real estate broker license.

California Department of Real Estate: FAQs - Mortgage Loan Brokering in California California Home DRE Home Contact Us What's new About DRE Careers at DRE DRE Records Consumers Escrow Violations eLicensing Examinees Licensees Subdivisions Real Estate Law Regulations Publications Forms FAQs Links Index Department of Real Estate My CA FAQs: Mortgage Loan Brokering in California indicates an item is in Portable Document Format (PDF). You will need Adobe Reader (or an Adobe Acrobat product) to view it. Click on the icon below to download a free copy of Adobe Reader. Click here for information about using Adobe Reader. Provided below are answers to some of the most frequently asked questions regarding licensing and other related issues for those who are interested in some aspect of the mortgage business in California. Questions come from both licensees and non-licensees from other states and California expressing an interest in California licensing requirements to engage in mortgage activity. The following questions and answers are intended to answer many, but by no means all, of these inquiries from the standpoint of the Department of Real Estate requirements. Q . - As a mortgage broker in Kansas (or any other state), my plan is to move to California and pursue this same business. Does California issue mortgage broker licenses and is there any reciprocity in licensing with other states? A . - California does not issue a "mortgage broker" license. A majority of those engaged in mortgage loan brokering do so with a real estate broker license. To the surprise of some, the license that allows the listing and sale of real property (the traditional activities associated with a real estate broker license) is the same license that allows the solicitation of borrowers or lenders, the negotiation of loans secured by real property and the collection of payments on notes secured by real property. For further details concerning the definition of licensed activity, review Business and Professions Code Sections 10130 and 10131. It should be noted there are other licenses that allow mortgage loan brokering under a limited set of circumstances, such as the California finance license and the residential mortgage lending license. For information about these licenses contact the California Department of Corporations. (See addresses at end of pamphlet.) California does not have reciprocity with any other state as far as a real estate license is concerned. Information regarding obtaining either an individual or corporation real estate broker license is explained in Instructions to License Applicants . Q . - As a mortgage broker working outside of California, I occasionally have clients who are moving to California and have asked me to broker a loan for them to be secured by their new home. Although I am not licensed in California, can I broker a loan secured by California real estate? Does California have a rule that allows me to broker a small number of loans in California before I would have to be licensed? A . - No. To broker even one loan in California you need to be licensed here. However, California Real Estate Law does allow a California broker to share a commission with a broker from another state. Therefore, it may be possible to co-broker the loan with a licensed California broker. Q . - I am a licensed California real estate broker and I specialize in the sale of real property, primarily residential homes. I would like to branch out and engage in mortgage brokering. What additional licensing must be obtained? A . - As a licensed real estate broker, you may engage in mortgage brokering without any additional license. A real estate broker may engage in a variety of real estate related activities including residential home sales, mortgage brokerage, and property management, among others. You may, however, wish to consult with the Department of Housing and Urban Development to determine their rules regarding real estate sales and the arranging of FHA loans. Additionally, if you represent a buyer or seller in a real estate transaction, and will also be compensated for obtaining the loan for the buyer, Commissioners Regulation 2904 requires you to disclose, to all parties in the transaction, the form, amount, and source of the compensation received or expected for the loan. Go to Top of Page Q . - Another broker told me that the kind and volume of mortgage brokerage activity I engage in makes me a "threshold" broker. What does that mean? A . - Determining whether a broker meets the "threshold" criteria takes a careful reading of Section 10232 of the Business and Professions Code. Generally, the criteria is met by brokers who arrange, sell, or service "private investor" or "private lender" loans, sometimes referred to as "hard money" loans. The "threshold" criteria is satisfied by negotiating 10 or more loans or sales of notes or real property sales contracts in any 12-month period in an aggregate amount of more than $1,000,000 (all of which were funded or purchased by private investors or small pension trusts). A broker can also meet the "threshold" criteria by servicing loans on behalf of investors or on behalf of obligors. If the aggregate amount of payments collected is $250,000 in any 12-month period, the "threshold" criteria has been met. Included in the $250,000 aggregate is any amount the broker collects on loan payoffs. Brokers who collect payments on behalf of obligors are typically those who collect payments from homeowners on a bi-weekly mortgage payment plan. Within 30 days of meeting the "threshold" criteria, a broker is required to submit a Threshold Notification (RE 853)   to the Department. The notification form is available at any DRE office or may be downloaded from the DRE Web site at http://www.dre.ca.gov . Q . - Once Ive submitted a Threshold Notification (RE 853) to the Department advising of my "threshold status," what happens next? A . - After receipt of the "threshold" notification, the Department sends the broker information and necessary documents for required quarterly and annual reporting to the Department and adds the broker to the "threshold" list. The Department then tracks and records each required report from the broker. Q . - What kind of reporting requirements are necessary if I satisfy the "threshold" criteria? A . - "Threshold" brokers make quarterly and annual reports to the Department on their trust fund bank accounts and an annual report on their business activities. Except for the annual trust fund report (which is done by a public accountant per instructions from the Department), the Department provides the necessary forms for the quarterly trust account and annual business activity reports. These are provided to the broker upon receipt of the "threshold" notification form. Go to Top of Page Q . - I am a broker who arranges loans for, and sells notes to, private investors and small pension trusts. May I also borrow