Land for Sale by

Land for sale in The Shenandoah Valley - Shenandoah Connection Land forsale in The Shenandoah Valley GeneTaylor's Photography of The Shenandoah Valley more info ShenandoahValley's Best Real Estate Agents Finding #1 Rated Real Estate Agents inShenandoah Valley of VA MAKE MONEY ON RURAL LAND by BK Haynes Editorial Reviews About the Author B.K. Haynes is a real estate broker, developer, publisher, educator, and author with more than forty years experience in the field of country properties. Haynes has sold, developed, and brokered an estimated 300 square miles of land over a four-state region -- a land area the size of the Shenandoah National Park. He lives on an historic 250 acre cattle farm with airstrip in Virginia's fabled Shenandoah Valley. He is also the author of the best selling book, HOW YOU CAN GROW RICH THROUGH RURAL LAND - Starting from Scratch. Book Description Comprehensive real estate manual on buying and selling country properties. ORDER HERE B.K. HAYNES LAND BROKERS Nearby land bargains since 1966 in Shenandoah Valley, Virginia's Piedmont, Blue Ridge, and W.VA. Highlands LOOKING FOR LAND THEN CLICK HERE Haynes Building, 501 South Royal Ave., Front Royal, VA 22630 Call 540-635-3169 E-mail: bkhaynes@shentel.net Fax 540-635-9355 http://www.bkhaynes.com/land.html Shenandoah Valley's Best Real Estate Agents Finding #1 Rated Real Estate Agents in Shenandoah Valley of VA Here is our growing list of the top real estate agents in the Shenandoah Valley of VA Steve Sober, e-PRO, ABR ERA Beasley Realty 146 S. Main Street Woodstock, VA. 22664 Please call me direct:: (540) 975-5678 www.SteveSober.com Pam Napier Realtor COUNTRYWIDE REAL ESTATE SERVICES Mt Jackson and New Market VA Real Estate Agent West Virginia and Winchester Virginia Real Estate Agent Faith Horan Real Estate Sales Consultant with: Keller Real Estate of Winchester Virginia 611 W. Jubal Early Drive # A Each Office Independently Owned & Operated Dee Archambault Real Estate Consultant from Winchester VA Dee is part of the Keller Williams Realty Group One of the most complex and important financial events in peoples’ lives is the purchase or sale of your home... Have Dee Archambault help you make the right choices for your home or investment property. 611 West Jubal Drive Suite A Winchester Virginia 22601 Cell phone - 540-247-5748 - Office 540-869-9556 email deearch@mris.com - Web Page Winchester Virginia Real Estate Agents Winchester/Frederick County real estate Shenandoah Valley Web Real Estate Guide If you are looking for Real Estate in Winchester VA have Roger Lamborne work for you! Roger Lamborne " At Your Service " Realtor, Broker, ABR, CHS, ALC of Winchester Virginia www.lamborne.com , email: web@lamborne.com 800-820-8562, 540-665-9469, Fax 540-535-1041 OFFICE HOURS: Monday-Friday 9 am to 5:30 PM, Saturday's By Appointment. Leon K. McCray Commercial Real Estate, Land Development & Business Sales Specialist Coldwell Banker Commercial Premier Properties 158 Front Royal Pike, Suite 305 Winchester, VA 22602 540-667-7071 (Business) 540-335-1528 (Cell) 877-667-7071 (Toll Free) 540-667-9796 (Fax) 540-459-4222 (Fax) Woodstock info@shenandoahcommercialrealestate.com www.shenandoahcommercialrealestate.com Land for Sale by Owner in Winchester VA Woods at Magic Mountain 5 acre wooded lots with approved well and septic, underground utilities, reasonable restrictions, located only 3 miles from Winchester Hospital offering privacy and convenience. Call Owner for more details at 540-877-1747 Shenandoah Valley Real Estate Agents Shenandoah Valley Web Real Estate Guide The Most Comprehensive Estate Land for Sale Agent Page for The Shenandoah Valley of Virginia Augusta Springs -Basye -Bergton - Bridgewater - Broadway - Brownsburg - Churchville - Craigsville - Criders - Crimora - Dayton - Deerfield - Edinburg - Elkton -Fairfield - Fishers Hill - Fishersville - Fort Defiance - Fort Valley - Fulks Run - Glasgow - Goshen - Greenville - Grottoes - Harrisonburg - Hinton - Keezletown - Lacey Spring - Lebanon Church - Lexington - Linville - Luray - Lyndhurst - Maurertown - McGaheysville - Middlebrook - Mint Spring - Mount Crawford - Mount Jackson - Mount Sidney - Mount Solon - Natural Bridge - Natural Bridge Station - New Hope - New Market - Orkney Springs - Penn Laird - Pleasant Valley - Port Republic - Quicksburg - Raphine - Rileyville - Rockbridge Baths -Shenandoah - Singers Glen - Spottswood - Stanley - Staunton - Steeles Tavern - Strasburg - Stuarts Draft - Swoope - Timberville - Toms Brook - Verona - Vesuvius - Waynesboro - West Augusta - Weyers Cave - Winchester - Woodstock Virginia - West Virginia Real Estate - Lexington Va Real Estate Country Properties in Virginia and West Virginia For Sale By Owner Shenandoah Valley Real Estate West Virginia Real Estate - Lexington VA Real Estate Roanoke Virginia Realtors, Roanoke VA Real Estate Services Virginia Real Estate Relocation Connection Real Estate Relocation and Reference Connection Country Properties in Virginia and West Virginia For Sale By Owner Shenandoah Valley Real Estate HOUSES FOR SALE BY OWNERS FOR SHENANDOAH VALLEY AND WEST VIRGINIA FSBO * Homes For Sale By Owner West VA * Land for Sale West Virginia West Virginia Real Estate Shenandoah Valley Real Estate Guide Real estate sales rentals, homes, farms, land, cabins, cottages, lots, residential and commercial country properities in Virginia North Carolina Real Estate Carolina Mountains Real Estate - Pinehurst Real Estate Tryon NC Properties - DC Condos Tryon NC Real Estate, Columbus Real Estate, Polk County Real Estate Long Island Real Estate Long Island Real Estate Relocation Directory Shenandoah Valley's online guide to small business, arts, non-profits, and local events in the beautiful Shenandoah Valley of Virginia. The Shenandoah Connection Small Business - Arts - Tourism - Advertising by ShenandoahConnection.com Online Advertising - Website Promotion Search Engine Positioning - Business Networking Call - 540-984-8190 We Drive Traffic to your Website.... T he mission of ShenandoahConnection.com is to create opportunities for both the small business and the arts community of the Shenandoah Valley and beyond. Our Website will increase both visibility and profitability for all our members. Photo by Gene Taylor Get Connected with ShenandoahConnection.com Arts & Entertainment - Real Estate - Jobs Hotels & Inns - Recreation - Fine Dining Business Opportunities - Shenandoah Weddings Health Services - Shenandoah Valley Online News Advertise your Shenandoah Valley Business * FREE Online Classifieds and Events Board * We are a full service website promotion and marketing firm located in The Shenandoah Valley of Virginia. Our innovative and proven search engine optimization