Land Loan Tools  

Indymac Bank Construction Lending Indymac Bank home   |   about us   |   contact us   |   privacy   |   ID notice   |   security   |   careers    1-800-HCL-LOAN (425-5626)   HCL for Individuals   Main Page   Get To Know Us   Get Started Now!   My Project Application   My Loan Information Loan Products   ·   Construction-to-Permanent Loan   ·   Remodeler Loan   ·   Bridge Loan ·   Lot/Land Loan Tools   ·   Line Item Budget Calculator Find A Builder --   ·   Cost To Build Calculator -- Event Calendar -- Help   ·   FAQs   ·   Glossary Customer Service --   ·   Contact Us Lot/Land Loan Found the perfect location to build your dream home ...and now you need the perfect loan? Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Indymac Bank will fund your Construction-to-Permanent Loan once you're ready to build. · Loans to $500,000. -- Frequently Asked Questions Check to view all answers. Q. How do I know where I should build my home? A. Location may be one of the most important factors to consider. Although many people have a geographic location in mind, some are open to alternatives. It's important to consider your lifestyle (and those you'll be living with) as well as the cost. If you're planning a family, schools will be important. If not, you may want to consider other factors such as proximity to work, or accessibility to the beach, the mountains or leisure activities. Q. What is a "finished lot"? A. A "finished lot" refers to a portion of land that already has road access and utilities in place to the lot boundary. Additionally, it has been approved by the city or county as a separate parcel of land on a parcel map. Q. Can I buy a piece of land that is not a finished lot and save some money? A. While it may be possible to purchase an unfinished lot, generally this is not advisable for an individual building their own home. The costs of bringing roads and utilities to the first lot in a new area are usually very high. Typically, the first person to build pays for others who will build later. There are land developers who specialize in preparing lots for building (this may include zoning and/or soils issues, as well as bringing roads and utilities to the site, and creating a building pad). Often, these lots are in a planned community. Q. What do you mean by "planned community"? Aren't all communities planned? A. No, many older communities were not planned; they evolved. Certainly, as a city has grown, plans have taken shape. But in many cases the nucleus of a community was started many years before the community or city planning existed. In many instances, it is this unplanned characteristic that gives a community its charm. A planned community, in contrast, generally offers a specific style and certain amenities at a package price. Depending on the size and location of the community, these amenities may include greenbelts, landscaping, biking trials, swimming pools, even schools and shopping centers. Some amenities, such as the community pool and greenbelts, are paid for through a homeowners' association. Others are paid through taxes or mello roos. Still others are design enhancements intended to encourage potential buyers to purchase in an area or to attract more commercial business. Many of the more costly amenities included in a planned community may not be affordable for a homeowner on an individual basis. However, some of these amenities may not be important to you. After all, priorities, like lifestyle, vary. If you select a home in a planned community, you'll generally have a more structured community where decisions are made jointly rather than by the individual homeowner. These community decisions include individual home design and landscaping. While some homeowners may consider this an acceptable trade-off to ensure an attractive environment, others may consider it an infringement on their rights. It's important that you know how you feel before selecting the type of lot you want. Q. Can tax bases differ within the same community? A. Yes, they can. While some cities already have parks, schools, and streets, newer communities built within the same city may have special assessments that cover the costs to develop or maintain new or existing parks, schools, streets, etc. These assessments may be for a prescribed period of time or may continue indefinitely. A little research goes a long way. Here again, a good real estate agent or title company officer can often provide you with this information. Q. I've found the perfect location, but I'm not ready to build my dream home. Can I obtain financing for the land only? A. Yes, you can obtain a Lot Loan. Typically, this is short-term financing for the purchase of a residential lot suited for future construction. This loan allows you time to select an architect, builder, and design your dream home. IndyMac Bank's Lot Loan program allows you to finance up to 50 acres. And when you're ready to build, we offer a one-time close Construction-to-Permanent Loan. ^ back to top Still have questions? Call toll-free 1-800-HCL-LOAN (425-5626) to speak with a construction loan specialist, or downloada copy of our booklet (pdf) that answers the most frequently asked questions about building your own home. Information Center · Glossary · FAQs -- FAQs · Get To Know Us · Building Your Dream Home Magazine (pdf) · Owner Builder Guide (pdf) Consumer Guide to Construction Financing (pdf) Did You Know A Construction Loan Is A Reimbursement Loan? (pdf) subscribe now -- Get Started Now! Apply online 24 hours a day, 7 days a week, and get a loan approval in minutes! get started -- e-mail/mail us | 1-800-HCL-LOAN (425-5626) Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback -- ©2005 IndyMac Bank, F.S.B. Registered trade/service marks are the property of IndyMac Bank, F.S.B. and/or its subsidiaries.

