land loan? Typically, it

How We Work: Frequently Asked Questions Overview Agros Development Process Organizational Foundations Where We Work Our Impact People and Progress Sustainability FAQs Overview Organizational Profile Vision and Mission History and Future News Room Board of Directors Careers Contact Us Overview Give Online How to Get Involved Volunteer Overview Service Team Experiences Donor Stories Noemí Fund Central America in Transition Recommended Reading Frequently Asked Questions Background Information Why is land ownership important to the rural poor? Land is a precious asset around the world. It is a primary source of income, security and stability. Families who have the opportunity to own their own parcel of land can farm it to ensure a stable income for their families and preserve it for their children. They will invest in their land, improving the soil while conserving the environment. Through land ownership, rural poor families acquire a viable way of supporting themselves and overcoming their poverty while simultaneously creating a sustainable community. However, for most rural poor families owning land is an unattainable dream. They don't have access to the cash or credit they need to buy land. Their inability to purchase land guarantees many poor people in third-world countries a life of desperate poverty, working for low wages as farmhands or migrant laborers. Rural poor families become trapped in a cycle of poverty. They are left unable to purchase their own land, paying exorbitant rents for basic survival on poor quality land, and working for desperately low wages as farmhands and migrant laborers. Agros helps families in Central America purchase their own land. In doing so, we help rural poor families create viable, healthy, and sustainable communities today, and for generations to come. How Agros Helps Does Agros give families free land, or do they work to purchase their own land? Agros offers rural poor families a hand-up, not a handout. We help families purchase land through low-interest loans. Loan payments fund the purchase of land for new Agros communities. Agros owns the land and provides each family in the new community with a promissory note. The land title is held by Agros until each family repays the cost of their parcel of land. How long does it typically take families to pay off their land loan? Typically, it takes a family seven to 10 years to pay for their land. Once the loan is repaid, the land title is written in the name of both husband and wife, or the name of the one parent in a single parent family. There is a two-year grace period is allowed. The title is then passed on to the family in a land title transfer ceremony. This is an important and joyous event in the community. Is the land legally available? Establishing a legally secure title to the land is an important element of Agros' work. Before land is even considered for purchase, it must be legally available and clear of competing claims. This contributes to the long-range security of the families. What happens if a family can't pay? Occasionally, a family is unable or unwilling to repay the cost of the land. In such cases, the community leadership committee will work within existing community bi-laws to resolve the issue. The Agros Approach How is the Agros approach unique? Agros' approach of working with the rural poor in long-term asset building makes its work unique. With the exception of some government efforts at land distribution, there are few organizations that have been willing to provide long-term land loans to the poor. Agros is also unique in its approach of avoiding dependency and paternalism in its relationship with participants. By working with each community to develop local leadership, governing bodies, and decision-making processes, individuals gain self-esteem and confidence in their own ability to make sound decisions about their future. This is "breaking free from the cycle of poverty" in the most profound way. Agros has discovered that lending to the poor can be a viable credit risk. A small loan can provide a poor family with just enough capital to help them break free from poverty. Families who understand that they will become self-sufficient owners of their own land at the end of their repayment period have great incentive to fulfill their loan obligations. In addition, by focusing its projects on specific geographical areas, Agros is able to maximize the efficiency of its work in rural areas and generate more possibilities for further economic development and impact. What is an Agros Village? An Agros village is a community comprised of a group of selected families (between 25 and 75) in need who are striving together to make a better future for themselves and their children. Each family is lent a parcel of land, materials to build a house and access to an integrated irrigation system. Through additional small business loans, education and