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Inman Real Estate News - Navigating real estate loan locks, docs Part 7: Finding the right home loan Navigating+real+estate+loan+locks%2c+docs Part+7%3a+Finding+the+right+home+loan %3ca+href%3d'http%3a%2f%2fwww.inman.com'+target%3d'_blank'%3eInman+News%3c%2fa%3e Jack+Guttentag 2005-12-19T00%3a00%3a00.0000000-08%3a00 49257 HOME | NEWS | JOIN | PRODUCTS | CONFERENCES | ADVERTISE | ADVICE | ABOUT US | CONTACT US | SUBMIT A TIP Member Resources Members Home Search Inman News Content Warehouse Cartoon Database Weekly Newsletter Special Reports Audio Files Inman Blog Feedback Connect Registration Audio Conference LETTERS TO THE EDITOR There's no denying real estate bubble Re: ' Worst-case scenario for housing next year ' (Dec. 28) Dear Editor: I have been a real estate investor since I was 19. I am now 54. To deny a real estate bubble is to ignore the obvious market fundamentals. Obviously, there are different factors in different markets, but as a longtime investor/Realtor/broker there is no logical argument against real estate prices declining 10 percent to 30 percent in the "hot markets." The South Florida condo market will be a blood bath. The median income cannot buy the median house in most markets; interest rates will continue creeping up; speculators have driven prices to insane levels and when the going gets rough they will walk from a lot of residential properties. Most "hot" areas are becoming alarmingly overbuilt with residential inventories rising; lenders have ticking time bombs in their ARMs, negative equity and interest-only mortgages. Do your homework. Be wary of those whose opinions are tainted by the fact that they or their company have a stake in this insane market continuing. Michael H. Mosieur Mosieur Business Brokers Re: ' America closes doors to architectural expression ' (Dec. 26) Dear Editor: This is one of the most insightful articles I've read in a long time. We might add, "And what are we doing to our children as we worship at the altar of the mundane?" Years ago I read that about 1,000 children were tested for creativity just prior to entering kindergarten. Eighty-five percent of the children tested "creative." Twelve years later the same group was tested, and only 35 percent of the students tested "creative." What happened to the children along the scholastic way, and does the country even care? Where's the outcry? Isn't the creativity of our generations one of our most precious resources? It's been said that we're only one generation away from losing our freedom. Could it be that with escalating offshore competition in view, and stultifying U.S. scholastic models utilized, that the above advisory could also apply to our economic freedom? A. Bruce Belfield III Associate real estate broker Hurricane, W.V. FREE website content! Make Inman.com your homepage Get the Inman News Toolbar Link to Inman News Consumer News Commercial News Real Estate Articles from Inman News Already a Member? Log in below to view full story: User ID: Password: Lost Password? Navigating real estate loan locks, docs Part 7: Finding the right home loan Monday, December 19, 2005 By Jack Guttentag Inman News To read this article, become a Member of Inman News now! JOIN NOW TO BECOME AN INMAN MEMBER 100% Satisfaction Guaranteed Group discounts available First Name: Last Name: E-mail: User Name: Call 1.800.775.4662 x128 8am - 5pm Pacific Time to order by phone or to get a discount group membership for your company or colleagues. View News Article Sample Hear Sample View Newsletter Sample Connect Info View Audio Conference Schedule Back Top © 2005 Inman News Home | Privacy | Editorial | Legal | Site Map

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Manage the moving and relocation process with Moving.com Find a Mover Truck Rental Moving Boxes and Supplies Moving Tools Advice & Articles Mortgage Rates & Quotes Mortgage Commentary Tools & Calculators Advice & Articles Find an Agent Apartment Rentals Roommate Search Home Purchasing Tools Articles & Advice Storage Facilities Truck Rental Packing Supplies Advice & Articles Site Map | Create an Account | Login I need help with: - Select Move Type - ----------------------- Full Service Self-Service Auto Transport International Office Piano Art & Antiques Labor Only Truck Rental I'm moving on Date : Jan Feb Mar April May June July Aug Sept Oct Nov Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2005 2006 I'm moving FROM : - Select a Country - ----------------------- United States Canada Afghanistan Albania Algeria Andorra Angola Argentina Armenia Australia Austria Azerbaidjan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bolivia Bosnia-Herzegovina Botswana Brazil Bulgaria Burkina Faso Burundi Cambodia Cameroon Cayman Islands Central African Republic Chad Chile China Colombia Congo Costa Rica Croatia Cuba Cyprus Czech Republic Denmark Djibouti Dominican Republic East Timor Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Greenland Guadeloupe (French) Guam Guatemala Guinea Guinea Bissau Guyana Haiti Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Ivory Coast Jamaica Japan Jordan Kazakhstan Kenya Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macau Macedonia Madagascar Malawi Malaysia Maldives Mali Malta Martinique (French) Mauritania Mauritius Mexico Moldavia Monaco Mongolia Montserrat Morocco Mozambique