Home Equity Loans &

Wachovia Texas Home Equity Loan Home | Customer Service | Contact Us | Locations Search Tips Personal Finance Wealth Management Small Business Corporate & Institutional Home Personal Finance Lending Center Home Equity Loans & Lines Home Equity Loans Texas Only Online Services Center Banking Center Investing Center Retirement Center Lending Center Mortgage Loans Home Equity Loans & Lines Home Equity Loans Texas Only All Other States Prime Equity Lines of Credit Comparison Charts Education Loans Credit Cards Vehicle Loans Secured Personal Loans Insurance Center Planning Guides Customer Service T EXAS H OME E QUITY L OAN Check Current Home Equity Rates   Home equity loans are used when you want to borrow a specific dollar amount against the equity in your home, and are available on both homestead and non-homestead properties. A homestead property is generally considered your primary residence in Texas. A non-homestead property is typically a second/vacation home, or a rental/investment property.  The money can be used for a variety of purposes, such as refinancing, home improvements, debt consolidation 1 , vacations, and more.   Why a home equity loan may be right for you: You may be able to deduct your interest expense on your taxes, just like your mortgage 2 The closing cost is typically lower than refinancing your first mortgage You may be able to borrow against the available equity in your home, up to 80% of the value of your homestead property 3 You may be able to borrow up to 100% of the available equity in your non-homestead property Features of a Wachovia home equity loan include: Up to 30-year terms 4 $8,000 minimum loan amount Up to $750,000 for loan requests to access equity Up to $250,000 for purchase requests The links below can also help you make a more informed decision and show you how the application process works. Texas Home Equity Comparison Chart How to Use the Equity in Your Home Understanding the Application Process Email This Page Printer Friendly Version 1 While consolidation may decrease your overall monthly payment obligations, refinancing pre-existing debt with a home equity loan/line will require you to give Wachovia a security interest in your home and may increase the total number of monthly debt payments, as well as the aggregate amount paid by a borrower over the term of the mortgage loan. Debt consolidation restrictions may apply. 2 Consult your tax advisor concerning interest deductibility. 3 Line amounts are based upon collateral value, creditworthiness and state maximum loan to value limitations. In accordance with state law, the maximum combined loan to value may not exceed 80% of the fair market value of your homestead property. 4 For example, repayment of a 30 year home equity loan would consist of 360 monthly payments of $6.42/$1,000 borrowed at 6.59% APR. The disclosed APR assumes that the borrower will pay 1% at the time of origination. The maximum loan amount for this offer is $750,000. If you pay off your loan early, there may be a prepayment penalty. You will be responsible for the cost of any mortgage recording or other taxes where applicable. Term of up to 360 months available on loan amounts greater than $35,000. Other rates and terms available. All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to your meeting specific underwriting requirements and final approval will be based upon your satisfying those requirements. Loans originated by Wachovia Mortgage Corporation or Wachovia Bank, National Association. Products not available in all states and are subject to change without notice. Member FDIC Personal Finance Login Home Equity Loans Contact Us Home Equity Loans Locations ATM/Branch Locations Related Links Loan Payment Calculator Loan Amount Estimator Customer Satisfaction Rating Personal Finance Customer Service Personal Finance Contacts Personal Finance FAQs Site Map Glossary Search Text Only About Wachovia | Privacy | Security | Legal | Merger © 2005 Wachovia Corporation. All rights reserved.

