Rental property owners directly,

Vacation Rentals .com - #1 rated site for Vacation Homes, Beach Houses, Villa Rentals #1 Vacation Rentals Directory Beach Houses & Vacation Homes Contact Owners Direct... Home List Your Rental Help Home Owner Login About Us Disclaimer Owners : Listing on Vacation Rentals.com is easy, very cost effective and risk free for 30 days. Click on List Your Rental above and your rental will show up immediately. You will soon be contacted directly by interested renters. See our Testimonials . Renters : There is nothing to join , simply click on the location of your desired Vacation Rentals. Contact the Vacation Rental property owners directly, regarding availability and booking. Property owner contact information is provided on each listing. United States Vacation Rentals Alabama Alaska Arizona Arkansas California Colorado Connecticut DC Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Featured Vacation Rentals Pool villa in highly sought-after Hamilton's Reserve Orlando, Florida Only 7 minutes to DisneyWorld and a few minutes more to Universal and SeaWorld! See Our Past Featured Rentals Caribbean Vacation Rentals Anguilla Antigua Aruba Bahamas Barbados Bermuda Bonaire British Virgin Islands Cayman Islands Cuba Curacao Dominica Dominican Republic Grenada Guadeloupe Guyana Haiti Jamaica Martinique Montserrat Nevis Puerto Rico Roatan/Bay Islands Saba St Barthelemy St Eustatius St Kitts St Lucia St Martin/Maarten St Vincent Tobago Trinidad Turks and Caicos US Virgin Islands Venezuela European Vacation Rentals Austria Belgium Bulgaria Croatia Cyprus Czech Republic England Estonia France Germany Greece Hungary Iceland Ireland Italy Macedonia Maltese Islands Netherlands Norway Portugal Romania Russia Scotland Spain Sweden Switzerland Ukraine Wales Mexico Vacation Rentals Baja California Central Mexico Gulf Of Mexico Northern Mexico Pacific Coast Yucatan Canada Vacation Rentals Alberta British Columbia New Brunswick Newfoundland Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Other Great Destinations Central America Belize , Costa Rica , Honduras , Nicaragua , Panama South Pacific Australia , Cook Islands , Fiji , New Zealand , Tahiti South America Argentina , Brazil , Chile , Colombia , Falkland Islands , Paraguay , Peru , Uruguay Africa Egypt , Indian Ocean Islands , Kenya , Morocco , South Africa , Tanzania , Zambia Asia/Middle East India , Indonesia , Israel , Japan , Malaysia , Pakistan , Philippines , South Korea , Sri Lanka , Thailand , Turkey , United Arab Emirates Top Vacation Destinations Disney Area, Florida Destin, Florida Naples, Florida Panama City Beach, Florida Kissimmee, Florida Marco Island, Florida Daytona Beach, Florida Miami Beach, Florida Lake Tahoe, California San Diego, California Fort Myers Beach, Florida New Smyrna Beach, Florida Davenport, Florida Hilton Head Island, South Carolina Key Largo, Florida Orlando, Florida Poconos, Pennsylvania Fort Myers, Florida Palm Springs, California Marathon, Florida Bonita Springs, Florida Puerto Vallarta, Pacific Coast Islamorada, Florida St Augustine, Florida Siesta Key, Florida Seagrove Beach, Florida Cape Coral, Florida Bradenton, Florida Madeira Beach, Florida Clearwater Beach, Florida Fort Walton Beach, Florida Sarasota, Florida Puerto Rico, Caribbean Fort Lauderdale, Florida Palm Desert, California Playa del Carmen, Yucatan Scottsdale, Arizona Indian Rocks Beach, Florida Indian Shores, Florida Las Vegas, Nevada Cabo San Lucas, Baja California Myrtle Beach, South Carolina Sanibel Island, Florida St George Island, Florida Cocoa Beach, Florida Navarre Beach, Florida Kihei, Hawaii Cape San Blas, Florida Ocean City, New Jersey Paris, France VacationRentals.com is quickly becoming one of the largest and most useful specialized travel site on the internet for finding vacation rental homes. With its intelligent search engine, VacationRentals.com is the easiest place for travelers to find and rent unique vacation rentals including cabins, beach house, villas, bed and breakfasts and other vacation lodging. VacationRentals.com is the most efficient means for owners to promote their rental properties. ©1997-2005 VacationRentals.com LLC All Rights Reserved.

