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 FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold.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

Denver Real Estate Listings

Search real estate listings Denver Search real estate listings - Denver Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] The home buying process is easy when you know the answers; learn how to finance your home, how much it will cost and more.. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] The Next Step - Search Denver Real Estate Listings When you register for the Realty Assistant you will be going off this site to another. It is important to not request too much criteria at once, otherwise you may reduce your search to zero results. If that happens, I am happy to assist you on the best criteria to add or omit. When you input your data, please return to this site...there's much more information about Denver real estate! FAQ's on Denver real estate Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

real estate investing isnt

MSN Money - The real risks of investing in real estate MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Investing Home Portfolio Markets Stocks Funds ETFs Commentary Brokers CNBC TV MSN Money Insight Jubak's Journal SuperModels Start Investing Strategy Lab Company Focus Mutual Funds Street Patrol Other Views Contrarian Chronicles TheStreet.com Resources Commentary Index Decision Centers Start Investing Mutual Funds Find Hot Stocks Simple Strategies Power Tools Investing For Income Real Estate Related Links Expert Picks Market Dispatches CNBC Stock Picks Message Boards Print-friendly version Send this to a friend Research any REIT Find top-performing mutual funds Sortable database of SEC filings Find stock winners with our screener Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site Map The Basics The real risks of investing in real estate advertisement With prices soaring, real estate looks tantalizing -- but the margin of error is shrinking. Forget the get-rich-quick plans. Pay attention to the numbers. By Kiplinger's Personal Finance Magazine For Derrik Dyka, the biggest obstacle to successful real estate investing isnt a meltdown in property values or tenants who wreck an apartment or dont pay their rent. "Its overconfidence," says Dyka, a 34-year-old Minneapolis investor who turns old apartments into new condominiums. If youre expecting to cash in on the 21st centurys first gold rush without breaking a sweat, it would be wise to take Dykas words to heart. The margin of error for making money in real estate is closing fast. Its not surprising that real estate tempts so many Americans today. Over the past five years, home prices have soared and rags-to-riches tales abound. But so much real estate has become so expensive that Real Estate Research Corp. in Chicago reports that many real estate pros say now is a better time to sell than buy. As San Diego real estate investor Chuck Wise observes about the area where he operates, todays buyers are like "lambs being shorn." Start investing with $100. Explore our new ETF center. Of course, that doesnt mean that all deals are doomed to fail. But it does mean that its time for would-be investors to pay more attention to the perils of owning property, not just the potential profits. Watch your cash flow The most common entree into real estate investing is the single-family house. Investors bought almost one-fourth of all homes sold in 2004, according to the National Association of Realtors. If youre one of those buyers and your income from that property (after taxes) exceeds your expenses by $100 or $200 a month, youre in good shape. But because prices and property taxes are so high in many areas, and theres so much competition for attractive rental properties, its increasingly difficult to find deals that generate enough income to more than cover your expenses -- whats called positive cash flow. In areas such as the leafy suburbs of New York City and Boston, where a modest three-bedroom house can easily cost $600,000, theres no way you can collect enough rent to cover the steep property taxes and payments on a $500,000 mortgage. Figure monthly out-of-pocket expenses of more than $3,000, if not $4,000. The pool of renters who will pay that much is small. Related news and commentary on MSN Money • Nothing quick about getting rich with real estate • Do you have what it takes to be a landlord? • Don't bite off too much house • How to find a good investment property • 7 creative ways to buy your first house • Decision Center: Home financing So be ready to set your sights lower and get your hands dirty. Instead of a well-located home in pristine condition, look for a fixer-upper off the beaten track for maybe $150,000 that you can rent for $1,000 a month. The numbers work if youre willing to spend weekends, say, painting the walls and, if youre capable, making repairs that would otherwise require professional help. The hidden profit from home improvements is why "ugly real estate often makes more money than the nice stuff," says Kelley Pace, head of Louisiana State Universitys real-estate research institute. Mind the cap You can quickly figure out whether a house or condo is likely to generate positive cash flow. For more complex properties, such as a small office building or retail space, check the cap rate, a single number that can tell you if youre overpaying. The cap rate -- cap is short for capitalization -- is a propertys net operating income as a percentage of its price. The figure is real estates version of a bond yield. If a property sells for $500,000 and generates net income of $50,000 (rents minus expenses), the cap rate is 50,000 divided by 500,000, or 10%. The lower the cap rate, the more you pay for each dollar of annual income. In 2000, the average cap rate on commercial property in the U.S. was 10%. Since then, because of relentless price appreciation, the average cap rate has sunk to 8%. That alone suggests that wringing further gains out of commercial property is unlikely. If you want to invest in a commercial property, aim for a purchase price that results in a 10% cap rate. But remember that the cap rate also depends on how much you collect in rent. Ask the broker for details about the tenants leases, including how rents compare with those of other nearby properties and when the leases are up for renewal. The property should come with an information packet that is more like a stock prospectus than a real estate agents fact sheet on a single-family house. If necessary, hire a property inspector. Then take all the information to a lawyer who specializes in real estate. If you have any doubts about the property, walk away. Page 1 of 2 Story continues on next page Fund data provided by Morningstar, Inc. © 2005. All rights reserved. Quotes supplied by ComStock , an Interactive Data company. MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

