Real Estate Brokers and

Real estate brokers and sales agents Occupational Outlook Handbook, 2006-07 Edition U.S. Department of Labor | Bureau of Labor Statistics | Bulletin 2600 Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Source: Bureau of Labor Statistics

Real Estate Listing

Sustainable Sources - Sustainably-Built Home Classifieds Sustainable Building Sustainable Building Sourcebook Sustainable Building Calendar Conferences Green Building Links Green Builder News -- Case Studies --Sustainable Reading Sustainable Sources Bookstore Articles Sustainable Tourism Eco Travel in Latin America Our Services Search Greenbuilder.com: Results should match with: all the words any words Go to Advanced Search Related Sites Austin and Texas Environmental Groups Catalogs & Commercial Sites Translate these pages Contact Our Webmaster Buy or Sell your Sustainably Built Home! Buy the home you have always dreamed of or sell your green home for theprice it's worth. Search The Listings List Your Property Confirm or Modify a Listing How it works: 1) List Your Property . Enter detailed information about your property. Upload a picture if you have one. Realtors are welcome. 2) Keep it current . Each month we'll send you a reminder email. Log in, find your listing, and confirm that it's still for sale. Make changes to your listing at any time. 3) What does it cost? Right now, just $10.00 per listing! 4) Tell everyone! Tell your friends, your business partners, and any other potential Green Building fans you know about your listing here. Tell your realtor, too. Put pointers to your listing on your own web site and in your email signature. It's easy to remember - www.greenbuilder.com/realestate/ Why a property listing service? Sustainably built homes are the wave of the future, and some have technologyso new that realtors may not yet be up to speed. Help your realtor getmoving fast by listing in Sustainable Sources. Your ad will be seen bypeople who know green building. As a long time leader in green building information, Sustainable Sources is uniquely positioned to connect buyers with sellers. Since we don't have the space constraints of print publications, we can allow full descriptions of your property at far less cost. A 30-word classified ad run once in one well known print quarterly would cost more than an unlimited-word ad at Sustainable Sources for a $50,000 home which will run until the property sells. Let us know when you are successful in selling or buying a sustainably built home. We love good news! Realtors - Lenders - Builders - Architects Ask us about advertising on this site!

Colorado Real Estate -

Colorado HomeFinder | Aurora Real Estate, Search Aurora Homes for Sale in the MLS Call 800.231.9153 | Contact Us If you already have an account, sign in here Aurora Colorado Real Estate - find out first about the newest Aurora real estate listings! You learn about Aurora homes for sale the day they hit the market - before other buyers. Automated HomeAlert emails you new listings that fit your personal home search criteria and gives you access to all the Aurora Colorado real estate listings. It's easy - Just submit your email address and home search criteria. Your email is not shared or sold to anyone. You incur no obligation or cost for this free Aurora real estate service. Our Privacy Policy: We respect your privacy. All information provided is strictly confidential and you can unsubscribe at any time. Colorado HomeFinder will never sell or share your information with any outside parties. Click here to review our Privacy Policy . Your Automated HomeAlert Search Criteria * Required information Property Type: * Please select... Single Family Condominium or Townhome Any Property Price Range: * From Price.. 75,000 100,000 125,000 150,000 160,000 170,000 180,000 190,000 200,000 210,000 220,000 230,000 240,000 250,000 275,000 300,000 325,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 - To Price.. 100,000 125,000 150,000 175,000 200,000 225,000 250,000 260,000 270,000 280,000 290,000 300,000 310,000 320,000 330,000 340,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 10,000,000 Min Bedrooms: 1 2 3 4 5 Min Bathrooms: 1 2 3 4 Min Square Feet: No Preference 500 600 700 800 900 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 2,700 2,800 2,900 3,000 3,250 3,500 3,750 4,000 4,500 5,000 6,000 Age of Home: No Age Preference New Construction Only 5 years or less 10 years or less 20 years or less Older than 50 years City Preferences: * Aurora Select at least one city... Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Contact Information Name: * First Name: Last Name: E-mail: * (Valid email address is required to receive listings) Re-enter E-mail: * Phone Contact: * Home Phone: Work Phone: Information that will help us serve you better Your level of Interest: * I have a HIGH interest in buying a home and am ready to start visiting homes now. (Please provide your phone number) I have a MEDIUM interest in buying a home, but I just started my search and need to become more familiar with the market. I do not have any definite plans to move at this time. I am just curious about the listings that are currently on the market. I currently: * live in Colorado plan to move to Colorado Your Comments Any additional information that will help us better understand your needs I agree with Colorado HomeFinder Terms & Conditions Just getting familiar with Aurora Colorado real estate? Or, do you know the exact street where you want to live? No matter what stage you are in your Aurora home search, Automated HomeAlert is for you! The latest technology makes finding Aurora homes for sale easier than ever ! Automatic email notification of new listings and access to all the Aurora real estate listings from all the brokerages saves you time - and makes searching for homes fun. You are in control! Colorado HomeFinder lets you search for Aurora real estate at your own pace. If you are just thinking about a buying a home, no problem...the Automated HomeAlert System is a great way to get familiar with the Aurora Colorado real estate market. If you are ready to start seeing Aurora homes in person, just let us know. Our local, licensed Aurora REALTORs can show you any property on the market. Get matched with a great Aurora REALTOR When you're ready for the assistance of a Aurora REALTOR, we will match you with the Colorado HomeFinder REALTOR that knows your target market best. Colorado HomeFinder agents are hand-picked REMAX professionals that average over 15 years of experience. We're a Colorado company, not a national referral service with a "list of agents." Our REALTORs are some of the best in the business and are true Aurora Colorado real estate market experts! Colorado HomeFinder, RE/MAX Alliance 4770 Baseline Road, Suite 200 Boulder, CO 80303 Aurora HomeFinder | Buy a Aurora Home | Sell a Aurora Home | Aurora Homes for Sale | Browse Aurora Listings | Aurora Realtors | Aurora Mortgage | Aurora Relocation Call toll free (800) 231-9153 or local (303) 543-3083 to be connected with a local expert Aurora RE/MAX REALTOR. New listing emails: Aurora Colorado Real Estate Denver Real Estate | Boulder Real Estate | Fort Collins Real Estate | Colorado Real Estate Broomfield Real Estate | Castle Rock Real Estate | Evergreen Real Estate | Highlands Ranch Real Estate | Littleton Real Estate We're a Colorado company with a network of hand picked RE/MAX REALTORS in 17 local offices across the state. 2005, Colorado HomeFinder , all rights reserved. Each office independently owned and operated. Privacy Policy | Terms of Use

