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Boston.com / Real estate Buying Renting Recent sales Place an ad Luxury Living Community data Financing Commercial Moving Guides How to solve appraisal problems By Inman news MORE Having an appraisal done on your home is essential, whether or not you plan on selling. Loan calculators NEWS LINK NEWS LINK RESOURCES For Sale: Homes | Condos | Open Houses For Rent: Apartments | Houses | Roommates Vacation rentals Place an ad: On Boston.com | In the Globe Commercial: Search listings for sale or rent An appraisal is a dispassionate, third-party estimate of the value of a piece of property. It can either give you peace of mind by affirming your offering price or it can put the kibosh on a transaction entirely. As part of your loan application, you will pay for your lender (typically $200 to $400) to order an appraisal to estimate the current market value of the home you want to buy. You may also opt to hire an appraiser yourself before you make an offer to help you determine the price you bid on a house. Lenders require appraisals before they will approve and fund a loan in order to ensure that the home is worth the amount of money you are asking for. While most appraisals match up with what buyers want to borrow, some do not, which can send a lender backing out of your loan commitment. Understanding how real estate appraisals and appraisers work can help you deal with the consequences. Why do appraisals go awry? Most appraisal problems boil down to two things: incomplete information on the property or incompetence of the appraiser. Incomplete information often comes with the appraisal territory. All appraisals must conform to guidelines set by the Federal Reserve, but ultimately every appraisal is a subjective analysis of a property's current market value. To arrive at that number on your house, an appraiser will compare your house with that of three comparable homes in the area that have sold within the past six months and adjust for differences in the properties. They will photograph, measure and inspect the home (do NOT consider this your home inspection, however) to help them make their comparisons. But true market value can be difficult to ascertain in markets where prices are volatile and properties widely vary. Incompetence in the field can cause appraisal problems, too. Not all real estate appraisers are created equal in terms of licensing and education. While federal licensing requirements for everyone are being phased in, only about half the states currently require appraisers to be licensed, though most states do require appraisers to pass a written examination and have 75 hours of continuing education and 2,000 hours of direct experience. Inexperience can be a big culprit in a problem appraisal, so can downright incompetence. Boosting the appraisal A lender probably will reject your loan application if the appraisal of the property comes back lower than the asking price. But you can fight a low-ball appraisal. Here's how: Get a copy of the appraisers report. You can successfully argue to raise the estimated value if you show that the report overlooks a valuable feature of the home or failed to consider the recent sale of comparable property for a higher price. Take your case to your loan representative. The lender can override the estimate or order a new report from a different appraiser. Try to renegotiate with the seller. The seller may be willing to accept less than you originally agreed to pay in order to avoid the time and cost required to cancel the sale and put the house back on the market. Increase your down payment. The lender may be willing to overlook a low appraisal if you put more money down. Find a good appraiser Ask your lender for the names of appraisers they know, trust and have on their list of approved appraisers. You also can check with one of several national appraisal organizations for names of local appraisers who are members in good standing. Look for an appraiser who can do your appraisal in a timely manner and who has experience in the area you want to buy. This can help speed things along, and assure you of an accurate appraisal. TIP: If you do choose an appraiser from your lender's list to check out a house, and you end up making an offer, you may not have to pay again for the required loan-application appraisal. Quick Take If you have any question about the value of the house you are bidding on, add an appraisal contingency to your purchase offer. This provision stipulates that the property must appraise for at least the purchase price you're offering. If the appraisal comes in lower, you can back out of the deal or renegotiate price. feedback | help | site map | advertising | globe archives | rss © 2006 The New York Times Company Real Estate Guide - Massachusetts Home Builder - New Home Construction

