home equity loan or

FRB: Putting Your Home on the Loan Line Is Risky Business ESPAÑOL Are you in need of cash? Do you want to consolidate your debts? Are you receiving home equity loan or refinancing offers that seem too good to be true? Does your home need repairs that contractors tell you can be easily financed? If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer. But not all loans and lenders are the same--you should shop around. The cost of doing business with high-cost lenders can be excessive and, sometimes, downright abusive. For example, certain lenders--often called "predatory lenders"--target homeowners who have low incomes or credit problems or who are elderly by deceiving them about loan terms or giving them loans they cannot afford to repay. Borrowing from an unscrupulous lender, especially one who offers you a high-cost loan using your home as security, is risky business. You could lose your home and your money. Before you sign on the line, Think about your options Do your homework Think twice before you sign Know that you have rights under the law Think about Your Options If you’re having money problems, consider these options before you put your home on the loan line. Talk with your creditors or with representatives of non-profit or other reputable credit or budget counseling organizations to work out a plan that reduces your bill payments to a more manageable level. Contact your local social service agency, community or religious groups, and local or state housing agencies. They may have programs that help consumers, including the elderly and those with disabilities, with energy bills, home repairs, or other emergency needs. Contact a local housing counseling agency to discuss your needs. Call the U.S. Department of Housing and Urban Development toll-free at 800-569-4287 or visit www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm to find a center near you. Talk with someone other than the lender or broker offering the loan who is knowledgeable and you trust before making any decisions. Remember, if you decide to get a home equity loan and can’t make the payments, the lender could foreclose and you would lose your home. If you decide a loan is right for you, talk with several lenders, including at least one bank, savings and loan, or credit union in your community. Their loans may cost less than loans from finance companies. And don’t assume that if you’re on a fixed income or have credit problems, you won’t qualify for a loan from a bank, savings and loan, or credit union--they may have the loan you want! Do Your Homework Contact several lenders--and be very careful about dealing with a lender who just appears at your door, calls you, or sends you mail. Ask friends and family for recommendations of lenders. Talk with banks, savings and loans, credit unions, and other lenders. If you choose to use a mortgage broker, remember they arrange loans but most do not lend directly. Compare their offers with those of other direct lenders. Be wary of home repair contractors that offer to arrange financing. You should still talk with other lenders to make sure you get the best deal. You may want to have the loan proceeds sent directly to you, not the contractor. Comparison shop. Comparing loan plans can help you get a better deal. Whether you begin your shopping by reading ads in your local newspapers, searching on the Internet, or looking in the phone book, ask lenders to explain the best loan plans they have for you. Beware of loan terms and conditions that may mean higher costs for you. Get answers to these questions and use the worksheet to compare loan plans: Interest Rate and Payments What are the monthly payments? Ask yourself if you can afford them. What is the annual percentage rate (APR) on the loan? The APR is the cost of credit, expressed as a yearly rate. You can use the APR to compare one loan with another. Will the interest rate change during the life of the loan? If so, when, how often, and by how much? Term of Loan How many years will you have to repay the loan? Is this a loan or a line of credit? A loan is for a fixed amount of money for a specific period of time; a line of credit is an amount of money you can draw as you need it. Is there a balloon payment--a large single payment at the end of the loan term after a series of low monthly payments? When the balloon payment is due, you must pay the entire amount. Points and Fees What will you have to pay in points and fees? One point equals 1 percent of the loan amount (1 point on a $10,000 loan is $100). Generally, the higher the points, the lower the interest rate. If points and fees are more than 5 percent of the loan amount, ask why. Traditional financial institutions normally charge between 1 and 3 percent of the loan amount in points and fees. Are any of the application fees refundable if you don’t get the loan? How and how much will the the lender or broker be paid? Lenders and brokers may charge points or fees that you must pay at closing or add on to the cost of your loan, or both. Penalties What is the penalty for late or missed payments? What is the penalty if you pay off or refinance the loan early (that is, is there a pre-payment penalty)? Credit Insurance Does the loan package include optional credit insurance, such as credit life, disability, or unemployment insurance? Depending on the type of policy, credit insurance can cover some or all of your payments if you can't