Home For Sale

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Real Estate Broker Code

DRL - Real Estate Broker Home Login About DRL Site Map Contact DRL FAQ Business Professions Health Professions All Boards Definition Download Help Duplicate License Education FAQs Fees Forms Practice FAQs Obtain License Organizations Renew Online Rules Statutes Verifications What's New Real Estate Broker Code Book A real estate broker is an individual who: a. For another, and for commission, money or other thing of value, negotiates or offers or attempts to negotiate a sale, exchange, purchase or rental of an interest or estate in real estate; b. Is engaged wholly or in part in the business of selling real estate to the extent that a pattern of real estate sales is established, whether or not such real estate is owned by such person. Five sales in one year or 10 sales in 5 years is presumptive evidence of a pattern of sales. c. For another and for commission, money or other thing of value, negotiates or offers or attempts to negotiate a sale, exchange, purchase or rental of any business, its goodwill, inventory, fixtures or an interest therein; or d. Is engaged wholly or in part in the business of selling business opportunities or goodwill of an existing business or is engaged wholly or in part in the business of buying and selling, exchanging or renting of any business, its goodwill, inventory, fixtures or an interest therein. e. For another, and for commission, money or other thing of value, negotiates or offers or attempts to negotiate a sale, exchange or purchase of a time share. f. Is engaged wholly or in part in the business of selling time shares to the extent that a pattern of sales is established, whether or not the time shares are owned by such person. g. For another, and for a commission, money or other thing of value, promotes the sale, exchange, purchase, option, rental or leasing of real estate or business opportunities. This paragraph does not apply to a person who only publishes or disseminates verbatim information provided by another person. For exceptions to the above, see s. 452.01(3), Wis. Stats. No person may engage in or follow the business or occupation of, or advertise or hold himself or herself out as, or act temporarily or otherwise as a broker without a Wisconsin real estate brokers license. The purpose of licensure is to ensure that only qualified people handle real estate transactions and supervise licensed salespersons in Wisconsin. It ensures proper listing, selling, buying, exchanging, leasing or renting of real property or a business opportunity. Last updated: Wednesday, January 7, 2004 Wisconsin Department of Regulation & Licensing. All Rights Reserved. If you have suggestions about how to improve our website, contact our webmaster . Disclaimer | Privacy Statement

