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BuyMyself - Canale, IRED Attitude & News Home Directories Int'l Realty US Realty BuyMyself Choosing A Real Estate Agent By Stephen M. Canale, Ann Arbor, Michigan, USA There's a common saying in the real estate industry regarding the vast number of agents in the business: "If you don't have any friends who are agents, then you probably don't have any friends at all." With so many agent out there, how can you make an intelligent decision? Do you choose a friend, neighbor or coworker? Should you work with an agent at a large firm, a small firm, a franchise or an independent? While there's an exception to every rule, and every marketplace has its own nuances, here are some solid rules to apply when you want the best representation to protect your interests. Demand Experience The real estate profession is plagued by high turnover. This creates a workforce that is made up of many newcomers. While there are brand new agents with good intentions, why trust one of the largest investment you'll ever buy or sell to someone without experience? Always look for an agent with at least two years of experience. Anyone still in the business after two years has probably learned at least the fundamentals of real estate. Look for Commitment Another problem we have in the industry is a large number of part time and recreational salespeople. These folks have either retired from some other career, work in real estate seasonally or are earning a second income for the family and honestly don't need to work full time. No matter how long they have been in real estate, their lack of full-time commitment makes it impossible for them to keep up with the vast changes in law, marketing and business practices that are occurring in the profession today. If an agent isn't working at least thirty hours a week, fifty weeks a year, look for someone else. Consider Education In the majority of states, the requirements for real estate licensing are substantially less than those for cutting hair. In Michigan, for example, all that is required is a forty-hour class and a multiple choice test. You cannot rely on licensing to indicate competence. And, unfortunately, many agent's real estate education ends with their pre-license education. While there are numerous advanced real estate education courses available, the only technical and competence based program available nationwide is the Graduate, REALTORS® Institute (GRI) series, which is administered under the direction of the National Association of REALTORS®. A REALTOR® who completes the fifteen eight-hour modules, and passes examinations, may then use the designation of GRI. While only 15%-20% of agents have earned this accreditation, it should not be too difficult finding a GRI in your marketplace as they will commonly print the designation behind their name in advertising as well as on letterhead and business cards. Conduct Interviews Before you hire an agent to help you buy or sell a home, you should interview at least three agents in person. In order to do this, first get recommendations from friends, family and neighbors. Then look on the web, in homes magazines and the local newspaper to see what kind of marketing the various companies are doing in your area and call a few that impress you. Then make brief fact-finding calls to determine which of the agents on your list are full time, experienced and either hold the GRI designation or are at least working aggressively toward it. You will probably need to call ten to fifteen agents in order to find three that are worth interviewing. The interview itself need not be a formal one. It is simply an opportunity for you to meet the candidate and explain your needs; and to determine whether you would be comfortable working with them. Ask whatever questions you like, or simply explain your goals and listen carefully to what they propose to do for you in meeting your needs. The decision If you follow the suggestions above, you will find that there are excellent agents working for firms both large and small; both franchised and independent. Thus, the real decision must be made based on the competency of the individual agent you will be working with on a day-to-day basis. Stephen M. Canale is President, Broker/Instructor of Acclaim Residential Marketing Ann Arbor, Michigan | IRED Home | Search IRED | © 1995-2005 IRED.Com, Inc All Rights Reserved

