Texas Land 700 West

Jerry Patterson For Texas Land - Community & Social Services - Austin, TX, 78701-2727 - Citysearch 7 BOC Spa & Beauty: 7 days till voting begins -- New to Citysearch? Sign In · Help · Dec 29 2005 Home Restaurants Bars & Clubs Hotels Shopping Spa & Beauty Movies Events See More Categories » Search Business name, category, and/or keyword Search by name only Address, city & state, or zip | Neighborhood Address, city & state, or zip | Neighborhood Address, city & state, or zip | Airport Address, city & state, or zip | Attraction Select a Austin Neighborhood Arboretum Bergstrom Airport Buda CedarPk/Leander Downtown Austin East Austin Georgetown Hill Country Hyde Park Lake Travis North Austin Northeast Austin Northwest Hills Oak Hill Round Rock/Pflugerville San Marcos South Austin Southeast Austin Tarrytown Travis Heights University of Texas - Austin West Austin West Lake Hills Select an Austin Airport Select an Austin Attraction My Locations Add/edit locations Recent Locations Clear recent locations Save to My Citysearch Printer Friendly Version Home · Yellow Pages · Community & Social Services · Political Organizations · Profile Jerry Patterson For Texas Land 700 West Ave Austin, TX 78701-2727 (512) 477-2427 7.6 Overall Popular About our ratings Ratings feedback Send to a Friend Own this business? » Enhance or edit your listing See something wrong? » Suggest a correction Things to do nearby: 700 West Ave Austin, TX 78701-2727 · Restaurants · Hotels · Bars · Movie Theaters · Department Stores · Shopping Centers & Malls · Grocery Stores · Pharmacies · Florists · Banks Related Searches · Austin Community & Social Services · Austin Political Organizations Community & Social Services · Search anything in Austin · Search Yellow Pages in Austin · Search other Cities · Browse Austin Editorial Lists Related Editorial Content Dog-Friendly Austin We've sniffed out the city's best spots for a full day of doggie nirvana. So grab a leash and lap up the fun. Sail On Find a sport on the water that uses your muscles. Downtown Walking Tour The must-dos of downtown. View More » Driving Directions 1. Enter starting address: Address: City: State: Postal Code: 2. Enter destination address: Address: City: State: Postal Code: Options Display type: Text Turn by turn maps with text Avoid the following: Limited access highways Toll Ferry lanes Find A Different Location Enter Location Address: Address: City: State: Postal Code: About Us | Advertise with Us | Contact Us | Press Center | Site Guide | List Your Business on Citysearch | Become an Affiliate | Job Opportunities | Other Cities | Get a Business Website | Submit an Event | Privacy Policy | Terms of Use | Austin Yellow Pages Citysearch is a registered trademark of 720619 Ontario Inc. and is used under license (C) 2005 Citysearch.com All rights reserved. partner sites: Evite - Entertainment.com - Gifts.com - TripAdvisor - ServiceMagic - Ticketmaster - Expedia - Hotels.com - Hotwire - HSN - LendingTree - Match.com - RealEstate.com - ReserveAmerica - Zerodegrees - CondoSaver - ClassicVacations - Ballard Designs - Frontgate - Garnet Hill - Smith+Noble - The Territory Ahead - Travel Smith

