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Mortgage Home Mortgages loans Refinance Mortgage! Home Sell a Home Buy a Home Services Mortgages City Profiles Appraisals -- -- Discount Mortgages Select one of the options below to get started on a loan, or to speak with a live loan officer Please call 1-800-516-5524 . Home Purchase Qualify for more...before Interest rates rise! Unbiased help and advice, approval in minutes. * Home purchase * Get preapproved * Credit problems? No Money Down Mortgage Financing We have a mortgage for you! or Refinance Mortgage Even if you refinanced recently, only a 1/2% drop in your rate can save you thousands. * Search current mortgage rates * Home equity loans * Credit problems? Home Equity & Debt Consolidation Loans Home equity loans for any reason, home improvements, purchase a car, college tuition and other expenses. Consolidation loans to reduce your monthly expenses, consolidate all of your bills into one low payment. No appraisal. Mobile notary. Guarantee lowest cost. * Instant Approvals * 125% loans Local Service Providers Our Local Service Provider Search empowers you to make an informed mortgage decision. Our Mortgage partners have helped our users save thousands! Please type in your zip code to find a local provider nearest you. Zip Code: -- Mortgage Calculators Mortgage Loan Calculator Mortgage Qualifier Refinance Breakeven Refinance Interest Savings 15 Year vs. 30 Year Mortgage Mortgage Tax Savings Calculator Amortizing Loan Calculator Loan Comparison Calculator Debt Consolidation Calculator Rent vs. Buy Calculator Privacy & Disclaimer Partner With Us Career Opportunities Press Room Contact Us © 1997-2003 For Sale By Owner.com Site Map Home
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Real Estate - Forbes.com U.S. | EUROPE | ASIA Jump Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special Reports Video & Audio Watchlist IT Research Library IT Product & Service Search Business -Manufacturing -Technology -Commerce -Services -Energy -Healthcare -Small Business Technology -E-Business -Enterprise Tech -Infoimaging -Personal Tech -Science & Medicine -Wireless Markets -Equities -Economy -Commodities -Bonds -Emerging Markets -Currencies Work -Careers -Compensation -Entrepreneurs -Management Lists -Companies --Forbes 500s --Forbes Global 500 --200 Best Small Cos. --400 Best Big Cos. --Largest Private Cos. -People --World's Richest People --100 Top Celebrities --400 Richest Americans --Best Paid CEOs -Places --Best Places Personal Finance -Estate Planning -Funds -Philanthropy -Retirement -Strategies -Taxes Lifestyle -Collecting -Health -Real Estate -Sport -Travel -Vehicles -Wine & Food Columnists Magazines -Forbes Magazine -Forbes Global -Forbes FYI -Forbes ASAP -Best of the Web -Archives -Subscriptions Tools About Us Contact Us Help Reprints/Permissions Sitemap Advertising Conferences Forbes Collection Forbes Mobile Special Advertising Search Quote HOME PAGE FOR THE WORLD'S BUSINESS LEADERS Home Special Advertising Section Paid Advertisement Article When it comes to Real Estate, Knowing Your Stuff is the Key to Success Are you looking to buy or sell a home or other piece of property? The real estate market is a difficult one, and should not be entered casually. With the right information, you can make your venture a success, but all to often lack of foresight and failure to do the proper exploration leave consumers in unfortunate situations that are difficult to rectify. An educated consumer is a happy consumer, and in no market is this truer than the property market. Before you commit, learn as much as you can – whether you’re buying or selling, you’ll never regret doing a little extra research. Real Estate Basics To begin with the basics, let’s consider a few definitions. “Real Property” is legally defined as “land and improvements permanently attached to the land.” Improvements include everything from houses and garages to in-ground swimming pools, but exclude portable items like mobile homes and tool sheds. Also included in real property are substances beneath the land, such as gas, minerals and oil. There are many types of real estate, but most consumers will encounter only two: single-family homes and commercial property. Commercial property may include spaces used for retail, office, shopping, hotels, warehouses, manufacturing facilities, apartment complexes, as well as vacant land zoned to be used for any of those purposes. Aside from specialty properties like farms and industrial sites, almost any property to be used for anything besides a single-family homes is considered commercial. Different rules govern transactions involving each kind of property, and it’s important to know what you will encounter before you get started. The use of any property is limited by zoning laws, which govern the purpose – for example, housing, retail, or industrial – for which the real estate can be used. Zoning laws also restrict the size and height of buildings, the portion of property that may be used for parking, how far buildings must be set from the street and from each other, and whether and what kind of hazardous materials can be stored there. Public easement and right of way laws, which fall into the general category of zoning, outline whether and which parts of private property must be reserved for public use, usually in the