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Real-Estate-Agents.com: Directory of Agents in US / Canada Real-Estate-Agents.com Find Real Estate Agents in the US and Canada HOME || Contact Us Directory of Real Estate Agents This site is a "no bells, no whistles" directory of links to real estate agents in the US and Canada. Somewhere in here is the house or property of your dreams! It's our goal to list more agents than any other directory, both residential or commercial. If you know an agent who would like to be added, please navigate to the regional listings and look for the "Add your Agency" link near the bottom of the page. We hope our listings help your real estate search, but please note that local real estate agents we list are responsible for their own websites and their own business practices. REAL ESTATE AGENTS: UNITED STATES Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. 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 Tips and Articles REAL ESTATE AGENTS: CANADA Alberta British Columbia Manitoba New Brunswick Newfoundland Nunavut NWT Yukon Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan REAL ESTATE AGENTS: OTHER Europe Other Areas BACK to TOP Shopping | Privacy | Contact Us

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Buying a Home - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Buying a Home Information by State Esta página en español Print version Email this to a friend Counseling and Education Housing counseling agencies can give you advice about buying a home. Find a housing counselor near you. Common questions Homeownership videos More from HUD Mortgage glossary FHA mortgage limits HUD approved lenders HUD approved condos Healthy homes Environmental maps Energy info About appraisals Links Rural housing loan programs Loan programs for veterans Freddie Mac Fannie Mae US Postal Service Mover's Guide The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! Nine steps to buying a home Figure out how much you can afford Know your rights Shop for a loan Learn about homebuying programs Shop for a home Make an offer Get a home inspection Shop for homeowners insurance Sign papers Step 1: Figure out how much you can afford What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The calculators below can help, but it is best to visit a lender to find out for sure. How much home can you afford? Buying vs. Renting Need help with your downpayment and/or closing costs? Homebuying programs in your state A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that downpayment! Find a housing counselor near you Step 2: Know your rights Fair Housing: Equal Opportunity for All - brochure Real Estate Settlement Procedures Act (RESPA) Borrower's rights Predatory lending Back to Top Step 3: Shop for a loan Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan. Looking for the best mortgage: shop, compare, negotiate - brochure Let FHA help you Step 4: Learn about homebuying programs Homebuying programs in your state FHA loan programs offer lower downpayments and are a good option for first-time homebuyers. Let FHA help you HUD's special homebuying programs Good Neighbor Next Door Program - for police officers, teachers, firefighters and emergency medical technicians Homeownership for public housing residents Indian Home Loan Guarantee Program (Section 184) Step 5: Shop for a home Choose a real estate agent Wish list - what features do you want? Home-shopping checklist take this list with you when comparing homes Homes for sale (including HUD homes) " Fixer-uppers " - home purchase and repair programs Manufactured (mobile) homes Build a home If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing. Back to Top Step 6: Make an offer Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale. Making an offer Step 7: Get a home inspection Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs. For Your Protection Get a Home Inspection Step 8: Shop for homeowners insurance Lenders require that you have homeowners insurance. Be sure to shop around. Homeowners insurance 12 ways to lower your homeowners insurance costs Step 9: Sign papers You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign! Settlement Costs and Helpful Information Content updated December 1, 2005 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

