Home Equity Community Lending

Fremont Bank - Home Equity Locations Contact Us Fraud Prevention Help Site Map Apply For A Loan Search For Rates Loan Calculator Check Application Status Mortgages Home Equity Community Lending Resource Center Home Equity Need extra cash for remodeling, education or other expenses? Use your home's equity to get more out of life. You can save money and time by consolidating debt such as high interest rate credit cards and installment loans into one lower monthly payment. Through Fremont Bank, you can take advantage of loans with very attractive options, so you can fit your payments to your budget. And our loans offer No Closing Cost options. Home Equity Loans Home Equity Loans are a great way to use the equity in your home for a one-time major purchase. With a home equity loan, you will receive the entire amount of the loan upfront and your interest and payments will be fixed. For more information, please call (866) 359-0168. More Information Home Equity Lines of Credit The PrimeMinus home equity line of credit is like revolving credit where your house is collateral. It allows you to use the equity in your home for debt consolidation, remodeling, or a major purchase at rates lower than most credit cards. More Information Call us at: (866) 997-7359 or Email Us today. Apply Online Ready to apply for a home loan? Applying online is fast and easy. Apply Now PrimeMinus With our PrimeMinus Home Equity Line of Credit, you have access to cash when you need it. Rates always below Prime! More Information PrimeMinus 1st Get more options with our PrimeMinus 1st home equity line of credit - up to 1 1/2% below Prime More Information Home Privacy & Security Terms of Use Locations Contact Us 2005 Fremont Bank. All rights reserved.

New Homes and New

New Homes and Home Builders - iNest Search for New Homes and New Home Builders Get a 1% Cash Back Coupon Search for New Homes and New Home Builders iNest is the easy way to search and compare new homes from leading home builders and get a 1% Cash Back Rebate . That's $2,000 on the purchase of a $200,000 home! Find out more. iNest is the leader in providing cash back to new home buyers Rebates: $27,239,686 Sales: $2,742,000,000 Home Buyers: 12,900 Communities: 10,538 SEARCH BY STATE: -- Choose 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 West Virginia Wisconsin Wyoming Browse through our listing of leading home builders. Search for New Homes by Metro Area: • Albuquerque New Homes • Atlanta New Homes • Austin New Homes • Baltimore New Homes • Boise New Homes • Charleston New Homes • Charlotte New Homes • Chicago New Homes • Cincinnati New Homes • Cleveland New Homes • Colorado Springs New Homes • Columbus New Homes • Dallas New Homes • Dayton New Homes • Denver New Homes • Des Moines New Homes • Detroit New Homes • Durham New Homes • Fort Collins/Loveland New Homes • Fort Myers New Homes • Fort Wayne New Homes • Fort Worth New Homes • Grand Rapids New Homes • Greensboro New Homes • Greenville-Spartanburg New Homes • Hampton Roads New Homes • Houston New Homes • Indianapolis New Homes • Jacksonville New Homes • Knoxville New Homes • Kokomo New Homes • Lafayette New Homes • Las Vegas New Homes • McAllen New Homes • Memphis New Homes • Milwaukee New Homes • Minneapolis New Homes • Nashville New Homes • Omaha New Homes • Orlando New Homes • Phoenix New Homes • Philadelphia New Homes • Pittsburgh New Homes • Portland New Homes • Raleigh New Homes • Richmond New Homes • Salt Lake City New Homes • San Antonio New Homes • Sarasota New Homes • Seattle New Homes • St. Louis New Homes • Stockton New Homes • Tampa New Homes • Washington D.C. New Homes • Winston-Salem New Homes Testimonials | In the News | Privacy | About Us | Home Builders Only | Hablamos Espanol The iNest Web site is a service of iNest Realty Inc., Bloomingdale, IL. Phone: (800) 541-8562. E-mail © 1997 - 2005 iNest Realty Inc. All rights reserved worldwide. iNest processes and technology are patented under US Patent No. 6,578,011. Terms and Conditions - Security - Affiliated Business Disclosure Partner sites: RealEstate.com | LendingTree | ServiceMagic