make them. Understand that you don’t have to buy optional credit insurance--that’s why it’s called “optional.” Don’t buy insurance you don’t need. Credit insurance may be a bad deal for you, especially if the premiums are collected up-front at the closing and financed as part of the loan. If you want optional credit insurance, ask if you can pay for it on a monthly basis after the loan is approved and closed. With monthly insurance premiums, you don't pay interest and you can decide to cancel if the premiums are too high or if you believe you no longer want the insurance. After you have answers to these questions, start negotiating with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know you are shopping for the best deal. Ask each lender to lower the points, fees, or interest rate. And ask each to meet--or beat--the terms of the other lenders. Once You’ve Selected a Lender, Get the Following A “Good Faith Estimate” of all loan charges. The estimate must be sent within 3 days of applying. Blank copies of the forms you’ll sign at closing, when the loan is final. Study them. If you don’t understand something, ask for an explanation. Advance copies of the forms you’ll sign at closing with the terms filled in. A week or two before closing, contact the lender to find out if there have been any changes in the Good Faith Estimate. By law, you can inspect the final settlement statement (also called the HUD-1 or HUD-1A form) one day prior to closing. Study these forms. Write down any questions you want to ask. Think Twice before You Sign Have a knowledgeable friend, relative, attorney, or housing counselor review the Good Faith Estimate and other loan papers before you sign the loan contract. Be sure the terms are the same ones you agreed to. For example, a lender should not promise one APR and then--without good reason--increase it at closing. Refer to the list of questions you’ve written down. Ask where these terms are covered in the loan contract. And ask for an explanation of any dollar amount or term you don’t understand. Don’t let anyone rush you into signing the loan contract. Make sure all promises, oral and otherwise, are put in writing. It’s only what’s in writing that counts. Get a copy of the documents you signed before you leave the closing. Don’t Sign on the Dotted Line if the Lender … Tells you to falsify information on the loan application (for example, suggests that you write down more income than you really have). Pressures you into applying for a loan for more money than you need, or one that has monthly payments larger than you can afford. Promises one set of terms but gives you another with no good reason for the change. Tells you to sign blank forms or forms that aren't completely filled in. If an item is supposed to be blank, draw a line through the space and initial it. Pressures you to sign today. A good deal today should be available tomorrow. Know that You Have Rights under the Law You Have 3 Business Days to Cancel the Loan If you're using your home as security for a home equity loan (or for a second mortgage loan or a line of credit), federal law gives you 3 business days after signing the loan papers to cancel the deal--for any reason--without penalty. You must cancel in writing. The lender must return any money you have paid to date. Do You Think You've Made a Mistake? Has the 3-day period during which you may cancel passed and you're worried that you've gotten in over your head? Do you think your loan fees were too high? Do you believe you were steered into monthly payments you can't afford? Has your lender repeatedly pressured you to refinance? Is your loan covered by insurance you don't need or want? If you think you've been taken advantage of, state and federal laws may protect you. Also, the following organizations may be able to help: Your local or state bar association--sometimes listed under "Lawyers Referral Service" in the Yellow Pages of your phone book. The association may be able to refer you to low-cost or no-cost lawyers who can help. Your local consumer protection agency, state attorney general’s office, or state office on aging, listed in the Blue Pages of your phone book. Your local fair housing group or affordable housing agency, housing counseling agency, or state housing agency. You can learn more about credit and home equity loans by visiting the federal government’s web site for consumers, www.consumer.gov (see the Home and Community section). If you don’t have access to the Internet, ask a friend or relative to get the information for you. Or visit your local library or senior center, which may offer you free access to the Internet on their computers. For More Information State Banks that Are Members of the Federal Reserve System Division of Consumer and Community Affairs Mail Stop 801 Federal Reserve Board Washington, DC 20551 (202) 452-3693 www.federalreserve.gov Federally Insured State Non-Member Banks and Savings Banks Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, Missouri 64108 (877) 275-3342 www.fdic.gov National Banks and National Bank-Owned Mortgage Companies Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street Suite 3450 Houston, TX 77010 (800) 613-6743 www.occ.treas.gov Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks Office of Thrift Supervision Consumer Programs 1700 G Street, N.W., 6th Floor Washington, DC 20552 (800) 842-6929 www.ots.treas.gov Federal Credit Unions