personally from any of these investors? A . - Yes. However, these "self-dealing" loans are highly scrutinized and require notice to DRE before the transaction is completed. Before a broker, or salesperson acting on behalf of a broker, solicits and accepts funds for the direct or indirect use or benefit of the broker, the broker must submit to DRE a true copy of the Lender/Purchaser Disclosure Statement prior to obtaining the signature of the investor/purchaser. The Lender/Purchaser Disclosure Statement must be accompanied by the brokers statement that the submittal is being made pursuant to Business and Professions Code Section 10231.2. While the broker need not wait for DREs approval of the transaction, the Lender/Purchaser Disclosure Statement must be presented to the investor/lender not less than 24 hours prior to that person becoming obligated to make the loan or purchase the note. The Lender/Purchaser Disclosure Statement must also give a detailed explanation of the intended use of the funds, including an explanation of the nature and extent of the benefits to be derived directly or indirectly by the broker. It is very important to understand that "self-dealing" is not permitted in multiple investor (fractionalized) transactions except under the limited circumstances set forth in Business and Professions Code Section 10229(d)(1). Q . - When engaged in mortgage loan brokering, are there any special trust fund record keeping requirements? A . - Yes. In addition to the trust fund record keeping requirements of the Business and Professions Code that apply to all real estate brokers, mortgage brokers must also maintain quarterly trust fund reconciliations of their trust account on special forms available from the Department. These forms are completed, maintained in the brokers office, and made available upon request to a Department representative for review. The quarterly reconciliation forms are, Trust Fund Status Report ( RE 855)   and Trust Fund Bank Account Reconciliation (RE 856)   . Q . - Are there specific disclosure statements that must be used by a real estate broker in the mortgage business? A . - Every real estate broker who negotiates a loan to be secured directly or collaterally by a lien on real property shall, within three business days after receipt of a completed written loan application or before the borrower becomes obligated on the note, whichever is earlier, cause to be delivered to the borrower a statement in writing (borrowers disclosure statement), containing all the salient features of the loan to be negotiated by the broker. The statement must be personally signed by the borrower and by the real estate broker negotiating the loan or by a real estate licensee acting for the broker in negotiating the loan. When so executed, an exact copy thereof shall be delivered to the borrower at the time of its execution. A federal Good Faith Estimate (GFE) may also be required in a loan transaction under the Real Estate Settlement Procedures Act (RESPA). The GFE may contain some similar disclosures but it cannot, without modification pursuant to Business and Professions Code Section 10240(c), be a substitute for the disclosure statement required by state law. The state disclosure statement is called the Mortgage Loan Disclosure Statement (MLDS). If a GFE is necessary in the loan transaction, the Department has available a Mortgage Loan Disclosure Statement/Good Faith Estimate (MLDS/GFE). The MLDS/GFE satisfies the state disclosure requirement and the federal GFE requirement. In addition to a disclosure statement for the borrower in a loan transaction, there are lender disclosure statements that a broker may be required to use. Unlike the MLDS or MLDS/GFE which must be provided to a borrower in virtually every loan transaction, the disclosure statement for a lender/investor is limited to private and small pension trust lenders/investors. Lenders/investors such as banks, savings and loan associations, credit unions, and a variety of others need not receive the lender/investor disclosure statement which is called the Lender/Purchaser Disclosure Statement (LPDS). Every real estate broker, in making a solicitation to a private investor and in negotiating with that investor to make a loan secured by real property or to purchase a real property sales contract or a note secured by a deed of trust, is required to deliver to the investor solicited the applicable completed statement as early as practicable before he or she becomes obligated to purchase or make the loan. The statement shall be signed by the prospective lender or purchaser and by the real estate broker, or by a real estate salesperson licensed to the broker, on the brokers behalf. When so executed, an exact copy shall be given to the prospective lender or purchaser. The Department has available three versions of the LPDS, depending on the type of transaction. There are statements for loan origination, sale of an existing note and one for a collateralized loan. Please note that collateralized loans are not permitted in multi-lender transactions. Go to Top of Page Q . - Are there specific rules or laws that pertain to advertising by real estate brokers engaging in mortgage activity? A . - Yes. The law states, in part, that: "No real estate licensee shall knowingly advertise, print, display, publish, distribute, telecast or broadcast, or cause or permit to be advertised, printed, displayed, published, distributed, televised or broadcast, in any manner any statement or representation with regard to the rates, terms, or conditions for making, purchasing or negotiating loans or real property sales contracts which is false, misleading or deceptive." To assist licensees in complying with the law, Commissioners Regulation 2848 sets forth sixteen (16) subsections of "donts" of mortgage loan advertising. Q . - What about those who advertise from outside of California via the Internet? A . - Advertising real estate services on the Internet, including mortgage loan services, is considered solicitation of a California resident when read by a resident of California. Either the out-of-state advertiser on the Internet must be properly licensed in California or the ad must contain a disclaimer to the effect that the ad is not valid in California. The Department has prepared information regarding Internet advertising which is available from any Department district office and is partially reproduced here: Internet Advertising These guidelines have been prepared by the California Department of Real Estate to assist real estate brokers and businesses that are not licensed in California who are considering advertising real estate services on the Internet. If you are not properly licensed in California, you may not solicit California residents. To do so would be considered conducting activity for which a real estate license is required. Because the Internet can be read by anyone in any location, advertising your services on the