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GreenStone FCS - Farm Loans - Real Estate Loan Products - Michigan and Northeast Wisconsin Farm Credit Services Greenstone FCS - Farm Credit Services for Michigan and Northeast Wisconsin - farm loans, country home loans, crop insurance, peril insurance, real estate leases, operating, equipment, facilities and other agriculture related expenses About GFCS | -- Contact Us | Locations -- ONLINE BANKING LOGIN Register Here Username Password Username Password -- -- -- -- -- -- -- OTS Loans Operating Loans Capital & Intermediate Term Loans Capital Lines of Credit Trade Credit Products Real Estate Loans Leasing Products About Country Living Vacant Land Loans Construction Loans Residential Real Estate Loans Agricultural Real Estate Loans Recreational Land Loans Operating, Equipment, & Machinery Loans Leasing Products Crop Insurance Life Insurance Appraisal Services Farm Cash Management Tax Services Farm Recordkeeping GFCS Property for Sale National Discount Programs Online Banking Loan Calculators Interest Rates with Terms & Conditions Loan Application Important Links Weather & News About Us Contact Us Events Company History Jobs Branch Locator News & Press Releases Stock Plan Home / Farm Loans / Real Estate Loan Products Real Estate Loan Products Agricultural Real Estate Loans Finance or refinance farm land purchases, land contracts, and improvements to farm land and structures, taking advantage of a variety of interest plans and terms ranging from five to 30 years. Residential Home Loans GreenStone provides residential home loans and specializes as a niche leader in home-site, construction, and home loans. Customers can finance to purchase, build, remodel, and/or refinance their home with fixed or adjustable rate programs. If your dream home is in the country, choose GreenStone and you will get the rural expertise found nowhere else. Tools Use our loan calculator to estimate your payment amount. Use our maturity date loan calculator to select a maturity date for a loan amount and determine the amortization period in years and months. Apply Online Interest Rates Loan Calculators Lease vs. Buy Important Dates Links Site Map | Security & Privacy Policy | Equal Housing Lender © 2004-2005 Greenstone Farm Credit Services.

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Capital One: Credit Cards, Auto Finance, Loans, and Savings Accounts Credit Cards Auto Loans Savings Home Loans Healthcare Finance Personal Loans Insurance Small Business Credit Cards Rewards Account Auto Savings Line of Credit Contact Us Help Site Map Credit Cards Auto Loans Savings Home Loans Healthcare Finance Personal Loans Insurance Small Business Credit Cards No Hassle Miles Cards Other Rewards Products Auto Savings Line of Credit New? Register here Login Requirements • Beware of fraudulent e-mails • Capital One Bowl and Mascot Challenge Credit Cards Mail Offers Personal Small Business Auto Loans and Insurance New/Used Refinance Insurance Savings High Yield Savings CDs Money Markets Home Loans Home Equity Refinance Purchase Small Business Credit Cards Loans Line of Credit Other Loans Personal Loans Healthcare Finance Auto Loans Blank Check ® auto loans Rates as low as 5.39% No money down Learn More Auto Loans as low as 5.39% APR 30-36 Mo What’s my mortgage payment? Loan Amount: $ Interest Rate: % Loan Term: 30 20 15 Years Other Calculators About Capital One | Investors | Press | Careers | Education | Capital One does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site. Read additional disclosures . Site Map | Privacy | Security | Terms and Conditions Capital One Bank, Capital One, F.S.B., members FDIC. ©2005 Capital One Services, Inc. Capital One is a federally registered service mark. All rights reserved. Blank Check ® is a registered trademark of Capital One Services, Inc. Equal Housing Lender Credit Cards | Auto Loans | Savings | Home Loans | Insurance | Healthcare Finance | Personal Loans | Small Business

