real estate investing courses.
Investment Services Real Estate Instruments in the Yahoo! Directory Search: the Web | the Directory | this category Investment Services > Real Estate Instruments Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Financial Services > Investment Services > Real Estate Instruments CATEGORIES Real Estate Investment Trusts (110) SPONSOR LISTINGS ( What's this? ) Matrix Capital Partners - private equity firm focused on multi-family real estate investments and the preservation of affordable housing communities. SITE LISTINGS By Popularity | Alphabetical ( What's This? ) Sites 1 - 31 of 31 RealEstateCourseReviews.com - read and write reviews of the most popular real estate investing courses. Also offers products, articles, and links related to real estate investment. Oarlock Investment Services, Inc. - specializes in investment real estate for self-directed retirement accounts. Lend Lease Corporation Limited Lend Lease Real Estate Investments - diversified investment manager offering real estate and mortgage products. George Smith Partners, Inc. - commercial mortgage brokerage firm specializing in financing acquisition, construction, and mezzanine loans in addition to joint venture equity and highly leveraged participating debt. Cashflow Property Network - offers members insight on where to invest, what types of real estate to invest in, and what to expect as a real estate investor. Intercontinental - features investment, development, and asset management. Legacy Partners - management and investment company with properties in the western states. The J.E. Robert Company - commercial mortgage investment and asset management firm with offices in the U.S. and France. Charter Municipal Mortgage Acceptance Company (AMEX: CHC ) - invests in tax-exempt bonds, the proceeds of which are used by borrowers to finance and refinance the development and ownership of multifamily housing nationwide. Bancroft Capital - real estate investment and consulting company specializing in the western United States. L & B Group - provides real estate investment advisory and management services to institutional investors. LNR Property Corporation - invests primarily in real estate properties, loans, and securities. New Boston Fund, Inc. - offers information on activities and investment team. Capital Commercial Investments (CCI) - real estate investment company. Maverick Consulting Group - consulting for residential, office and retail property investment internationally. RealtiCorp - real estate trading company that does research based land investing to identify, acquire, and sell land. Krupp Funds Group American Spectrum (AMEX: AQQ ) - diversified real estate investment and management company. Sagam - specializing in investments and trading in Mortgage Backed Obligations an the Dynamic Currency Unit (DCU). RealNet USA - provides a wholesale method of acquiring, financing, insuring, and managing real estate investments. Phoenix Capital - specializing in acquiring income-generating real estate assets by purchasing property units from individuals involved in limited partnerships or syndications Infinity Commercial Real Estate Group - specializing in 1031 Tax Deferred Exchanges, and focusing on income producing properties such as apartment complexes, office buildings, and retail centers. Asia Pacific Capital - acquisitions include office, hotel, retail and residential properties. Institutional Real Estate Advisors - investment options for ERISA multi-employer plans, corporate plans, and related investment managers. TDM Properties - properties in Australia, New Zealand, and the South Pacific. Buy A House.com - offering real estate investment services assisting people in creating real estate wealth. Gravitas Holdings - financial structuring engine at the heart of a group of companies that focuses on property acquisitions, procurement, sales, and consultancy services. Asset Marketing, Inc. - real estate holding offers investment, marketing, development, and management services. Property-Invesmtent.com - provides clients with professional advice regarding foreign property investments. Matrix Capital Partners [SPONSOR] - private equity firm focused on multi-family real estate investments and the preservation of affordable housing communities. Investment Services > Real Estate Instruments Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Financial Services > Investment Services > Real Estate Instruments Search: the Web | the Directory | this category
Texas Land Trusts About