Home Equity $30,000 Cash

Home Loans - Home Equity Loans About Ditech Questions? Calculators Testimonials Live Chat Contact Us My Account Apply Now En Español -- Reach a home loan agent 24/7:   Legal Marketing Disclosures     Home Equity $30,000 Cash Offer $30,000 example based on 300 monthly payments of $219.27 with 7.375% APR. Your rate and term may vary. Radio Disclosure Tags: #1. California: 12 sec. Licensed by the California Department of Corporations under the California Residential Mortgage Lending Act. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #2. Arizona: 12 sec. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Arizona Mortgage Banker License number BK-0903062. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #3. Colorado: 12 sec. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #4. Georgia: 12 sec. Ditech.com is a Residential Mortgage Licensee license number 5845 in Georgia, 5871 Glenridge Drive Atlanta Georgia 30328. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #5. Michigan: 12 sec. Competitive rates, and low lender fees...direct from the Lender. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #6. Minnesota: 12 sec. This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minnesota Stat section 47.206 (3) & (4). Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #7. Massachusetts: 12 sec. In Massachusetts business is conducted under the name of ditech.com. Inc., Massachusetts Mortgage Lender license number ML 1895. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #8. Pennsylvania: 12 sec. Ditech.com is a Pennsylvania Department of Banking Licensee. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender #9. Connecticut: 12 sec. Competitive rates, low lender fees and no broker commissions from ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #10. Nevada: 12 sec. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #11. Maryland: 12 sec. In Maryland business is conducted under the name GMAC Mortgage Corporation dba ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #12. Washington D.C.: 12 sec. In Washington D.C. business is conducted under the name GMAC Mortgage Corporation dba ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #13. New York: 12 sec. A Licensed Mortgage Banker -New York State Banking Department. Ditech.com is located at 3200 Park Center Drive Costa Mesa California 92626. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #14. Florida: 12 sec. Competitive rates, low lender fees and no broker commissions from ditech.com. Subject to underwriting approval. For details and disclosures go to ditech.com or call 1-800-767-LEND. Equal Housing Opportunity Lender. #15. Average time from application to disbursement of funds may vary.   "I've dealt with a few different companies and was totally unsatisfied until I got in touch with ditech. Very painless." - Charlene N. Legal   Assumptions Marketing Disclosures General Disclosures Privacy Policy Terms of Use State Licenses Security Guarantees New Purchase   Overview Product Solutions Adjustable Rate Loan Home Strength Imperfect Credit 80/20 Program Overview Ditech $395 Flat Fee Moving Solutions Rates and Fees Rates at a Glance Payment Calculator Interest Rates Calculators Payment Calculator How Much Can I Afford? Free eAppraisal Frequent Questions Refinance   Overview Product Solutions Adjustable Rate Loan Imperfect Credit Ditech $395 Flat Fee Rates and Fees Rates at a Glance Payment Calculator Interest Rates Calculators Payment Calculator Free eAppraisal Frequent Questions Home Equity   Overview Product Solutions 125% Value Overview $49 2nd Mortgage Flat Fee Interest Only HELOC HELOAN vs. HELOC Benefit Comparison Detail Comparison Additional Research Home Improvements Financing Debt Consolidation Loan How Do Equity Loans Work? How Much Equity Do I Have? Types of Interest Types of Interest Rates Calculators Payment Calculator How Long to Pay Off My Credit Cards? Free eAppraisal Frequent Questions Home Equity Frequent Questions 125% Value Frequent Questions print bookmark size + : size ++ : size +++ Equal Housing Opportunity Lender   A GMAC Financial Services Company Assumptions | Disclosures | Terms of Use | Privacy Policy | Security | Site Map State licensing © 2005 ditech.com

