Home Equity Apply Now

Home Loans, Refinancing, and Home Mortgage Financing tag, as close to the beginning of it as possible-- Purchase Refinance Home Equity Apply Now Online Application Status -- Check Out Today's Rates Search Need Help? Home Quick Info Tools CUSTOMIZE ONLINE RATES Loan Product: Purchase Refinance State: -Select a State- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware DC Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada N.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 Zip Code: Loan Amount: Est. Home Value: Loan Amount: Interest Rate: Term (Years): Estimated Monthly Payment: SHORTCUTS Today's Rates Local Branch Calculators Privacy & Security The Right Loan Program First-Time Buyer Guide Buying a Home Loan Programs Simplified Flexible Options for New Home Construction THE LEARNING CENTER MY ACCOUNT Registered? Forgot Password? User Name: Password: Log into My Account Build equity faster with the GMAC Mortgage Equity Rewards MasterCard credit card... more... -- Hurricane Relief Current GMAC Mortgage Customers: Call 1-800-766-4622 for assistance if you have been affected by the storm. Find out how we're helping customers Loan Applicants: If you applied for a loan in one of our Louisiana or Mississippi offices, you can check the status of your application by contacting your loan officer or processor directly, or by calling the regional office at 1-888-682-9844 . If you applied for a loan online or over the phone, you can check the status of your application by calling 1-800-876-4622 . Donate Now Donate Now GMAC Mortgage customers affected by the storm should call 1-800-766-4622 for assistance. If you have a loan application in process with one of our local offices in Louisiana or Mississippi, please contact your local office or call our Regional Office at 1-888-682-9844 . -- Start Your Online Application Find a Local Expert Privacy | Legal Information | Auto Insurance | GMAC HomeSolutions | Contact Us | About Us | Careers | Site Map © 2005 GMAC Mortgage Corporation. All Rights Reserved. GMAC is a registered service mark of the General Motors Acceptance Corporation Real Estate and moving services offered by GMAC Home Services, Inc. and GMAC Global Relocation Services, Inc. GMAC Residential Holding Corporation is the parent of GMAC Mortgage Corporation, GMAC Home Services, Inc., Ditech Escrow Services, Inc., GMAC Bank and GMAC HomeSolutions. Because of these relationships, any of these referrals may provide GMAC Residential Holding Corporation with a financial or other benefit. Close This link will take you to another site that is not affiliated with gmacmortgage.com. Therefore, GMAC Mortgage's privacy policy will not apply. For your safety, please check with the sites privacy policy before entering your information. Thank you. Close

Denver Real Estate Site

Denver real estate; How to Qualify for a Mortgage How to qualify for a mortgage in Denver Down payment for a mortgage Learn about the various allowable sources to obtain your down payment. Closing Costs Home buying costs vary by region, here are sample costs for Denver. Loan Approval What constitutes as loan approval in Denver? Interest Rates Lock in your rate with confidence, after you have read these facts. What is PMI? PMI, do you really need it? The Mortgage Loan Application Mortgage loan applications made simple, bring this list. The steps to getting a VA Loan The steps to getting a VA loan, do you need one? What does it take to get one? Reverse Mortgages Reverse Mortgages have many benefits for older home owners. Financial Glossary It's important to understand the language of finance. Common Mistakes to Avoid Common home buying mistakes can be avoided, you need to know what some of them are. search Denver Real Estate Site How to qualify for a mortgage A brief summary on how to get a home loan When a mortgage lender takes your application they are checking your ability and willingness to repay. It is said that "history repeats itself". Lenders look at your history to predict the future. This process can go as quickly as 24 hours or take several weeks. This is done by checking the following items: Your credit history (the past 2 years) Your checking account (bounced checks are not good) Your income Your FICO score (on conventional loans) Almost everyone who has some sort of credit, some money set aside for a down payment and an income can get a loan. Now whether or not you want that loan may be a different story. Mortgage rates are proportional to the amount of risk the lender must take. If the credit history is bad, the risk will be off set by a higher interest rate. The best way to qualify for a mortgage that you want is to have a nice clean credit report, little debt and pay all your bills on time, every time. Excessive consumer debt as in multiple credit cards lowers your FICO score . A hint to avoid this happening is to consolidate your debt on one charge card. Even if you have excellent credit it is a good idea to pull a credit report on yourself, prior to visiting the lender. In Colorado you are allowed to do this free of charge once a year. (If you aren't in Colorado or any of the "free" states, then you can pay a small fee to obtain a copy of your