techniques have ranked more web pages in more top positions than anyone in the business. Whether it's web site promotion, development, design or consulting, we can help get you the results you expect. About us In addition to providing easy access to web pages and services in The Shenandoah Valley, Google has set up this special feature to help you find exactly what you're looking for with a click of the mouse. List Your Business with us! How Will People Find Your Website? On the First Page of Google! more info Advertising Promotional Products Advertise Shenandoah Valley Business Web Promotion Radio Advertising Promotional Products Printed Tee Shirts Mt Jackson VA Shops Accommodations Bed and Breakfasts Inn's Bed & Breakfasts Cabin Rentals Shenandoah Woodstock VA Inn at Narrow Passage The Fuller House Inn Winchester VA B&B Inns Woodstock Virginia House Rentals Shenandoah Valley Vacation Rentals Shenandoah Cabins Shenandoah Hotels Shenandoah Valley Motels Auctions Add your Auction on our posting board .. .. Antiques Antiques Shops - Dealers .... Shenandoah Valley Fine Arts Shenandoah Photography The Art Group VECCA 7 East Art Studio Valley Educational Center Creative Arts - Woodstock VA Cultural Art Centers Shenandoah Arts Council Attorneys BRADLEY G. 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POLLACK Trusts and Estates; Shenandoah Bankruptcy Roanoke Attorneys Family Law; Real Estate Real Estate-Trusts Networks Richmond Virginia Small Business Networking Photography Valley Photography Gene Taylor of Woodstock VA Wedding Photography Blue Ridge Shenandoah Mountains Schools/Education Shenandoah Valley School of Massage Self Improvement Information technology training Homeschooling Materials Online Schools College Courses Shenandoah Services Shenandoah Valley Real Estate Guide Best Real Estate Agents Commercial Real Estate Front Royal VA Real Estate Harrisonbrug VA Real Estate Land for Sale Shenandoah Lexington Virginia Real Estate Luray Virgina Real Estate Home for Sale by Owner Mortgage Lenders Roanoke Virginia Real Estate Shenandoah County VA West Virginia Real Estate Winchester VA Real Estate We are looking to add more Cities and Counties to our Network. 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Shenandoah County VA The Best of Shenandoah Shopping Autos - Clothing Stores - Gifts Ebay Shops Shenandoah Shenandoah Shops Women's Fashion Shenandoah Valley Sports Sports Collectibles Memorabilia Travel Section Blue Ridge Travel Planning Blue Ridge Parkway Skyline US Route 11 I-81 Travel Info/ Posting Board World Travel Tourism Edinburg Virginia Harrisonburg Virginia Page County VA Front Royal Virginia Roanoke Biz 2 Biz Shenandoah Valley Tourism Site Unofficial I-81's Travel Information Shenandoah County VA Shenandoah Valley Guide Winchester Virginia Woodstock VA Guide Web Services Website Hosting Web Site Design E-Commerce Web Promotion and Hosting 4U Web Presence Top of the Search Engines Shenandoah Weddings Catering - Limousines - Photographers Wedding Cake Toppers Shenandoah Valley Cakes Harrisonburg VA Weddings Luray Virginia Weddings Shenandoah Weddings Village Square Restaurant and Catering Winchester Winchester VA Catering Winchester VA Weddings Shenandoah County VA Limousine Services Welcome Wagon Newcomers Guide Winchest Virginia Online The Fuller House Inn The Winchester Star Small Business Netowkring Stephens City VA Winchester Online Tektility Computer Services Village Square Restaurant Frederick County VA Wines Wines of The Shenandoah Valley of Virginia Virginia Wines and Vineyards Wineries and Vineyards Wine Shops Shenandaoh of the Valley LIST YOUR BUSINESS WITH US! Get Connected with ShenandoahConnection.com We are a full service website promotion and marketing firm located in The Shenandoah Valley of Virginia. Our innovative and proven search engine optimization techniques have ranked more web pages in more top positions than anyone in the business. Whether it's web site promotion, development, design or consulting, we can help get you the results you expect. By getting connected to our growing network you will have the cutting edge against the competition. What can the Shenandoah Connection do for you? Its simple. When someone logs onto the internet to find a service or product located in the greater Shenandoah Valley what do they do?…, They go to Google.com or some other search engine, right? Shenandoah Connection has the expertise to set up your business and/or website so that your business comes up at the top page of the list. This means that the majority of internet searches for your service will be directed straight to YOUR business. Well, the folks at Shenandoah Connection don’t stop there. We are busy establishing relationships with other business networks in other parts of the Valley and beyond. Internet searchers not only are directed to your website, but now have co-operative “links” to other kinds of businesses in different regions. This means that potential customers are also being directed to your business. So, no matter whether you sell tires or fine art, Shenandoah Connection will get you a larger piece of the “internet pie”, and that means greater marketing exposure to grow your business bigger, faster. Just give us a call… its that simple. . Call 540-984-8190 * Shenandoah Valley Travel Question & Answer Posting Board * Call Shenandoah Connection at 540-984-8190 Shenandoah Valley Real Estate Guide Augusta Springs -Basye -Bergton - Bridgewater - Broadway - Brownsburg - Churchville - Craigsville - Criders - Crimora - Dayton - Deerfield - Edinburg - Elkton -Fairfield - Fishers Hill - Fishersville - Fort Defiance - Fort Valley - Fulks Run - Glasgow - Goshen - Greenville - Grottoes - Harrisonburg - Hinton - Keezletown - Lacey Spring - Lebanon Church - Lexington - Linville - Luray - Lyndhurst - Maurertown - McGaheysville - Middlebrook - Mint Spring - Mount Crawford - Mount Jackson - Mount Sidney - Mount Solon - Natural Bridge - Natural Bridge Station - New Hope - New Market - Orkney Springs - Penn Laird - Pleasant Valley - Port Republic - Quicksburg - Raphine - Rileyville - Rockbridge Baths -Shenandoah - Singers Glen - Spottswood - Stanley - Staunton - Steeles Tavern - Strasburg - Stuarts Draft - Swoope - Timberville - Toms Brook - Verona - Vesuvius - Waynesboro - West Augusta - Weyers Cave - Winchester - Woodstock Virginia Lexington VA Real Estate Roanoke Virginia Realtors, Roanoke VA Real Estate Services Virginia Real Estate Relocation Connection Real Estate Relocation and Reference Connection Country Properties in Virginia and West Virginia For Sale By Owner Shenandoah Valley Real Estate HOUSES FOR SALE BY OWNERS FOR SHENANDOAH VALLEY AND WEST VIRGINIA FSBO * Homes For Sale By Owner West VA * Land for Sale