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Amazon.com: Bob Dylan - No Direction Home: DVD Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! ~Here's to My Cup Being Half F... : A list by Cecelia Davidson Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 54 used & new from $16.99 Available for in-store pickup now from: $24.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Bob Dylan - No Direction Home (2005) Starring: Bob Dylan , Joan Baez Director: Martin Scorsese See larger image Share your own customer images List Price: $29.98 Price: $17.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $11.99 (40%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 54 used & new available from $16.99 Edition: Better Together Buy this DVD with No Direction Home: The Soundtrack (The Bootleg... today! Total List Price: $54.96 Buy Together Today: $37.95 Customers who bought this DVD also bought No Direction Home: The Soundtrack (The Bootleg Series Vol. 7) ~ Bob Dylan The Bob Dylan Scrapbook, 1956-1966 by Bob Dylan Chronicles, Vol. 1 by Bob Dylan Bob Dylan - Don't Look Back DVD ~ Bob Dylan Explore Similar Items : in DVD , in Music , and in Books Storyline Genres: Documentary , Music Plot Outline: This is a four hour documentary on Bob Dylan that ends in 1966. Plot Synopsis: Portrait of an artist as a young man. Roughly chronological, using archival footage intercut with recent interviews, a story takes shape of Bob Dylan's (b. 1941) coming of age from 1961 to 1966 as a singer, songwriter, performer, and star. He takes from others: singing styles, chord changes, and rare records. He keeps moving: on stage, around New York City and on tour, from Suze Rotolo to Joan Baez and on, from songs of topical witness to songs of raucous independence, from folk to rock. He drops the past. He refuses, usually with humor and charm, to be simplified, classified, categorized, or finalized: always becoming, we see a shapeshifter on a journey with no direction home. Product Details Actors: Bob Dylan , Joan Baez , Liam Clancy , John Cohen , Allen Ginsberg , See more Directors: Martin Scorsese Format: Box set, Color, Full screen, Ntsc, Academy Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.33:1 Number of discs: 2 Studio: Paramount DVD Release Date: September 20, 2005 Average Customer Review: Based on 113 Reviews DVD Features: Available Subtitles: English Available Audio Tracks: English (Dolby Digital 5.1), English (Dolby Digital 2.0 Surround) Bob Dylan Performances: Blowin' in the Wind Girl of the North Country Man of Constant Sorrow Mr. Tambourine Man Love Minus Zero/No Limit Like a Rolling Stone One Too Many Mornings Other Features Unused promotion spot for "Positively 4th Street" "I Can't Leave Her Behind" - Work in progress in hotel room Note on DVD sets: During shipping, discs in multidisc sets occasionally become dislodged without damage. Please examine and play these discs. If you are not completely satisfied, we'll refund or replace your purchase. From IMDb: Quotes & Trivia ASIN: B000A0GP4K Amazon.com Sales Rank: #47 in DVD Theatrical Release Information US Theatrical Release Date: July 21, 2005 Production Company: Box TV, British Broadcasting Corporation (BBC), Cappa Production, Grey Water Park Productions, Public Broadcasting Service (PBS), Spitfire Pictures, WNET Channel 13 New York Budget Estimate: $2 Million Also Known As: Bob Dylan Anthology Project Filming Locations: Hibbing, Minnesota, USA| New York, USA Editorial Reviews Amazon.com It's virtually impossible to approach No Direction Home without a cluster of fixed ideas. Who doesn't have their own private Dylan? The true excellence of Martin Scorsese's achievement lies in how his documentary shakes us free of our comfortable assumptions. In the process, it plays out on several levels at once, each taking shape as an unfailingly fascinating narrative. There is, of course, the central story of an individual genius staking out his artistic identity. But along with this Bildungsroman come other threads and contexts: most notably, the role of popular culture in postwar America, art's self-reliance versus its social responsibilities, and fans' complicity with the publicity machine in sustaining myths. All of these threads reinforce each other, together weaving the film's intricate texture. Scorsese's 200-plus-minute focus on Dylan's earliest years allows for a portrayal of unprecedented depth, with multiple angles: a rich composite photo is the result. The main narrative has an epic quality: it moves from Dylan growing up in cold-war Minnesota through Greenwich Village coffeehouses and the Newport Folk Festival, climaxing in the controversial 1966 U.K. tour that crowned a period of unbridled and explosive creativity. In his transition from Robert Allen Zimmerman to Bob Dylan, we observe him concocting his impossible-to-describe, unique combination of the topical with the archaic, like an ancient oracle. Scorsese was able to access previously unseen footage from the Dylan archives, including performances, press conferences, and