Sell House

Home Selling Advice - Get the House Ready to Show - House Selling Tips  You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > Getting it Ready to Sell > Home Selling Advice - Get the House Ready to Show - House Selling Tips Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! Email to a friend Print this page Home Selling Tips How To Sell a House Showings, Should You Stay Or Go? Passing Your Home Inspection More Home Selling Advice The Importance of Curb Appeal Should You Offer a Home Warranty? Giving the Buyer Possession Before Closing Home Selling eCourse Home Selling Materials Delivered Once Weekly Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping Home Selling Advice: Get the House Ready to Show From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Make Sure it's Your House they Come Back to for a Second Look Here's a critical bit of home selling advice: don't even think of putting your house on the market until you've taken a close look at its condition. You usually only have one shot at impressing potential home buyers, so take some time now to prepare the house for showings and you might be rewarded with a faster sale and a higher offer. Home Prep Basics Everything from floors to windows must be spotless, including the oven and other major appliances. Skylights should be crystal-clear, too. Do not forget to make bathrooms shine! Kill the offensive odors. They're the first thing buyers notice, and often a permanent turnoff. Eliminate Clutter: Put away small kitchen appliances and other items that are sitting on countertops and tables. Remove photographs and other small items from table-tops. Organize closets and cabinets. Outside Tasks Clean the drain gutters. Buyers nearly always comment if gutters are full of leaves and it makes them question other maintenance issues. Store or organize items that make the yard look messy. Make your front entry inviting. Decorate it, paint the door, or buy a new door. It's the first look at your house, so make it a good one. If the Home Is Vacant Vacant homes often home buyers with a blast of stale or mildew-laden air, and once buyers smell mildew, they are out the door. During cold months, the interior of a house without heat always feels colder than it is outside. Leaving the heat or air conditioning running while a home is on the market reduces odors and makes the house more inviting. Keep the lawn and landscaping tidy, even if you have to hire someone to do it. That's a start, but you're not finished yet. Take your prep work to the next level if you want to be ready for buyers. 1 2 Next Important disclaimer information about this About site.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews

Real Estate Prices: Boom

Calculated Risk: California Real Estate Prices: Boom and Bust Notify Blogger about objectionable content. What does this mean? BlogThis! Calculated Risk Click Here to Return to Main Page Politics and Economics Tuesday, March 15, 2005 California Real Estate Prices: Boom and Bust Today I heard someone comment that California Real Estate never goes down. In fact, California RE has declined in the past in both real and nominal terms. Click on graph for larger image. This graph shows the price of California RE based on the OFHEO California housing index . For the real price, the nominal price is adjusted by CPI, less Shelter, from the BLS . (1976 = 100) The graph shows that in real terms we have seen two declines since 1980. The first decline, in the early '80s, lasted 3 years. The second decline, in the early to mid '90s, lasted 6 years. The second graph shows the same information by annual rate of return, both real and nominal. The decline in the '90s lasted 24 quarters from peak to trough. It took 9 years for prices to recover in nominal terms to their early '91 peak. Overall prices declined 12% in nominal terms and 26% in real terms. Even more important for the economy are the coincident declines in sales volume. Real Estate prices are “sticky downward” since sellers are slow to adjust their prices down, and buyers are reluctant to buy a declining price asset. In this regards, real estate is an imperfect market in that prices adjust slowly to changes in supply and demand (unlike commodities like corn or wheat). Although prices do decline, it’s the decline in volume that leads to declining employment in real estate related occupations like construction, RE sales, mortgages, and more, and impacts the general economy. posted by CalculatedRisk at 8:39 PM Comments | Trackback Calculated Risk: a senior executive, retired from a public company, with a background in investing, finance and economics. Guest blogger: Angry Bear Commentator: Economics Roundtable WWW Calculated Risk Previous Posts UCLA Anderson Forecast: False Sense of Wealth Mortgage Debt and the Trade Deficit China Reduces Dollars in Its Reserves, Lehman Says Mortgage Debt Increases 13% in 2004 The Other Trust Funds Fed's Poole: Social Security Needs Small Changes Housing: Excessive Leverage? Housing: Two Worrisome Signs China and the Price of Gas Greenspan's March to Infamy Housing Sites: Housing Bubble Blog The Housing Bubble Prof. Pigginton's Econo-Almanac housebubble.com Bubble Meter Boy in the Housing Bubble Email: Calculated Risk "Homeownership has become a vehicle for borrowing and leveraging as much as a source of financial security." Former Fed Chairman Paul Volcker, Feb 11, 2005 More excerpts of Volcker's Speech and video