home equity. Why? Certain

Home Equity Scams: Borrowers Beware! Home Equity Loans : Borrowers Beware! D o you own your home? If so, it's likely to be your greatest single asset. Unfortunately, if you agree to a loan that's based on the equity you have in your home, you may be putting your most valuable asset at risk. Homeowners-particularly elderly, minority and those with low incomes or poor credit-should be careful when borrowing money based on their home equity. Why? Certain abusive or exploitative lenders target these borrowers, who unwittingly may be putting their home on the line. Abusive lending practices range from equity stripping and loan flipping to hiding loan terms and packing a loan with extra charges. The Federal Trade Commission urges you to be aware of these loan practices to avoid losing your home. The Practices Equity Stripping You need money. You don't have much income coming in each month. You have built up equity in your home. A lender tells you that you could get a loan, even though you know your income is just not enough to keep up with the monthly payments. The lender encourages you to "pad" your income on your application form to help get the loan approved. This lender may be out to steal the equity you have built up in your home. The lender doesn't care if you can't keep up with the monthly payments. As soon as you don't, the lender will foreclose-taking your home and stripping you of the equity you have spent years building. If you take out a loan but don't have enough income to make the monthly payments, you are being set up. You probably will lose your home. Hidden Loan Terms: The Balloon Payment You've fallen behind in your mortgage payments and may face foreclosure. Another lender offers to save you from foreclosure by refinancing your mortgage and lowering your monthly payments. Look carefully at the loan terms. The payments may be lower because the lender is offering a loan on which you repay only the interest each month. At the end of the loan term, the principal-that is, the entire amount that you borrowed-is due in one lump sum called a balloon payment. If you can't make the balloon payment or refinance, you face foreclosure and the loss of your home. Loan Flipping Suppose you've had your mortgage for years. The interest rate is low and the monthly payments fit nicely into your budget, but you could use some extra money. A lender calls to talk about refinancing, and using the availability of extra cash as bait, claims it's time the equity in your home started "working" for you. You agree to refinance your loan. After you've made a few payments on the loan, the lender calls to offer you a bigger loan for, say, a vacation. If you accept the offer, the lender refinances your original loan and then lends you additional money. In this practice-often called "flipping"-the lender charges you high points and fees each time you refinance, and may increase your interest rate as well. If the loan has a prepayment penalty, you will have to pay that penalty each time you take out a new loan. You now have some extra money and a lot more debt, stretched out over a longer time. The extra cash you receive may be less than the additional costs and fees you were charged for the refinancing. And what's worse, you are now paying interest on those extra fees charged in each refinancing. Long story short? With each refinancing, you've increased your debt and probably are paying a very high price for some extra cash. After a while, if you get in over your head and can't pay, you could lose your home. The "Home Improvement" Loan A contractor calls or knocks on your door and offers to install a new roof or remodel your kitchen at a price that sounds reasonable. You tell him you're interested, but can't afford it. He tells you it's no problem-he can arrange financing through a lender he knows. You agree to the project, and the contractor begins work. At some point after the contractor begins, you are asked to sign a lot of papers. The papers may be blank or the lender may rush you to sign before you have time to read what you've been given. The contractor threatens to leave the work on your house unfinished if you don't sign. You sign the papers. Only later, you realize that the papers you signed are a home equity loan. The interest rate, points and fees seem very high. To make matters worse, the work on your home isn't done right or hasn't been completed, and the contractor, who may have been paid by the lender, has little interest in completing the work to your satisfaction. Credit Insurance Packing