Internet would be considered soliciting a California resident when read by a resident of this state. If you conduct activity which requires a California real estate license, but you are not a California licensee, you could be subject to administrative sanction such as a Desist and Refrain Order. If you are now conducting, or plan to conduct, the above activity in California, you need to apply for a real estate broker license . If you dont plan to become licensed in California, you should make sure your Internet advertising contains a disclaimer such as the following: "Notice: This offer is valid only in State 1, State 2..." (states wherein you are licensed or authorized to do business). If you are licensed in numerous states, you may want the disclaimer to read: "Notice: This offer is not valid in State 1, State 2..." (states in which you are not licensed or authorized to do business). Q . - Are there some advertising violations that are more often encountered than others? Yes. Some of the more common advertising violations are: Using terms in a comparative or superlative degree to describe any aspect of the business or any terms applicable to loans negotiated by the broker, without setting forth in the ad additional information to render the superlative or comparative terms unambiguous in the context in which they are used. For example, a broker who advertises "FAST LOANS" must also set forth in the ad how "fast is fast" (e.g. "most loans closed in 90 days from application"). A broker who advertises "LOW RATES" should also set forth in the ad what rates are available so that the term "LOW" is actually defined. It should be noted that the Department may require the broker to substantiate any claims made in an ad or require additional qualifiers in the ad to ensure the ad is not misleading to the public. Advertising a specific payment for a loan without including in the ad an equally prominent disclosure of the loans interest rate, APR, principal amount, number, amount and period of payments scheduled to maturity and the balance due at maturity if not a fully amortized loan. Advertising an interest rate without disclosing whether the rate is for first mortgages, junior loans or both. Advertising a loan program with special qualifying restrictions or special requirements without setting forth those requirements or restrictions in the ad. Advertising an interest rate without an equally prominent disclosure of the APR. It should be noted that if a rate appears in an ad without an APR, a disclosure of "APR NOT CALCULATED" is not sufficient. An APR must be disclosed if a rate appears in the ad. In addition to the above examples, which are based on specific subsections of the regulation, phrases and words used in advertising can be misleading in themselves. "No Cost" loans and "No Fee" loans are such words. All real property secured loans have certain inherent costs, such as title insurance, escrow, appraisal, recording fees, etc. These services are bought and paid for by the borrower in all loan transactions. In the cases where a broker arranges a premium priced loan where a lender rebate is used to pay for these services, the services are still performed and the costs incurred. The borrower pays the costs of the services via a higher interest rate than would be available if the borrower paid for the services out-of-pocket. In effect, the borrower finances the closing costs over the entire life of the loan. Although there may be no out-of-pocket costs to the borrower, clearly there are fees and costs involved, contrary to the claims in these ads. Go to Top of Page Q . - I understand something called the "multi-lender rule" was transferred from the California Department of Corporations to the Department of Real Estate. What is this and how may I as a mortgage broker be affected? A . - The Department of Corporations enforces the state securities laws which require that any security in an issuer transaction be qualified prior to sale with certain exemptions. Such an exemption was the "multi-lender rule" (Section 260.105.30) which permitted the sale of interests in notes secured by real property to not more than 10 persons as defined. This "rule" was legislatively transferred by Assembly Bill 754 (Kuykendall) to the Department of Real Estate as Section 10229 of the Business and Professions Code. Any real estate broker (mortgage broker) involved in loan transactions secured by real property where the investors number 10 or less, but more than one, known as fractionalized notes, must notify the Department of Real Estate of the engagement in "multi-lender" activity. Any broker who arranges, sells or services such fractionalized notes must file a Multi-Lender Transaction Notice (RE 860)   with the Department within 30 days of the first such transaction. Quarterly, CPA-prepared reports must be filed by any broker who acts as the servicing agent for such notes where the payments due during any period of three consecutive months exceeds $125,000, or the number of persons entitled to payments exceeds 120. The quarterly reports are in addition to the "threshold reports" previously discussed. Section 10229 is very detailed and should be carefully reviewed before becoming involved in multi-lender transactions. Q . - As a mortgage broker, can I collect fees from a borrower to cover certain costs in a loan transaction when a loan application is taken, such as a fee to cover my expenses in processing the application or fees for credit report and appraisal? A . - Fees that are collected by the broker from a borrower prior to the services being rendered are defined as "advance fees." To preclude the inappropriate use of such fees, a broker can only collect "advance fees" if the contract or agreement to do so has been submitted to and approved by the Department in advance of use. This agreement specifically tells a borrower how the "advance fees" are to be used by the broker. The broker must also maintain all "advance fees" in a trust fund bank account and they must be expended only on behalf of the borrower. In addition, whatever other materials the broker might use in collecting "advance fees" must also be submitted to the Department, prior to use, for review and approval. Credit report and appraisal fees, although technically "advance fees" are not considered as such and may be collected without adhering to the prescribed advance fee procedures. These fees are invariably passed to third parties performing the services. They must, however, be maintained in a trust fund bank account and expended appropriately. A broker may not profit from the collection of credit report and appraisal fees. If actual costs are less than collected, the excess must be refunded to the borrower. Q . - I am not licensed as a real estate broker or real estate salesperson and I am only going to assist private parties who wish to sell their notes (secured by real property) for cash to another party (investor), perhaps