Buy Home

Homes and Communities - U.S. Department of Housing and Urban Development (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 Hurricane Information HUD's hurricane resource page How to get help Press releases and photos HUD's response to the hurricanes Progam guidance and waivers Katrina Disaster Housing Assistance Program Contact information Operating requirements Consolidated contributions contract Disaster rent subsidy contract HUD Highlights Bush Administration announces $1.33 billion in grants to house and serve thousands of homeless individuals and families $20 million aimed at increasing public housing resident self-sufficiency and aiding elderly, disabled HUD seeks nominations for second annual Woodson Awards President Bush announces Homesteading Initiative Jackson signs 'Five-Star' statement of support for National Guard and Reservists HUD announces mortgage assistance for disaster victims Avoid Predatory Lenders Web Clinics for HUD Partners National Calendar of events Daily message At Your Service Learn how to buy a HUD home Learn how to apply for public housing and Section 8 See if HUD owes you a refund on your FHA loan Find a HUD-approved lender in your area Talk to a housing counselor File a housing discrimination complaint Submit Freedom of Information Act (FOIA) request Busque información en español Learn about the President's agenda to expand homeownership More services Important Links Medicare Prescription Drug Coverage Annual Performance Plan 2005 Performance Accountability Report (PAR) Equal employment opportunity data posted pursuant to the No Fear Act regulations.gov Information by State Find information about homes and communities, organized by state. Select a State 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 Puerto Rico/ Virgin Islands Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Homes for Sale Find homes for sale from HUD and other federal agencies. Information For... Citizens Homebuyers Senior citizens Veterans/Military Kids Students People with disabilities Researchers Landlords Tenants Colonias/farmworkers Native Americans Victims of Discrimination Housing Industry Lenders Brokers Housing agencies/tribes Multifamily industry Appraisers Other Partners Grantees/ non-profits Congress/ elected officials Small businesses Fair housing Faith Based and Community Organizations Hospitals Investors Auditors/ investigators Now Playing Appraisal Protocol Content updated December 23, 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