accountability, economic sustainability is the goal to enable them to effectively repay the cost of their loans. Each village has community governance with elected positions that decide the goals and priorities based on input from other villagers. Villages have co-ops, community banks and other economically based programs all based on sustainability. How do new projects get started? First, a group of families interested in becoming an Agros village approaches Agros staff in Central America to nominate a village. Agros must then determine the village's degree of need and prioritize accordingly. We have a fixed number of communities that we can start each year according to funding. The Agros offices in each country work with the Seattle office to determine this number. Since the need for land is always greater than the financial resources available to start new communities, tough decisions have to be made. If resources are available to start a new community, Agros field staff will begin to work with potential villagers. Agros field staff work with the community leaders to learn about parcels available for sale, discuss sale price, and to develop negotiating strategies. Field staff survey the land, assess its quality, and determine land titles and water availability. If everything meets our standards and funds are available for land purchase, field staff give community leaders the go-ahead to begin negotiations. Land purchases are typically timed around the agricultural calendar. A parcel will be purchased in time to prepare the land for the first harvest. Simultaneously, Agros field staff get to know the members of the community, while community members learn about Agros' work. Typically, the most important issue for communities to understand is that Agros provides loans and assistance to help farming families build assets, but that we do not provide charity and free handouts. During the initial development phase, Agros provides services such as agricultural credit and training to create a relationship with the group. At this time the community is introduced to Agros and Agros observes the community's ability to cooperate and sees whether it responds well to the challenges of the Agros model. If community members agree to Agros' repayment policy, and if Agros believes there is a good fit, field staff will typically start with a small project, such as providing small 6-month loans for seeds and agricultural supplies. There is always a tremendous need for short-term credit in rural areas. These small projects provide a perfect testing ground for community members to experience the assistance Agros provides, while Agros field staff learn which community members are bona fide farmers who have a willingness to repay their loans and a desire to work hard to overcome their poverty. During this process, entire communities may choose not to continue to work with Agros, or larger groups of participating families may be whittled down to smaller groups. Typically this is due to Agros' repayment policy, which families may not take seriously until their small loan comes due. At this stage, Agros field staff may choose to go through another 6-month loan cycle with a community. This phase may also include agricultural training to help farming families learn appropriate techniques that will increase crop yields, or other training related to health and nutrition, depending on the needs of the community. Building Long-Term Change How does Agros's approach address long-term poverty issues such as rural-urban migration, education, and health? In our experience, land ownership brings tremendous change in the lives of the rural poor. This change cannot help but positively affect large, long-term poverty issues in the following ways: Improved land quality With the prospect of land ownership, families invest in the quality of their soil and new agricultural techniques which boost crop production, stimulate rural economies and bring greater prosperity to rural areas. Through Agros's agricultural training and support for income-generating activities, families can build lasting economic security for themselves and their children. Improved quality of life As income security is established, the quality of life increases and the potential for social unrest and civil conflict is reduced. Agros supports the unfolding of this "virtuous circle" through the elements of its model. By helping poor families purchase land, the development cycle begins. A stronger community Agros's training in leadership and community organization helps develop local leaders who can work together to resolve community problems and plan for an improved future using foresight gained through prior experiences. Improved health A diversified diet leads to better nutrition and better health. As a result, infant death and malnutrition are reduced, providing an incentive to have smaller families. Better educational opportunities Greater economic