Texas Land Trust Directory Listing Maincontent Local Navigation print friendly search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home Land & Water Land Private Tltc Dir List Texas Land Trusts About Texas Land Trusts Starting a Land Trust Texas Land Trust Directory Foreword Listing Regional Index About the Texas Land Trust Council ( TLTC ) TLTC Board of Directors and Honorary Council News 2004 TLTC Conference Speech Bulletin Board TLTC Publications Land Trust Resources Texas Land Trusts Top 1-Million Mark in Acres Conserved Texas Land Trust Directory Listing Land Trusts are listed below. Each title is a link to additional information about the Land Trust. American Farmland Trust (413) 586-4593 or (800) 370-4879 http://www.farmland.org Archaeological Conservancy (505) 266-1540 http://www.americanarchaeology.org Audubon Texas (512) 306-0225 http://www.tx.audubon.org/ Bat Conservation International (512) 327-9721 http://www.batcon.org Bexar Land Trust (210) 222-8430 http://www.bexarlandtrust.org Big Thicket Natural Heritage Trust (903) 566-8939 or (903) 566-0535 http://www.btatx.org Brazos Valley Land Conservancy (979) 764-3844 Cactus Conservation Institute (432) 364-2620 Cibolo Conservancy (210) 699-9290 Coastal Bend Land Trust (361) 882-5624 http://www.coastalbendlandtrust.org Connemara Conservancy (214) 351-0990 http://www.connemaraconservancy.org Conservation Fund (512) 477-1712 http://www.conservationfund.org Cradle of Texas Conservancy (979) 238-5001 Ducks Unlimited (832) 595-0663 http://www.ducks.org Frontera Land Alliance (915) 545-5214 Galveston Bay Foundation (281) 332-3381 http://www.galvbay.org Guadalupe-Blanco River Trust (830) 372-5077 http://www.gbrtrust.org Gulf Coast Bird Observatory (979) 480-0999 http://www.gcbo.org Hill Country Conservancy (512) 328-2481 http://www.hillcountryconservancy.org Hill Country Land Trust (830) 997-0027 Houston Audubon Society (713) 932-1639 http://www.houstonaudubon.org Hudspeth Directive for Conservation (505) 531-7246 Humane Society of the United States Wildlife Land Trust (301) 548-7735 http://www.hsus.org Katy Prairie Conservancy (713) 523-6135 http://www.katyprairie.org Legacy Land Trust (713) 524-2100 http://www.llt.org National Wild Turkey Federation (803) 637-3106 http://www.nwtf.org Native Prairies Association of Texas (254) 897-3646 http://www.texasprairie.org Natural Area Preservation Association (512) 804-1981 or (972) 234-5768 http://www.napa-texas.org Nature Conservancy of Texas (East Texas) (409) 941-9114 Nature Conservancy of Texas (Headquarters) (210) 224-8774 http://www.nature.org Nature Conservancy of Texas (North Texas) (903) 568-4139 Nature Conservancy of Texas (South Texas) (361) 882-3584 or (361) 887-9487 Nature Conservancy of Texas (West Texas) (432) 426-2390 Panhandle Land Trust (806) 374-5317 Pines and Prairies Land Trust (512) 308-1911 Rock Art Foundation (210) 525-9907 http://www.rockart.org Texas Cave Conservancy (512) 249-2283 Texas Cave Management Association (210) 699-1388 or (512) 832-1965 http://www.tcmacaves.org Texas Land Trust Council (512) 389-4779 or (512) 389-4961 http:..www.tpwd.state.tx.us/conserve/tltc/ Texas Ornithological Society (713) 743-0590 http://www.texasbirds.org Texas Parks and Recreation Foundation (972) 744-4595 Texas Parks and Wildlife Foundation (214) 720-1478 http://www.tpwf.org Trees For Houston (713) 840-8733 http://www.treesforhouston.org Trust for Public Land (Austin) (512) 478-4644 http://www.tpl.org Trust for Public Land (Dallas) (214) 741-3600 http://www.tpl.org Trust for Public Land (Houston/Galveston) (713) 226-7200 or (713) 703-1123 Valley Land Fund (956) 971-8550 http://www.valleylandfund.com Westcave Preserve (830) 825-3442 http://www.westcave.org Wetland Habitat Alliance of Texas (936) 569-9428 http://www.whatduck.org Wimberley Valley Watershed Association (512) 847-1582 http://www.visitwimberley.org/water/ Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: July 29, 2005, 3:56 pm
buy Home [Magazine Subscription]
Amazon.com: Better Homes and Gardens [MAGAZINE SUBSCRIPTION]: Magazine Subscriptions Your Store Magazine Subscriptions See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | browse subjects | top sellers | today's deals | gift ideas | newspapers | professional & trade Search Amazon.com Magazines Newspapers Newsletters Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . MAGAZINE INFO Explore this magazine buying info editorial reviews customer reviews See more images Customers also bought these magazines these other items Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS MAGAZINE I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the DVD Store The Incredibles (Widescreen 2-Disc Collector's Edition) DVD ~ Holly Hunter Spec tacular Readers Never misplace your reading glasses again with the hip andstylish magnetic readers from CliC . Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . Better Homes and Gardens [MAGAZINE SUBSCRIPTION] Cover Price: $41.88 Price: $15.97 ($1.33/issue) You Save: $25.91 (62%) Issues: 12 issues/12 months See more images Print a Magazine Gift Card Ordering it as a gift? Give your recipient a personalized Better Homes and Gardens gift card! ( Flash Player required.) See more magazine gift options . Magazine subscriptions always ship free, and they help you qualify for FREE Super Saver Shipping on the rest of your order! See details . Ready to Renew? Learnhow . Availability: The first issue should arrive in 6-10 weeks. Here's why See more product details Better Together Buy this magazine with Good Housekeeping [Magazine Subscription] today! Total List Price : $71.88 Buy Together Today: $25.97 Product Details Format: Magazine Shipping: Currently, item can be shipped only within the U.S. Publisher: Meredith Corporation Abstracts and Table of Contents. See here . ASIN: B00005N7OV Average Customer Review: Based on 18 reviews. Write a review . Amazon.com Sales Rank: Today: #89 in Magazine Subscriptions Yesterday: #147 in Magazine Subscriptions For magazine orders, your name and mailing address will be shared with the appropriate publisher. This magazine subscription is provided by Synapse Services, Inc. Customers who bought this magazine also bought: Southern Living [Magazine Subscription] House Beautiful [Magazine Subscription] Country Living [Magazine Subscription] Woman's Day [Magazine Subscription] Explore Similar Items : 20 in Magazine Subscriptions , 4 in DVD , and 1 in Music What similar items do customers ultimately buy after viewing this item? 18% buy Sunset [Magazine Subscription] 8% buy House & Garden [Magazine Subscription] 7% buy this item(Better Homes and Gardens [Magazine Subscription] 4% buy Home [Magazine Subscription] 4% buy Fine Gardening [Magazine Subscription] Explore Similar Items : 9 in Magazine Subscriptions , 9 in Books , and 2 in Kitchen & Housewares Editorial Reviews From the Publisher This home and family service magazine is designed for husbands and wives who have a primary interest in the home and family. It services its readers in the form of ideas, advice, information and inspiration to achieve a better home and family. Description Better Homes & Gardens magazine is designed for people interested in turning home, cooking, and gardening inspiration into action. It is focused on decorating, building and remodeling, crafts, entertaining, cooking, healthy living, and gardening. It also has extensive information specifically for women and families. In addition to providing product reviews, practical homeowner advice, step-by-step instructions, and money-saving suggestions, the magazine covers the latest developments and trends... read more See all editorial reviews... Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 11 of 11 people found the following review helpful: cluttered but nice , October 17, 2003 Reviewer: Alejandra Vernon "artist & illustrator" (Long Beach, California)- See all my reviews This magazine has a lower cover price than some of its competitors, and makes up for it with a massive amount of ads. A few ads contain coupons, for those that like to cut those little things out (unfortunately they are hardly ever for anything I want !). The paper is also a lot thinner than the higher priced home/garden publications, and the photographs do not reproduce that well on it. On the bright side, there are many nice dcor ideas, and simply terrific recipes. Taking the October 2003 edition as an example, Fall colors and produce are the theme. It has some ideas on how to display gourds, and an article on a community pumpkin patch, from the June planting by 140 neighbors and friends in a 6000 square ft. area, to harvest time. There are numerous articles on remodeling, "Foolproof Potted Plants", on the joys of having hardy succulents in your home, and a lovely piece with lots of photographs on actor Peter Strauss' gorgeous Ojai, California garden. The best article of all, is "The Magic of Soup", and some of these recipes are so good they might end up in your family for generations. They are simple to prepare, with easy to find ingredients, and will make a healthy, hearty meal for those frosty days ahead. Also included with the recipes is the preparation and cooking time, and nutritional statistics. As someone who writes a lot of notes and cards, I appreciate the final page which is about letter writing, and how this vanishing form of communicating is good for the soul. All things considered, this magazine gives good value, and is meant for those of us who do not live in a mansion or have hours to devote to a single recipe. Was this review helpful to you? ( Report this ) 7 of 7 people found the following review helpful: Essential for Decorating Tips! , December 30, 2001 Reviewer: Rebecca Johnson "The Rebecca Review" (Issaquah, WA)- See all my reviews If you are looking for ideas for that next decorating project, more than likely you can find at least one article each month to inspire you. With a focus on friends and family, gardening, interior design, building, family matters, flood, good health and shopping, you can't go wrong! I like the "Yours for the Asking" section where you can send away a postcard for more information instead of contacting each company. For mom's, the "kids project" section will be amusing and your kids will love the ideas. The cartoons are also cute and I had to laugh at the one that said: "Of course I love you. Didn't you get my fax?" Something about the pictures in this magazine always remind me of a bright sunny day. The open kitchens and lush gardens are just a treat to see. The recipe section really has a personality all of its own. The "Petite Caramel Apple" recipe they had in the September 2001 issue was so adorable! I look forward to every issue! Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 3 of 3 people found the following review helpful: Better Ads & More Ads , June 20, 2005 Reviewer: theosuperstar "theosuperstar" (Hallstead, PA United States)- See all my reviews This magazine is a waste of money and bores me. Nothing here to see but ads. Was this review helpful to you? ( Report this ) 2 of 2 people found the following review helpful: I love this magazine but... , October 7, 2004 Reviewer: Miss Seattle (Parker, Colorado)- See all my reviews most of the beautiful gardens I see are in Washington or Oregon or back east somewhere. Having lived in Washington, I do enjoy seeing some of the plants that I am missing here in Colorado, but it would be nice to see a more varied selction of gardens becasue we all can't live in the Pacific Northwest. I have a subscription to Sunset so I guess that will have to suffice, but I do wish BH&G would take that into consideration. Otherwise, I LOVE this magazine. I used to get several magazines, but this was always my favorite. It is chock full of ideas that we can really use. And I love the photography. What sets BH&G apart is that you can see a hint of life in these beautiful houses. Slippers on the floor, newspaper on the table and often the owners of the home are in the pictures too. They are sometimes blurred from movement which is actually nicer than a posed shot. It helps set the feeling that this home is lived in and is attainable. I would say get this magazine right away. I would have given it 5 stars except for the whole garden thing. Was this review helpful to you? ( Report this ) 7 of 10 people found the following review helpful: AKA...Better Homes and Advertising , February 18, 2004 Reviewer: A magazine reader (Glendale, CA United States) I ordered this magazine recently only to cancel my subscription. There is way too much advertising in the magazine and none of the crafts or projects really enticed me to get creative. It's too bad. Go with Martha Stewart Living or Sunset magazines instead, both high quality. Was this review helpful to you? ( Report this ) 6 of 17 people found the following review helpful: Hello... , January 8, 2004 Reviewer: A magazine reader (St. Helens, OR United States) For those of you that complain about advertisments in magazines, what are you whining about? How do you think magazines get a nice chunk of their funding? They have companies pay to have their products advertised in the mag. so shut up. On a happier note, I love this magazine. It has wonderfuly lovely ideas for make your house look beautiful though some of the ideas do seem a little pricey. Was this review helpful to you? ( Report this ) See all 18 customer reviews... So You'd Like To... Solve Your Back & Neck Pain For Female Athletes ? :by Dr Adam Weiss , Doctor and Author discover the Heart 'n' Soul of a BUNGALOW :by Lynda Thoreau , Arts and Crafts aficionado, ergonomist and designer Be a Southern Belle :by Krystn McKenney , Misplaced Southerner Listmania! Don"t bother me...I"ll be taking a LONG BATH. :A list by Jenni Moore , bath lover, spa scientist Interior Decorating Delights :A list by Psboston7 , 16 Various Magazine Subscriber Relaxing Gifts for Mom :A list by hugandkiss , anyone Browse for magazine subscriptions in: Titles, A-Z > B Subjects > Home & Garden > General Subjects > Home & Garden > Gardening I have read this magazine, and I want to review it. Is there a specific product you'd like us to sell? Tell us about it. 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@LA Real Estate in Southern California: Los Angeles County, Orange County, Riverside County, San Bernardino County and Ventura County Real Estate 900+ lenders/No Cost whole words only All Counties Los Angeles County Orange County Riverside County San Bernardino County Ventura County www. .la Apartment Rentals Appraisers Architects Auctions Builders College Departments Commercial Property Construction / Contractors Consultants Courses Developers Directories Escrow Services For Sale By Owner / FSBO Foreclosures / REO Government Housing Agencies Government Planning / Development Agencies Home Improvement Home Tours Homeowners Organizations Inspectors Insurance Investments Lenders Listings Manufactured Homes Master Planned Communities Mobile Homes Mortgages New Home Projects Moving Office Space for Rent Property Listings Property Management Publications Realtors, Directories Realtors, Los Angeles County Realtors, Orange County