buy Home [Magazine Subscription]

Amazon.com: Real Simple [MAGAZINE SUBSCRIPTION]: Magazine Subscriptions Your Store Magazine Subscriptions See All 32 Product Categories   Your Account | Cart | Wish List | Help | Advanced Search | browse subjects | top sellers | today's deals | gift ideas | newspapers | professional & trade Search Amazon.com Magazines Newspapers Newsletters Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . MAGAZINE INFO Explore this magazine buying info editorial reviews customer reviews See more images Customers also bought these magazines these other items Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS MAGAZINE I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the Books Store Real Simple: The Organized Home by Editors of Real Simple Magazine Spec tacular Readers Never misplace your reading glasses again with the hip andstylish magnetic readers from CliC . Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . Real Simple [MAGAZINE SUBSCRIPTION] Cover Price: $54.00 Price: $28.68 ($2.39/issue) You Save: $25.32 (47%) Issues: 12 issues/12 months See more images Print a Magazine Gift Card Ordering it as a gift? Give your recipient a personalized Real Simple gift card! ( Flash Player required.) See more magazine gift options . Magazine subscriptions always ship free, and they help you qualify for FREE Super Saver Shipping on the rest of your order! See details . $10 Holiday Bonus Offer: For a limited time, order two or more subscriptions to RealSimple at Amazon.com and get a promotional certificate for $10off a future order. See details . Ready to Renew? Learnhow . Availability: The first issue should arrive in 6-10 weeks. Here's why See more product details Better Together Buy this magazine with In Style [Magazine Subscription] today! Total List Price : $101.88 Buy Together Today: $52.56 Product Details Format: Magazine Shipping: Currently, item can be shipped only within the U.S. Publisher: The Time Inc. Magazine Company ASIN: B00023J4H0 Average Customer Review: Based on 147 reviews. Write a review . Amazon.com Sales Rank: Today: #11 in Magazine Subscriptions Yesterday: #6 in Magazine Subscriptions For magazine orders, your name and mailing address will be shared with the appropriate publisher. This magazine subscription is provided by Synapse Services, Inc. Customers who bought this magazine also bought: O, The Oprah Magazine [Magazine Subscription] Martha Stewart Living [Magazine Subscription] Cooking Light [Magazine Subscription] Lucky [Magazine Subscription] Explore Similar Items : 19 in Magazine Subscriptions , 20 in Books , and 18 in DVD What similar items do customers ultimately buy after viewing this item? 15% buy this item(Real Simple [Magazine Subscription] 13% buy Domino [Magazine Subscription] 7% buy Metropolitan Home [Magazine Subscription] 7% buy House Beautiful [Magazine Subscription] 2% buy Home [Magazine Subscription] Explore Similar Items : 9 in Magazine Subscriptions , 9 in Books , and 5 in Tools & Hardware Editorial Reviews From the Publisher Real Simple is the new magazine for the way you want to live today. You'll find actionable solutions to streamline the ways you manage your life. Systems for reducing clutter, saving time, and reducing stress. Inspiring ideas about home, food, money, clothes, health, work, family, and holidays. Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 148 of 189 people found the following review helpful: You've got to be kidding. , February 6, 2003 Reviewer: Auliya "An Avid Reader" (Austin, TX USA)- See all my reviews Beautiful photography, but empty articles, and advertising, advertising, advertising. Every item, on every page, is an advertisement. Everything. Every sentence in every article, every caption, every line in the index. There are numerous special sections devoted to product endorsements, although they're phrased as "tips." They should give this magazine away for free, considering the money they must make off the advertising. Sure, while it's somewhat "handy" to know what's depicted and discussed (usually the URL and price are provided) it makes me a little uneasy. I feel suckered. I feel uncomfortable. Euugh. --This text refers to the edition Was this review helpful to you? ( Report this ) 159 of 186 people found the following review helpful: Real Simple is simply about buying stuff , June 23, 2003 Reviewer: A magazine reader (Austin, Texas) I subscribed to this magazine for a year and enjoyed my first few issues, but I soon noticed that all of the ideas for "leading a simpler life" involved purchasing expensive products. You might as well just flip through a Pottery Barn catalog. They both offer the same fantasy -- "What a stress-free, genteel life I could lead if only I had closet organizers and all-white furniture!" Eventually I simplified my life by letting my subscription run out. --This text refers to the edition Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 3 of 4 people found the following review helpful: My favorite magazine! , December 20, 2005 Reviewer: Starr Calooy "The Wordsmith" (San Antonio, Texas)- See all my