stability allows parents to part with child labor and enroll their children in school. Agros also helps communities in projects such as school building. Reduced rural-urban migration As economic prospects and quality of life improve, rural families have no reason to migrate. This leads to greater stability and prosperity as urban areas are not flooded with rural migrants looking for a better life. How does Agros's model affect the problem of illegal immigration into the United States? There are many reasons why immigrants leave the rural countryside and come to the United States. Among them are the conditions of extreme poverty in which people live and the lack of opportunities that enable families to overcome their poverty. Many of the people coming to the U.S. illegally are "economic migrants" - people who come in search of work. Poverty conditions and lack of work opportunities at home mean that these economic migrants are willing to leave their families, risk their lives, and find work in some of the least desirable conditions - often as menial laborers and minimum wage workers. Steady work is better than no work, and minimum wage in the U.S. is often more than they can earn in an entire day in their native country. Throughout Central America, political and economic conditions are such that no matter how hard people work, 60 percent are earning less than $1 per day and 40 percent are living below the poverty line. Unemployment and underemployment are rampant in the rural areas. There are simply not enough jobs to go around and no hope that circumstances will change any time soon. By helping rural families purchase land and build thriving communities, Agros provides an alternative for people who believe their only option is to migrate into the city or into another country, such as the U.S. Agros enables families to stay together and to generate income within their own countries and communities. Agros helps families create a livelihood for themselves that can be passed on to their children. As conditions improve, the motivation for becoming an economic migrant disappears. Families stay together, communities are strengthened, and lives are transformed. How do Agros projects help women? Women in developing countries and across Central America face grave challenges. As the primary caretakers of families and children, they are on the front lines of hunger, malnutrition and death in their families. Agros' programs cannot be successful or have a lasting impact if the health of women is in jeopardy. Many women in rural Central America: Lack access to prenatal care and are isolated from modern health facilities Get married as adolescents, start families at a young age, and don't know how to plan the size of their families Have a difficult time keeping their children healthy and well-nourished because they don't know how, or don't have the resources to prepare a well-balanced meal and lack knowledge of basic sanitation Are of poor health themselves because they sacrifice food and other resources for their children and are continuously breast feeding due to multiple consecutive births Agros' programs address the needs of women and children by creating a positive cycle of change. We help women achieve: Education : For young girls who would otherwise marry young and start families when they are little older than children themselves, Agros provides opportunities for them to go to school. Educated girls tend to marry later and their children tend to be healthier. Literacy training : Agros offers literacy training to adults, giving both men and women who were not able to go to school the opportunity to learn how to read and write. Financial independence : Agros trains women to manage a savings account and family finances because women tend to invest in their families. Business expertise : Through microenterprise development, Agros teaches women skills they can use to start their own businesses. Agros also teaches women (and their children) how to raise small animals close to home to generate income. Family planning and health care : Many women have had more than 5 children and have never received a gynecological exam or had access to prenatal care. Through the women's health initiative: Women learn about their bodies in a way that promotes self-esteem. Women with greater self-esteem become active in community organization. They get involved in village decision-making and develop leadership skills. Women receive regular physical exams, many for the first time in their lives. Agros works within the local culture to provide education about birth spacing and birth control so that women and their husbands can make informed decisions about family planning. People talk a lot about the importance of "sustainable development." How are Agros' methods sustainable? Sustainable development is an important element of Agros' work. Agros works to create sustainability in three primary areas: in the