Home Mortgage

NYS Banking Department-Residential Home Mortgage Rates from HSH Associates Interest Rate Information Mortgage Rates The information contained in this section provides a sample of the mortgage rates by region across the state. The entities listed for each region are representative of the mortgage lenders in the region. This is by no means an exhaustive list, nor is it meant to be. The rates listed may not be the most competitive you can find and are meant only to convey a range. The Banking Department recommends that consumers shop around to find the rates and terms that fit their needs by contacting a variety of mortgage lenders including commercial banks , savings banks and mortgage bankers . The Banking Department warns home buyers and owners to carefully review the terms of any loan and to consult a lawyer before signing any documents. For more information and tips on mortgages, read Shopping for a Mortgage: What you need to know in the consumer section of this Website. Capital Region Warren, Washington, Saratoga, Schenectady, Albany,Rensselaer, Greene and Columbia counties Central New York Cayuga, Oswego, Onondaga, Cortland and Madison counties Finger Lakes Region Orleans, Monroe, Wayne, Genessee, Wyoming, Livingston, Ontario, Seneca and Yates counties Long Island Nassau and Suffolk counties Mid-Hudson Sullivan, Ulster, Dutchess, Orange, Putnam,Westchester and Rockland counties Mohawk Valley Oneida, Herkimer, Hamilton, Fulton, Montgomery and Schoharie counties New York City Kings, Queens, Brooklyn, Bronx and Richmond counties NYC Co-operative Apartment Loans Five Boroughs plus North Country Jefferson, Lewis, St. Lawrence, Franklin, Clinton and Essex counties Southern New York Steuben, Schulyer, Chemung, Tompkins, Tioga, Broome,Ostego, Delaware and Chenango counties Western New York Niagara, Erie, Chautaqua, Cattaraugus and Allegheny counties First and Junior Lien Mortgage Loans- Calculate Your Payments Interest Rates in Text (for Downloading) Note: The Banking Department provides external links as a public service. The inclusion of, or linking to, other Web site URLs does not imply our endorsement of, nor responsibility for, those Web sites, but has been done as a convenience to our Web site visitors. Mortgage Rates provided by HSH Associates, Financial Publishers, Pompton Plains, NJ 800-873-2837 | Home | Search | SiteMap | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified October 17, 2005 FastCounter by bCentral

Land Loan LoanUniverse Community

LoanUniverse Community > Commercial Land Loan Help - Search - Member List - Calendar Full Version: Commercial Land Loan LoanUniverse Community > Community Forums > Loanuniverse Forums Marnie1065 Dec 6 2005, 08:37 PM Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks loanuniverse Dec 7 2005, 09:27 AM Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. lelting Dec 14 2005, 10:48 PM I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV LenderBuddy Dec 15 2005, 10:55 AM If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. This is a "lo-fi" version of our main content. To view the full version with more information, formatting and images, please click here . Invision Power Board © 2001-2005 Invision Power Services, Inc.