INVESTMENT PROPERTY IN ROMANIA

Romania Real Estate - Investment Property - Economic Statistics for Romania Home | Statistics | Registration | Contact us | Company Profile | Newsletter | Print this page //-- Sponsored by Addison Read Romania Geography Climate Topography Natural Resources Energy Land use & Agriculture Population Demographics Government Cabinet Members Economy Exchange Rates Communications Transport ADDISON READ ROMANIA REQUEST PROJECT PROSPECTUS Romania Property Market Land Price Guide - 2005 Bucharest residential market supply & demand Investment - Commercial property Residential property - New build Foreign ownership of land in Romania Martha Bibescu - Villas - New build project Representative projects South-East Europe drives growth in the New Europe REPORTS Addison Read Brochure pdf Romania Property report 2005 pdf REAL ESTATE MARKET Industrial Parks in Romania Bucharest office market Business Park -Bucharest Business Park - Iride GENERAL REPORTS GDP comparison - ro - hu - bg - cz Relocation services Cost of living Indices by country / Descending order Detailed report - Bu Land for Sale in Transylvania The following plots will not be available to speculators. Addison Read will interview applicants......... ROMANIA'S REAL ESTATE PROFESSIONALS - ADDISON READ - FOR ALL INVESTMENT PROPERTY IN ROMANIA Addison Read have packaged Investment Land Location of Land The Investment Opportunity Reasons to Invest for Foreign Investors by incorporating a company for each land parcel - Land is located close to the planned Bucharest multi-lane ring highway, a 30 minute drive from the city centre in rush hour - Apply for prospectus Addison Read offer retail, commercial & logistics sites on a the location of a 400 acre business city 5 miles from the western edge of Bucharest. - Apply for prospectus ROMANIA'S REAL ESTATE PROFESSIONALS - ADDISON READ - LAND INVESTMENT OF THE CENTURY Land for sale at Poiana Mica - 17ha first offer above €35 secures Regional Location details & map Announcements in November 2005 - that will instantly cause price rises estimated to reach €250-€370 per sqm by mid 2006 New Gondola Ski Transport ropeway to be opened at Poiana Brasov by Christmas Contract to construct 18 hole Golf Course at Poiana Mica (adjacent to Poiana Brasov) Canadian company to build international airport at Ghimbav (8.3 kms from Poiana Brasov) More details... New Doppelmayr Gondola - Ski Transport system - Capacity 3,000 pers. per hour to be opened Chistmas 2005 Golf course construction contract signed with Brasov planning authorities Canadian construction company signs contract to construct International airport at Ghimbav - less than 20 minutes from Romania's premier ski resort at Poiana Brasov ADDISON READ ROMANIA RAISES PROFILE OF ROMANIA'S PROPERTY INVESTMENT MARKET Addison Read International is a UK Property Investment Group that has recognised the high investment potential of Real Estate investment in the SE European countries - initially Bulgaria and now Romania. The company has the widest range of Land & Property acquisitions, and provides a full services package to foreign investors, including company formation, due diligence and legal services. Call us before your arrival in Romania on +40 21 312 4828. There was a strong logic to the strategic reasoning to first enter the Bulgarian market with its associated infrastructure investments in Tourism. In 2005, Romania's Real Estate market is entering a boom period for all types of property - residential, commercial & land. This boom is fuelled by a growing national economy that has a solid basis to it - having attracted higher levels of FDI in 2004 than any CEE country other than the Czech Republic. Romania's GDP growth in 2004 was second only to Latvia at 8.3%. Addison Read represent investors large and small and combine the highest professional standards available on the market with an unmatched knowledge of all real estate investment sectors. The company's mission is to optimise investor's profits and minimise market risks. Click for Why Invest in Romanian Property Click for Addison Read's Romanian Brochure Contact: Richard Prior - +40 722 304 773 or Phil Stapley +40 743 145 443 for more information ROMANIA PROPERTY MARKET - A GOOD INVESTMENT OR A BUBBLE... A recent commentary by the UKs Telegraph property correspondent suggests that there is little understanding of the economic engine that is driving the Real Estate market in Romania & Bulgaria. Ms. Rosie Murray-West should take note, and reconsider advice to UKs enthusiastic stream of investors that have cottoned on to economic growth taking place in SE Europe..... LAND FOR SALE IN TRANSYLVANIA... In response to requests, Addison Read provide details of some land parcels that we have available in Transylvania - in some of Europes finest mountain scenery. Land prices are escalating rapidly, and provide sound investment opportunities yielding in excess of 25-30% capital growth. CLICK ON THE MAP - FOR LAND DETAILS LAND FOR SALE IN BUCHAREST... Addison Read have land opportnities for Investment & Development in all areas indicated on the map below. We aquire land and develop projects for Investors across the globe. Addison Read control risks and optimise investor return possibilities that yield in excess of 25-30% annual capital growth. INDUSTRIAL PARKS IN ROMANIA Industrial Real Estate in Romania produces highest yields in Europe... You will find details here of all Industrial Parks in Romania. Investor Services has been associated with the initial planning phases of many of Bucharest's business parks - and is well placed to assist companies with the selection of office or industrial space requirements please do not hesitate to contact Richard Prior at richard.prior@addisonread.ro Or Give us a call on +40 722 304 773 or +40 722 304 772 and we will be glad to talk to you. ROMANIA - TOURISM - THE HIDDEN JEWEL OF EUROPE Over the last 