environment, in family economics, and in community organizations. Environmental sustainability begins by providing families with land. People take better care of and are more concerned about a resource over which they have ownership. Agros then provides training and technical assistance regarding the use and stewardship of this land. This includes the construction of composting latrines, improved wood burning stoves, and education on soil conservation, organic composting, and agro-forestry techniques. Economic sustainability begins with improved production of basic grains. When a family produces more food on less land, they become more confident in their ability to feed themselves. With food security established, they begin to try things they've never done before, for instance, growing foods that they can sell in the market and use to generate income. Once families begin to generate a stable income, they can begin to pay back their land loans. And once their loans have been repaid (typically within 10 years), they become self-sustaining owners of their own land. From this land, they are able to generate an on-going, stable income and provide an environment in which their children can thrive. Community sustainability is attained in two ways. First, we help give rural families the training to create a local community government that looks to the entire community for participation and decision-making. This becomes the backbone for civic responsibility and participation. It also becomes the primary way communities continue to thrive long after Agros has departed. The second way is through the Noemí Fund. What is the Noemí Fund? The Noemí Fund is a loan fund that provides the capital needed to buy land and develop village infrastructure, including the resources needed to administer and manage this fund. When a new community is started, the loan fund is used to match every dollar raised for the development costs of a new community, including field support and training. As communities begin to repay their loans, the payments are returned to the loan fund. As the loan fund is replenished, new communities can be started. What happens if Agros is not there? If Agros is not there to provide access to land ownership, opportunity and hope for a sustainable life is slowly choked out. Families will continue to face malnutrition. Lack of education will persist. Migration to urban centers will increase as the rural poor seek a viable life. As a result, dysfunctional structures will remain intact without being held accountable. Cities will become overcrowded and the families moving into them unable to find work or hope in their new location. Communities will become even more broken than before, and despair will overwhelm souls. Planning for the Future What are Agros's goals and plans for the future? Through 2006, our primary focus is to consolidate and strengthen existing projects in Guatemala, Honduras, El Salvador, Nicaragua, and Chiapas, Mexico. At the same time, Agros is ramping up organizational and financial capacity to ensure on-going growth past 2006. At the same time, the need for Agros's work is considerable in countries throughout the developing world. There are many opportunities beyond our current geographic focus that will be considered as part of a long-term expansion plan. We have received requests for assistance from communities in Brazil, India, Kenya, the Middle East, Romania and South Africa. Post-2006 expansion will be determined through a process of (1) documenting need amongst the rural poor; (2) engaging in prayer and discernment, (3) identifying local interest and leadership, (4) receiving an invitation to participate, and (5) raising the requisite funds. When these criteria are met, expansion into new geographies will be considered. Our Christian Commitment Is Agros a Christian organization? Agros is comprised of Christians who desire to follow the teachings of Jesus Christ by serving the rural poor regardless of their faith. We agree that spiritual transformation is key to holistic transformation. It is God who ultimately transforms the individual. Agros plays a role in encouraging the spiritual transformation of individuals in Agros communities. Faith plays a crucial role in the holistic development of the Agros communities. International development organizations worldwide recognize the overall importance of faith in development. The church is the community institution that will survive. It also provides the moral compass for the development of the community and its values for the present and future generations. How does religious faith impact the work you do in the field? We try to model and communicate biblical principles to assist in the transformation of lives. Our role in spiritual transformation is expressed by: Sharing and teaching biblical principles underlying our social and physical services: Land purchase and use Land ownership and repayment Work ethic and