recording sessions. He also uses interviews with Dylan's friends, ex-friends, and fellow artists, and, intriguingly, with the notoriously reclusive Dylan himself (who looks back to provide glosses on the early years), fusing what could have turned into a tiresome series of digressions and tangents into a powerful whole as enlightening, eccentric, contradictory, and ultimately irreducible as its subject. Some of the deeply personal bits remain unrevealed, but Dylan's preternatural self-assurance acquires a slightly self-deprecating, even comic edge via some of his reflective comments. Alongside the arrogance, we see touching moments of the young artist's reverence for Woody Guthrie and Johnny Cash. Joan Baez, in a poignant confessional mood, comes off well, and the late Allen Ginsberg is so seraphically charming he almost steals the show a few times. A crucial throughline is Dylan's hunger for recognition and ability to shape perceptions so that would be singled out as not just another dime-a-dozen folk singer. It's illuminating--particularly for those familiar with the artist's latter-day aloofness on stage--to see his reactions to audience booing in the wake of his "betrayal" in this fuller context. No Direction Home also makes clear--in a way that wasn't possible in D.A. Pennebaker's iconic Don't Look Back --how Dylan's ability to manipulate his persona always, at its core, protects the urge for expression: Dylan's ultimate mandate, as an artist, is never to be pinned down. As Scorsese masterfully shows, the myth around Dylan only grows bigger the more we discover about him. --Thomas May DVD features : This two-disc set of Scorsese's full two-part documentary includes treats such as Dylan working on a song at his hotel during the UK tour as well as performing several songs as in concert or on TV. More for the Dylanologist No Direction Home: The Soundtrack Chronicles: Volume One (paperback edition) Bob Dylan Scrapbook Don't Look Back The Bob Dylan Bootleg Series The Last Waltz Product Description: The two-part film includes never-seen performance footage and interviews with artists and musicians whose lives intertwined with Dylan’s during that time. For the first time on camera, Dylan talks openly and extensively about this critical period in his career. Customers who viewed this DVD also viewed Bob Dylan World Tours 1966-1974, Through the Camera of Barry Feinstein DVD ~ Bob Dylan The Concert for Bangladesh (Limited Deluxe Edition) DVD ~ George Harrison Cream - Royal Albert Hall - London May 2-3-5-6 2005 DVD ~ Cream Prairie Wind ~ Neil Young Explore Similar Items : in DVD , in Music , and in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 139 of 150 people found the following review helpful: Best Dylan documentary ever , September 13, 2005 Reviewer: David L. Minton - See all my reviews Found this at The Rogovoy Report (He is a cultural critic for WAMC Northeast Public Radio) I've seen the complete No Direction Home Martin Scorsese documentary, upcoming on American Masters on PBS in a couple of weeks (9/26-27), and it's really great. I didn't realize that it includes extensive new interview footage with Bob Dylan himself, appearing in his most straightforward, seemingly normal role EVER -- even more than on the 60 Minutes interview with Ed Bradley -- normal enough almost to take him at his word on his extensive comments on particular songs, his background, incidents in his career, etc. The film includes terrific interviews with dozens of key figures from Dylan's life and career, including Izzy Young, Harold Leventhal, Joan Baez, Paul Nelson, Bob Neuwirth, Al Kooper, Bruce Langhorne, Pete Seeger, Mark Spoelstra, Suze Rotolo , and fortunately, Allen Ginsberg and Dave Van Ronk when both of them were still around. The film also includes a tremendous amount of vintage film clips, concert footage, and still photography, a lot of which I've never seen before -- and I think I have had access to most if not all of the unofficial stuff circulating from that era. It even includes footage from postwar Hibbing, as well as early recordings (some of which of course are reflected in the companion CD "soundtrack"). It includes a lot of Newport Folk festivals and "Eat the Document" era concert and incidental footage in the best quality I've ever seen or heard any of it, and a lot that I don't think was included in the original ETD. The home DVD version also includes extensive full-song versions of concert songs that will not be screened on TV. More important than all these parts, the sum total is a fascinating "interpretation" of how Robert Allen Zimmerman became Bob Dylan up through and including summer 1966, weaved subtly by master filmmaker Scorsese simply through vintage