Property Listing

Real Estate Listings: Home Sales Real Estate Listings Find real estate agents, houses, land for sale, home listings or check the latest mortgage rates and apply for a loan Real Estate Listings by State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware 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 Washington DC West Virginia Wisconsin Wyoming International Canada Real Estate Law Link to Us Mortgage Interest Rates Mortgage Calculator First Mortgage Home Equity Loans Refinancing Second Mortgage Home Mortgage Interest Rates Links Bad Credit Loans Credit Cards Unsecured Unsecured Loans Bad Credit Auto Loans Homeowners Insurance Real Estate Foreclosures Let REALTORS compete for your business! - Whether you're buying or selling, find the right REALTOR and the right price for you. First Time Home Buyer Program - First time home loans offering low rates, fast approval, and no hassles. All types of home loans, A+ to bad credit. Reply.com - Find Your New Home Search MLS Listings Buying or Selling your Home? Get your Free Home Valuation - Get your free home valuation today! If you are buying or selling a home - or need to refinance - Easy Home Valuation can get you the facts in 60 seconds. You need to know the facts before you buy, sell or refinance - and we have the information. Multiple buying & selling options, all types of homes, any location, no obligation. Request your home value today!!! LowCostLending.com - Great Rates with No Hassle? Click Here! Win a $50,000 Dream Home Make Over - Dreaming of a new home? Dont wait any longerturn your dreams to reality when you enter to win * FORECLOSED HOMES: NO MONEY DOWN! * - Try a FREE search in your area. 650,000 foreclosed homes, starting at $25,000 with NO MONEY DOWN! Get 1% Cash Back on Your New Home Purchase - iNest Realty, Inc provides an easy way to view and compare new homes from leading home builders and get 1% cash back following purchase ($2,000 on the purchase of a $200,000 home). Click here to save up to 80% on lodging! Lower My Bills - Get the Lowest Rate on Your New Home Loan FREE Home Seller Evaluation Kit Netquote.com - Offers residence insurance quotes: homeowners, renters, condo/townhome Find out how much your home is worth ChristianMortgageUSA.com - Homeowners! Your credit score doesn't matter! A quick NO Obligation Quote from USA Christian Mortgages is the answer. Selling Your Home? - Let REALTORS Compete For Your Business! Find great deals on real estate at eBay - Residential (existing homes, new homes, foreclosed homes); vacation homes; timeshares; office commercial; land and more Apartments.com - Find apartments with Apartments.com. View photos, floor plans, take a virtual tour and more! Homes101 has a real estate agent waiting to help you find a home right now! Get the best price for your home MotorHome Magazine - subscribe today and get one issue Free! ReliableRemodeler.com - Find Custom Home Builders Get Your Home's Value! -Receive a free comparative market analysis plus neighborhood comps! Nationwide Insurance Quotes - Click here to get a free home insurance quote. Get your Garden started today with FREE SEEDS - FREE SEEDS are being offered for a limited time, so HURRY and get your FREE seeds today. Click here Kitchen appliance giveaway - Get a FREE name brand Kitchen Appliance: refrigerator, dishwasher, oven - worth $1700 by participating in our program. Start by submitting your email address. Click Yes to Sign up Today!

Home Mortgage

NYS Banking Department-Residential Home Mortgage Rates from HSH Associates Interest Rate Information Mortgage Rates The information contained in this section provides a sample of the mortgage rates by region across the state. The entities listed for each region are representative of the mortgage lenders in the region. This is by no means an exhaustive list, nor is it meant to be. The rates listed may not be the most competitive you can find and are meant only to convey a range. The Banking Department recommends that consumers shop around to find the rates and terms that fit their needs by contacting a variety of mortgage lenders including commercial banks , savings banks and mortgage bankers . The Banking Department warns home buyers and owners to carefully review the terms of any loan and to consult a lawyer before signing any documents. For more information and tips on mortgages, read Shopping for a Mortgage: What you need to know in the consumer section of this Website. Capital Region Warren, Washington, Saratoga, Schenectady, Albany,Rensselaer, Greene and Columbia counties Central New York Cayuga, Oswego, Onondaga, Cortland and Madison counties Finger Lakes Region Orleans, Monroe, Wayne, Genessee, Wyoming, Livingston, Ontario, Seneca and Yates counties Long Island Nassau and Suffolk counties Mid-Hudson Sullivan, Ulster, Dutchess, Orange, Putnam,Westchester and Rockland counties Mohawk Valley Oneida, Herkimer, Hamilton, Fulton, Montgomery and Schoharie counties New York City Kings, Queens, Brooklyn, Bronx and Richmond counties NYC Co-operative Apartment Loans Five Boroughs plus North Country Jefferson, Lewis, St. Lawrence, Franklin, Clinton and Essex counties Southern New York Steuben, Schulyer, Chemung, Tompkins, Tioga, Broome,Ostego, Delaware and Chenango counties Western New York Niagara, Erie, Chautaqua, Cattaraugus and Allegheny counties First and Junior Lien Mortgage Loans- Calculate Your Payments Interest Rates in Text (for Downloading) Note: The Banking Department provides external links as a public service. The inclusion of, or linking to, other Web site URLs does not imply our endorsement of, nor responsibility for, those Web sites, but has been done as a convenience to our Web site visitors. Mortgage Rates provided by HSH Associates, Financial Publishers, Pompton Plains, NJ 800-873-2837 | Home | Search | SiteMap | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified October 17, 2005 FastCounter by bCentral

Sell House

Tips on Buying and Selling Your House Remarked out per Bob Gent 4/11/02 -- TIPS TO HELP YOU SELL YOUR HOME MORE QUICKLY Owners can help expedite the sale of their home by following a few guidelines to make the house more attractive to potential buyers. A thorough self-inspection and a walk-through with your real estate agent can reveal imperfections that might hinder a sale. (Please note: in Washington state, as in many other states, the seller must complete a "Real Property Transfer Disclosure Statement" form about the condition of property being offered for sale. Material defects must be disclosed.) House-hunters typically begin their inspection of a property bypreviewing its "curb appeal." A surprising number ofhomes are eliminated from consideration before potential buyersget out of their car because they find the exterior appearanceunsightly or uninviting. Following are some basic suggestions for improving the marketabilityof your home. Examine the lawn and flower gardens, making sure the lawnis mowed and free of drainage problems. Colorful flowers andshrubs can enhance the home's attractiveness. Check the sidewalks and driveway to make sure they're freeof weeds and clutter. Inspect the home's exterior, looking for loose, missing ordamaged siding and brickwork, a cracked and uneven foundation,and gutters, downspouts or fences that are in disrepair. Paintor repair any problem areas. Clear the decks! Clean decks, patios and steps, removingunnecessary furniture, toys and debris. Tidy up any pet areas. Inspect the front door. A fresh coat of paint or stain anda clean doormat can help create an inviting "first impression." Check lighting, making sure pathways and entry have