responsibility Community organization Leadership development Infrastructure development and maintenance Agriculture & enterprise training Health and education Agros personnel being prepared to respond to and answer the "Why" questions. Why is Agros doing this? Why are you doing this personally? Whom does Agros serve? Agros works with landless, rural families of all faiths who have demonstrated their agricultural vocation and a willingness to cooperate with Agros program goals and expectations. In most cases, Agros assists groups that have already been organized and who demonstrate a need and the values of community and concern for each other. We look for a history of working together and an understanding of the importance of hard work. We work with groups of people who have: Initiated a relationship with local Agros staff Committed to abide by the Agros program and principles Demonstrated active leadership that holds values consistent with those of Agros Shown characteristics that lead Agros staff to believe the group has a strong chance of succeeding as a community. In determining the potential for success of a community, one of the factors necessary is a group of believers in the local area (i.e. a church). We may work with groups that have no professing Christians. Our Funding How is Agros Funded? The funding for Agros comes from three primary resources: Individuals, churches and foundations. Individuals and churches support Agros in the following ways: General Giving Walk with a Family Special Projects and Appeals Journey with a Village Country offices also seek out resources from local and international organizations. There are in-kind donations such as trees, seeds and other supplies. Heifer Project International contributes support for training and small animal husbandry. Most recently the Noemí Fund was developed to provide capital needed to jumpstart development and match donations from other sources. This fund was started to make available rotating credit that is repaid, and to supply future capital. How You Can Help How can churches, community organizations, and businesses get involved with Agros? Agros welcomes opportunities to partner with churches, organizations and businesses through its "Journey with a Village" program. This program partners individuals, families, churches, foundations, businesses or community groups with rural landless families in developing countries where Agros works. The purpose of the partnership is to enable these families to purchase their own agricultural land, build a livelihood, restore self-dignity, and overcome poverty. As a JWAV partner, you have the opportunity to help change these families' lives forever by coming alongside them in a financial and relational commitment of up to 5 years. Our typical process is: Meet : Get to know you, introduce you to the work of Agros and explain the JWAV program. Match : Determine if your goals and the community's goals would benefit through partnership. Champion : Help you select a Village Champion to organize a committee and if desired, delegate responsibilities and provide prayer support. Visit : Put together a trip so that you and other potential supporters can meet the families involved in your new potential partnership. Partner : Formalize the partnership through a signed agreement and celebration with the community. How can I make a donation to Agros? Simply on click on Give Now to make and individual donation, or call us at 206-528-1066. Home | Give Now | How We Work | Inside Agros | Get Involved | Learn More | Contact © 2005 Agros International. 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real estate prices, using

2005-05-13 New rules to curb surging real estate price 2@webnews ,#house#housing#estate#, 0 Housing Price /enpproperty-- New rules to curb surging real estate price Home News Center China New rules to curb surging real estate price (Agencies) Updated: 2005-05-13 10:48 China is taking a wide range of steps to curb surging real estate prices, using tax and other policies to discourage speculative dealings and ensure a supply of affordable housing, state media announced Thursday. Residents in Nanjing, capital of East China's Jiangsu Province, walk past a newly-constructed apartment building May 10, 2005. [newsphoto] The campaign, backed by seven government agencies, shows that Beijing recognizes it needs to make cooling the housing market a nationwide priority, the official Xinhua News Agency reported. Despite the government's powerful vested interest in a thriving property market, authorities worry that too much investment is going into the construction of luxury and commercial real estate and that speculative buying has pushed prices unsustainably high. Newspapers carried a notice by the State Council, China's cabinet, ordering local governments to make controlling property prices a major part of their economic policy. Average real estate prices rose by 14.4 percent