When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You'll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There's no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you'll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. The Mortgage Shopping Worksheet that follows may also help you. Take it with you when you speak to each lender or broker and write down the information you obtain. Don't be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal. Fair Lending Is Required by Law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant's income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems? Still Shop, Compare, and Negotiate Don't assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don't assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it's a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: (800) 685-1111 TransUnion: (800) 916-8800 Experian: (888) EXPERIAN (397-3742) Glossary Adjustable-rate loans , also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly know as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys' fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. This brochure was prepared by the following agencies: Department of Housing and Urban Development Department of Justice Department of the Treasury Federal Deposit Insurance Corporation Federal Housing Finance Board Federal Reserve Board Federal Trade Commission National Credit Union Administration Office of Federal Housing Enterprise Oversight Office of the Comptroller of the Currency Office of Thrift Supervision These agencies (except the Department of the Treasury) enforce compliance with laws that prohibit discrimination in lending. If you feel that you have been discriminated against in the home financing process, you may want to contact one of the agencies listed above about your rights under these laws. For more information on home lending issues , visit www.consumer.gov , write to the Consumer Information Center, Pueblo, CO 81009 or visit the Center's Web site . The following brochures are available from the center: A Consumer's Guide to Mortgage Lock-lns A Consumer's Guide to Mortgage Refinancing Buying Your Home: Settlement Costs and Helpful Information Consumer Handbook on Adjustable Rate Mortgages Guide to Single Family Home Mortgage Insurance Home Buyer's Vocabulary Home Mortgages: Understanding the Process and Your Rights to Fair Lending How to Buy a Home with a Low Down Payment How to Dispute Credit Report Errors The HUD Home Buying Guide When Your Home Is on the Line Mortgage Shopping Worksheet Lender 1 Lender 2 Name of Lender Name of Contact Date of Contact Mortgage Amount Basic Information on the Loans Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Type of Mortgage: Fixed rate, adjustable rate, conventional, FHA, other? If adjustable, see below. Minimum down payment required Loan term (length of loan) Contract interest rate Annual percentage rate (APR) Points (may be called loan discount points) Monthly Private Mortgage Insurance (PMI) premiums How long must you keep PMI? Estimated monthly escrow for taxes and hazard insurance Estimated monthly payment (Principal, Interest, Taxes, Insurance, PMI) Fees Different institutions may have different names for some fees and may charge different fees. We have listed some typical fees you may see on loan documents. Application fee or Loan processing fee Origination fee or Underwriting fee Lender fee or Funding fee Appraisal fee Attorney fees Document preparation and recording fees Broker fees (may be quoted as points, origination fees, or interest rate add-on) Credit report fee Other fees Other Costs at Closing/Settlement Title search/Title Insurance For lender For you Estimate prepaid amounts for interest, taxes, hazard insurance, payments to escrow State and local taxes, stamp taxes, transfer taxes Flood determination Prepaid Private Mortgage Insurance (PMI) Surveys and home inspections Total Fees and Other Closing/Settlement Cost Estimates Mortgage Shopping Worksheet - continued Lender 1 Lender 2 Name of Lender Other Questions and Considerations about the Loan Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Are any of the fees or costs waivable? Prepayment penalties Is there a prepayment penalty? If so, how much is it? How long does the penalty period last? (for example, 3 years? 5 years?) Are extra principal payments allowed? Lock-ins Is the lock-in agreement in writing? Is there a fee to lock-in? When does the lock-in occur -0 at application, approval or another time? How long will the lock-in last? If the rate drops before closing, can you lock-in at a lower rate? If the loan is an adjustable rate mortgage: What is the initial rate? What is the maximum the rate could be next year? What are the rate and payment caps each year and over the life of the loan? What is the frequency of rate change and of any changes to the monthly payment? What is the index that the lender will use? What margin will the lender add to the index? Credit life insurance Does the monthly amount quoted to you include a charge for credit life insurance? If so, does the lender required credit life insurance as a condition of the loan? How much does the credit life insurance cost? How much lower would your monthly payment be without the credit life insurance? If the lender does not require credit life insurance, and you still want to buy it, what rates can you get from other insurance providers? 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. January 1999