National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke Street Alexandria, VA 22314 (703) 518-6330 www.ncua.gov For state-chartered credit unions, contact your state's regulatory agency. Mortgage Companies and Other Lenders Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) FTC-HELP (877-382-4357, toll free) www.ftc.gov Other Information Sources U.S. Department of Justice Civil Rights Division 950 Pennsylvania Ave., N.W. Housing and Civil Enforcement Section, NWB Washington, DC 20580 (202) 514-4713 www.usdoj.gov/crt/housing/index.html Federal Housing Finance Board 1777 F Street, N.W. Washington, DC 20006 (202) 408-2500 www.fhfb.gov Department of Housing and Urban Development 451 7th Street, S.W. Washington, DC 20410 800-669-9777 (voice) 800-927-9275 (TTY) www.hud.gov Office of Federal Housing Enterprise Oversight (OFHEO) 1700 G Street, N.W. 4th Floor Washington, DC 20552 (202) 414-6922 www.ofheo.gov Adobe acrobat version of text for printing (119 KB PDF) is formatted for printing on two sides of a 11 x 17" sheet of paper. Fold the paper in half. The PDF contains a fillable area on the back panel for you to provide your own contact information. Worksheet for printing (58 KB PDF) Obtaining the Acrobat Reader from the Adobe Web Site This information was prepared by the following federal agencies: Department of Housing and Urban Development, Department of Justice, Federal Deposit Insurance Corporation, Federal Housing Finance Board, Federal Reserve Board, Federal Trade Commission, National Credit Union Administration, Office of Federal Housing Enterprise Oversight, Office of the Comptroller of the Currency, Office of Thrift Supervision. Home | Brochures Accessibility | Contact us Last update: March 24, 2004

Home Equity Home Equity

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

Denver Real Estate Buyers

METRO DENVER Real Estate, Metro Denver CO Homes for Sale, Highlands Ranch Real Estate Metro Denver Real Estate Toll Free 1-888-406-2259 Denver Real Estate Buyers Denver Real Estate Sellers Or, if you would like us to personally run your daily Denver Real Estate searches for you, click Run It For Me . Community Information + Detailed Maps of Metro Denver Area NEGOTIATING 101 See over 27,000 Metro Denver Home Listings In The Colorado M.L.S. Homes FOR SALE: View Here Servicing All Metro Denver Communities Denver Aurora Castle Rock Cherry Hills Centennial Englewood Greenwood Village Golden Castle Pines Cherry Creek Highlands Ranch Ken-Caryl Ranch Lakewood Littleton Lone Tree Parker Washington Park Castle Rock Area Denver County Douglas County Jefferson County METRO DENVER COMMUNITY INFORMATION + MAPS Denver Encyclopedia WEATHER BY CITY What's Happening In Denver? This comprehensive web site is all you will need to find your next Denver area home or sell the one you now have! There are easy to find answers to all your Denver Real Estate questions. RE / MAX and I are here to assist you through every step of the way. If you have any questions or are ready to buy or sell your Metro Denver Property , please Contact Us . or call (303) 880-4944 . Bill Kosena, a Denver real estate agent , has assisted clients just like you with all their real estate needs since 1978. Have Questions? With 28 years of experience, I have your answers. Receive your answers by e-mail , quickly and without obligation Your privacy is guaranteed! 303-880-4944 Toll Free 1-888-406-2259 OTHER TOPICS OF INTEREST Real Estate Practices In Denver A GUIDE TO BENTONITE Mold Mold Mold... And YOU Current Mortgage Rates Moving Check List What To Know Before Buying From A Builder FREE APPRAISAL "On the House!" Your Water Well Motor Vehicle & Driver's License Conforming Money Increased NEGOTIATING For Dummies Help Yourself To A Healthy Home Current Weather History of Colorado Great Reading! Denver Recreation Seniors Only Kids Only Colorado's Official Web Site Denver Employment Links Ready to BUY a Metro Denver area home? Welcome to Denver Real Estate On Line.com where you have direct access to all Metro Denver listings , extensive buyer information including helpful tips and articles all Denver buyers will find to be invaluable. Ready to SELL your Metro Denver area home? This site can offer your Denver area listing access to over 33,000 viewers every month who are looking for Denver Real Estate . We also offer you the skill and experience necessary to obtain a trouble-free sale that nets you the very highest possible price for your home. Expect a diverse range of marketing strategies that will expose your home to all possible buyers. The marketing plan for your home will be customized to your specific needs and your neighborhood market conditions. And, our 33,000 + monthly viewers will be the first to know your property is on the market. Simply fill out the free Broker Market Analysis form and we'll get back to you right away. Feel free to call 303-880-4944 to discuss specific questions you may have or to schedule an appointment. Featured Homes: - Looking for just the right property Check here first! Buyer/Seller Tips: - Read through helpful tips of information on buying or selling your home! What is your Home's Value? Let us figure out how much your home is worth in today's market! Local Schools: Identify the best school district for your family with our free schools reports. Local Weather: - Get up-to-date information on weather in the surrounding communities. Map & Driving Directions: - Need a map to our office or anywhere else? Denver Real Estate Expert for Highlands Ranch , Denver , Lone Tree , Greenwood Village , Cherry Hills Village , Castle Pines , Parker , Castle Rock , Cherry Creek , Washington Park , Littleton , Centennial, Ken Caryl To Get Answers Or More Information... 