adequateillumination. Inside the home, you should conduct an equally thorough inspection,since potential buyers are likely to open doors and cupboards,look into, look behind and operate everything to make sure thehome offers the space, layout and features they need. Extensiveredecorating isn't usually recommended, but all rooms should beclean and clutter-free. Think "light," "bright,""open" and "airy." Clear rooms (including closets and storage areas) of everythingbut the basics. Arrange furniture so rooms look spacious. Remove clutter from the basement and garage. Sweep floors,degrease spots and dust. Have carpets and drapes professionally cleaned. Patch walls and ceiling cracks, then repaint or wallpaper,using neutral shades. Check the basement for musty smells and signs of mildew orleaks, correcting any defects. Inspect bathroom and kitchen fixtures to make sure they sparkle,are leak-free and are otherwise functioning well. Remove stainsfrom countertops, sinks, tubs and showers. Test major mechanical components, including the furnace, waterheater and electrical system. Make sure windows and doors open and close easily. Replacecracked or scratched glass. Be aware of the amount and type of insulation. DETERMINING HOW MUCH HOUSE YOU CAN AFFORD Low mortgage rates and special incentives for first-time buyersare making the dream of home ownership a reality for more individualsand families. As you begin your search, you'll want to determinehow much house you can afford and what type of mortgage is bestfor your budget. In general, four factors will influence your ability to buy thatdream home. They are: how much of a down payment you will make. The more cash youput down, the less you'll have to borrow. the amount you need to borrow (your mortgage) to cover a monthlypayment for the loan principal (amount borrowed), interest ("price"charged for your use of the lender's money), taxes ( a portionof property taxes), and insurance. the mortgage interest rate. the repayment terms of your loan. When applying for a mortgage, your current earnings and expectedincome during the next few years may influence your borrowingpower. Outstanding long-term debt and how long you expect tostay in the home you're buying may also be considered. Most realty agents recommend getting preliminary approval fora loan, usually by getting "pre-qualified" or "pre-approved"for a certain monthly payment. Getting approved for a loan requireshaving a lender verify your financial situation, including yourcurrent assets (income, savings, investments and other sourcesof revenue) and your liabilities (existing loans, credit cardbalances and other obligations). Using this information, thelender will evaluate whether there are sufficient funds for thedown payment, whether you have adequate income to make monthlypayments, and your overall credit-worthiness, which is based ona review of your borrowing history. According to many real estate professionals and lenders, the biggestreason people get turned down for a loan is poor credit. Reviewingyour credit status and correcting any mistakes before applyingfor a loan can help you avoid surprises or disappointments. Consumersmay request a copy of their credit report from one of three majorreporting services: Equifax: 1-800-685-1111 Trans Union: 1-800-851-2674 Experian: 1-888-EXPERIAN (1-888-397-3742) A small fee may apply, although if you've been denied credit recently,federal law mandates that the lender tell you which company suppliedthe information. You have a right to a free copy of your reportfrom that company so long as you request it within 30 days ofthe credit denial. Pre-qualification, based on numbers you supply to a lender, isan indication of the range of what you can afford. Getting pre-qualifiedis neither a commitment to loan you money, nor is it an obligationby you to borrow from a particular lender. Lenders typically use one of two guidelines when evaluating aloan request. Most lenders will limit the loan amount to a percentageof your gross monthly income or to a multiple of your annualhousehold income. As a general rule, individuals or families can usually handlea housing payment that amounts to 25- to-28 percent of their grossmonthly income. Following this guideline, if gross monthly incomeis $3,500, monthly payments (inclusive of taxes and insurance)in the range of $875 to $980 are considered reasonable. Somelenders use an alternate ratio that allows 36 percent of totalmonthly income for housing expenses and other long-term debts,such as car loans, credit card payments and obligations for childsupport. (Monthly living expenses for utilities, groceries, entertainment,medical and auto insurance are not calculated in this formula.) Another guideline, based on gross annual household income, assumesmost borrowers can afford up to 2.5 times their gross annual income. This means a borrower with total income of $40,000 may qualifyfor a loan of up to $100,000. Whether using a "multiplier method" or a "percentagemethod," prospective home buyers should allow for closingcosts and moving expenses. (Closing costs are the fees and taxesthat are paid when the deed is transferred. These usually amountto 5-to-10 percent of the mortgage amount. Moving expenses includecosts for movers, as well as "move-in" deposits forutilities and other "necessities"). Many lenders provide work sheets and charts to help you calculateyour borrowing power, along tables so you can compare paymentsat different rates and for different loan periods. (Some realestate brokers and financial institutions even have "mortgagecalculators" on their Internet site to help you determinewhat you can afford.) Your borrowing power can be increased with favorable interestrates and terms. With lower rates, you can borrow more money. Different types of loans and the duration of the payback periodwill influence the interest rate that will be applied to yourmortgage. In general, the shorter the term of the loan, the lowerthe interest rate. There are dozens of different types of mortgage programs froma wide variety of financial institutions, including mortgage companies,saving and loan associations, commercial banks and credit unions. Prudent consumers will find it pays to compare options to findthe right loan for their particular situation. THE MULTIPLE LISTING SERVICE (MLS) A multiple listing service is a system for collecting and organizinginformation on available properties in a given area. Such informationis shared by members who agree to cooperate with each other andto abide by certain operating procedures. This service enablesbuyers to have a vast selection of homes to consider, while sellersbenefit from having their property exposed to a large networkof real estate professionals and their clients. Most brokers in the Seattle-Everett-Tacoma area are members of the Northwest Multiple Listing Service (NWMLS), formerly called Puget Sound Multiple Listing Association (PSMLA). More than 1,300 companies with approximately 15,000 licensed sales professionals currently belong to this independent association. In addition to its primary function of maintaining a comprehensive database on thousands of properties, NWMLS produces various legal forms, publications and reports for its members. The "multiple" also maintains an electronic keybox system, which allows access to listings by authorized agents. Other benefits include an array of computerized services to assist with property searches, financial analysis, communications between offices, and access to data on property taxes, local schools and other information. Ongoing training and technical support are also available to NWMLS brokers and agents.