credit report.) There are more than one credit reporting companies and not all companies report to all credit bureaus, so be sure to request a credit report from all, just to be sure. Here is how to contact the credit reporting agencies: Equifax Equifax Information Service Center P.O. Box 740241 Atlanta, GA 30374-0241 1-800-997-2493 You can also order your credit report from a secure section of the Equifax website at http://www.equifax.com Experian Experian National Consumer Assistance Center P,O, Box 2104 Allen, TX 75013-2104 1-888-397-3742 You can print a credit report order from at http://www.experian.com Trans Union Corporation, Consumer Disclosure Center P,.O. Box 390 Springfield, PA 19064-0390 1-800-888-4213 You can order a credit report online from Trans Union's website at http://www.transunion.com Be Pro-active... By reviewing your credit report prior to visiting a lender, you will be able to straighten out any errors or disputed items and avoid any troublesome holdups down the road. If you see a disputed item, an error made by a faulty social security number, a name similar to yours, or a court ordered judgment you paid off that hasn't been cleared from the public records, clear it off now. By writing to the credit reporting agency, you can have them remove the items and save you time and aggravation later. TIP: Make sure any outdated derogatory entries are deleted from your credit file. By outdated, anything over 7 years should be deleted (except bankruptcy which is 10 years). TIP: Officially cancel inactive credit cards Even if you don't use a credit card, some lenders will assume that credit limit is available to you and use it in qualifying you. Therefore, if you don't use it and don't need it, cancel it. Too many credit cards even with no balance can keep you from getting a loan. TIP: Hold off on making any major purchases until after you close on the loan. Many times people obtain a loan commitment then go out and charge a new car or a houseful of furniture, only to totally destroy the ratios on their loan commitment. If you find you need assistance with any of these strategies, it's OK to sit down and talk with a lender. Explain your situation and what you are trying to do. A good lender will help you structure your finances, credit report and budget, keeping your best interest in mind. Continue to How Much of a Down Payment? . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | 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

Real Estate Investment, Seller

Real Estate investment with private mortgages and seller financing. Real estate investors. Sell Mortgage , Real Estate Investment, Seller Financing, Private Mortgage Investment , Discounted Mortgage , Hard Money Mortgage , Sub Prime Mortgage , Credit Report Place/View Listings: Sell Mortgage • Mortgage Wanted • Get Mortgage • Note Brokers • Mortgage Brokers • Lenders Site Index Real estate investment Why own a real estate investment: To rent the real estate and produce positive cash flow. To resell the real estate for a profit. [ Home ] [Why own investment real estate?] [ Why most real estate is sold at market price ] [ Where to find the deals ] [ Nothing down real estate deals ] [ Money making ideas for real estate investors ] [ Creative Financing Ideas ] [ Home inspection ] [ Construction problems with older homes ] [ Home construction Estimation form ] [ Tax benefits of investment real estate ] [ Tax Table 2005 ] [ Mortgage interest rates ] [ Income Real estate 10-yr spreadsheet Online ] [ Fixup houses Profitabilty Analysis Online ] [ HUD anti-flipping rules ] [ Buying real estate from senior citizens. Get rich slow. ] [ Real estate investors tax audit guide ] [ Understanding real estate legal descriptions ] [ Real estate investors credibility ] [ Print Rent payment coupons ] [ What is a triple net lease ] [ Commercial mortgage simple underwriting ] [ Commercial loan Qualifier ] [ Foreign investor & US real estate ] [ Real Estate for Sale ] There are lots of people out there giving late night TV shows and selling expensive courses that will guarantee to make you rich and famous. Some of their promoters are now in jail, some who aren't, deserve to be. So here are some simple aids that won't cost you a dime. First of all, you make your money when you buy, not when you sell. So finding the motivated seller who is willing to offer you a good deal in exchange for a quick sale is the single most important factor to your real estate investment success. Surprise, surprise, most owners of real estate want to sell it for full fair market value. In fact many owners are so proud of their real estate they want you to pay MORE than fair market value. Most real estate sellers don't want to give you a 30% discount on fair market value. But this is what you need if you intend to fix up and resell the real estate for a profit. Think it can't be done? A real estate investor we know in Tampa closed on a pre-foreclosure house for $46,000 in February 2004, using 100% hard money financing. They sold it for $98,000 in April 2004 having spent about $2,000 on fix-up work. Let's be clear on this. If you can buy a house for $70,000 that would be worth $100,000 if it was fixed up, but it will cost $30,000 to fix it up, you're paying market value, NOT getting a bargain. You need to buy this house for $45,000 or keep looking. Download our free spreadsheet to evaluate that real estate "bargain" in real terms. You need to factor in things like the real cost of fixing it up, the closing costs when you buy, the closing costs when you sell, the cost of money while you are fixing it up from the day you buy it to the day you sell it, any pre-payment penalties on the money you have borrowed etc. If you intend to keep and rent out the property then you can pay a little more. But don't forget, even with current interest rates you have vacancy. property taxes, insurance, repairs and maintenance to pay for before you get to positive cash flow. Download our free real estate investment spreadsheet to evaluate that real estate "bargain" over the next ten years. Or calculate your potential profits directly on this web site . (Note: It may a take couple of minutes for page to load). Don't spend hundreds or thousands of dollars on some real estate "get rich quick" seminar or course pitched by some late night TV smoothie, check out our books on real estate investment. Money making ideas. Where to find the deals Why it's hard to find good deals. Financial Calculators. Find Money for your transaction. Search our bookstore for books on real estate. Dictionary of real estate and mortgage terms. A marketplace for your seller's mortgage if they'd sooner have cash. Understanding legal descriptions Is that good deal as good as you thought it was? Projects all the costs involved for real estate investors who are thinking of "flipping" properties. Download our FREE Microsoft Excel (97 or higher) "fix up" analysis spreadsheet. (This is a self-executing compressed file, just note where you download it and double click on it.) Useful real estate and mortgage forms. Remember laws vary from State to State and even County to County. We have property management forms, deeds, leases, mortgage origination forms etc. Download our custom designed Sample Quickbooks99 file to show how to easily account for real estate income. Are you better to pay cash and get conventional financing or pay a higher price and get low interest rate seller financing? Compares different offers and even make two or more offers on the same property with different terms. Download our FREE Microsoft Excel (97 or higher) " different offers " analysis spreadsheet. (This is a self-executing compressed file, just note where you download it and double click on it.) Just how much money will that investment property earn you over the next ten years? And how much will you make when you sell it? Down load our FREE Microsoft Excel (97 or higher) 10-year income analysis spreadsheet (This is a self-executing compressed file, just note where you download it and double click on it.) Or run it on this web site. Think a million dollars is a lot to retire on? Think again. See just how long your money will last under different scenarios. Download our FREE Microsoft Excel (97 or higher) " Retirement scenario" spreadsheet. (This is a self-executing compressed file, just note where you download it and double click on it.) How to survive a tax audit. Home construction and estimating forms for you to print and use. Why interest rates move. Property analysis card Your "Credibility Kit" as a home buyer Taxation of non resident investors in US real estate and mortgages. Commercial triple net leases explained Order on line valuation Our real estate investment bookstore [ Home ] [Why own investment real estate?] [ Why most real estate is sold at market price ] [ Where to find the deals ] [ Nothing down real estate deals ] [ Money making ideas for real estate investors ] [ Creative Financing Ideas ] [ Home inspection ] [ Construction problems with older homes ] [ Home construction Estimation form ] [ Tax benefits of investment real estate ] [ Tax Table 2005 ] [ Mortgage interest rates ] [ Income Real estate 10-yr spreadsheet Online ] [ Fixup houses Profitabilty Analysis Online ] [ HUD anti-flipping rules ] [ Buying real estate from senior citizens. Get rich slow. ] [ Real estate investors tax audit guide ] [ Understanding real estate legal descriptions ] [ Real estate investors credibility ] [ Print Rent payment coupons ] [ What is a triple net lease ] [ Commercial mortgage simple underwriting ] [ Commercial loan Qualifier ] [ Foreign investor & US real estate ] [ Real Estate for Sale ] FREE Newsletter! subscribe unsubscribe Site Index Bookstore Contact us Complete list of FREE Mortgage and Real Estate courses Send page to friend Calculators Current, historic interest rates FREE content for your web site About Us & Privacy Policy Forms library Real estate and mortgage Resources Dictionary of terms FREE Downloads Bookmark this site. Internet Explorer users Click here NetScape press CTRL-D. AOL users click the Heart. Mortgage-investments.com is our US Federally registered service mark no. 2,647,595 Free info on mortgage investments, private mortgages, hard money mortgages, discounted mortgages, seller financing. Mortgages , owner financing , deeds of trusts , discounted mortgages , seller financed mortgage , hard money mortgage Web sites design hosted for note brokers note and cashflow buyers web site design hosting Web site design hosting for mortgage brokers , mortgage broker web site design