in another state. Is a real estate license required if I conduct this activity in California? A . - The activity described, so-called note brokering , requires a real estate license if performed in California. This includes the solicitation of California note owners, whether in person, by mail, telephone, or other means of communication. One of the definitions of a real estate broker is: "...a person who, for a compensation or in expectation of a compensation, regardless of the form or time of payment, does or negotiates to do one or more of the following acts for another or others: (e) Sells or offers to sell, buys or offers to buy, or exchanges or offers to exchange a real property sales contract, or a promissory note secured directly or collaterally by a lien on real property or on a business opportunity, and performs services for the holders thereof." There are companies engaged in the discounted purchase of certain mortgages, primarily those carried back by residential sellers and secured by the transferred real property. The companies hold seminars to recruit people to solicit and negotiate the sale of these mortgages. Seminar attendees are informed that they do not need a real estate license to engage in this activity. In California, this is wrong because the activity fits the definition quoted above. Go to Top of Page Q . - Is a real estate licensee in the mortgage business required to show any specific disclosure of his or her license status in an ad? A . - All California real estate licensees, when acting as such, must disclose licensure in advertising. For a broker engaged in mortgage loan activity, the following also applies: "No real estate licensee shall place an advertisement disseminated primarily in this state for a loan unless there is disclosed within the printed text of that advertisement, or the oral text in the case of a radio or television advertisement, the license under which the loan would be made or arranged." A real estate broker must include one of the following disclosures in any mortgage loan advertising: "Real estate broker, California Department of Real Estate" or "California Department of Real Estate, real estate broker." The words "California" and "Department" may be abbreviated as "CA", "CAL" or "CALIF" and "DEPT." In addition to the license and licensing department identifiers, mortgage brokers must include their 8 digit broker license identification number in the ad. In the borrower and lender/purchaser disclosure statements (MLDS and LPDS), a broker must disclose the license identification number and the information telephone number established by the Department that a consumer can call to inquire about the license status of the broker. Q . - Has there been a change in the retention period that brokers are required to keep records? A . - The general rule is that brokers are required to keep records for a three-year period. However, pursuant to Business and Professions Code 10229(e)(1), the investor qualification statement required on a multi-lender loan has a four-year retention period requirement. Also, self-dealing statements, pursuant to Business and Professions Code 10231.2(b), must be retained for four years by the broker. Real estate brokers are not only affected by laws and regulations enforced by the Department of Real Estate, but also many others at both the state and federal level. The foregoing questions and answers are based on the California Business and Professions Code and the Regulations of the Real Estate Commissioner. Real estate brokers should be familiar with the other laws affecting their business. In this regard, they may receive assistance from other enforcement agencies, private legal advisors, and/or professional trade organizations. Office Locations Department of Real Estate Sacramento District Office 2201 Broadway P.O. Box 187000 (mailing address) Sacramento, CA 95818-7000 (916) 227-0770 (Mortgage Loan Section) Fresno District Office 2550 Mariposa Mall, Suite 3070 Fresno, CA 93721-2273 (559) 445-5009 Los Angeles District Office 320 W. 4th Street, Suite 350 Los Angeles, CA 90013-1105 (213) 620-2072 Oakland District Office 1515 Clay Street, Suite 702 Oakland, CA 94612-1462 (510) 622-2552 San Diego District Office 1350 Front Street, Suite 3064 San Diego, CA 92101-3687 (619) 525-4192 Department of Corporations: Sacramento 1515 K Street, Suite 200 Sacramento, CA 95817 (866) ASK-CORP - (866) 275-2677 US Department of Housing and Urban Development (HUD) Regional Office: San Francisco P.O. Box 36003 450 Golden Gate Avenue San Francisco, CA 94102-3448 (415) 436-6550 Federal Trade Commission (FTC) Regional Offices: San Francisco 901 Market Street, #570 San Francisco, CA 94103 (415) 356-5270 Los Angeles 10877 Wilshire Blvd., #700 Los Angeles, CA 90024 (310) 824-4343 Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Tuesday, August 31, 2004

Land Loan by Adam

Understanding the Land Loan How to Make Your Business Card Call for Action No matter how many wonderful services you offer, if your card brands you as unprofessional, you stand to loose potential customers. This article shows you how to make business cards that are not only informative but also effective. Click here for more... Pehrson Web | SheLovesGod | Books | Music | Romance Novels | Work@Home | Quality Cooking Tools | LocateACoach | MarniePehrson.com Gift the Gift of Romance this Christmas with a CleanRomanceClub Gift Certificate! Click here for details. Login - Signup - Contribute - Use Content - FAQ - Search - EzineBuilder - Advertise With Us New Articles - Publication Directory - About - Writers Update - Home - Connect Your Accounts Check Out These Great Articles! 51 Online Marketing Techniques To Improve Your Websites Success 6 Simple Ways to Determine Which Marketing Ideas Are Best for Your Business Accounting Police: Do They Exist? 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Submit Your Articles to Hundreds of Sites ! | Find Ezines to Promote In Search For Ebooks: For Press Release Promotion Visit Our Partners At Upcoming Events BizCoachingClub.com Sneak Peek Business 2006: Essential Technology/Systems/Tools Business 2006: Maximizing Customer Retention Create Lasting Success - Beyond Meeting the Bills Leaders - Moving you forward More Clients Than You Can Handle Moving Your Business Forward - Coaching Group Passive Revenue: Leverage Underutilized Resources Request Reprint Print About Author Email to a Friend Report Problem Related Books Understanding the Land Loan by Adam Smith Send Feedback to Adam Smith More Details about land loan here. Feature Articles How To Generate Massive Free Website Traffic... Finding Your Home Business Niche... How to KNOW if You'll Reach the Goal... Top 10 Tips To Selling Successfully on eBay... A Completely New Way To Get Rich Rapidly... Retirement Worries? Imagine Double Your Inves... Eight Mistakes to Avoid When Naming a New Bus... Are Your Internet Marketing Efforts Escaping ... Click here for more