Home Equity Conversion Mortgage

Home Equity Conversion Mortgage Program - HUD Housing About Housing Contact us Keywords Single Family Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Home Equity Conversion Mortgage Program Information by State Print version Email this to a friend Summary: The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit. Purpose: The Home Equity Conversion Mortgage Program (HECM) can enable an older home owning family to stay in their home while using some of its built up equity. The program allows such a household to get an insured reverse mortgage-a mortgage that converts equity into income. Because older persons can be vulnerable to fraudulent practices, the program requires that persons receive free reverse mortgage housing counseling from a HUD-approved reverse mortgage counseling agency before applying for a reverse mortgage. FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold. Type of Assistance: HECM can be used by homeowners who are 62 years of age and older. The total income that an owner can receive through HECM is the maximum claim amount, which is calculated with a formula including the age of the owner(s), the interest rate, and the value of the home. For example, on the basis of a loan at recent interest rates, a 65-year-old could borrow up to 26 percent of the home's value, a 75-year-old could borrow up to 39 percent, and an 85-year-old could borrow up to 56 percent. Borrowers may choose one of five payment options: (1) tenure, which gives the borrower a monthly payment from the lender for as long as the borrower lives and continues to occupy the home as a principal residence; (2) term, which gives the borrower monthly payments for a fixed period selected by the borrower; (3) line of credit, which allows the borrower to make withdrawals up to a maximum amount, at times and in amounts of the borrower's choosing; (4) modified tenure, which combines the tenure option with a line of credit; and (5) modified term, which combines the term option with a line of credit. The borrower remains the owner of the home and may sell it and move at any time, keeping the sales proceeds that exceed the mortgage balance. A borrower cannot be forced to sell the home to pay off the mortgage, even if the mortgage balance grows to exceed the value of the property. A HECM loan need not be repaid until the borrower moves, sells, or dies. When the loan must be paid, if it exceeds the value of the property, the borrower (or the heirs) will owe no more than the value of the property. FHA insurance will cover any balance due the lender. Two mortgage insurance premiums are collected to pay for HECM: an up front premium (2 percent of the home's value), which can be financed by the lender, and a monthly premium (which equals 0.5 percent per year of the mortgage balance). The lender's loan origination charge can vary, but only up to $1,800 in such charges may be financed by HECM. Borrowers may be charged appraisal and inspection fees set by HUD; these charges can also be financed. As part of the HECM program, HUD has provided for free reverse mortgage counseling (with training for the counselors) for persons considering using such an instrument, and a toll-free information line (1-888-466-3487). Eligible Grantees: Any lender authorized to make HUD-insured loans- such as banks, mortgage companies, and savings and loan associations-can participate in the HECM program. Eligible Customers: To be eligible for HECM, a homeowner must (1) be 62 years of age or older, (2) have a very low outstanding mortgage balance or own their home free and clear, and (3) have received HUD-approved reverse mortgage counseling to learn about the program. An eligible property must be a principal residence, but it can be a single-family residence, a one- to four-unit building with one unit occupied by the borrower, a manufactured home (mobile home), a unit in an FHA-approved condominium, or a unit in a planned unit development. The property must meet FHA standards, but the owner can pay for repairs using the reverse mortgage. Application: Homeowners who meet the eligibility criteria above can apply through an FHA-approved lending institution, which in turn submits the application to the local HUD Field Office for approval. Borrowers can locate FHA-approved lenders through HUD's searchable listing . Because there has been a problem of some senior citizens being charged thousands of dollars for information on HECM that is available free, HUD recently directed HECM lenders to stop doing business with companies that charge such fees. Funding Status: In FY 1996, the HECM program insured 3,604 homes with a value of $369 million. Through September 30, 1996, approximately 16,000 HECM loans had been made. Technical Guidance: TECHNICAL GUIDANCE: This program is authorized by the Housing