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Champaign & Urbana Illinois real estate listings, home buying, seller financing and relocation information 217-355-1404 Sell a House Buy a Home Contact Us Resources Investors Home Sell Your House In 7 Days or Less! We buy houses in Champaign, Urbana, Savoy, Mahomet, St Joseph, and Tolono. Check our real estate inventory of homes for sale with owner financing! No realtors or agents needed. Do you have a house that you need or want to sell fast? Would it help if we could provide you immediate debt relief, by taking over your mortgage payments for you? Good News! We have several innovative programs that will allow you quick solutions to sell your house in 7 days or less, and move forward with your life. You may need to sell your home for many different reasons * Job Transfer * Divorce * Behind on Payments * Lose Your Job * Buying Another House * Need Repairs * In Foreclosure * Tired of Being a Landlord * Inheritance * Making 2 House Payments * Health Problems * Bad Tenants Learn how to sell your house in 7 days or less. Get your FREE Special Report by clicking here Creative Real Estate Solutions for Champaign Urbana Illinois If you own real estate in the Champaign Urbana area, we can help. Palm Harbor Services, Inc is a real estate investment group. We are not a real estate agency or brokerage firm. We specialize in creative real estate solutions in Champaign County . We are not Realtors, we are investors. We don't want to list your house, we want to buy it! There is no doubt that Champaign Urbana Illinois is a great place to live. Owning real estate has many advantages, however if you need to sell fast, there are many disadvantages too! If you have ever tried to sell a house before, whether you used a Realtor, tried for sale by owner, or any other method, you'll agree that there is a lot of grief and stress involved. When will I find a buyer? Should I have another open house? Is my buyer financially qualified to buy my real estate? How much will I have to pay in real estate commissions?, etc. Will my house ever sell? SELL YOUR HOUSE FAST! We have years of specialized knowledge in both creative and conventional real estate. We've worked on both sides of the fence before and have been involved in Millions of dollars of real estate transactions in the Champaign Urbana area. If you want to eliminate the nightmare of selling your house on your own, or the hassles of listing with a realtor, here are just a few of the benefits of how we can help. We can offer you a variety of options to get your home sold quickly, without hiring an expensive Realtor Company! We can close Fast! You can sell your house in as-is' condition! You can move when you want to! You never pay a real estate commission! You get Fast Debt Relief from your mortgage payments! We have solutions for many situations, including if your house needs repairs, your relocating, behind on payments, in foreclosure, etc. What our clients are saying . . . . I received a post card in the mail. I read the card and gave them a call. We talked about how they could buy my house and take a BIG load off of my shoulders. They did just that, and did all of the work. It helped out a lot! There name is in my cell phone, and if anybody I know needs help, they will be the first people called! Joe Henderson We Have Solutions That Allow You To Move On With Your Life There are many Realtors in the area who could list your house for sale. However, after signing a listing agreement with a Realtor, you will have to sit on the sidelines and wait to see what the market does for you. Sometimes you will have to wait, and wait and wait! Due to circumstances out of your control, there are many houses that will not sell fast in the conventional market. For a lot of people, this may cause a financial strain on you. If your house is vacant, how long can you afford to make payments on a vacant house? Ask us about our Lease-Purchase Program . . . We Can Help! There is no guarantee that a Realtor can sell your house. And if they can, you may have to wait up to 6 months or more to get to the closing table. You will then have to pay your realtor thousands of dollars in commissions. Do you want to go through the realty circus, or do you want to sell your house now? If the circumstances are right, we can pay cash and close when you are ready. If your house doesn't qualify for our Cash-Purchase Program, there is a great chance that it will qualify for our Lease-Purchase Program. Since we are not Realtors, we don't charge you any commissions or fees. We also won't tie up your property for 6 months or more trying to sell it. We can buy your house quickly and relieve you from the financial burdens of mortgage payments right away! If you have a house that you want to sell right now, please complete the Fast Offer Form , and we can provide you with a fair firm offer in 48 hours! Special FREE Champaign Urbana Report We have prepared a special report that we can provide you absolutely free of charge. If you own real estate in the