real estate brokers and

DOL - Real Estate Real Estate WELCOME to the website for the Real Estate program of the Business and Professions Division of the Department of Licensing. The Real Estate program, in conjunction with the Washington Real Estate Commission, provides public protection in the real estate marketplace through the education and licensure of real estate brokers and salespersons. The Washington Real Estate Commission is appointed by the Governor to advise the Director regarding the rules and regulations governing the activities of real estate licensees. The commission is authorized to hold educational conferences and authorized to prepare and conduct examinations for licensure. WHAT'S NEW: Online Renewal Service Available Real Estate Licensees now have the option of renewing online. The online renewal process can be used to provide continuing education and renewal payment information using a Visa or MasterCard debit or credit card, along with a unique password, which will be shown on your Notice to Renew. When the Renewal process is complete, a confirmation screen will be displayed that you can print for your records. Your license will be sent to the address on file within 14 business days.This alternative approach to renewing will provide a convenient and efficient process that is currently in use by many other departments. If you have any questions, please contact Real Estate Licensing by calling (360) 664-6500 or via email at RealEstate@dol.wa.gov . New Real Estate Administrator Mr. Lee Malott has accepted the Real Estate Administrator position.Lee comes to us from the east side of the mountains from the great city of Walla Walla and brings a wealth of knowledge and experience with him from the private sector. Lee has 10 years experience as a real estate salesperson and has been a memberof the Washington Association of Realtors. His most recent years of his career have been spent successfully in the hospital administration arena--leading large groups of employees working in hospital/nursing home settings. Lee will join us on Monday, October 17th as Real Estate, Appraiser, Timeshareand Camp Resort Section Administrator. 18.85 RCW Revision Task Force Information Join our mailing list - If you are interested in becoming a subscriber, you can sign onto the DOL Real Estate Program LISTSERV® today. There is no cost to subscribe and you may delete your address at any time. Change in Real Estate Fees - Effective June 27, 2005, the Department of Licensing is suspending the collection of the $26.50 fee for name and address changes and transfer. (WAC 308-124A-460) As a reminder, requests for the above changes postmarked before June 27, 2005 must still submit the required fee. Questions? Call (360) 664-6500 or email realestate@dol.wa.gov. As part of the Department of Licensing's ongoing initiative to ensure that real estate licensees endeavoring to earn the broker's (or associate broker's) license are receiving appropriate pre-license training, the Washington Center for Real Estate Research (WCRER) is coordinating a curriculum review. The current contents of the Brokerage Management and Business Management courses were adopted in late 1995 or early 1996, and have not been substantially reviewed until now. If you have recently taken either or both of those courses and have suggestions for modification to their content or emphasis, please forward your suggestions to the WCRER at wcrer@wsu.edu. Prescribed Core Curriculum Requirement The Washington State Real Estate Commission and Department of Licensing have adopted new rules that will require the completion of 3 clock hours of prescribed core curriculum, beginning with renewal dates on or after June 1, 2004. Core CurriculumRequirement Scenarios Notice to all Active Real Estate Licensees and Real Estate Schools Recognition Agreements Check the statusof a professional license. - An Internet-based application designed to give you access to Professional Licensing data. You can navigate the system using full and partial name, license number and other search criteria to perform searches for professional licensing information. FEATURES: Audit Guidelines Real Estate Resources - ARELLO Publications available. Washington State Guidelines for Advertising and Procuring Prospects on the Internet - Adopted September 19, 2000 Guidelines for Using Unlicensed Assistants SERVICES PROVIDED: Washington Real Estate Salesperson's License. Washington Real Estate Broker's License. Information on Examination Locations and Times. Information on Education Services and Publications. Prescribed Core CurriculumRequirement The department has revised its course approval application toprovide for approved providers to designate a course as including theprescribed curriculum. (Word Document) Information on Washington Center for Real Estate Research. - (To be able to use this link, your browser will need to support frames.) PUBLICATIONS: Real Estate Course Catalog Real Estate License Disciplinary Guidelines Washington Real Estate Curriculums For Real Estate related questions please e-mail RealEstate@dol.wa.gov . For Real Estate Audit related questions please e-mail ReAudit@dol.wa.gov . Mailing Address: Department of Licensing Real Estate Audit Section PO Box 2445 Olympia, WA 98507-2445 Phone Number: (360) 664-6515 Fax Number: (360) 570-4941 Please view the right side of this website for the various Real Estate licensing section's telephone and fax numbers. What's New Fees Forms Services Features Publications Meetings & Minutes FAQs Professional Licensing Internet Query Brokers License Salespersons License Appraisers Main Page Real Estate Education Washington Real Estate Commission Real Estate Complaint Form Real Estate Licensing Program Disciplinary Actions Washington Real Estate Licensing Law: RCW 18.85 Real Estate Brokerage Relationships: RCW 18.86 General Provisions: WAC 308-124 Licensing & Exams WAC 308-124A Brokers Office WAC 308-124B Records WAC 308-124C Operational Procedures WAC 308-124D Trust Accounts WAC 308-124E Education WAC 308-124H URBP - RCW 18.235 Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 570-4977 Real Estate Audit Section: (360) 664-6515 Fax: (360) 570-4941 Office Hours: 8:00 a.m. to 5:00 p.m. Fees Accepted: 8:30 a.m. to 4:30 p.m. Pacific Time Monday through Friday Write: Department of Licensing Real Estate Program PO Box 9015 Olympia, WA 98507-9015 Business Location: 2000 4th Avenue West, Olympia, WA 98502 E-Mail: RealEstate@dol.wa.gov ReAudit@dol.wa.gov