Subscribe for Free 1ChapterFree Business Channel Home Business Home/Family Channel Marketing Channel Personal Development Good News SheLovesGod Bible Study SheLovesGod Inspiration Tech Update ThoughtsAlive BelieversAtWork Writers Ezine Enter email: First name: In a real estate broker business, almost every thing revolves around land. Obviously it is hard to run a business centered around land without knowing where to acquire prime land and how to finance the land. Lets take some time to familiarize ourselves with some of the key terms that drive the real estate broker industry. A good broker business often times will acquire land through land auctions and then finance these acquisitions with a land loan or a land contract . To learn how this all fits together lets suppose you are interested in investing in some real estate and developing your own little broker business to generate some extra income. Before you can really do anything in your business, you must first acquire some real estate. Now you might sift through the local papers and real estate guides looking for that ideal piece that fits all your requirements. This method could take quite some time as it is hard to come by really good deals in this manner. On the other hand, perhaps a friend mentioned in passing how he built his first house on a piece of property he purchased at a land auction and got a great deal on. Your friend may be on to something here. Have you ever thought about checking out a land auction? If you have not been to a land auction now is the time to go check one out in your area. Thanks to the great format of auctions, the land you are bidding on will start at a relatively low bid price and the land auction will proceed just like a normal auction. Often there will not be much competition for land and you will be able to purchase a great piece of land from the land auction. After you have got your piece of property from the land auction you must find a way to finance it. This is where the land loan comes in. A land loan is exactly what it sounds like a loan for a piece of land. The land loan will be secured by the real estate that it pays for and you will be able to get a loan for the amount of the sale price of the real estate property. Your lender will likely dictate some terms as to what can be done with the land to ensure the value of the land remains intact and the land loan balance can be paid off. If you are into rentals then you might consider building a house or two on this property, depending on the size of the property you won in the land auction. Once your land loan is secure and you have built the houses and landscaped the property then your energies must turn to making this acquisition profitable to you. Hopefully you have added value to the land and can sell the property at a profit. This will create a nice little return on the project and allow you to focus your efforts on the next project. On the other hand you might consider exiting the property by selling the land and closing on a land contract with the buyer. A land contract insinuates that you are essentially financing the purchase for the buyer. Thus, when a buyer signs a land contract he is agreeing to submit monthly payments to you directly at the agreed upon terms. In turn you will pocket some of the money and turn the rest over to the bank that issued you the land loan. By using a land contract you can help somebody who has bad credit purchase the land and charge them a premium on that agreement so that you are making money on top of money. That is to say you are making interest on top of the net profit you got with the sale of the property. Adam Smith is an internet marketer for 10X Marketing. You can learn more about the real estate market and depreciation from OneMinuteMillionaire.com Keywords: land loan, land contract About the Author Adam Smith, adam10xmarketing@gmail.com More Details about land loan here.Adam Smith is an client account specialist with http://www.10xMarketing.com - More Visitors. More Buyers. More Revenue. This article has been viewed 43 time(s). Check Out Our Content Channel Categories Career/Business Marnie Pehrson Computers/Tech Beth Sunny Corporate Rhoberta Shaler Current Events Lee Schaeffer Holiday/Parties Kimberly Lainson Home Business Stone Evans Home/Family Mia Cronan Marketing/PR Marnie Pehrson Money Matters Bob Robertson Personal Develop . 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Denver Real Estate Foreclosure

Real Estate Foreclosure Records Search The Official Site of the City and County of Denver Home About Denver Elected Officials Safety Neighborhoods Employment Doing Business Online Services Search or View Directory 48 ° Scattered Clouds City and County of Denver Real Estate Foreclosure Records Search Date last updated:Wednesday, December 28, 2005 Denver real estate foreclosure records are maintained and updated by the City and County of Denver Public Trustee's Office . You can use this page to search for records from 1996 to the present day, by granter or owner name, property address, or foreclosure number. The search results will contain foreclosure numbers, owner and/or grantor names, attorney names, and legal addresses of the properties foreclosed. The records viewed on this Web site are not official legal documents. Official legal document copies are available only from the Public Trustee's Office. For further information or to order document copies, please call 720-865-8641, or visit the Denver Clerk and Recorder/Public Trustee's Office located at 201 West Colfax Avenue, Department 101 (First Floor), Denver, Colorado 80202. Tip: Include the wildcard character (%) before or after your search words if you don't know the complete spelling of the name or address. To search using an address, please enter the street name only and leave out the street number. For example, enter %colfax% to list all foreclosure records with an addressof East or West Colfax. To search using the foreclosure number, enter the 5-digit number with a 4-digit year. For example, to search for the foreclosure number 966 for the year 2003, enter 009662003. Please be sure to include the leading zeroes. Name: (Grantor or Owner) Address: (if available) Foreclosure Number: -- -- -- Printer Friendly Version Email This Page Select Category: Resident Visitor Business Address/Intersection: -- Contact Us Search Site Info return to the top

Buy House