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BLM Info: Land for Sale? Return to Federal Citizen Information Center Home Page Printer-friendly page -- ARE THERE ANY PUBLIC LANDS FOR SALE? Does the Federal Government ever sell public land? The answer is yes. Lands identified as excess to the public's andGovernment's needs or more suited to private ownership are sometimes offeredfor sale. This brochure explains the procedures and where to go for moredetails. First, it's important to understand the Federal Government has twomajor categories of property which it makes available for sale: real propertyand public lands. Real Property is primarily developed land withbuildings, usually acquired by the Federal Government for a specific purpose,such as a military base or office building. If you are interested in realproperty, contact the General Services Administration (GSA). This Federalagency is responsible for selling developed surplus property. Addresses andtelephone numbers for the GSA regional offices are listed in the back of thisbrochure. Public Land is undeveloped land with no improvements,usually part of the original public domain established during the westernexpansion of the United States. Most of this land is in the 11 Western Statesand Alaska, although some scattered parcels are in the East. This land is theresponsibility of the Department of the Interior's Bureau of Land Management(BLM). (Note: Because of land entitlements to the State of Alaska and to AlaskaNatives, no public land sales will be conducted in Alaska in the foreseeablefuture.) The BLM does not offer much land for sale because of a congressionalmandate in 1976 to generally retain these lands in public ownership. The BLMdoes, however, occasionally sell parcels of land where our land use planningfinds disposal is appropriate. We receive numerous questions about land sales and have prepared pageto answer the most common ones. You may also obtain more detailed informationfrom one of the -- BLMstate offices . Where are these public lands? Almost all are in the Western States of Alaska, Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, and Wyoming. There are also small amounts in Alabama, Arkansas, Florida, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Nebraska, North Dakota, Ohio, Oklahoma, South Dakota, Washington, and Wisconsin. There are no public lands managed by the BLM in Connecticut, Delaware, Georgia, Hawaii, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Vermont, Virginia, and West Virginia. Is any of this land available free through homesteading? No. Congress has repealed the Homestead Act. What lands are available? Although homesteading is a thing of the past, the BLM does have some lands suitable for purchase by private citizens. These are lands that have been identified as unneeded by the Federal Government or as better utilized in private ownership. By law, these lands are made available for sale at no less than fair market value. How are these lands selected for sale? The law states that the BLM can select lands for sale if, through land use planning, they are found to meet one of three criteria: 1) they are scattered, isolated tracts, difficult or uneconomic to manage; 2) they were acquired for a specific purpose and are no longer needed for that purpose; or 3) disposal of the land will serve important public objectives, such as community expansion and economic development. What do the lands look like? Land types vary widely. Some may be desert; some are rural. Some are small parcels of just a few acres; some are several hundred acres in size. Is any land suitable for farming? Any lands with agricultural potential will be clearly identified in the sale notice. However, most public lands have little or no agricultural potential. On the average, what would public land cost per acre? There is no "average" cost. Each parcel is evaluated separately through established appraisal procedures, based on the value of surrounding parcels. Fair market value is determined for each parcel. No parcel can be sold for less than fair market value. How is the land actually sold? The BLM has three options for selling land: modified competitive bidding where some preferences to adjoining landowners are recognized, direct sale to one party where circumstances warrant, and competitive bidding at public auction. The sale method is determined on a case-by-case basis, depending on the circumstances of each particular parcel or sale. Are there any preferences for veterans? No laws currently exist allowing the BLM to give veterans any preference for land purchases. Where can find out about land that is going to be sold? Your best source is the BLM office with jurisdiction over the area you're interested in. The BLM State Offices and their jurisdictions are noted in the back of this brochure. They can send you sale information. Sale information will also be published and broadcast in local news media. Where are land sales held? They are held near the area to be sold, either at the local BLM office or in a suitable public location. Sales by the BLM are not held in Washington, D.C. Are there any restrictions on who can bid on these parcels? Federal law states that the BLM can sell public land only to U.S. citizens or