Foreclosure Property

Department of Revenue: Property Tax Real Property Foreclosure Text-Only Site State Directory Agencies A-Z Accessibility Advanced Help -- Department of Revenue: Property Tax Search About Us Contact Us Forms Publications Appeals Appraiser Registration Cartography/Maps Exemption Grapevine Industrial Property Local Budget Personal Property Property Tax Deferral Statistics Timber Utility Property Real Property Foreclosure Foreclosure is a legal proceeding by which the county enforces payment of real property taxes. The county acquires legal title to a property if the taxes aren’t paid by a certain date. In Oregon, real property is normally subject to foreclosure three years after the taxes become delinquent. When are taxes delinquent? Property taxes can be paid in full by November 15 or in three installments: November 15, February 15, and May 15. If the taxes are not paid in full by May 16 they are delinquent. May 16 of the following year they are one year delinquent; May 16 of the next year they are two years delinquent; May 16 of the year after they are three years delinquent. The property is subject to foreclosure when the taxes are three years delinquent. Delinquency notices You will receive notices to tell you about the foreclosure process. The tax statement you receive each year shows delinquent taxes and the current year’s taxes. Also on the statement is the delinquent year that causes the property to be subject to foreclosure. If the tax on your property is unpaid after May 15 of any year, you will get a delinquency notice telling you the date after which foreclosure proceedings will begin. Counties must send another delinquency notice by both regular and certified mail before the foreclosure list is published in the newspaper. Foreclosure procedures The following is a brief description of the steps involved in the foreclosure process. Action taken by county A list of all properties subject to foreclosure is prepared in July of each year for accounts with property taxes three years delinquent. Lienholders may ask to be notified if a certain property is subject to foreclosure. One month after the foreclosure list is prepared, the district attorney applies for a judgment and decree through the circuit court. The foreclosure list is published the same day. Notice of the foreclosure is run in a newspaper of general circulation in the county. Notice of foreclosure may be made by personal service. A judgment and decree is secured from the circuit court not less than 30 days after the application for judgment and decree. After that, you have two years to redeem property. Only the following can redeem property: (l) a person with an interest in the property at the date of judgment and decree, (2) an heir or devisee of a person with an interest in the property, (3) a holder of a lien of record on the property, such as a mortgage company, and (4) a municipal corporation with a lien on the property, such as a city or sewer district. All persons with a legally recorded interest in the property are notified by both regular and certified mail that the period of redemption will end. The tax collector is responsible for providing this notice. The notification is to be made not less than one year before the expiration of the redemption period. A “Notice of Expiration of Redemption Period” is published in two weekly issues of a newspaper. This occurs not more than 30 days nor less than 10 days before the expiration of the redemption period. The tax collector deeds the property to the county at the end of the redemption period. All taxes are canceled and the property is removed from the tax roll. Within certain limits, the county is free to sell the property to the former owner at a private sale. Taxpayer's course of action Your property can be removed from the foreclosure list before publication if you pay the full tax and interest for the year(s) causing foreclosure. Interest is 1-1/3 percent per month. After the foreclosure list is given to the newspaper for publication, you can remove your property from the foreclosure list by paying the full tax and interest for the year(s) causing foreclosure and a penalty of 5 percent of the total tax and interest owed on the property. If you believe the property should not be included in the foreclosure process, you must file your reasons with the court within 30 days after the publication. Once judgment and decree is granted by the circuit court the two-year redemption period commences. To get your property back during this period, you must pay all taxes and interest for all years shown on the judgment and decree, the 5 percent penalty, interest on the judgment, plus a $50 redemption fee. Once the county sends the certified notice that the redemption period will end in one year this fee may increase. The county will do a title search on the property before it sends the certified notice. If it costs the county more than $50 to have a title search done on the property, you must pay the