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Real Estate Loan main page Home | Search | Sitemap | Contact Us | Your Privacy | Reorder Checks Credit Cards | Account Aggregation | Mortgages | Buy Stocks | Online Banking About Us Join Us Save with Us Borrow from Us Invest/Insure with Us Your Rates Your Tools Your Business Borrow from Us Auto Loans Consumer Loans Credit Cards Real Estate Loans Apply now Rates 80/10/10 Mortgages Adjustable Rate Mortgages Construction Mortgages Fixed Rate Mortgages Flexible Mortgages Home Equity Line Of Credit Land Loans Lending Area Refinancing Zero Down Mortgages Payment Protection Whether you are buying a new home or you've decided to remodel, as a member of Redstone Federal Credit Union, you have access to many different low annual percentage rate loans and refinancing options. At RFCU, we provide you with the financial resources you'll need and the personal service you've come to expect. Take a look and please feel free to contact our Real Estate Department for more information. We'll be happy to help you decide what type of loan will work best for your particular needs. Real Estate Lending Area Click here to locate the geographic area that our real estate lending area covers. 80/10/10 Mortgages A great way to finance your new real estate purchase and have cash on hand to make improvements, renovations, or add that personal touch. Learn more.. Adjustable Rate Mortgages With our Adjustable Rate Mortgages, you can reap the benefits of our low interest rates. Learn more... Apply Now Construction Mortgages Ready to build on your dream property? Here's the best way to make it happen. Learn more... Fixed Rate Mortgages Sometimes change is good. When interest rates go up, well, let's just say you'll wish you had a Fixed Rate Mortgage with RFCU. Learn more... Apply Now Flexible Mortgages When a low down payment is what you need, we offer two types of Flexible Mortgages. Learn more... Home Equity Line Of Credit (HELOC) Hey, it's your money, put it to good use with a HELOC. Learn more... Land Loans It's a buyers market and we provide you with options of how to acquire the perfect land to call your very own. Learn more... Refinancing Are rates lower today than when you first purchased? If so, you may consider refinancing. Learn more... Apply Now Zero Down Payment Mortgages Need your cash for something other than a down payment? With our Zero Down Payment Mortgage, it's possible! Learn more..

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Buying property to let | Property | Money | Gay.com UK Home Personals Chat Jobs Boards Directory Ask the Doctor Login | Join Now | Help News | Scene | Entertainment | Travel | Women | HIV Life | Lifestyle | Money | Weddings Choose your country site… US & Canada en français Italia Deutschland Argentina Australia España México Brasil Latino in Money Banking Insurance Law Property Work Life Flatshare & Flatmates login have your say Is Elton's wedding the event of the year? Property -- gay.com money property also in property Trust & Partnership Gay couples 'buying more homes' Find the perfect gay flatshare First time for everyone? Editor's picks Property archive also on gay.com Clubs Ho Ho Ho! Theatre Top gay play premieres in London Relationships Four years of worry - about what? related links Gay.com web guide - Money and Business Motley Fool Finance Pink Finance sponsored links Mortgage Best Buys - Save 100s Find Mortgages with Central Capital Compare UK Mortgages Buying property to let Chris Morgan Pink Finance 11 November, 2005 more articles by Chris Morgan Have you ever thought of becoming a landlord? In his latest column Chris Morgan offers advice on Buy to Let property. Kenneth has an amount of 30,000 that he would like to invest in his future. He likes the idea of buying a property to let out to tenants. This would mean taking a second mortgage, as he already has one already on his residential home. Kenneth said Im unsure whether Id be allowed to have two mortgages? Id be able to afford both monthly payments, as the rental income would more than cover the new mortgage. Are there any lenders that would give me the money? There are many Buy to Let mortgage lenders that would advance Kenneth the money, providing he has a 15% deposit. They would use the monthly rental income to justify the mortgage, providing it exceeds the interest payable by 130%. There are many types of specialist mortgages for landlords, with the most common either fixed or discounted variable options. Whichever type you select the interest will be tax deductible, providing you choose a loan that is specifically for letting property. Kenneth Continued Im not even going to have to find a tenant, as I already have a friend who would like to rent the new property. They want to find a nice place to let in my local area and are not in the position to get a mortgage themselves. Heres some advice for prospective landlords You should try and avoid Buy to Let lenders who charge a percentage of the loan as an arrangement fee and only pay a flat fee of a few hundred pounds. If your mortgage broker is independent they are obliged to offer you the opportunity to pay their fees by hourly rate. You should take out the loan on an interest only basis and not try and repay the capital, as its important that you create a margin. The difference between the monthly payments and rental received should be saved for repairs, decorating and unlet periods. Most lenders will require that you get your tenants to sign an assured shorthold tenancy agreement for either 6 or 12 months. You will be able to acquire an example from a legal stationers, or from a letting agent if you are using one. And Kenneth? We raised a mortgage for him of 170,000 at a fixed rate of 5.14%, using his 30,000 as a deposit. The monthly payment will be 728 per month, with his friend paying rent of 950 per month. The lenders arrangement fee on this deal was a flat 449, with the broker fee a flat 500. Chris Morgan is Managing Director of Compass financial advisers to the gay community www.compassifa.co.uk and editor of Pink Finance gay finance magazine. www.pinkfinance.com print it | email it rate this article: [ 1 2 3 4 5 ]Rating: 4 votes Win tickets to NYC from the Money Boards Gay.com and Vouch4me.com have got together to bring you the chance to win a trip to New York! wholesale nike shoes .35$/pair .www.nike-fancy.com jordan shoes /NFL jerseys/nor wholesale nike shoes .35$/pair .www.nike-fancy.com buy sell nike shoes,jordan,tn,shox,timberland,puma,prada,adidas, shoes,lacost,ev Sell Auto Seat Cover Sell Sports shoes (Nike,Adidas,Puma etc.) more competitions Full list of message boards Search Gay.com Company info Advertising info Personals affiliates Privacy policy User agreement Contact us Help Site Map ©1995-2005 GAY.COM INTERACTIVE SERVICES. ALL RIGHTS RESERVED. LEGAL NOTICE

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Colorado Real Estate: Find Homes For Sale in Colorado - REALTOR.com Colorado Real Estate Find Homes For Sale In Colorado Select an area using the map or the drop down menu. --Select an Area-- Akron Alamosa Arkansas Valley Aspen Boulder/Longmont Area Breckenridge/Keystone Canon City Colorado Springs Copper Mountain Cortez Delta Area (Delta County) Denver Area Douglas/Elbert Counties Durango Area Estes Park Evergreen-Conifer- Bailey Area Fort Collins/Loveland Area Fruita Glenwood Springs Granby Grand Lake Greeley/Weld County Area Gunnison Country (Crested Butte) Mesa County (Grand Junction) Monte Vista Montrose Monument/Tri Lakes Morgan County Otero County Pagosa Springs Peetz Pueblo Steamboat Springs Sterling Telluride Vail Westcliffe Winter Park Woodland Park Colorado Real Estate: City Search Mode If you don't see the area/city you're looking for on the map above, try typing its name into the box below. Please be mindful of proper spelling. Note that this method will not find homes in many unincorporated communities or areas. City: Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.

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