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Homes For Sale By Owner - Real Estate - Free Listings - FSBO Houses Switch To International My Menu Buy or Rent | Sell or Lease Sign in Register Services Moving Financing Find An Agent News Realty Times News Market Conditions Latest Listings Buy or Rent Sell or Lease Home Services News Help About Site map Register Find houses for sale by owner or Realtors ®, apartments, homes for sale, rentals, FSBO, vacation properties, international real estate, mobile homes, vacant land, timeshares, condos, and more. List your property for FREE , search the best mortgage rates and the latest real estate news. Home selling made easy! Find A Home (US - Canada) Find International By State & City By Zip By MLS and ID Advanced Find Select Home Type --- Residential Styles --- Single Family Home Condominium Townhouse or Villa Duplex/Triplex Mobile Home Farm/Ranch Lot/Vacant Land Timeshare Co-op Apartment Vacation property --- Commercial --- Automobile Service Business/Office Chemical Church Contractors Yard Free Standing Heavy Machinery Hotel Light Manufacturing Motel Office Building Office Rental/Office Retail Shopping Center Store/Warehouse Land Warehouse Office Other To Buy or Rent Buy Rent Rent To Own In All States/Provinces --- United States ---- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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 American Samoa Guam Puerto Rico Virgin Islands --- Canada --- Alberta British Columbia Manitoba New Brunswick Newfoundland NWT Nova Scotia Nunavut Ontario PEI Quebec Saskatchewan Yukon City Price All $200 - $10,000 $10,000-$30,000 $30,000-$50,000 $50,000-$150,000 $150,000-$500,000 $500,000-$1,000,000 $1,000,000-$1,500,000 $2,000,000-$3,000,000 $3,000,000 + Sponsors & Partners Free Classifieds Simple and effective online advertising New York City Apartments - Mark David Real Estate can help simplify your search for an apartment or real estate in New York City. Featured Homes Hallandale Beach, Florida USA $465,000 Sponsored Links Homes For Sale | TOU | Privacy Link to Us
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Recreation Motivates Texas Land Buyers Recreational Land Purchases - Wildlife - Ag News & Views Recreation Motivates Texas Land Buyers Log In | Register My Profile | Log Out Ag Home Page Agricultural Staff Consulting Teams NF-1 Team (coming soon) NF-2 Team (coming soon) NF-3 Team NF-4 Team (coming soon) Ag News & Views Jr. Beef Excellence Program Consultation Program Custom Hire Listings eCattleLog Feed Library Hunting & Recreational Leases Agricultural Tools Online Publications Ag Info Index Economics Forages Horticulture Livestock Soils Wildlife Plant Image Gallery Internships Wildlife: July, 2003 July, 2003 Table of Contents Other Wildlife Articles by Grant Huggins It's a fact – today's rural land buyers are more likely to have hunting and fishing on their minds than cows or cotton. Recreation is the primary motive fueling the rural Texas land market." This statement by Judon Fambrough, Senior Lecturer in Real Estate Law of the Real Estate Center at Texas A&M University (REC), shouldn't be a surprise to observers of the Texas land market. In fact, there isn't anything close to recreation, particularly hunting and fishing, as a motive for buyers of Texas land. The following chart from Charles E. Gilliland, Research Economist of the REC, shows the buyer motives rated as "very important" in the REC fall 2002 survey of Texas real estate appraisers, brokers, lenders and government officials. The survey question recorded the groups' opinion of all factors that were "very important" in land purchase decisions; most buyers incorporate several factors in their decision, and thus the categories add to more than 100%. Figure 1 shows that those surveyed believe 80% of buyers rate hunting and fishing quality as very important in their land purchase decision, up from 67% in the fall 2001 survey. Gilliland says that according to their surveys, recreation has been the dominant motive of Texas land buyers since spring 1995. These observations may have relevance to south central Oklahoma land values, where many Metroplex buyers are seeking less expensive retreats than the going prices in Texas. These trends should be taken into consideration when making land management decisions. Game animals are a product of native vegetation. They are not generally abundant in landscapes dominated by introduced vegetation, whether it is forage or crops. Knowledgeable land buyers understand this. The REC produces a report which divides Texas into 33 Land Market Areas (LMA). The most recent data available is their Fall 2001 report. Their report on LMA 22, containing Montague, Cooke, Grayson and Fannin counties of the NF Agricultural Division's Texas service area, includes Table 1. Statewide values are listed for comparison. Gilliland points out that "…rangeland generally attracts the recreational buyers prevalent in today's market." Prudent land managers should consider conversion costs, management costs, opportunity costs of alternate enterprises and impacts on future land values before converting native vegetation to other land uses. © 1997-2005 by The Samuel Roberts Noble Foundation, Inc.
