Home Mortgage will give

Mortgages Choice Home Mortgage Reverse Mortgages Website Production By: Contact Us Apply Online Loan Guide Welcome to ChoiceHomeMortgage.com We offer mortgage and home loan programs available from over FIFTY regional and national lenders. We can help you to purchase a new home or refinance your current one for home improvement, consolidation of debt, or just to lower your existing monthly mortgage or home loan payments. We will find for you some of the lowest mortgage and home loan interest rates lenders have to offer. Apply online , now and $ave HUNDREDS , contact us . Whether you are buying a home or refinancing your existing mortgage, Choice Home Mortgage will give you the personalized attention you deserve. In the event you have ever filed for personal bankruptcy or have past or existing credit problems, our LOAN STALKER can help you obtain the mortgage you are seeking. Please call, all information about your mortgage is kept confidential. Choice Home Mortgage Phone: 1-800-525-9940 Fax: 631-758-9201 e-mail: info@choicehomemortgage.com We write mortgages for more than 50 regional and national lenders, clients with perfect credit, and those with less than perfect credit! Apply Online | About Us | Loan Programs | Non-Conforming Loans | Step By Step Guide Loan Document Checklist | $ave Hundreds | Contact Us Registered Mortgage Broker NYS Banking Department All loans arranged through excellent third party lenders. Mortgage Rates For Conventional & Non Conforming Loans Mortgages and Home Loans For Mortgage Rates use our free quote form. Choice Home Mortgage located in Long Island NY

Real Estate Broker

Real-Estate-Agents.com: Directory of Agents in US / Canada Real-Estate-Agents.com Find Real Estate Agents in the US and Canada HOME || Contact Us Directory of Real Estate Agents This site is a "no bells, no whistles" directory of links to real estate agents in the US and Canada. Somewhere in here is the house or property of your dreams! It's our goal to list more agents than any other directory, both residential or commercial. If you know an agent who would like to be added, please navigate to the regional listings and look for the "Add your Agency" link near the bottom of the page. We hope our listings help your real estate search, but please note that local real estate agents we list are responsible for their own websites and their own business practices. REAL ESTATE AGENTS: UNITED STATES Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. 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 West Virginia Wisconsin Wyoming Tips and Articles REAL ESTATE AGENTS: CANADA Alberta British Columbia Manitoba New Brunswick Newfoundland Nunavut NWT Yukon Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan REAL ESTATE AGENTS: OTHER Europe Other Areas BACK to TOP Shopping | Privacy | Contact Us

home equity line of

NYS Banking Department-Home Equity Line Of Credit Survey Interest Rate Information Home Equity Line Of Credit Markets Albany Buffalo Long Island New York Metro Rochester Syracuse Westchester Co, NY Definition of terms used in this survey. New York State home equity line of credit Average Highest Lowest 6.72 8.25 1.74 Albany Institution Telephone Date Rate Fees and Conditions Adirondack Trust Co 518-584-5844 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $10,000 min Central National Bank 800-449-6842 12/23/05 8.25 P+1.25% (no floor); no yrly fee; $7,500 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 518-270-3200 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.75 P-0.25% (no floor); no yrly fee; $2,000 min TrustCo Bank 518-436-9043 12/23/05 7.50 P+0.50% (no floor); no yrly fee; $7,500 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 2.49 P-0.25% (no floor); 4-mo intro; no yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min Evans National Bank 716-549-6000 12/23/05 1.74 P+0.00% (no floor); 3-mo intro; $99 yrly fee; $7,500 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-433-4368 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Independence Community Bank 800-732-3434 12/23/05 7.25 P+0.25% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Canandaigua National Bank 585-394-4260 12/23/05 7.75 P+0.75% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 716-434-6621 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 7.25 P+0.25% (no floor); 0% 3 month intro; no yrly fee; $7,500 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 1.99 P-0.26% (no floor); 4-mo intro; no yrly fee; $5,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min Fulton Savings Bank 315-592-4201 12/23/05 6.00 P+0.00% (no floor); 12-mo intro; no yrly fee; $5,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Solvay Bank 315-468-1661 12/23/05 7.00 P+0.00% (4.00% floor); no yrly fee; $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 5.25 P+0.00% (no floor); 6-mo intro; no yrly fee; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Wachovia Bank, NA 800-922-4684 12/23/05 7.25 Range: P+0.00% to 2.00% (no floor); no yrly fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rates are subject to change without notice and may vary from branch to branch. Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. 2005: Bankrate.com All rights reserved. | Home Search | Site Map | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified Friday, December 23, 2005 FastCounter by bCentral

