Home Equity

Federal Trade Commission Home Search: | Help | Advanced | Site Map | Privacy Policy | About FTC | Commissioners | File a Complaint | HSR | FOIA | IG Office | En Español Contents FTC Headlines -- Of Interest Hot Topics For Your Information: Announced Actions for December 27, 2005 The Commission has approved the publication of a Federal Register notice announcing that in 2006 it will conduct a regulatory review of the Guides for the Nursery Industry, 16 CFR part 18, the Recycled Oil Rule, 16 CFR part 311, and the Used Car Rule, 16 CFR part 455. The Commission has approved the issuance of a final consent order in the matter concerning Johnson & Johnson’s acquisition of Guidant Corporation , along with the transmittal of a letter to the commenter of record. More... Last Updated: Tuesday, December 27, 2005 10:48 AM PRIVACY INITIATIVES HISTORY OF THE FTC JOBS AT THE FTC EARLY TERMINATIONS CONFERENCES & WORKSHOPS HEARINGS REPORTS INTERNATIONAL ACTIVITIES RN DATABASE Fair Credit Reporting Act (including FACT Act) FTC Merger Best Practices FTC/DOJ Hearings and Report on Health Care and Competition Law and Policy E-CONSUMER.GOV NO FEAR ACT DATA WEBSITE POLICIES RELATED SITES Important Notice Regarding New FTC Filings Office for Part 1, 2 and 3 Filings HOME | CONSUMERS | BUSINESSES | NEWSROOM | FORMAL | ANTITRUST | CONGRESSIONAL | ECONOMIC | LEGAL Privacy Policy | About FTC | Commissioners | File a Complaint | HSR | FOIA | IG Office | En Español Federal Trade Commission, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580

Home Loan Program VA

Information on the VA Home Loan Program Information on the Home Loan Program Am I Eligible for a VA Loan? Property Management Construction and Valuation Lenders & Servicers Contact VA Loan Guaranty Service Forms Loan Guaranty HomePage VBA HomePage VA Homepage If You Owe VA VA Monitoring Unit Loan Production Specially Adapted Housing Information on the VA Home Loan Program VA Pamphlet 26-4 VA-Guaranteed Home Loans for Veterans. This pamphlet is designed to help veterans planning to purchase or construct homes, particularly those veterans who intend to finance with VA home loans VA Pamphlet 26-91-1 A Quick Guide for Homebuyers & Real Estate Professionals VA Pamphlet 26-6 To the Homebuying Veteran - A guide for veterans planning to buy or build homes with a VA loan Start here for brief information about VA Home Loans. Pamphlet 26-71-01 Questions and Answers on Manufactured Home Loans for Veterans . The questions and answers included in this pamphlet are intended to cover major items of interest to veterans interested in buying a manufactured (mobile) home. VA Pamphlet 26-93-1 VA Direct Home Loans for Native American Veterans Living on Trust Lands . VA direct home loans are available to eligible Native American veterans who wish to purchase or construct a ho me on trust lands. Home Buying Links Useful links to help you with your homebuying experience . Fact Sheet Information on VA Home Loans Information on the Home Loan Program / Am I Eligible for a VA Loan? / Property Management Construction and Valuation / Lenders & Servicers / Contact VA Loan Guaranty Service / Forms Loan Guaranty HomePage / If you owe VA / Monitoring Unit / Loan Production / SAH Disclaimer / Privacy & Security Statement / Freedom of Information Act Contact the VA / VBA HomePage / VA HomePage This page has been accessed since February 16, 2003. Reviewed/Updated: May 19, 2005 [kt]