land For Sale Alabama

AFOA Forestland For Sale Opening Page Events Calendar News News Conferences Land For Sale Hunting Land For Lease Fee Hunting, Guided Hunts, Club Memberships Services & Supplies Archived 2004 News Archived 2003 News Archived 2002 News Archived 2001 News Archived 2000 News Archived 1999 News Archived 1998 News 2005 Calendar Past Events 2004 Calendar Past Events 2003 Calendar Past Events 2002 Calendar Past Events 2001 Calendar Past Events 2000 Calendar Past Events 1999 Calendar Past Events 1998 Calendar Past Events 1997 Calendar Past Events Forestland For Sale Alabama Forest Owners' Association (AFOA) AFOA does not check with sellers to learn if a propertyhas been sold. We rely on sellers to notify us. A property that has been listed for morethan a month or two has probably been sold. Members may list one forestland sale on this page each year at no cost as long as the price does not exceed 4 times the "current-use" bare-land assessment (approx. $1,000 to $2,400 per acre) plus the value of the standing timber and regeneration. Members who wish to list more than one timberland sale per year or list land priced higher than the above guidelines may list properties for a fee. The description will be color highlighted. Effective January 2005 , all professional land sellers must pay a minimum $30 to post an ad, including those sellers which represent or are represented by a member. Click here to Send Description of Your Land To Be Listed. ( 12/21/05) 38 acres for sale in Gosport, AL . Great dove field or home site, planted pine, hardwood timber, county road frontage, & Pond Site. Pond site was surveyed out by ASCS office. This tract would make a great rural residential site or recreational tract. It is convenient to Hwy. 84, Grove Hill, and & Monroeville. Asking $83,600. For more info, photos, maps, etc. visit www.forestryland.com or contact Clint Flowers of A&M Forest Consultants, Inc. at (251) 387-0787. Merry Christmas ! (12/21/05) 3,268 acres for sale on the Alabama River in South Clarke County , south of Carlton, AL. 4000+ sq. ft Lodge constructed of Pecky Cypress harvested from property with garden tubs overlooking river, manager’s house, helicopter pad, private plane hanger in Jackson, sold fully furnished, and more amenities too numerous too describe. Timber consists of old growth, ~23 year old, and planted hardwood. Established food plots. Excellent, deer, turkey, pig, & duck hunting. An additional 2,625+/- acres is also available with purchase of the 3,268. For more info, photos, maps, etc., visit www.forestryland.com or contact Clint Flowers of A&M Forest Consultants, Inc. at (251) 387-0787. Merry Christmas ! (12/20/05) 20 and 40 acres in Itawamba County, Mississippi ; fronts on Dorsey Evergreen Road, near I-22 and the TEN-TOM Waterway. Pine trees, some hardwood and fenced pasture, and a small farm pond. $3,000 to $3,500 per acre. Call (919) 489-0849. (12/05/05) 385 acres in Marion County, Al . 20+ year-old timber. $900/acre. Call (205) 631-2575. (12/05/05) 200-acre farm for sale in Walker County, AL , 12 miles north of Jasper off highway 195 on Bennett Road. Fronts on county road. 2bd/1bth house, barn, 2 storage houses, 1994 Ford 3930 tractor. Plantation pines recently appraised at $100k. Asking $650,000. Contact Keith Wood at (901) 854-1744 or keith.wood@ipaper.com , or Myron Wood at (918) 492-1949 or twood001@aol.com . (12/02/05) 405 acres in Greene County . Tombigbee River, frontage, hardwood timber. Camp house. Call Walter Tutt at (334) 534-1315. Visit Tutt Land Company . (11/28/05) 198.2 acres in Macon County , located on County Road 7, four miles from Interstate 85, in Shorter, AL. Eighty-five acres of open land and the rest in hardwoods and pines with hunting, home sites, and year-round water. Asking price - $2,800/acre. Will consider dividing into two tracts. Call (334) 727-4344 or (334) 398-4344. (11/18/05) 109 acres in Mobile County . Over 100ac in excellent deer hunting. 40 unit RV park. 1/2 ready to move in. Other 1/2 of park is 90% complete. City sewer available for entire property and water. 5 miles to city limits. 20 minutes to Gulf of Mexico. 40 acres in pasture. $3,600/ac. (256) 782-1444 (mobile). (11/16/05) 216 acres in north Walker County , close to Smith Lake, with deer and turkey. $1,500/acre. For details, call Perry Lollar at (205) 275-5251. (11/16/05) 40 acres FOR SALE IN BIBB COUNTY - For sale by owner off County Road 20. Property was cut in 1999 and spot planted. Some mature hardwoods left. Site index and hunting. Priced at $1,725/acre. Call (205) 908-0913, day or night. (11/11/05) 97 acres in Tallapoosa County , thirty miles north of Auburn, one mile from US 280. Road frontage, visibility, some loblolly sawtimber, forage for livestock, fences, perennial streams, game, building sites, 30X48 four-year old barn. Pond/pond sites, rolling Piedmont country. $239,000. Call (606) 247-2645 or (334) 524-4242. (11/07/05) 120 acres of timberland in northwest Autauga County , Alabama, with two-bedroom cabin, 10-acre duck pond, and timber. $1,800/acre. Call Mike at (334) 875-7229 (at night). (11/03/2005) 389 acres in Perry County (Marion) Alabama . FOR SALE BY OWNER: PRICE DROP $2,050/acre down from $2,150, FIRM - 30 DAYS ONLY! Will be given to agent in December and price will be raised to cover agent’s fee - buy now or pay later! 60 acres six-year pine/oak, 90 acres hardwood, 120 acres five-year pine, 75 acres three-year pine, and 42 acres open. Working timber and cattle farm - completely fenced. Large creek-crossing property with several pond sites; Black Belt land, two useable old barns, a well, food plots and winter grazing planted. Hunting. Paved road frontage and power available at the property line. Local property manager will consider continued management of property. Call (877) 553-6281 or (706) 662-7682 (voice mail). (10/27/05) 210 acres in Clay County, Alabama . Paved frontage on White Plains Road; creek on property. 