and Community Development Act of 1987, Section 417, Public Law 100-242 (12 U.S.C. 1715z-20). Program regulations are in 24 CFR 200 and 206. This program is administered by the Office of Single-Family Housing in HUD's Office of Housing-Federal Housing Administration. For More Information: Homeowners who want to learn more about this program, or who were charged for HUD approved reverse mortgage counseling should call HUD's toll-free housing counseling information line, 1-800 569-4287 or see the searchable list of HUD approved reverse mortgage housing counseling agencies or call 1-888-466-3487. Additional information is available from two nonprofit organizations: the American Association of Retired Persons' (AARP) Home Equity Conversion Information Center (202-434-6044) and the National Center for Home Equity Conversion (NCHEC) at 7373 147th St., Room 115, Apple Valley MN 55124. Content updated April 26, 2002 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Sell House

Selling Houses from Channel4.com/4Homes E4 More4 FilmFour FourDocs TV Listings Site A-Z NEWS FILM HOMES LIFE ENTERTAINMENT HISTORY SCIENCE COMMUNITY SHOP SPORT CULTURE CARS MONEY VIDEO LEARNING HEALTH MUSIC GAMES Home Welcome News On TV Grand Designs Grand Designs Abroad Previous Houses Features Information Streets Ahead Property Ladder Location, Location Relocation, Relocation Home from Home City Gardener Selling Houses Room for Improvement Up Your Street Making Space A Place In The Sun The Great Garden Challenge Home or Away A Place in France A Place in Greece A Place in Greece House Auction More Programmes Presenters TV Listings Buying & Selling Where to Buy How to Buy How to Sell Special Cases House Price Index Renting Property Search DIY & Building Guides Building a House Ask the Expert Style Design Guides Features Living Rooms -- Bedrooms -- Kids Rooms -- Storage solutions -- Dining Rooms -- Home Office -- Hall -- Outdoor Living -- Period Styles -- Buying Abroad Country Guides Features Property of the Week Chat, Vote & Win Vote Win Forum -- Newsletter Forum Profit from Property Buy to Let Property Development Money Deals SEARCH All 4Homes: On TV Buying & Selling Renting Property Search DIY & Building Style Buying Abroad Chat, Vote, Win Profit from Property SELLING HOUSES In this new six-part series of Selling Houses no-nonsense estate agent Andrew Winter takes homeowners to task as they struggle with the nation's hard-to-sell homes, from listed buildings to ex-council houses. And this time he's reprimanding the estate agents as well as the homeowners. This Week Ian and Kim Saunders were so confident they'd sell their four-bedroom house in Tongham in Surrey for £435k that they cashed in their equity to release £100,000 as a down payment on a brand new villa in Spain. Now they're in trouble. They're still stuck on the market after 16 months, despite slashing their price to £400k. Andrew tells Kim she's pushing it "getting pets to actually co-ordinate with your sponge-effect wall" and discovers their agent's always known their décor was a problem, but didn't have the heart to tell them. Gallery See the dramatic change Suppliers Want some of what they got? Selling Tips Expert advice on how to sell your house Ask The Expert Submit your questions to our resident Selling Houses guru, Andrew Winter Related Features Appear On TV Fancy a visit from Andrew and City Gardener, Matt James? How To Sell How to get the best price for your home Choosing An Estate Agent How to choose the best person to sell your house Psychology of Estate Agents There are four types of estate agent - which one is yours? Previous Episodes Revisit some classic episodes UK PROPERTY SEARCH Over 150,000 homes Type a location: Price range: Min Price £0 £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 Max Price £50,000 £75,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 £10,000,000 Min bedrooms: Min Beds 1 2 3 4 5 6 New homes only FEATURE Profit from Property How to pick a property that's ripe for development GRAND DESIGNS CD ROM A comprehensive 'info tool' for anyone looking to renovate their dream home ON TV Your Favourite Property Shows Find out more about your favourite shows and presenters About C4 | Jobs | Text Only | Access Advice | Contact Us | Terms and Conditions | Privacy | Help | Online Ad Sales

real estate brokers, real