Home Equity

Home Equity Loans: The Three-Day Cancellation Rule -- Search: FTC Consumer Alert PDF Version Home Equity Loans: The Three-Day Cancellation Rule If you’re considering applying for a personal loan and using your home to guarantee repayment, you should know that a federal credit law gives you three days to reconsider a signed credit agreement and cancel the deal without penalty. Your "right to rescind" or "right to cancel" is guaranteed by the Truth In Lending Act. You can rescind for any reason but only if you are using your principal residence—whether it is a condominium, mobile home, or house boat—as collateral, not a vacation or second home. Under the right to rescind, you have until midnight of the third business day to cancel the credit transaction. Day one begins after all three of the following occur: you sign the credit contract; you receive a Truth in Lending disclosure form containing certain key information about the credit contract, including the annual percentage rate; finance charge; amount financed; and payment schedule; and you receive two copies of a Truth in Lending notice explaining your right to rescind. For rescission purposes, business days include Saturdays but not Sundays or legal public holidays. For example, if the events listed above take place on a Friday, you have until midnight on the next Tuesday to rescind. During this waiting period, activity related to the contract cannot take place. The creditor may not deliver the money for the loan. If you’re dealing with a home improvement loan, the contractor may not deliver any materials or start work. If you decide to rescind, you must notify the creditor in writing. You may not rescind by telephone or in a face-to-face conversation with the creditor. Your written notice must be mailed, filed for telegraphic transmission, or delivered if by other written means, before midnight of the third business day. If you cancel the contract, the security interest in your home is also cancelled, and you are not liable for any amount, including the finance charge. The creditor has 20 days to return all money or property you paid as part of the transaction and release any security interest in your home. If you received money or property from the creditor, you may retain it until the creditor shows that your home is no longer being used as collateral and returns any money you have paid. Then, you must offer to return the creditor’s money or property. If the creditor does not claim the money or property within 20 days, you may keep it. If you have a bona fide personal financial emergency—such as damage to your home from a storm or other natural disaster—the law allows you to waive your right to rescind and eliminate the three-day period. To waive your right, you must give the creditor your own written statement describing the emergency and stating that you are waiving your right to rescind. The statement must be dated and signed by you and anyone else who shares in ownership of the home. But remember: if you waive your right to rescind, you must go ahead with the transaction. The right to rescind does not apply in all situations when you are using your home for collateral. Among the exceptions are: when you apply for a loan to buy or build your principal residence; when you refinance your loan with the same creditor who holds your loan and you don’t borrow any additional funds; or when a state agency is the creditor for a loan. In these situations, you may have other cancellation rights under state or local law. The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. May 1998

Property Search | Property

New Skys - the easiest way to search for overseas property New Skys Home My Portfolio New Skys Magazine Properties of the Week New Skys News Feedback Site Map Advanced Search NewSkys Forum Currency Converter Maps Weather Select a Country Tell a Friend Click here to subscribe to New Skys News, our FREE weekly newsletter. Featuring: Our Top Story The latest property news Articles and Properties of the Week Email ALERT! It has come to our attention that there are a number of emails circulating, purporting to come from New Skys. Read More Contact NewSkys Head Office 18 The Green, Richmond, Surrey, TW9 1PX Tel: +44 845 330 1449 info@newskys.co.uk Currently featuring 22,524 properties and 1,790 articles Whatever kind of overseas property you are looking to buy,a detailed search on New Skys is the quickest way to find it. A new way to sell overseas property, click here to view powerpoint presentation (1MB). We now cover Australia , Barbados , Bulgaria , Canada , China , Costa Rica , Crete , Croatia , Cyprus , Dominican Republic , Florida , France , Greece/Greek Islands , Hungary , Italy , Malta , Montenegro , Morocco , Northern Cyprus , Portugal , Slovakia , Slovenia , South Africa , Spain , Thailand , Turkey , and United Arab Emirates . - and there's even a Magazine section to give you background information and help you through the buying process. How to Advertise with us One of the best starting points for anyone looking for a home abroad is to attend as many exhibitions as possible. But where do you find the details in advance? Who knows when there's a show in your area? New Skys News does. Simply click here and before you know it you'll be stepping through the front door of your new home. Read more The white stuff Read more Costa Blanca investment Read more Dubai in detail Read more Successful pitch Read more Where on Earth? A different type of matchmaking service Read more Archive Property News Location: FETHIYE, TURKEY Price: FROM £170,000 FETHIYE, TURKEY Given the time of year, Turkey could not be a more appropriate destination to consider and you are unlikely to be bored with the country by Boxing Day – unlike the feathered variety! In fact, there’s so much to do and see in Turkey owning a home there will feel like Christmas Day every day. For a start, there are stunning beaches with great water sports and endless hours of sunshine, wonderful well-priced local restaurants, and for the history buffs among you, the area is chock-a-block with ancient monuments. Read More Location: MONACO, FRANCE Price: FROM €110,000 (£75,000) MONACO, FRANCE Monaco is the crème de la crème. This tax haven on the French Riviera is so upmarket and star-studded even A-list celebrities don’t automatically receive five-start treatment. Its hotels are sumptuous, its port and yachts within it are luxurious and its casino is known the world over. Wandering its streets down beside the marina, so pristine and perfect is everything, you could be forgiven for feeling you are in a commercial. But this is reality and perhaps surprisingly folk like us can afford to rub shoulders with the super rich. Read More Location: CLERMONT, ORLANDO Price: $319,900 (£187,500) CLERMONT, ORLANDO, FLORIDA Florida continues to beat the doom mongers who prophesy that its property market is overheated. Performing well (30% growth annualised in 2005) and being second only to Texas this year, the United States’ southernmost state continues to draw visitors and homebuyers to its shores. Read More Location: CARVOEIRO, ALGARVE, PORTUGAL Price: FROM €103,000 (£71,000) CARVOEIRO, ALGARVE, PORTUGAL The Algarve is an evergreen destination with British property buyers. While other areas and countries fall in and out of fashion, the Algarve continues to promise and deliver high quality properties on a stunning Atlantic coastline that enjoys over 300 days of sunshine annually. Carvoeiro, located only a 40-minute drive from Faro International Airport, is ideally situated on the Algarve to offer all that is best about the region. Read More Select a property type... Apartment / Condominium Villa / Detached House Town House Plot Only Country House / Finca Price Range in local currency Min... 50,000 100,000 175,000 250,000 350,000 500,000 750,000 1,000,000 Max... 50,000 100,000 175,000 250,000 350,000 500,000 750,000 1,000,000 Select number of bedrooms... 1 Bedroom 2 Bedrooms 3 Bedrooms 4 Bedrooms 5 Bedrooms 6 Bedrooms Select a territory... 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Investment Property With full