real estate brokers, real

Real estate agent business plan PlanMagic Business Trend setting real estate agent business plan software by PlanMagic Corporation . PlanMagic Business Plan software is ideal for real estate agency, real estate agent services, apartment brokers, real estate agents, realtors, real estate brokers, real estate agencies, and all individuals who are interested in learning real estate agent business plan writing or writing an real estate agent business plan. Minimum requirements: A personal computer with MS Windows 98/NT/Me/2000/XP/2003 and MS Office 97/2000/XP/2003+. "Thank you for creating this software!! It is absolutely amazing." More testimonials If you have a business related to real estate agent business plan writing, you may want to know about our reseller opportunities. Read more! Some examples of use: Advertising agency business plan Bank business plan Bar business plan Beauty salon business plan Bowling center business plan Business consultant business plan Call center business plan Car rental business plan Car wash business plan Casino business plan Catering business plan Cleaning service business plan Clinic business plan Coffee shop business plan Consultant business plan Day care center business plan Debt collection business plan Farm business plan Fitness center business plan Health spa business plan Insurance broker business plan Lease company business plan Manufacturer business plan Non profit business plan Pharmacy business plan Record company business plan Real estate agent business plan Retail business plan Services business plan Supermarket business plan Travel agency business plan and many more .. Other business plan software products: Bar business plan Construction business plan Restaurant business plan Bed & breakfast plan Hotel business plan Resort business plan REAL ESTATE AGENT BUSINESS PLAN SOFTWARE THAT MEANS BUSINESS PlanMagic Business 9.0 offers you : a comprehensive business plan guide, easy to use well written real estate agent business plan template in a popular word processor format, fully automated financials with a unique yet indispensable product line and products per product line generator, and an easy to use presentation template. The Advanced Edition (AE) further includes state-of-the-art financial analysis tools and a comprehensive web marketing guide. plan any real estate agent business like a pro plan to finance a real estate agency start-up or an expansion analyze the financial situation with state-of-the-art analysis tools stay up-to-date with the real financial situation at all times It's the easiest to use real estate agent business plan program available today. A business plan program that produces faster results than any other, and a program brought to you by a company with over 25 years of related experience. It is a helpful business plan program and offers the necessary flexibility. Its structure is the preferred format today after 10 years of improvements and it offers you a template that includes all that should be included in an real estate agent business plan geared toward success. It's the best value your money can buy when it comes to real estate agent business plan software. Available in the following languages: English (v9.0) Espaol (v5.3) Russian (v5.3) Italian (v5.1) Nederlands (v4.5) Available sales tax systems : USA, EU VAT, GST/HST, other In/Out sales tax systems. Available currencies: $, , and any currency. COMPREHENSIVE BUSINESS PLAN GUIDE It's a complete business plan guide in HTML format. The guide covers subjects such as organizational structure, financing (owners' equity, foreign capital), marketing (market analysis, business goals, marketing strategies, advertising), real estate agent operations (real estate agent identity, real estate agent location), business financials (projections, historic analysis, ratios) and more. The 'Details' button opens/closes an overview of each subject contained in the business guide. PlanMagic Business Plan Guide The introduction - How to use - The introduction - Marketing - Historic analysis - Financing - Organizational structure - Financial projections - Hint & tips Marketing - The product mix - Analysis current product mix - Competitive research - Market analysis - Marketing goals - Marketing strategies - Advertising & promotion - Pricing and costing - Sales management - Distribution & service Historic analysis - General view - The market position - Balance sheet - Income statement - SWOT analysis Financing - Assumptions - Capital - Return on investment - Ratios - Loan capacity - Investment budget Organization - Management - Staff - Personnel analysis & expenditures - Administrative organization Financial projections - Sales projections - Expense statement - Income statement - The balance sheet - The cashflow projection - The charts - The time table Hints & tips - General tips - Company formation - Choosing a bank - Choosing a location - Choosing an accountant - Preparing a presentation REAL ESTATE AGENT BUSINESS PLAN TEMPLATE The preferred format (for investors, SBA, banks, angel