Real Estate Agents This
Real-Estate-Agents.com: Directory of Agents in US / Canada Real-Estate-Agents.com Find Real Estate Agents in the US and Canada HOME || Contact Us Directory of Real Estate Agents This site is a "no bells, no whistles" directory of links to real estate agents in the US and Canada. Somewhere in here is the house or property of your dreams! It's our goal to list more agents than any other directory, both residential or commercial. If you know an agent who would like to be added, please navigate to the regional listings and look for the "Add your Agency" link near the bottom of the page. We hope our listings help your real estate search, but please note that local real estate agents we list are responsible for their own websites and their own business practices. REAL ESTATE AGENTS: UNITED STATES Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. 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 Tips and Articles REAL ESTATE AGENTS: CANADA Alberta British Columbia Manitoba New Brunswick Newfoundland Nunavut NWT Yukon Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan REAL ESTATE AGENTS: OTHER Europe Other Areas BACK to TOP Shopping | Privacy | Contact Us
Real Estate Agent
Pittsburgh Real Estate Agent Thinking About Buying or Selling Greater Pittsburgh Real Estate? Our Mission: Yes Team Kane is Able to Help make your Pittsburgh real estate experience the very BEST! Remax Pittsburgh's Team Kane: Dave Kane , Jenn Kane and Mario Venneri We will find you the perfect home in Pittsburgh, PA. We focus on combining our energy, enthusiasm and honesty with the technology of RE/MAX Select to individualize every real estate transaction. We have helped countless homeowners looking to buy or sell Pittsburgh Real Estate. A closer look at Team Kane: Call Team Kane: 412-287-1173 Dave has always had a strong interest in the real estate industry; entering the business with high expectations in 1997. Education is a top priority for Dave. Therefore he immediately earned his Associate Broker license. As Dave continued his career in Pittsburgh real estate it was not long and he was recognized as a multi-million dollar producer and motivational asset to his company. It is Dave's personal goal to put his enthusiasm and energy into each Pittsburgh real estate transaction. for site scrapers -- Jenn is an extremely active native of Pittsburgh. She holds an undergraduate and graduate degree and spends a lot of time teaching group fitness classes. Recently she joined her husband Dave in the Pittsburgh real estate industry. Jenn's high energy and enthusiasm is sure to put a smile on her clients' faces! Along with Dave her goal is to provide ultimate service to each of their Pittsburgh clients - exceeding all expectations Together, Dave and Jenn Kane guarantee a positive Pittsburgh real estate experience. Pittsburgh Homes For Sale If your shopping for a new Pittsburgh home please check out our Pittsburgh homes for sale . We'll also email you every new home listed on the Pittsburgh MLS search for free! If you're planning selling Pittsburgh real estate contact us and find the advantange of Remax Pittsburgh. Pittsburgh Relocation Relocating to Pittsbugh can be an easy with Remax Pittsburgh by your side. See all that greater Pittsburgh has to offer relocating families here. And conctact us for all of your Pittsburgh relocation needs. Remax Pittsburgh Agent Mario Venneri Call Mario Venneri: 412-716-3922 View Mario's Current Listings Mario Venneri has been a licensed Realtor for over nine years and works with Remax's Pittsburgh Select Realty . Mario comes from a family of Pittsburgh real estate professionals who have done reputable business and strived to meet and create the housing needs in our suburbs for the past 50 years. The knowledge and experience that Mario has been able to gather as a result has been greatly beneficial in his ability to succeed in the