West Virginia West Virginia Real Estate Shenandoah Valley Real Estate Guide Real estate sales rentals, homes, farms, land, cabins, cottages, lots, residential and commercial country properities in Virginia North Carolina Real Estate Carolina Mountains Real Estate - Pinehurst Real Estate Cathryn Lennon Tryon NC Properties - DC Condos Tryon NC Real Estate, Columbus Real Estate, Polk County Real Estate Long Island Real Estate for Sale by Owners Country Properties in Virginia and West Virginia For Sale By Owner Shenandoah Valley Real Estate North Carolina Real Estate Carolina Mountains Real Estate - Pinehurst Real Estate Cathryn Lennon Tryon NC Properties - DC Condos Tryon NC Real Estate, Columbus Real Estate, Polk County Real Estate Shenandoah Valley Real Estate Guide HOUSES FOR SALE BY OWNERS FOR SHENANDOAH VALLEY AND WEST VIRGINIA FSBO * Homes For Sale By Owner West VA * Land for Sale West Virginia Long Island Real Estate For Sale by Owner Find out how you can sell your own house here Long Island Real Estate Relocation Directory Long Island Real Estate Relocation Directory Long Island Real Estate Boutique Real Estate Services Long Island - Long Island Relocation Guide HERE IS WHAT SOME OF OUR SPONSORS ARE SAYING! " The Shenandoah Connections helped us with our first Savor the Valley Fall Festival by putting us in touch with potential vendors that we otherwise would not have known about. Mark Barreres provided musical entertainment for that same event and it was terrific! I look forward to working with Shenandoah Connections again !!" - Amy Proctor from Shenandoah Caverns & American Celebration "I recently moved to the Shenandoah Valley form Arizona. Through shenandoahconnection.com I was able to locate and contact other musicians with whom I am now working. Without this resource it would have been impossible to do this in a short time frame (less than a year). Also, the connection has also been an important resource for locating and referring persons interested in obtaining basic and advanced instruction in guitar, bass guitar, theory, improvisation, and related subjects. Many thanks to Mark Barreres for this wonderful resource." - Dave Lewis Musician "I have had several on-line ventures. ShenandoahConnection.com has helped me get found on the web and in countless other ways. Thanks Mark!" Jeanne Russell " FYI-Our Business has improved & we are finally being found on search engines, Since working with Shenandoah connection & Mark. No other advertising has been so effective for us - ever. Mark has also been greatly helpful with our web site and is always available for suggestions & help. The ability to be able to link with others in the Valley & our specific area is a great concept & asset. I hope more folks will join the "Connection"! Fuller House Inn in Winchester - Debra " ShenandoahConnection.com has been a real direct benefit to my website. Visitors to ShenandoahConnection.com who then link to www.stevesober.com make Marks websites the third or fourth largest provider of distinct visitors to my website every week. This kind of exposure is very hard to find. Thank You Mark! " - Steve Sober Valley Ballooning of Woodstock VA "Dear Mark, I wanted to take this opportunity to thank you and your staff for all the hard work and assistance with the website. You were certainly good to your word in getting our site listed on the front page of Google. And the best part is, it only took a couple of days! My business has already shown a marked increase, and I look forward to working with you in the coming years. Thanks again!" - Don "A special thanks for all your help goes out to ShenandoahConnection from your business partners" - Roanoke Business Networking . Roanoke Biz2Biz is a response to the needs of Roanoke area companies for a cost effective, online hub to connect businesses to other businesses. It is matchless as a 24/7 business revenue generator. Roanoke Biz2Biz utilizes a variety of interactive tools, expertise in Search Engine Marketing and Business-to-Business Marketing to generate new sales leads. If we have helped your business let people know about it here The Shenandoah Connection Group is looking to work with the new and existing small business, musicians, artists, and advertising groups in The Shenandoah Valley and beyond. It's all networking! Call Mark Barreres at 540-984-8190 The Shenandoah Connection Group Business and Arts Networking The website that is helping to change the way people think about the Internet in The Shenandoah Valley and beyond. It's all about networking ... Long Island Business Network Pennsylvania Arts Small Business Network Western North Carolina Mountains Small Business Arts Networking Shenandoah Valley Musicians Network Small Business and Arts Networking Shenandoah Valley Weddings Shenandoah Valleys Best Kansas City Connection Americana Rhythm Magazine American Sports Collectibles Out of Africa Getting a professional website geared toward your target audience is what the The ShenandoahConnection can do for you! Our desire it to help businesses and individual clients establish or maintain a professional presence on the World Wide Web. Website Promotion by Mark Barreres How Will People Find Your Website? On the First Page of Google! more info If you have any ideas, comments, suggestions or would like to work on a project with us please do not hesitate to call 540-984-8190 or email: markb@shentel.net Our Objective is to foster and encourage creative partnerships between business and the arts... Networking Small Business and The Arts We are looking to network with Art Groups, Musicians, Cultural Art Centers and businesses worldwide. music@shentel.net Americana Rhythm Magazine Art Group Alice in Wonderland Art Atlanta Georgia Wedding Photography 1st Friday Celebration Barrelhouse Bonni Blue Ridge Parkway Skyline Drive Bluegrass Bucky Clark Blues Musicians Network Caribbean Artists Carolina Arts Music Chappalino's Chicago Musicians C'ville Music Cultural Art Centers Chords & Lyrics Corporate Art by Commission Custom Built Guitars Dahlonega Georgia Daytona Musicians Shenandoah Dance Lessons Ed MCcurdy Edinburg VA Concerts Elizabeth City NC Fredericksburg VA Fairfax VA Musicians Florida Small Business and Arts Network Gift Shop Guitar Lessons Guestbook Guitar Builders Vintage Guitars Handmade Guitars Guitar Repairs Guitars Shenandoah Valley House Concerts USA Harrisonburg Musicians Janusz B. Goralski Joe Herbert Kansas City Little Washington, VA Long Island Musicians Long Island Video Productions Lexington VA Arts Luray Va Arts Music Small Business Musicians Metronome Mexico City Musicians Musician Services Music & Art Venues Music Posters Music T-Shirts Musicians Wanted Music Instruction Musical Instruments Shenandoah