real estate prices and

Statistics.com Courses: Real Estate Pricing and Financial Stability -- Login Register -- Join mailing list for course announcements Introductory Basic Concepts Intro Stats Data Mining Intro Data Mining Data Mining 2 Data Mining Security -- Decision Trees Text Mining Life Science Adaptive Trials Biostatistics Clinical Trials Fundamentals of Epi Bias in Epi Data Analysis of Epi Meta Analysis Microarray Analysis Survival Tox Risk Engineering Design Experiments Adv DOE Engineering Queueing Theory SPC Environment Directional Data Environmental Geostatistics Social Science Census GLM Longitudinal Data Rasch SEM Advanced SEM Survey Design Survey Analysis Business Derivatives Time Series Real Estate Special Topics Poker Probabilities Stat Methods Bayesian Statistics Categorical Cluster Analysis Count Data Logistic Regression Intro to R Mixed Models Modeling in R Resampling Adv Resampling Regression Sample Size S-PLUS Course Calendar View Full Course List Faculty Testimonials Tour a Course About our Courses Register Statistical Software Free Web-Based SQC calculators Online Consulting Discussion Boards Stat Terms Glossary Statistics Symbols Search Newsgroups Other Resources Certificates RSS Prep Statistics Jobs Online Printed Encyclopedia Tutoring Service Teachers Puzzles Homework Discussion Other Resources -- Real Estate Pricing and Financial Stability Instructor to be Arranged [preliminary information - this course is in development] Course Cost: $399 commercial ($299 academic) if pre-paying online via credit card or via check sent with our printed order form. $449 per participant ($349 academic) if you need us to invoice you, process a purchase order, process a wire transfer, or process an EFT. Dates: This course is under development and has not yet been finalized for scheduling, which will depend somewhat on the level of interest in the course. If you are interested in participating in a course like this, please use the form below to let us know. Level: Intermediate/Advanced Registration: You may register online ; students and teachers are eligible for a discount - register here (you will be required to state your academic affiliation). If you prefer, you may fax or mail us this printed registration form . Note: We will not charge your card until one week before the course begins. You can cancel at any time prior to that day. Also, courses may fill up at any time and registrations are processed in the order in which they are received. Course Discussion Board: Click here to go to the course discussion board (pre-paid registration required, see above to register). Note that the discussion board is not activated until the course start date. -- Aim of the Course: Is there a real-estate bubble? How will changes in real-estate prices affect national economies? At a recent conference, IMF experts lamented the lack of timely information on real estate markets. This course covers the statistical methodologies used in constructing both commercial and residential real estate price indexes, which are important tools that financial institutions can use to monitor their exposure to risk from volatility in real estate markets. It also addresses relationships between real estate prices and banking profitability, and the roles that bank credit, GDP, stock equity prices and interest rates play in determining real estate prices.. Who Should Take this Course: Analysts in private and central banks, government financial analysts, lending agencies and organizations such as the IMF and World Bank, anyone who needs to understand the role that real estate prices play in sound banking practices, and the impact they have on financial system stability. Modern Engineering Statistics , Modern Experimental Design , Modern Regression Methods and Statistical Methods for Quality Improvement , all from Wiley, plus numerous papers in peer-reviewed journals.-- Prerequisite: Participants should be familiar with the fundamentals of statistics as found in Basic Concepts in Probability and Statistics and Introduction to Statistics: Design and Analysis . Organization of the Course: The course takes place over the Internet at statistics.com. Course participants will be given access to a private discussion board that will serve as a forum for discussion of ideas and problem solving. The course is scheduled to take place over four weeks. At the beginning of each week, participants receive the relevant material, in addition to answers to exercises from the previous session. During the week, participants are expected to go over the course materials and work through exercises. click here . -- Course Program : The course is structured as follows SESSION 1: : Real estate prices and other major economic indicators. Banking profitability and property prices The boom and bust cycle Correlations with GDP, stock prices, bank credit, and interest rates SESSION 2: The data Key characteristics of data available in various countries Residential real estate price indexes (methodology) Commercial real estate price indexes (methodology) SESSION 3: Accounting for quality, aggregating Hedonic functions Case studies (hedonic models in Brazil and France) Aggregating non-harmonized national data (Euro zone) SESSION 4: Country case studies (choose two) Availability and usefulness of real estate data in East Asia US: quality adjusted prices for non-residential structures Japan: the late 1980s asset price bubble UK: housing price indexes I Am Interested in this Course: Name : Email : Comments : Site Design by NEW TARGET © statistics.com 2005 To contact www.statistics.com: click here