40 acres of pine plantation, which needs thinning, and remainder in mature timber. $2,150 per acre or best offer. Call (256) 354-4325, (256) 283-1824, or e-mail to sonny@acs-isp.com . (10/25/05) 114 acres in Walker County, Alabama : 84 acres mature hardwood, 27 acres 2004 plantation; 3-acre lake and 1,200 feet county road frontage. $190,000. Call (205) 221-6960 or check website at www.jhgrahamllc.com for more information. (10/21/05) 204 acres in Fayette County, Alabama , located off of County Road 89: contiguous timberland planted in nine-year-old pine plantation - fully stocked - valued at $580 per acre. Total asking price $320,000. MINERAL RIGHTS INCLUDED. Also, food plots and many other pluses come with this land! Call (205) 344-5139, (205) 799-0291, or e-mail to hwoodard@mlforestresources.com . (updated 10/25/05). (10/12/05) 222 acres in Atkinson County, Georgia , 141 acres of which contains improved slash pine. Hunting. $2,500/acre. Call (334) 393-5036 or (334) 464-4004. If out, leave a message. (10/06/05) 330 acres in Coosa County , 5 miles south of Rockford. Mature mixed pine/hardwood timber with established roads, food plots, and plenty of water for hunting and recreational purposes. $2500/acre. Call Ron at (334) 850-7045. (09/27/05) HEAVILY Timbered tracts with great hunting available. Cruise info, maps, & pictures available at www.forestryland.com or Call Clint Flowers of A&M Forest Consultants, Inc. at (251) 246-4934. More than 20 tracts to choose from throughout South Alabama and Mississippi!!! Creek frontage, River frontage, road frontage... we've got a little bit of everything! (09/27/05) 300 acres in Cullman County between West Point and Jones Chapel. Mostly wooded with small pond, creek, deer, and other game. $3,500 per acre. Call Jim Tidwell (256) 734-7384 or cell 338-3974. (09/25/05) 61 acres in Chilton County. Two adjacent tracts (60.15 ac. & 1.33 ac.). 3 miles south of Montevallo. Bid opening: 2:00 PM, Friday, October 14. For bid prospectus & maps call Tom Brickman at (205) 870-5455 or (205) 936-2160. (09/23/05) 320 acres in Fayette County. Access by county-maintained roads. Various stages of timber growth, both pine and hardwoods. Deer, turkey, and small game. $1,200/acre. Call Grover Daniel (916) 362-8507 after 10 AM. (09/15/05) 80 acres in North Autauga County . $2,200 per acre. Excellent hunting land. Property located 1 mile west of I-65. Value in land only. For map to property call Bob Roberts, Dogwood Realty, LLC at (334) 850-6503 (truck) or e-mail at bobroberts@knology.net . (09/15/05) 220 acres in north Crenshaw Co., AL . Pine plantation approximately 8 years old. Approximately 25 miles south of Montgomery. Paved & dirt road frontage. Pond sites. Excellent hunting. $3,250/ac. Call Knox Norman at (334) 562-3623. (09/06/05) 410 acres in Lamar County , 15 miles West of Fayette. Excellent deer, turkey & dove hunting with 35 acres open field. Good site for developing a lake. One mile of Little Hell's Creek. Merchantable timber. $550,000. J. H. Graham, L.L.C. , (205) 221-7999. (08/31/05) Sealed Bid Sale September 29, 2005. One tract 179 acres; the other tract 361 acres, Clay County, Alabama. The minimum acceptable bid is $175,000 on the 179 acre tract and $385,000 on the 361 acre tract. Elevations over 1,400 feet with excellent mountain vistas. For a combined bid on both tracts as a whole (540 acres) the minimum acceptable bid is $560,000. Portions of both tracts join paved county road. Stephens Realty (334) 863-6412. (08/25/05) 80 acres in Autauga County , off U.S. 82. Billingsley area. Year round stream. Clear cut and planted pines in 1990. Joins International Paper. $2,000 per acre. Contact Harold Smith at (334) 281-1836 or lsmith121@charter.net . (08/23/05) 38 acres in Wilcox County near Kimbrough, mixed pine and hardwood stand, NE1/4 of NE1/4 of Section 1, T12N - R5E for $79,000. Call Hudson Hines (251) 564-1457 or at night (251) 575-7696. (08/17/05) 56 acres in Wayne County Ms. near Chatom Al. Mixed mature Hardwood and Pine Timber, power and water available, public road access onto property. Great hunting and fishing. Chickasawhay River borders property on the western side. Beautiful camp or home site overlooking the river. $3000 per acre OBO. For more information call Marlon Giles @ (601) 735-3892 (modified 08/26/05) . (08/02/05) 491 acre tract located in Russell County , Alabama near Pittsview with ten-year old pine stand. Gravel Road and Paved Road Frontage. Excellent timber-growing land. Land is offered for sale in two tracts or as a whole. Sealed bids due Tuesday, September 6, 2005 @ 2PM EST. SELLER RESERVES THE RIGHT TO REFUSE ALL BIDS . For more information, contact bette.carnell@wachovia.com or call (706) 571-9877. (07/22/05) 80 acres in Wilcox County , cut over in 2002. Excellent timber growing land. $1,500 an acre. Call Ken Lowry at (334) 272-1261. (07/14/05) 92 acres in Bullock County . Excellent deer and turkey hunting tract located at Blues Old Stand. $3000 per acre. Contact Will Curtis at (334) 319-1815 or chill222002@yahoo.com . (07/08/05) 173 acres in Coosa County close to Lake Mitchell for $1,734 per acre. Value in land and timber. Call Bob Roberts, DOGWOOD REALTY, LLC at (334) 850-6503 or bobroberts@knology.net for map/information. Updated 10/11/05. (07/06/05) 70 acres in Clarke County, Mississippi. . Mostly 12 yr. old pines. Gravel rd. frontage. 