year-on-year in 2004 and by 12.5 percent in the first quarter of 2005. Shanghai had the "most shocking housing prices in China," with average costs per square meter of over 10,000 yuan ($1,200), the Xinhua report said. Many urban Chinese own their homes thanks to housing reforms years ago, but cannot afford to buy new property. And low income families are generally priced out of a market that has focused on wealthy investors while neglecting construction of budget housing. The latest effort to cool the market involve the ministries of construction, finance, and land and resources, along with the State Development and Reform Commission, the State Administration of Taxation, China Banking Regulatory Commission and the People's Bank of China, China's central bank. The policy change that drew most attention in property crazy Shanghai was one requiring payment of a business tax the rate was not given on sales of property less than two years after purchase. It takes effect June 1. Local governments were ordered to clarify prices and housing sizes before granting land use rights, to limit credit for property deals and to confine real estate developers' profits to a maximum of 3 percent. Developers who fail to build within a year after buying land will be penalized, and those that fail to build within two years after buying property would lose their rights to the land, Xinhua said. The measures follow earlier, piecemeal steps by local governments. Last month Shanghai enacted a rule requiring home owners to pay off their mortgages before selling property and extending the time buyers must wait before taking ownership to 28 days, from the previous seven. In March, it imposed a tax on sales of property owned for less than a year. The measures have definitely had an impact. In April, sales of "second hand," or previously occupied apartments in Shanghai fell between 30 percent and 50 percent, depending on the district, compared with the month before, according to industry statistics published Thursday in the newspaper Oriental Morning Post. Close Today's Top News Top China News Central banker denies yuan revaluation on May 18 New rules to curb surging real estate price Hu, Soong join hands for Straits peace Beijing offers Taiwan more conveniences China and Japan seek to smooth relations Pressure on yuan revaluation won't work Beijing offers Taiwan more conveniences Angels of the ward, toast of the world Illegal explosive trade targeted Probe shows colliery workmen ignored laws New regulation in Dalian beggars belief Congestion takes its toll on bridge Go to Another Section select hot link News Center China World Business Life Sports Most Popular Photo Gallery Story Tools Related Stories Efforts to control housing prices continue House prices to maintain robust growth Housing policies pre-empt speculators Policies failing to get a grip on housing speculation China's housing prices up 14.4% last year China's housing price hike reasonable? Housing prices surge in first 10 months News Talk It is time to prepare for Beijing - 2008 Find Suppliers Trade Leads Firm Directory Product Directory China Products Gold Suppliers Hot Products Hot Buys New Products Country Search Trade Shows Advertisement

Buy Property

Amazon.co.uk: The Complete Guide to Buying Property in Spain: Buying, Renting, Letting and Selling: Books BOOK SEARCH BROWSE CATEGORIES SPECIAL OFFERS TOP SELLERS AUDIO BOOKS Paperbacks 3 for £12 NEW & USED TEXTBOOKS HARRY POTTER SELL YOUR BOOKS All Products -Books -Used Books -Collectable Books All Subjects -Art, Architecture & Photography -Audio Cassettes -Audio CDs -Biography -Business, Finance & Law -Children's Books -Comics & Graphic Novels -Computers & Internet -Crime, Thrillers & Mystery -Fiction -Food & Drink -Gay & Lesbian -Health, Family & Lifestyle -History -Home & Garden -Horror -Humour -Mind, Body & Spirit -Music, Stage & Screen -Poetry, Drama & Criticism -Reference & Languages -Religion & Spirituality -Romance -Science & Nature -Science Fiction & Fantasy -Scientific, Technical & Medical -Society, Politics & Philosophy -Sports, Hobbies & Games -Travel & Holiday -Young Adult All Subjects Art, Architecture & Photography Audio Cassettes Audio CDs Biography Business, Finance & Law Children's Books Comics & Graphic Novels Computers & Internet Crime, Thrillers & Mystery Education & Languages Fiction Food & Drink Gay & Lesbian Health, Family & Lifestyle History Home & Garden Horror Humour Mind, Body & Spirit Music, Stage & Screen Poetry, Drama & Criticism Reference Religion & Spirituality Romance Science & Nature Science Fiction & Fantasy Scientific, Technical & Medical Society, Politics & Philosophy Sports, Hobbies & Games Travel & Holiday Young Adult BOOKS INFO At A Glance Reviews Customer Reviews Search Inside! See more by this author E-mail a Friend About This Item Recommendations If you already own this, rate it and improve your recommendations , Not Rated Visit the Music shop Hopes and Fears ~ Keane (Artist) Find a huge selection of books at 30% off Become an Associate Join our Associates Programme and make money from your website! The Complete Guide to Buying Property in Spain: Buying, Renting, Letting and Selling Charles Davey Search inside this book List Price: £9.99 Our Price: £6.99 & eligible for Free UK delivery on orders over £15 with Super Saver Delivery. See details & conditions . You Save: £3.00 (30%) Availability: usually dispatched within 24 hours. 