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Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages contact us | careers | sitemap | help | log in Homepage Home Loans Home Loans Main Page Today's Rates Purchase a Home Refinance Your Home Use Your Home Equity Less Than Perfect Credit Loans en Español Start Your Application Calculators Your Home Loans Accounts Customer Service Banking Banking Main Page Today's Rates Certificates of Deposit (CD's) Money Market Accounts Savings Accounts View All Banking Products Open an Account Your Banking Accounts Financial Centers Insurance Insurance Main Page Homeowners Condo Home Warranty Life Disability Auto Health Commercial Employee Benefits Other Products Planning for Life Insurance Checkup Get a Quote Your Insurance Policies Your Accounts With over 35 years of service and one of the widest selections of loan programs , Countrywide Home Loans is an expert at finding solutions for all kinds of situations. log in to manage all of your Countrywide accounts username: password: destination: my account summary my home loans make a payment view transactions view loan details view statement my banking view account details my insurance view account details register | help forgot password forgot username Find more ways to : See what our customers are saying. purpose: Purchase Refinance Home Equity loan amount: property ZIP code: ZIP code finder Check today's high yield CD and Money Market rates Compare your rate Compare your coverage Get a free online quote home insurance calculator rate watch home loan calculators learn about our loans your credit report I want to: Purchase a home Refinance my home Use my home equity Click here to learn more about our great CD rates. SPECIAL ALERT: If you live in the areas affected by hurricanes, and need information regarding loans-in-process, new loans, or information on your account, please log in or call our customer service line: 1-800-669-6607. Click here for FAQs . PURCHASE REFINANCE HOME EQUITY for more information about new loans 1-800-556-9568 LESS THAN PERFECT CREDIT Countrywide Home Loans' Full Spectrum® Lending Division 1-800-871-1756 Customer service on existing loans 1-800-669-6607 BANKING top CD and money market rates , compare rates and terms 1-800-817-4383 INSURANCE homeowners , home warranty , auto , life , individual health , disability , commercial and employee benefits 1-800-262-4240 Countrywide Financial offers these products through our family of companies.* home loans | less than perfect credit loans | home loans en español | we house america | banking | insurance | investments | your accounts | log in contact us | site map | about us | investor relations | careers | privacy and security | licenses and registrations Countrywide Home Loans, Inc. and Countrywide Bank, N.A. are Equal Housing Lenders. ©Countrywide Financial Corporation. Trade/service marks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. If you use a pop-up blocker, you should disable it while using our sites. * Countrywide Financial offers these products through our family of companies. Home Loans provided by Countrywide Home Loans; Banking services provided by Countrywide Bank, N.A., member FDIC; Insurance services provided by Countrywide Insurance Services, Investment Services provided by Countrywide Investment Services.
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EERE Consumer's Guide: Designing and Remodeling a Home Search Help More Search Options Search EERE Information Center Professional Services Find an Architect American Institute of Architects Federal Government Resources Energy-Efficient Rehab Advisor U.S. Department of Housing and Urban Development Related Links A Construction Technology Showcase Homes Across America Energy & Environmental Building Association Decisions for Environmental Buildings Green Tree Green Building Home Guidelines National Association of Home Builders Research Center Reading List Related Publications Printable Version Designing and Remodeling a Home Before you design a new home or remodel an existing one, you should consider investing in its energy efficiency. You'll save energy and money in the long run. It's also a good time to invest in a renewable energy system that will provide your home with electricity , water heating , or space heating and cooling . If you'd like to design an energy-efficient home, no matter what type of design, you should use what's called the whole-house systems approach . If you're remodeling a home, conduct an energy audit to help you determine what energy efficiency improvements should and can be made to your home. Learn how to optimize energy efficiency with the following home designs and construction techniques: Advanced House (Wall) Framing Techniques Reduce lumber use and waste—improving energy efficiency—in the construction of a traditional wood-framed house. Earth-sheltered Homes Incorporate earth into their structure and design for durability and energy efficiency. Log Homes Use wooden logs to provide structure and insulation. Manufactured Homes Feature energy-efficient options for new homes and improvements for older homes. Passive Solar Homes Take advantage of climatic conditions, especially the sun, for heating in the winter and cooling in the summer. Straw Bale Homes Use straw bales to provide all or part of their structure and insulation. Zero Energy Homes Produce more energy than they use. You should also explore your options for financing an energy-efficient home or improvements . Printable Version Skip footer navigation to end of page. Webmaster | Security & Privacy | Consumer's Guide Home | EERE Home U.S. Department of Energy Content Last Updated: September 12, 2005
Denver Real Estate Site