3 green fields with shooting houses. Electricity available. Excellent deer hunting. $1375 per acre. Call Paul at (601) 735-3717 or (601) 270-7220. (06/22/05) 40 acres in Washington County : 16-year old replanted timberland located 5 miles south of Deer Park. Call Johnny D. Jones at (251) 777-8533. (06/16/05) 601 acres in Perry County , north of Marion, various stand types, road frontage, food plots, power and public water available for $901,500. Call Hudson Hines at (251) 564-1457. (06/02/05) Visit our Web Site at www.iplandsales.com . We have property available across the south. Regional sales coordinators can help you locate land that fits your needs. Check the website for listings and to find a sales coordinator that can help you in your area of interest. Blue Sky Timber Properties, LLC. (06/02/05) 197 ac North Autauga Co ., AL near Billingsly on County Road 1. Property includes 100 ac merchantable pine and hardwood timber. Paved road frontage. Public water and power accessible. 13 ac North Perry Co ., AL near Heiberger. One year old planted pines. One green field. Paved road access on Coon Landing Road. Public water and power accessible. Just minutes to Highway 5. Approximately 30 to 45 minutes drive South of Tuscaloosa. 82 ac Perry Co ., AL near Sprott on County Road 130. Call Tonya Johnson, Robjohn Realty Inc . (334) 289-1855. (06/01/05) 58 acres in Lamar County , Alabama. Big mature hardwood. Bottomland with creek; excellent hunting. Near Detroit, AL. $95,000. Call Joel Hubbert at (205) 412-3825. SOLD (06/01/05) 200 acres in Prentiss County , Mississippi in mostly 13-year old pine plantation about 14 miles east of Boonville, MS off Highway 30. Round frontage on 2 county roads. Good hunting and creek. $1250/acre. Call Joel Hubbert at (205) 412-3825. updated 7/22/05 (06/01/05) 1,142 acres NEAR MOBILE (and I-10), fronting Pascagoula River . Oxbow Lake, Fishing Slough, Duck Pond(s). Over $800/acre timber value, cruise available . Old Growth Hardwood-Pine, Pine Plantations, & some Regeneration HW. All timber unthinned. Great Deer, Duck, and Turkey Hunting... Even bear sign! Asking $1,400 per acre . Call Clint Flowers at (251) 246.4934, e-mail: clintflowers@forestryland.com , or view online at: www.forestryland.com . (06/01/05) 7.3 acres in Chilton County . Oak and pine timber. Price negotiable. Call Mary A. Daniel at (323) 757-2440. (05/23/05) 57 acres in Choctaw County . $1200/acre. Contact John Crook at (256) 409-7006 or mjnumber2@aol.com . SOLD (05/19/05) 401 acres in Perry County . 20 year old pines on 90% of property. Good road frontage. Mostly flat land. 10 green fields. Great investment. Only $2,150/acre. Contact Brad Adair (205) 824-3515. updated 9/28/05 (05/13/05) 360 acres, Madison County , Hunting land, good road system, ponds, springs, mature timber and 15 year regeneration, excellent deer herd and turkey flock, Contact Colin Bagwell (256) 852-4050 or your.forester@mchsi.com . (05/12/05) Land Auction June 25, 2005 10 AM. 400 acres located in Bankhead National Forest, Lawrence County, Alabama. Contact Chuck Crump, AmeriSouth Auctions (256) 353-7525. PENDING (04/11/05) LAND FOR SALE: Clarke County., 306 acres @ $1,350/ acre. 13 year old pines, food plots, on Bassett Creek! READY TO SELL!!! Contact Clint Flowers at (251) 246-4934. Many other properties, maps, and pictures available at: www.forestryland.com . (04/07/05) COURT SALE. 106.6 acres in Winston County. Land & Timber. T10S, R9W, Sec. 10 & 15. Auction at 11:00 AM, Friday, April 29, 2005. For information call (205) 932-0469 or (205) 612-7900 or write to michaelburrow@charter.net . (04/04/05) Clarke County: 40 + acres of clear cut: $60,000; 36.47 acres of dirt road frontage, unrestricted tract that can be broken down or sold as a whole: $70,000. Both properties in Gainestown. Hudson Hines (251) 564-1457. (04/04/05) Perry County: 471 acres : $701,500; 601 acres : $901,500; 130 acres : $200,000. Hudson Hines (251) 564-1457. (04/04/05) 78 acres in George Co., MS , $160,000 - mixed hardwood/pines. Sec 9, T1S R 7W. (601) 735-5016 after 6 PM. Lumberland, PO Box 482, Waynesboro, MS 39367. (03/22/05) 1242 Acre Tract -Timber, Hunting and Recreational investment; various timber stands, interior road system, and 14 acre lake; located on the Pickens and Tuscaloosa County line. For information call Dale Lancaster at Midsouth Forestry Services, Inc. at (205) 364-7145. (03/22/05) 139 acres in Clarke County near Silver Creek, only minutes from Alabama River and Claiborne Lock and Dam, thinned plantation with food plots and public water and power are available. $355,000. Hudson Hines (251) 564-1457. (03/10/05) 134 acres in Pickens County , Alabama on County Road No. 63. Located in Section 17 and 18 Township 22S, Range 13 W, near Mitchell Bluff Cemetery. Good hunting with small pond. Electricity and county water. Price: $1,250 per acre. Call John Davis after 7:30 PM at (405) 396-8180. (02/28/05) Seven timberland tracts for sale on the Cossatot River and Bakers Creek near Gilham Dam in the Ouachita Mountain Range, Howard County, Arkansas (2,359 total acres). Property has dual recreational and timber value. Kayaking, canoeing, camping, hiking, hunting and fishing. Bid opening date is March 24, 2005. Maps and timber volumes can be viewed at www.reynoldsforestry.com ; call Reynolds Forestry Consulting at 870-234-0200 (ext 1203); colleen@reynoldsforestry.com . (01/27/05) 320 acres in Calhoun County between Ohatchee and Southside. Property lays East of Hwy 77 and has deeded frontage to Hwy 77. Property consist of 10yr old natural regeneration pine, mature hardwood stream bottoms, 30acr of mature hardwoods by lake, 600 feet of lake frontage, 600 feet of creek frontage. Deer, Turkey and duck are abundant. Property has green fields, shooting houses and a good interior