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Lifestyles: House & Garden index Search: on the Web in Xtra in Yellow Pages in White Pages Home | XtraMail | Xtra Products | Xtra Broadband | Xtra Mobile | My Account | Help Hotmail | People & Groups | Search XtraMSN Lifestyles House & Garden Fashion & Beauty Food & Drink Health & Fitness House & Garden Motoring Relationships & Family Look It Up Careers Horoscopes My Money Personals Real Estate Travel Advice TV Listings Search Lifestyles for: Lifestyles Archives Messageboards Other News Music Entertainment Travel On Your 027 Mobile Ringtones Wallpapers Info Alerts Games Specials, Offers & More Win Outdoor Furniture! Resene Colour Free Movies For 2 Weeks To make the most of Broadband content you should have the following plugins: What is Broadband? Requirements & Help Today in House & Garden Mitre 10 Installing A Garden Watering System 22/12/2005 - Mitre10 Watering Systems are an easy and efficient way to keep your garden looking its best all year round. A watering system lets you relax while it does... more... Advertisement DIY & Renovations brought to you by Mitre 10 photos.com Make Your Kitchen Safe For Children The kitchen is potentially the most dangerous place in the... more... How To Make A Picnic Table DIY Safety Tips The DIY & Renovations Archives... Gardening brought to you by Mitre 10 XtraMSN Walk The Wild Side With Wildflowers Wildflowers create an enchanting, romantic patch within your... more... Prepare Your Pool For Party Season Brighten Things Up With Container Gardens The Gardening Archives... Home Design brought to you by Mitre 10 Trends Creating A Peaceful Space A private outdoor extension of a master bedroom, this... more... In The Hunt For Style? Try This... More Room For You To Move The Home Design Archives... Interiors Trends Living Proof Strong textural contrasts and an adventurous use of pattern... more... Cool, Clean Lines For Cooking Creating A Calm Interior The Interiors Archives... Gardening Calendar January February March April May June July August September October November December Living Areas Trendsideas Home With A Heart Of Glass Colour-backed glass, crisp stainless steel and sleek white... more... Ebony And Ivory Add A Touch Of Class Let The Sunshine In Lifestyles Competitions WIN: Baby's Portrait Package From Patrick Bellett Baby's first smiles, first words, first steps are so special. more... WIN: A $20 Subway Voucher Subway is toasting a decade of tasty freshness and has ten $20 vouchers up for grabs.... more... Mitre 10 How to... Choose a DIY or Renovation Project... Ageing New Furniture Beware The Wood Borer! Building A Picnic Bench Building A Retaining Wall Caulking A Bathtub Choosing A Lock - 1 Choosing Locks 2 Hand Saws Part 1 Hand Saws Part 2 Hand Saws Part 3 Handy Hints For Insulating Floors How To Lay Paving - Part One How To Lay Paving - Part Two How To Make A Sandpit How To Make A Slat Bed How To Make Your Home Child Safe Looks For Outdoor Entertaining Make A Padded Headboard Making A Coffee Table Making A Spice Rack Making Stilts For Kids Preventing Damp In The Home Protective Wear For DIY Work Sanding Machines Sanding Timber Floors 2 Sanding Timber Floors 3 The Idiots Guide To Container Planting! Timber - Part 3 Tips For Restoration Tips For Tiling Floors Tips For Tiling Walls Unblocking Your Drain Using Water From Your Roof Advertisement Mitre 10 Features Win Outdoor Furniture! Christmas Gift Ideas! DIY Essentials! Keep Cool in Summer! Advertisement Paint & Paper New Products Decorating Inspiration Paint Your Home Colour Tools Advertisement Advertisement Real Estate Landscapers Plumbers Builders Painter/Decorators Houses for Sale Bayleys Mahanga Sands One of New Zealand`s favourite aquatic playgrounds, Mahia... more... Beyleys Stately 150 Year-old Brick Homestead The homestead - built in 1852 the 5 bedroom triple brick home... more... Bayleys A Natural Haven The European-influenced home enjoys unrestricted views of... more... Advertisement Home Finance Westpac Home Loans Budget Calculator Five-Star Home Loans Wizard Home Loans Sitemap | Contact Us ©2005 Xtra Limited. Site Policies , Terms & Conditions , Advertise on XtraMSN