You've just agreed to a mortgage on terms you think you can afford. At closing, the lender gives you papers to sign that include charges for credit insurance or other "benefits" that you did not ask for and do not want. The lender hopes you don't notice this, and that you just sign the loan papers where you are asked to sign. The lender doesn't explain exactly how much extra money this will cost you each month on your loan. If you do notice, you're afraid that if you ask questions or object, you might not get the loan. The lender may tell you that this insurance comes with the loan, making you think that it comes at no additional cost. Or, if you object, the lender may even tell you that if you want the loan without the insurance, the loan papers will have to be rewritten, that it could take several days, and that the manager may reconsider the loan altogether. If you agree to buy the insurance, you really are paying extra for the loan by buying a product you may not want or need. Mortgage Servicing Abuses After you get a mortgage, you receive a letter from your lender saying that your monthly payments will be higher than you expected. The lender says that your payments include escrow for taxes and insurance even though you arranged to pay those items yourself with the lender's okay. Later, a message from the lender says you are being charged late fees. But you know your payments were on time. Or, you may receive a message saying that you failed to maintain required property insurance and the lender is buying more costly insurance at your expense. Other charges that you don't understand-like legal fees-are added to the amount you owe, increasing your monthly payments or the amount you owe at the end of the loan term. The lender doesn't provide you with an accurate or complete account of these charges. You ask for a payoff statement to refinance with another lender and receive a statement that's inaccurate or incomplete. The lender's actions make it almost impossible to determine how much you've paid or how much you owe. You may pay more than you owe. Signing Over Your Deed If you are having trouble paying your mortgage and the lender has threatened to foreclose and take your home, you may feel desperate. Another "lender" may contact you with an offer to help you find new financing. Before he can help you, he asks you to deed your property to him, claiming that it's a temporary measure to prevent foreclosure. The promised refinancing that would let you save your home never comes through. Once the lender has the deed to your property, he starts to treat it as his own. He may borrow against it (for his benefit, not yours) or even sell it to someone else. Because you don't own the home any more, you won't get any money when the property is sold. The lender will treat you as a tenant and your mortgage payments as rent. If your "rent" payments are late, you can be evicted from your home. Protecting Yourself You can protect yourself against losing your home to inappropriate lending practices. Here's how: Don't: Agree to a home equity loan if you don't have enough income to make the monthly payments. Sign any document you haven't read or any document that has blank spaces to be filled in after you sign. Let anyone pressure you into signing any document. Agree to a loan that includes credit insurance or extra products you don't want. Let the promise of extra cash or lower monthly payments get in the way of your good judgment about whether the cost you will pay for the loan is really worth it. Deed your property to anyone. First consult an attorney, a knowledgeable family member, or someone else you trust. Do: Ask specifically if credit insurance is required as a condition of the loan. If it isn't, and a charge is included in your loan and you don't want the insurance, ask that the charge be removed from the loan documents. If you want the added security of credit insurance, shop around for the best rates. Keep careful records of what you've paid, including billing statements and canceled checks. Challenge any charge you think is inaccurate. Check contractors' references when it is time to have work done in your home. Get more than one estimate. Read all items carefully. If you need an explanation of any terms or conditions, talk to someone you can trust, such as a knowledgeable family member or an attorney. Consider all the costs of financing before you agree to a loan. For More Information 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. FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP www.ftc.gov April 1998