road system. Great for recreation or development. $2500.00 per acre. Call Joey Cooper at (256) 268-0498. SOLD (01/27/05) 159 acres in Marengo County , Alabama: Section 21, Township 12, Range 1 East with a 21 acre, 12 year-old pine plantation. Asking Price $268,700 (includes appraised timber value of $95,000). Second Parcel: 36 acres in Marengo County (same owner as first parcel): Section 16, Township 12, Range 1 East. Asking Price $32,408 or $900.22 per acre. Contact Holly Woodard at (205) 799-0291, 758-6182, 344-5139 or hwoodard@mlforestresources.com . (01/14/05) 208 acres in Franklin County for sale $192,000 Alabama (Northwest Alabama). Branch and underground spring. This is Dirt price but can get option for timber Planted 20 yr old pine, Hardwood, and 40 acres of 30 year old natural regeneration pine. 1 mile from beautiful 6800 acre Lake. Deeded easement to property, no road frontage. Public Water and Electricity 1700 feet from property line. Deer and turkey habitat. Lays Gently rolling with much flat. Ideal for wildlife food plot construction with much flats. Gated access. Contact Neal Taylor at (256) 332-7377, (256) 810-5552, or henrvt53@aol.com . SOLD (01/14/05) 469 ac in Greene and Tuscaloosa County . 322 ac in plantation pine from 3 to 11 years old. Site indexes for loblolly pine from 76 to 85. 8 green fields and a 16 ac beaver pond for duck hunters. 7.5 miles north of the Knoxville I-20/59 exit. Approximately 30 miles west of Tuscaloosa. Paved road access. Power and water accessible. Robjohn Realty Inc . Tonya Johnson (334) 247-2430 cell, Demopolis office: (334) 289-1855. (12/15/04) SEALED BID AUCTION : Property #1 : 681 acres in Henry County, Alabama near Abbeville. Offered in 2 tracts or as a whole, located on County Road 222. Tract #1 is 298 acres and Tract #2 is 383 acres. Property #2 : 255 acres in Henry County, Alabama near Abbeville located on County Road 217. Both properties are planted with 5-6 year old pines and have abundant wildlife. Sealed bids will be due by Monday, January 10, 2005 @ 2 PM EST. For complete auction details please visit our website, www.tranzon.com or contact Jeremy Masey at 1-800-942-6475. (12/14/04) 20.9 acres in Clarke County near Greenwood north of Grove Hill with 750 ft frontage on Goodhope and Thomasville Rd. $62,000. Call (256) 881-5139. (12/06/04) 78.9 acres in Noxubee County , MS, Mashulaville area - forestland or timber for sale: W1/2,NE1/4,S5,T14N,R15E. Mostly mature hardwood and pine timber in 55 to 75 year age class with 25 to 30% pole grade pine material. Contact Bill at (662) 234-5864 or 233 St Andrews Circle, Oxford, MS 38655. (11/24/04) 1080 acres in Macon County . Premier hunting and recreational property located in Central Macon County. Property consist of pine plantation, hardwoods, creek bottom, and excellent duck habitat. Improvements include a main lodge, guest house, barn with shop, game processing room with walk in cooler. Excellent interior road system, paved road frontage and dirt county road frontage. There is 3.4 miles of frontage on Calebee Creek which provides some of the best deer habitat around. Intensive wildlife management over the past 10 years have created one of the finest turn-key tracts on the market today. The property may be divided into 767 acres and 313 acres, the price per acre is $2860/ac. Contact Will Marks, www.landmarkslandco.com , (334) 832-7300 or wmmarks@mindspring.com SOLD (11/18/04) 210 acres in Jackson County . Hunter’s heaven. 12,000 square foot horse barn, 3000+ square foot bed and breakfast retreat, view of Paint Rock Valley Mountains. Contact Colin Bagwell (256) 852-4050 or your.forester@mchsi.com . Modified 08/04/05 . SOLD (10/25/04) 123 acres in Clay County , Waits Road area, Sealed Bid Sale, November 18, 2004. For bid package call Stephens Realty (334) 863-6412. (10/18/04) 520 acres in Lamar County. Off of Steens / Vernon (County Road #9) about 4 miles from MS line. 80 acres of mature large timber, the remainder is planted in 5-7 year old pine plantation. Excellent hunting with deer, duck, turkey and squirrel and established food plots and shooting houses. Duck hunting is enhanced by a 32 acre beaver pond, sloughs, old creek runs and about 2 miles of Yellow Creek running through the property. Interior access roads through property and 4-wheeler bridge across creek. $655,200. Call (662) 327-4676 for information. SOLD (10/05/04) 160 acres, Northern Clay County on Shinbone Ridge for $168,000, timber cut in 2002, mountain land, elevation 1,060 to 1,480 feet, does not join a public road, good investment and hunting land Stephens Realty (334) 863-6412. SOLD (09/10/04) Lamar County: 30 acres. Mostly young pine timberland. Small creek. Highway frontage. Good hunting with roads & green field. $1,200 per acre. 40 acres. Same type land. Access road but no easement or road frontage. $800 per acre. Call Joel Hubbert at (205) 412-3825. (09/01/04) Visit http://www.alalandco.com to see all of AlaLandCo’s listings or call 1-256-825-4331 for a showing! 440 acres, Lee Co .--10 minutes from Auburn, nice big creek bottoms, 10 yr. old planted pine, terrific deer & turkey hunting, county road frontage. Will divide into 2 or 3 tracts. $1,100,000; 377 acres, Talladega Co .--Cotton & soy farm in the city of Talladega. Borders nice new neighborhood and the Bemiston community. Residential developer’s dream at $2500 per acre. $942,500; 164 acres, Clay Co .