corporations subject to Federal or State laws. Must I appear in person to participate at the sale? Your personal appearance is not required, but it is always to your advantage to examine the parcel and know exactly what you are bidding on. Sales can be conducted by oral bid, sealed bid, or a combination of both. However, even if only oral bidding is allowed, you can be represented by an agent. Details on procedures for a particular sale are specified in the sale notice available from the BLM. The notice will specify type of sale, the percentage of the full price that must be deposited with each bid, and the time period allowed for full payment. The highest qualified bidder is eligible to buy the land; the deposits of unsuccessful bidders are returned Now is payment made? Is there financing available? A certain minimum percentage of the full price is required with each bid. If you are the successful high bidder,the balance must be paid in full to the BLM within a set period of time before a deed or patent can be issued. Long-term financing must be arranged through private lenders. Once the BLM issues my deed, can I do anything I want with the land? Yes, according to the terms of the deed and subject to State or local restrictions. The sale notice will clearly specify any Federal reservations or conditions of sale. These might include reserving mineral rights to the Federal Government, or allowing some currently authorized uses, such as grazing, to continue for a certain period of time, or reserving rights-of-way or easements for powerlines, pipelines, etc. You are advised to review these conditions carefully so that you fully understand what your deed does and does not include. What about local taxes, zoning, etc.? Once you receive title, the land is subject to all applicable State and local taxes, zoning ordinances, etc. Are water, power, and sewer service available on all parcels? You should check with the city or county involved to see if such services are available. Are there roads or easements that guarantee I can get to the property? The sale notice will explain legal access to the property or any access restrictions. You are advised to check out the parcel before you buy, including finding out if available access meets your needs. I'd like to find out what parcels the BLM currently has listed for sale. Where can I obtain that information? The -- BLM State Offices are your best source. They can tell you what sales are currently scheduled and what prospects are coming up. You can write, call, or visit them periodically for latest details. If a sale is currently scheduled, information can be requested from the BLM describing the property and method of sale. More detailed information, such as land reports, environmental assessments, etc., is also available upon request for a small copy fee. TAX DELINQUENCY SALES Some local governments sell private land on which taxes have been delinquent to satisfy the tax debt. The Federal Government has no involvement in these sales. The best source for information is the local county tax assessor in the area involved. STATE LAND PROGRAMS State governments sometimes sell state-owned land. Information on these types of sales can be obtained through the State Lands Office in the State capital. Return to Federal Citizen Information Center Home Page Printer-friendly page --

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Bank of Hawaii | Land Loans e-BANKOH SIGN ON Select One ----------------------- Hawaii/Am. Samoa Guam/Saipan/Palau Learn More | Demo | Enroll Other Online Services Sign On Learn More Select one ----------------------- E-BANKOH - Hawaii & Am. Samoa - Guam/Palau/Saipan ----------------------- CREDIT CARD MGMT. ----------------------- INVESTING/WEALTH - Online Investments - Online Trust - Online 401(K) ----------------------- REG. SHAREHOLDER Customer Service Center 1-888-643-3888 (TTY 1-888-643-9888) Re-order Checks Download the Bankoh by Phone Quick Reference (PDF) Open an Account (existing customers) Apply for a Loan More Financial Planning Tools Budgeting Buying a Home Planning for Retirement Borrowing More Contact Us Locations Economics Security About BOH Community -- News Room Checking | Savings & Time Deposits | Loans | Cards | Investments & Wealth Management | IRAs | Other Land Loans The foundation to build your future. Related Links Mortgages Mortgage Rates Loan Officers How Do I Apply? Mortgage Calculators Glossary To Apply Contact a Loan Officer. Got your eye on a hot property, but not quite ready to build? A Bank of Hawaii Land Loan can help you lay the groundwork. Features and Benefits: Loans from $10,000 up to $1,000,000. Lower monthly payments. Available for owner-occupant, second home, and investor purchases. Requirements and Other Restrictions: Certain requirements and restrictions apply. Subject to loan approval. Not valid with any other offers. Careers Site Index Privacy Policy Terms of Use