investors) business plan templates in DOC (MS Word) format. You don't have to create your own contents from scratch (or delete most of it as may be the case with a sample plan) and you'll get the most professional printed results. The standard edition includes products, services ( Advanced Edition includes retail as well ) and one additional business plan template of your choice (in this case real estate agent). If you need more business plan templates you can purchase additional business plan templates. Each business plan template is fully geared towards the type of business it is to be used for. The 'Details' button opens/closes an overview of each subject contained in a typical real estate agent business plan. PlanMagic Real Estate Agent Business Plan Template Table of Contents (automated) Introduction - Business description - Business formation - Directors - Management team - Business goals/mission - Business philosophies/identity - Geographical markets - Vision of the future Executive summary - Main objectives - Sales summary - Strategic positioning - Strategic alliances - Licenses - Key advantages - Funds required Marketing - The product mix - Sales estimates - Competitive research - Market analysis - Marketing goals & strategies - Pricing policy - Advertising & promotion - Sales management - SWOT analysis Historic analysis - General view - The market position - Income statement historic - Balance sheet historic The organizational structure - Management and personnel - Administrative organization - Contingency planning Real estate agent operations - Real estate agent identity - Real estate agent location - Real estate agent premises - Real estate agent layout Financial plan - The investment budget - Statistical data (ratios) - The return on investment - Financial projections Risk management - Risk reduction - Exit strategy Appendices - Personal income statement - Other FULLY AUTOMATED BUSINESS FINANCIALS Trend setting financial workbook in XLS (MS Excel) format that leaves the competition far behind. You will not find a better solution as detailed! Enter some main assumptions, decide how many product lines and products you need, name them once, and start entering your financial data into the clearly marked cells. Use it for a business plan or for ongoing monitoring of your business. If you have purchased the Advanced Edition you can also perform a thorough, ongoing financial analysis of your business at anytime. PlanMagic Business 9.0 Financial Plan Workbook The Ultimate in Modern Business Financials - A product generator for up to 10 product lines and unlimited products per product line - Assumptions (general, formation, financial, inventory, loans, tax, products) - Loans & amortization schedule - short term, long term, deferred loans (5 years) - Investment budget - incl. startup cost calculator for startups (5 years) - Depreciation schedule straight line method - Beginning balance sheet - Balance sheet historic (3 years) - Income statement historic (3 years) - Personnel plan monthly & quarterly (3 years) - Personnel plan annual with detailed headcount summary (5 years) - Sales estimates & cost of goods (3 years) - Sales projections monthly & quarterly (3 years) - Sales projections annual (5 years) - Income statement (Profit & Loss) monthly & quarterly (3 years) - Income statement (Profit & Loss) annual (5 years) - Cashflow projection monthly & quarterly (3 years) - Cashflow projection annual (5 years) - Sales tax (VAT, GST/HST) account (non-US versions) - Balance sheet projection monthly (3 years) - Balance sheet projection annual (5 years) - Timeline - Personal financial statement (for sole proprietor/partnerships) BUSINESS ANALYSIS - Historic ratios (3 years) - Projected ratios including IRR/NPV for business valuation (3/5 years) - Loan capacity ratios (3/5 years) - Best case & Worst case scenarios (Sensitivity analysis) (5 years) - Annual summary matrix - beginning balance, income statement, cashflow, ending balance (5 years) PlanMagic Business AE 9.0 ( Advanced Edition ) further includes: - Additional assumptions (franchise, etc.) - Advertising & promotion plan detailed (3 years) - Advertising & promotion plan annual (5 years) - Detailed break-even analysis per product line - Annual dynamic sensitivity analysis (best/worst case scenarios) (5 years) - Comparison analysis - personnel, sales, advertising, income, cashflow, balance sheet (5 years) - Annual ROA/ROE dynamic analysis tree (5 years) - Exchange rate multiplier SOME NEW 9.0 FEATURES Feature Benefit After the first year numbers are automated based on averages or increase %. Provides fast results by eliminating unnecessary manual input. New improved detailed income statement. Categorized expenses and extra rows can be added. New improved 1-2-3 personnel plan method. Entry as simple as 1-2-3, yet sophisticated for monthly and hourly wages. More than 40 automated charts. Gives you a quick overview when needed. Print Macro: to quickly print any selection of predefined print areas. Saves you time collecting data to be printed. Click and Go. Export Macro: to easily export multiple worksheets to a values only workbook. Handy for conferencing. The PlanMagic Product Generator PlanMagic