Property Search

Great Arkansas Treasure Hunt Online Services | Privacy | Accessibility | Security Search Instructions: Any name which begins with the letters you enter will match, so entering BROW will match Brower, Browning, Brown, etc. You may also specify part of the first name, by entering the complete last name, a comma, and the first part of the first name. For example BROWN, J will match 'Brown, John' but not 'Brown, Brad'. Enter a last name to search for: Auditor of State Jim Wood's "Notice of Names of Persons Appearing to be Owners of Abandoned Property" (not Real Estate) MILLIONS OF DOLLARS ARE WAITING TO BE CLAIMED! If your name is on this list, State Auditor Jim Wood may have money waiting for you. The names on this list have been reported to the Auditor of State Unclaimed Property Division as persons who may be entitled to abandoned or unclaimed property. Each year millions of dollars in unclaimed property - uncashed checks, bank accounts, utility deposits, and stock certificates - are turned over to the State by companies who cannot locate the owners. Some of this money could be yours! Information concerning the amount of money and the name and address of the holder of the account may be obtained by persons possessing an interest in the account. If your name appears on this list , please download a claim form. E-Mail: The Great Arkansas Treasure Hunt Write: The Great Arkansas Treasure Hunt 1400 West Third Street, Suite 100 Little Rock, AR 72201-1811 Call: 1-800-CLAIM-IT (1-800-252-4648) or 501-682-9174

Denver real estate ,

Denver Real Estate - Find Realtors and Denver Homes using Realtor.com DENVER REAL ESTATE Are you looking for real estate in Denver or the surrounding area? Realtor.com has great information about Denver real estate , Denver neighborhoods and suburbs, new and existing Denver homes, and Denver-area Realtors. When it comes to real estate, Denver is a competitive market. Realtor.com stays on top of it for you, offering you the most comprehensive and current directory of Denver real estate listings you'll find anywhere. Take a look at the Denver real estate information you'll find at Realtor.com: Denver Homes: Realtor.com has over two million active home listings nationwide. If a Realtor is listing a home in Denver or the surrounding area, you'll find it at Realtor.com, along with relevant details like description, property photos, maps, and neighborhood information. Realtor.com's listing of Denver real estate includes both existing Denver homes and new construction, so no matter what your taste or budget, you'll find plenty of home options. Denver Realtors: Almost anyone can sell you real estate, but only Realtors are backed by the National Association of Realtors and are bound by its strict Code of Ethics. Realtor.com is the headquarters for Denver Association of Realtors and is eager to help find a Realtor near you. Home Buying Help: Realtor.com has the information you need for buying real estate in Denver. For all sorts of real estate information -- ranging from how to sell your present home to real estate tax information to finding a competitive local mortgage lender or contractor -- Realtor.com helps you from start to finish.