Valley Ocean City Musicians Open Mics USA PA.Music and Arts Photography Piano Sales Piano Tuning Pinehurst NC Port Angeles Recording Studio Richmond Virginia Ronoake VA Roanoke Virginia Business Networking San Francisco Metro Search Engine Optimization Shenandoah Valley Art Shenandoah Massage Shenandoah Musicians CD's Shenandoah Valley Events Songwriters Virginia Valley Recording Studios Shenandoah Weddings Sperryville VA Musicians Sunrise Florida Arts Music Shenandoah Theatre Virginia Arts Washington DC Musicians Wedding Photography Wedding Services Winchester VA West Virginia Arts and Music Network Virginia Music Woodstock Music Up Coming Stars Cultural Arts Centers USA Musicians Network Vecca Arts Video Productions Western Carolina Musicians West Virginia Musicians Woodstock Music Festivals World Musicians Network If you visit often you may have noticed more changes and events. Check back frequently, as the we are update our pages daily. We hope you find The Shenandoah Connection Network helpful. Should you see something you feel we should know about, have a scoop to add to our news page, or just want to tell us how we are doing, please send an email to music@shentel.net or call us 24/7 at 540-984-8190 Sign up for our newsletter! HERE Special Thanks Goes out to: Americana Rhythm Magazine Featuring Music of the Shenandoah Valley, Central Virginia and the Blue Ridge. When you advertise your Shenandoah Valley business with Americana Rhythm you help support the musical talent of the Valley in which we live. LA NOUVELLE VOIE DE PASCAL VECCA , Joe Herbert , The Art Group , Jeanne Russell , Starship Ed , Bucky Clark , Acoustic Visions , Google.com , VECCA - 7 East Art , Gene Taylor , Steve Barreres, K2CX , Pops Walker, Janusz B. Goralski , LinkPartners - TCA Skin Peel for Cosmetic for Home - Shenandoah Valley Massage School - Roanoke Business Networking - Long Island Business Networking - Strong Island Sound Basketball Team Check out our our link on the BBC - HERE Fine Handbags Out of Africa Shenandoah Valley Web Connection Shenandoah Valley Virginia online guide to small business arts networking, local events in the beautiful Shenandoah Valley of Virginia and West Virginia and beyond.

land for sale. We

Official UK Land Investment Group -- As specialists at investing in land, UK Land Investments source and purchase the very best prime land for sale. We then help our private clients looking to invest in land in the UK build a property portfolio structured to suit their exacting needs. With chronic housing shortages posing a very real crisis in south east England, investing in land is fast becoming a popular investment choice, generating substantial returns over the long-term. Land for sale - sample Mason's Village, George Green, Slough, Buckinghamshire Phase: Phase 1 Price: £18,500 Size: 400m² (approx) Central London only 22 miles away Just 5 miles from M25 motorway (Junction 15) Easy journey into London by car - 30 mins (average) Under 6 miles to London Heathrow Airport 2.5 miles to Slough mainline train station In the current unstable global economy, unpredictable stock markets and underperforming shares have deterred many investors. Investing in land represents a tangible way of investing wisely, capable of out-performing bonds and equities. More At UK Land Investments, we deliver a highly specialised service; not only identifying the very best land for sale, but also assisting our clients with everything from legal advice to lobbying councils on their behalf to acquire planning permission for their land. More Prescott set to allow more greenbelt homes 15/07/2005 (The Guardian) More greenfield sites look set be earmarked for housing under controversial plans to be outlined next week by the deputy prime minister, John Prescott. Infrastructure is the key, says English Partnerships - 18/07/2005 (The Housebuilder) English Partnerships chief executive David Higgins has warned that infrastructure has to keep pace with growth to reduce opposition in south eastern growth areas. 170 Million to speed up planning performance - 22/07/2005 (ODPM News Release) The Government has finalised the highest ever allocation under the Planning Delivery Grant (PDG) to further improve and speed up planning performance. Threat to 'green belt' 50 years on - 03/08/2005 (The Telegraph) Countryside campaigners are marking today's 50th anniversary of the Green Belt by claiming that the protected areas are under threat from development as never before. Brownfield development reaches record level - 28/07/2005 (ODPM News Release) Record levels of previously developed land is being used to deliver the new homes needed for first time buyers and young families. I'm sorry, but for the greater good, the green belt has just got to go - 05/08/2005 (The Daily Telegraph) The green belt, celebrating its 50th birthday this week, is one of those subjects that many of us free-marketeers would rather not think about. People must accept house building plan - 12/05/2005 (Bucks, free Press) Overall annual house building rates in south eastern England will be decided in July by the South East England Regional Assembly (SEERA) South East learns where 640,000 new homes will go - 21/01/2005 (The Times) Plans to build up to 640,000 new homes in the South East over the next ... Councillors vote to redraw Oxford green belt - 30/06/2003 (source: RICS) Oxfordshire councillors have approved plans to build a 1,000 home urban extension... Hill Pleased By Improved Planning Performance 27/06/2003 (source: ODPM) More planning applications are being dealt with at greater speeds according to figures... Housing boom 'at an end' - 16/06/2003 (source: Daily Mail) Last week, Mr Brown repeated his concerns that the economy is hostage to the housing market... Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... -- New Planning Director brings extensive house building experience to UK Land Investments 16/12/05 As part of UKLI's commitment to strengthening its planning team a number of new planning experts have been added to the core team. Head of Strategic Land from George Wimpey joins UK Land Investments 16/12/05 As part of UKLI's commitment to strengthening its planning team a number of new planning experts have been added to the core team. Councillors vote to redraw Oxford green belt - 30/06/2003 (source: RICS) Oxfordshire councillors have approved plans to build a 1,000 home urban extension... Hill Pleased By Improved Planning Performance 27/06/2003 (source: ODPM) More planning applications are being dealt with at greater speeds according to figures... Housing boom 'at an end' - 16/06/2003 (source: Daily Mail) Last week, Mr Brown repeated his concerns that the economy is hostage to the housing market.. Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... Brown backs building and fixed-rate deals - 10/06/2003 (source: The Times) Long-term mortgages and more new homes will ready Britain for the euro... -- This Greenfield site is only part of a larger development we have planned over the next few years at this location. Phase: Phase 1 Price: £12,500 Size: 400m² (approx) -- Call us now on: 0207 49 24 007 Register For free information on our latest land for sale and the chance to save £500 upon purchase simply fill in our quick and easy form below. Title Mr Mrs Miss Dr How did you find us? Not Other When would you like us to call? Office Hours Evening Weekend REGISTER -- If you would like to register with UK Land Investments Group for sales updates and new sites, simply click Register and fill the form. -- Download the latest UK Land Investments' newsletter, detailing current land for sale and providing tips on how to invest wisely in the UK property market. Download UK Land Investments adheres to a stringent list of land investment guidelines. Home | Land Available | Investing in land | About UKLI | Planning | Land News | Resources | Contact | Site Map | Terms and Conditions THE PROPERTY MISDESCRIPTIONS ACT 1991 UK Land Investments Group (UKLI) has produced these particulars in good faith but cannot guarantee total accuracy. Sizes are approximate. Purchasers should verify any detail of importance prior to viewing and purchase. These particulars are not an offer or contract. Comments made in general advertising may not apply to this particular property and of course planning permission cannot be guaranteed. Call UK Land Investments Group for further details.

home equity lines of

Home Equity Lending Gaps in Texas The Texas Economy March 2003 "Texans need and deserve the right to take out home equity lines of credit.This simple change will pump $741 million back to Texas homeowners." -- Carole Keeton Strayhorn, Texas Comptroller Home Equity Lending Gaps in Texas The number of Texans with home equity loans has more than doubled since 1997 when changes in the Texas constitution made it easier for Texans to borrow against the equity they have in their homes. [1] Yet, Texans are still not taking as many home equity loans as residents in other states. In the traditional home equity lending market—the segment that involves a lump-sum payout of equity to be repaid over a set term—Texans seem to have caught up with the rest of the nation. Indeed, the estimated 6.4 percent of Texas home-owners with traditional home equity loans in 2001 is not only up considerably from 2.5 in 1997 but may well be higher than the average for the other 49 states of 5.7 percent (Figure 1). [2] This most likely reflects the fact that one portion of the home equity loan market—the home equity line of credit market—remains unavailable to Texans. An estimated $12.7 billion in higher-cost, non-tax-deductible loans that currently exist could be supplanted if home equity lines of credit were available and Texans used these financial options at the same rate as other consumers in the country. By taking advantage of a substantially untapped resource, Texas consumers could save $741 million annually using home equity lines of credit instead of other loans. These savings could be pumped into the Texas economy through lower interest rates and additional federal income tax deductions. The gains would be realized in the Texas economy if existing loans were merely paid off by homeowners through home equity lines of credit. This need not expand homeowners’ overall debt burden. Home Equity Lending in Texas For more than 160 years, access to the home equity that owners had built up in their residences was largely untapped. As a direct result of the Panic of 1837, Texas prohibited the forced sale of homesteads for all but a very limited number of reasons. When Texas became a state, these protections became part of the state constitution and effectively barred foreclosing on a person’s residence for reasons other than non-payment of taxes, the original mortgage or a home improvement loan. These same provisions also effectively barred tapping into home equity for purposes other than home improvement. But on November 4, 1997, Texas voters approved a constitutional amendment allowing more leeway in home equity lending and for reverse mortgages. [3] These loans became available to Texans in 1998, but some technical issues limited the availability of home equity loans for homesteads larger than one acre and from reverse mortgages. Subsequent amendments addressed these legal concerns. [4] Changes in the Texas Constitution expanded the conditions under which homeowners could obtain a traditional home equity loan. These closed-end loans extend for a specified length of time and generally require repayment of interest and principal in equal monthly installments. Interest rates on these loans are ordinarily fixed for the life of the loan. Growth in Home Equity Lending in Texas Since changing the Texas constitution to allow wider use of home equity loans, Texans have steadily increased their reliance on these loans. According to American Housing Survey (AHS) data on nine Texas metropolitan areas that cover 68 percent of Texas’ owner-occupied homes, only 2.5 percent of Texas homeowners had any form of home equity loan in 1997, substantially less than the 14.5 percent for all U.S. homeowners outside of Texas that same year. By 1999, the proportion of Texas homeowners with a home equity loan had risen to 4.5 percent. While this represents nearly a doubling of home equity loan usage in just two years, this was still slightly less than the estimated 5 percent rate for home equity loan usage in the nation and substantially less than the 12.9 percent estimated by the AHS that year for both home equity loans and lines of credit. By 2001, the proportion of Texas households with home equity loans had reached 6.4 percent. At this level, the usage in Texas actually exceeded the usage rate of fixed-term closed-end loans in the U.S., indicating that Texans may have reached the saturation point with traditional home equity loans. These loans typically are written for a set amount to be repaid in equal installments over a specified time, just like a traditional mortgage. Based on a survey conducted for the Comptroller of Public Accounts of home equity lenders in Texas, from 1998 to 2000, the amount of the average home equity loan was about $36,750. In 2001 and 2002, the average home equity loan jumped to more than $47,000. [5] Closing the Gap Although Texans’ reliance on home equity loans has grown substantially since the passage of the constitutional amendment, further gains may be unlikely. Other states’ average usage of 14 