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House of Flying Daggers (2005) Starring: Takeshi Kaneshiro , Andy Lau Director: Yimou Zhang Rating: See larger image Share your own customer images List Price: $19.94 Price: $12.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $6.95 (35%) 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 123 used & new available from $7.45 Edition: Other Versions and Languages Other Versions (DVD) List Price Price Other Offers: DVD House of Flying Daggers (UMD mini for PSP) $28.95 $25.99 36 used & new from $13.97 DVD House of Flying Daggers/Crouching Tiger, Hidden Dragon $36.96 $25.88 71 used & new from $17.97 Other Versions (VHS Tape) VHS Tape House of Flying Daggers $14.95 $14.20 10 used & new from $7.50 Better Together Buy this DVD with Hero DVD ~ Jet Li today! Total List Price: $39.93 Buy Together Today: $25.98 Customers who bought this DVD also bought Hero DVD ~ Jet Li The Incredibles (Widescreen 2-Disc Collector's Edition) DVD ~ Maeve Andrews Sin City DVD ~ Robert Rodriguez Batman Begins (Two-Disc Deluxe Edition with Comic Book) DVD ~ Christian Bale Explore Similar Items : in DVD , in Music , and in Books Storyline Genres: Action , Drama , Romance Plot Outline: A romantic warrior breaks a beautiful member of a rebel army out of prison to help her rejoin her fellows, but things are not what they seem. Plot Synopsis: During the reign of the Tang dynasty in China, a secret organization called "The House of the Flying Daggers" rises and opposes the government. A police officer called Leo sends officer Jin to investigate a young dancer named Mei, claiming that she has ties to the "Flying Daggers". Leo arrests Mei, only to have Jin breaking her free in a plot to gain her trust and lead the police to the new leader of the secret organization. But things are far more complicated than they seem... Plot Keywords: Visually Impaired Person | Blind | Blindness | Police | Deputy | Police Officer | Martial Arts | Blind Girl | Brothel | China | Dancer | Doublecross | (Show all 22 plot keywords recommended by customers) Product Details Actors: Takeshi Kaneshiro , Andy Lau , Ziyi Zhang , Dandan Song , Yang Guang , See more Directors: Yimou Zhang Format: Ac- , Color, Dolby, Dubbed, Subtitled, Widescreen, Ntsc, Widescreen Anamorphic Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Number of discs: 1 Rated: Studio: Sony Pictures DVD Release Date: April 19, 2005 Run Time: 119 min (original theatrical or airing runtime) Average Customer Review: Based on 219 Reviews DVD Features: Available Subtitles: English, French Available Audio Tracks: (Dolby Digital 5.1), English (Dolby Digital 5.1) Commentary with actor Ziyi Zhang and director Zhang Yimou Creating the Visual Effects featurette "Making of" featurette Theme Song 'Lovers' Music Video Behind the Scenes Photo Gallery Costumes Gallery Storyboard Comparisons Previews From IMDb: Quotes & Trivia ASIN: B0007Q6VXC Amazon.com Sales Rank: #285 in DVD Theatrical Release Information US Theatrical Release Date: January 14, 2005 MPAA: for sequences of stylized martial arts violence, and some sexuality. Production Company: Beijing New Picture Film Co., China Film Co-Production Corporation, EDKO Film Ltd., Elite Group Enterprises, Zhang Yimou Studio USA Box Office: $11 Million Budget Estimate: $100 Million Filming Locations: Beijing, China| China| Kossiv National Park, Ukraine| Lviv, Ukraine| Sichun Province, China| Tea Mountain Bamboo Sea Scenery Park, Yongchuen, Chongqing, China| Ukraine Editorial Reviews Amazon.com No one uses color like Chinese director Zhang Yimou--movies like Raise the Red Lantern or Hero , though different in tone and subject matter, are drenched in rich, luscious shades of red, blue, yellow, and green. House of Flying Daggers is no exception; if they weren't choreographed with such vigorous imagination, the spectacular action sequences would seem little more than an excuse for vivid hues rippling across the screen. Government officers Leo and Jin (Asian superstars Andy Lau and Takeshi Kaneshiro) set out to destroy an underground rebellion called the House of Flying Daggers (named for their weapon of choice, a curved blade that swoops through the air like a boomerang). Their only chance to find the rebels is a blind women named Mei (Ziyi Zhang, Crouching Tiger, Hidden Dragon ) who has some lethal kung fu moves of her own. In the guise of an aspiring rebel, Jin escorts Mei through gorgeous forests and fields that become bloody battlegrounds as soldiers try to kill them both. While arrows and spears of bamboo fly through the air, Mei, Jin, and Leo turn against each other in surprising ways, driven by passion and honor. Zhang's previous action/art film, Hero , sometimes sacrificed momentum for sheer visual beauty; House of Flying Daggers finds a more muscular balance of aesthetic splendor and dazzling swordplay. --Bret Fetzer Customers who viewed this DVD also viewed Star Wars, Episode III - Revenge of the Sith (Widescreen Edition) DVD ~ Ahmed Best National Treasure (Widescreen Edition) DVD ~ Nicolas Cage Sideways (Widescreen Edition) DVD ~ Paul Giamatti Kung Fu Hustle (Widescreen Edition) DVD ~ Kwok Kuen Chan Explore Similar Items : in DVD , in Music , and in Video Spotlight Reviews Write an online review and share your thoughts with other customers. 179 of 199 people found the following review helpful: More Romance Than 'Hero' and More Beauty of Zhang Ziyi , October 7, 2004 Reviewer: T. Nakajima (Kyoto-shi, Kyoto-hu Japan) - See all my reviews Soon following the success of 'Hero,' director Yimou Zhang made another film featuring beautiful Zhang Ziyi. One of the good news for Zhang Ziyi fans (including me) is that 'House of Flying Daggers' features her almost all through the film. And this time director's stress is clearly given to the romantic side of the story -- and as if to match his intention, 'House' looks more beautiful, colorful, and gorgeous, than 'Hero.' And there are actions, and some of them are quite unique. The film is set in 859 AD, last days of the now corrupt Tang Dynasty in China. One underground sect called House of Flying Daggers are openly challenging the authority of the government, and to crush these rebels, two officers Jin -- also known 'The Wind' (Takeshi Kaneshiro, 'Chunking Express') and Leo (Andy Lau, 'Infernal Affairs') think of a good plan. Jin goes to meet a blind courtesan Mei (Zhang Ziyi), who is suspected to be connected with the secret clan, and he gains the confidence of this beautiful dancer by some tricks -- tricks meaning 'love.' Make her love you, and you get her secret. Hopefully she will lead Jin to the hiding place of the 'House of Flying Daggers,' but before the plan starts, Leo warns Jin: 'Don't fall in love for real.' But who can resist Mei's beauty? Or Zhang Ziyi's for that matter? The rest of the story is very melodramatic, and the film sometimes needs a good amount of suspension of disbelief (especially for Western audiences, I'm afraid). But, though melodramatic, it is aptly so, as this is basically about a romance, or a love story. Those who love the romantic mood in films would understand what I say. It's all about the tension and mood, and 'House' has lots of them. Actions are done by Tony Ching Siu-Tung, whose CV includes the action director of 'A Chinese Ghost Story.' He gives superb martial arts actions here again, without using too much of now-too-trendy wire actions. As the film title shows, there are some effectively shot scenes of 'flying daggers' which, with a good use of