REAL ESTATE BROKER PAGE
NYS DOS, Division of Licensing Services, Real Estate Broker Menu Department of State Dos Homepage | Corporations | Licensing | Local Government | Fire Prevention & Control | Commissions REAL ESTATE BROKER PAGE [ Acrobat PDF File Download Information ] Typeable PDF Form Information ] -- FORM DOWNLOAD INSTRUCTIONS: To ensure accurate printing from within Acrobat Reader, please uncheck the "scale to page" or "shrink oversized pages to paper size" settings on the Print Dialog box. What's New? Effective July 1, 2005 , the Division of Licensing Services replaced the real estate salesperson and broker walk-in examination system with an online reservation examination scheduling system for our Albany, New York City, Franklin Square, Hauppauge and Newburgh exam centers. To schedule an examination or for more information, please clickhere . IMPORTANT ADVISORY: Section 442 of the Real Property Law previously prohibited a real estate broker from paying any part of a commission to an unlicensed person, firm, corporation or LLC if the payment was intended as compensation for a service that would require a real estate license. Accordingly, the amendment of August 10, 2004 , permits a real estate broker to pay the commission earned by a licensed associate broker or salesperson to an unlicensed corporation or unlicensed LLC , if each of the shareholders of the corporation or each member of the LLC, is an individual who is licensed and properly associated with the real estate broker as a licensed associate broker or salesperson. This amendment does not entitle the associate real estate broker or real estate salesperson to be licensed or to advertise in the name of the corporation or LLC, nor will the records maintained by Department of State, Division of Licensing, reflect the name of the corporation or LLC. A licensee may NOT use the name of the corporation or LLC on business cards. LICENSING FORMS/GENERAL INFORMATION SCHOOL INFORMATION Albany, Franklin Square, Hauppauge, New York City and Newburgh Exam Information and Schedule (online) January-March 2006 Exam Information and Schedule Real Estate Qualifying Course Approval Application - 9/04 Download (153KB PDF Form) (2 pages) Binghamton, Buffalo, Plattsburgh, Rochester, Syracuse, Utica and Watertown Exam Information and Schedule (Walk in) January-March 2006 Exam Information and Schedule Real Estate Qualifying Course Approval Renewal Application - 9/04 Download (128KB PDF Form) (1 page) Real Estate License Law - 10/04 (Real Property Law, Art. 12-A, plus Related Statutes and Laws) Download (186KB PDF File) (63 pages) -- Real Estate Continuing Education Course Approval Application - 4/05 Download (18KB PDF Form) (2 pages) License Application and Instructions - 5/05 Download (21KB PDF Form) (7 pages) Real Estate Continuing Education Course Approval Renewal Application - 4/05 Download (12KB PDF Form) (1 page) Real Estate Branch Office Application and Instructions - 11/02 Download (7.15KB PDF Form) (1 page) Real Estate Instructor Application - 4/05 Download (32KB PDF Form) (2 pages) Credit Card Authorization Form - 1/04 Download (112KB PDF Form) (1 page) Fax and phone numbers for obtaining an application Technical Real Estate Instructor Application - 4/05 Download (12KB PDF Form) (2 pages) Additional Forms: (These forms are not suitable for reproduction on the Internet. See Ordering information ) Broker Change of Address Salesperson/Associate Broker Change of Association Salesperson/Associate Broker Termination of Association Uniform Irrevocable Consent and Designation/Foreign Corporation Uniform Irrevocable Consent and Designation/Individual and Partnership Reciprocity FAQ for Applicants for Real Estate Broker/Salesperson Licensure About the DOS Return to DOS Home Page DOS Accessibility Statement DOS Privacy Statement
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... Work Less and Earn More : A guide by carlamarie , Business Guru take another look-see IV : A guide by Melody Davis , mostly do-it-yourself style books give MOM'S MILLION DOLLAR BATH (for $99). : A guide by Jenni Moore , wife, mom, "kid sister" to 3 big brothers Create a So You'd Like to... guide Look for similar items by category Subjects > Business & Investing > General Subjects > Business & Investing > Industries & Professions > Real Estate > General Subjects > Business & Investing > Industries & Professions > Real Estate > Investments Subjects > Business & Investing > Industries & Professions > Real Estate > Mortgages Look for similar items by subject Business & Economics Business / Economics / Finance Business/Economics Finance Handbooks, manuals, etc Mortgage loans Real Estate - General Real Estate - Investments Real Estate - Mortgages Real estate business Real estate investment i.e., each book must be in subject 1 AND subject 2 AND ... 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Land Loan