Buy Property

British Expat: Expat World: Moving to Spain: Buying Property in Spain - the Rights Group glossary British Expat Magazine | British Expat Forum | British Expat Country Forum | British Expat Classifieds | British Expat Mail | British Expat Shop British Expat Tax Havens Banking Anonymous ATM Cards BVI IBC Panama Company Gibraltar Company News, humour and information for Brits worldwide! Sitesearch powered by Web British Expat BE HOME PAGE EXPAT WORLD Resources Bulgaria France Germany Ireland Malta Poland Spain Moving to Spain English Lessons Features Switzerland Bahrain Cambodia China India Indonesia Israel & Occupied Territories Korea Malaysia Singapore Thailand Turkey Australia Fiji New Zealand Samoa Canada Costa Rica Mexico USA Botswana Ethiopia Ghana Malawi South Africa Tanzania Tunisia Uganda ABOUT BE Spain > Moving to Spain > Buying Property in Spain - the Rights Group glossary Buying Property in Spain - The Rights Group's Glossary of Property terms by Mark FR Wilkins Our colleagues at Overseas Property Professional have reported that Britons have spent £12 billion on second homes over the last two years, based on new statistics from the UK Office for National Statistics. Apparently, Britons are spending £6 billion a year on the purchase of second homes a staggering £4 billion more than two years ago. We at The Rights Group felt it would be useful to put together a glossary of terms that we use every day but which may be a little alien to would-be property purchasers in Spain. We are constantly striving to increase the level of information available to Northern Europeans who may be attracted to the idea of buying in Spain but who may equally be daunted by the press in recent months, which has portrayed our market as a den of thieves. It's not, particularly if you approach it with your eyes wide open seeking advice and assistance early in your quest for your dream property and making certain that the professional advice you receive is wholly independent. We see this as a "living" glossary, so if you come across words and phrases that could usefully be added please let me know at mark@therightsgroup.com . We hope you'll find it useful. Abogado Lawyer Adosado - Semi-detached or town house Aire acondicionado Air conditioning Agua Water Agua potable Drinking water Albañil - Bricklayer Alfombra - Carpet Amortización - Depreciation, Redemption Antigüedad(es) / Tienda de Antique/Antique shop Aparcamiento - Parking Arquitecto - Architect Armario Cupboard, wardrobe Asesoría Económica Accountant, Financial adviser Balcón Balcony Banco/cuenta de/tarjeta de - Bank/bank account/bank card Baño Bath/WC Barbacoa Barbecue Basura - Rubbish bins and rubbish taxes Bombilla Light bulb Buzón - Mailbox Caja de Ahorros - Savings bank Calefacción central Central heating Campo - Countryside Cargas Land charges registered against the property Carpintero Joiner Casa unifamiliar - Detached house Casita - Cottage Certificado registral - Certificate showing debts attaching to a property Chalet Villa Cocina Kitchen Comedor Dining room Comunidad de propietarios Committee of property owners Constructor - Builder Construido - Built area, of property Construir - Build Contable Accountant Contrato de Compraventa Privado - Property sales contract Costa del Sol Sun Coast Costa de la Luz Coast of Light Costa Blanca White Coast Corriente - Electricity Cortijo - A country property inland with farming roots Cuarto de Baño - Bathroom Cuenta de Banco - Bank account Documento privado - Private document Documento público - Public document Dormitorio - Bedroom Ducha Shower Duplex Apartment over two floors Ebanista Joiner Edificio Building Electricista Electrician Escayolista - Plasterer Escritura - Deeds of ownership Escritura pública de compraventa - Title Deeds Euribor Variable interest rate set by European banks Fontanero - Plumber Finca Farm house or small estate Fin de Obra Formal Completion of Works on a new property Fuente - Fountain Garaje - Garage Gas Butano Butane gas, often used for cooking and water heating Gestoría Specialists used to obtain official authorisations, permits and licences Habitación A Room Hipoteca - Mortgage IBI: Impuesto sobre Bienes Inmuebles - Property tax levied yearly Impuesto extraordinario sobre el patrimonio - Wealth Tax - extraordinary tax on assets Impuesto sobre el Incremento del Valor de los Terrenos - Tax on the increase of land value Impuesto sobre el patrimonio - Capital gains tax Incremento de patrimonio A Capital gain Inmobiliaria/agente - Estate agent Inversión en terreno - Land investment ITP Impuesto sobre Transmisiones Patrionales - Property Transfer Tax of 7% levied on all re-sale property IVA VAT Jardn - Garden Ladrillo Brick Libre de cargas Debt free Libro del edificio - Documents from the promoter when building is finished Licencia de obra - Building permission Licencia de prima ocupación Licence to occupy a completed property Limpiadora Cleaner Luz - Electricity Madera Wood Mármol - Marble Martillo - Hammer Metros cuadrados Square metres units floor area is measured in N.I.E. - Identity Number for Foreigners required for a property purchase Notario - Notary records the legal details of property and land sales Nota Simple - Certificate from Property Registry Obra nueva - Document certifying a new building Oferta vinculante - Bank document specifying mortgage conditions Ordenador Computer Pago en efectivo - Cash payment Parcela - Lot or plot Pestillo Door lock Pintor - Painter Piscina - Swimming pool Piso - Apartment Playa - Beach Plusvalía - Municipal Capital gains tax on the sale of property Poder Power of Attorney Pozo - Well Préstamo Loan Préstamo con techo Loan with variable interest with fixed minimum and maximum Préstamo hipotecario - Mortgage loan Pueblo - Town or village Puerta - Door Registro de la Propiedad - Register of Property Ownership Representante fiscal Foreigner's official tax representative Resale Property A second hand property, already registered at the property register in Spain. Residencia - Residency permit Residente - Resident Sala, salón - Lounge Se vende or en venta - For sale Se alquila For Rent Sevillana - Electricity company Seguro de amortización de préstamos - Loan repayment insurance Seguro Multirriesgo Hogar - House insurance Señal Deposit or down payment Solar - Lot for building Sótano Basement Subasta - Auction Tarjeta de Banco - Bank card Tasación - Independent valuation of property Tasa de cambio Exchange rate Tasadores Official Bank Valuers Techo - Roof Teja - Roof tile Terraza - Terrace Terreno - Land, plot of land Terreno en venta - Land for sale Terreno para construir - Building land on the Costa del Sol Tipo de interés - Rate of interest Título de propiedad - Deeds stating the ownership of property, date of sale etc. Trastero - Storeroom Valor Catastral - Assessed value of property for tax purposes Vidriero Glazier Yesero - Plasterer Yeso Plaster Compilation © Mark F R Wilkins 2005 (Marbella) Mark F R Wilkins The Rights Group SL email: mark(AT)therightsgroup.com website: www.therightsgroup.com tel.: +34 600 343 917 +34 952 930 435 Other links in this section Buying Property in Spain - the pitfalls! Why are property prices going through the roof? Relocation, Relocation, Relocation - Deciding to Move Buying Habits and New Hot Spots What made me up sticks? Relocation, Relocation, Relocation - Arriving in Spain Relocation, Relocation, Relocation - Checklist for a move to Spain Relocation, Relocation, Relocation - Sun, Sea and Risk The Rights Group Guide - How to Avoid... Part 1 Expat Websites in Spain Other relevant BE pages English Lessons: The Bonk On The Bitch English Lessons: A Lesson At Christmas English Lessons: The Pain In Spain English Lessons: Get Into The Bit English Lessons: Strong Arms And The Law English Lessons: Tiptoe Through The Tutus English Lessons: Chicken Chests And Cheeps English Lessons: Never Forget Lesson Number One English Lessons: Lesson Number One English Lessons: May And Daisy, Sam And Ella Canada for Brits: Property Canada Property: A Land of Opportunities Expat Resources: Property Tax: Let Property Property: UK Property Links Property: Investing in property Property index Expats Near You: Spain Spain Features: Fiesta Fireworks! Spain Features: Siesta in the Sierra Spain Features: I'm Turning into a Nomad (Part One) Spain Features: I'm Turning Into A Nomad (Part Two) Property: Selling your home in the UK Property: UK Buy to Let Spain Features: Hiring a Car in Spain Spain Features: Renting a Villa - Tips Spain Features: Having a Baby in Tenerife Spain Features: Feria at Sierra de Yeguas Spain Features: Renting a Villa Spain Features: Learning Spanish Spain Features: Shopping in Spain Spain Features: Timekeeping in Spain Back to Top EXPAT SERVICES Webmail Newsletter Send free eCards Buy BE stuff! BOOK NOW Flights Top Deals Hotels Holidays Published by British Expat Ltd © 2000-2005 All rights reserved Your use of this site constitutes acceptance of our Terms & conditions Privacy policy | Security policy | Morality policy | Advertising policy | Contact us Powered by Typo3 with additional scripting by ICi Technology Many thanks to sillyart.com for the "man with suitcase" logo