clips, interviews, and really smart editing. The way Scorsese handles the combination of interviews and songs reminds me of The Last Waltz, but he does an even better, more subtle (and more complex) job here. I think it's as valuable a document that has ever been made about Bob Dylan -- as valuable as any book or biography, including Chronicles itself. Now, if only Scorsese spent equal time and effort on 1966-2006, but I imagine that's not likely to happen..... I've gotten some feedback already that Scorsese didn't originate this project and had nothing to do with the original footage, but of course that doesn't matter -- the point is he and/or his team organized it in a way that makes it a coherent narrative, and one with a particular point of view that has the imprimatur of Bob Dylan himself. For those who take issue with that, I suggest, as Dylan himself said all those years ago, eat the document. Was this review helpful to you? ( Report this ) 163 of 172 people found the following review helpful: Not my review, but that of a UK viewer , September 9, 2005 Reviewer: J. Morrison (Texas) - See all my reviews I was very frustrated by the lack of credible reviews, so I hunted down a review from the UK Observer newspaper: "Bob Dylan is a private man who is notoriously camera shy. The TV interview he gave around the publication of his autobiography, Chronicles, last year was his first in two decades, so there was some surprise when Martin Scorsese announced he was making the definitive TV biopic with the man's full co-operation. It seems that in his sixties, Dylan - who has spent so much of his career laying false trails and telling downright lies about himself - has decided it's time to set the record straight and get his version of his life and times on the record, both in print and on film. And Scorsese, who directed The Last Waltz, the 1977 film about Dylan's former backing group, the Band, was the obvious man to do it. Almost four hours long, No Direction Home deals only with the early part of Dylan's career, ending in 1966 and the tumultuous world tour on which he was booed by folk purists unable to accept his new-found rock'n'roll ways. It airs on BBC2 next month and is a riveting piece of film-making that draws on wonderful contemporary footage, much of it previously unseen, as well as revelatory new interviews. Scorsese and his team also turned up a treasure trove of unreleased music, which constitutes the latest volume in the 'official bootleg series' Dylan launched in 1991 to combat the pirates who have conferred on him the dubious honour of being the most bootlegged artist in history." Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 3 people found the following review helpful: Great Documentary, but beware... , December 20, 2005 Reviewer: Piers Montague - See all my reviews This documentary was fantastic. I have no qualms with it. Rather, my problem lies with the extra DVD of 'performances.' I thought, when I bought it, that I'd be able to watch entire filmed performances. This is not the case - the 'performances' are simply the same clips from the documentary, not full performances. So, this is false advertising. Beware. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: For the newcomer into Dylan as well as the longtime fanatics , December 19, 2005 Reviewer: MANUEL J HERNANDEZ "http://askmanny.com" (Orlando, FL) - See all my reviews I consider myself to be somewhere in between newcomers into Bob Dylan's work and his longtime fans. I first started paying close attention to his legacy of work around the turn of the century, and each step of the way I feel more and more respect for what he accomplished and his willingness to take risks and navigate against the current many times. The documentary "No Direction Home - Bob Dylan" by Martin Scorsese, only underscores further what a fantastic artist Dylan is. It follows him from his early days until the time right before his motorcycle accident in 1966, jumping between footage of interviews with the artist, friends, colleagues and people that knew him along the way, and live performances from his 1963-1966 period. Granted that the special features in the DVD set are not particularly special, the 207 minutes the 2-part documentary lasts feel like a short time, when you realize the transcendence of Dylan's work and how he broke new musical ground along the way. "No Direction Home" (a title taken from the lyrics to his classic "Like a Rolling Stone") will entertain and inform newcomers into his music and die-hard Bob Dylan fans alike, as it sheds new light on a fascinating era in our contemporary history. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: Bob Dylan as we have never seen him before , December 17, 2005 Reviewer: Michael Wheeler "Stratocaster" (Las Vegas, Nevada United States) - See all my reviews Every so often something comes out that is extraordinary. Martin Scorsese took the time to put together a documentary of possibly the finest writer of the 20th Century. This shows Dylan from his growing up years in Hibbing Minnesota to his coffee house years in Greenwich Village. For any Dylan fan this documentary is a must. It goes into his rise in detail and has unreleased footage of several performances. Among the performances are This Land is Your Land, which shows Dylan paying tribute to Woody Guthrie. You also hear a rare recording of Song to Woody from his very first album. You hear a Demo of his classic, Dont Think Twice Its Alright. This recording pre-dates the version from the Freewheelin Bob Dylan. The lyrics are the same as the way Peter, Paul and Mary recorded them on their album. Masters of War is live and sounds like the version on the album. I Am A Man of Constant Sorrow is certainly worth the listen.. When the Ship Comes in and Mr Tambourine Man are also very well done. The version of Blowin in the Wind is a disappointment. The second CD is loaded with electric tunes he later did. Dylan himself is interviewed as well as contemporarites such as Joan Baez and others who knew him at the time. Dylan has always been a very private individual so we finally see the man for what he really is, and what he meant to America in the 60's I would not only recommend this to Dylan fans but to any historian who wants to know about Bob Dylan. Martin Scorsese as he did with his blues series has really put a gem together Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: A Portrait of the Artist as An Angry Young Man , December 14, 2005 Reviewer: Trevor Seigler (South Carolina) - See all my reviews In "No Direction Home", Martin Scorsese gives us a rare look at Bob Dylan's pivotal and volatile evolution from a Woody Guthrie copycat to arguably the single most important solo artist in rock history. And he does so with enigmatic clips of the man himself, old and withered, looking back on a time when everything changed not only for himself but for the world of pop music at large. The film, which uses Dylan's 1966 British tour as a frame of reference, looks at Dylan's beginnings in the cold wilds of Minnesota, his move to New York and rise to fame in the folk circles, and the moment that he "plugged in" and revolutionized music forever. Through it all, there is the music, which really gets a better treatment than in most "musician bios". After all, it's the music that made Dylan a landmark cultural icon, and coupled with the various images he adopted over the course of the years (here seen first as a Guthrie acolyte, then a roving folkie, and finally a stoned-out rock god), it is a fitting testament to his aura and appeal. Much like "The Beatles Anthology" some ten years ago, "No Direction Home" uses archival footage and modern interviews blended together to present a seamless look at what was, and what is. Scorsese narrows his focus to the years of 1958 to 1966, during Dylan's groundbreaking debut and transformation from the darling of the folk scene to something much more. He intersperses accounts from contemporaries like Dave Van Ronk, Joan Baez, and Allen Ginsburg with footage of Dylan's performances to make a compelling portrait of an American enigma. That being said, you won't come away from the movie feeling as if you "know" Bob Dylan. Such would be impossible, because in some ways it is his mysterious aura that keeps him in the public eye. But whatever you may feel is lacking in your knowledge of the man, you will come to understand the drive behind his music all that much more. When Dylan first appeared, of course, he was taken up as the second coming of his idol, Woody Guthrie. As he relates in the film, Dylan became disenchanted with the movement and soon began looking for ways out of what he considered a barrier on his artistic growth. What you come away with is the sense not only of how he felt about his transformation to a rock sound, but also how his peers in the folk scene (many of whom praised his early work) felt and why both sides had a right to do so. Bob Dylan's life and work will always be a source of endless fascination for those continuing generations that discover him. In "No Direction Home", Martin Scorsese has given the world a fine look into his most revolutionary period, a time that saw him rise from the Boy-King of the New York folk scene to a pop icon with a poetic license unlike the groups that came before him. And in the middle of the film, Dylan shares the great secret of what fueled all these changes: "A real artist is never satisfied with