1 Please provide the following contact information: Name: Home Phone: E-mail: 2 How can we help you? By submitting this form with your telephone number you are consenting for this website's authorized representatives to contact you even if your name is on the Federal "Do not call List" Thank you for submitting your information. We will be in contact with you by phone or email shortly. Hello, I'm Denver Realtor Bill Kosena . I look forward to assisting you with your real estate needs throughout the Metro Denver area. 303-880-4944 or Bill@DenverRealEstateOnline.com Want to know what they are saying about Bill? Bill Kosena , ABR , CRS , GRI , SRES 303-880-4944 FREE & Without Obligation Pledge Guarantee of Privacy Statement Our Disclaimer LET'S BUILD OUR SITE VALUES About The Relocation Network Aventura Real Estate , Lake Chelan WA Real Estate , Austin Real Estate , Sarasota FL Real Estate , Spokane Orlando FL Real Estate , Clearwater Florida Real Estate , Bullhead City, AZ Real Estate , Arizona Real Estate , Miami Real Estate , Myrtle Beach Real Estate , Mississauga, Ontario , Tulsa Oklahoma Real Estate , Tucson Real Estate , Seattle Real Estate , Real-Estate-Agents.com , Round Rock Real Estate , South Florida Real Estate , San Jose Real Estate , Villa Kecapi Bali , Hawaii Real Estate Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Appraisers Home Improvement Home Inspectors Home Warranties Moving Companies Mortgage Lenders Favorite Real Estate Places International Partners Real Estate Directory Return To DENVER REAL ESTATE Masters, Inc. Bill Kosena ABR , CRS , GRI , SRES Toll Free 1-888-406-2259 Cell: 303-880-4944 info@DenverRealEstateOnline.com ABOUT BILL KOSENA | A.BUYER'S CHECKLIST | AURORA | BUYERS-START HERE | BUYING A NEW HOME -BROKER WITH YOU | CASTLE PINES | CASTLE ROCK | CENTENNIAL | CHERRY CREEK | CHERRY HILLS VILLAGE | CITY MAP | COMPARE APPLES TO APPLES WHEN INTEREST RATE SHOPPING | DENVER | DENVER EDUCATION | DENVER EMPLOYMENT | DENVER GOLF | DENVER HISTORIC SITES | DENVER HOSPITALS DENVER PRO SPORTS DENVER RECREATION | DENVER WEATHER | EARLY DENVER & COLORADO HISTORY | ENGLEWOOD | EXPANSIVE SOILS & BENTONITE GUIDE | FNMA CONFORMING LOAN LIMITS | FIND THE BEST REALTOR | FIVE POWER NEGOTIATION TIPS | "FLOAT DOWN" LOANS | GOLDEN | GREENWOOD VILLAGE | HELP YOURSELF TO A HEALTHY HOME | HIRING A GREAT HOME INSPECTOR | HIGHLANDS RANCH | HIGHLANDS RANCH HISTORY | HOMES NETTING THE HIGHEST SALES PRICE | HOME WARRANTIES | IMPROVE YOU NEGOTIATING OUTCOME | INCREASE PROPERTY VALUE | IS YOUR HOME OVER PRICED? | IS YOUR HOME READY TO SELL? | KEN CARYL | LAKEWOOD | LEAD BASED PAINT (LBT) BASICS & ASBESTOS BASICS | LOCAL REAL ESTATE PRACTICES | LONE TREE | LOWEST INTEREST RATE LOANS MOLD MOLD MOLD AND YOU | Mold (What You Should Know) | MORTGAGE CALCULATOR | MOVING TIPS | NEGOTIATING 101 | NEGOTIATING TO YES | PARKER | PROPERTY SEARCH RE/MAX BIO | RE/MAX RENOWNED PROPERTIES SECREST TO FINDING THE BEST HOUSE FOR THE MONEY | SELLERS-START HERE | "STAGING" YOUR HOME FOR A QUICK SALE | TESTIMONIALS | WATER & WELLS IN COLORADO | WOODPECKERS BOTHERING YOU? WHAT TO DO | WHAT TO KNOW BEFORE BUYING FROM A BUILDER | WHY LIST WITH US? | ZIP CODES Relocation Network & Partners Click here to reciprocate with this site! Real Estate Associates Relocation Connection REALTOR® Partners Real Estate Agents & Realtors Colorado Real Estate Agents Colorado Realtor Web Site Design and Hosting Provided By: Advanced Access © 1998-2005

Land Loan , In

LoanUniverse Community - Commercial Land Loan loanuniverse.com Help Search Members Calendar Welcome Guest ( Log In | Register ) LoanUniverse Community Community Forums Loanuniverse Forums Outline ·[ Standard ] · Linear+ Commercial Land Loan , In Miami Florida Track this topic | Email this topic | Print this topic Marnie1065 Dec 6 2005, 08:37 PM Post #1 Summer Intern Group: Members Posts: 1 Joined: 6-December 05 Member No.: 1,029 Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks -- loanuniverse Dec 7 2005, 09:27 AM Post #2 Administrator Group: Admin Posts: 1,089 Joined: 23-September 02 Member No.: 1 Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. -- lelting Dec 14 2005, 10:48 PM Post #3 Full-Time Teller Group: Members Posts: 13 Joined: 13-November 05 Member No.: 971 I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV -- LenderBuddy Dec 15 2005, 10:55 AM Post #4 Head-Teller Group: Members Posts: 23 Joined: 11-November 05 From: San Francisco Member No.: 968 If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. -- « Next Oldest · Loanuniverse Forums · Next Newest » 2 User(s) are reading this topic (2 Guests and 0 Anonymous Users) 0 Members: Close Topic Options Track this topic Receive email notification when a reply has been made to this topic and you are not active on the board. Subscribe to this forum Receive email notification when a new topic is posted in this forum and you are not active on the board. Download / Print this Topic Download this topic in different formats or view a printer friendly version. Forum Home Search Help Community Forums |-- Loanuniverse Forums Lo-Fi Version Time is now: 29th December 2005 - 03:39 PM Invision Power Board v2.0.4 © 2005 IPS, Inc.