Land Loan

HDFC : Loans -- - Your Complaint - Your Questions - FAQs - Sitemap Search : Newsroom Home Page Resident Indian Land Purchase Loan Home Loan Home Improvement Loan Home Extension Loan Short Term Bridging Loan Land Purchase Loan Loans to Professionals for Non Residential Premises Loan Home Equity Loans Features Maximum loan 70% of cost of the land and based on the repayment capacity of the customer. Maximum Term 10 years subject to your retirement age. Applicant and Co- Applicant to the loan Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co-owners. Adjustable Rate Home Loan Loan under Adjustable Rate is linked to HDFC's Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of first disbursement, if there is a change in RPLR, the interest rate on your loan may change. However, the EMI on the home loan disbursed will not change * . If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases. Fixed Rate without money market conditions- Rate of interest will not change. with money market conditions- Rate of interest will not change due to money market conditions for two years from the date of first disbursement of the loan * . *Conditions Apply Back to top Interest Rate Please get in touch with HDFC Home Line for the latest interest rate. Back to top Fees 1% of the loan amount applied plus applicable service taxes and cess. No Charges for Part or Full Prepayment of loan under Adjustable Rate (except in case of prepayment through a refinance from other bank or institutions prepayment charges will be applicable) Fixed Rate - Part prepayment upto 25% of opening loan outstanding in a financial year Replacement of cheques Income Tax Certificates Accelerated Repayment Option Back to top How to apply It's simple! You can choose any of the following ways to get in touch with us! Call the HDFC Home Line in your city – Our sales representatives will reach out to you for assistance HDFC Office Locator We have over 200 offices with flexible timings keeping in mind your work timings. The offices are conveniently located at a place closer to you. SMS HDFCHOME to 6767 Apply Online Back to top Documents You can download the Application Form and submit alongwith the following documents for an approval of loan. Salaried Customers Self Employed Professionals Self Employed Businessman Application form with photograph Application form with photograph Application form with photograph Identity and Residence Proof Identity and Residence Proof Identity and Residence Proof Latest Salary-slip Education Qualifications Certificate and Proof of business existence Education Qualifications Certificate and Proof of business existence Form 16 Last 3 years Income Tax returns (self and business) Business profile Last 6 months bank statements Last 3 years Profit /Loss and Balance Sheet Last 3 years Income Tax returns (self and business) Last 3 years Profit /Loss and Balance Sheet Processing fee cheque Last 6 months bank statements Last 6 months bank statements (self and business) Processing fee cheque Processing fee cheque Back to top Security for the Loan Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be required, if the property is under construction. Back to top Suggestions Tell a Friend Print this Page Download Application Form -- HDFC Bank | HDFC Mutual Fund | HDFC Standard Life | HDFC Securities | HDFC Realty | HDFC Chubb | Intelenet Global | CIBIL Disclaimer 1999 Housing Development Finance Corporation Limited. Site Designed & Developed by IL&FS Infotech Limited .