Home For Sale

Homes on Sale - Browse - property for sale by owner Sell Car | Insurance | mortgage | credit cards | loans | England (3219) Scotland (422) Wales (294) Ireland (244) Europe (7560) USA (823) Canada (265) Africa (392) Asia (1150) Caribbean (91) Middle East (450) Oceania (143) All England Scotland Wales Ireland Europe USA Canada Africa Asia Caribbean Middle East Oceania Any words All words Exact Phrase Advanced Search Search By AD # Samui Island Luxury House + Red teak wood furniture no fee & Tax, !!Spacial price!! 1. 200 yards from beach. 2. 39K - 3/4 Bed. Sea Captains House 3. bargain house near greek and turkish border ,spa resort ,lakes 4. Jumeirah Islands, Dubai 5. Disney Orlando 5 minutes 6. Dalmatian old stone house/TRGOSTAN 7. Samui Island Luxury House + Red teak wood furniture no fee & Tax, !!Spacial price!! 8. 1 Bedroom and Studios in Dubai International City 38k+ Freehold (Dubai Property) 9. Attractive house near Greek border 10. FREEHOLD PROPERTY DUBAI MARINA Online Now Welcome, guest ! We have 3 members and 385 guests online. Home : there are (15073) homes for sale by owner! Sell your house online today! It is free to advertise this month normally £25 now £0.00 until sold ... hurry offer lasts only until January 2006! [ register now ] Sell your house FAST! Buy a " For Sale " board England (3221) English property for sale, rent, PX ... Scotland (422) Scottish property for sale, rent, PX ... Wales (295) Properties on sale in Wales Ireland (244) Properties on sale in Ireland Europe (7568) Properties on sale in Europe USA (826) Properties on sale in the USA Canada (270) Properties for sale in Canada Africa (393) Properties on sale in Africa Asia (1150) Properties on sale in Asia Caribbean (91) Buy and sell property in the Caribbean Middle East (450) Properties on sale in the Middle East Oceania (143) Properties on sale in Australia, New Zealand, Fiij Featured homes - being sold by owner 4 Bedroom Detached Property LLANELLI, 4 bed, Price 249500 BRAND NEW GROUND FLOOR APARTMENT Duquesa, Nr Estepona, 2 bed, Price Euros185000 villa in Marbella REDUCED marbella, 3 bed, Price euros675000 Detached house for sale in Pumula, Bulawayo Bulawayo, 1 bed, Price 5000 Recently Reduced House For Sale Crewe, 4 bed, Price GBP249950 detached Bungalow FOR SALE leverington near Wisbech, 2 bed, Price 140000 Semi-Detached house for sale in Sitges - Spain Sitges, 3 bed, Price 600000 Luxury Villa In Warsaw, Poland (European Union) Warsaw, 4 bed, Price EUR3900000 Brittany Modern Detached House in pretty village. Langourla Dept.22, 4 bed, Price euro190000 Polruan/Fowey with harbour views Polruan/Fowey, 2 bed, Price 315000 Impressive timber-framed family home Hoxne, 3 bed, Price 440000 Canadian Style Lodge, Ranch/Farm , Riding Hall, Large Family Farmhouse, barns, Large Hay Barn , 1.8 hectares of Land. Lohnsburg, 6 bed, Price euro550000 Latest 10 Property Ads Photo Title Beds, City Price Posted Country Residence 5, Bulawayo US$ 0 29, Dec 2005 Large 5 Bedroom Terrace 5, Liverpool 195000 29, Dec 2005 6 Bedroom Art Deco Flat 6, Saltdean 365000 29, Dec 2005 France , Corse : House with a swimming pool near sea NOW 420000 5, France, bastia 390000 29, Dec 2005 Established Gite Complex For Sale 10, Pouligny Notre Dame 425000 29, Dec 2005 HOUSE IN COSTA DAURADA 3, TORREDEMBARRA ( LA POBLA DE MONTORNS) 228385 29, Dec 2005 Equestrian Property on 20.000 square meters 3, Susteren EUR 1135000 29, Dec 2005 Near BISCAROSSE St Julien en Borne 1, St Julien en Borne Euro 125000 29, Dec 2005 Detached 4 bedroom villa 4, Kusadasi 49500 29, Dec 2005 100 4, lake hopatcong /nj emty 425000 29, Dec 2005 Featured Ad's Home LOAN Conveyancing Home Insurance Credit Cards For Sale Board Compare Mortgages Mortgage calculator Property Books Finance Check? Guides Savings Calculator Estate Agents Spin Selling your own home Adding a photo Standard Loans Loan APR Northern Rock Loan 5.6% Liverpool Victoria Loan 5.8% cahoot fixed rate loan 5.8% Amberloan 6.2% Home | Place Ad | Browse | Terms | Privacy | Top Sites | Sitemap | Forum | Links | Services | Contact us ©2005 Homes On Sale