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Real Estate Prices, Borrowing
Real Estate Prices, Borrowing Constraints and Business Cycles -A Study of the Japanese Economy This file is part of IDEAS , which uses RePEc data [ Papers | Articles | Software | Books | Chapters | Authors | Institutions | JEL Classification | NEP reports | Search | New papers by email | Author registration | Rankings | Volunteers | FAQ | Help! ] Real Estate Prices, Borrowing Constraints and Business Cycles -A Study of the Japanese Economy Author info | Abstract | Publisher info | Download info | Related research | Statistics Author Info Suparna Chakraborty (University of Minnesota & Federal Reserve Bank of Minneapolis) Additional information is available for the following registered author(s): Suparna Chakraborty Abstract This paper investigates the causes of business cycle fluctuations that Japan experienced over the period 1980 to 2000. To this end, I build a dynamic general equilibrium model with endogenous borrowing constraints where business cycle fluctuations are the result of TFP fluctuations and investment frictions. I identify land tax changes since 1984 as a possible source of investment frictions, the idea being that given a strong preference for debt-financing and widespread use of land as collateral in Japan, land tax changes will cause fluctuations in land price that can potentially affect output and investment by affecting borrowing capacity of firms. Calibrating the model using Japanese data and feeding in observed TFP and land taxes one by one and in unison, I find that TFP and land tax fluctuations can significantly account for observed fluctuations in output, but cannot account for land price fluctuations unless agents expect land tax changes to be permanent. I further identify redistribution of land holding between commercial and residential uses in response to land tax and TFP changes as an important channel through which the effect of these external fluctuations on output gets amplified. Observed data of land use in Japan provides evidence of such redistribution. Download Info To download: If you experience problems downloading a file, check if you have theproper application toview it first. Information about this may be containedin the File-Format links below. In case of further problems read the IDEAS helpfile . Note that these files are not on the IDEASsite. Please be patient as the files may be large. File URL: http://econwpa.wustl.edu:80/eps/mac/papers/0504/0504012.pdf File Format: application/pdf File Function: Download Restriction: no Publisher Info Paper provided by Economics Working Paper Archive EconWPA in its series Macroeconomics with number 0504012. Download reference. The following formats are available: HTML , plain text , BibTeX , RIS , ReDIF Length: 60 pages Date of creation: 06 Apr 2005 Date of revision: Handle: RePEc:wpa:wuwpma:0504012 Keywords: Real estate, borrowing constraint, business cycle, japan Note: Type of Document - pdf; pages: 60 Contact details of provider: Web page: http://econwpa.wustl.edu Order Information: For technical questions: (EconWPA). Related research Other versions of this item: Find related papers by JEL classification: E - Macroeconomics and Monetary Economics This paper has been announced in the following NEP Reports : NEP-ALL-2005-04-17 (All new papers) NEP-MAC-2005-04-20 (Macroeconomics) NEP-SEA-2005-04-18 (South East Asia) NEP-URE-2005-05-02 (Urban & Real Estate Economics) References listed on IDEAS Please report citation or reference errors to : Carlstrom, Charles T & Fuerst, Timothy S, 1997." Agency Costs, Net Worth, and Business Fluctuations: A Computable General Equilibrium Analysis ," American Economic Review ,American Economic Association, vol. 87(5), pages 893-910. [Downloadable!] Other versions: Charles T. Carlstrom & Timothy S. Fuerst, 1996." Agency costs, net worth, and business fluctuations: a computable general equilibrium analysis ," Working Paper 9602, Federal Reserve Bank of Cleveland. [Downloadable!] Ryo Kato, 2002." Matlab code for the Carlstrom-Fuerst AER (1997) model ," QM&RBC Codes 112, Quantitative Macroeconomics & Real Business Cycles. [Downloadable!] V. V. Chari & Patrick J. Kehoe & Ellen R. McGrattan, 2002." Accounting for the Great Depression ," Working Papers 619, Federal Reserve Bank of Minneapolis. [Downloadable!] Other versions: V. V. Chari & Patrick J. Kehoe & Ellen R. McGrattan, 2003." Accounting for the Great Depression ," Quarterly Review ,Federal Reserve Bank of Minneapolis, issue Spr. [Downloadable!] V. V. Chari & Patrick J. Kehoe & Ellen R. McGrattan, 2002." Accounting for the Great Depression ," American Economic Review ,American Economic Association, vol. 92(2), pages 22-27. [Downloadable!] Dekle, Robert & Kletzer, Kenneth, 2003." The Japanese banking crisis and economic growth: Theoretical and empirical implications of deposit guarantees and weak financial regulation ," Journal of the Japanese and International Economies ,Elsevier, vol. 17(3), pages 305-335. [Downloadable!] Other versions: Robert Dekle & Kenneth Kletzer, 2003." The Japanese Banking Crisis and Economic Growth: Theoretical and Empirical Implications of Deposit Guarantees and Weak Financial Regulation ," Santa Cruz Center for International Economics, Working Paper Series 1002, Center for International Economics, UC Santa Cruz. [Downloadable!] Robert Dekle & Kenneth Kletzer, 2003." The Japanese Banking Crisis and Economic Growth: Theoretical and Empirical Implications of Deposit Guarantees and Weak Financial Regulation ," CIRJE F-Series CIRJE-F-225, CIRJE, Faculty of Economics, University of Tokyo. [Downloadable!] Bernanke, Ben & Gertler, Mark, 1989." Agency Costs, Net Worth, and Business Fluctuations ," American Economic Review ,American Economic Association, vol. 79(1), pages 14-31. [Downloadable!] Pedro Amaral & James C. MacGee, 2002." The Great Depression in Canada and the United States: A Neoclassical Perspective ," Review of Economic Dynamics ,Academic Press for the Society for Economic Dynamics, vol. 5(1), pages 45-72. [Downloadable!] Other versions: Pedro Amaral & James Macgee, 2002." Data Appendix to The Great Depression in Canada and the United States: A Neoclassical Perspective ," Technical Appendices amaral02, Review of Economic Dynamics. [Downloadable!] Michael D. Bordo & Christopher J. Erceg & Charles L. Evans, 1997." Money, sticky wages, and the great depression ," International Finance Discussion Papers 591, Board of Governors of the Federal Reserve System (U.S.). [Downloadable!] Burnside, Craig & Eichenbaum, Martin & Rebelo, Sergio, 1993." Labor Hoarding and the Business Cycle ," Journal of Political Economy ,University of Chicago Press, vol. 101(2), pages 245-73. [Downloadable!] Other versions: Craig Burnside & Martin Eichenbaum & Sergio Rebelo, 1993." Labor Hoarding and the Business Cycle ," NBER Working Papers 3556, National Bureau of Economic Research, Inc. [Downloadable!] Michael D. Bordo & Christopher J. Erceg & Charles L. Evans, 1997." Money, sticky wages, and the Great Depression ," Working Paper Series, Macroeconomic Issues WP-97-2, Federal Reserve Bank of Chicago. [Downloadable!] Ben Bernanke & Mark Gertler, 1987." Financial Fragility and Economic Performance ," NBER Working Papers 2318, National Bureau of Economic Research, Inc. [Downloadable!] Other versions: Bernanke, Ben & Gertler, Mark, 1990." Financial Fragility and Economic Performance ," The Quarterly Journal of Economics ,MIT Press, vol. 105(1), pages 87-114. [Downloadable!] Takeo Hoshi & Anil Kashyap, 1999." The Japanese Banking Crisis: Where Did It Come From and How Will It End? ," NBER Working Papers 7250, National Bureau of Economic Research, Inc. [Downloadable!] Woo, David, 1999." In Search of "Capital Crunch" - Supply Factors Behind the Credit Slowdown in Japan ," IMF Working Papers 99/3, International Monetary Fund. [Downloadable!] McGrattan, Ellen R., 1996." Solving the stochastic growth model with a finite element method ," Journal of Economic Dynamics and Control ,Elsevier, vol. 20(1-3), pages 19-42. [Downloadable!] Other versions: Ellen R. McGrattan, 1993." Solving the stochastic growth model with a finite element method ," Staff Report 164, Federal Reserve Bank of Minneapolis. [Downloadable!] Bernanke, B. & Gertler, M., 1995." Inside the Black Box: The Credit Channel of Monetary Policy Transmission ," Working Papers 95-15, C.V. Starr Center for Applied Economics, New York University. Other versions: Ben S. Bernanke & Mark Gertler, 1995." Inside the Black Box: The Credit Channel of Monetary Policy Transmission ," NBER Working Papers 5146, National Bureau of Economic Research, Inc. [Downloadable!] Bernanke, Ben S & Gertler, Mark, 1995." Inside the Black Box: The Credit Channel of Monetary Policy Transmission ," Journal of Economic Perspectives ,American Economic Association, vol. 9(4), pages 27-48. [Downloadable!] Harold L. Cole & Lee E. Ohanian, 1999." The Great Depression in the United States from a neoclassical perspective ," Quarterly Review ,Federal Reserve Bank of Minneapolis, issue Win, pages 2-24. [Downloadable!] Backus, David K & Kehoe, Patrick J & Kydland, Finn E, 1992." International Real Business Cycles ," Journal of Political Economy ,University of Chicago Press, vol. 100(4), pages 745-75. [Downloadable!] Other versions: David K. Backus & Patrick J. Kehoe & Finn E. Kydland, 1991." International real business cycles ," Staff Report 146, Federal Reserve Bank of Minneapolis. [Downloadable!] Nobuhiro Kiyotaki & John Moore, 1995." Credit Cycles ," NBER Working Papers 5083, National Bureau of Economic Research, Inc. [Downloadable!] repec:fip:fedmqr:y:1999:i:wint:p:2-24:n:v.23no.1 is not listed on IDEAS anymore repec:nbr:nberre:1794 is not listed on IDEAS anymore Michael D. Bordo & Christopher J. Erceg & Charles N. Evans, 1997." Money, Sticky Wages, and the Great Depression ," NBER Working Papers 6071, National Bureau of Economic Research, Inc. [Downloadable!] Fullreferences Statistics Access and download statistics Did you know? About 450 journals are listed on RePEc . This page was last updated on 2005-12-27. This information is provided to you by IDEAS at UConn Economics using RePEc data