home equity credit lines

Home Equity Credit Lines Home Equity Credit Lines U sing a credit line to borrow against the equity in your home has become a popular source of consumer credit. And lenders are offering these home equity credit lines in a variety of ways. You will find most loans come with variable interest rates, some come with attractive low introductory rates, and a few come with fixed rates. You also may find most loans have large one-time upfront fees, others have closing costs, and some have continuing costs, such as annual fees. You can find loans with large balloon payments at the end of the loan, and others with no balloons but with higher monthly payments. No one loan is right for every homeowner. The challenge, then, is to contact different lenders, compare options, and select the home equity credit line best tailored to your needs. Be sure to review the home equity contract carefully before you sign it. Do not hesitate to ask questions about the terms and conditions of your financing. To help you do this, you may want to consider the following questions and to use the checklist at the end of this brochure. (We apologize that the checklist is not available on-line. To obtain a copy of the checklist, please request a free copy of the brochure by contacting: Public Reference, Federal Trade Commission, Washington, D.C. 20580; (202) 326-2222. TDD call (202) 326-2502.) Is a home equity credit line for you? If you need to borrow money, home equity lines may be one useful source of credit. Initially at least, they may provide you with large amounts of cash at relatively low interest rates. And they may provide you with certain tax advantages unavailable with other kinds of loans. (Check with your tax adviser for details.) At the same time, home equity lines of credit require you to use your home as collateral for the loan. This may put your home at risk if you are late or cannot make your monthly payments. Those loans with a large final (balloon) payment may lead you to borrow more money to pay off this debt, or they may put your home in jeopardy if you cannot qualify for refinancing. And, if you sell your home, most plans require you to pay off your credit line at that time. In addition, because home equity loans give you relatively easy access to cash, you might find you borrow money more freely. Remember too, there are other ways to borrow money from a lending institution. For example, you may want to explore second mortgage installment loans. Although these plans also place an additional mortgage on your home, second mortgage money usually is loaned in a lump sum, rather than in a series of advances made available by writing checks on an account. Also, second mortgages usually have fixed interest rates and fixed payment amounts. You also may want to explore borrowing from credit lines that do not use your home as collateral. These are available with your credit cards or with unsecured credit lines that let you write checks as you need the money. In addition, you may want to ask about loans for specific items, such as cars or tuition. How much money can you borrow on a home equity credit line? Depending on your creditworthiness (your income, credit rating, etc.) and the amount of your outstanding debt, home equity lenders may let you borrow up to 85% of the appraised value of your home minus the amount you still owe on your first mortgage. Ask the lender about the length of the home equity loan, whether there is a minimum withdrawal requirement when you open your account, and whether there are minimum or maximum withdrawal requirements after your account is opened. Inquire how you gain access to your credit line -- with checks, credit cards, or both. Also, find out if your home equity plan sets a fixed time -- a draw period -- when you can make withdrawals from your account. Once the draw period expires, you may be able to renew your credit line. If you cannot, you will not be permitted to borrow additional funds. Also, in some plans, you may have to pay your full outstanding balance. In others, you may be able to repay the balance over a fixed time. What is the interest rate on the home equity loan? Interest rates for loans differ, so it pays to check with several lenders for the lowest rate. Compare the annual percentage rate (APR), which indicates the cost of credit on a yearly basis. Be aware that the advertised APR for home equity credit lines is based on interest alone. For a true comparison of credit costs, compare other charges, such as points and closing costs, which will add to the cost of your home equity loan. This is especially important if you are comparing a home equity credit line with a traditional installment (or second) mortgage, where the APR includes the total credit costs for the loan. In addition, ask about the type of interest rates available for the home equity plan. Most home equity credit lines have variable interest rates. These variable rates may offer lower monthly payments at first, but during the rest of the repayment period the payments may change and may be higher. Fixed interest rates, if available, may be slightly higher initially than variable rates, but fixed rates offer stable monthly payments over the life of the credit line. If you are considering a variable rate, check and compare the terms. Check the periodic cap, which is the limit on interest rate changes at one time. Also, check the lifetime cap, which is the limit on interest rate changes throughout the loan term. Ask the lender which index is used and how much and how often it can change. An index (such as the prime rate) is used by lenders to determine how much to raise or lower interest rates. Also, check the margin, which is an amount added to the index that determines the interest you are charged. In addition, inquire whether you can convert your variable rate loan to a fixed rate at some future time. Sometimes, lenders offer a temporarily discounted interest rate -- a rate that is unusually low and lasts only for an introductory period, such as six months. During this time, your monthly payments are lower too. After the introductory period ends, however, your rate (and payments) increase to the true market level (the index plus the margin). So, ask if the rate you are offered is "discounted," and if so, find out how the rate will be determined at the end of the discount period and how much larger your payments could be at that time. What are the upfront closing costs? When you take out a home equity line of credit, you pay for many of the same expenses as when you financed your original mortgage. These include items such as an application fee, title search, appraisal, attorneys' fees, and points (a percentage of the amount you borrow). These expenses can add substantially to the cost of your loan, especially if you ultimately borrow little from your credit line. You may want to negotiate with lenders to see if they will pay for some of these expenses. What are the continuing costs? In addition to upfront closing costs, some lenders require you to pay continuing fees throughout the life of the loan. These may include an annual membership or participation fee, which is due whether or not you use the account, and/or a transaction fee, which is charged each time you borrow money. These fees add to the overall cost of the loan. What are the repayment terms during the loan? As you pay back the loan, your payments may change if your credit line has a variable interest rate, even if you do not borrow more money from your account. Find out how often and how much your payments can change. You also will want to know whether you are paying back both principal and interest, or interest only. Even if you are paying back some principal, ask whether your monthly payments will cover the full amount borrowed or whether you will owe an additional payment of principal at the end of the loan. In addition, you may want to ask about penalties for late payments and under what conditions the lender can consider you in default and demand immediate full payment. What are the repayment terms at the end of the loan? Ask whether you might owe a large payment at the end of your loan term. If so, and you are not sure you will be able to afford the balloon payment, you may want to renegotiate your repayment terms. When you take out the loan, ask about the conditions for renewal of the plan or for refinancing the unpaid balance. Consider asking the lender to agree ahead of time and in writing to refinance any end-of-loan balance or extend your repayment time, if necessary. What safeguards are built into the loan? One of the best protections you have is the Federal Truth in Lending Act, which requires lenders to inform you about the terms and costs of the plan at the time you are given an application. Lenders must disclose the APR and payment terms and must inform you of charges to open or use the account, such as an appraisal, a credit report, or attorneys' fees. Lenders also must tell you about any variable-rate feature and give you a brochure describing the general features of home equity plans. The Truth in Lending Act also protects you from changes in the terms of the account (other than a variable-rate feature) before the plan is opened. If you decide not to enter into the plan because of a change in terms, all fees you paid earlier must be returned to you. Because your home is at risk when you open a home equity credit account, you have three days to cancel the transaction, for any reason. To cancel, you must inform the lender in writing. Following that, your credit line must be cancelled and all fees you have paid must be returned. Once your home equity plan is opened, if you pay as agreed, the lender, in most cases, may not terminate your plan, accelerate payment of your outstanding balance, or change the terms of your account. The lender may halt credit advances on your account during any period in which interest rates exceed the maximum rate cap in your agreement, if your contract permits this practice. For More Information 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. FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP www.ftc.gov June 1992