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Guide to Buying Property Abroad Featured Homeowner Loans at Loansite Get a loan fast - complete our easy form for low rates and a friendly service. Use Loansite to get low-APR deals on loans and mortgages in the UK. l www.loansite.co.uk Home Property and Bills Property Abroad Thu, 29 Dec, 2005 BUYING PROPERTY ABROAD Breaking News Mailing List Alert me to site updates Related Links Secured Loan Selector Unsecured Loan Selector Mortgages Loan FAQ's Unsecured Loans Loan Calculator Loan Best Buys Secured Loans Home Improvement Loans Loan Directory Loans Currency Exchange Currency Enquiry Secured Loans Buy Overseas Property Get the house you always dreamed of with Vilamoura sunset villas. Situated in the heart of the Algarve, our property is perfect for a holiday home in the sun. l clk.atdmt.com Property in Bulgaria Specialists in Bulgarian property. From city to mountain to the coast, we have a wide range of properties available exclusively for our clients. l www.bulgariandreams.com Buying Property Abroad If you are thinking about buying property abroad, start by applying the same principles as buying a property in the UK. Firstly do your research. This means taking a trip or holiday to the destination. Talk to locals, expats, those who have already bought in the area. Never underestimate the importance of doing thorough homework on the location. Find yourself a good local lawyer, preferably one who is fluent in English as well as the native tongue. If you can, talk to people who have used this lawyer before. The lawyer should be well versed in the local regulations, laws and procedures. In Spain you will have to make out a local will before buying. When transferring money abroad, be aware that most High Street banks in the UK charge a higher rate of commission than can be obtained from a foreign exchange specialist (for example ask for a quote from Excel Currencies and compare with the amount of destination currency quoted by your High Street bank). With properties costing from £20,000 upwards, a half-percentage point difference in rates can translate into hundreds of pounds saved. Understand that the costs of buying are usually higher than in the UK. Find out what the local taxes are for selling as well as buying. In some Eastern European countries, it may be cheaper in the long run to set up a company to own the property. Buy Overseas Property Get the house you always dreamed of with Vilamoura sunset villas. Situated in the heart of the Algarve, our property is perfect for a holiday home in the sun. l clk.atdmt.com Property in Bulgaria Specialists in Bulgarian property. From city to mountain to the coast, we have a wide range of properties available exclusively for our clients. l www.bulgariandreams.com Buy Bulgarian and Cyprus Property Online Bulgaria and Cyprus property sales. Click here to register your interest and receive your personalised property matches instantly. l www.investorsinthesun.com Discover Northern Cyprus Superior new homes in beautiful Northern Cyprus from only 49,950 - register now for your free information pack.... l firsthomesww.co.uk Investment Property in Turkey Mecitoglu Homes is one of Antalya's outstanding house builders, providing quality homes in attractive locations throughout the Mediterranean coast. l www.homeinturkey.com Bulgaria Property Sales and Investments Specialists in Bulgarian property - investment properties for sale on the Black Sea Coast and ski resorts in Bulgaria. l www.coralestates.com 2004-2005 QCK.com Financial News | Sitemap | Terms | About us | Contact

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Business for sale | Businesses For Sale | Buy a business or sell a business on BizBuySell for brokers listings by email find a buyer advertise about us site map With over 35,000 active businesses for sale, BizBuySell is the Internet's largest and most heavily trafficked business for sale exchange. Start here to buy an established business for sale. 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Established Business Real nice motel Vermont Motel in excellent condition Search Franchises Automotive Business Opportunities Business Services Child Related Cleaning and Maintenance Computer and Internet Food and Restaurant Health, Beauty and Fitness High Capital Franchises Home Based Businesses Home Services Low Cost Franchises Retail Franchises Sports and Recreation Travel and Lodging Franchise Home Page Site Map Spotlight Franchise The business brokerage industry is an innovative field experiencing phenomenal growth worldwide. As an industry leader, the expertise we offer our franchise owners is of tremendous value. Join in our success, and go into the business of buying and selling businesses. See Details LoopNet Acquires BizBuySell . BizBuySell has been acquired by LoopNet, the operator of the largest online exchange for commercial real estate. LoopNet has over 315,000 commercial real estate listings that are searched by more than 1,000,000 registered members. Visit LoopNet to search its commercial real estate listings. -- terms & conditions privacy policy about us contact us © 2005 BizBuySell.com® All rights reserved.