Denver real estate; site map Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] only search Denver Real Estate Site Denver Real Estate Site Map ~2 ~3 ~4 Alabama real estate; relocation - real estate services Find Alabama real estate information and locate area specialists to help you in your home search. Alaska Real Estate Facts and Info Find Alaska real estate & relocation information, homes for sale. Locate professional help when purchasing a home. Arizona real estate resource Moving to Arizona? 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West Virginia real estate; relocation - real estate services Search these West Virginia real estate directory to find links to realtors specializing in the area. Wisconsin real estate; relocation - real estate services Find facts on Wisconsin real estate: get relocation help from local Realtors who know the area. Wyoming real estate; relocation - real estate services Find Wyoming real estate facts, homes for sale and Realtors who specialize in the area. [ 1 ][ 2 ][ 3 ][4 ] Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group - Metro Brokers 1485 S. Colorado Blvd. #300, Denver, CO. U.S.A. 800-319-7738 toll free | 303-589-2022 direct | 303-753-9965 fax Kristal@TheBerkshireGroup.net 1998-2005, Reflective Motion Inc. | Agents Only | Privacy Policy | Disclaimer | Site Credits | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog
Las Vegas Real Estate
In Business Las Vegas December 23 - December 29 Current Issue Special Publications Search In Business In Business on TV The List Book of Lists About InBusiness Media Kit Subscribe Contact Us Real Estate and Development Big jump expected in commercial rents By Jennifer Shubinksi / Staff Writer What does the new year have in store for the Las Vegas Valley's commercial tenants? Most likely increases in rent -- in some cases up to 15 percent. "Potentially significant rent increases are expected during 2006 as leases expire and developers attempt to catch up to inflation," said John Restrepo, principal of Restrepo Consulting Group. When adjusted for inflation, the average monthly rents for commercial properties have remained relatively flat since 2001, despite healthy demand, a local research firm reported. After adjusting for inflation, the average monthly office rent in the third quarter of 2005 was $1.91 per square foot or just below the $1.93 recorded in the first quarter of 2001, Restrepo Consulting Group LLC reported. The inflation-adjusted industrial average rent in the third quarter was 57 cents, compared with the 61 cents recorded in the first quarter of 2001, the firm reported. The inflation-adjusted average retail rents in the third quarter was $1.51, compared with $1.47 in the first quarter of 2001, Restrepo Consulting Group reported. Restrepo said absorption (demand) has remained strong, and vacancies in the third quarter in all commercial markets were relatively low. The reason rents, when adjusted for inflation, have remained flat is largely because of increases in supply during the past four years, tenant resistance to rent increases and the lease contracts, many of which have not expired yet, he said. The slow rent growth has made certain types of new development, especially in the industrial sector, more difficult, said Vic Donovan, Colliers International managing director. Increasing land prices have made it difficult for developers to justify building industrial products, while at the same time industrial land is being bought up and rezoned for other uses. "It's about time that commercial rents start increasing to encouraging additional development to allow us to be supply-competitive with other cities in the southwest," Donovan said. "We can't afford to lose our competitive edge if we are to maintain a healthy commercial real estate market." Restrepo said on average, rents will increase between 10 percent and 15 percent in 2006. He expects retail and industrial, which have the lowest vacancies, to experience rent increases of at least 15 percent. Average office rent increases will be at least 10 percent, but in some prime locations it could be more, he said. "For example, our rent going up 17 percent here (Hughes Center) because there's virtually no space left," Restrepo said. Despite a low vacancy rate there is always some vacancy in a market, he said. "A whole market doesn't go zero; there's always turnover and frictional vacancy. It may not be in a location that's best or may not be product you want to rent," Restrepo said. In other news: Land in the Las Vegas Valley during the third quarter 2005 reached an all-time high of $708,000 per acre, research firm Applied Analysis reported this week. The average price during the second quarter 2005 was $601,600 per acre, the group reported. The firm's report analyzed 362 transactions, comprising more than 1,800 acres. Values reached $16.25 per square foot for land during the third quarter, a 76 percent increase when compared with the third quarter 2004, when land prices were $402,500 per acre, or $9.24 per square foot, Applied Analysis reported. Notable transactions during the third quarter included: • The former Westward Ho, on 15.2 acres on Las Vegas Boulevard, which was purchased for $145.5 million, or $9.6 million per acre, by Centex Destination Properties, a division of Centex Homes. • An 85.5-acre assemblage of 35 parcels in the southwest portion of the Las Vegas Valley was acquired by Gameday LLC for $48.7 million, or $568,000 per acre. • Developers with projects in the southwest Las Vegas Valley have formed a partnership to create "West Village," a planned "suburban downtown" that would encompass about 700 acres. West Village is centered at Interstate 215 and the intersection of Sunset Road and Durango Drive and includes projects that have been proposed for the area. By teaming up together, the developers and land owners in West Village said they hope to bring cohesiveness to the area, as opposed to each developer acting independently. Developers hope to bring consistency to landscape design, share market ideas, coordinate mass transit and setting development standards for the partners to follow. West Village is bordered by Patrick Lane to the north, Warm Springs Road to the south, Cimarron Road to the east and the Las Vegas Beltway to the west, and by the freeway as it curves north. County zoning allows for heights up to 200 feet and up to 100 residential units per acre. The developers in the partnership include Centra, KB Home, Curve Development