Selling Home

FCIC: Selling a Home Return to Federal Citizen Information Center Home Page Printer-friendly page -- Life Advice About... Selling A Home This Life Advice section about Home Improvement was produced by the MetLife Consumer Education Center reviewed by the Real Estate Educators Association and the U.S.D.A. Cooperative Research, Education and Extension Service. If you've decided to sell your home, chances are you're caught up in a host of emotions. You may be looking forward to moving up to a new dream house or facing the uncertainty of a major move across country. You may be reluctant to leave your memories behind or eager to start new adventures. Whatever turbulent feelings you're experiencing right now, there are plenty of practical matters that need your attention. Keep in mind the following considerations to help the whole process go more smoothly. Time Becomes Money It's a good idea to place your home on the market as far in advance as possible of purchasing a new one. If you find a new home first and then try to sell your present home, you may wind up with two mortgages. If this does happen, ask your real estate agent or banker about a bridge loan to help you make the double payments. Lenders use the same criteria for offering bridge loans as they use for mortgages. Should you qualify for a bridge loan, beware of the expense; during the term of the loan you must continue to pay both mortgages. Shop around for the best terms. Keep in mind that when people move, sell and buy, there usually is a domino effect. Closing and moving dates have to be coordinated, and the more firmly everyone commits to a window of dates and sticks to them, the better for all involved. Put all agreements about dates in writing, and protect yourself by negotiating financial penalties for failure to comply. Check Your Curb Appeal A home that's visually appealing and in good condition will attract potential buyers driving down the street. Use this checklist to view your property through an outsider's eyes. Are the lawn and shrubs well maintained? Are there cracks in the foundation or walkways? Does the driveway need resurfacing? Are the gutters, chimney and walls in good condition? Do the window casings, shutters, siding or doors need painting? Are garbage and debris stored out of sight? Are lawn mowers and hoses preperly stored? Is the garage door closed? On the Inside Strong curb appeal will lure potential buyers inside, where you have to live up to their expectations. Fortunately, there are plenty of easy improvements you can make to your home's interior without spending a lot of money. Cleaning is No. 1. Your windows, floors and bathroom tiles should sparkle. Make sure you have clean heating and air conditioning filters. Shampoo dirty carpets, clean tubs and showers, repair dripping faucets and oil squeaky doors. Keep your home neat, clean and picked-up at all times. It may not seem fair, but a peek in the oven may be the hallmark by which a buyer judges how well you have kept up your home. Remove unnecessary clutter from the garage, basement, attic, closets and straighten stored items. Also remove any items that might make a statement that would be offensive to others who may not share your same views, beliefs or sense of humor. If your home is crowded with too much furniture, consider putting some things into storage. If a room needs a fresh coat of paint, use a neutral off-white. Think, too, about how your home smells. You may be used to the smell of a pet or cigarettes, but such odors can be a strong turn-off to others. Be certain to remove valuables such as jewelry and other items from view. It might be wise to put these items in a safe deposit box before showing your home. Finally, set a mood for the buyer. Make your house homey with live flowers and fresh guest towels in the bathroom. Place scented potpourri around the house or, on the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls into the oven for a welcoming aroma. Remember, cosmetic changes do not have to be expensive. In fact, costly home improvements do not necessarily offer a good return on your investment when you sell. It's attention to the basics—anything that says “this home has been carefully maintained”—that will help you get the price you want. Go It Alone Some homeowners decide to sell their homes themselves in order to save the commission charged by a real estate agent. The commission rate may vary, depending on where you live or what agency you choose, but it is generally upwards of 5%. However, handling your own sale means you will be responsible for placing ads, answering phones and showing your home to strangers. What's more, buyers who know you are saving on an agent's commission may offer less for your home, wiping out the financial incentive to do it all yourself. You may decide an agent's commission is a bargain the first time that a would-be buyer shows up unannounced at dinnertime. Also, be aware that a real estate agent probably knows a lot more about the business of selling a home than you do. Here are some of the advantages professional agents offer: They will help you establish a fair asking price for your home. They will promote your home to other agents and list your property in multiple listing services. A multiple listing service is a book or computer database that all real estate agents who subscribe to the service can access. Your home will get exposure to all those agents, one of whom may have the perfect buyer. They will create, pay for and place advertising for you. They will schedule appointments to show your home to prospective buyers even when you are not there. They can weed out buyers who will not qualify for a mortgage. They can refer you to sources for insurance, inspections, legal counsel and financing. They will help you negotiate with the buyer. They can make suggestions to help make your home more attractive to a potential buyer. If you decide to sell through an agent, ask friends and neighbors for recommendations. Talk to several agents before picking the one you want to work with. Taking a walk through your home with an agent should give you a feel for how that person will handle prospective buyers. Ask