Buy House

Amazon.com: House of Wax (Widescreen Edition): DVD: Elisha Cuthbert,Chad Michael Murray,Brian Van Holt,Paris Hilton,Jared Padalecki,Jon Abrahams,Robert Ri'chard,Dragicia Debert,Thomas Adamson,Murray Smith (VII),Sam Harkess,Damon Herriman,Andy Anderson (II),Emma Lung,Jaume Collet-Serra Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Best of Slasher Films Part 4 : A list by Jason Voorhees "Jason V" Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 108 used & new from $6.75 Available for in-store pickup now from: $20.99 Price may vary based on availability Enter your ZIP Code Have one to sell? House of Wax (Widescreen Edition) (2005) Starring: Elisha Cuthbert , Chad Michael Murray Director: Jaume Collet-Serra Rating: See larger image Share your own customer images List Price: $20.98 Price: $15.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.99 (24%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 108 used & new available from $6.75 Edition: Other Versions and Languages Other Versions (DVD) List Price Price Other Offers: DVD House of Wax / Gothika $35.98 $31.99 57 used & new from $27.78 DVD House of Wax (1953) / House of Wax $35.98 $31.99 47 used & new from $27.37 DVD House of Wax (Full Screen Edition) $20.98 $15.99 119 used & new from $6.95 Better Together Buy this DVD with The Amityville Horror (Widescreen Special Edition) DVD ~ Ryan Reynolds today! Total List Price: $49.93 Buy Together Today: $37.98 Customers who bought this DVD also bought The Amityville Horror (Widescreen Special Edition) DVD ~ Ryan Reynolds The Skeleton Key (Widescreen Edition) DVD ~ Kate Hudson War of the Worlds (Widescreen Edition) DVD ~ Tom Cruise Land of the Dead (Unrated Edition) DVD ~ Simon Baker Explore Similar Items : in DVD , in Music Storyline Genres: Horror Tagline: Prey. Slay. Display. Plot Outline: Six friends are stranded in a ghost town where a towering wax museum looms ahead. And inside are two brothers who have a special way of making the wax figures look real... Plot Synopsis: A group of friends on their way to a college football game falls prey to a pair of murderous brothers in an abandoned small town. They discover that the brothers have expanded upon the area's main attraction.. the House of Wax. And created an entire town filled with the wax-coated corpses of unlucky visitors. Now the group must find a way out before they too become permanent exhibits in the House of Wax... Plot Keywords: Title Spoken By Character | Car Trouble | Remake | Museum | Wax Museum | Interracial Relationship | Child Abuse | Doctor | Sheriff | Twins | American Football | (Show all 61 plot keywords recommended by customers) Product Details Actors: Elisha Cuthbert , Chad Michael Murray , Brian Van Holt , Paris Hilton , Jared Padalecki , See more Directors: Jaume Collet-Serra Format: Ac- , Closed-captioned, Color, Dolby, Dubbed, Subtitled, Widescreen, Ntsc, Widescreen Anamorphic Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Rated: (Not for sale to persons under age 18.) Studio: Warner Home Video DVD Release Date: October 25, 2005 Run Time: 113 min (original theatrical or airing runtime) Average Customer Review: Based on 176 Reviews DVD Features: Available Subtitles: English, Spanish, French Available Audio Tracks: English (Dolby Digital 5.1), Spanish (Dolby Digital 5.1), French (Dolby Digital 5.1) B-roll and bloopers video cast commentary From Location: Joel Silver Reveals House of Wax Wax On: The Design of House of Wax The House Built on Wax: visual effects Alternate open: Jennifer killed Gag reel Theatrical trailer From IMDb: Quotes & Trivia ASIN: B000AM4P9K Amazon.com Sales Rank: #2,264 in DVD Theatrical Release Information US Theatrical Release Date: May 6, 2005 MPAA: for horror violence, some sexual content and language. Production Company: Warner Bros., Dark Castle Entertainment, Village Roadshow Pictures, ImageMovers, Silver Pictures USA Box Office: $32 Million Budget Estimate: $30 Million Filming Locations: Australia| Movieworld, Gold Coast, Queensland, Australia| Queensland, Australia Editorial Reviews Amazon.com You know the one about the group of horny kids who get offed one by one? Yeah, so do director Jaume Collet-Serra and his screenwriters, who have updated an old Vincent Price flick and sandwiched it between hearty slices of The Blair Witch Project and various Friday the 13th films. Lots of WB and Fox network hotties--including 24 's Elisha Cuthbert, One Tree Hill 's Chad Michael Murray, and, well, Paris Hilton--have car trouble and stumble onto a town populated by real killer personalities. The R-rated result is fairly gruesome and, though no one ever quite looks frightened enough, Collet-Serra knows his way around a jolting suspense sequence or two. Cuthbert and an unintentionally funny Murray (striking ludicrous poses as some kind of real toughie) act more like angry ex-lovers than the fraternal twins they're supposed to be; Hilton acts bored while her real-life video scandal is exploited for ironic kicks; and the film heads shamelessly over-the-top with each new twist. As an exercise in bloody mayhem, it has a few novel touches, but you can easily find better scares. --Steve Wiecking Product Description: House of Wax tells the story of a group of friends who fall prey to a sinister plot while passing through a small town on their way to a college football game. Customers who viewed this DVD also viewed Sin City DVD ~ Robert Rodriguez Saw (Widescreen Edition) DVD ~ Leigh Whannell Mr. & Mrs. Smith (Widescreen Edition) DVD ~ Brad Pitt Batman Begins (Two-Disc Deluxe Edition with Comic Book) DVD ~ Christian Bale Explore Similar Items : in DVD , in Music , and in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 44 of 61 people found the following review helpful: Above Average Slasher , May 10, 2005 Reviewer: Mr. Censored - See all my reviews This new version of "House Of Wax" bears very little resemblance to the original, released over fifty years ago. That right there means certain people are gonna be angry about it. And I'm sure it must pain fans of the original to see this updated version with Paris Hilton as one of the stars. Nevertheless, if you are just looking for a good, fun slasher, with a hard R-rating (believe me, this puppy earned it), you could do much worse. Forget that this is a remake, and you will probably find yourself being pleasantly surprised. And if you still aren't sold, look at it this way: You get to watch Paris Hilton die! "House Of Wax," which stars Chad Michael Murray (from WB's...well, just the WB I guess) and Elisha Cuthbert (who is way sexier than Hilton, without even trying) tells the familiar story of a group of twenty somethings, on their way to a football game, who pull over for the night to set up camp and get a little R & R. However, an automobile problem, a broken headlight, and some damn stinky squirrels and deer, cause this group to wander into a town that time seems to have forgotten. The town, however, has one interesting feature, and that is the infamous House Of Wax. Not only is everything inside made out of wax (or is it?), the House itself is Of Wax. Of course, things go horribly wrong. Why does it feel like the wax figures can see us? Who was that outside the window? Why does that guy keep flirting and leering at my girlfriend? The movie plays out much like classic slashers such as "Texas Chainsaw Massacre," and even more like the 2003 "T.C.M." remake. Not only are both remakes extremely pumped up from the original, but you will notice many parellels between the two, from the bizarre torture scenes, to the creepy towns people, all the bases are covered with this movie. If you are a genre fan, you can't help but enjoy this movie. It does try a few different things and will take you by surprise a few times. Heck, one major surprise is Paris Hilton playing someone with moderate intellect. When someone says "What's that smell?" she doesn't want to find out. When she is being chased by the antagonist, she finds a weapon, and uses it. Not just your average teen slasher/splatter flick. As far as the gore goes, this movie has an abundance of it, but I found the wax much more effective. On a list of worst ways to die, I'd put that at the top! And when will people realize, if you keep picking at it, it won't heal (watch it and find out)? If it's possible to have a fear of wax, this movie may put it in you. So try not to let the seemingly shallow nature of this movie turn you away. Afterall, it's actually quite good, and it's refreshing, in a world of nuetered "PG-13" "horror" flicks, that a nice, solid "R" comes along and gives us the flanking we so badly needed. It's got it's flaws, and it does take a while for the film to build momentum, but if you want thrills, this one's got it. Just try not to cheer or laugh too much when Paris has her big moment... Was this review helpful to you? ( Report this ) 20 of 30 people found the following review helpful: A TERRIFIC GOOD RIDE WITH ALL THE THINGS A SLASHER FAN WANTS!! , October 11, 2005 Reviewer: Paulo Leite (Lisbon, Portugal) - See all my reviews At first, I wasn't expecting anything from this movie... I thought "well, here we go again for another stupid slasher with nothing new to offer". But I was wrong. In fact I found this film to be a terrific new entry into the slasher genre. The screenplay is very nice. I does not start to kill people right away.. it develops the story... lets you know ter characters... and THEN... just when you are dying to see some killings... it starts. ...And never lets go. The plot is better than you'd expect. Not the usual "six kids get to a wax museum". Instead they get separated in three groups (which opens the space for three almost-independent storylines). This may not look much... but in fact it allows the screenplay to build some plausability and complications. The characters come and go separate ways and the script creates great shock moments exactly at the moment different storylines meet. And the killings... they are brutal, sadistic... and go beyond the usual "slash-and-you're-dead"... In fact (laughs) nobody dies at first. The screenplay takes the detail up to the limit. All the killings are beautifully constructed. Without wanting to spoil the fun, I just should say this film goes further on the sadistic things the killers do. Much further than what was acceptable years ago. I think this film brought new breath to the genre. Casting is good, makeup is fine. Directing is solid, art direction is discreet enough... I really liked it. Of course there are better films made 20 or 30 years ago. But this one sits along the best slashers in the last 10 years (if it is not THE best one in 10 years). But beware! This film is very cruel! Maybe you would like to pass on it if you play the piano, if you love your fingers... or if you like to walk barefooted. By the way... It has nothing to do with the 1953 Vincent Price version... just the title and what it suggests. Obviously, this DVD is a great buy. Watch it alone... or with friends... with 2 tons of popcorn. Great! Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. The cast of hotties , December 29, 2005 A Kid's Review Almost the whole cast is hot like my cousin thinks paris hilton and elisha cuthbert are both hot&sexy.but i think jon arahams,jered&chad are hot espesialy jon abrahams his hot i lllllllllllooooooooooooooovvvvvvvvvvvveeeeeeeeeeeeeee him .oh yeah the movie its the best movie ever made .the only ugly people are bo&vincent .the movie its about 6friends on their way to a collage foot ball game but dalton and page get teird so they camp out near a abanded town. CAST:Elisha-Carly Brian van holt-Bo/Vincent Chad-Nick Jered-Wade Paris-Page Jon Abrahams-Dalton Robert-Blake Was this review helpful to you? ( Report this ) The cast of hotties , December 29, 2005 A Kid's Review Almost the whole cast is hot like my cousin thinks paris hilton and elisha cuthbert are both hot&sexy.but i think jon arahams,jered&chad are hot espesialy jon abrahams his hot i lllllllllllooooooooooooooovvvvvvvvvvvveeeeeeeeeeeeeee him .oh yeah the movie its the best movie ever made .the only ugly people are bo&vincent .the movie its about 6friends on their way to a collage foot ball game but dalton and page get teird so they camp out near a abanded town. CAST:Elisha-Carly Brian van holt-Bo/Vincent Chad-Nick Jered-Wade Paris-Page Jon Abrahams-Dalton Robert-Blake Was this review helpful to you? ( Report this ) 2 of 3 people found the following review helpful: The House Isn't The Only Thing That is Wax.... , December 28, 2005 Reviewer: fra7299 "fra7299" (California, United States) - See all my reviews Call me a bit of an overachiever, but I had to wait a day for this movie to sink in before I actually sat down to write a review for House of Wax. The verdict: It still wasn't very good. A film scripted for the MTV Generation of slasher-type films, House of Wax definitely pales in comparison to the Vincent Price version with the same name (I'm still not sure if they actually meant to call it that, or if this was to be an actual remake). There is loud music every so often, horny teens, and a wannabe tough street-type guy, and a generally creepy family (brothers) in a generally creepy town. At any rate, the two movies are a separate as you can get, so you won't have much of a chance to confuse them. If there is one thing to compliment this movie on, it's those momentary points of lurking suspense. We don't see the truly evil characters for awhile, so there is at least an attempt at build up. There is an attempt at trying to introduce us to the background of the two brothers, but it really is an empty explanation. They just show a family trying to get a rambunctious child to eat his food, and an overly aggressive father yelling. Then they flash forward, as if this explains everything. The movie seemingly begins to melt (no pun intended) before your eyes at certain points, despite its efforts to scare and thrill. I think a lot of it had to do with the seriously ridiculous plot and inane motives of the characters. The teens, who decide they want to go on a road trip to make it to the football game (it is a really important game, but we never know who is playing), of course don't make it in time and decide to spend the night in the creepiest place they can possibly find. Then, once there, they decide to hang out and party until some guy in a truck comes by and flashes his lights (he never gets out though, so we don't know who or what he is). Rather than suspecting that this guy might be some sort of serial killer out in the middle of no where, one of them decides to throw something at the truck, breaking one of the headlights and, in turn, making the possible homicidal maniac a little more upset. The truck leaves, and all appears to be fine. Fast forward to the next day....One of the guys really wants to get to the game (Why exactly everyone slept in until 2:30 in the afternoon is a question I can't answer..), but then one of the guy's cars has a broken fan belt (go figure), so they must deal with that. After accidentally slipping into a big pit with dead rotting animal flesh, which, for some reason Elisha Cuthbert's character insisted on seeing, her and her boyfriend decide to into town with some crazy derelict looking guy who makes his living apparently dumping dead animals into this pit....all in the name of a fan belt...sheesh! After the teens separate, you can use your imagination to guess what happens. The couple goes into the town to find the shop with fan belts, and, while in the process, decide to go into the spookiest place in town, the House of Wax. From there they meet another crazy guy who owns the shop, but happens to have that exact fan belt at his house. You know where this is going right? Eventually, Elisha Cuthbert's character realizes that there aren't any "real" people around, and that her boyfriend has been in that house just a little too long, and so chaos ensues. In the process of trying to get back to the town to get to the couple, some of the other teens meet up with the crazy brothers as well. They make the same silly mistakes that many teens make in these movies, and so, many points become a bit predictable and cumbersome to watch. I guess it could have been worse...Paris Hilton could have said something like, "Look! Wax, that's hot." There have been worse movies made, and definitely worse horror movies made. But, this is just another lower than average horror movie to make a few bucks for Hollywood. 