Pittsburgh real estate business. Mario specializes in all facets of real estate including Pittsburgh new construction development and sales, first time home buyers, and existing buyer and seller transactions. Currently Mario is acting as site coordinator at a plan of townhouses in Imperial called Mystic Hills, and will be taking on the same responsibilities as site coordinator on a new patio home development in Chippewa coming soon. Mario's goal is to make every transaction a stress free and enjoyable experience from start to finish. You can contact Mario directly on his cellular phone at: 412-716-3922 Resources Add URL Real Estate & Mortgage Directory Texas Mortgage Georgia Mortgage Orlando Real Estate Pittsburgh Homes For Sale ~ Buying Vs. Renting ~ Pittsburgh Relocation ~ Pittsburgh New Construction ~ Pittsburgh Home Search ~ Pittsburgh Sell Your Home ~ Pittsburgh For Sale By Owner ~ Home Buying Basics ~ Our Community ~ Testimonials ~ Local Utilities ~ Consumer Notice ~ Mortgage Calculators ~ Mortgage Information ~ Home Buying Terms A-Z ~ Pittsburgh Weather ~ Pittsburgh Home Value Analysis ~ Pittsburgh MLS Search ~ Pittsburgh Schools Information ~ Remax Pittsburgh ~ Home Allegheny County Real Estate ~ Butler County Real Estate ~ Cheswick PA Real Estate ~ Cranberry Township Real Estate ~ Fawn Township PA Real Estate ~ Fox Chapel Township PA Real Estate ~ Frazer Township PA Real Estate ~ Glenshaw Township PA Real Estate ~ Hampton Township PA Real Estate ~ Indiana Township PA Real Estate ~ McCandless PA Real Estate ~ Natrona Heights PA Real Estate ~ Oakmont PA Real Estate ~ O'hara Township PA Real Estate ~ Pine Township PA Real Estate ~ Shaler Township PA Real Estate ~ Springdale Township PA Real Estate ~ Verona PA Real Estate ~ Wexford PA Real Estate Resources Real Estate Website Design - Mortgage Website Design © website design 2004
Texas Land Trust Conference
TPWD: News Release: Feb. 2, 2004: TPWD To Host 2004 Texas Land Trust Conference Maincontent Local Navigation Supplemental Information print friendly search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home News & Media Releases TPWD Media Links: Texas Parks & Wildlife Magazine Texas Parks & Wildlife Television Program Passport To Texas Radio Program TPWD News Releases Boating Fishing Game Warden Field Notes Hunting Weekly Migratory Bird Hunting Reports State Parks and Destinations News Roundups News Images Radio News Calendar Plain Text: Plain text versions of TPWD news releases are provided for copying and pasting into editing software. To copy text into an editing software: Click a Plain Text link to display the plain text page in your browser. Select all. Copy. Paste in a document in your editing program. If you have any suggestions for improving these pages, send an e-mail to webtech@tpwd.state.tx.us and mention Plain Text Pages. News Releases Note: This item is more than a year old. Please take the publication date into consideration for any date references. Plain Text Media Contact for This Release: Tom Harvey, (512) 389-4453, tom.harvey@tpwd.state.tx.us Feb. 2, 2004 TPWD To Host 2004 Texas Land Trust Conference AUSTIN, Texas – With each passing year, Texans trade in open ranges, grasslands and rivers for strip shopping malls and concrete parking lots. But landowners have other choices for the use of their wide-open spaces, even in a slow economy. The 2004 Statewide Land Trust Conference hopes to offer a few more conservation-friendly options for open lands. Common Ground, Gaining Ground: Tools for Shaping the Texas Landscape on Feb. 27-28 in Austin will offer participants training for land conservation, networking opportunities and meetings with state and federal agencies. Carolyn Vogel, with the Texas Land Trust Council at the Texas Parks and Wildlife Department, encourages attorneys, appraisers, private landowners, and those involved in land trusts to attend. Vogel said when land is