Sell House

Tips on Buying and Selling Your House Remarked out per Bob Gent 4/11/02 -- TIPS TO HELP YOU SELL YOUR HOME MORE QUICKLY Owners can help expedite the sale of their home by following a few guidelines to make the house more attractive to potential buyers. A thorough self-inspection and a walk-through with your real estate agent can reveal imperfections that might hinder a sale. (Please note: in Washington state, as in many other states, the seller must complete a "Real Property Transfer Disclosure Statement" form about the condition of property being offered for sale. Material defects must be disclosed.) House-hunters typically begin their inspection of a property bypreviewing its "curb appeal." A surprising number ofhomes are eliminated from consideration before potential buyersget out of their car because they find the exterior appearanceunsightly or uninviting. Following are some basic suggestions for improving the marketabilityof your home. Examine the lawn and flower gardens, making sure the lawnis mowed and free of drainage problems. Colorful flowers andshrubs can enhance the home's attractiveness. Check the sidewalks and driveway to make sure they're freeof weeds and clutter. Inspect the home's exterior, looking for loose, missing ordamaged siding and brickwork, a cracked and uneven foundation,and gutters, downspouts or fences that are in disrepair. Paintor repair any problem areas. Clear the decks! Clean decks, patios and steps, removingunnecessary furniture, toys and debris. Tidy up any pet areas. Inspect the front door. A fresh coat of paint or stain anda clean doormat can help create an inviting "first impression." Check lighting, making sure pathways and entry have adequateillumination. Inside the home, you should conduct an equally thorough inspection,since potential buyers are likely to open doors and cupboards,look into, look behind and operate everything to make sure thehome offers the space, layout and features they need. Extensiveredecorating isn't usually recommended, but all rooms should beclean and clutter-free. Think "light," "bright,""open" and "airy." Clear rooms (including closets and storage areas) of everythingbut the basics. Arrange furniture so rooms look spacious. Remove clutter from the basement and garage. Sweep floors,degrease spots and dust. Have carpets and drapes professionally cleaned. Patch walls and ceiling cracks, then repaint or wallpaper,using neutral shades. Check the basement for musty smells and signs of mildew orleaks, correcting any defects. Inspect bathroom and kitchen fixtures to make sure they sparkle,are leak-free and are otherwise functioning well. Remove stainsfrom countertops, sinks, tubs and showers. Test major mechanical components, including the furnace, waterheater and electrical system. Make sure windows and doors open and close easily. Replacecracked or scratched glass. Be aware of the amount and type of insulation. DETERMINING HOW MUCH HOUSE YOU CAN AFFORD Low mortgage rates and special incentives for first-time buyersare making the dream of home ownership a reality for more individualsand families. As you begin your search, you'll want to determinehow much house you can afford and what type of mortgage is bestfor your budget. In general, four factors will influence your ability to buy thatdream home. They are: how much of a down payment you will make. The more cash youput down, the less you'll have to borrow. the amount you need to borrow (your mortgage) to cover a monthlypayment for the loan principal (amount borrowed), interest ("price"charged for your use of the lender's money), taxes ( a portionof property taxes), and insurance. the mortgage interest rate. the repayment terms of your loan. When applying for a mortgage, your current earnings and expectedincome during the next few years may influence your borrowingpower. Outstanding long-term debt and how long you expect tostay in the home you're buying may also be considered. Most realty agents recommend getting preliminary approval fora loan, usually by getting "pre-qualified" or "pre-approved"for a certain monthly payment. Getting approved for a loan requireshaving a lender verify your financial situation, including yourcurrent assets (income, savings, investments and other sourcesof revenue) and your liabilities (existing loans, credit cardbalances and other obligations). Using this information, thelender will evaluate whether there are sufficient funds for thedown payment, whether you have adequate income to make monthlypayments, and your overall credit-worthiness, which is based ona review of your borrowing history. According to many real estate professionals and lenders, the biggestreason