Property Investment UK Capital Gains Tax Inheritance Tax Corporation Tax Property Tax Tax Advice Property Investment UK Click here to view the entire range Property Investment Guides Here you will find our unique range of UK property investment guides written by leading experts and packed with tips and tricks of the trade. Property Investment Strategy Workshop Save thousands in property seminar fees with this comprehensive "property workshop in a book". Click here Off-Plan Property Investment This unique new book tells you everything you need to know about investing in off-plan and new-build property. Click here How to Avoid Property Tax This unique and comprehensive guide is essential reading if you want to protect your property profits and income from the taxman. It contains vital information for buy-to-let landlords and those climbing the property ladder. Click here Using a Property Company to Save Tax Currently a "hot topic" for those putting money into property, this guide shows how you can boost your rental income by almost 34% by setting up your own property company. Click here How to Avoid Stamp Duty This guide shows you how to use little known but perfectly legal trade secrets to reduce your stamp duty bill when buying or selling property. Click here Property Capital Gains Tax Calculator This powerful piece of software will calculate in seconds the capital gains tax payable when you sell a property. Click here Insider's Guide to Property Investment Little-known secrets of successful property investors. A "must read" for anyone interested in making big profits and avoiding costly mistakes. Click here Insider's Guide to Property Investment - Part II How the experts make millions by using simple but clever techniques to find, buy, manage and sell property. Click here Property Profit Manager This fantastic spreadsheet programme will help you calculate the annual rental profit or sale profit of any property within minutes. Click here 63 Common Defects in Investment Property With full colour illustrations, this unique guide will save you thousands by steering you clear of no-hope property investments and towards bargain-priced gems. Click here -- As Featured in... THE SUNDAY TIMES BBC RADIO THE GUARDIAN and others.... © Taxcafe UK Limited 1999-2005 Affiliate Programme | UK Tax | Links | Contact Us | Disclaimer