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CBS News | Be Your Own Real Estate Broker | May 21, 2004 22:03:39 CBSNews.com The Web Home | U.S. | World | Politics | SciTech | Health | Entertainment | Business | Opinion | NEW --Strange News | Sports | Public Eye | Interactives | FREE CBS News Video The Early Show | CBS Evening News | 48 Hours | 60 Minutes The Saturday Early Show -- | CBS Sunday Morning | Face The Nation | Up To The Minute | Build Your Own Newscast Main Page Living HealthWatch Leisure Series The Saturday Early Show Chef On A Shoestring Second Cup Caf Ask Mike Up Next Program Facts Bios Contact Info Inside Scoop Contributors Bios Special Report Money Matters Early Show financial adviser Ray Martin offers tips to keep your financial house in order. Interactive U.S. Markets History of trading and definitions of key terms RELATED STORIES & LINKS Let The House Hunting Begin Tips For Those Diving Into The Real Estate Market This Spring Taking A Home Equity Loan? Be Careful What You Use The Money For Home Mortgage Rates Up A Bit Both 30 and 15-Year Rates Up, Ending A Three Week Stretch Of Drops Inflation Isn't A Problem Consumer Prices Dip 0.2 Percent In November, After Flat October Be Your Own Real Estate Broker NEW YORK, May 22, 2004 (CBS) The housing market is hot. In fact, homes are in such high demand that many sellers are wondering if they even need to hire a real estate agent to broker the deal. Financial adviser Ray Martin gave some tips on The Saturday Early Show for owners who want to sell a home themselves. Home values are up, mortgage rates are low and properties in hot markets are selling in days. The only fly in the ointment for many sellers is the traditional six percent commission paid to real estate brokers who make the deal. As home values continue to skyrocket, the broker commission skyrockets as well. Meanwhile, it seems as though these brokers are doing nothing more than watching the home sell and then collecting a large commission. The thought of having to pay brokers $10,000 or more to sell a home that fetches a buyer in less than week is causing many sellers to stop and think: "Do I really need to spend that money?" FSBO (For Sale By Owner) can be a good option for some people, Martin says. If your home is in a hot location, at a price that is affordable to many potential buyers, and similar homes are in short supply, this can be a good strategy. But, Martins says, FSBO is not for everyone. The following are three potential pitfalls of being your own broker: Setting A Price: The housing market is constantly changing and you really need to have a good feel for the market in order to set a reasonable price. You don't want to lose money by naming a price that's too low, but your don't want to frighten buyers away by over-charging. Getting the Word Out: Putting a "For Sale" sign in your yard is probably not going to sell your house. Most buyers don't have time to cruise around neighborhoods, searching for signs. When you list your home with a broker, they place your information in the area's MLS (Multiple Listing Service). This alerts all real estate agents in the area that your home is for sale -- making it easy for them to pinpoint potential buyers and bring them by for a visit. You can't do this alone. Becoming Emotionally Involved: Selling a home is the second-most emotional transaction you'll ever make, Martin says, second only to buying a home. Mixing emotion and business is not a good thing. If a buyer comes through the door and immediately points out your home's flaws instead of the beautifully restored floors or lovingly painted walls, it's going to hurt. You may be tempted to turn down this buyer's offer, even if it's fair. This is where a realtor can help. It's not a home to them, it's a business deal -- one they want to close quickly and collect on. Despite these pitfalls, Martin says he is not trying to steer everyone away from selling their homes themselves. He says you need to be aware of the pitfalls and if you think you can tackle them, give it a try -- particularly if you're in a hot market. You can try FSBO for a set amount of time, and if you're not successful, you can turn to a broker. If nothing else, use the knowledge that you could be your own broker to negotiate a commission with your broker. That storied six percent is a result of tradition, not law; nowhere does it say that you have to pay brokers six percent. There are conflicting numbers on how many homeowners are selling their homes themselves. About 14 percent of sellers went solo in 2003, according to the National Association of Realtors. The Boston Globe newspaper reviewed sales in its area and found that closer to 25 percent of sales were FSBO. There's no question that there are a lot of services targeted to sellers looking to go FSBO. If you are looking for an alternative to a traditional real estate agent, here are some popular options: Flat Fee Brokers: There seem to be two major players here -- Help-U-Sell and Assist-2-Sell . Both