passed down through a family, it often is split up through fences or partitions, which can harm the natural movement of wildlife. Sometimes the inherited property is too small to live off of, and parcels are sold off. Development affects water quality and the ecosystem. “A lot of landowners feel they are backed against a wall,” Vogel said. “The only thing they can do is sell since the land can no longer support them. Texas loses more farmland every year, (about 283 square mile), than any other state in the country.” Landowners, their advisors and the conservation community will come together at the 2004 conference to learn about the range of assistance available to them. This includes technical and financial assistance programs and potential tax incentives. These tax incentives will be discussed as part of an all-day conservation easement workshop on Friday, Feb 27. Another topic will be a recent study by the American Farmland Trust and Texas A&M University called Texas Rural Lands: Trends and Conservation Implications for the 21 st Century. A session and workshop will discuss findings about how and why open land is disappearing and what the future may look like. Continuing education credits in several fields are pending. Early registration by Feb. 6 is $65 for Texas Land Trust Council members and $85 for non-members. After that date, the fee is $100. For more information about the conference, contact Susan Harris at (512) 389-4961 or by e-mail at susan.harris@tpwd.state.tx.us or download a brochure (http://www.tpwd.state.tx.us/conserve/tltc/bulletinboard/). SA 2004-02-02 Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: December 27, 2005, 3:47 pm
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
Real Estate Prices
MONEY Magazine: Your Home 2005: The 100 Major Markets - Jun. 1, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | The 100 Major Markets While currently hot real estate markets may cool, don't look for many outright losers just yet. June 1, 2005: 7:01 PM EDT More real estate • Pros and cons of interest-only mortgages • How much house can you afford? NEW YORK (MONEY Magazine) - Home prices across the country will likely keep rising over the next year. While many hot markets on both coasts could see a dramatic slowdown in their growth rates, the forecasters at housing research firm Case Shiller Weiss aren't predicting outright losers anywhere. Nationally, home values climbed 14 percent last year, or nearly double the 8 percent of 2003, when the bubble talk began in earnest. Prices are up 20 percent or more in some coastal cities, putting homes out of reach for many. In Los Angeles, for example, just 5 percent of homes sell at prices affordable to a median-income local family. Don't panic just yet, though. Any pop is unlikely to be nearly as severe as what can happen in the stock market. Local markets can drop 10 to 20 percent, but that's about as bad as it usually gets. And a crash is merely a paper loss as long as you don't need to move. Meanwhile, you get a roof over your head and, with a little luck, nice neighbors and good public schools too. Metro area Median home price 5yr change in avg home price Growth forecast to June 2006 United States $190,000 65.1% 7.1% New York/Northern New Jersey/Long Island/Connecticut New York City $435,000 91.2% 12.6% Nassau/Suffolk, N.Y. $440,000 92.1% 11.6% Newark $330,000 79.0% 11.4% Bergen/Passaic, N.J. $390,000 81.9% 11.3% Middlesex/Somerset/Hunterdon, N.J. $318,000 87.4% 11.1% Monmouth/Ocean, N.J. $328,000 97.0% 11.3% Jersey City $300,000 114.2% N.A. New Haven/Bridgeport/Stamford/Waterbury/Danbury $335,000 69.7% 9.0% Trenton $230,000 83.4% 11.0% Los Angeles/Riverside/Orange County Los Angeles/Long Beach $442,000 122.3% 5.0% Riverside/San Bernardino, Calif. $329,000 137.3% 4.5% Orange County, Calif. $610,000 126.3% 6.8% Ventura, Calif. $550,000 122.6% 5.8% Chicago $254,000 49.6% 8.6% Washington/Baltimore