10 years, The Editor has observed the steadily widening gap between the improving tourism infrastructure and the 'black hole' - an almost total lack of organised marketing effort. A few years ago, much of Romania's tourist industry was "in the wrong hands" - owned by those who imagined that quick profits would be obtained - for both little investment & even less effort..... The tourism and hospitality business does not grant quick profits to cheap operators.......! Now, in 2004, there are strong signs that the right people are getting into the industry & the infrastructure is developing rapidly - certainly in the premier mountain resorts - if not the Black Sea resorts. At Poiana Brasov for example, there are many new hotels & villas in the market, together with a well developed infrastructure for ski lifts and cable cars & restaurants - BUT the tourist board is ineffective and disorganised at getting out the message - that Romania has the most dramatic tourist assets of '"New Europe'. The final & essential element of apres-ski environment is dependent upon an effective Tourist board. Private operators, such as Andrei of Villa Andrei lead the way in terms of quality & value BUT need an influx of international tourists to generate the next steps of development. Romania is Europe's hidden jewel....... INVESTOR SERVICES - MARKET ALERTS Investor Services provides monthly Market Alert reports - detailing the market research activities of multi-national companies that are actively investigating the Romanian market. Gain and edge on your competition by responding to your target clients needs - before they approach the market. The reports are intended for senior management, and include Company profiles, Contact details and a charted analysis of research activities on the Romanian market. Contact: Richard Prior For executives relocating to Bucharest, Factbook has collaborated with Investor Services srl to provide a full relocation support service - A first stage is our offer of an interactive settling-in support sytem that is compatible with PDAs, Notepads & PCs. Apply for details FDI / LABOUR COSTS & COST OF LIVING For Transnational companies researching the Romanian market, Investor Services has provided a series of decision support reports covering FDI , Labour Cost s & Cost of Living comparisons. If you are seeking specific market research for the Romanian market, we shall be pleased to provide a compatitive quotation. In the first instance contact richard@ines.ro QUALITY CHAUFFEUR-DRIVE CAR HIRE - A BETTER OPTION THAN TAXIS IN BUCHAREST "Chauffeur Mercedes" provides E-Class saloons for the discerning Businessman or Diplomat. Immaculately dressed drivers - trained to the highest standards. Airport Transfers & for all your transport needs in Bucharest & throughout Romania Rates are surprising value - Drivers are a refreshing change from the near lethal tactics of the average Romanian Taxi driver. .... If you value your health - try Chauffeur Drive TRAVELLING TO ....... OR INVESTING IN ROMANIA. - 2005 The Editor has spent several years working in Hungary and other Central European countries. Each country has its strong points - Romania has now taken over as the fastest growing economy in the developing countries of Europe. GDP Growth is at the top of the European League. Foreign Direct Investment is 50% higher than Hungary for 2004 at EUR 3.5bn. Multi-National companies are increasingly migrating operations to Romania & the property market is booming. PROFESSIONAL SERVICES FOR INWARD INVESTORS Check out Investor Services before taking a decision about selection of your primary professional service provider. Our business partner iNES Advertising has extended the its range of services - for details see:- site UK LAND BANK OPPORTUNITY - 19 MILES LONDON 8.3 acre site - Located in attractive commuter village 19 miles North of London. Strong Residential development opportunities. WORLD STATISTICS OF MUSLIM POPULATION -COUNTRY BY COUNTRY Business leaders are aware of the waves of Anti-american, Anti British - and generally anti western feelings that are erupting throughout the Muslim world Just what is the extent of the Muslim world. Factbook has produced World Statistics for Muslim Population on a country by country basis - including world map of Muslim distribution. REPORT - EUROPEAN FILM INDUSTRY Factbook has published a detailed statistical report on the European Film Industry. Similar in style to the Global Traffic Accident report, with statistics ranging from admissions per film by country to Cinemas, revenues, GDP etc. Whether you are an industry professional or an amateur cinema buff this is worth a look... POWER GENERATION PROJECTS The modernisation and development of Romania's energy infrastructure represents one of the most significant opportunities for Power Generation and Construction companies during the period leading up to EU accession. more Current projects call for investments totalling over EUR 4 billion. Nuclear - €1.018bn Conventional - €2.465bn Hydro projects - - €651.2bn Our team have key experience with World Bank infrastructure financing in China, Malaysia, Turkey & Hungary. INVESTMENT IN ALLOY WHEEL PRODUCTION UNIT Investor Services are in discussions with leaders in the Automotive industry - with a view to locating a Wheel Production unit at a Romanian 'Free trade' Zone. East European Vehicle Production 2001 Projects The project includes proposals to locate a Wheel/Tyre assembly plant at the same location with a view to providing added value services to European car manufacturers. Project outline - English or Italian - for Cast alloy production unit. Sponsored by Addison Read Romania - Investment Property in Romania - Contact:- sales@addisonread.ro service provided by Investor Services , 33 Maguricea, Bucharest 1, - t. +40 722 304 773/2 fx. +40 21 232 6737 & iNES , © Factbook 2000; Site search Search Factbook Search WWW