CGIs, gives a few of thrilling moments. And like I said before, the battles in the midst of a deep bamboo forest are not to be missed, if you are a real Hong-Kong film fan. Costumes are provided by Emi Wada (as in 'Hero'), whose colorful dresses are just wonderful. Particlularly those long-sleeved dancing costumes for Zhang Ziyi not merely enhance the exotic beauty of the dancer, but things to be treasured on their own merit. And Kathleen Battle sings the theme song at the end of the film. But first and foremost, to me, the film is made for Zhang Ziyi. Did I say she is beautiful? She is, and breathtakingly so, when her character betrays her hidden emotions before the camera. And sometimes the film reveals the character's very sensual side -- I say, for a Chinese film, of course, but it was a little surprising. Of course, top-credited Andy Lau and Takeshi Kaneshiro are the stars, and they are very good. The film is always beautiful to see, from the first to the end (the snow field was shot in Ukraine). And if you're a fan of Zhang Ziyi, this one is not to be missed for it's not too much to say that it belongs to her. Was this review helpful to you? ( Report this ) 214 of 333 people found the following review helpful: Opinion of a Chinese Viewer..... , December 13, 2004 Reviewer: C. Jen "chanteuse33" (Los Angeles, CA USA) - See all my reviews To be fair, this is not a bad movie considering how many bad movies Hollywood put out there each year. As a Chinese living in US for 20+ years and someone grew up devoting to Wushia films, this is a good but not outstanding movie. Certain aspects were distracting: 1. bamboo forest and the other forest don't mix. They are apparently from two very different regions. Weird how they traversed between the two like they were next door neighbors.... 2. Mei and Jin must be really young to fall so deeply for each other after only 3 days. Also said the House of Daggers leader, Mei (Zhang Ziyi) had used her beauty for business a few times before. She's not a spring chicken who had never ventured out of her confine to be a true Juliet (if you must use the Shakespearean connection.....) 3. Once the twist was revealed, Leo(Andy Lau)'s role became very unsympathetic. He's a classic case of possessive character that stalker/abuser is made of. House of The Flying Daggers is not a Wushia movie technically because its emphasis on the love story. Everything, the story structure, fight scenes, visuals, music, and editing, are all in support of the love story. A true Wushia movie is more about good vs. evil, right vs. wrong, underdog vs. oppressor, or moral vs. greed, much like a classic Western should. As a love story/melodrama, it is good. As a Wushia movie, it is not. Crouching Tiger Hidden Dragon is a better representation of the Wushia genre. Just my two cents.... Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. If nothing else, watch this movie for the 'Echo Game' scene... , December 28, 2005 Reviewer: Brandon Wiggins "Glass Onion Child" - See all my reviews This movie is primarily a love story that is kept mildly entertaining with some high flying martial arts and the absolutely stunning Zhiang Ziyi. What I enjoyed most about this film, however, was the choreography and wonderful use of colors throughout the movie. As mentioned before, the 'Echo Game' scene features Zhiang Ziyi performing a beautiful martial arts dance with a gown that has long flowing sleeves that are absolutely gorgeous to watch on screen as they move effortlessly around the circle hitting each specific drum. This was by far one of my favorite scenes in the entire movie. The use of colors is also wonderful to watch, especially the green theme used for the House of Flying Daggers' scenes. As far as the plot goes, this movie offers nothing spectatuclar and is a melodramatic love story at best. But the acting is superb and the film offers enough plot twists to keep your interest until the end of the film. Overall, this film is not about action so much as it is about the overall mood created with the visuals and love story. Zhiang Ziyi is spectacular in her role as Mei and I would highly reccomend this to any fan of films such as 'Crouching Tiger, Hidden Dragon', etc. (CTHD has a much better story though.) Was this review helpful to you? ( Report this ) Better than Crouching Tiger! , December 21, 2005 Reviewer: David Foskin (Waterford, Ireland) - See all my reviews After raising his artistic level to lofty heights in "Hero," Chinese director Zhang Yimou returns to earth with the elegiac "House of Flying Daggers." In what could be considered the second film of his third different film-making period, Zhang now freely traffics in martial arts. Bringing to the genre his own cinematic sensibilities, he renders a film that equals Hong Kong artists in action sequences, while again displaying his mastery in overall technique. Working with a script from Li Feng, Wang Bin and himself, Zhang again returns to his country's history for an action tale full of romance, deceit, betrayal and loyalty. Set in 859 China, near the end of the Tang dynasty, "Daggers" centers on an on-going conflict between the established, corrupt emperor (whom we never see) and what must be called a terrorist group, known by the film's title, sworn to overthrow the ineffectual leader. But, strangely, even when dealing with such a variety of emotions, "Daggers" is often a cold, uninvolving movie. A romance is established between Mei (Zhang Ziyi), who may or may not be blind, and Jin (Takeshi Kaneshiro), who may or may not be a double agent for the government, with Leo (Andy Lau), who may or may not be a triple agent for the government, acting as a romantic foil. In the prolonged opening scene set in a brothel, full of flowery patterns and shimmering costumes, Mei dances for Leo, suggesting that the deft Zhang Ziyi can execute any physical demands. Before leaving the scene, however, director Zhang shows his perfect eye for composition and choreography with his production of Mei's "echo dance." Mei smoothly moves through her intricate paces, provocatively stimulating the senses. Carefully choreographed drummers surround her in perfect symmetry, setting up an unlikely stage from which Mei performs her stunning dance. After this initial interior sequence, the film goes outside and stays there for several pursuits. Zhang then parades several imaginative battle sequences in which armies are outrageously mowed down by one or two people. Consequently, much of "Daggers" follows a Hong Kong film tradition by taking place in the air, as fights erupt in bamboo forests, with warriors swaying in the trees, bending, and defying gravity. Zhang's pastoral fight scenes don't originate from the Hong Kong tradition of Tsui Hark or early John Woo films, but instead are his own inventions with much more emphasis on the aesthetic. And it's for this eye that Zhang is best known, even in epic works like "Hero" or in a film like "Daggers." And