Washington $385,000 107.4% 13.9% Baltimore $140,000 85.3% 14.2% San Francisco/Oakland/San Jose Oakland $535,000 96.3% 13.3% San Francisco $750,000 67.7% 13.6% San Jose $619,000 63.0% 13.9% Vallejo/Fairfield/Napa, Calif. $449,000 125.1% 13.8% Santa Rosa, Calif. $500,000 107.8% 13.2% Santa Cruz/Watsonville, Calif. $599,000 86.2% 13.0% Boston/Worcester/Lawrence/Lowell/Brockton $339,000 73.6% 8.0% Dallas/Fort Worth Dallas $137,000 23.1% N.A. Fort Worth/Arlington N.A. 23.5% N.A. Philadelphia/Wilmington/Atlantic City Philadelphia $180,000 71.0% 11.7% Atlantic/Cape May, N.J. $249,000 112.6% 9.4% Detroit/Ann Arbor/Flint Detroit $160,000 24.3% 4.3% Ann Arbor $225,000 28.1% 1.2% Houston $136,000 25.2% N.A. Atlanta $188,000 25.2% 6.4% Miami/Fort Lauderdale Miami $240,000 106.1% 15.3% Fort Lauderdale $257,000 105.8% 16.3% Phoenix/Mesa $190,000 53.1% 17.7% Seattle/Tacoma/Bremerton Seattle/Bellevue/Everett $315,000 38.1% 9.1% Tacoma, Wash. $212,000 36.9% 4.2% Minneapolis/St. Paul $225,000 63.2% 7.4% Cleveland/Akron Cleveland/Lorain/Elyria $153,000 20.0% 4.3% Akron $148,000 17.5% 0.7% San Diego $554,000 138.3% 5.9% St. Louis $129,000 38.1% N.A. Tampa/St. Petersburg/Clearwater $172,000 70.8% 14.7% Pittsburgh $108,000 31.1% N.A. Denver $250,000 33.3% 6.0% Cincinnati/Hamilton Cincinnati $172,000 18.9% 4.0% Hamilton/Middletown, Ohio $182,000 20.5% 3.2% Portland, Ore./Vancouver $226,000 36.6% 9.8% Sacramento/Yolo Sacramento $376,000 131.1% 17.1% Yolo, Calif. $379,000 140.9% 17.4% Kansas City, Mo. $149,000 30.8% N.A. Orlando $195,000 60.6% 14.3% Indianapolis $113,000 18.8% N.A. San Antonio $123,000 24.8% N.A. Norfolk/Virginia Beach/Newport News $168,000 60.9% N.A. Las Vegas $285,000 107.0% N.A. Columbus, Ohio $172,000 22.7% 3.7% Milwaukee/Waukesha $199,000 40.5% N.A. Charlotte/Gastonia/Rock Hill, N.C. N.A. 19.1% N.A. Salt Lake City/Ogden $155,000 -0.2% 0.0% Austin/San Marcos $151,000 24.9% N.A. Nashville $139,000 19.3% 6.4% Providence/Warwick/Pawtucket $257,000 111.7% 17.7% Raleigh/Durham $186,000 18.9% N.A. Hartford $228,000 54.1% 8.9% Buffalo/Niagara Falls $95,000 27.00% N.A. Memphis $126,000 11.5% 3.2% West Palm Beach/Boca Raton, Fla. $282,000 98.0% 21.0% Jacksonville, Fla. $154,000 57.4% N.A. Dayton/Springfield, Ohio $135,000 15.1% 0.3% Fresno $243,000 129.1% N.A. Tucson $179,000 46.6% 8.5% Albuquerque $146,000 13.3% 1.4% Knoxville $121,000 27.3% 7.0% Bakersfield, Calif. $195,000 114.1% N.A. Toledo $124,000 19.7% 0.6% Youngstown/Warren, Ohio $90,000 15.0% 1.8% Springfield, Mass. $182,000 64.1% 10.5% Sarasota/Bradenton $229,000 83.5% 17.0% Stockton/Lodi, Calif. $370,000 126.9% 21.8% Daytona Beach, Fla. $153,000 79.9% 22.0% Lakeland/Winter Haven, Fla. $133,000 46.5% 9.8% Johnson City/Kingsport/Bristol (Tenn./Va.) $90,000 16.2% 4.8% Lansing/East Lansing $134,000 33.0% 2.9% Modesto, Calif. $305,000 140.5% 15.2% Fort Myers/Cape Coral, Fla. $124,000 92.1% 15.1% Canton/Massillon, Ohio $129,000 16.7% 2.2% Salinas, Calif. $526,000 136.2% N.A. Santa Barbara/Santa Maria/Lompoc $445,000 147.9% N.A. Visalia/Tulare/Porterville, Calif. $190,000 86.1% N.A. Fort Pierce/Port St. Lucie, Fla. $280,000 99.8% 13.7% New London/Norwich, Conn. $226,000 71.9% 6.3% Naples, Fla. $300,000 109.3% 22.4% San Luis Obispo/Atascadero/Paso Robles, Calif. $475,000 137.7% 11.3% Merced, Calif. $270,000 126.2% 16.6% Clarksville/Hopkinsville (Tenn./Ky.) $95,000 15.3% 4.2% Chico/Paradise, Calif. $250,000 119.6% 15.2% Burlington, Vt. $226,000 62.7% 7.8% Barnstable/Yarmouth, Mass. $369,000 115.7% 5.6% Punta Gorda, Fla. $154,000 98.1% 17.5% Pittsfield, Mass. $165,000 57.8% 11.1% NOTES: Data as of 2004 unless otherwise noted. N.A.: Not applicable or not available. SOURCES: Fiserv CSW, U.S. Census Bureau, U.S. Department of Housing and Development, National Association of Realtors. «top» The Hot List Most profitable renovations How risky is your 401(k)? 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