reviews I have read the reviews and find several to be inaccurate and incomplete so I want to set the record straight! This magazine does have advertisements but they all compliment the subject matter of the copy. I am a business owner/mother/caregiver/author so I truly appreciate and use all of the great organizing articles. I also don't have time to track down where to buy the products they suggest so I find the information provided extremely helpful. This is the first magazine I have ever taken the time to read or even ordered! All the others are so similiar and boring, but Real Simple shows me step-by-step how to accomplish what I need to do for my home, what materials to buy(come on! -a coffee can to store Christmas light strings are not expensive!)and where to get them! I look so forward each month to my new issue. I am buying a subscription for my best friend this Christmas. I also planned my entire Christmas dinner party two nights ago by their suggestions and it was a huge hit. The ads really are a plus- not a negative element! Congratulations on such a big success Real Simple! Was this review helpful to you? ( Report this ) 0 of 1 people found the following review helpful: i'm totally hooked.. , December 19, 2005 Reviewer: K. Santos (New York, NY)- See all my reviews i can't say that i read it every month, but when i do i devour it. i LOVE the ideas and the new product lines. the mag is so attuned to what i crave to see and buy and know. i feel like i've learned a lot from the mag and now i have a 3 yr subscription. i'm totally hooked on this mag. Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: good, mindless reading , December 17, 2005 Reviewer: Dee Dee (San Antonio)- See all my reviews This is a good magazine if you're looking for short, simple articles. The tips are useful, but try to focus on one or two per issue or else you'll be taking on too much. The product recommendations are right on. I have not bought anything recommended in this magazine that was not excellent. My only complaint is that there are, of course, too many ads. Was this review helpful to you? ( Report this ) 3 of 4 people found the following review helpful: Useful , December 15, 2005 Reviewer: Michael J Edelman (Huntington Woods, MI USA)- See all my reviews This is the sort of magazine I think I would have appreciated more back in my student apartment-living, bead-curtain, cinderblock-bookcase, cable-spool-as-table days. That's the design ethic portrayed. Some of the articles are rather clever, and the projects- making a switchplate from a beercan, or building a stylish garden building for $1500- are often novel and useful. They're not all winnners, of course; some project ideas are pretty awful. And as others have noted, much of the content is devoted to mindless fashion slavery and buying. But for the urban single or young couple looking for some cheap design ideas, it's pretty useful. Was this review helpful to you? ( Report this ) See all 147 customer reviews... So You'd Like To... Protecting Your Spines Natural Curves., :by Dr Adam Weiss , Doctor and Author Depression is common for those with chronic back pain... :by Dr Adam Weiss , Doctor and Author The BackSmart Pilates Method ! :by Dr Adam Weiss , Doctor,Author, and Pilates Instructor Listmania! My 8 Favorite Magazines :A list by Anne , health-obsessed runner Magazines for your at home Chef :A list by Psboston7 , 16 Various Magazine Subscriber Recommended Fashion Magazines :A list by designerlooks4less , www.designerlooks4less.com Look for similar magazines by subject: Browse for magazine subscriptions in: Subjects > Home & Garden > Design & Decoration I have read this magazine, and I want to review it. Is there a specific product you'd like us to sell? Tell us about it. Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect. The page contains typographical errors. The page takes too long to load. The page has a software bug in it. Content violates Amazon.com's policy on offensive language . Product offered violates Amazon.com's policy on items that can be listed for sale. Comments or Examples: Examples: Missing information such as dimensions and model number, typos, inaccuracies, etc. Where's My Stuff? • Track your recent orders . • View or change your orders in Your Account . Shipping & Returns • See our shipping rates & policies . • Return an item (here's our Returns Policy ). Need Help? • Forgot your password? Click here . • Redeem or buy a gift certificate. • Tax and seller information • Visit our Help department . Search Magazines Newspapers Newsletters All Products for Turn your past purchases into $$$ Learn more about selling at Amazon.com today! Top of Page Search | Browse Subjects | Top Sellers | Today's Deals | Gift Ideas | Newspapers | Professional & Trade Amazon.com Home | Directory of All Stores Our International Sites: Canada | United Kingdom | Germany | Japan | France  | China Help | Shopping Cart | Your Account | Sell Items | 1-Click Settings Investor Relations | Press Releases | Careers Conditions of Use | Privacy Notice © 1995-2005, Amazon.com, Inc. or its affiliates