percent in 2001 included both traditional home equity loans and home equity lines of credit, financial instruments not now available to Texas homeowners. The possibility that the usage rate of traditional home equity loans in Texas exceeded the usage rate of similar loans in the nation probably indicates that without the home equity line of credit option, more homeowners are opting for the fixed term loans—their only other choice. During much of the 1990s, about 8 percent of U.S. homeowners had a home equity line of credit whereas about 5 percent of homeowners had a traditional loan. [6] In 2001, AHS data indicated an estimated 8.4 percent of homeowners had a home equity line of credit (HELOC) and 5.7 percent had traditional home equity loans. This newer form of home equity lending has become the preferred choice by homeowners in other states. A HELOC is a revolving account that permits borrowing from time to time, at the account holder’s discretion, up to a set credit limit. HELOCs also typically have more flexible repayment schedules than traditional home equity loans and have a variable interest rate. Most consumers think home equity lines of credit are more convenient than traditional home equity loans. While about 40 percent of consumers cited the tax advantages of both types of home equity credit as an important consideration, 43 percent of HELOC users cited convenience of use as an advantage, compared with only 1 percent of those using the traditional home equity loans. [7] Many of the major lenders in Texas make HELOC loans to homeowners in other states. Their experiences underscore how attractive this option is to consumers. Figure 2 presents the percentage of the amount of home equity loans and lines of credit written in Georgia, Florida and California by three major Texas lenders. [8] About 88 percent of the consumers in these states choose HELOCs compared with about 12 percent choosing traditional home equity loans. Potential Economic Impact of HELOCs in Texas One approach to examining what expanded home equity lending might mean in Texas is to estimate what consumers would save if they had access to HELOCs. Three issues are crucial when estimating this impact: what savings could be expected from lower interest costs; how much would HELOCs lower federal income tax bills; and how large total borrowing might become. Underlying this assessment is the assumption that if Texans had access to HELOCs the total home equity usage in Texas would approach the U.S. average. This implies that consumer use of both home equity lines of credit and traditional loans would reach about 14 percent, 7.6 percentage points up from the 2001 level, which was 6.4 and consisted of only traditional home equity loans. The true economic value of HELOCs to consumers lies in low interest rates and as a deduction from federal income taxes. For example, recent data from February 2003 show that the average interest rate on credit card debt is 13.8 percent, the rate for new auto loans is 5.8 percent and on home equity lines of credit, 4.4 percent. [9] This implies that on a $1,000 loan, annual credit card interest charges would be $138 whereas these charges would amount to only $44 for the home equity line of credit. On $1,000 in outstanding credit card debt, conversion of this debt to a HELOC would save $94 in interest payments annually. But even this neglects the fact that HELOC interest costs are deductible from federal income taxes, whereas credit card interest charges are not deductible. Although each individual’s exact marginal tax rate paid depends on adjusted gross income, the National Bureau of Economic Research estimates that, on average, in 1999 interest deductions reduced income taxes 24.5 cents per dollar of interest paid. [10] This implies that, on average, the $44 in HELOC interest payments would generate an estimated $10.78 in federal income tax savings so that the total consumer savings per $1,000 in credit card debt replaced by HELOC would be $104.78 annually. Savings from other loans would be less dramatic. Based on current rates, car loans would cost $58 in interest charges per $1,000 borrowed, or only $14 more than HELOC. But tacking on the deductibility of HELOC raises this savings to $24.78 annually per $1,000 borrowed. The loans likely to be displaced by HELOC would be a mixture of credit card loans and other consumer loans such as car loans. According to Federal Reserve loan data, consumer debt nationwide at the end of 2002 was divided into $738.9 billion in revolving loans, of which credit card debt is a large part, and $1,017.9 billion in non-revolving loans. [11] Assuming Texas consumers have a similar debt profile, about 42 percent of Texas consumer debt would be in revolving credit and 58 percent in non-revolving. Based on these shares, the average consumer would save an estimated $58.38 in interest and tax payments per $1,000 owed by switching from other consumer credit sources to HELOC. [12] How much Texans could save depends on the volume of consumer loans displaced. Using 2001 commercial bank data to update national figures indicates that the traditional home equity loan market in the U.S. reached $352.7 billion, up from $267 billion in 1997. Considering Texas’ share of home equity loans and the average per loan value, Texans account for an estimated 8.4 percent of the U.S. market for traditional home equity loans. Based on this percentage and assuming that Texans would use both traditional and HELOC loans at the national rate, Texas consumers would exchange $12.7 billion in existing loans for HELOC. In doing so, Texas homeowners would save $741 million in interest charges and federal income taxes annually. This would be a modest level of savings. The Federal Reserve Board estimates that households spend about 8 percent of their disposable personal income servicing the debt on revolving loans. [13] The $741 million annual savings from increased use of HELOCs would be about 1.7 percent of the annual amount Texans spend on debt service for revolving loans. [14] Home Equity Delinquencies If Texas consumers relied more on home equity lines of credit and followed national trends, loan delinquencies would likely fall. Based on American Bankers Association data (Table 1), Texas averages fewer loan delinquencies for closed-end home equity loans than consumers at the national level. Loan delinquencies did rise in Texas from 1999 to 2001, but dropped off in 2002. Table 1: Texas Home Equity Delinquency Rates Compared to All Other States Home Equity Delinquency Rates and All States First Mortgage Delinquency Rates* Closed-End** Home Equity Loans(1) Home Equity Lines of Credit(1) All States - First Mortgages(2) Texas All States All States Conventional