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 ]

Land For Sale

Caribbean Real Estate Property For Sale Waterfront and Water View In Roatan And Belize Caribbean Real Estate For Sale Waterfront & Water View Belize: a tropical waterfront development on the Bay of Chetumal Beautiful ¼ acre lots start at $12,900 US$'s, as little as $130.17 per month with 20% down. 1300 feet of shoreline and three small Mayan ruins on property. English is the official language & law based on English law. Two miles across the bay from great shopping in Chetumal, Mexico. Pier with swimming platform, waterfront park and lagoon planned. Daily flights from the US to Belize (about 2 ½ hours to International Airport.) World class diving and deep sea fishing 30 miles across the bay. Electricity, water, and roads completed in Section - 1 & 2 (50 lots in these sections.) Property management company available to assist owners. Several Caribbean style bungalows/homes available for sale. Neither inheritance nor capital gains taxes in Belize. No snow or freezing weather in this tropical climate. Get in on the ground floor in this new Caribbean development. Roatan: 46.44 acres of rolling hills on Roatan (Bay Islands), Honduras with views of the Caribbean on both sides of the island. Hilltop parcels with outstanding views of the Caribbean Sea from three ridges. Several nice building sites on each ridge. Selling all 46.44 acres for $10,000 per acre, or $394,400 for the parcel. Roatan: 1.36 acres of commercial property on Roatan (Bay Islands), Honduras near Sandy Bay. SOLD - The parcel is between the Coxen Hole and the very popular West End. This property is across the highway from a diving resort. This nice commercial property is listed at $42,000. Roatan: Palmetto Ridge, a planned development 95.5 acre on a tropical mountain on the island of Roatan (Bay Islands), Honduras. Magnificent hill top and hillside views of the Caribbean with cool breezes. Some of the planned amenities include mountain top club with swimming pool, gardens and walking trails, and underground utilities. Project for sale at $14,000 per acre. For information on any of these properties contact Arthur Higgins 12107 Mazefield Houston, Texas 77070 Tel # 281-497-7797 E-mail: arhigs@attglobal.net

Home Loan

Homes and Communities - U.S. Department of Housing and Urban Development (HUD) HUD news Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Hurricane Information HUD's hurricane resource page How to get help Press releases and photos HUD's response to the hurricanes Progam guidance and waivers Katrina Disaster Housing Assistance Program Contact information Operating requirements Consolidated contributions contract Disaster rent subsidy contract HUD Highlights Bush Administration announces $1.33 billion in grants to house and serve thousands of homeless individuals and families $20 million aimed at increasing public housing resident self-sufficiency and aiding elderly, disabled HUD seeks nominations for second annual Woodson Awards President Bush announces Homesteading Initiative Jackson signs 'Five-Star' statement of support for National Guard and Reservists HUD announces mortgage assistance for disaster victims Avoid Predatory Lenders Web Clinics for HUD Partners National Calendar of events Daily message At Your Service Learn how to buy a HUD home Learn how to apply for public housing and Section 8 See if HUD owes you a refund on your FHA loan Find a HUD-approved lender in your area Talk to a housing counselor File a housing discrimination complaint Submit Freedom of Information Act (FOIA) request Busque información en español Learn about the President's agenda to expand homeownership More services Important Links Medicare Prescription Drug Coverage Annual Performance Plan 2005 Performance Accountability Report (PAR) Equal employment opportunity data posted pursuant to the No Fear Act regulations.gov Information by State Find information about homes and communities, organized by state. Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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 Puerto Rico/ Virgin Islands Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Homes for Sale Find homes for sale from HUD and other federal agencies. Information For... Citizens Homebuyers Senior citizens Veterans/Military Kids Students People with disabilities Researchers Landlords Tenants Colonias/farmworkers Native Americans Victims of Discrimination Housing Industry Lenders Brokers Housing agencies/tribes Multifamily industry Appraisers Other Partners Grantees/ non-profits Congress/ elected officials Small businesses Fair housing Faith Based and Community Organizations Hospitals Investors Auditors/ investigators Now Playing Appraisal Protocol Content updated December 23, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Real Estate Agent Find