prospective agents how they plan to market your home. Don't sign with an agent just because he or she suggests the highest asking price. Negotiate the broker's commission prior to listing your home, and sign for a limited period of time—usually three to six months. Setting a Fair Price Naturally, you want to get top dollar for your home. But, at the same time, you don't want to scare off potential buyers with a price tag that's too high. Setting an artificially high price may cause your property to languish on the market for months. Reducing your asking price later on may lead buyers to wonder if there is something wrong with your home. Here are some of the factors to consider in pricing your home. Your location Economic conditions Supply and demand in the local housing market Seasonal influences Local schools Average home prices in the neighborhood Your home's extras -- pool, fireplace, central air, etc. To determine the value of your home, you probably will want the advice of a real estate agent or appraiser. Ask an agent to prepare a market analysis for you, showing the recent selling prices of three neighborhood properties comparable to your own. The agent can help you adjust for the unique features of your own property. Qualifying a Buyer Either you or your agent will want to quickly weed out potential buyers who cannot really afford to purchase your home. A number of factors will help determine whether or not you are wasting your time negotiating a sale. The buyer's debt and credit history The buyer's current income and employment The buyer's cash position and availability of a down payment The length of time the buyer needs before closing on your home How interested the buyer appears to be in your home versus others Seek Legal Representation When selling your home—particularly if you are selling on your own—it's a good idea to be represented by an attorney. Look for an attorney with expertise in real estate transactions. When a potential buyer puts an offer in writing and you accept it, the signed acceptance becomes the sales contract. Your attorney will be present at the actual closing to protect your interests and can assist you with the following elements of a sales contract: The sale price What is included in the sale price -- draperies, carpeting, light fixtures, heating oil, etc. The amount of the down payment The date of closing and possession date Contingencies to the sale--inspections (e.g. structural, lead-based paint, radon), required improvements, legal review of the contract by the buyer's or seller's attorney, etc. The amount and length of the mortgage loan, interest rate and time limits to secure the loan Determining which closing costs are to be paid by the buyer and which by the seller Tax Implications Selling a home can have a major impact on your federal and state tax returns. Check with your tax consultant on the factors that may affect taxes resulting from the sale of your home. For example: Whether you purchased the home or acquired it by gift or inheritance Whether you used your home partly for business or rental Costs associated with selling your home Home improvements or additions, which may help to offset capital gains The sale of your home. In certain cases you can exclude up to $250,000 in gain ($500,000 for married couples filing a joint return) on the sale of property that was your principle residence for at least two years. Generally, you can use this exclusion every two years. Congratulations! You've successfully weathered the logistics of selling your current home, and you're ready to move on to a new and exciting chapter in your life.As you prepare for the coming changes, check out the Life Advice sections Moving and Buying a Home to aid you in this transition. For More Information 100 Questions Every Home Seller Should Ask Ilyce R. Glink, Times Books $14 Life Advice price $11.20 Call 1-800-793-2665 to order and mention reference number 032-02. Price and availability subject to change without notice. The American Bar Association Family Legal Guide Times Books$34.50 Life Advice price $28 Call 1-800-793-2665 to order and mention reference number 032-04. Price andavailability subject to change without notice. How to Sell Your Home in 5 Days William G. Effros, Workman Publishing $14.95 Life Advice price $8.97 The Consumer Bible, 1001 Ways to Shop Smart Mark Green, Workman Publishing $14.95 Life Advice price $8.97 Tips and Traps When Selling a Home Robert Irwin, McGraw-Hill $12.95 PAMPHLETS FROM THE FEDERAL GOVERNMENT The quarterly Consumer Information Center Catalog lists more than 200 helpful federal publications. For your free copy write Consumer Information Catalog, Pueblo, CO 81009, call 1-888/8-PUEBLO, or find the catalog on the Net at www.pueblo.gsa.gov . A Home for You and Your Family Publication Series, North Carolina Cooperative Extension Service, Housing & House Furnishings, Box 7605, Raleigh, NC, 27695-7605 (single copies free). Also contact the Extension Service office listed in the white pages of your phone book. Related Life Advice pamphlets See the following related Life Advice pamphlets: Buying a Home, Moving, Home Improvement, Homeowners Insurance, Renting an Apartment, Enjoying Retirement and When Your Children Leave the Nest. Helpful Links HomeWEB You'll find consumer information on selling a home from this comprehensive real estate and relocation source. Topics include info on real estate agents, marketing your home, financing & mortgages, sales contracts, pricing your home and more. Basically, this is a great place to start, if you're thinking about selling your home. Audrie's Advice Audrie provides a complete check-list for selling your home without an agent and thereby retaining all the profit for yourself. SellYourHomeYourself.com SellYourHomeYourself.Com is a unique site that helps the For Sale By Owner seller save money. On this FSBO web site you'll find all the resources you need to sell a home yourself. * Because the content of newsgroups and Websites changes constantly, it is impossible for us to review it all. We are not responsible for the content of any of the above links. Return to Federal Citizen Information Center Home Page Printer-friendly page --