FHA VA 2002 0.99% 1.30% 0.59% 3.06% 11.55% 7.87% 2001 1.17 1.28 0.73 2.96 10.78 7.67 2000 0.88 1.20 0.75 2.50 9.10 6.80 1999 0.77 1.26 0.62 2.60 8.60 6.80 * Delinquency Rates are based on the number of Loans Past Due 30 Days or More as a Percentage of Loans Outstanding. ** "Closed End" includes home equity and second mortgages (but not home improvement). SOURCES (1)Home equity delinquency rates obtained from "Consumer Credit Delinquency Bulletin" published quarterly by American Bankers Association. (2)First mortgage delinquency rates obtained from "U.S. Census Bureau, Statistical Abstract of the United States, 2001" and Mortgage Bankers Association of America "Quarterly Delinquency Surveys." But nationwide, loan delinquencies for lines of credit are slightly more than half the rates seen for closed end home equity loans. Based on this pattern, a shift towards using home equity lines of credit from traditional home equity loans should lower overall home equity delinquency rates. Compared with first mortgages, the delinquency rates for both home equity loans and lines of credit are substantially lower. Summary The use of home equity loans in Texas has risen dramatically following constitutional changes in Texas in 1997. Use of closed-end traditional home equity loans in Texas exceeds nationwide use. The fact that home equity lines of credit are not available in Texas contributes to a higher reliance on traditional home equity loans. But the strong consumer preference expressed for HELOCs in other states and consumer preference for their ease of use may indicate that continued expansion of lower interest, tax deductible home equity financing by consumers in Texas may slow without access to these loans. If Texans were to use home equity financing only up to the national average through HELOCs, lower interest payments and lower federal taxes would save Texas consumers $741 million. Making HELOCs available to Texas consumers would require passing another constitutional amendment and legislation proposing such amendments will likely be introduced during the current legislative session. If the nature of consumer safeguards and other requirements on lending institutions in Texas making HELOC loans were significantly more restrictive than national practices, interest rates on these loans in Texas could be higher than national rates, and the economic impacts less. Data Collection While banking and finance are two of the most heavily regulated industries, this level of scrutiny does not always result in the availability of detailed information. Since 1987, banks and finance companies have reported home equity lines of credit under receivables on quarterly Call Reports and since 1991 have also separately reported their holdings of traditional closed-end home equity loans. Mutual savings banks also report these data on Federal Reserve Board Call Reports. Other segments of the financial industry report this information to varying degrees. Savings and loan associations and federal saving banks report credit line receivables on Call Reports, but they do not separate home equity loans from first mortgages. Since June 1996, finance companies have reported commercial and residential mortgages separately but do not distinguish between loans under lines of credit and traditional loans. Credit union data is available on both types of home equity debt from the Credit Union National Association. At the national level, some data track the degree to which consumers utilize the various home equity loan alternatives. Every two years the Federal Reserve Board surveys consumers’ use of credit. This data, while instructive on overall trends and the use of home equity loans and lines of credit, does not contain information about practices in particular states. Moreover, much of the state-specific data collected from financial institutions is available primarily for the location of the financial institution involved, and not where the loan was made. Where this data are available, coverage by type of financing (home equity loan versus line of credit) is limited. The Texas-specific data in this analysis is derived largely from two sources. First, the U.S. Bureau of the Census surveys about 60,000 Americans every two years about housing conditions. This survey includes questions about the usage of home equity loans, but only the most recent survey, from 2001, elicits responses on traditional home equity loans separately from home equity lines of credit. Because this survey is national, there is only partial coverage of Texas. Specifically, publicly available data from the survey identifies only responses coming from nine metropolitan areas in Texas. Although the sample does contain responses from non-metropolitan areas, these are not identified by state. The Census survey covers about 68.2 percent of the Texas population. The second source of data is internal surveys of lending activity conducted by lending institutions doing business in Texas. These institutions cover more than 10 percent of the Texas market for commercial financial institutions and financial companies. These data are used to identify the potential to expand home equity lending in Texas if lines of credit became available. Endnotes [1] In 1997 and before, availability of home equity loans in Texas was limited to home improvement loans, loans to pay outstanding taxes and loans allowing one spouse to “buy out” another in the case of divorce. Such loans were typically known as a second lien against the property. Homeowners could not secure a loan backed by the equity in their home and use the proceeds of the loan for purposes other than those specified in law. Outside of Texas, using home equity loan proceeds for whatever purpose and even the more flexible home equity line of credit (a revolving line of credit secured by home equity) have been widely available for years. [2] The tentative nature of this statement stems from what seems to be respondent confusion to the American Housing Survey (AHS). In the 2001 AHS, 14 Texas households identified themselves as having a home equity line of credit in 2001. Since these lines of credit currently cannot be offered in Texas, the most likely explanation for this is that these respondents misunderstood the “line of credit” option in the survey as describing the “draw down” feature of a home improvement loan during construction when, in fact, these instances were almost certainly traditional “closed end” loans. Placing these responses in that category indicates that 6.4 percent of the homeowners in the survey in Texas had a closed-end home equity loan as compared to only 5.7 percent in states outside of Texas. [3] House Joint Resolution 31 (HJR 31) passed by the 1997 Legislature