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Bad Credit Mortgage Refinance,Bad Credit Home Loans,California Mortgages-Home Equity Loans! BadCredit Mortgage Refinance | Bad Credit Home Loans | Mortgage Interest Rates | Debt consolidation home loans | Home Purchase Loans | Site Map Bad Credit Mortgage Refinance Bad Credit Home Loans Refinance Mortgage Interest Rates Debt Consolidation Home Loans Second Mortgage Home Purchase Loans Welcome to the home of Inexpensive loans Bad Credit Home Loans and California Mortgages Since 1992 Refinance Home Loans Alliance Mortgage has provided inexpensive Home loans and Home equity loans, and refinancing solutions for all types of credit histories. Apply now for refinancing a home loan with us and take advantage of our low mortgage interest rates. Reduce your monthly payments today. Home Equity Loans A home equity loan is an excellent source of funds, it can free up your equity in your home, and you can get cash for any purpose. This home loan can be a revolving line of credit, or a fully amortized 15 year loan. We provide competitive home equity loans rates and home equity loans. Home Purchase Loans Choose from hundreds of home loans purchase programs for the first time home buyers. You can purchase with no money down and use very little of your own cash. We provide 100% home mortgage loans and 80/20 home loans with no money down 100% financing with 600 fico scores.You can still buy and use our low fico score loan programs with more down payment.We also provide FHA loans that require 3% down payment even with bad or poor credit history. Bad Credit Home Loans We specializes in bad credit home loans and past bad credit problems with minimum 500 fico scores. Discuss your bad credit history with our loan officers who specialize in bad credit home loans. We provide higher loan to values for bad credit mortgage refinance loans than most lenders will. If you have major credit problems we can still customize a bad credit home loan. If you have bankruptcy, repossessions, charge off's and mortgages late payments Click here Second Mortgages There is no equity required for a new second mortgage loan.We provide 100% Second mortgages and loans. Pay off your bills, consolidate debts, or get cash out for any purpose you need. A simple loan application will start the process today.Minimum 600 fico scores required for second mortgages and 640 fico for stated income. Debt Consolidation Loans You can refinance your mortgage and get a loan which can payoff credit cards or any other higher interest rate debts. Consolidate all your debts into a single monthly payment with a debt consolidation home loan from Alliance Mortgage. Current Mortgage Rates Rate APR Type Points 6.00 6.05 30 fixed 0.00 5.37 5.41 15 fixed 0.00 6.50 6.55 30 jumbo 0.00 Home Loans Assumptions Why Alliance Mortgage Apply Online About Alliance Mortgage Corporate Profile Why Inexpensive loans Advantage of using us What others say Home Loans Center Contact us Home Mortgage programs Home Loans Guarantees Loan Rating Survey Privacy and Security Terms of Use Loan Calculators & Tools Home Mortgage Calculators Debt Market Commentary Our Competitors Rates Free Credit Report Mortgage Resources Home Loan Glossary Bad Credit Resources California Mortgage FAQ Site Map Bad Credit Loan Links Bad Credit Loans and Bad Credit Mortgage Refinance Company 1997- 2005 Alliance Mtg Inc. a Mortgage Brokers California Mortgages, Texas Mortgages All rights reserve,mortgage content, bad credit home loans forms, calculators graphics, logos, slogans cannot be reproduced Bad credit home loans | Home equity loans | Mortgage Interest Rate | Debt consolidation Home Loans