Realtors, Riverside County Realtors, San Bernardino County Realtors, Ventura County REITs REO Research Centers Retirement Communities Schools, K-12 Schools Self Storage Senior Living Software 1031 Exchanges Timeshare Sales Title Insurance Training Urban Planning Vacation Homes Index Directories Appraisers Commercial New Homes Los Angeles County Orange County Realtors Riverside County San Bernardino County Ventura County California Real Estate Center California Real Estate Guide Condo Biz Online Southern California Hot Listings Southern California BR iMRMLS Multi-Regional Multiple Listing Service IRED (Internet Real Estate Directory) California LA Real Estate Center LA Times Real Estate - MLS Los Angeles Real Estate Guide Mi Casa - Latino, Hispanic National Realty Directory 9keys.com Real Estate HQ: California Realty Locator Los Angeles SoCal Homes Resource, The Southern California Real Estate Southern California Real Estate Alliance Southern California Real Estate Guide Los Angeles County AV Real Estate - Antelope Valley Orange County OCRealEstateFinder.com Riverside County Desert Homes Homes on the Hill, Guide to Real Estate in Idylwild Realty Illustrated , Palm Springs South Riverside County Real Estate Guide The Homes Magazine , Temecula San Bernardino County Desert Gold Real Estate Directory , Yucca Valley MountainInfo.com Real Estate VictorvalleyMLS.com Yucaipa Valley Board of REALTORS MLS Ventura County Ojai Valley News Real Estate Guide PropertyNET - Homes & Land of Ventura County Index Property Listings Commercial Property For Sale By Owner / FSBO Foreclosures / REO Los Angeles County Mobile Homes / Manufactured Homes New Home Projects Investments Orange County Realty Networks REITs Retirement Communities Riverside County San Bernardino County Statewide Vacation Homes / Resorts Ventura County VA Homes Los Angeles Realty Networks Century 21 Residential Property Search ERA Online Property Search: California RE/MAX Find a Home SCE Real Estate - corporate owned California Statewide A House for Sale, California California Ads4Homes California Real Estate - few listings California Real Estate Guide Homefinder Condosource duPont Registry California - luxury homes EPage Classifieds: Southern California Real Estate Farm and Ranch.net California HarmonHomes.com Homes for Sale in California Home Classifieds California HomeGain Homes & Land (HOMES.COM) California State Map Homes for Sale, Southern California - magazine HomesBy.com Homeseekers.com Southern California Real Estate Housekey California HouseHunt LA Times Home Sale Prices - database of recent home sales LA Times Homes for Sale - MLS Land for Sale in California LandDirectory.com California LoanBiz.com California Edition Classifieds MLS of California Model Home Tour MSN HomeAdvisor Property2000 For Search Search REALTOR.COM California Living Network Find a Home - MLS REALTOR.com, Southern California - MLS Thelandsite.com - land The Real Estate Book - California Los Angeles County Combined L.A./Westside MLS (Multiple Listing Service) LoftsOnline.us Los Angeles Santa Clarita Valley Parade of Homes South Bay Homes The Real Estate Book , La Canada - foothills area TheOpenHouseList.com Valley Homes for Sale - San Fernando Valley westLAhomesonline.com WhereToLive.com - Los Angeles Orange County OC Homes and Rentals ochome connection Orange County Coastal Homes MLS Listings Orange County Homes & Real Estate Source Riverside County Desert Area MLS The Desert Sun Real Estate , Palm Springs San Bernardino County Victor Valley MLS Ventura County Ojai Valley MLS Ventura County Star Homes Ventura Homenet Index FSBO/For Sale By Owner A Better FSBO: California - Promote your property - worldwide, 24 hours a day, everyday, and get personalized service. 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By Owner Online Properties in California By Owner Sales California Real Estate Guide For Sale By Owner Easy Sell By Owner California Free Home Listings California Home Vue Land-FSBO.com California Counties Los Angeles FSBO Open House Online - California Real Estate Owners.com Real Estate For Sale By Owner , Manhattan Beach - can list your FSBO property in the MLS Real Estate For Sale By Owner, California, USA RealEstatePhotos.com California Sale by Owner Search Index REO/Foreclosures BuyBankHomes CA-Foreclosures Community Commerce Bank Real Estate Owned List Downey Savings Foreclosures for Sale Fannie Mae-Owned Property Search FDIC Owned Real Estate Retrieval System ForeclosureFreeSearch.com California HomeSteps Home Finder California Listings - from Freddie Mac IRS Real Estate for Sale - national list PEMCO Southern California - buy a HUD home RealtyTrac Property Search: California Santiago Financial Services , Tustin - manufactured homes SBA California Property for Sale U.S. Real Estate Sales List - U.S. General Services Administration (GSA) national listing Southern California Foreclosure Network - report service VA Homes Los Angeles Index Auctions Auctions in General Land Accelerated Marketing Group , Irvine Coulter & Associates , Brea Flans & Weiner , Encino JP King Auction Company Kennedy Wilson , Beverly Hills Piatelli Auctions , Beverly Hills - commercial Land Land Disposition Company , Irvine Land Disposition Company LPL Land Auctions , Encino Index Timeshares Vacation Rentals Carousel Timeshare Resales , Dana Point Club Intrawest , Palm Desert Jack's Timeshares TRI West Timeshare , West LA Internet Services Database Applications All text, images and HTML © 1995-2005 Technique Development . 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home equity loan, ask