Real Estate One Detroit, Ann Arbor, Northern Michigan, Michigan Real Estate - Home 1st to Know Property Search Search By Map Open House Search Find an Agent Our Locations Preparing to Sell Get Pre-approved Relocation Assistance Quick Find Street name or listing number Featured Homes 2150 Strader Dr, West Bloomfield Township 3220 Lakeland Ct, White Lake View All Featured Listings Be the 1st To Know A complimentary service for home buyers and the most efficient way to search Michigan homes for sale. Register to receive automatic email alerts as properties that meet your specifications become available for sale. Click here . Search Michigan Real Estate Listings From Traverse City to Lansing to Detroit. We dominate the real estate market in Southeast Michigan including, but not limited to, Oakland, Macomb, Washtenaw and Wayne Counties. Via this property search link you can view homes in Ann Arbor, Plymouth, Birmingham, Clarkston, Grosse Pointe, Downriver, Monroe, and many, many more: Metro Detroit Real Estate, Southeastern Michigan We also heavily cover Northern and Central Michigan in areas such as Traverse City, Charlevoix, Petoskey, Higgins and Houghton Lake, Lansing, and many more. Please visit one of the real estate links below for access to homes throughout Central and Northern Michigan: Traverse City Real Estate, Northwest Michigan Other Michigan Real Estate Listings Not familiar with an area of Michigan? Search by Map Find a Michigan Real Estate Agent Find over 1800 leading real estate professionals in Michigan. If you have worked with us before, look up your Real Estate One, Max Broock or Johnstone & Johnstone agent. If not, we'll help find the right professional for you. Click here . 2005 Real Estate One. All rights reserved. Privacy Policy Contact Us

Colorado Real Estate brokers

Telluride Colorado Real Estate - Luxury Resort Homes, Condos, Rentals and Ranches | Ski and Golf Telluride Real Estate Local Telluride Real Estate Brokers showcase the area's largest selection of real estate in Telluride .Featuring Telluride Colorado buyer's agencies, a pristine selection of Ranches in Colorado , Slope Side Condos , Telluride Luxury Homes and more... Telluride awaits! This is your chance to own real estate in Telluride Colorado. Tired of the crowds at Vail and Aspen then try Telluride, Colorado's premiere vacation and resort real estate. " Our Collection ", of Estate Homes, Slope Side Condos, Western Ranches, and Sprawling Land Parcels, represents an investment opportunity in a market where demand is steady and land values continue to increase. Inside you will find some of the most exclusive Telluride Properties: Homes, Ranches, Land and Condosall available in Telluride. The telluride real estate developers, builders and architects in Telluride Colorado and Mountain Village are as committed to environmental stewardship as they are to creating a unique Telluride. Condos and Homes, Skiing and Golfing, a community with privacy and luxury unequalled in other Colorado mountain towns. Enjoy all that the Telluride Ski and Telluride Golf resort has to offer. Whether you dream of a luxury weekend retreat, a seasonal home, or the ultimate retirement investment, there will never be a better time then now to secure one of these exclusive properties in Telluride. Real Estate brokers with over twenty five years of Telluride Real Estate experience are waiting to assist you. Come to where your style of living is confined only by your imagination. Virtual Tours Town of Telluride, Mountain Village, Telluride's Town Park, and more TellurideVideos Bikini Slalom, Gold Hill, Palymara, San Miguel River Skiing Magazines TOP 10 Ski Resorts "Telluride Ski and Golf Club", is one of the most exclusive, golf and skiing communities you will ever find. Vacation or live in the Telluride Colorado region - possibilities include ranching opportunities, commercial endeavors and luxury five 5 star accommodations at the Telluride ski resort area and Real Estate market in Telluride Colorado.Featured Colorado Real Estate brokers offer: ranch property, real estate properties, builders advice, condo rentals, houses, homes,buyer's broker agency, long term property rentals. Telluride Properties Telluride Condos Telluride Land Luxury Homes Telluride Ranches Telluride Rentals Telluride Brokers Speciality Properties Ski Real Estate Golf Real Estate Resort Real Estate Park City Real Estate Deer Valley Heber Valley Texas Real Estate Features Virtual Tours Telluride Videos Telluride Builders Telluride Architects Real Estate Partners List your Properties Contact Us Add Resource Site Map HOME Preferred Partners San Diego Real Estate Telluride Real Estate Vacation Rentals Las Vegas Centennial Resource for Real Estate from Marketing Tool Sponsored by: Telluride Magazine - Telluride Real Estate - Telluride Visitor Guide Your #1 source for Ski and Golf Real Estate 2005 Park City Web Design - All rights reserved.