that, upon passage, became effective January 1, 1998. [4] On November 2, 1999, Texas voters approved constitutional amendments proposed by the 1999 Legislature to address these problems, Senate Joint Resolutions 12 and 22 (SJR 12 and 22). [5] Data submitted by lenders in early 2003. For number and amount of loans in Texas, the survey included five large Texas lenders. [6] Glenn B. Canner, Thomas A. Durkin and Charles A. Luckett, “Recent Developments in Home Equity Lending,” Federal Reserve Bulletin, April 1998, p. 243. [7] Canner, Durkin and Luckett, pp. 241- 251. [8] From data submitted by lenders. Together these three lenders serve more than 10 percent of the commercial banking market in Texas. [9] These rates and those of HELOCs are from http://www.bankrate.com/ on February 18, 2003. The credit card rate is for a standard card (not gold or platinum) at a fixed annual rate. The auto loan figure refers to a 48-month loan for a new car. The HELOC rate is for a $10,000 or minimum amount. [10] http://www.nber.org/~taxsim/mrates/mrates2.html , February 20, 2003. [11] Federal Reserve Board Statistical Release, G.19, Consumer Credit, February 7, 2003. http://www.federalreserve.gov/releases/g19/current/ . [12] This is a fairly conservative assessment on two points. First it assumes that consumers would replace current borrowing in proportion to the amount borrowed of each type without consideration of the interest rates charged for each type of borrowing. A more rational approach would be to replace all of the most costly borrowing first. Secondly, new car financing rates are among the lowest cost loans available and this probably underestimates the interest costs of non-revolving loans. [13] http://www.federalreserve.gov/releases/housedebt/default.htm , February 19,2003. [14] Disposable personal income in Texas is estimated to be $535.2 billion in 2001. Carole Keeton Strayhorn Texas Comptroller of Public Accounts Window on State Government Contact Us Privacy and Security Policy

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Welcome to FHLB Cincinnati! -- -- Members Only Login User Name: Password: -- Terms and Conditions Privacy Policy Many documents on this site require Adobe Acrobat. Download Now Housing Workshops The FHLBank is holding regional workshops on the Affordable Housing Program (AHP) and Welcome Home program from January 19 through February 2 throughout the District. The AHP workshops will focus on the online AHP application, which opens February 1 with a deadline of March 31. Some of the topics included in the Welcome Home workshops are eligibility; program changes for 2006; and reserving, requesting and receiving funds. The Welcome Home program will open on February 1. FHLBank Cincinnati's Fourth-Quarter Dividend Approved The Federal Housing Finance Board's Office of Supervision has approved a fourth-quarter dividend of 5.75 percent per annum for the period October 1, 2005 to December 31, 2005, compared to 4.875 for the third quarter. This dividend will be paid in the form of additional shares of capital stock on December 31, 2005. FHLBank Closed Monday, December 26 and Monday, January 2 In observance of Christmas Day and New Year's Day, the FHLBank will be closed on Monday, December 26 and Monday, January 2. Happy holidays to all! Year-End Deposit Pricing, Advance Requests, and Funds Transfer Notices Due to the potential for volatility in the Federal funds market during the holiday season, the FHLBank has modified the following policies and procedures related to its services. The FHLBank will reserve the right to price funds from incoming wires received after 2:00 p.m. EST, at the prevailing rate at that particular time. In order to ensure same day credit for incoming wires, the wire transfer must be received by 3:00 p.m. EST . In addition, the FHLBank requires that all advance, securities, MPP activity and deposit program transaction requests, as well as outgoing wire transfer requests, be made prior to 2:00 p.m. EST on December 23 and 30. New Neighbors Hurricane Assistance Program The New Neighbors program was created by the FHLBank to provide housing assistance to households displaced by the 2005 hurricanes. Member institutions and their partner sponsors can obtain grants of up to $20,000 per rental or owner-occupied unit. The next deadline for rental applications will be announced in January, 2006. The New Neighbors Homeownership Program is an open window and available on a first-come, first-served basis. For more information, click here . CMA/Var 1 day 4.41% 1 month LIBOR 4.49% 3 month LIBOR 4.61% Reg Fixed 7.00 yrs 5.06% MMA 10 yrs 5.64% MMA 15 yrs 5.81% SPMMA 10-5% CPR 5.27% SPMMA 10-15% CPR 5.23% SPMMA 15-10% CPR 5.28% Rates Posted 12/29/2005 2:16:59 PM List of advance rates investor relations mark your calendar FHLBank 2006 Dates • holiday schedule • regional stockholder meetings • housing workshops • housing deadlines

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Resources: Fannie Mae-Owned Property Search Our Business Is The American Dream Search Home Fannie Mae News Media Initiatives Issues & Commentary Translated Documents About Us About Fannie Mae Corporate Governance Investor Relations Careers For Business Partners Affordable Housing & Community Development Single-Family Multifamily Tools & Resources Debt Securities Mortgage-Backed Securities For Home Buyers & Homeowners Homepath Find a Mortgage Find a Lender Search Resources Calculators Checklists, Tip Sheets & Worksheets Counselors & Agencies Fannie Mae-Owned Property Search How Fannie Mae Saves Home Buyers Money Glossary Fannie Mae-Owned Property Search To help your search, please provide the state where you want to search for a property. Or, for a more specific search, provide the state and city; the state and ZIP code; or the state, city, and ZIP code. You can also search for a specific property type by selecting either single-family, 2-4 unit, or condo/co-op from the "Property Type" drop-down menu. You can sort your results by price, type of property, or ZIP code by selecting from the "Sorted By" options. Your use of the Fannie Mae-Owned Property Search is subject to the following terms and conditions. Price Range: No Minimum $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 More than $1,000,000 to $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 No Maximum City: (To include multiple cities, separate each city by a comma.) State (required) : Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, DC West Virginia Wisconsin Wyoming Guam Puerto Rico Virgin Islands ZIP Code: Property Type: Any Single-Family 2-4 Unit Condo/Co-op Sorted By: No Sort City Price Type Zip ©1998-2004 Fannie Mae Contact Us FAQ Site Map Advanced Search Privacy Legal