Investment Property Mortgages Reach

Freddie Mac: Investment Property Mortgages Search In order to browse this site effectively, please enable Javascript in your browser. Investment Property Mortgages Reach Your Investment-Oriented Borrowers and Reap the Rewards of Cross-Selling Additional Services Want to expand your investment property mortgage business? As part of our Single-Family Seller/Servicer Guide (Guide), you can extend more options to your investment-oriented borrowers by originating 1- to 4-unit investment property mortgages and selling them to Freddie Mac. Originating mortgages for investment borrowers allows you to tap an abundant market and boost your business with cross-sell opportunities for your other financial products. Freddie Mac offers loan options for investment property mortgage originations. You can originate these mortgages as fixed-rate mortgages, Treasury-indexed ARMs, and others. Our flexible execution options include Cash and Guarantor. Use Loan Prospector ® to quickly and easily approve your investment property borrowers. Freddie Mac will purchase investment property mortgages for borrowers who own up to 10 financed properties, however, those who own more than one financed property will need to meet additional requirements. Executions Gold Cash® Guarantor MultiLender Swap Key Advantages 1- to 4-unit investment properties LTV/TLTV/HTLTV ratios per Guide Section 23.4 Purchase, no cash-out and cash-out refinances Additional eligibility requirements apply for borrowers who own more than one investment property Eligible for Cash and Guarantor executions Eligible Mortgages If the subject property is the borrower's only financed investment property: 15-, 20- and 30-year fixed-rate mortgages 5- and 7-year balloon/reset mortgages All ARMs A-minus mortgages If the borrower owns more than one financed investment property: 15-, 20- and 30-year fixed-rate mortgages 7/1 or 10/1 Treasury-indexed Hybrid ARM only The following mortgages are not eligible for delivery as investment property mortgages Mortgages with temporary subsidy buydowns Streamlined Purchase for Homeowners mortgages Alt 97® mortgages Freddie Mac 100 mortgages Affordable Merit Rate® mortgages Streamlined Refinance mortgages Affordable Gold® mortgages Seller-Owned Modified Mortgages A-minus mortgages, when the borrower owns more than one financed investment property Eligibility Requirements LTV/TLTV/HTLTV ratios per Guide Section 23.4. If the LTV ratio is greater than 75 percent, the mortgage must be an Accept or A-minus mortgage or, if manually underwritten, must have a minimum Indicator Score of 720. For More Information Contact your Freddie Mac Account Manager Call (800) FREDDIE Refer to Section 22.22.1 of your Single-Family Seller/Servicer Guide For further details about this product, print out an Investment Property Mortgages fact sheet [ PDF 191K ] © 2005 Freddie Mac Doing Business With Freddie Mac Single-Family Multifamily Debt Securities Mortgage Securities Vendors and Suppliers About Freddie Mac About Us Public Policy News and Information Investor Relations Careers Buying and Owning a Home Preparing for Homeownership All About Mortgages Purchasing a Home Owning and Keeping a Home Calculators and Tools Properties for Sale