--This recreational/ hunting tract has it all! Rustic 3 BR, pine cabin on beautiful, large, swift, rocky creek. Canoeing, fishing, great deer & turkey hunting, awesome mountain views, many spring fed hardwood bottoms, good timber value. $328,000 SOLD (08/26/04) 453 acre tract in southeast Marion County. Frontage on paved road and New River. Bid date Sept 30th @ 2:00 p.m. For more information visit website at: www.jhgrahamllc.com or call (205) 221-7999. (08/26/04) 40 acres in Noxubee County, Mississippi . One mile North of Macon, MS, 30 miles West of Aliceville, AL. Timberland and recreational property. CRP income $1900+/yr. (planted pine, 10 & 13 yrs old, with riparian stream). Great hunting. $2000/acre. Call John Alford at (954) 561-1858. Editor's note (10/12/04): advertised price per acre was reduced by seller to $1500 from $2000 and location was modified to 25 miles W. from Aliceville from 30 miles. (08/06/04) 5 to 300 acres in East Central Alabama. Owner Financing Available. Timberland, Hunting Land, Pastureland, and Premium Home sites. Visit http://www.robertking.net . SOLD (07/23/04) 370 acres in Macon County. Excellent hunting and timber investment, paved frontage with water and power run into property, nine food plots, internal road system, 2 lakes, pine plantation and hardwoods , some open land. Between Tuskegee and Union Springs east of Hwy 29. $2,297/acre. Contact Will Marks, Landmarks Land Company , at (334)832-7300 or wmmarks@mindspring.com . Under Contract (07/13/04) 80 acres in Clay County off Alabama Hwy. 77. Property fronts two sides of Antioch road. Has year round water, roads, some timber. Food plots and excellent hunting with a variety of wildlife. $150,000. Contact Mr. or Mrs. Hopewell at (205) 274-0004 or nhopewell@otelco.net . Updated 06/27/05. (06/24/04) 126 acres in Elmore County on Rifle Range Road. Excellent hunting. Beautiful view all surrounded by rolling hills of pine plantation. Call D. S. Hopson Farms, (985) 898-1972 or 789-7330. (06/24/04) 64 acres in Elmore County on Rigsby Road. Some timber. Call D. S. Hopson Farms, (985) 898-1972 or 789-7330. SOLD (06/24/04) 103 acres in Bullock County. 65 acres in planted pines age 18 & 14. Balance in hardwoods. Direct access to State Highway 239 near Smuteye community. $1,650 per acre. Write to Dr. James S. McLelland at jsmtreefarmer@aol.com . SOLD (05/20/04) 164 acres in Clay County. 150 marketable mature hardwood. Small 3 br hunting cabin with central h/a. Food plots, creek, spring fed branches. Good fishing. Excellent deer, turkey and upland game hunting. $260,000. (256) 547-9522. ((05/17/04) www.farmsandtimber.com is a commercial website with links and contact information for numerous land sales companies. (03/28/04) 40 acres in Autauga County between Selma and Prattville, north of 14 off CR 1, deeded access, plantation and areas of mixed pine and hardwood for only $63,000.00. Hudson Hines, (251) 564-1457. (03/24/04) 1,656 acres in north Mobile County. Includes a 3 bedroom house, garage and utility building. Excellent stands of longleaf pine. Gallops Creek runs through property. Bid date: May 26, 2004. For bid package, call Jessica Little, Larson & McGowin, Inc., (251) 438-4581. (03/16/04) Three tracts of land in Sumter County, Alabama: 80 acres -- http://www.billmackeyproperties.com/livingston80ac.html SOLD (03/03/04) Approximately 6 2 / 3 acres in Macon County. Ideal for a trailer site. Will sell for $6,000. Call Mrs. Ida Catherine Richardson at (334) 727-1560. (slightly revised 7/14/04) SOLD (02/11/04) 7,174 acres in Jasper County, Mississippi. Timberland and recreational property. To be offered as a whole tract or on individual tracts ranging in size from 43 acres to 1,447 acres. Sealed bids to be opened on April 14, 2004. For additional information and bid package, call Greg Wittendorfer, AmSouth Bank Natural Resources Department, (251) 438-8359. SOLD (11/11/03) 122 acres in Randolph County for $244,000 located on paved road, partly in the city limits of Roanoke. No significant merchantable timber. Stephens Realty (334) 863-6412 dstephens@communicomm.com (11/04/03) 601 acres in Perry County north of Marion for $901,500.00*. Tract is on CR 29 and has plantations, and mixed pine and hardwood timber. Tract can be sold as 130 acres for $200,000 * or 471 acres for $701,500*. Hudson Hines (251) 564-1457. * revised from $844,000, $182,000, & $662,00, resp., 03/22/05 . SOLD (10/13/03) 70 acres in Clay County near Millerville. Timber recently cut except 10 acres on backside of creek. County road is the west boundary line. Will sell for $850 per acre and cut the remaining timber or will sell for $850 per acre and add remaining timber value to sales price. Contact Larry Jones at Thornton & Associates, Inc. at (334) 567-5436 or lrjones01@bellsouth.net . (10/09/03) 1,885 acres in Geneva County, Alabama and Walton and Holmes Counties, Florida. Auction November 8 at 11 AM. Call J.P. King Auction Company 1-800-558-5464. (09/06/03) 290 acres in Coosa County near Goodwater. Hwy. 9 is west property boundary in Section 33 & 34, Township 24 north, Range 20 east. Excellent hunting, creek, adequately stocked young pines and hardwoods as well as larger timber. Will bid in 5 parcels or total acres.Bid opening at Cecil’s Restaurant, Alex City, October 10 at 10:30 AM. Call Pennington Forestry at (205)596-3219 or 712-0995. (08/04/03) Eiland Forestry and Real Estate has several Recreational and Timber Tracts listed in central Alabama . Please contact us at (205) 655-0191 or on our website at EilandForestry.com for maps and locations. (07/01/03) John Hall & Company has several hunting, recreation, & timber investment tracts listed for sale in Bullock, Clay, Conecuh, Crenshaw, Dallas, Lowndes, Macon, Marengo, Monroe, Montgomery, Pike, and Russell counties. Acreage ranges from 50 to 2,500. Call 1-800-864-1281. SOLD (06/20/03) 200 acres in St. Clair County. 1000 feet frontage on County Road 22. Mostly hardwoods. 2 acre fishpond. 