companies are franchises that connect you with local licensed real estate agents. You show your home yourself, and these agents perform all other duties of a traditional broker. The best part, Martin says, is that you pay them one flat fee that varies based on home's value and location. If you pay them a little more, the realtors from these companies will show your house too. An example: a Help-U-Sell customer in Chicago was selling his home for $345,000. The six percent commission would have totaled $21,000. Instead, he paid Help-U-Sell $4,950 to sell his home. If the agent lists your home on the MLS, and another broker brings you a buyer, you will have to pay that broker their two or three percent commission. FSBO Marketing: Other companies such as FSBO.com and ForSaleByOwner.com offer you a variety of marketing options at different price points. You can choose to have your home listed on the companies' Web sites. You can pay more and have yard signs and color brochures designed for your home. Pay even more and have a virtual tour included in your home's listing. Each company is different and offers different packages. Martin says the ultimate packages, which costs $500 or more, allow you to list your home on the MLS -- the same place real estate agents list houses. Again, there's a catch here: if a buyer is brought to your home by an agent who saw the listing on MLS, you do have to pay that broker's two or three percent commission. Negotiated Broker Commission: Again, Martin says you don't have to pay a six percent commission. So don't! In fact, commissions now average a bit over five percent, according to a survey by Real Trends publishers. If your home is on the expensive side and in a hot market, have a serious conversation with your potential broker. Remind him or her that if you list with them, they will get paid. But if you strike out on your own, they get nothing. Isn't one or two percent better than nothing? MMIV, CBS Broadcasting Inc. All Rights Reserved. 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Colorado HomeFinder | Longmont Real Estate, Search Longmont Homes for Sale in the MLS Call 800.231.9153 | Contact Us If you already have an account, sign in here Longmont Colorado Real Estate - find out first about the newest Longmont real estate listings! You learn about Longmont homes for sale the day they hit the market - before other buyers. Automated HomeAlert emails you new listings that fit your personal home search criteria and gives you access to all the Longmont Colorado real estate listings. It's easy - Just submit your email address and home search criteria. Your email is not shared or sold to anyone. You incur no obligation or cost for this free Longmont real estate service. Our Privacy Policy: We respect your privacy. All information provided is strictly confidential and you can unsubscribe at any time. Colorado HomeFinder will never sell or share your information with any outside parties. Click here to review our Privacy Policy . 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Single Family Condominium or Townhome Any Property Price Range: * From Price.. 75,000 100,000 125,000 150,000 160,000 170,000 180,000 190,000 200,000 210,000 220,000 230,000 240,000 250,000 275,000 300,000 325,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 - To Price.. 100,000 125,000 150,000 175,000 200,000 225,000 250,000 260,000 270,000 280,000 290,000 300,000 310,000 320,000 330,000 340,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 10,000,000 Min Bedrooms: 1 2 3 4 5 Min Bathrooms: 1 2 3 4 Min Square Feet: No Preference 500 600 700 800 900 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 2,700 2,800 2,900 3,000 3,250 3,500 3,750 4,000 4,500 5,000 6,000 Age of Home: No Age Preference New Construction Only 5 years or less 10 years or less 20 years or less Older than 50 years City Preferences: * Longmont Select at least one city... Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Contact Information Name: * First Name: Last Name: E-mail: * (Valid email address is required to receive listings) Re-enter E-mail: * Phone Contact: * Home Phone: Work Phone: Information that will help us serve you better Your level of Interest: * I have a HIGH interest in buying a home and am ready to start visiting homes now. 