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Property investment UK - property market for home and business - Interactive Investor Skip navigation Site Shares Thursday 29 December 2005 Home / Property Register | My Account | About Us | Site Map | Glossary | Help | T&Cs | Logout Home Investing News Markets Portfolio Share Dealing Level 2 / Tools CFD Trading Spread Betting ISAs Funds Property Community Personal Finance Planning Mortgages 1st Time Buyers Remortgaging Buy to Let Buying Abroad Calculators Credit Cards Loans Savings Banking Pensions Insurance Life Insurance Tax Cut Your Bills UK property investment information UK property investment information. Find property in the UK or abroad or value your home. Investment property news and property market guides. Search for residential or business property in UK or abroad. Mortgages, conveyancing, plot search and more. Property investment UK - search for and buy property Property UK Property How £1,000 can transform your home With fewer active buyers in the market, if you want to sell your home you need to make it stand out from the rest. Here are our tips for sprucing up your property without breaking the bank more Property Investment Courses UK and overseas property investment education from Inside Track Seminars. Book your free 2 hour workshop Date / Location 02/01/2006 , Kettering 02/01/2006 , Southampton 03/01/2006 , Heathrow 03/01/2006 , Hinckley 04/01/2006 , Nottingham 04/01/2006 , Watford 07/01/2006 , Gatwick 08/01/2006 , Gatwick 09/01/2006 , Newcastle 09/01/2006 , Worcester 10/01/2006 , Newcastle Upon Tyne 10/01/2006 , Shrewsbury 11/01/2006 , Sunderland 11/01/2006 , Walsall 12/01/2006 , Guisborough 14/01/2006 , Manchester 15/01/2006 , Manchester 16/01/2006 , Basildon 16/01/2006 , Bournemouth 16/01/2006 , Middlesbrough 17/01/2006 , Durham 17/01/2006 , St. Albans 17/01/2006 , Winchester 18/01/2006 , Ascot 18/01/2006 , Gosforth Park 18/01/2006 , Milton Keynes 19/01/2006 , Oxford 21/01/2006 , Birmingham 22/01/2006 , Birmingham 23/01/2006 , London Course Time Seats Required 1 2 3 4 Find a UK Property Maximum price No maximum £10,000 £20,000 £40,000 £30,000 £50,000 £60,000 £70,000 £80,000 £90,000 £100,000 £125,000 £150,000 £175,000 £200,000 £225,000 £250,000 £300,000 £350,000 £400,000 £450,000 £500,000 £600,000 £700,000 £800,000 £900,000 £1,000,000 £1,250,000 £1,500,000 £1,750,000 £2,000,000 £2,250,000 £2,500,000 £2,750,000 £3,000,000 No maximum Minimum bedrooms No minimum (incl. studio) 1 2 3 4 5 6 Area or postcode (e.g. York, Yorkshire or YO1) Business Property Finder Find a Business Property Property type: All Commercial Property Catering Empty/Vacant Premises Industrial Site/Unit Investment Properties Land/Development Sites Large Corporate Companies Leisure,Pubs and Hotels Motor Related Office Space Retail Showrooms Warehouses Other Property location: Spain Rest of Europe USA Rest of the World Republic of Ireland Northern Ireland Channel Islands Scotland UK - Nationwide All Locations Bedfordshire Berkshire Bristol Buckinghamshire Cambridgeshire Cheshire Cleveland Cornwall County Down Cumbria Derbyshire Devon Dorset Durham East Sussex East Yorkshire Essex Gloucestershire Greater Manchester Hampshire Herefordshire Hertfordshire Humberside Isle of Man Isle of Wight Kent Lancashire Leicestershire Lincolnshire London Merseyside Norfolk North Wales North Yorkshire Northamptonshire Northumberland Nottinghamshire Oxfordshire Pembrokeshire Shropshire Somerset South Wales South Yorkshire Staffordshire Suffolk Surrey Tayside Tyne and Wear Warwickshire West Midlands West Sussex West Yorkshire Wiltshire Worcestershire Tenure (Freehold, Leasehold): All Leasehold Freehold Property as Your Pension Should you bet your future on a house? Acres have been written on the benefits of SIPPs, but in practice there are complications. more Buying Property Abroad Find a Property Abroad Daltons property search worldwide Findyourproperty.com French-property.com French-property.eu.com Lighthouse - Properties in Spain Overseashomesearch.co.uk The safe way to buy in Spain Guiding you to your Spanish home: 10,000 properties, strict Code of Ethics, accredited agents more Buy to Let Housing associations Letting your investment property through a housing association saves landlords hassle and provides a guaranteed income. more Best Mortgage Rate 4.84% Go Value Your Home Enter Postcode: Free area report Detailed report Promotion Request FREE brochures on investing in properties abroad. More... Property Investment Newsletter Sign up here: Go Manage? | Register? Promotion A new auction website to help you find Spanish property bargains. More... 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Home Equity Conversion Mortgage

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