Shopping for a Home Equity Loan? -- Search: FTC Consumer Alert PDF Version Shopping for a Home Equity Loan? If you decide that the timing’s right for a home equity loan, ask your friends or family for recommendations of lenders. Then, comparison shop . Comparing loan plans will help you get a better deal. Contact several lenders, not just the ones that send you mail, call you, or knock on your door. Talk with banks, savings and loans, credit unions, mortgage companies, and mortgage brokers. Remember, brokers don’t lend money: they help arrange loans. Ask all the lenders you interview to explain the loan plans they have for you. If you don’t understand any loan terms and conditions, ask questions . They could mean higher costs. Knowing just the amount of the monthly payment or the interest rate is not enough. Pay close attention to fees , including: the application or loan processing fee, origination or underwriting fee, lender or funding fee, appraisal fee, document preparation and recording fees, and broker fees which may be quoted as points, origination fees, or interest rate add-on. If points and other fees are added to your loan amount, you’ll pay more to finance them. Also ask for your credit score . Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences – like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts — is collected from your credit application and your credit report . Creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points — your credit score — helps predict how creditworthy you are, that is, how likely it is that you will repay a loan and make the payments when they’re due. Negotiate with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know that you’re shopping for the best deal. Ask each lender to lower the points, fees or the interest rate. And ask each to meet — or beat — the terms of the other lenders. Before you sign, read the loan closing papers carefully . If the loan isn’t what you expected or wanted, don’t sign the loan. Either negotiate changes or walk away. You also generally have the right to cancel the deal for any reason — and without penalty — within three days after signing the loan papers. The lender must return any money you’ve paid to date. Your Credit Report Because your credit report is an important part of many credit scoring systems, it’s very important to make sure it’s accurate before you submit a credit application. To get copies of your report, contact the three major credit reporting agencies: Equifax: (800) 685-1111 Experian (formerly TRW): (888) EXPERIAN (397-3742) Trans Union: (800) 916-8800 These agencies may charge you up to $9.00 for your credit report. To Learn More For more information about shopping for a home equity loan and a glossary of home loan terms, call the FTC’s Consumer Response Center toll-free at 1-877-FTC-HELP (382-4357). Ask for a free copy of Looking for the Best Mortgage: Shop, Compare, Negotiate ; and Home Equity Loans: The Three-Day Cancellation Rule . Or visit us online at ftc.gov . Lender A Lender B Lender C What are the monthly payments? What is the Annual Percentage Rate (APR)? (the cost of credit expressed as a yearly rate; includes the interest rate, points, broker fees, and other credit charges) What is the interest rate? (the cost of borrowing money expressed as a percentage rate) Will the interest rate change? When? How often? By how much? What will you have to pay in points? What will you have to pay in fees? Application or loan processing fee Origination or underwriting fee Lender or funding fee Appraisal fee Document preparation and recording fees Broker fees Other fees Are any of the application fees refundable if you don't get the loan? How many years will you have to repay the loan? Is this an installment loan or a line of credit? Is there a balloon payment? What are the total closing costs? If you use a broker, how will he or she be paid? Does the loan include optional credit insurance? (You don't have to accept optional credit insurance to get your loan.) If you want optional credit insurance, can you pay for it monthly instead of financing the premiums as part of your loan? Did you get a copy of your credit score? Can you afford this loan? The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. January 2001