Home Mortgage

NY LI CT Jumbo Mortgages-first in home mortgages refinancing homeequity loans Program Rate APR 30yr Fixed 6.000 6.028 15yr Fixed 5.625 5.665 30yr Jumbo 6.250 6.262 15yr Jumbo 5.875 5.895 Adjustable 5/1 ARM 5.625 6.259 More Rates AMERICANA MORTGAGE GROUP SAVES YOU TIME AND MONEY We're first in jumbomortgages , home equity loans and refinancing of residential real estate inNew York, Long Island, Nassau, Suffolk, Queens and Connecticut. Americana Mortgage Group is also the fastest growing mortgage brokerage in the NY tri-statearea-- with over 90% of our loans coming from returning satisfied clients andtheir referrals . We pride ourselves on proven customer service and money savingtechniques. Our reputation is your guarantee. Improve your chances of getting the home loan andmortgage interest rates you want. Apply online right now . Or contact us today at 1-888-262-6685. Here's what to expect: Best Mortgage Rates andPrograms for Loans Large or Small, Long or Short-Term. Extended Rate Locks. Free Rate Float Downs. No Prepayment Penalties. We offer a variety of residential loans -- conventional and jumbo mortgages -- and creative financing strategies--such as no incomecheck loans, below market rate programs , nomortgage insurance options, biweekly programs , 100%financing for no money down real estate purchases, no point mortgages,bridge loans, interest only mortgages. Check out today's mortgageinterest rates and use our mortgage calculator tosee what you can afford. Americana Mortgage Group also arranges financingfor: a new home purchase, co-op or condo loans first-time home buyers jumbo mortgages and refinancing for luxury homes and home equity loan dreams self-employed no income check loans a second home or investment property land and construction loans debt consolidation, and those with bad credit home equity loans for home improvements or financing a college education Personal MortgageShoppers Do All the Research for You Our mortgage loanofficers are top notch. They're skilled in shopping the mortgage rates andterms of over 100 national banks and local lenders, to find the right loanprogram and mortgage lender fit for every client. With their expertise at work,you'll get qualified faster for an earlier loan approval. Get a Mortgage Loan--Quicklyand Simply. Office Visits Optional! Our processing is so streamlined that alltransactions can be done by mail , phone, fax, and email. No matter the method,your home loan will get the same priority and attention we give to clients whoprefer to do business in-person--at either of our NewYork, LI mortgage offices in Manhasset and Southampton . Yourconfidentiality is always ensured. Apply for a Home Loan RightNow Take a few minutes to complete our secure Express Online Mortgage Application . Try our mortgage payment calculator too! Email us , or apply over the phone at 516-627-0200 x10 to talk to an expert for a free no-riskconsultation and to get today's mortgage interestrates .

Land Loans :: Unimproved

Unimproved Property / Land Loans / Mortgages/Equity Loans / Loans / Accounts & Services / Wishing You a Prosperous 2006! - Florida Commerce Credit Union Search: Accounts & Services Account Disclosures Loans Deposit Accounts Rates Credit Cards Vehicle Services Safe Deposit Boxes About Us Contact Us News Locations Employment Board of Directors Frequently Asked Questions (FAQ) FCCU Annual Reports Privacy Notice and Disclosure Credit Union Philosophy History Membership Information Watch out for email scams! REPORT FRAUDULENT EMAILS FCCU Newsletters Promotions VISA Gift Cards On-Sale! FREE LUNCH for your office HOLIDAY Refer a friend campaign Events Member Resources Account Resources Technology and Security Center Calculators Consumer Education Mortgage Resources Other Helpful Resources Forms FCCU Facts Vehicle Services Mechanical Breakdown Coverage Vehicle Lending, Finance & Insurance Services Online New Car & Truck Research and Price Quotes (CarSmart) Verify your collateral insurance on-line Apply for a Loan Online Accounts & Services Account Disclosures Loans Student Loan Info Frequently Asked Questions Glossary for Financial Aid and Student Loan Student- High School Planning Guide Parents- High School Planning Guide FAFSA Completion Tips Apply for a loan Auto and Other Loans Personal Loans Auto Loans Mortgages/Equity Loans Deposit Accounts Sammy Squirrel Kids Club Investment MMAs IRAs CDs Small Business Accounts Personal Accounts Checking Accounts Savings Accounts Rates Credit Cards Vehicle Services Safe Deposit Boxes -- Home :: Accounts & Services :: Loans :: Mortgages/Equity Loans :: Land Loans :: Unimproved Property Rate Terms 8.1% - 12.6% 5 years or less 8.45% - 12.95% 5 to 10 years 9.1% - 13.6% 10 to 15 years Home | CommNet Home | iBranch! New User Instructions | Accounts & Services | About Us | Promotions | Member Resources | Vehicle Services Return to Home Page Print View Site Map Search Email This Link 2005 Florida Commerce Credit Union | 800.533.5772