Real Estate Broker and

NYS DOS, Real Estate Professional Page NYS Department of State Division of Licensing Services F requently A sked Q uestions Applicants for Real Estate Broker and Salesperson Licensure Do I need to be licensed? Generally, Article 12-A of the Real Property Law provides that anyone who, on behalf of another and for a fee, 1) negotiates a sale, exchange or rental of real property, 2) collects rent, or 3) negotiates a commercial loan secured by a mortgage must be licensed as a real estate broker. What is the difference between a real estate broker and a real estate salesperson? A real estate broker is responsible for the supervision and conduct of the real estate brokerage business. He or she applies for and holds the license on behalf of the brokerage. This person is known as the "representative broker." A real estate salesperson works for and is supervised by the representative broker. The salesperson acts as the representative broker's agent. All listings, although perhaps negotiated by a salesperson, are accepted by the representative broker. How do I become a real estate salesperson or broker? In order to qualify for licensure as a real estate salesperson, an applicant must have satisfactorily completed a 45 hour salesperson qualifying education course in real estate approved by the Secretary of State, and have passed a qualifying examination administered by the Department. In order to qualify for licensure as a real estate broker, an applicant must have at least one year of experience as a licensed real estate salesperson or at least two years of experience in the general real estate field (e.g., buying and selling your own property, managing property owned by your employer), have satisfactorily completed both the qualifying salesperson course of 45 hours and an additional 45 hour real estate broker course as approved by the Secretary of State, and have passed a qualifying examination administered by the Department. Who licenses mortgage brokers? Anyone who negotiates or attempts to negotiate any mortgage loan other than a mortgage loan on residential property, in the state of New York, is required to be licensed as real estate broker, or as a salesperson associated with a real estate broker. This license is issued by the NYS Department of State. To negotiate a mortgage loan on residential property (one to four family building) registration with the New York State Banking Department is required. If I am a real estate management company, do I need a real estate broker's license? That depends on what services you provide. If you collect rent or place tenants in vacant spaces on behalf of your landlord client, the answer is yes. If, on the other hand, your services are strictly maintenance, the answer is no. you are not acting as a fiduciary (not handling another person's money). Whom do I call if I am not sure whether I completed my 22.5 hours of continuing education during my license term? Contact the school(s) you attended. Schools are required by law to maintain course completion records for three years. You may request duplicate certificates from the school(s) in the event you are audited. In order to renew my salesperson license, I completed the 45-hour broker qualifying course. Can I apply the extra 22.5 hours to my next license term? No. The law clearly states that continuing education must be completed within each license term. I could not complete the continuing education, but I wish to renew my license anyway. Can I apply for an extension? Please refer to §177.6 in the real estate law booklet. Extensions will only be granted in bona fide hardship cases. You must submit the following, preferably prior to your license expiration: a written request for the extension, completed renewal form, fee, and original documentation demonstrating your hardship; i.e. , medical documentation. I think I might be exempt, but I am not sure when I originally became licensed. Can you tell me when I was first licensed? No. The Department of State only maintains seven years of real estate records. You may possibly determine your original date of licensure if you know when you completed the salesperson course and how long it took you after completing the course to apply for your license. What happens if I do not complete my continuing education and don't renew my license? If you do not renew your license, you cannot conduct any real estate activities that require a New York State real estate license in accordance with Article 12-A of the Real Property Law. There are no grace periods that allow you to continue working while not licensed. You have two years from the date your license expires to renew your license. If you fail to renew within that period, you will be required to pass the state written examination. No continuing education will be required to repeat the licensing process again. When you submit your new salesperson application, you must include the following: your new examination results, application fee, and a copy of your expired license/pocket card or ORIGINAL proof of completing the salesperson course. If possible, it is better to submit original proof of your salesperson course. If you do not have an original certificate, then call the school where you took the course to request another certificate. If you are applying for your broker's license, you must submit ORIGINAL proof of your 45-hour salesperson course and 45-hour broker course, or a copy of your expired broker's license. How do I obtain a waiver from the 45-hour salesperson or 90-hour broker course requirement? You must submit a written request stating the waiver you are applying for along with ORIGINAL proof of course completion, a detailed outline listing topics and hours, and a course description. We only review prelicensing courses from other states that were completed in a classroom setting. (No home-study/correspondence courses.) The prelicensing salesperson's course must be at least 45 hours of classroom instruction and the broker's course, 90 hours. In addition, if you have graduated with a Master's Degree with a concentration in real estate, you may qualify for a 90-hour waiver of the qualifying courses. Please submit an official transcript with your waiver request. If you are granted a waiver, you will receive the waiver letter, the license application, real estate law booklet, and examination schedules. When you are ready to apply for your license, please submit the ORIGINAL waiver letter with your application, fee, passed examination results, and any other required documents. I have been a real estate licensee for many years. Am I exempt from the continuing education requirements? Article 12A statutorily requires all real estate brokers and salespeople to complete 22½ hours of Department of State approved education within their two-year license period prior to the date of expiration. The law does provide for an exemption from this requirement for a real estate broker who has 15 consecutive years of combined licensure as a salesperson and a broker and who is actively engaged in the real estate business as a real estate broker at the time of renewal, or an admitted NYS attorney. Where do I get more detailed information? You may access pertinent law and regulations, applications and exam schedules from this website. You may also request this or other information by calling a Division of Licensing Services customer service representative at (518) 474-4429 or by writing to: New York State Department of State Division of Licensing Services 84 Holland Avenue Albany, New York 12208-3490 [ NYS Department of State Home Page ] [ Licensing Services Menu ] [ Real Estate Professionals Page ]