Home Mortgage

Chase Home Finance -- Thinking about purchasing your dream home? You've come to the right place. Chase is the name you can trust for a wide array of home financing solutions to make your dream come true. If you already own your dream home, perhaps you'd like to take advantage of lower rates and refinance. Chase has refinancing solutions, too! -- Thinking about purchasing your dream home? You've come to the right place. Chase is the name you can trust for a wide array of home financing solutions to make your dream come true. If you already own your dream home, perhaps you'd like to take advantage of lower rates and refinance. Chase has refinancing solutions, too! QUICK AND EASY HOME BUYING ADVICE We want to make the home financing process as easy as possible for you. So, here are some tips from the mortgage experts at Chase: Determine how much you can afford. Choose the right loan - a Fixed Rate Mortgage for security and safety - or an Adjustable Rate Mortgage for flexibility and control - or perhaps your situation requires a Special Mortgage for unique borrowing needs. You can check all of today's rates here. Get pre-qualified before you start looking for a new home. You'll get negotiating power and save a lot of time, too. First, fill out a pre-qualification form . Get together all the documents needed in advance. This includes tax returns, W-2s, paycheck stubs, financial statements, etc. This will save time and stress during the application and approval process. Already found your dream home? Apply now with our short online pre-qualification form . Whether you need a mortgage or want to refinance , you can feel right at home with the experts at Chase. We look forward to being your mortgage provider, so contact us today! SEE TODAY'S CHASE RATES HOMEBUYERS!   Get Started Today REFINANCING YOUR MORTGAGE? Get Started Here. Legal Disclosures