Home Equity Line (introductory

Home Equity Loans at NetBank -- PERSONAL FINANCE > LOANS > HOME EQUITY You've worked hard to build equity in your home - now may be the time to use it. Featured HELOC Rate APR* Home Equity Line (introductory rate fixed for 6 months as low as 7.25% APR thereafter) 6.25% (Intro Rate) Home Equity Loan 6.75% How muchwill my payments be? More home equity calculators and guides Cash in on your home's equity and... Pay off high interest credit card debt Renovate your house, build a pool or buy a boat Pay for education expenses or go back to school Have some fun and go on the vacation of your dreams Plus, save at tax time; the interest you pay may be tax deductible* With potential tax advantages, and interest rates lower thanmost other kinds of consumer credit, equity products are smart,powerful tools that can help manage one of your most important assets- your home. Determine the best solution for you: Home Equity Line of Credit Home Equity Loan Interest-only payments for the first 10 years Open end line of credit with flexible, convenient access to your funds No application fee or lender closing costs Credit lines up to $250,000 Fixed payment and rate 5-, 10- and 15-year fully amortizing loan terms available Minimum loan amount as low as $10,000 Borrow up to 100% of the value of your home Loan amounts up to $200,000 Apply how you want, when you want: Apply online Available anytime, any day of the week Call 866-461-5028 Monday - Friday, 8:30 AM - 6:00 PM (ET) Already started the loan process? Click here to complete your application Learn More Important Notices *APR varies according to your credit history and other factors. Homeowners insurance is required. Document stamp costs as well as recording fees and taxes for your county/state may apply. Maximum APR for a Home Equity Line of Credit is 18%. Following are examples of the APR and monthly payments for a 5-, 10-, and 15-year home equity loan (assuming a $50,000 loan amount with 10% equity): For a 5-year term, the APR is 6.352%** with 60 monthly payments of $19.50 per $1,000 borrowed; For a 10-year term, the APR is 6.187%** with 120 monthly payments of $11.20 per $1,000 borrowed; For a 15-year term, the APR is 6.132%** with 180 monthly payments of $8.50 per $1,000 borrowed. * Consult your tax advisor. ** As of 2/7/05 View Application Status About Us | Privacy | Security | Careers | Contact Us | Locator | Site Map 2005 NetBank, Inc. All Rights Reserved.

Home Equity Loans Home

Home Equity Loans, HELOC, Home Improvement Loan - HomeLoanCenter.com Home Home Equity Mortgage Refinance Home Equity Loans Home Purchase Credit Concerns Debt Consolidation Check Loan Status Loan Calculators Rate Quote Rate Watch FAQs Find the Right Loan 5 Reasons To Refinance Home Buying Tips Mortgage Terms Glossary Besides the tax benefits you’ll receive, there are many reasons to get a home equity loan and even more reasons to get one with HomeLoanCenter.com. Less paperwork No appraisal required Cash in 10 days No closing fee options Perfect credit not required No application fee Learn More: What is a home equity loan? What is a home equity line of credit? What is the process of getting a home equity loan? Schedule a FREE loan consultation today Start here! Finish in 3 minutes. Get a decision on your loan in as little as 30 seconds. Required Field Borrower Information: First Name: Last Name: M. Initial Suffix -Choose One- Jr Sr II III IV Home Phone: Work Phone: Will there be a co-borrower? Yes No *$208.33 payment is based on $40,000 loan amount for a 25-year Home Equity Line of Credit with a 3 month introductory rate of 6.25% and 7.00% Annual Percentage Rate. Rate is variable and subject to change. Offer is for new applicants only. To qualify for this payment borrower credit score must be 720 or greater and loan-to-value must not exceed 70%. The interest rate and payment for your line will vary based on your credit qualifications and loan to value ratios and will range from Prime -0.25% (currently 6.75% APR) to Prime +2.75% (currently 9.75% APR). Prime is the Wall Street Journal Prime Rate and is currently 7.00%. Changes to Prime may change your payment amount and APR. Maximum APR will not exceed 18%. An annual fee of $75 will be charged after the first year. Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, location, and type of property, and other factors. Not available in all states. Rates are subject to change without notice. Site Map | About Us | Contact Us | Business Hours | Careers | Privacy Policy | Our Guarantees | Licensing | Legal Information Loan Payment Calculator | Mortgage Refinance | Home Equity Loan | Home Purchase | Adjustable Rate Mortgages | Second Mortgage Tools & Resources | Mortgage Interest Rates | Home Loan | Equity Loan | Debt Consolidation © 2005 Home Loan Center, Inc. All rights reserved. Loan programs are offered by Home Loan Center, Inc.