actual cost. Interest on the total amount of judgment and decree is 9 percent per year. You keep title to your property up to the time the tax collector deeds the property to the county. If you damage or destroy the property in any way during the period of redemption, you lose your rights to own the property. You have lost all rights to the property after the tax collector deeds the property to the county. You may ask the county court or board of county commissioners to sell the property at a private sale. The board may do so, but does not have to. Questions? Telephone: Salem 503-945-8293 Toll-free within Oregon 1-800-356-4222 TTY (hearing or speech impaired; machine only): 503-945-8617 (Salem) or 1-800-886-7204 (toll-free within Oregon). Americans with Disabilities Act (ADA): This information is available in alternative formats. Call 503-378-4988 (Salem) or 1-800-356-4222 (toll-free within Oregon). Asistencia en español. Llame al 503-945-8618 en Salem. 150-310-671 (Rev. 8-02) Text Only | State Directory | Agencies A-Z | About Oregon.gov | Site Map | File Formats | OAR | ORS | Privacy Policy | Web Site Feedback

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Homes on Sale - Browse - property for sale by owner Sell Car | Insurance | mortgage | credit cards | loans | England (3219) Scotland (422) Wales (294) Ireland (244) Europe (7560) USA (823) Canada (265) Africa (392) Asia (1150) Caribbean (91) Middle East (450) Oceania (143) All England Scotland Wales Ireland Europe USA Canada Africa Asia Caribbean Middle East Oceania Any words All words Exact Phrase Advanced Search Search By AD # Samui Island Luxury House + Red teak wood furniture no fee & Tax, !!Spacial price!! 1. 200 yards from beach. 2. 39K - 3/4 Bed. Sea Captains House 3. bargain house near greek and turkish border ,spa resort ,lakes 4. Jumeirah Islands, Dubai 5. Disney Orlando 5 minutes 6. Dalmatian old stone house/TRGOSTAN 7. Samui Island Luxury House + Red teak wood furniture no fee & Tax, !!Spacial price!! 8. 1 Bedroom and Studios in Dubai International City 38k+ Freehold (Dubai Property) 9. Attractive house near Greek border 10. FREEHOLD PROPERTY DUBAI MARINA Online Now Welcome, guest ! We have 3 members and 385 guests online. Home : there are (15073) homes for sale by owner! Sell your house online today! It is free to advertise this month normally £25 now £0.00 until sold ... hurry offer lasts only until January 2006! [ register now ] Sell your house FAST! Buy a " For Sale " board England (3221) English property for sale, rent, PX ... Scotland (422) Scottish property for sale, rent, PX ... Wales (295) Properties on sale in Wales Ireland (244) Properties on sale in Ireland Europe (7568) Properties on sale in Europe USA (826) Properties on sale in the USA Canada (270) Properties for sale in Canada Africa (393) Properties on sale in Africa Asia (1150) Properties on sale in Asia Caribbean (91) Buy and sell property in the Caribbean Middle East (450) Properties on sale in the Middle East Oceania (143) Properties on sale in Australia, New Zealand, Fiij Featured homes - being sold by owner 4 Bedroom Detached Property LLANELLI, 4 bed, Price 249500 BRAND NEW GROUND FLOOR APARTMENT Duquesa, Nr Estepona, 2 bed, Price Euros185000 villa in Marbella REDUCED marbella, 3 bed, Price euros675000 Detached house for sale in Pumula, Bulawayo Bulawayo, 1 bed, Price 5000 Recently Reduced House For Sale Crewe, 4 bed, Price GBP249950 detached Bungalow FOR SALE leverington near Wisbech, 2 bed, Price 140000 Semi-Detached house for sale in Sitges - Spain Sitges, 3 bed, Price 600000 Luxury Villa In Warsaw, Poland (European Union) Warsaw, 4 bed, Price EUR3900000 Brittany Modern Detached House in pretty village. Langourla Dept.22, 4 bed, Price euro190000 Polruan/Fowey with harbour views Polruan/Fowey, 2 bed, Price 315000 Impressive timber-framed family home Hoxne, 3 bed, Price 440000 Canadian Style Lodge, Ranch/Farm , Riding Hall, Large Family Farmhouse, barns, Large Hay Barn , 1.8 hectares of Land. Lohnsburg, 6 bed, Price euro550000 Latest 10 Property Ads Photo Title Beds, City Price Posted Country Residence 5, Bulawayo US$ 0 29, Dec 2005 Large 5 Bedroom Terrace 5, Liverpool 195000 29, Dec 2005 6 Bedroom Art Deco Flat 6, Saltdean 365000 29, Dec 2005 France , Corse : House with a swimming pool near sea NOW 420000 5, France, bastia 390000 29, Dec 2005 Established Gite Complex For Sale 10, Pouligny Notre Dame 425000 29, Dec 2005 HOUSE IN COSTA DAURADA 3, TORREDEMBARRA ( LA POBLA DE MONTORNS) 228385 29, Dec 2005 Equestrian Property on 20.000 square meters 3, Susteren EUR 1135000 29, Dec 2005 Near BISCAROSSE St Julien en Borne 1, St Julien en Borne Euro 125000 29, Dec 2005 Detached 4 bedroom villa 4, Kusadasi 49500 29, Dec 2005 100 4, lake hopatcong /nj emty 425000 29, Dec 2005 Featured Ad's Home LOAN Conveyancing Home Insurance Credit Cards For Sale Board Compare Mortgages Mortgage calculator Property Books Finance Check? Guides Savings Calculator Estate Agents Spin Selling your own home Adding a photo Standard Loans Loan APR Northern Rock Loan 5.6% Liverpool Victoria Loan 5.8% cahoot fixed rate loan 5.8% Amberloan 6.2% Home | Place Ad | Browse | Terms | Privacy | Top Sites | Sitemap | Forum | Links | Services | Contact us ©2005 Homes On Sale