Property Search Enter a

Find Estate Agents & Properties for Sale & to Rent at TEAM Association Estate Agents Over 500 Estate Agents throughout the UK Home About TEAM Agent Search Contact TEAM About TEAM Find out more about TEAM's Independent Estate Agents working together for you. Agent Search Find your local TEAM Estate Agent from more than 560 in the UK and Worldwide. Conveyancing TEAM No sale no fee conveyancing with secure online customer file access. TEAM Surveyors Local surveyors with local knowledge. Find your local TEAM Surveyor here. UK Property Search Enter a UK placename or Post Code e.g. Southampton or SO41 buy rent New Homes Search from thousands of newly built homes across the UK. Distinctive Homes Search from hundreds of distinctive homes throughout the UK. Overseas Homes Search from thousands of overseas homes from France, Spain, Florida, and more ... Homefile from Conveyancing TEAM Cutting the time it takes to move by up to 4 weeks! Compiling and processing all the legal paperwork associated with the sale of your home can add weeks to your move. By preparing most of this paperwork in advance, our new Homefile service can save anything up to 4 weeks. -- TEAMprop.co.uk Reloaded! The UKs most up-to-date property website, now better than ever before. Over 40,000 properties and 560 estate agents brought to you in real-time using our unique multi-listing software and website, with over 41 million visitors since January 2000 and 45,000 visitors daily. Are you an Independent Estate Agent in the UK or Overseas? Find out how to join the TEAM -- Find the home of your dreams Our Overseas members and affiliates can offer you literally thousands of properties in over 14 countries. Unrivalled choice and quality backed up by the reassurance and support of Team from beginning to end. If you have any specific Overseas Property requirements, or are an agent interested in joining the TEAM Overseas network click here -- Privacy Policy Terms of Use