Real Estate Investment

Real Estate Investing Courses Rated and Reviewed Real Estate Investing Depot Directory of Real Estate Investing Resources - courses, books, tapes, services and software Rated and Reviewed . to our "What's New" Newsletter! NEW Resources! NEW Forms! NEW Articles! NEW Reviews! Two FREE Books! Search options Visit REIdepot.com Shop DIRECTORY real estate authors / gurus top rated resources what's new what's popular modify listing getting rated MORE RESOURCES real estate news search foreclosures real estate articles real estate forms freebies real estate glossary current newsletter newsletter archives REIdepot toolbar MESSAGE BOARDS real estate and business law Ray Como's Kingdom real estate software tax lien/tax foreclosure wholesaling and marketing Canadian real estate investing buy and sell books, courses real estate classifieds LINKS links submit link other resources links to real estate forums REIDEPOT.COM NEW ARTICLES Take Away Power For Real Estate Investing by Derek Pierce 1031 Exchange and Tenancy-in-Common: Seeking the Right Advisor to Achieve TIC Investment Objectives by Cary Losson Investors - How To Buy a House For Your Rent To Own Inventory by Bob Pappas Buying Pre-Foreclosures by Marc Rasmussen Be a Real Estate Investing Expert - In An Instant by Steve Majors More Real Estate Articles REAL ESTATE SEMINARS 3-Day UGLY House Boot Camp by Steve Cook MOST POPULAR Probate Profit Machine! Wholesaling for Quick Cash Motivated Seller Magnet Real Estate Domain Names Real Estate Article Directory RESOURCES 1311 listed Welcome to the Real Estate Investing Depot , your guide to Real Estate Investing Resources. Whether you're a newbie or a seasoned investor looking for real estate investing Courses , Books , Software and Services , you will find it here. All listed resources are Rated and Reviewed not by the "Experts", but by investors themselves. Get started by browsing our directory below. COURSES Financing, Fixer-Uppers and Flips, Foreclosures, Lease Options, Marketing, Notes, Subject To, Tax Sales And Liens, More... BOOKS Financing, Fixer-Uppers and Flips, Foreclosures, Legal, Marketing, Notes, Tax Sales And Liens, Wealth Creation, More... SOFTWARE Bookkeeping and Accounting, Calculators, Home Buying, Legal, Notes, Property Management, REI Analysis, More... TAPES Financing, Fixer Uppers and Flips, Foreclosures, Lease Options, Marketing And Negotiation, Notes, More... 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Home Mortgage

Wisconsin Department of Veterans Affairs Primary Mortgage Loan Page | Home | About WDVA | Current Events | Forms & Brochures | News & Publications | Federal Veterans Benefits | State Veterans Benefits | Eligibility | Education Programs | Emergency Grants | Employment Assistance | Help for the Homeless | I Owe You Program | Job Retraining Grants | Loans | Military Funeral Honors | Transportation to VA Medical Appointments | Veterans Cemeteries | Veterans Homes | Veterans Memorials | Veterans Museum | Veterans Service Offices | Women Veterans | Veterans Links | Site Map | Contact WDVA | Wisconsin Department of Veterans Affairs "Making a difference in the lives of Wisconsin Veterans" > Home > State Veterans Benefits > Loans > Primary Mortgage Loan Home Loan How to Apply | Requirements | Eligibility Current Interest Rate 5.99% Don't miss out on the ADVANTAGES of a WDVA Primary Mortgage Loan! Finance up to 95% of the purchase price of an existing home or cost to construct a new home. Refinance the balance due on mortgage loans. 30-year Fixed Rate -Lower monthly principal and interest payments that will never increase. Low down payment (5% down). Low closing costs, no points . No prepayment penalty. WDVA pays the loan origination fees of veterans with 30% or more service conected disabilities. No private mortgage insurance (PMI). Lenders require PMI for loans with less than a 20% down payment. Wisconsin offers a state veterans home loan program, entitled the Primary Mortgage Loan (PML), that is different from the USDVA Home Loan Guaranty Program. The state veterans home loan may be used for: Purchase or purchase and improvement of a single family home or condominium. Construction of a new single family home. Purchase of certain existing 2 to 4-unit owner occupied residence. (Must be occupied as borrower's principal residence.) Refinance of the balance due on existing mortgage loans used for purchase, construction, or improvement of a residence. COMPARE MONTHLY PAYMENTS for a $250,000, 30 year, 5% down Conventional WDVA Savings Rate 5.85% 5.99% P&I $1,475 $1,497 PMI $163 $0 Payment $1,638 $1,497 $141 SAVE $1,692 ANNUALLY Requirements The state veterans home loan is available to: Eligible Wisconsin veterans. Members and former members of the National Guard and Reserve who have completed 6 years of continuous service under honorable conditions. Unremarried spouses and dependent children of eligible deceased veterans. Eligibility Before you can apply for a loan you must establish eligibility for Wisconsin veterans benefits and then obtain a Certificate of Eligibility. Contact your County Veterans Service Office for assistance. If you have had past benefits with WDVA, you can obtain your Certificate of Eligibility on our Web site. How To Apply Bring your WDVA Certificate of Eligibility to a participating lender when you apply for your state veterans home loan. Local banks, savings and loans, credit unions, and mortgage brokers participate in our home loan program. For More Information For loan-specific questions, call 1-800-WIS-VETS (947-8387), or email the Loan Section . For eligibility and application process questions, contact your County Veterans Service Office . The information above regarding WDVA loans is not all-inclusive and may change without notice. WARNING: The WDVA receives a statewide support lien docket listing all individuals who have a delinquent child-support obligation in Wisconsin. According to state law, the WDVA may not approve a Primary Mortgage Loan or a Home Improvement Loan for any applicant on the docket unless the applicant provides one of the following items: Provides a statement signed by the Wisconsin Department of Workforce Development or its designee showing that all delinquent obligations have been paid. A copy of a child-support repayment agreement that has been kept current for the six month period before the date the WDVA receives the application as long as no lien exists. Wisconsin Department of Veterans Affairs 30 W. Mifflin Street • Madison, WI 53703 (608) 266-1311 or toll-free 1-800-WIS-VETS (947-8387) Legal Notices and Disclaimers Email: Webmaster