home equity loan, ask
Shopping for a Home Equity Loan? -- Search: FTC Consumer Alert PDF Version Shopping for a Home Equity Loan? If you decide that the timing’s right for a home equity loan, ask your friends or family for recommendations of lenders. Then, comparison shop . Comparing loan plans will help you get a better deal. Contact several lenders, not just the ones that send you mail, call you, or knock on your door. Talk with banks, savings and loans, credit unions, mortgage companies, and mortgage brokers. Remember, brokers don’t lend money: they help arrange loans. Ask all the lenders you interview to explain the loan plans they have for you. If you don’t understand any loan terms and conditions, ask questions . They could mean higher costs. Knowing just the amount of the monthly payment or the interest rate is not enough. Pay close attention to fees , including: the application or loan processing fee, origination or underwriting fee, lender or funding fee, appraisal fee, document preparation and recording fees, and broker fees which may be quoted as points, origination fees, or interest rate add-on. If points and other fees are added to your loan amount, you’ll pay more to finance them. Also ask for your credit score . Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences – like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts — is collected from your credit application and your credit report . Creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points — your credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments when they’re due. Negotiate with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know that you’re shopping for the best deal. Ask each lender to lower the points, fees or the interest rate. And ask each to meet — or beat — the terms of the other lenders. Before you sign, read the loan closing papers carefully . If the loan isn’t what you expected or wanted, don’t sign the loan. Either negotiate changes or walk away. You also generally have the right to cancel the deal for any reason — and without penalty — within three days after signing the loan papers. The lender must return any money you’ve paid to date. Your Credit Report Because your credit report is an important part of many credit scoring systems, it’s very important to make sure it’s accurate before you submit a credit application. To get copies of your report, contact the three major credit reporting agencies: Equifax: (800) 685-1111 Experian (formerly TRW): (888) EXPERIAN (397-3742) Trans Union: (800) 916-8800 These agencies may charge you up to $9.00 for your credit report. To Learn More For more information about shopping for a home equity loan and a glossary of home loan terms, call the FTC’s Consumer Response Center toll-free at 1-877-FTC-HELP (382-4357). Ask for a free copy of Looking for the Best Mortgage: Shop, Compare, Negotiate ; and Home Equity Loans: The Three-Day Cancellation Rule . Or visit us online at ftc.gov . Lender A Lender B Lender C What are the monthly payments? What is the Annual Percentage Rate (APR)? (the cost of credit expressed as a yearly rate; includes the interest rate, points, broker fees, and other credit charges) What is the interest rate? (the cost of borrowing money expressed as a percentage rate) Will the interest rate change? When? How often? By how much? What will you have to pay in points? What will you have to pay in fees? Application or loan processing fee Origination or underwriting fee Lender or funding fee Appraisal fee Document preparation and recording fees Broker fees Other fees Are any of the application fees refundable if you don't get the loan? How many years will you have to repay the loan? Is this an installment loan or a line of credit? Is there a balloon payment? What are the total closing costs? If you use a broker, how will he or she be paid? Does the loan include optional credit insurance? (You don't have to accept optional credit insurance to get your loan.) If you want optional credit insurance, can you pay for it monthly instead of financing the premiums as part of your loan? Did you get a copy of your credit score? Can you afford this loan? 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. January 2001