4 game food plots. $1550/acre. Contact Chip Grizzle at (205) 714-1004 or cgrizzle@brasfieldgorrie.com . SOLD (06/20/03) 80 acres in Blount County on Narrows Road between Hwys 75 & 79. 1/4 mile county road frontage. Surveyed. Call (931) 728-2358. SOLD (06/06/03) 163-acre farm in Cleburne County. Five miles off I-20. Includes barn, 1300 feet of river frontage, bass pond and 14 acres of bottom land. The remaining 143 plus acres is mature hardwoods. Great hunting tract for deer and turkey. Price reduced to $1800.00 per acre from $2250.00 per acre. (09/03/03) Call Tom at (256) 396-0025. (06/03/03) 40 acres in Covington County to be sold by sealed bid on July 17, 2003 at 10:00 AM. Mostly mature longleaf and slash pines surrounded by Conecuh National Forest. Call (251) 867-7724. SOLD (05/30/03) 231 acres in Randolph County. Court ordered auction, June 14, 2003, at 9:00 a.m. (CST) on the steps of the Randolph County Courthouse in Wedowee, AL. To be sold in tracts and/or as a whole. Prime hunting land. Call 1-866-814-5297. (05/02/03) 81 acres in Covington County. 18.9 in CRP 15 year oldpines, 50 acres in 5 year old pines, Balance in native hardwood. 2 branches, 3springs. 3 bedroom, 1 bath, 1200 sq. ft. wood frame farm house on Cothan Driveoff of Rose Hill Road. Call C. V. Wallace at (334) 347-9709. (02/22/03) 40 or 80 acres in Choctaw County. 8 year old pine timber with great hunting and easy access from paved roads. Just east of Butler & 45 minutes from Meridian, MS. $1500 per acre. Contact B. J. Allen at (239) 283-4998 or bjall@aol.com . (02/21/03) 191 acres in Jackson County. Some open, some wooded, 1.5 paved miles of frontage on Jackson paved roads 43, 38 and 49 , public water, adjoins public school, $1545 per acre. Contact Howell Smith at (256) 377-1148 or dianews@wwisp.com . (02/08/03) 160 acres in DeKalb County. Auction at Fisher Crossroads: 10 AM, Saturday, February 15. For details call Dempsey Auction Company at 1-800-336-7739. Click here to visit sale webpage. (02/05/03) 250 acres in Crenshaw County. Mixed pine & hardwood timber. Good hunting. $2,250 per acre. Sell all or may divide. Call Mary P. Carlton at (334) 227-4660. (01/07/03) You may list land for sale at www.landbook.com at no cost for the next 6 months. Click here to view Archived Land for Sale (land that was listed on this page in the past) . (00/00/00) $15 PER UNIT (THIS IS SIX UNITS) X X X X X X X X X X X X X X X X X X X X 1 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 2 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 3 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 4 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 5 X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X 6 Contact Information: Alabama Forest Owners' Association, Inc. P. O. Box 361434 Birmingham, Alabama 35236 Phone: (205) 987-8811 Fax: (205) 987-9824 Email: AlaFOA@aol.com

Home Loan

Welcome to FHLB Cincinnati! -- -- Members Only Login User Name: Password: -- Terms and Conditions Privacy Policy Many documents on this site require Adobe Acrobat. Download Now Housing Workshops The FHLBank is holding regional workshops on the Affordable Housing Program (AHP) and Welcome Home program from January 19 through February 2 throughout the District. The AHP workshops will focus on the online AHP application, which opens February 1 with a deadline of March 31. Some of the topics included in the Welcome Home workshops are eligibility; program changes for 2006; and reserving, requesting and receiving funds. The Welcome Home program will open on February 1. FHLBank Cincinnati's Fourth-Quarter Dividend Approved The Federal Housing Finance Board's Office of Supervision has approved a fourth-quarter dividend of 5.75 percent per annum for the period October 1, 2005 to December 31, 2005, compared to 4.875 for the third quarter. This dividend will be paid in the form of additional shares of capital stock on December 31, 2005. FHLBank Closed Monday, December 26 and Monday, January 2 In observance of Christmas Day and New Year's Day, the FHLBank will be closed on Monday, December 26 and Monday, January 2. Happy holidays to all! Year-End Deposit Pricing, Advance Requests, and Funds Transfer Notices Due to the potential for volatility in the Federal funds market during the holiday season, the FHLBank has modified the following policies and procedures related to its services. The FHLBank will reserve the right to price funds from incoming wires received after 2:00 p.m. EST, at the prevailing rate at that particular time. In order to ensure same day credit for incoming wires, the wire transfer must be received by 3:00 p.m. EST . In addition, the FHLBank requires that all advance, securities, MPP activity and deposit program transaction requests, as well as outgoing wire transfer requests, be made prior to 2:00 p.m. EST on December 23 and 30. New Neighbors Hurricane Assistance Program The New Neighbors program was created by the FHLBank to provide housing assistance to households displaced by the 2005 hurricanes. Member institutions and their partner sponsors can obtain grants of up to $20,000 per rental or owner-occupied unit. The next deadline for rental applications will be announced in January, 2006. The New Neighbors Homeownership Program is an open window and available on a first-come, first-served basis. For more information, click here . CMA/Var 1 day 4.41% 1 month LIBOR 4.49% 3 month LIBOR 4.61% Reg Fixed 7.00 yrs 5.06% MMA 10 yrs 5.64% MMA 15 yrs 5.81% SPMMA 10-5% CPR 5.27% SPMMA 10-15% CPR 5.23% SPMMA 15-10% CPR 5.28% Rates Posted 12/29/2005 2:16:59 PM List of advance rates investor relations mark your calendar FHLBank 2006 Dates • holiday schedule • regional stockholder meetings • housing workshops • housing deadlines