Champaign Urbana area, or any of the following cities; Mahomet, (Saint) St Joseph, Tolono, Thomasboro, or Rantoul, you can get your copy of this Free Report now! In the Free Report you will learn the details on How To Sell Your House in 7 Days or Less . You will discover your options and alternatives, and how to move forward with the next step. To Order Your Free Special Report On How To Sell Your House in 7 Days or Less Complete the form below and your report will be immediately sent to your inbox. Name: Address: City: State: Zip Code: Email: How did you find our company? select one The Homefinder A For Sale sign Postcard Thrifty Nickel Internet Search News-Gazette Business Card Referral Other Palm Harbor Services, Inc. | P.O. Box 7167 | Champaign, IL 61826 Search for Lenders serving Champaign and Urbana Illinois | Online Real Estate Schools



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Feds probe real estate agents - Apr. 22, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | Feds probe real estate agents Money magazine investigation shows Justice Dept. looking into anticompetitive practices. April 22, 2005: 5:27 PM EDT By Jon Birger, Money Magazine NEW YORK (CNN/Money) - Did you pay your real estate broker too much? The U.S. Department of Justice may be set to turn Tulsa, Okla. into a test-case for ending the stranglehold 6 percent commissions have over the real estate brokerage business. MONEY has learned that Justice's Antitrust Division is gathering information on the bully tactics that full-commission brokers in Tulsa allegedly use against their discount rivals to discourage commission-cutting. The probe follows other recent efforts to spur competition in the real estate industry. According to a copy of a Justice Department subpoena obtained by MONEY, federal investigators are seeking information on "possible anticompetitive conduct in the provision of real estate services in the Tulsa area" as well as "documents related to refusal to cooperate on real estate transactions." An Antitrust Division spokeswoman confirmed the existence of the investigation but declined to provide additional details. Al Unser, executive director of the Greater Tulsa Association of Realtors said: "We received a CID [civil investigative demand] from the Justice Dept. and we have responded." Economists who study real estate, such as the University of Cincinnati's Norm Miller, believe anti-competitive behavior is the primary explanation for the persistence of the 6 percent commission. J.D. Smith and Bob Meyer are two Tulsa discount real estate agents who say they were interviewed by federal investigators. They say the investigators wanted information on full-commission agents' alleged refusal to show home-buying clients properties listed by discount brokers -- a tactic known as boycotting. Boycotting exploits the one major weakness of the multiple listing service. The MLS's upside is that it centralizes all homes for sale in a single electronic marketplace that can be accessed by all agents -- and these days by Web-savvy consumers as well. The downside is that brokers must depend on one another to help sell their homes, and that discourages them from undercutting each other's commissions. While boycotting the listings of discounters is generally considered an antitrust violation -- if undisclosed, it's also a breach of fiduciary duty to clients -- industry insiders are well aware that boycotting goes on, even if they claim not to condone it. For Smith, the Feds' investigation comes a year or so too late. His realty business on the brink of ruin, Smith recently abandoned discount brokerage and went back to charging 6 percent. "In one week," Smith said, "I've had more showings and more offers from other realtors than I had in the previous two months." The Tulsa investigation is part of an ongoing Antitrust Division foray into the sharp-elbowed realty world. In March, the Antitrust Division sued the Kentucky Real Estate Commission over a state law that prohibits real estate brokers from offering commission rebates to consumers. More recently, Assistant Attorney General R. Hewitt Pate sent letters to lawmakers and regulators in Oklahoma and Texas, urging them to reject proposals that would effectively prohibit brokers from engaging in limited-service or fee-for-service realty -- such as listing a home for sale on the multiple listing service for a flat fee of $500. Bruce Hahn, chairman of the American Homeowners Grassroots Alliance, argues that state prohibitions on rebates and fee-for-service discourage competition and inflate commissions paid by consumers. "We've talked to Justice, and we think what they're doing is tremendous," he said. E-mail Jon Birger at jbirger@moneymail.com. The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Real Estate Antitrust Division Corporate Governance Oklahoma or Create your own Manage alerts | What is this?



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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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