what he's doing. Once you get comfortable, that's when you die artistically" (or words to that effect). And that, in the end, is the message to take away from "No Direction Home", quite possibly the finest musical biography committed to celuloid. It's a must not just for Dylan fans, but for anyone seeking to make a living as an artist. When you have a guide like Bob Dylan to lead the way, it will always be interesting. Was this review helpful to you? ( Report this ) See all 113 customer reviews... Listmania! Mr. D in the Movies : by Demonic Floyd "Seamus" DVDs Under Under My Bed : by Digifilm-Sales ~Here's to My Cup Being Half F... : by Cecelia Davidson So You'd Like to... Become Familiar with Bob Dylan and His Music : by maxx-mccann , no qualifications Have A Fundamental Bob Dylan Collection : by Mike Vegas King , A Dylan Devotee ~Enjoy These with Snickerdoodles & a Cup of Coffee~ : by Helen Meredith , art teacher Fun Facts from IMDb.com: Nominations Click here to see more Nominations Grammy Awards: Grammy for Best Compilation Soundtrack Album for Motion Picture, Television or Other Visual Media, Best Long Form Music Video Satellite Awards: Satellite Award for Outstanding Documentary DVD Trivia Click here to see more Trivia Martin Scorsese never met Bob Dylan. Columbia/SME Records, Sony Music, and Bob Dylan's management gave Martin Scorsese access to its vaults, something Dylan has never given to any documentary filmmaker. Quotes Click here to see more Quotes Reporter : How many people who major in the same musical vineyard in which you toil, how many are protest singers? That is, people who use their music, and use the songs to protest the uh, social state in which we live today, the matter of war, the matter of crime, or whatever it might be. Bob Dylan : Um... how many? Reporter : Yes. How many? Bob Dylan : Uh, I think there's about uh, 136. [People around him giggle. The reporter doesn't laugh] Reporter : You say ABOUT 136, or you mean exactly 136? Bob Dylan : Uh, it's either 136 or 142. For more information about "Bob Dylan - No Direction Home" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Baez, Joan DVD > Actors & Actresses > ( D ) > Dylan, Bob DVD > Actors & Actresses > ( G ) > Ginsberg, Allen DVD > Actors & Actresses > ( S ) > Scorsese, Martin DVD > Directors > ( S ) > Scorsese, Martin DVD > Formats > Boxed Sets > Documentary DVD > Genres > Documentary > General DVD > Genres > Music Video & Concerts > Artists > Dylan, Bob DVD > Genres > Music Video & Concerts > Classic Rock > General DVD > Genres > Musicals & Performing Arts > Documentary Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . 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Delta Community Credit Union :: Mortgages :: Lot/Land Rates New Page 1 | Technical Support | Contact Us | Apply Online | DECU Service Locator | Signup Reset Access Code Tab Menu Bar Loan Center Mortgages Online Banking Account Services Join DECU Home > Mortgages > Lot/Land Rates 1st Morgages Mortgage Products Online Application Rate Tracker 1st Mortgage Rates Purchase Money 2nd Rates Mortgage Calculators Home Equity Loans Home Equity Products Interest Only Lot/Land Loans Home Equity LOC Rates Home Equity Fixed Rates Lot/Land Loan Rates Lot/Land Rates Effective Date: 12/01/05 Loan Program Term Interest Rate Annual Percentage Rate APR*** Other Requirements 5 Yr. Fixed Rate 5 6.875% 6.875% Maximum LTV* 80% 7 Yr. Fixed Rate 7 7.000% 7.000% Maximum LTV* 80% 10 Yr. Fixed Rate 10 7.250% 7.250% Maximum LTV* 80% 5 Yr Balloon** 5 7.500% 7.500% Maximum LTV* 80% 5 Yr. Fixed Rate 5 7.125 % 7.125% Maximum LTV* 100% Loan amounts up to $75,000 7 Yr. Fixed Rate 7 7.250 % 7.250% Maximum LTV* 100% Loan amounts up to $75,000 10 Yr. Fixed Rate 10 7.500% 7.500% Maximum LTV* 100% Loan amounts up to $75,000 5 Yr Balloon** 5 7.750% 7.750% Maximum LTV* 100% Loan amounts up to $75,000 Automatic Loan Payment Withdrawals: Your loan payment can be payroll deducted or automatically transferred from your DECU checking or savings account or an outside institution. The payment frequency can be semi-monthly or monthly. Rates are subject to change without notice. The above loan product information is applicable as of the effective date shown. * LTV - The relationship between the amount of the mortgage loan and the value of the real property expressed as a percentage. The LTV is calculated by dividing the amount that you owe on the property by the value of the property. ** Lot/Land Balloon loans are amortized over a 20-year term. *** APRs are based on a $25,000.00 loan amount. Search www.decu.org Terms & Conditions of Use | Privacy Statement | Browser Compatibility | Legend | Other DECU Sites |

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