1 stars for an effort at suspense. For kicks, I'll even round it up to 2. Was this review helpful to you? ( Report this ) Teen Slasher Movie with an interesting plot. , December 27, 2005 Reviewer: Ernest Hemmingway "Shawn" - See all my reviews When i first rented this movie, i was told that it was a horrible movies with some cheap scares. I was told wrong as a began to watch House of Wax. Six teenagers are on there way to a college football game when they experience car trouble, someone, overnight, had ruined one of the cars fan belts...as two of the characters venture into the seemingly empty town, they uncover a sinister plot involving the famous Trudy's House of Wax. The teenagers must fight for their lives, or they might become permanant displays... Paris Hilton's character could have been cast better, and it was fun to see her die in an ironic sort of way. The movie is interesting with it's plot twists and the final breathtaking conclusion. I enjoyed the ending of this movie because it didn't leave you hanging, you knew who was going to live or not. I doubt there will be a sequel. Was this review helpful to you? ( Report this ) See all 176 customer reviews... Listmania! Best of Slasher Films Part 4 : by Jason Voorhees "Jason V" 2005 Is Full Of Horror! : by S. Medeiros "Gentleman_caller8... The Best B-Rate Horror Films! : by Paul So You'd Like to... Know what movies are coming out to DVD in 2005 : by Aaron Watkins , Movie Browser October is one expensive month! : by sec127 , High School Student Know What's Coming to a DVD Store Near You : by Joe , Movie Lover Fun Facts from IMDb.com: Awards Click here to see more Awards Teen Choice Awards: Teen Choice Award for Choice Movie: Thriller, Choice Movie Scream Scene, Choice Movie Actor: Action/Adventure/Thriller Nominations Click here to see more Nominations Teen Choice Awards: Teen Choice Award for Choice Movie Breakout Performance - Female, Choice Movie Rumble, Choice Movie Actress: Action/Adventure/Thriller, Choice Movie Breakout Performance - Male Trivia Click here to see more Trivia On 26 June 2004, a sound stage being used for the film burned to the ground during a test of special effects equipment. The fire was started by a candle destroying a studio where this movie was being filmed at Warner Bros Movie World on Australia's Gold Coast. One crew member was treated for burns to his arm no one else was injured. The smoke from the fire also crossed onto a nearby heavily used Highway which caused health concern's for driving motorists, the Highway was not shut down during this incident. Paris Hilton did not have to audition - she was the director's only choice for her role. The rest of the cast was built around her. Goofs Click here to see more Goofs Carly leaves the voice mail message for Paige and the whole scene with the truck gets on the voice mail. When Blake checks his phone after the music stops, the message isn't the same as earlier. Crazy Credits Click here to see more Crazy Credits Random letters in the end credits of the movie begin to melt down from thescreen as they appear. Also, some pairs of letters are joined, just like Boand Vincent when they were born. Movie Connections Click here to see more Movie Connections Remake of: Mystery of the Wax Museum | House of Wax References: Alternate Versions Click here to see more Alternate Versions The uncut version is rated R21 in Singapore. Two scenes needed to be trimmed to secure an NC16 rating. First is the body dragging scene where the head slowly detaches itself from the torso. Next is the scene where the killer graphically removes a pole that is jammed into a female victim's head. The DVD features an alternate opening: A young woman, Jennifer (Emma Lung), (the woman who is sculpted into Miss Ambrose) is stranded on the road after her car breaks down. As she calls a towing company, Bo's truck drives up. She tries to signal him, but gets no response. Then, the truck speeds up. Jennifer tried to run, but Bo grabs her by the neck and throws her face-first into her windshield, instantly killing her. Two versions are available in Germany: the uncut version with a "Not under 18" rating and an edited version (with a "Not under 16" rating) which misses ca. 3 minutes. Quotes Click here to see more Quotes [Carly hears a noise outside the tent] Carly Jones : Wade, wake up. Wade! I heard something. Wade : Yeah, it's probably the serial killers or something. [to Nick and Dalton] Blake : Hey are you two gonna have sex? Nick Jones : No... Blake : Oh, cause 'um, me and Paige ARE, so you should probably be the one to go pick up your sister. For more information about "House of Wax (Widescreen Edition)" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( R ) > Richard, Robert DVD > Genres > Horror > General DVD > Genres > Horror > Slasher Flicks DVD > Genres > Horror > Teen Terror DVD > Genres > Science Fiction & Fantasy > General 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. Propose corrections using our Online Catalog Update Form . 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. • Visit our Help department . Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Musical Instruments Health/Personal Care Pet Supplies Travel Cell Phones & Service Outlet Auctions zShops Everything Else Automotive for 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 Room | Careers Conditions of Use | Privacy Notice © 1996-2005, Amazon.com, Inc. or its affiliates