Property Listings. Listing with

Free For Sale By Owner Property Listings, Fsbo Homes, and more. Virtual Tours $65.95 - Pro-Packages $45.95 - Photo Ads $15.95 Above are some of our For Sale By Owner Property Listings. Listing with us: By Listing your Property and / or Properties with us. The Property would be available for potential buyers viewing 24 hours, 7 days a week from anywhere in the world. We have been online since August of 1997 and have 400,000 + visitors each and every month. Who list property with us? The For Sale By Owner ( FSBO) Realtors Foreclosure Companies Investors Builders Architects Mortgage Companies For Sale By Owner Sites We provide Free For Sale By Owner ( FSBO) Property Listings for your home - land - commercial or investment property. We also offer flexible options to let you customize your ad to suit your needs at affordable prices. Best of all, listing your property with us is commission fee. You'll never pay us a commission for the sale of your property. No Strings Attached: You may also list your property on as many other real estate sites as you like. If you decide to list with a Realtor, simply send us the contact information for your Realtor and we will change the information on your listing for you. See examples by clicking on the following links. Photo Ad - Pro-Pack - Virtual Tours - Custom Property Listings All of our photo packages include online Property Listing, Search Engines Submissions and a Yard Sign . Yard Signs mailed with in 24 hours of ordering. ( Offer good until Dec 31, 05 ) Listings posted with in 24 hours of submissions. We will check your listings for typo's. Your own web page with your own web address ( url ). Choose from 3 different Photo Packages. Photos can be sent by email or by postal mail. No additional cost for scanning photos. Unlimited text. Describe your Property in Full Detail. A hit counter will be added to your listing, you'll know how many times your ad has been viewed. We will post your Open Houses at your request. Direct link to your e-mail address and web site if you have one. Links to Appraisal Info, Home Inspection Companies, Mortgages, Credit Reports, Schools Information, Neighborhood Statistics. We submit your listing to the search engines and major directories for you. See a list of Engines . We accept all Major Credit & Debit Cards Payment Online over a secure server. To list your property choose a Package below, click on Order to complete the online form. Our Packages - 1 time fee. Free Listing Photo Ads Pro-Pack Virtual Tour Listing with Yard Sign $0.00 $15.95 $45.95 $65.95 Advertising Period 3 months Until Sold Until Sold Until Sold Web Pages 1 1 1 1 Number of Photos 0 1 6 8 Scanning Charges $0.00 $0.00 $0.00 $0.00 Posted in our Newsletter No Yes Yes Yes Search Engine Submission No 6,000 Sites 10,000 Sites 15,000 Sites Counter No Yes Yes Yes Url for use in classifieds Yes Yes Yes Yes To Order Order Order Order Order If you have any questions or need help please contact Susan Nichols at 317-241-4516 CustomersComments I am very pleased with your site. I found it to be the best out there. The virtual tour, the unlimited text, 14 photos, my own URL and your very reasonable price makes your site truly an the award winner. Thanks again for your prompt action on our listing. Martin McGann Thank you for your excellent service and best of luck. I think sites like yours are definitely changing the real estate industry forever. Chris Cook Thank-you for running this useful service. We have successfully sold our house and saved $15,000 in realtor fees. J. Steele Arlington Va Susan: You do perfect work. My site looks great. Thanks. You have here one very satisfied customer. I can see why you are top rated. I like the personal touch, and I understand how much work that is since I manage my Bristol Campground website & business much the same way with hands on personal & personable contact. Good luck & may God BLESS you & your business. Sincerely, Bill Gaines Thank you for your help. We closed this week after being on the market only three months. Your service was very helpful. Our buyer saw the home on a walk he was taking and then went to our listing on your site, which we placed on the For Sale sign and "toured" the home. He also had his mother, one of the buyers, see the home from her home in New Jersey via the web site. Thanks for your help. Anne Mills Thank you so much for your service! WE SOLD OUR HOMESTEAD IN ALASKA.........to a buyer from Ft. Lauderdale, Florida, who saw our ad on your site! Again.....THANK YOU SOOOOOOO MUCH. We are telling everyone we know about your service! Jack M. Beesler . Home Page List Property Update Listings Search Listings