32 Used & New from £5.62 See larger photo Edition: Paperback More Product Details Perfect Partner Buy The Complete Guide to Buying Property in Spain: Buying,... with Buy to Let in Spain: How to Invest in Spanish Prop... today! Total List Price: £20.98 Buy Together Today: £14.68 Customers who bought this item also bought: Buying a Home in Spain 2005 ;Paperback~David Hampshire Property Hotspots in Spain: The Hottest Property Locations in the Sunny Costas and How to Invest in Them ;Paperback~Ajay Ahuja Living and Working in Spain ;Paperback~Survival The Complete Guide to Buying a Property in Spain ;Hardcover~Anthony Ivor Foster How to Buy Spanish Property ;Paperback~B.M. Spencer-Higgins, Helen Carter Explore similar items ... Product Details: Paperback 256 pages(July 1, 2004) Publisher: Kogan Page Language: English ISBN: 0749440562 Category(ies): Home & Garden , Travel & Holiday Average Customer Review: | Write a review Amazon.co.uk Sales Rank: 15,785 (Publishers and authors: improve your sales ) sign in to turn on 1-Click™ ordering. 24 New from 5.62 8 used from 6.69 Have one to sell? (We'll set one up for you) View my Wish List . Reviews —LAM (Living Abroad Magazine), June 2005 "Full of information on the language, inheritance laws, health and education and other useful stuff." Synopsis Written by a practicing barrister, this text offers people considering relocating to Spain practical advice on buying, renting, letting, and selling property there. Sample topics include choosing a location, financing the purchase, adapting to the country's lifestyle, and setting up a business. It also features flight information, maps, and an asso See all reviews... New! Search Inside! ( Learn More ) Search inside this book: You can view sample pages from this book. Customer Reviews Avg. Customer Review: Write an online review and share your thoughts with other shoppers! 12 of 12 people found the following review helpful: THOROUGH AND INFORMATIVE , January 10, 2005 Reviewer: robert raines from UK I found this book particularly clear and very well set out. Information is easy to find. The author covers the main points that I needed to know, and really gets to grips with the central issues of buying property in Spain - especially new property. The book contains crucial advice on inheritance and wealth tax.We found the information on settling in very good,especially the sections on learing Spanish and schooling in Spain. An excellent book that I can highly recommend! Was this review helpful to you? 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Investment Property Mortgages Reach

Freddie Mac: Investment Property Mortgages Search In order to browse this site effectively, please enable Javascript in your browser. Investment Property Mortgages Reach Your Investment-Oriented Borrowers and Reap the Rewards of Cross-Selling Additional Services Want to expand your investment property mortgage business? As part of our Single-Family Seller/Servicer Guide (Guide), you can extend more options to your investment-oriented borrowers by originating 1- to 4-unit investment property mortgages and selling them to Freddie Mac. Originating mortgages for investment borrowers allows you to tap an abundant market and boost your business with cross-sell opportunities for your other financial products. Freddie Mac offers loan options for investment property mortgage originations. You can originate these mortgages as fixed-rate mortgages, Treasury-indexed ARMs, and others. Our flexible execution options include Cash and Guarantor. Use Loan Prospector ® to quickly and easily approve your investment property borrowers. Freddie Mac will purchase investment property mortgages for borrowers who own up to 10 financed properties, however, those who own more than one financed property will need to meet additional requirements. Executions Gold Cash® Guarantor MultiLender Swap Key Advantages 1- to 4-unit investment properties LTV/TLTV/HTLTV ratios per Guide Section 23.4 Purchase, no cash-out and cash-out refinances Additional eligibility requirements apply for borrowers who own more than one investment property Eligible for Cash and Guarantor executions Eligible Mortgages If the subject property is the borrower's only financed investment property: 15-, 20- and 30-year fixed-rate mortgages 5- and 7-year balloon/reset mortgages All ARMs A-minus mortgages If the borrower owns more than one financed investment property: 15-, 20- and 30-year fixed-rate