form of sidewalks, electrical lines, sewer pipes, fire hydrants and similar public goods. Laws differ from town to town, so if you are looking at multiple locations, keep track of how each municipality’s rules will affect how you can use your property. Choosing a Real Estate Professional Although some people prefer to work on their own, it is usually good to hire a licensed real estate professional if you are looking to buy or sell a house. You may choose between a real estate broker, who is independently licensed to review the entire market and show any house that suits your needs, and a real estate agent who works for a specific company and is usually restricted to showing properties in that company’s listings. Which one you choose will depend on your needs, budget, and the number of real estate companies competing in your area. If there are a large number of companies, you may do better with a broker, but if there are only a few, you can save money by using an agent. No matter what type of professional you choose, there are a few things you should consider before making your decision. How does the agent or broker intend to market your house? How successful has he been in the past, particularly with homes in your range and area? If he is an agent, what is his company’s track record? What is the time limit on the contract you will sign, and can you break it if you’re dissatisfied? Do you feel comfortable that he understands your needs and will work hard to meet them? Recall that, above all, real estate agents are salespeople, so be sure that you are confident that they are working with you as well as for their employers. A great way to narrow down choices is to check the Internet for websites that compare companies and agents in your area. You may also want to talk with friends who have recently moved about their experiences with local agents and brokers. Buying and Selling: What You Need to Know When you are in the market to buy, your individual situation will determine whether or not to hire a professional. You may find that you can do well enough finding suitable listings without the help of an agent. However, if you live in a city where good housing is scarce, you may want to engage someone to help you discern the good from the bad. Real estate agents can also be very helpful when it’s time to close the deal, sorting out what items are included with the house (for example, appliances and furnishings) and working with the seller to divide costs fairly. Although it is possible to sell your home without professional help, but this should be attempted with great caution. A real estate professional will help sort through potential buyers to find people who are serious, work with to get a fair price for your property, and be indispensable at closing time when it comes to dividing up property taxes and other shared costs. In general, as a seller, you should expect to run up against a number of expenses when you close on your house. These may include excise tax (a tax levied on the seller of any property or item), attorney and professional fees, property taxes, real estate commission, and fees for survey, inspection, certification and other items, depending on the laws of the state in which the house is sold. Commercial Property: Buying and Selling If you are looking to buy or sell commercial property, your best bet is to engage a real estate attorney who can advise you on legal matters involving the transfer. As with home purchases, it’s important to have the property inspected thoroughly before committing to buy. You will also want to ensure that zoning laws permit you to renovated buildings to suit your needs – for example, buildings that are zoned as small retail outlets may not always be turned into restaurants; warehouses may not necessarily be converted to apartment complexes. Real estate lawyers will make sure that you know as much as possible about your property before you buy. Do Your Homework Youll be Amazed at the Difference it Makes! The best way to be successful in any real estate transaction is to come in with your eyes open. Listed below or some top real estate websites that can help you find what you're looking for today: HomeGain: Selling Your Home? - Let local real estate agents know about the home you'd like to sell so they can address your specific needs. They will send you customized responses including their credentials, business experience, and commission rates to compete for your business. HomeGain: Buying A Home? - Let local real estate agents know about the home you'd like to buy so they can address your specific needs. They will send you customized responses including their credentials, business experience, and local market knowledge to compete for your business. Foreclosure Search: Simple Real Estate Secrets - Search foreclosures in the USA. Includes bank foreclosures, court foreclosures, pre-foreclosures, homeowners in bankruptcy, HUD homes, VA homes, government homes & more! Make Real Money Investing In Real Estate - Lou Vukas gives you the insider secrets to making real money in real estate regardless of your credit, finances or location. ^ Paid Advertisement Article ^ Ad Information Forbes.com Wireless Reprints / Permissions Subscriber Services ©2004 Forbes.com™ All Rights Reserved Privacy Statement Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.