DENVER REAL ESTATE Direct:

Denver Real Estate Agent specializing in Highlands Ranch Real Estate, Littleton Real Estate LEILA CUNNINGHAM DENVER REAL ESTATE Direct: 303.257.1001 Fax: 303.470.5722 E-Mail: leila@anewwayhome.com Welcome Property Search Buying & Selling Mortgages Community Extras Contact Me Welcome to a New Way Home in the Denver Real Estate Market! The real estate process is always more enjoyable when you fully understand each phase of the transaction. As your Denver real estate agent, I will keep you informed and up to date throughout the process. My technique is based on solid, proven methods and utilizes technology to meet new challenges in today's market. My experience offers a sophisticated approach to analyzing your needs. I am a full-time Denver real estate agent dedicated to providing the best possible service to my clients, while upholding the highest ethical standards. I believe in constant communication and protecting your best interests throughout all phases of your real estate transaction. My excellent follow-through record helps ensure ongoing satisfaction. I am proud of myself being knowledgeable and staying current with changes in the Denver real estate market and other markets that will affect the success of your transaction. I believe that a good relationship is achieved by establishing trust and mutual respect between all participants. My approach is honest and straightforward. I am committed to excellence and to providing professional, result-driven service. In the meantime, feel free to look around my site. Search for a new Denver home, gain valuable real estate buying and selling knowledge, learn about mortgages, request a free CMA or Denver relocation information, and when your ready to take that next step, give me a call. Thank you! Real Estate News November 2005 NAR Welcomes Sen. Enzi's Small Business Health Care Bill The National Association of Realtors today welcomed legislation put forth by U.S. Senate Health, Education, Labor and Pensions (HELP) Committee Chairman Mike Enzi (R-Wyo.) to help small businesses provide affordable health care benefits to their employee Pending Home Sales Are Close to Record A reading of 128.8 makes this month's pending home sales the the second highest level on record. October 2005 NAR Board Raises Alarms Over Tax Proposals NAR's Board of Directors formally opposes proposals being considered by President Bush's tax reform panel. REALTORS Back State, Local Remedy to Eminent Domain Cases Almost 70 percent of REALTORS said each state should have the power to make its own laws about eminent domain. Realtors to Homebuyers: Let Your Buyer's Agent Be Your Guide From the first steps of qualifying for a mortgage and deciding whats important in a home, to making a strong offer, coordinating appraisals and inspections, and getting to the settlement table, every transaction is as unique as the people and properties Features Colorado Properties Current Denver Listings Resale Denver Home Search New Denver Home Search Real Estate Services Get a Free CMA Relocating to Denver Denver Home Buying Selling a Denver House 1st Time Buyers Send Me an E-Mail School Information Colorado Recreation Denver Entertainment Related Links Denver Area Weather Financing Check Current Rates Learn Mortgage Basics Loan Types Loan Calculators Find a Denver Lender Featured Listings $199,000 Mortgage Rates Loan Type Rate Points 30 Year Fixed 6.00 0.00 15 Year Fixed 5.62 0.50 ARM 3/1, 30 Years 5.25 0.00 ARM 5/1, 30 Years 5.50 0.25 Last updated on 11/13/2005. Home | Denver Existing Home Search | Denver New Home Search | Buying | Selling | Buying Your First Home | Mortgage Basics | Loan Types | Loan Calculators | Mortgage Lenders | Schools in Colorado | Colorado Recreation | Local Denver Entertainment | Denver Weather | Map the Denver Metro Area | New Home Builders | Relocating to Denver | Frequently Asked Questions | Related Real Estate Links | Contact Leila | Estimate the Value of Your Denver Home | Colorado Real Estate

Property Listing

Commercial Real Estate Properties and Brokers Commercial Real Estate Listings & News Home Search Advertise News Customer Service CityfeetSpaces -- Thursday, December 29, 2005 Commercial Real Estate Advertising Reach thousands of tenants, buyers and brokers in your market. Appear on Yahoo!, NYTimes.com & over 50 partner websites Outstanding value, takes only minutes to post. Post Commercial Property for Lease Post Commercial Property for Sale Post an Executive Suite Post a Business For Sale Become a Featured Broker More reasons to use Cityfeet Testimonials FAQs More Questions? Call us at 1-866-527-0540 or Email Us "We have been impressed with the amount of hard work and dedication Cityfeet.com has put into creating maximum coverage for their clients." Stasi Martin Lofts Unlimited San Francisco, CA More reasons to use Cityfeet Testimonials FAQs More Questions? Call us at 1-866-527-0540 or Email Us Username Password forgot login info? DID YOU KNOW... Since 1999, over 10,000 companies have marketed their properties on Cityfeet. View testimonials DID YOU KNOW... Cityfeet powers the commercial real estate of Yahoo! and over 50 major US newspapers . ©2004 Cityfeet.com - All Rights Reserved Home | Search | Advertise | Customer Service | About Us | Privacy Statement | Site Map Find Commercial Real Estate Listings - Cityfeet.com Company Overview : Cityfeet is the leading online commercial real estate network, connecting commercial real estate property owners and brokers to tenants, brokers and investors. Cityfeet offers commercial real estate products and services catering to the national and local needs of the commercial real estate industry . Cityfeet specializes in all commercial real estate property categories including office space, executive suites, commercial land, industrial property, retail space and businesses for sale. Cityfeet is the #1 source of free commercial real estate information for commercial real estate professionals and powers the commercial real estate area of many of the countries most popular websites including Yahoo! Realestate.com and The New York Times. ( See all partners ) Commercial Real Estate for Lease | Commercial Real Estate for Sale | Executive Suites | Businesses for Sale | Commercial Real Estate Broker Directory | Cityfeet Local