Myanmar - 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----------------------- United States Canada Afghanistan Albania Algeria Andorra Angola Argentina Armenia Australia Austria Azerbaidjan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bolivia Bosnia-Herzegovina Botswana Brazil Bulgaria Burkina Faso Burundi Cambodia Cameroon Cayman Islands Central African Republic Chad Chile China Colombia Congo Costa Rica Croatia Cuba Cyprus Czech Republic Denmark Djibouti Dominican Republic East Timor Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Greenland Guadeloupe (French) Guam Guatemala Guinea Guinea Bissau Guyana Haiti Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Ivory Coast Jamaica Japan Jordan Kazakhstan Kenya Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macau Macedonia Madagascar Malawi Malaysia Maldives Mali Malta Martinique (French) Mauritania Mauritius Mexico Moldavia Monaco Mongolia Montserrat Morocco Mozambique Myanmar - 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Real estate listings and homes for sale - RELO National Home Search Real estate listings and homes for sale - RELO National Home Search Search 2 million mls listings from The Leading Real Estate Companies of the World U.S. State Search U.S. Map --- Quick Search -- select state -- Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Selecting a Community Real estate agents play an important role in helping you find the right community. Whether relocating your family across the United States or buying a new home a mile from your current home or apartment, purchasing a home in the “right” community depends ... >> Click to continue Zip Code Home Search: County Search: Jump to State: Alabama Alaska Arkansas Arizona California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana North Carolina North Dakota Nebraska Nevada New Hampshire New Jersey New Mexico New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Search by Metro Area: New York Chicago San Francisco Los Angeles Washington DC Boston Save 15% on your FICO credit score. Enter promo code "RELO" to redeem your discount. RELO National Home Search helps consumers find real estate listings, homes for sale or real estate agents. The tool enables consumers to search 2 million local real estate listings and homes for sale. Before buying a home, search mls listings and homes for sale to find a real estate agent through RELO National Home Search. According to the National Association of Realtors, 72 percent of consumers look for a residential property online. RELO National Home Search provides moving assistance to relocating consumers and second-home buyers. RELO Home Search links over 600 RELO members' websites together, the majority offer local mls listings in their area. Further, RELO provides relocation assistance services and international relocation through the RELO network. Whether you are buying a home, considering moving to a new city, considering a second home or selling a home, use RELO National Home Search to tap into the country's largest network of leading independent residential real estate firms across the nation and around the world. All RELO real estate companies focus on relocation and home buying help. © 2002 – 2003 RELO ® All Rights Reserved. | Terms and Conditions | Bookmark Page | Read Real Estate Articles

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Investment Property Data Bank - IPD Home About IPD Portfolio Analysis Services Events Indices and Market Information Indices for Derivatives Online Services -- Available for IPD Portfolio Analysis Service Members to access reports and analysis of their property portfolios Select a country Canada Denmark France Germany Italy Ireland Japan Netherlands Norway Portugal South Africa Spain Sweden Switzerland United Kingdom United States IPD is a global information business, dedicated to the supply of independent market indices and portfolio benchmarks to the property industry Quick Links Company Overview FAQ Glossary of Terms Jobs at IPD National Indices Press Releases IPD / RICS Valuation and Sale Price Report 2005 Italian Valuation Conference Papers Consistent Yields for European Property IPD Pan-European Index DID German Index 2004 Nomisma / IPD Italian Index 2004 Imomtrica / IPD Portuguese Index 2004 Office of Government Commerce and OPD start up a pilot project IPD Spanish Index 2004 IPD Nordic Index 2004 IPD's events department coordinates over 60 events each year. more II Italian Property Valuation Conference - Presentation Documents IPD / IPF UK Property Investment Conference Diary of Events CNBC INTERVIEW Ian Cullen on the Pan European Index Please click on the links below for information on new services and publications recently developed by IPD. RICS Tenant Satisfaction Index Equity Property Databank (EPD) - a subsidiary of IPD IRIS (& Credit Rating) Risk Analysis -- Indices for Derivatives Lease Events Review Directories of Property Vehicles IPD collects full portfolio records from over 500 major property investors across 12 countries. more... PAS Reporting Multinational Reporting Additional Services Joining PAS 1 St. John's Lane London EC1M 4BL Tel: +44 (0)20 7336 9200 Fax: +44 (0)20 7336 9399 Privacy Policy | © 2005 IPD Ltd. All Rights Reserved. Home | About IPD | Portfolio Analysis Service | Events | Indices and Market Information | Indices for Derivatives | OPD Designed by Webrepro