Real Estate Agents The

Nanaimo Real Estate | Nanaimo Real Estate Agents Nanaimo Real Estate Nanaimo real estate is one of the fastest growing enterprises on Vancouver Island. Nanaimo's prospects are exceptional, partly because of its frontier status as a portal to the massive recreational market of Vancouver Island. While the demand for real estate in Nanaimo is maintained by this gateway status, it is bolstered further by the steady increase in ecotourism. International visitors by the millions will continue to be drawn by the incredible power of the west coast beaches, the serene beauty of the Georgia Strait archipelagoes, and some of the remaining stands of old-growth forest in the Pacific Northwest. But Nanaimo's charm isn't just in its environmental context. The city itself is a thriving multiculural hub that fills in the corners of contemporary life. You'll find everything here, from avant-garde art societies to adventure games and a floating pub. Further discussion of Nanaimo real estate can be found on our Nanaimo chat forum . Join the conversation! Nanaimo Real Estate Agents The city's development has been marked by unprecedented booms, always straining at the seams and threatening to burst somehow, but Nanaimo real estate agents haven't cracked. A resilient west coast lot, they have a reputation for being laidback and candid. Attention, motivated Nanaimo real estate agents! There's still time to capture the targeted, high-traffic advertising space on this page and our Nanaimo realtors page. You must recognize the advantage of capturing internet searches in your quest for leads. If you are interested, email seogerry@seo-guy.com . Nanaimo, British Columbia MLS Listings If you would like to search the MLS Listings from anywhere in Canada, all you need to do is go to www.mls.ca . From there, you can find all the home listings in Nanaimo and the surrounding areas. We are eager to support the promotion of Nanaimo real estate becausewe are so proud of our peaceful lifestyle, refreshed by an artsyunderside but reinforced by sound economic conservatism. Nanaimo realestate prices are modest and growing, making a lifestyle in Nanaimoboth secure and profitable. Come and visit us, and you'll find that apart of you has always longed to settle into Nanaimo real estate. Nanaimo Real Estate : Nanaimo Homes : Nanaimo Realtor Thank you for visiting our Nanaimo Real Estate page The Nanaimo Real Estate staff Nanaimo Real Estate Nanaimo Realtors Nanaimo Homes Remax Nanaimo Coast Realty Nanaimo Real Estate Resources Nanaimo Home Rentals Vancouver Island Real Estate Board Nanaimo Luxury Homes New Developments Nanaimo Condos and Lofts Nanaimo Accommodations Nanaimo Restaurants Nanaimo Theaters Nanaimo Parks Nanaimo Hikes Things to do in Nanaimo Nanaimo Newspapers Nanaimo Golf Courses Nanaimo Landscaping Nanaimo Automotive Nanaimo Computer Services Nanaimo Employment Contact Us Quick Contact Name Email Comment Real Estate Web Design 2005 Nanaimo Information. Nanaimo Information Forum - Nanaimo Sitemap

Property Listing

Commercial Real Estate Properties and Brokers Commercial Real Estate Listings & News Home Search Advertise News Customer Service CityfeetSpaces -- Thursday, December 29, 2005 Commercial Real Estate Advertising Reach thousands of tenants, buyers and brokers in your market. Appear on Yahoo!, NYTimes.com & over 50 partner websites Outstanding value, takes only minutes to post. Post Commercial Property for Lease Post Commercial Property for Sale Post an Executive Suite Post a Business For Sale Become a Featured Broker More reasons to use Cityfeet Testimonials FAQs More Questions? Call us at 1-866-527-0540 or Email Us "We have been impressed with the amount of hard work and dedication Cityfeet.com has put into creating maximum coverage for their clients." Stasi Martin Lofts Unlimited San Francisco, CA More reasons to use Cityfeet Testimonials FAQs More Questions? Call us at 1-866-527-0540 or Email Us Username Password forgot login info? DID YOU KNOW... Since 1999, over 10,000 companies have marketed their properties on Cityfeet. View testimonials DID YOU KNOW... Cityfeet powers the commercial real estate of Yahoo! and over 50 major US newspapers . ©2004 Cityfeet.com - All Rights Reserved Home | Search | Advertise | Customer Service | About Us | Privacy Statement | Site Map Find Commercial Real Estate Listings - Cityfeet.com Company Overview : Cityfeet is the leading online commercial real estate network, connecting commercial real estate property owners and brokers to tenants, brokers and investors. Cityfeet offers commercial real estate products and services catering to the national and local needs of the commercial real estate industry . Cityfeet specializes in all commercial real estate property categories including office space, executive suites, commercial land, industrial property, retail space and businesses for sale. Cityfeet is the #1 source of free commercial real estate information for commercial real estate professionals and powers the commercial real estate area of many of the countries most popular websites including Yahoo! Realestate.com and The New York Times. ( See all partners ) Commercial Real Estate for Lease | Commercial Real Estate for Sale | Executive Suites | Businesses for Sale | Commercial Real Estate Broker Directory | Cityfeet Local