new home. //-- New

The California Endowment - Home Grant Finder | Contact Us The start of the New Year marks a new beginning for The California Endowment as we move our Woodland Hills administrative office and the Los Angeles Regional Program Office to a new facility in downtown Los Angeles. The new campus will also feature the Center for Healthy Communities , designed to mobilize leaders from the public, private and nonprofit sectors to collaborate in order to improve the health of California's underserved communities. The Center will open to the public on April 6, 2006. Beginning December 22, 2005, our new main mailing address is: 1000 North Alameda Street Los Angeles, CA 90012 Our phone number remains the same: 800.449.4149. Best wishes for the holiday season, and we look forward to welcoming you to our new home. //-- New Annual Report Breaking Ground Now Online The California Endowment's 2004-05 Annual Report, Breaking Ground, reflects a year in which the foundation launched new statewide initiatives while it literally broke ground on construction of a new multipurpose facility – to house administrative offices and its Center for Healthy Communities – in downtown Los Angeles. The report also presents information concerning The Endowment’s governance, grant making and resource management for the past fiscal year in an online format. View 2004-05 annual report View 2004-05 grants list Getting California's Kids Covered There is a growing movement among California counties to get all of the state’s children enrolled in public and private health coverage programs. These Children’s Health Initiatives (CHIs) serve as a single point of entry to enrolling kids in Medi-Cal; the state-run children's health insurance program Healthy Families; and Healthy Kids , a low-cost vision, dental and health insurance product. Healthy Kids covers children who don’t qualify for publicly-funded programs and whose family income does not exceed 300 percent of the Federal Poverty Level (about $56,000 for a family of four). The California Endowment today announced $7.5 million in premium subsidy support for 17 CHIs across the state. This funding will provide health coverage for about 8,000 uninsured California kids. Learn more about The Endowment’s funding to the counties of: Los Angeles, San Bernardino and Riverside Bay Area counties of San Francisco, Alameda, San Mateo, Santa Clara, Napa and Sonoma Central Valley counties of Fresno, Tulare, San Joaquin, Yolo and Solano California’s coastal counties of Santa Barbara, San Luis Obispo and Santa Cruz Learn more about the movement to get all of California’s kids covered. New Report Dignity Denied: The Price of Imprisoning Older Women in California "Dignity Denied: The Price for Imprisoning Older Women in California," a report funded in part by The California Endowment, examines the conditions of confinement for older women imprisoned in California, their health and safety concerns as well as strategies to improve their health and well-being. View press release View report New Grant Application Guide Available The California Endowment is pleased to offer a new Grant Application Guide for prospective applicants. We have made several changes in application procedures to better focus our resources to make lasting improvements in the health of Californians. In conjunction with the launch, The Endowment is also hosting a series of information sessions throughout the state. View Guide Welcome to The Center for Healthy Communities A letter from Board Chair Cynthia Ann Telles, Ph.D., and President and CEO Robert K. Ross, M.D., announces The California Endowment's exciting development in Downtown Los Angeles – a multipurpose facility that will house the foundation's Los Angeles Program Office, administrative offices and the Center for Healthy Communities. Learn More Two reports, funded by The California Endowment, show that increasing health premiums are eroding dependent coverage nationwide. While job-based dependent coverage is falling for all income levels, the sharpest drops are in low and moderate-income families. View the press release Read 'Kids at Risk' Read 'Current Strategies to Expand Dependent Health Coverage' -- Currently, there are 800,000 kids in California without health insurance. Peter Long, a senior program officer for The California Endowment, was a recent guest on KNX 1070's Michael Jackson radio show in Los Angeles and discussed ways to cover all kids in the state. Listen to Part One Listen to Part Two //-- Print this page | Send to a friend | Sign Up for E-mail Updates | Create Your Profile Privacy | Terms of Use | Site Map | Help | Home | About the Foundation | Program Area | Grant Application Guide | Public Policy & Advocacy | | News & Information Bureau | Evaluation | Reference Library | Regional Offices | Careers | If you are having technical difficulties, please contact us at: webmaster@calendow.org .