Real estate agent business plan PlanMagic Business Trend setting real estate agent business plan software by PlanMagic Corporation . PlanMagic Business Plan software is ideal for real estate agency, real estate agent services, apartment brokers, real estate agents, realtors, real estate brokers, real estate agencies, and all individuals who are interested in learning real estate agent business plan writing or writing an real estate agent business plan. Minimum requirements: A personal computer with MS Windows 98/NT/Me/2000/XP/2003 and MS Office 97/2000/XP/2003+. "Thank you for creating this software!! It is absolutely amazing." More testimonials If you have a business related to real estate agent business plan writing, you may want to know about our reseller opportunities. Read more! Some examples of use: Advertising agency business plan Bank business plan Bar business plan Beauty salon business plan Bowling center business plan Business consultant business plan Call center business plan Car rental business plan Car wash business plan Casino business plan Catering business plan Cleaning service business plan Clinic business plan Coffee shop business plan Consultant business plan Day care center business plan Debt collection business plan Farm business plan Fitness center business plan Health spa business plan Insurance broker business plan Lease company business plan Manufacturer business plan Non profit business plan Pharmacy business plan Record company business plan Real estate agent business plan Retail business plan Services business plan Supermarket business plan Travel agency business plan and many more .. 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The Advanced Edition (AE) further includes state-of-the-art financial analysis tools and a comprehensive web marketing guide. plan any real estate agent business like a pro plan to finance a real estate agency start-up or an expansion analyze the financial situation with state-of-the-art analysis tools stay up-to-date with the real financial situation at all times It's the easiest to use real estate agent business plan program available today. A business plan program that produces faster results than any other, and a program brought to you by a company with over 25 years of related experience. It is a helpful business plan program and offers the necessary flexibility. Its structure is the preferred format today after 10 years of improvements and it offers you a template that includes all that should be included in an real estate agent business plan geared toward success. It's the best value your money can buy when it comes to real estate agent business plan software. Available in the following languages: English (v9.0) Espaol (v5.3) Russian (v5.3) Italian (v5.1) Nederlands (v4.5) Available sales tax systems : USA, EU VAT, GST/HST, other In/Out sales tax systems. Available currencies: $, , and any currency. COMPREHENSIVE BUSINESS PLAN GUIDE It's a complete business plan guide in HTML format. The guide covers subjects such as organizational structure, financing (owners' equity, foreign capital), marketing (market analysis, business goals, marketing strategies, advertising), real estate agent operations (real estate agent identity, real estate agent location), business financials (projections, historic analysis, ratios) and more. The 'Details' button opens/closes an overview of each subject contained in the business guide. PlanMagic Business Plan Guide The introduction - How to use - The introduction - Marketing - Historic analysis - Financing - Organizational structure - Financial projections - Hint & tips Marketing - The product mix - Analysis current product mix - Competitive research - Market analysis - Marketing goals - Marketing strategies - Advertising & promotion - Pricing and costing - Sales management - Distribution & service Historic analysis - General view - The market position - Balance sheet - Income statement - SWOT analysis Financing - Assumptions - Capital - Return on investment - Ratios - Loan capacity - Investment budget Organization - Management - Staff - Personnel analysis & expenditures - Administrative organization Financial projections - Sales projections - Expense statement - Income statement - The balance sheet - The cashflow projection - The charts - The time table Hints & tips - General tips - Company formation - Choosing a bank - Choosing a location - Choosing an accountant - Preparing a presentation REAL ESTATE AGENT BUSINESS PLAN TEMPLATE The preferred format (for investors, SBA, banks, angel investors) business plan templates in DOC (MS Word) format. You don't have to create your own contents from scratch (or delete most of it as may be the case with a sample plan) and you'll get the most professional printed results. The standard edition includes products, services ( Advanced Edition includes retail as well ) and one additional business plan template of your choice (in this case real estate agent). If you need more business plan templates you can purchase additional business plan templates. Each business plan template is fully geared towards the type of business it is to be used for. The 'Details' button opens/closes an overview of each subject contained in a typical real estate agent business plan. PlanMagic Real Estate Agent Business Plan Template Table of Contents (automated) Introduction - Business description - Business formation - Directors - Management team - Business goals/mission - Business philosophies/identity - Geographical markets - Vision of the future Executive summary - Main objectives - Sales summary - Strategic positioning - Strategic alliances - Licenses - Key advantages - Funds required Marketing - The product mix - Sales estimates - Competitive research - Market analysis - Marketing goals & strategies - Pricing policy - Advertising & promotion - Sales management - SWOT analysis Historic analysis - General view - The market position - Income statement historic - Balance sheet historic The organizational structure - Management and personnel - Administrative organization - Contingency planning Real estate agent operations - Real estate agent identity - Real estate agent location - Real estate agent premises - Real estate agent layout Financial plan - The investment budget - Statistical data (ratios) - The return on investment - Financial projections Risk management - Risk reduction - Exit strategy Appendices - Personal income statement - Other FULLY AUTOMATED BUSINESS FINANCIALS Trend setting financial workbook in XLS (MS Excel) format that leaves the competition far behind. You will not find a better solution as detailed! Enter some main assumptions, decide how many product lines and products you need, name them once, and start entering your financial data into the clearly marked cells. Use it for a business plan or for ongoing monitoring of your business. If you have purchased the Advanced Edition you can also perform a thorough, ongoing financial analysis of your business at anytime. PlanMagic Business 9.0 Financial Plan Workbook The Ultimate in Modern Business Financials - A product generator for up to 10 product lines and unlimited products per product line - Assumptions (general, formation, financial, inventory, loans, tax, products) - Loans & amortization schedule - short term, long term, deferred loans (5 years) - Investment budget - incl. startup cost calculator for startups (5 years) - Depreciation schedule straight line method - Beginning balance sheet - Balance sheet historic (3 years) - Income statement historic (3 years) - Personnel plan monthly & quarterly (3 years) - Personnel plan annual with detailed headcount summary (5 years) - Sales estimates & cost of goods (3 years) - Sales projections monthly & quarterly (3 years) - Sales projections annual (5 years) - Income statement (Profit & Loss) monthly & quarterly (3 years) - Income statement (Profit & Loss) annual (5 years) - Cashflow projection monthly & quarterly (3 years) - Cashflow projection annual (5 years) - Sales tax (VAT, GST/HST) account (non-US versions) - Balance sheet projection monthly (3 years) - Balance sheet projection annual (5 years) - Timeline - Personal financial statement (for sole proprietor/partnerships) BUSINESS ANALYSIS - Historic ratios (3 years) - Projected ratios including IRR/NPV for business valuation (3/5 years) - Loan capacity ratios (3/5 years) - Best case & Worst case scenarios (Sensitivity analysis) (5 years) - Annual summary matrix - beginning balance, income statement, cashflow, ending balance (5 years) PlanMagic Business AE 9.0 ( Advanced Edition ) further includes: - Additional assumptions (franchise, etc.) - Advertising & promotion plan detailed (3 years) - Advertising & promotion plan annual (5 years) - Detailed break-even analysis per product line - Annual dynamic sensitivity analysis (best/worst case scenarios) (5 years) - Comparison analysis - personnel, sales, advertising, income, cashflow, balance sheet (5 years) - Annual ROA/ROE dynamic analysis tree (5 years) - Exchange rate multiplier SOME NEW 9.0 FEATURES Feature Benefit After the first year numbers are automated based on averages or increase %. Provides fast results by eliminating unnecessary manual input. New improved detailed income statement. Categorized expenses and extra rows can be added. New improved 1-2-3 personnel plan method. Entry as simple as 1-2-3, yet sophisticated for monthly and hourly wages. More than 40 automated charts. Gives you a quick overview when needed. Print Macro: to quickly print any selection of predefined print areas. Saves you time collecting data to be printed. Click and Go. Export Macro: to easily export multiple worksheets to a values only workbook. Handy for conferencing. The PlanMagic Product Generator PlanMagic Business is the only business plan software with product line and number of products generator (up to 10 product lines with unlimited number of products per product line). The generator creates or deletes product lines and products as selected, even with existing data in the financial workbook. EASY TO USE BUSINESS PLAN PRESENTATION TEMPLATE Easy to complete presentation template (> 50 slides) in PPT (MS PowerPoint) format. You can copy text from the document templates, link to tables in the document template, or link to worksheet data in the financial workbook. The template contains the same chapters and subchapters as the real estate agent business plan template. Why PlanMagic Business 9.0! Need even more reasons why you should use PlanMagicBusiness 9.0? use of simple and understandable terms incredibly versatile ( seesome usage options ) and fast automated financial projections made easy and yet so complete automatic calculation of depreciation, loan payments, accounts receivable/payable, inventory, dividends, company tax, sales tax, payroll burden and more product line and number of products generator (unique, yet indispensable!) the most professional printed results the most comprehensive business plan guide ( AE includes a web marketing guide ) automated financials are available in $, , and any currencysign business financial printouts are preformatted in Letter, Legalor A4 print size business financials include automated sales tax/VAT/GST calculations updates are FREE for twelve months real estate agent business plan template the competitive price of $84.95 "Congratulations for the best business plan solution I've found on the market. Your financials are awesome!" More testimonials No one has made it easier for you to write the contents of the real estate agent business plan, offers the same high quality printed result, offers the same level of financial automation (use it to monitor your business throughout the years), offers a complete business plan guide, as well as professional presentation templates. Why do it yourself? Because no one knows or cares about your business like YOU do! Can you afford (not) to get the best available software to get the job done professionally and fast? Minimum requirements PlanMagic Business 9.0: a personal computer with MS Windows 98/NT/ME/2000/XP+, a Java enabled browser, MS Office 97/2000/XP/2003+. Optional MS PowerPoint 97/2000/XP/2003+. Delivery: via Electronic Download (~3Mb). CD is shipped within 3 business days via Registered Priority Airmail. ONLINE ORDERING PlanMagic Business $84.95 Download PlanMagic Business $99.95 Download & CD-ROM Advanced Edition PlanMagic Business AE $174.95 Download Popular combinations PlanMagic Business + Marketing $154.95 Download PlanMagic Business + Marketing $169.95 Download & CD-ROM PLANMAGIC BUSINESS REAL ESTATE AGENT BUSINESS PLAN SOFTWARE THAT MEANS BUSINESS

Las Vegas Real Estate

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Real Estate Broker/Salesperson Respiratory

Vermont Secretary of State - Office of Professional Regulation - REAL ESTATE COMMISSION Vermont.gov Links Access Government 24/7 Find the Facts Living in Vermont Doing Business in Vermont Education Health & Public Safety Recreation & Travel Employment in Vermont Agency Quick List Search -- VERMONT SECRETARY OF STATE - Deborah L.Markowitz Text Version of Drop Down List size="1" Drop Down List of Professions Accountancy Acupuncture Architecture Athletic Trainer Auctioneer Barber Cosmetology Boxing Chiropractic Crematory Establishment Dental Dietician Drug & Alcohol Counselors Electrolysis Engineer Funeral Service Hearing Aid Dispenser Land Surveyor Marriage/Family Therapy Mental Health Counselor Licensed Midwife Motor Vehicle Racing Naturopath Nursing Nursing Home Administrator Occupational Therapy Opticians Optometry Osteopath Pharmacy Physical Therapy Private Investigative/Security Psychoanalysis Psychology Psychotherapy Radiologic Technology Real Estate Appraiser Real Estate Broker/Salesperson Respiratory Care Practitioner Social Worker Speech Language Pathologist & Audiologists Tattooists/Body Piercers Veterinary OPR Home Conduct Decisions Individual Search Database Downloads Verifications Complaint Form Unprofessional Conduct All Professions Meetings Real Estate Commission For questions, e-mail or call: Judith Griffen 802 828-3228 Commission Members Winter 2004 - Newsletter Summer 2005 - Newsletter Laws Rules PSI Examination Services ARELLO 2005 Legislative Changes Online Forms and Applications Adobe PDF Format Only. If you do not have Adobe Reader you can Download it by clicking this link... Download Adobe Acrobat Reader Application Forms Salesperson or Broker Office Reinstatement CE Program Approval Renewal Forms Broker Salesperson Office Other Documents & Forms Approved Course Provider List Change of Information Form Process Agent Form Need Help With A Web Site Technical Issue, Contact The Webmaster At: To Contact This Page's Content Editor Contact OPR At: SOS Home | State of Vermont Home Site Map --| VT Law | Databases Contact | Help | Printing Web Pages | Site Search | Site Map Feedback | Disclaimer This Site Is Best Viewed In Internet Explorer 4.0 or Above or Netscape 4.73 or Above Top Of This Page