Home Mortgage Home Equity

State Farm Bank® - Home Mortgage Loans -- Search statefarm.com® Powered by Google™ Banking Bank accounts Credit cards Loans Home Mortgage Home Equity Vehicle Security Safeguards Find an agent by zip/postal code Advanced Search 24-hour Customer Service Limited Service 12am-5am CT 1-877-SF4-BANK 1-877-734-2265 HOME MORTGAGE LOANS > Learn about mortgages Select a Product ==================== CENTERS - Purchase - Refinance - Affordable Housing ==================== PRODUCTS - Fixed Rate - Adjustable Rate - Affordable Housing ==================== LENDING PROCESS - How to apply - Pre-approval ==================== MORTGAGE TOOLS - Calculators - FAQ - Mortgage glossary - Application checklist - House hunting tips - Home comparison chart ==================== CUSTOMER ASSISTANCE - Access my account - Contact us - Mortgage Inquiry - Locate an Agent > How to apply > Access my account > View on-line mortgage application status > Contact us Information Minimum loan amount is $25,001 Maximum loan amount is $650,000* * Larger loan amounts available by request on an individual case basis. · Variety of products: - Fixed rates - Adjustable rates - Affordable housing · Pre-approvals available · Can be used for purchasing or refinancing: - Primary residence - Second home - Investment property (availability varies by mortgage product). Properties may be a single family home (1-4) unit, condominium or Planned Unit Development (PUD) · Loans to finance the construction of a property are not available. However, any of the mortgage products may be used for a mortgage upon completion of the construction · Rates may change daily based on market conditions · Fees and closing costs vary by geographic area and the type of loan · Maximum loan-to-value varies by product and situation but can be as high as 97 percent · Property that is for sale or has been sold (i.e. "bridge loans") is not eligible · FHA and VA loans are not available at this time Centers · Purchase center · Refinance center · Affordable housing center More About Mortgage Loans · Rates · Products · Mortgage Calculators · Frequently asked questions · Home mortgage glossary · Application checklist · House hunting tips · House hunting checklist · Home comparison chart · How to apply for home mortgage loans · 24-Hour account access via phone and Internet · Learn how to stop mortgage fraud Related Links · Home Equity Loans/Line of Credit · Mortgage Disability Income Pricing and APR Assumptions Location: Pricing could vary based on the state where the property is located. Contact a Mortgage Consultant for a price quote based on your property location. Loan amount: $200,000 for conforming products; $500,000 for JUMBO products Loan-to-value ratio: 80% or lower Property type: Single Family Primary Residence Loan purpose: Purchase only Escrow: Customer escrows for taxes, insurance, etc. as part of monthly payment Closing Costs/Prepaids: Estimated at 1% of the purchase price/value of the home Lock period: 30 days Income Documentation: All income used to qualify for a loan is documented Additional Notes · Mortgage rates change on a daily basis and have the ability to change within the day depending on market conditions. · Your rate at loan approval may be different based on underwriting considerations and your individual financing request. · Fees and closing costs vary by geographic area and the type of loan. · All loans are considered as either a conforming loan or a JUMBO loan (also known as a non-conforming loan). A conforming loan is a loan with a mortgage amount that does not exceed eligibility limits for purchase by the secondary mortgage market (i.e. Fannie Mae, Freddie Mac, etc.). A JUMBO loan is a loan with mortgage amount that exceeds the eligibility limits for purchase by the secondary mortgage market. · The APR and payments on Adjustable Rate Mortgage ( ARM ) Loan Products are subject to change after the loan is closed due to the product's variable-rate feature. For good neighbor service in your mortgage loan process, call your local State Farm agent, call State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265) or submit your mortgage inquiry online. *Some products and services may not be available in all areas. [ home | sitemap | my account | login | register | contact us | privacy | terms of use ] [ insurance | banking | mutual funds | planning & learning | agents | about us ] Search statefarm.com® Powered by Google™ Equal Housing Lender | Member FDIC