that alone makes it more entertaining, and better, than 98 percent of most movies. Was this review helpful to you? ( Report this ) 1 of 3 people found the following review helpful: From another Chinese viewer... , December 19, 2005 Reviewer: F. Quan (Orem, UT USA) - See all my reviews I rented this movie over the weekend so I could decide if I was going to buy it. Decided against buying it. The movie is slow and drawn out. This is really a love story with martial arts in it. If you're looking for a martial arts movie, move on to something else. If you're looking for a love story, there are better stories out there. Was this review helpful to you? ( Report this ) 2 of 2 people found the following review helpful: An Asian love story , December 15, 2005 Reviewer: Cory D. Slipman (Rockville Centre, N.Y.) - See all my reviews "House of Flying Daggers" directed by acclaimed Yimou Zhang is a romanntic drama disguised as a martial arts film. This visually appealing movie features terrific set designs and costuming to create 9th century China at the time of the Tang dynasty. The martial arts action sequences were choreographed beautifully as one would expect. The storyline however was merely an above average romantic plot. The Tang dynasty was in a state of decline and a clandestine underground group, the House of the Flying Daggers, was attempting to take over control of the country. The blind daughter of the recently assassinated leader of the group was purported to be working as a dancer in the lavishly decorated bordello, the Peony Pavilion. Two captains of the reigning government Jin and Leo schemed to use the girl to lead them to the secret hideout of the Flying Daggers. The girl Mei played by the ravishingly beautiful Ziyi Zhang is arrested on trumped up charges by Leo, played by Andy Lau and threatened with torture unless she reveals the secrets of the Flying Daggers. As previously, arranged Jin played by Takeshi Kaneshiro, helps her escape using an impressive array of martial arts moves. Jin and Mei, also an accomplished martial artist, are riding and running through the countryside being hunted by government soldiers. Jin is attempting to gain Mei's confidence so that he can coax her into leading him to the Flying Daggers, with Leo in hot pursuit. A funny thing happens as in their flight which includes frequent battles in that Jin and Mei fall in love. Mei had previously been Leo's love interest so this creates a muddle in the various allegiances. The film concludes in a fairly standard manner but not necessarily happily ever after. Was this review helpful to you? ( Report this ) See all 219 customer reviews... Listmania! Great Asian Movies, China, #1 ... : by Steve Vander The Best Tearjerkers : by Lyn All Things Sexy : by Eliza So You'd Like to... The Best of Eastern Directors : by Jason , Amateur Film Critic Have an awesome Movie collection like me : by kurt , Movie collector/ amatuer movie critic Get the BEST Cinema. : by Ruben , Amateur Movie Critic Fun Facts from IMDb.com: Awards Click here to see more Awards Boston Society of Film Critics Awards: BSFC Award for Best Foreign-Language Film, Best Director, Best Cinematography Golden Rooster Awards: Golden Rooster for Best Art Direction Golden Trailer Awards: Golden Trailer for Best Foreign, Best Foreign Independent Los Angeles Film Critics Association Awards: LAFCA Award for Best Foreign Language Film Motion Picture Sound Editors, USA: Golden Reel Award for Best Sound Editing in Foreign Features National Board of Review, USA: NBR Award for Outstanding Production Design National Society of Film Critics Awards, USA: NSFC Award for Best Cinematography, Best Director Satellite Awards: Golden Satellite Award for Best Visual Effects, Best Cinematography Nominations Click here to see more Nominations Academy Awards, USA: Oscar for Best Achievement in Cinematography Academy of Science Fiction, Fantasy & Horror Films, USA: Saturn Award for Best Fantasy Film, Best Costumes, Best Director, Best Actress BAFTA Awards: BAFTA Film Award for Best Editing, Best Production Design, Best Film not in the English Language, Best Make Up/Hair, Best Achievement in Special Visual Effects, Best Sound, Best Costume Design, Best Performance by an Actress in a Leading Role, Best Cinematography Broadcast Film Critics Association Awards: BFCA Award for Best Foreign Language Film Chlotrudis Awards: Chlotrudis Award for Best Cinematography European Film Awards: Screen International Award Golden Globes, USA: Golden Globe for Best Foreign Language Film Golden Rooster Awards: Golden Rooster for Best Picture, Best Sound, Best Director Golden Trailer Awards: Golden Trailer for Best Music Hong Kong Film Awards: Hong Kong Film Award for Best Asian Film Trivia Click here to see more Trivia Director Yimou Zhang has said that he will rewrite the screenplay to remove Anita Mui's character following the veteran star's death. This is meant to be a sign of respect for Mui. It was earlier reported that Michelle Yeoh or Brigitte Lin would be cast instead. This was originally going to be Anita Mui's final appearance in film and she had already accepted the role but, because she was battling cervical cancer, her part wasn't going to be filmed until early 2004. After her death on 30 December 2003, director Yimou Zhang decided to alter the script rather than find a replacement. Anita's name will still be listed in the credits. Goofs Click here to see more Goofs The music that the live musicians play during the drum duel scene, although beautiful, is not characteristic of classical Chinese music of that era. Crazy Credits Click here to see more Crazy Credits In Memory of Anita Mui1963-2003 The Chinese theatrical release has a Chinese translation of the ending song(which has lyrics in English) on the left side of the screen during thecredits. Movie Connections Click here to see more Movie Connections Featured in: The 77th Annual Academy Awards Quotes Click here to see more Quotes [reaches for dagger in back] Leo : Yee : Do not pull this dagger out. I'm sending you back to keep spying for us. You will be more convincing with a dagger in your back. Mei : To be free like the wind. For more information about "House of Flying Daggers" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( K ) > Kaneshiro, Takeshi DVD > Actors & Actresses > ( L ) > Lau, Andy DVD > Directors > ( Y ) > Yimou, Zhang DVD > Genres > Action & Adventure > General DVD > Genres > Art House & International > By Country > China DVD > Genres > Art House & International > By Country > Hong Kong > General DVD > Genres > Art House & International > By Original Language > Chinese DVD > Genres > Art House & International > General DVD > Genres > Drama > General DVD > Genres > Drama > Love & Romance > Romance DVD > Genres > Drama > Love & Romance > Star-Crossed Lovers DVD > Genres > Drama > Period Piece 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. 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