home equity loan, ask

Shopping for a Home Equity Loan? -- Search: FTC Consumer Alert PDF Version Shopping for a Home Equity Loan? If you decide that the timing’s right for a home equity loan, ask your friends or family for recommendations of lenders. Then, comparison shop . Comparing loan plans will help you get a better deal. Contact several lenders, not just the ones that send you mail, call you, or knock on your door. Talk with banks, savings and loans, credit unions, mortgage companies, and mortgage brokers. Remember, brokers don’t lend money: they help arrange loans. Ask all the lenders you interview to explain the loan plans they have for you. If you don’t understand any loan terms and conditions, ask questions . They could mean higher costs. Knowing just the amount of the monthly payment or the interest rate is not enough. Pay close attention to fees , including: the application or loan processing fee, origination or underwriting fee, lender or funding fee, appraisal fee, document preparation and recording fees, and broker fees which may be quoted as points, origination fees, or interest rate add-on. If points and other fees are added to your loan amount, you’ll pay more to finance them. Also ask for your credit score . Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences – like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts — is collected from your credit application and your credit report . Creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points — your credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments when they’re due. Negotiate with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know that you’re shopping for the best deal. Ask each lender to lower the points, fees or the interest rate. And ask each to meet — or beat — the terms of the other lenders. Before you sign, read the loan closing papers carefully . If the loan isn’t what you expected or wanted, don’t sign the loan. Either negotiate changes or walk away. You also generally have the right to cancel the deal for any reason — and without penalty — within three days after signing the loan papers. The lender must return any money you’ve paid to date. Your Credit Report Because your credit report is an important part of many credit scoring systems, it’s very important to make sure it’s accurate before you submit a credit application. To get copies of your report, contact the three major credit reporting agencies: Equifax: (800) 685-1111 Experian (formerly TRW): (888) EXPERIAN (397-3742) Trans Union: (800) 916-8800 These agencies may charge you up to $9.00 for your credit report. To Learn More For more information about shopping for a home equity loan and a glossary of home loan terms, call the FTC’s Consumer Response Center toll-free at 1-877-FTC-HELP (382-4357). Ask for a free copy of Looking for the Best Mortgage: Shop, Compare, Negotiate ; and Home Equity Loans: The Three-Day Cancellation Rule . Or visit us online at ftc.gov . Lender A Lender B Lender C What are the monthly payments? What is the Annual Percentage Rate (APR)? (the cost of credit expressed as a yearly rate; includes the interest rate, points, broker fees, and other credit charges) What is the interest rate? (the cost of borrowing money expressed as a percentage rate) Will the interest rate change? When? How often? By how much? What will you have to pay in points? What will you have to pay in fees? Application or loan processing fee Origination or underwriting fee Lender or funding fee Appraisal fee Document preparation and recording fees Broker fees Other fees Are any of the application fees refundable if you don't get the loan? How many years will you have to repay the loan? Is this an installment loan or a line of credit? Is there a balloon payment? What are the total closing costs? If you use a broker, how will he or she be paid? Does the loan include optional credit insurance? (You don't have to accept optional credit insurance to get your loan.) If you want optional credit insurance, can you pay for it monthly instead of financing the premiums as part of your loan? Did you get a copy of your credit score? Can you afford this loan? The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. January 2001

Buy House

Homes for Sale, Foreclosures, Real Estate Listings :: Buy a House, Sell Your Home at House.com -- "Thank you for all you did to help us get into our new home" -The Meyer Family House.com Sections Find an Agent Foreclosure search -- Check House Value Tips for Buying a House Apply for Mortgage -- Agents Sign Up Here -- Current Rates 30-year fixed: 5.78 % 15-year fixed: 5.18 % 1-year ARM: 4.06 % -- House.com is the 2nd Most Visited Real Estate Site* We are the Nationwide Leader in Connecting You to Top Real Estate Agents. Getting Started 1. Select below a state you want to buy or sell a house in. 2. Fill out our simple form to find top real estate agents. This service is absolutely free with no obligations . Click here to find an Agent » Alabama Alaska Arizona Arkansas California Colorado Connecticut 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 North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming We are a Licensed New York State Real Estate Broker. Home | About Us | Contact Us affiliate program --| Privacy Statement | Terms And Conditions | Jobs | Agents Glossary | Site Map | Press Releases | Exclusive Leads | Census Utah Real Estate | Salt Lake City Real Estate Utah Real Estate Agent | Salt Lake City Real Estate Agent *ComScore Media Metrix Report, week ending September 26, 2004