Business is the only business plan software with product line and number of products generator (up to 10 product lines with unlimited number of products per product line). The generator creates or deletes product lines and products as selected, even with existing data in the financial workbook. EASY TO USE BUSINESS PLAN PRESENTATION TEMPLATE Easy to complete presentation template (> 50 slides) in PPT (MS PowerPoint) format. You can copy text from the document templates, link to tables in the document template, or link to worksheet data in the financial workbook. The template contains the same chapters and subchapters as the real estate agent business plan template. Why PlanMagic Business 9.0! Need even more reasons why you should use PlanMagicBusiness 9.0? use of simple and understandable terms incredibly versatile ( seesome usage options ) and fast automated financial projections made easy and yet so complete automatic calculation of depreciation, loan payments, accounts receivable/payable, inventory, dividends, company tax, sales tax, payroll burden and more product line and number of products generator (unique, yet indispensable!) the most professional printed results the most comprehensive business plan guide ( AE includes a web marketing guide ) automated financials are available in $, , and any currencysign business financial printouts are preformatted in Letter, Legalor A4 print size business financials include automated sales tax/VAT/GST calculations updates are FREE for twelve months real estate agent business plan template the competitive price of $84.95 "Congratulations for the best business plan solution I've found on the market. Your financials are awesome!" More testimonials No one has made it easier for you to write the contents of the real estate agent business plan, offers the same high quality printed result, offers the same level of financial automation (use it to monitor your business throughout the years), offers a complete business plan guide, as well as professional presentation templates. Why do it yourself? Because no one knows or cares about your business like YOU do! Can you afford (not) to get the best available software to get the job done professionally and fast? Minimum requirements PlanMagic Business 9.0: a personal computer with MS Windows 98/NT/ME/2000/XP+, a Java enabled browser, MS Office 97/2000/XP/2003+. Optional MS PowerPoint 97/2000/XP/2003+. Delivery: via Electronic Download (~3Mb). CD is shipped within 3 business days via Registered Priority Airmail. ONLINE ORDERING PlanMagic Business $84.95 Download PlanMagic Business $99.95 Download & CD-ROM Advanced Edition PlanMagic Business AE $174.95 Download Popular combinations PlanMagic Business + Marketing $154.95 Download PlanMagic Business + Marketing $169.95 Download & CD-ROM PLANMAGIC BUSINESS REAL ESTATE AGENT BUSINESS PLAN SOFTWARE THAT MEANS BUSINESS

home equity loans Average

NYS Banking Department-Home Equity Loans Survey Interest Rate Information Home Equity Loans 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 loans Average Highest Lowest 7.31 8.50 5.50 Albany Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Central National Bank 800-449-6842 12/23/05 7.00 .50% disc w/auto debit; $7,500 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min First Niagara Bank 518-270-3200 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.00 $50 fee; $2,500 min TrustCo Bank 518-436-9043 12/23/05 7.00 $5,000 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 6.25 $500 fee; no min Bank of America 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min Evans National Bank 716-549-6000 12/23/05 6.50 .25% disc w/auto debit; $7,500 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 6.00 .50% disc w/auto debit; no min Suffolk County NB of Riverhead 631-208-2222 12/23/05 6.75 $5,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min Independence Community Bank 800-732-3434 12/23/05 6.49 .25% disc w/auto debit; $10,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.99 Range: 7.99-10.99%; $600-1000 fee; $10,000 min Union State Bank 800-887-8775 12/23/05 6.25 1.50% disc w/auto debit; $100 refundable app. fee; $5,000 min Wachovia Bank, NA 800-922-4684 12/23/05 6.84 Range: 6.84-8.00%; $150 fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min Community Bank, N.A. 800-388-4679 12/23/05 5.50 no auto debit offered 25000 min First Niagara Bank 716-434-6621 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 5.99 .25% disc w/auto debit; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 6.75 $5,000 min Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Partners Trust Bank 866-777-8659 12/23/05 6.99 .50% disc w/auto debit; $7,500 min Solvay Bank 315-468-1661 12/23/05 6.37 $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 6.50 .25% disc w/auto debit; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min Union State Bank 800-887-8775 12/23/05 6.25 1.50% disc w/auto debit; $100 refundable app. fee; $5,000 min Wachovia Bank, NA 800-922-4684 12/23/05 6.84 Range: 6.84-8.00%; $150 fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $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 | SiteMap | | 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