mortgages 7/1 or 10/1 Treasury-indexed Hybrid ARM only The following mortgages are not eligible for delivery as investment property mortgages Mortgages with temporary subsidy buydowns Streamlined Purchase for Homeowners mortgages Alt 97® mortgages Freddie Mac 100 mortgages Affordable Merit Rate® mortgages Streamlined Refinance mortgages Affordable Gold® mortgages Seller-Owned Modified Mortgages A-minus mortgages, when the borrower owns more than one financed investment property Eligibility Requirements LTV/TLTV/HTLTV ratios per Guide Section 23.4. If the LTV ratio is greater than 75 percent, the mortgage must be an Accept or A-minus mortgage or, if manually underwritten, must have a minimum Indicator Score of 720. For More Information Contact your Freddie Mac Account Manager Call (800) FREDDIE Refer to Section 22.22.1 of your Single-Family Seller/Servicer Guide For further details about this product, print out an Investment Property Mortgages fact sheet [ PDF 191K ] © 2005 Freddie Mac Doing Business With Freddie Mac Single-Family Multifamily Debt Securities Mortgage Securities Vendors and Suppliers About Freddie Mac About Us Public Policy News and Information Investor Relations Careers Buying and Owning a Home Preparing for Homeownership All About Mortgages Purchasing a Home Owning and Keeping a Home Calculators and Tools Properties for Sale

Home Equity Loans and

Financial Services: Home Equity - Financial Services Loans Vehicle Home Equity RV, Camper, Boat & Motorcycle HomeVantage Financing Student Personal First-Time Borrower Program CreditDefender, GAP and more! Apply for a Loan Mortgages Checking & Check Cards Savings & Money Market Certificates & IRAs Health Savings Accounts Youth Program Gift Cards Credit Cards Preferred Member Recognition Search Ent Home Equity Loans and Lines of Credit Put your home to work for you. With a Home Equity Loan or Line of Credit from Ent, you'll have the power and flexibility to handle your financial needs, now and in the future. Plus, using your home's equity usually means you'll receive a lower interest rate than with personal loans or credit card finance charges. Home Equity Loan or Line of Credit advantages include: Interest may be tax-deductible* Very low closing costs Financing up to 100% of loan-to-value** Flexible term options Low minimum loan payments including interest-only payment options on lines of credit. No applications fees *Please consult your tax advisor about deductibility of interest. **Standard credit qualifications apply. Loans subject to final credit approval. Financing available on homes throughout Colorado. Apply online or by calling (719) 574-1100 or 800-525-9623. With a Home Equity Loan or Line of Credit from Ent, you can: Make Home Improvements Add or remodel a room, finish your basement, or replace your roof or driveway. Finance it all at once with a home equity loan, or one project at a time with a line of credit. Consolidate Debt Save money each month by combining your high-rate loans into one loan at a low interest rate. Buy a Vehicle Finance a new or used car, boat, RV, camper or travel trailer at a low rate. (Use the Auto Loan vs. Home Equity Loan calculator to see just how much money youll save.) Pay for Education Draw from a line of credit and pay tuition as it comes due...at a much lower cost than using a credit card. Create an Emergency Fund A line of credit makes extra cash immediately available in case of emergencies. Home Equity Loan or Line of Credit: Which option is best for you? Any financial institution can give you a home equity loan. But the online Loan Advisor will tell you why you should get one. Or why you should consider a home equity line of credit instead. Just answer a few short questions and the online advisor will help you choose the best loan and terms for your needs. Apply online or by calling (719) 574-1100 or 800-525-9623. Privacy Pledge | Important Account Information | Contact Us This credit union is federally insured by the National Credit Union Administration. Equal Opportunity Lender | Equal Housing Lender ©2005 Ent Federal Credit Union Membership Area & Benefits What's New Newsletter Profile Press Releases Community Support Employment Locations & Hours Contact Us Loans Mortgages Checking & Check Cards Savings & Money Market Certificates & IRAs Health Savings Accounts Youth Program Gift Cards Credit Cards Preferred Member Recognition Featured Rates Loan Rates Mortgage Rates Savings Rates Corporate Rates Online Banking & Bill Pay Online Loan Applications Auto Auction Reorder Checks Telephone Banking Direct Deposit Courtesy Pay Additional Member Services Investment Services Investing Insurance Dental Benefits Perspectives Newsletter Meet Your Registered Representative Trust Services Investing Glossary Education Center Advice Center Calculators Auto Buying Home Buying Retirement Planning Life Stages Money Management Taxes Identity Protection Financial Counseling Seminars