Co., Glen Smith & Glen Development, Sunset Durango Partners, GKT Holdings, Station Casinos Inc. and UNLV. Clark County officials also are involved in the planning. The area has the potential for 10,000 residential units, 8 million square feet of commercial space, a university research and technology park, and a possible casino complex is planned for that portion of the valley. So far, the only project in West Village is Centra's Centra Point, an 11-building, 30-acre office project totaling 450,000 square feet. Other key developments planned for the southwest valley that are now a part of the West Village concept are: The Curve -- a 45-acre community that when built will include mid-rise residential buildings and retail in an open-air design. Glen Smith & Glen Development -- a 20-acre project being planned by developer Glen Smith & Glen that will include high-end, mid-rise residential, office and retail. Project Durango -- a yet-to-be-named 65-acre development that is a joint venture between Centra and KB Home. The planned project would include residential units and up to 750,000 square feet of commercial space. Harry Reid Research and Technology Park -- a planned 120-acre research park that is being developed by the UNLV Research Foundation. Durango Station -- a 70-acre site that has been owned by Station Casinos for many years. The land, on the south side of the beltway at Durango Drive, is zoned for a casino. GKT Holdings -- residential and commercial uses are planned on 155 acres. Sunset Durango Partners -- a 10-acre site that is entitled for mid-rise residential. Jennifer Shubinski covers real estate and development for In Business Las Vegas and its sister publication, the Las Vegas Sun. She can be reached at (702) 259-8832 or by e-mail at js@lasvegassun.com. IBLV Homepage Click here for problems or questions. Read our policy on privacy and cookies. Advertise on Vegas.com. Work for Vegas.com. All contents © 1998 - 2005 Vegas.com The Most Visited Place on Earth
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Mortgages, Mortgage Rates and Home Loans by Quicken Loans America's Home Loan Experts SM GO My Quicken Loans Login Great Rates. Expert Advice. Fast Process. Call 800-251-9080 To Get Your Rate Refinance Refinance Center Learn About Refinancing Refinance Calculators Refinance Loan Options Contact a Refinance Expert Home Purchase Home Purchase Center Learn About Buying a Home Home Purchase Calculators Home Purchase Loan Options Contact a Purchase Expert Home Equity Home Equity Center Learn About Home Equity Home Equity Calculators Home Equity Loan Options Calculators Calculators Refinance Calculators Home Purchase Calculators Home Equity Calculators Contact a Loan Expert Loan Options Loan Options Refinance Loan Options Purchase Loan Options Home Equity Loan Options Contact a Loan Expert Bad Credit Rates Get your loan approved in just minutes over the phone We bring the paperwork to you for signing it's quick and easy! Calculate YOUR potential mortgage payment below. Select Loan Purpose Refinance Purchase Desired Loan Amount: Expected Purchase Price: Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia 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 West Virginia Wisconsin Wyoming Current Monthly Payment: Expected Down Payment: Calculate YOUR potential mortgage payment below. Select Loan Purpose Refinance Purchase Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia 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 West Virginia Wisconsin Wyoming Desired Loan Amount Current Monthly Payment Expected Purchase Price Expected Down Payment -- Dis-ARM Yourself Now! Lock into a fixed rate today! Quicken Loans' Chairman Dan Gilbert hosts CNBC's "Squawk Box". Read More Start Taking Control of Your Credit! Introducing FreshStart Get approved for your mortgage - even with less-than-perfect credit Get on the path to paying off debt and repairing your credit Consolidate high-interest bills into one low-interest mortgage payment FIND OUT MORE Rates Keep Rising. Get a Fixed Rate Now! The Fed will keep raising interest rates - Get out of your adjustable rate mortgage or home equity line of credit! Lock your rate for 30 years with payment flexibility. Introducing FIND OUT MORE Flexible guidelines to fit your needs! Introducing Advantage1st No doc and full doc options available Cash out and interest-only options Get a low rate on a mortgage that fits your needs FIND OUT MORE Want a low mortgage rate? Call a Quicken Loans Mortgage Banker now to find out how you can get a low mortgage rate and payment flexibility with our SmartArm ® loan. A Quicken Loans Exclusive FIND OUT MORE What's the Difference between Interest Rate and APR? When you get a mortgage, you are charged two different rates--the annual percentage rate (APR) and the interest rate. Understanding the difference between the two rates is important and will help you make an informed decision when shopping for the right lender and the right loan... Read More Archived News Homeowners Can Still Refinance at Low Rates Dec 29, 2005 Despite Decline, Housing Still Strong Dec 28, 2005 More Mortgage News Quicken Loans - We Are Here to Help You! No one makes it easier than the home loan experts at Quicken Loans! We are ready to help you with your new mortgage , refinance , or home equity loan needs — all at great low interest rates. Explore our web site for exclusive home loan options, easy-to-use mortgage calculators , home loan articles, and instant rate quotes on several mortgages. Quicken Loans is America's #1 online mortgage lender. Apply for your mortgage online or talk to a Quicken Loans home loan expert today. Call us now at 800-251-9080. 3,400 home loan experts ready to help you Refinancing | Home Loans | Home Equity Loans | My Quicken Loans Login Mortgage News | Mortgage Rates | Mortgage Calculators | Apply Online About Us | Careers | Contact Us | Feedback | Site Map | Help | Search Security and Privacy | Disclosures and Licenses | Terms of Use © 2000 - 2005 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc., used under license. Build 2741 2005-10-25 09:50:43