Buy Home

Adbusters Culturejammer Headquarters Sharon Is Terrorist Number 2 by Avi Shlaim George W. Bush may claim that Ariel Sharon is a “man of peace,” but his track record suggests a different title. Over a 50-year military and political career, Sharon has been responsible for incalculable civilian trauma. from Adbusters #63» Moral Midgets of the Year We say farewell to 2005 with a look at four of the year's most embarrassing newsmakers: stars of less-than-stellar virtue whose shenanigans got them little more than a stern finger-wagging. from Adbusters #63» Putin is Terrorist Number 1: by Boris Berezovsky Humble Economists: by Paul Ormerod more magazine features » more Adbusters.org exclusives » Buy Nothing Day 2005 A big congrats to all those who (did not) participate! Finds out what went on in the name of nothing in our 2005 wrap up. Kick it Over! Students — join your Campus JammerGroup and jam your Econ. department. -- Red Dot Contest September and October winners – come and get your free shoes! Blackspots & Paris Fashion » Shareholder Discounts » Win a Pair of Blackspots » Select One TV Turnoff Unbrand America Antipreneur Drugtaker Blackspot Sneaker Blackspot Music True Cost Eco Media Carta Corp. Crackdown Buy Nothing Day CURRENT TOPICS: Does Media Activism have a future? Is the world becoming more precarious? Is environmentalism dead? more forum topics» Visit the gallery » | what is RSS? The Adbusters newsletter connects you with 84541 other cultural creatives. Watch our punchiest videos » France Norway Japan BAP France Sweden Subscribe | About Us | Contact Us | Submissions | Reprints | Media | Donate