Real Estate Investment Course

Amazon.com: Real Estate Finance and Investment Manual: Books Your Store Books See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Subjects | Bestsellers | The New York Times® Best Sellers | Magazines | Corporate Accounts | Amazon Shorts | Bargain Books | Used Books | Textbooks Search Amazon.com Books Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . or Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . More Buying Choices 51 used & new from $13.88 Have one to sell? See larger image Share your own customer images Publisher: learn how customers can search inside this book. Real Estate Finance and Investment Manual (Paperback) by Jack Cummings (7 customer reviews) List Price: $34.95 Price: $23.07 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $11.88 (34%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Only 1 left in stock--order soon (more on the way). Want it delivered Tuesday, January 3? Choose One-Day Shipping at checkout. See details 51 used & new available from $13.88 Other Editions: List Price: Our Price: Other Offers: Hardcover (Revised) Order it used! Better Together Buy this book with What Every Real Estate Investor Needs to Know... byFrank Gallinelli today! Total List Price: $54.90 Buy Together Today: $36.64 Customers who bought this book also bought What Every Real Estate Investor Needs to Know About Cash Flow...And 36 Other Key FInancial Measures: Guidelines, Formulas, and Rules of Thumb for Making Money in Real Estate by Frank Gallinelli The Complete Guide to Real Estate Finance for Investment Properties: How to Analyze Any Single-Family, Multifamily, or Commercial Property by Steve Berges The McGraw-Hill 36-Hour Real Estate Investment Course by Jack Cummings Commercial Real Estate Investing 12 Easy Steps to Getting Started by Jack Cummings Investing in Real Estate With Other People's Money: 100s of Insider Strategies for Turning a Small Investment into a Fortune by Jack Cummings Explore Similar Items : in Books Product Details Paperback: 550 pages Publisher: Prentice Hall; Revised edition (April, 1997) Language: English ISBN: 0134933885 Product Dimensions: 9.2 x 7.0 x 1.6 inches Shipping Weight: 2.3 pounds. ( View shipping rates and policies ) Average Customer Review: based on 7 reviews. ( Write a review. ) Amazon.com Sales Rank: Today: #33,828 in Books Yesterday: #178,763 in Books (Publishers and authors: improve your sales ) Other Editions: Hardcover (Revised) | All Editions Citations ( learn more ) 1 book that cites this book: Profitable Real Estate Investing : Making Big Money, Finding the Right Properties, Investing on a Shoestring by Roger Woodsonin Back Matter Customers interested in this title may also be interested in: Sponsored Links: What is this? Investment Manual Regulation of Investment Advisers 2005 Edition Only $396.50 Today west.thomson.com Real Estate Rehab Funding 100% REI financing of purchase and repairs for rehab homes. 65% ARV www.rehabfunding.com Investment Property Loan Purchase or refinance investment property. No brokering accepted. www.USLandlord.com Feedback Customers who viewed this book also viewed Investing in Real Estate, Fourth Edition by Andrew James McLean Financing Secrets of a Millionaire Real Estate Investor by William Bronchick The Pre-Foreclosure Property Investor's Kit : How to Make Money Buying Distressed Real Estate -- Before the Public Auction by Thomas Lucier Real Estate Finance & Investments + Excel templates CD-ROM (Real Estate Finance and Investments) by William B Brueggeman Real Estate Finance and Investments with CD and Powerweb (Real Estate Finance and Investments) by William B Brueggeman Explore Similar Items : in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 80 of 81 people found the following review helpful: Good for individual investors, less useful for professionals , December 30, 1999 Reviewer: A J Southwell (Nashville, TN) - See all my reviews Focused on real estate deals in the <$2MM category, this book offers a treasure trove of helpful tips about how to work the angles to create maximum wealth from real estate investing. Especially useful are sections on goal-setting, negotiating, dealing with banks, and secondary financing. The book is less useful for development professionals dealing with larger developments such as office buildings, apartment communities, etc, as it omits extended discussion of the institutional players. Both individuals and development professionals will find Zuckerman, Real Estate Investment and Acquisition Workbook a useful adjunct, with development professionals perhaps more intested in Brueggeman & Fisher, Real Estate Finance and Investments than this offering. Was this review helpful to you? ( Report this ) 10 of 10 people found the following review helpful: Solid , April 26, 2004 Reviewer: J. Daily (Fort Worth, Tx United States) - See all my reviews Cummings is one of my favorite R.E. authors. He is very thorough. This one has chapters on conventional and creative financing, tax exchanges, land development, discounting mortgages, sale-leasebacks, how to get started and even dealing with foreclosure. Table of contents is very thorough and makes it very easy to go to the exact page you want to to find specific information. He is good with the numbers and doesnt leave much to the imagination like many authors do. I recommend anything by this author. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 23 of 24 people found the following review helpful: Excellent "Creative Real Estate Financing" manual , February 18, 2002 Reviewer: This "no-nonsense" book, by a seasoned investor and broker, is mostly focused on non-traditional real estate financing vehicles. Bits and pieces on the subject have previously taught by various gurus, but this book covers ALL of them. If every Realtor and investor read this, we would all be better off. Other recommended RE investing reads: The Unofficial Guide to Real Estate Investing Landlording by Leigh Robinson 5 Magic Paths to Making a Fortune In Real Estate Investing The Income Stream by Robt. Goodman Was this review helpful to you? ( Report this ) 19 of 19 people found the following review helpful: Solid, comprehensive, but a bit verbose , January 5, 2002 Reviewer: C Boyle (Long Beach, CA) - See all my reviews This and Landlording, by Leigh, are my two fave's so far as a real estate investor. This one tends towards overkill with many, many examples but other readers may want that more than I did. There are one or two strategy recommendations I disagree with rather heartily, but it's clear, pretty much accurate, and very readable. The no-nonsense writing reminds me a bit of T. Dallow or J. Reed, both also recommended. Was this review helpful to you? ( Report this ) 7 of 24 people found the following review helpful: Great book, but overpriced , February 19, 2000 Reviewer: John M Garrett (Lake of the Ozarks) - See all my reviews Great book, easy to read, too pricy Was this review helpful to you? ( Report this ) 7 of 9 people found the following review helpful: Rock Solid Info on Finance Structure , December 5, 1999 Reviewer: PeteH (NYC) - See all my reviews Cummings brings 30+ years of creative RE finance experience to bear with specific examples of techniques that the average buyer/investor won't be familiar with but that work in the real world (particularly with commercial property). Could have used one more round of proofreading, but well worth studying just to expand your awareness of how to acquire property and how to get the best price when selling. Was this review helpful to you? ( Report this ) See all 7 customer reviews... Listmania! Earn real money in real estate : A list by Lisa Banghart Real Estate Books : A list by "universal_tech" Real Estate : A list by Ahsen Abro Create a Listmania! list So You'd Like to... 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