New Home
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Contact Us Mortgage Options For a free analysis and recommendation of the best mortgage loan program for you, please call us at 643-HOME (4663). Click on the options below to learn more about each of our mortgage solutions. You can also use our Online Comparison Tool to compare options side by side. Fixed Rate Mortgage Adjustable Rate Mortgage (ARM) Balloon Mortgage First-Time Homebuyer Mortgage Absolute Zero Mortgage FHA/VA Flex 100 Rural Housing Service Loan (RHS) Construction Loans Home Improvement Loans Second Mortgage Land Loans Fixed Rate Mortgage Pre-Qualify Online Rates: · Interest rate is constant over the life of the loan Features: · Variety of terms available · Finance with as little as 3% down payment · Flexible qualifying guidelines Benefits: · Stable monthly payments · Protection against rising interest rates · Fully amortized over the life of the loan Best Suited For: · Borrowers seeking a set interest rate · Borrowers who want the certainty of knowing their payment amount · Borrowers on a fixed monthly income Adjustable Rate Mortgage (ARM) Pre-Qualify Online Rates: · Interest rates and monthly payments can adjust periodically over the life of the loan Features: · Conversion to a fixed rate option available · Initial interest rate may be lower than fixed rate products · Variety of terms available · Annual and lifetime interest rate caps Benefits: · Interest rates and monthly payments can adjust periodically over the life of the loan · Conversion to a fixed rate option available · Initial interest rate may be lower than fixed rate products · Variety of terms available · Annual and lifetime interest rate caps Best Suited For: · Borrowers who expect to move within 5-7 years · Borrowers who anticipate rising incomes · Borrowers who can manage payment changes · Borrowers expecting large cash settlements in the future Balloon Mortgage Pre-Qualify Online Rates: · Interest rate is fixed for a set term Features: · Monthly payments amortized over a longer period than the loan term · Balance is due on balloon date · Outstanding balance may be refinanced for qualified borrowers on balloon date Benefits: · Lower interest rate than fixed-rate mortgage · Borrower may qualify for higher loan amount · Stable monthly payments for term of loan · Rate re-set feature available after 7-years Best Suited For: · Borrowers who expect to move or refinance within 7 years · Borrowers who want to take advantage of lower short-term rates and can tolerate some uncertainty about future loan terms · Owner occupants and second homeowners First-Time Homebuyer Mortgage Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Variety of terms available · As little as 3% down payment · Flexible qualifying guidelines · Fully amortizing · Reduced loan fees Benefits: · Payments go towards equity rather than rent · Minimum down payment enhances buying power · Flexible guidelines may qualify borrower for larger loan amount · Reduced closing costs make buying easier Best Suited For: · First-times home buyers · Borrowers with limited personal funds for down payments and closing costs · Borrowers on modest incomes Absolute Zero Mortgage Pre-Qualify Online Rates: · Fixed interest rate loan Features: · 0 points and 0 closing costs · Competitive fixed rate pricing · Finance with as little as 3% down Benefits: · Allows buyers to save on closing costs and use the savings towards their down payment instead · Gives borrowers an opportunity to refinance and reduce their interest rate without paying expensive closing costs make buying easier Best Suited For: · Ideal for those limited on cash to close their loan · Best for those considering a move or refinance in 5-7 years · Ideal for those who want to reduce their rate without paying for points or closing costs · For those with limited down payment who want to buy now instead of later · Restricted to owner occupants FHA/VA Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Requires little or no down payment · Flexible qualifying guidelines Benefits: · Low down payment · Certain closing costs may be financed · Less cash on hand required to qualify Best Suited For: · First-time home buyers · Borrowers on modest incomes · Eligible veterans Flex 100 Pre-Qualify Online Rates: · Fixed long term rates Features: · No down payment · Able to use "flexible" funds for closing cost such as gifts, grants, or unsecured loans from relatives Benefits: · No income limits · Stable monthly payments for term of the loan · Possibly maximize your tax deduction Best Suited For: · Borrowers with excellent credit · Borrowers on modest incomes · Eligible veterans Rural Housing Service Loan (RHS) Pre-Qualify Online Rates: · Fixed long term rates Features: · No down payment · Guaranteed loan to assist eligible households in rural areas Benefits: · No reserves required · May be able to finance all closing costs Best Suited For: · Limited to owner occupants · For borrowers located in rural areas Construction Loans Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Interest only payments during the construction period · Permanent financing means applying only once · Competitive pricing Benefits: · Buy your land and build, all with one permanent financing plan · Interest only payments provide some relief on the budget during the construction period · Flexible pricing to meet your construction contract terms Best Suited For: · Those planning to buy land and build within a year · Large dollar home improvement projects Home Improvement Loans Pre-Qualify Online Rates: · Fixed long term interest rate loan with competitive pricing Features: · As little as 5% down payment Benefits: · Buy a home and renovate with one loan · Stable monthly payments for term of loan Best Suited For: · Those who are owner occupants, second homeowners and investors · Those who want to buy a "fixer-upper" Second Mortgage Pre-Qualify Online Rates: · Fixed rate and adjustable rate mortgages Features: · Competitive pricing Benefits: · Use the equity in your home to consolidate higher interest rate loans, purchase automobiles, make home improvements and more. · Does not affect a current low rate first mortgage Best Suited For: · Those with established equity in their homes · Best for shorter term obligations Land Loans Pre-Qualify Online Rates: · Fixed rate or adjustable rate mortgages available Features: · Competitive pricing Benefits: · Buy the land now, build later · Recieve a discount on fees when applying for a construction loan at First Hawaiian Bank within a 1-year period Best Suited For: · Those seeking to invest in land, but not ready to build just yet About Us | Career Opportunities | Bancwestcorp.com | Member FDIC | Equal Housing Lender | Site Map | Contact Us