people get turned down for a loan is poor credit. Reviewingyour credit status and correcting any mistakes before applyingfor a loan can help you avoid surprises or disappointments. Consumersmay request a copy of their credit report from one of three majorreporting services: Equifax: 1-800-685-1111 Trans Union: 1-800-851-2674 Experian: 1-888-EXPERIAN (1-888-397-3742) A small fee may apply, although if you've been denied credit recently,federal law mandates that the lender tell you which company suppliedthe information. You have a right to a free copy of your reportfrom that company so long as you request it within 30 days ofthe credit denial. Pre-qualification, based on numbers you supply to a lender, isan indication of the range of what you can afford. Getting pre-qualifiedis neither a commitment to loan you money, nor is it an obligationby you to borrow from a particular lender. Lenders typically use one of two guidelines when evaluating aloan request. Most lenders will limit the loan amount to a percentageof your gross monthly income or to a multiple of your annualhousehold income. As a general rule, individuals or families can usually handlea housing payment that amounts to 25- to-28 percent of their grossmonthly income. Following this guideline, if gross monthly incomeis $3,500, monthly payments (inclusive of taxes and insurance)in the range of $875 to $980 are considered reasonable. Somelenders use an alternate ratio that allows 36 percent of totalmonthly income for housing expenses and other long-term debts,such as car loans, credit card payments and obligations for childsupport. (Monthly living expenses for utilities, groceries, entertainment,medical and auto insurance are not calculated in this formula.) Another guideline, based on gross annual household income, assumesmost borrowers can afford up to 2.5 times their gross annual income. This means a borrower with total income of $40,000 may qualifyfor a loan of up to $100,000. Whether using a "multiplier method" or a "percentagemethod," prospective home buyers should allow for closingcosts and moving expenses. (Closing costs are the fees and taxesthat are paid when the deed is transferred. These usually amountto 5-to-10 percent of the mortgage amount. Moving expenses includecosts for movers, as well as "move-in" deposits forutilities and other "necessities"). Many lenders provide work sheets and charts to help you calculateyour borrowing power, along tables so you can compare paymentsat different rates and for different loan periods. (Some realestate brokers and financial institutions even have "mortgagecalculators" on their Internet site to help you determinewhat you can afford.) Your borrowing power can be increased with favorable interestrates and terms. With lower rates, you can borrow more money. Different types of loans and the duration of the payback periodwill influence the interest rate that will be applied to yourmortgage. In general, the shorter the term of the loan, the lowerthe interest rate. There are dozens of different types of mortgage programs froma wide variety of financial institutions, including mortgage companies,saving and loan associations, commercial banks and credit unions. Prudent consumers will find it pays to compare options to findthe right loan for their particular situation. THE MULTIPLE LISTING SERVICE (MLS) A multiple listing service is a system for collecting and organizinginformation on available properties in a given area. Such informationis shared by members who agree to cooperate with each other andto abide by certain operating procedures. This service enablesbuyers to have a vast selection of homes to consider, while sellersbenefit from having their property exposed to a large networkof real estate professionals and their clients. Most brokers in the Seattle-Everett-Tacoma area are members of the Northwest Multiple Listing Service (NWMLS), formerly called Puget Sound Multiple Listing Association (PSMLA). More than 1,300 companies with approximately 15,000 licensed sales professionals currently belong to this independent association. In addition to its primary function of maintaining a comprehensive database on thousands of properties, NWMLS produces various legal forms, publications and reports for its members. The "multiple" also maintains an electronic keybox system, which allows access to listings by authorized agents. Other benefits include an array of computerized services to assist with property searches, financial analysis, communications between offices, and access to data on property taxes, local schools and other information. Ongoing training and technical support are also available to NWMLS brokers and agents.