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Maine Waterfront Real Estate Listings - Coastal Maine's Oceanfront Real Estate Specialists Bob Fenton & Marjorie Crowley Maine's Oceanfront Real Estate Specialists Exclusively Representing Coastal Maine Real Estate Buyers 800-293-4416 We're your Maine real estate guides and regional advisors. We make it easy for you to fulfill your dream of owning real estate in Maine. You'll get to know the Maine real estate marketplace from the comfort of your home or office. You'll put our years of real estate brokerage experience and coastwise knowledge to work for you right away. Call to discuss your Maine real estate search. Visit bobfenton.com often for the most up to date real estate listings. Oceanfront property listings including Camden Maine real estate, York Maine and Boothbay Maine real estate. We are the Maine's oceanfront real estate specialists offering a wide variety of oceanfront real estate and lakefront real estate. Search Maine Property Listings : P referred B uyer's S ervices Get FREE access to all coastal Maine real estate listings. See every real estate listing on the coast of Maine. Get Daily E-Mail Alerts of new listings and price changes. Never Miss Another Listing . Coastal Maine Real Estate Listings Tour of Coastal Maine Real Estate Listings Here's an easy way to get a feel for what's going on in real estate on the coast of Maine. Our selection of: Coastal Maine Waterfront Listings Maine Waterfront Homes Over $5 Million Over $2 Million Over $1 Million $900,000 to $1 Million $800,000 to $900,000 $700,000 to $800,000 $600,000 to $700,000 $500,000 to $600,000 $400,000 to $500,000 $300,000 to $400,000 $150,000 to $300,000 Maine Waterfront Condominiums Maine Antique Homes Built Before 1800 Over $1 Million $500,000 to $1 Million Under $500,000 Maine Bed & Breakfasts Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non-commercial use only. Dimensions are approximate. All data should be independently verified. © 2005 Maine Real Estate Information System, Inc. All Rights Reserved. Exclusive Buyer's Brokers for Maine RealEstate We are professional buyers brokers offering exclusive representation for all Maine properties. We provide complete loyalty without conflicts of interest on your purchase of Maine real estate. Your confidentiality is of utmost importance while buying any coastal Maine property. We help you analyze all sales data to determine the true property value of your new Maine home. Our tough negotiating tactics work to get you the best price and terms on your new home in Maine. Maine WebCams : Coastal Maine Web Cams Take a "virtual tour" of coastal Maine. Visit Web Cams on the coast. We sincerely enjoy introducing people like you to the scenic beauty of coastal Maine. One of our most popular links. Maine Lighhouses : Maine's Most Photographed Icon If you like lighthouses, Maine is Mecca. Maine is host to many of the nation's oldest lighthouses. Navigating the coast of Maine presented quite a challenge in the early days of coastal trading. With all of the small islands, rocky outcroppings, ledges and reefs, the dangers of sailing the coast were great. There are more than 60 lights cloistered along the 3500 miles of Maine's convoluted and rocky coast. Our tour consists of over 30 Lighthouses and some Lighthouse Web Cams along the coast of Maine. Maine Maps : Detailed Area Maps & Regional Info. Local Information, with maps of towns or regions. Links to area's Chamber of Commerce, local on-line news, ferry service to area islands, and an ariel photo of the community. Get the local area information you need to make a wise real estate buying decision.Resources for ordering maps of Maine and everybody's favorite book about life in Maine: "Moving to Maine" Your personal guide to Maine realestate Put our years of real estate experience and regional coastwise knowledge to work for you. We've learned about all the complexities that surround your unique search for Maine property.With our help, your real estate decisions will be made with complete confidence. You'll be sure you've made the right choice because you've got all the information you need to make a wisedecision. It begins by having an experienced real estate broker on your side. Before you know it, you'll be wondering why youtook so long to make the move. And chances are you'll call Maine your home, even if you're a seasonal resident. Call to discuss your search for Maine real estate. 800-293-4416 Search Maine Real Estate Listings | Maine Modular Home Builder | Maine Custom Home Builder Maine Life | Maine Home Buying Tips | Maine Broker Profile Maine Lodging | Maine Travelogues | Why You Need a Buyer's Broker | Client Testimonials