Investment Property Mortgages Reach
Freddie Mac: Investment Property Mortgages Search In order to browse this site effectively, please enable Javascript in your browser. Investment Property Mortgages Reach Your Investment-Oriented Borrowers and Reap the Rewards of Cross-Selling Additional Services Want to expand your investment property mortgage business? As part of our Single-Family Seller/Servicer Guide (Guide), you can extend more options to your investment-oriented borrowers by originating 1- to 4-unit investment property mortgages and selling them to Freddie Mac. Originating mortgages for investment borrowers allows you to tap an abundant market and boost your business with cross-sell opportunities for your other financial products. Freddie Mac offers loan options for investment property mortgage originations. You can originate these mortgages as fixed-rate mortgages, Treasury-indexed ARMs, and others. Our flexible execution options include Cash and Guarantor. Use Loan Prospector ® to quickly and easily approve your investment property borrowers. Freddie Mac will purchase investment property mortgages for borrowers who own up to 10 financed properties, however, those who own more than one financed property will need to meet additional requirements. Executions Gold Cash® Guarantor MultiLender Swap Key Advantages 1- to 4-unit investment properties LTV/TLTV/HTLTV ratios per Guide Section 23.4 Purchase, no cash-out and cash-out refinances Additional eligibility requirements apply for borrowers who own more than one investment property Eligible for Cash and Guarantor executions Eligible Mortgages If the subject property is the borrower's only financed investment property: 15-, 20- and 30-year fixed-rate mortgages 5- and 7-year balloon/reset mortgages All ARMs A-minus mortgages If the borrower owns more than one financed investment property: 15-, 20- and 30-year fixed-rate mortgages 7/1 or 10/1 Treasury-indexed Hybrid ARM only The following mortgages are not eligible for delivery as investment property mortgages Mortgages with temporary subsidy buydowns Streamlined Purchase for Homeowners mortgages Alt 97® mortgages Freddie Mac 100 mortgages Affordable Merit Rate® mortgages Streamlined Refinance mortgages Affordable Gold® mortgages Seller-Owned Modified Mortgages A-minus mortgages, when the borrower owns more than one financed investment property Eligibility Requirements LTV/TLTV/HTLTV ratios per Guide Section 23.4. If the LTV ratio is greater than 75 percent, the mortgage must be an Accept or A-minus mortgage or, if manually underwritten, must have a minimum Indicator Score of 720. For More Information Contact your Freddie Mac Account Manager Call (800) FREDDIE Refer to Section 22.22.1 of your Single-Family Seller/Servicer Guide For further details about this product, print out an Investment Property Mortgages fact sheet [ PDF 191K ] © 2005 Freddie Mac Doing Business With Freddie Mac Single-Family Multifamily Debt Securities Mortgage Securities Vendors and Suppliers About Freddie Mac About Us Public Policy News and Information Investor Relations Careers Buying and Owning a Home Preparing for Homeownership All About Mortgages Purchasing a Home Owning and Keeping a Home Calculators and Tools Properties for Sale
Home Equity Options About
Union Bank of California's home equity options help you to consolidate debt and fund many of your life's goals. " Union Bank of California - Home Equity Options About Union Bank | Contact Us | Locate Us | Privacy & Security | Accessibility | Sitemap Entire Site Personal Wealth Management Small Business Commercial About Union Bank Home Equity Options Products and Services Info Bank/Pay Bills & Invest Online Checking Accounts IRAs & Retirement Savings Insurance Investments & Brokerage Loans & Credit Cards Auto & Other Loans Credit Cards Home Loans Home Equity Options Apply Online FAQ - Home Equity Options Home Equity Line of Credit Home Equity Loans Second Property Loans & Lines of Credit Personal Loans Online Finance Applications Savings Accounts Trust & Investment Management How Do I...? Borrow Money Choose a Checking Account Choose Insurance Manage Wealth Plan for Retirement Save & Invest View & Print Forms Send Money Fast Worldwide Fund your life's ambitions with Union Bank of California's home equity account. Whether you plan to consolidate high interest rate debt, finance your child's education, or start a remodeling project, Union Bank provides you with the right resources to realize your dreams and goals. Choose a Home Equity Option Home Equity Line of Credit -- Our flagship FlexEquity(SM) account blends the best features of an equity line and a loan. Apply now for a home equity line of credit. Basic Home Equity Loan -- A traditional loan offering affordable rates and dependable payments. Second property loans and lines of credit -- Products to help you tap into the equity in the other properties you own. Apply now for a loan or line on your second property. Return to your saved application. Finish Applying This is not a commitment to lend. Loans subject to credit and property approval. Financing available for properties located in California, Oregon, or Washington. Terms and conditions subject to change. © 2005 Union Bank of California, N.A. All rights reserved. Member FDIC. Equal Housing Lender Apply online or call 1-866-UB-LOANS Looking for financing tailored to your needs? You'll find it in our three exceptional relationship banking programs Read About the Differences Read more about the differences between our home equity choices in the FAQ Home Equity Options Related Information - Home Loans - Auto & Other Loans - Personal Loans
Property Search
Welcome to Nassau County Assessor Land Record Viewer Department Home Property Search Map Land Use Codes Welcome Letter Terms You Should Know Help Nassau County Department of Assessment's Land Records Viewer. As part of my ongoing effort to improve the delivery of services to the public, I am happy to make this tool available. It provides a single, easy to use, point of access to almost all information maintained by the Assessor including assessment roll data, district information, tax maps, property photographs, past taxes, tax rates, exemptions with amounts and comparable sales. It is also linked to the County's Geographic Information System (GIS) to provide relevant information from that system. This viewer contains a set of property maps of every parcel within the County of Nassau. I welcome your comments and input about this product in order to further improve our delivery of services to the public. This document management site has been designed for use as a search tool. For your convenience, copies of tax maps can be purchased at the Tax Map Division window from 9 a.m. to 4:30 p.m. HARVEY B. LEVINSON Chairman, Board of Assessors The public information contained herein is furnished as a public service by Nassau County. Nassau County makes no warranties, expressed or implied, concerning the accuracy, completeness, reliability, or suitability for the use of this information. Furthermore, Nassau County assumes no liability associated with the use or misuse of such information. Revision Code 3.01 Harvey B. Levinson Chairman News Nassau County Department of Assessment