Florida Real Estate

Interinvestments Realty - Pre-construction News and Florida Real Estate Information Pre-construction News & Real Estate Information in Florida! HOME | BUYING | SELLING | FINANCING | FAQ’S | RELOCATING | JOIN US | MANAGEMENT | CONTACT US Aventura Bal Harbour Brickell Coconut Grove Coral Gables Cutler Ridge Dadeland Doral Downtown Miami Fisher Island Golden Beach Homestead Key Biscayne Kendall Miami Beach Midtown Miami North Bay Village North Miami North Miami Beach Pinecrest Sunny Isles Beach Surfside South Beach Westchester Coral Springs Ft. Lauderdale-Pompano Hallandale Beach Hollywood Pembroke Pines Weston Tamarac Boca Raton West Palm Beach Palm City Delray Beach Boyton Beach Hypoluxo Royal Palm Beach Palm Beach Gardens Port St. Lucie Indian River-Vero Beach Savona-Palm Coast Solivita -- Bellalago Poinciana Reunion Lake Marion Tierra del Sol Sand Lake Arbor Lakes Heritage Key Villas Itopia -- Bradenton Parrish Palmetto Ellenton Tampa St Petersburg Sarasota Gateway Town & Country Pelican Preserve Cypress Club Oasis Royal Greens Bay Colony The Seasons Hammock Bay Tuscany Reserve The Colony Golf & Bay Club Cove Towers Tiburon St. Augustine Jacksonville Daytona Pensacola Panama City You are in > Home Isles of Bayshore - South Dade The Isles at Bayshore is now featuring the "California Collection,"showcasing distinctive west-coast architecture. Every home is filled withluxurious extras offered in Developer's signature "Everything's Included"home, featuring thousands of dollars in extras at no extra charge. [MORE] Heritage Key Villas - Kissimmee Heritage Key Villas is an idyllic community offering privately-ownedvacation town-homes in Kissimmee, Florida - one of the world's largest andmost popular resort areas. Whether you enjoy quiet, evening sunsets orlively, big-city entertainment and attractions, Heritage Key Villa offersthe best of both worlds. [MORE] Little Harbor - Bradenton Little Harbor, the biggest waterfront living experience on Tampa Bay. Thisone-of-a-kind coastal village presents an enchanting combination of beach,bay, river and harbor-front residential homes and resort-style residencesalong with a colorful mix of amenities that evoke the grace of a bygoneCaribbean lifestyle. [MORE] LATEST PRE-CONSTRUCTION NEWS december 08, 2005 TEN is an exclusive living concept [more] december 08, 2005 Cabana Cay features the best of everything [more] december 08, 2005 Nestled in the heart of South Tampa, Grand Key [more] november 05, 2005 Wind - is located in Downtown Miami! [more] november 05, 2005 Waterfront Town Home Residences [more] october 17, 2005 Bella Mare - For Immediate Occupancy! [more] october 17, 2005 Family Homes and Townhomes in South Dade [more] october 01, 2005 Trump Towers Luxury condos in Sunny Isles Beach [more] october 01, 2005 The Isles at Bayshore is a luxurious Mediterranean [more] FEATURED DEVELOPMENTS - Trump Grande - Fisher Island - Capital Towers - Axis - Bella Mare - Midtown Miami - Bellalago - Palencia - Tuscany Reserve - Venetian Golf & Country Club - Westshore Yacht Club - Silver Lake MARKET NEWS > Israelis buy up Miami land - Downtown Miami > Builder reveals Miami Makeover - Downtown Miami > New Development in Miami River - Downtown Miami > Overseas investors find South Florida to be a hot property > St. Joe chief takes his story to Wall Street International Properties - Cocos Beach - NICARAGUA - Pinos Verdes - COSTA RICA - Porton Andalucia COSTA RICA - Tamarindo Heights COSTA RICA FIND DEVELOPMENTS BY AREA Dade Aventura | Bal Harbour | Brickell | Coconut Grove | Coral Gables | Cutler Ridge | Dadeland | Doral | Downtown Miami | Fisher Island | Golden Beach | Homestead | Key Biscayne | Kendall | Miami Beach | Midtown Miami | North Bay Village | North Miami | North Miami Beach | Pinecrest | Sunny Isles Beach | Surfside | South Beach | Westchester Broward Coral Springs | Fort. Lauderdale - Pompano Beach | Hallandale Beach | Hollywood | Pembroke Pines | Weston | Tamarac Palm Beach Boca Raton | West Palm Beach | Palm City | Delray Beach | Boyton Beach | Hypoluxo | Royal Palm Beach | Palm Beach Gardens Central Florida / Space Coast Port St. Lucie | Indian River - Vero Beach | Savona - Palm Coast Orlando Solivita | -- Bellalago | Poinciana | Reunion | Lake Marion | Tierra del Sol | Sand Lake | Arbor Lakes | Heritage Key Villas Manatee Brandenton | Parrish | Palmetto | Ellenton Hillsboro Tampa Pinnellas St Petersburg Sarasota Sarasota Ft. Myers Gateway Town & Country | Pelican Preserve | Cypress Club | Oasis | Royal Greens Naples Bay Colony | The Seasons | Hammocks Bay | Tuscany Reserve | The Colony Golf & Bay Club | Cove Towers | Tiburon Northeast Florida St. Augustine | Jacksonville | Daytona Northwest Florida Pensacola | Panama City Search Here Miami-Dade Broward Palm Beach C. Florida/Spacecoast Orlando Tampa Ft. Myers Naples Northeast Florida Northwest Florida Adult Active Community Custom Homes Vintage / Re-sales Resales / MLS HUD Ask the Expert Important Links Rentals Commercial Division Offices Industrial Retail Investment Properties Businesses Development Opp. Insurance All Rights Reserved Interinvestments Realty 2003