Real Estate Brokers and

Real estate brokers and sales agents Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov Search the Handbook BLS Home | OOH Home | Frequently Asked Questions | A-Z Index | Contact Us Printer-friendly version ( HTML ) -- PDF ) -- Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Occupations: Management | Professional | Service | Sales | Administrative | Farming | Construction | Installation | Production | Transportation | Armed Forces Related Links: Tomorrow's Jobs | OOH Reprints | Important Info | How to Order a Copy | Teacher's Guide to OOH Additional Links: Career Guide to Industries | Career articles from the OOQ | Employment Projections | Publications Home | BLS Home Back to Top www.dol.gov Frequently Asked Questions | Freedom of Information Act | Customer Survey Privacy & Security Statement | Linking to Our Site | Accessibility U.S. Bureau of Labor Statistics Office of Occupational Statistics and Employment Projections Suite 2135 2 Massachusetts Avenue, NE Washington, DC 20212-0001 URL: http://www.bls.gov/OCO/ Phone: (202) 691-5700 Fax: (202) 691-5745 Do you have a question about the Occupational Outlook Handbook ? Technical (web) questions: webmaster@bls.gov Other comments: feedback@bls.gov Occupations: Management Professional Service Sales Administrative Farming Construction Installation Production Transportation Armed Forces Related Links: Tomorrow's Jobs OOH Reprints Important Info How to Order a Copy Teacher's Guide to OOH Additional Links: Career Guide to Industries Career articles from the OOQ Employment Projections Publications Home BLS Home

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Lowest Mortgage Rates, Refinance, Home Equity Loans, Second Mortage Loan, Mortgage Interest Rate Mortgage By State California Mortgage Rates Florida Mortgage Rates North Carolina Mortgage Rates Texas Mortgage Rates Washington Mortgage Rates Rates Second mortgage rates Interest only mortgage rates Mortgage refinance rates Fixed mortgage rates Adjustable mortgage rates New Information Negative amortization mortgage Balloon mortgages Jumbo mortgages Residential mortgage VA mortgage FHA mortgage Bad Credit mortgage Prequalify for a mortgage Commercial mortgage Early Payoff Calculator Mortgage Refinance Home Equity Mortgage Rates Calculators Brokers & Lenders By State -- Free Quotes Sitemap Home mortgage Second mortgage Interest only mortgage Reverse mortgage More Categories Mortgage Home mortgage Second mortgage Interest only mortgage Prequalify for a mortgage Negative amortization mortgage Balloon mortgages Jumbo mortgages Reverse mortgage Free mortgage quotes FHA mortgages VA mortgages Commercial Mortgage Bad credit mortgage Residential mortgages Refinance mortgage Mortgage refinance rates Home equity loans Home equity line of credit Consolidate loans Home improvement loan Home equity cash out Mortgage calculator Monthly mortgage payment calculator Interest only mortgage calculator Mortgage amortization calculator Early Payoff Calculator Mortgage Payment & APR Calculator Mortgage rates Home equity loan rates Fixed mortgage rates Adjustable mortgage rates Second mortgage rates Interest only mortgage rates Mortgage Glossary Quotes Mortgage Rates Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Loans Debt consolidation Home improvement Calculators Interest only Mortgage rate Mortgage amortization -- Home Since 1995, Mortgageloan.com has served consumers who search for the best mortgage loans, refinancing and home equity loans across the nation. We know that lenders compete for your home loan. Get the lowest rates! Refinance at the lowest rates available Get the Lowest Rates! Service and Data Privacy provided by SecureRights Type of Loan Refinance Purchase Home Debt Consolidation Home Equity Property State Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Home Description Single Family Multi Family Town House Condo Credit Profile Select One Excellent, Never any issues Good, No recent issues Fair, Recent issues Poor, Major issues You may also search for today's mortgage rates by state and city in our mortgage broker directory. You will find current 30 year fixed mortgage rates as well as interest rates for most other loan programs. Find the lowest mortgage rates for you home loan in California, Florida, Texas, New York or any other state. Or, you can get free quotes for low home refinancing rates, second mortgage rates (home equity loans and line of credit), first time home-buyer loan and debt consolidation loan. By comparing interest rate quotes you can save thousands of dollars. Home Refinance Cash-Out Refinance Home Equity Loan HELOC Debt Consolidation First Time Home Buyer Fill in your present mortgage loan conditions and see if you can save! It's free and you have nothing to loose... >> MortgageLoan.com continuously follows the real estate and home mortgage market to keep you up to date. We provide you with guides and insights in the loan process as well as useful tools such as mortgage calculators. Daily Mortgage Rates Conforming Avg. 7d avg. 7d chg. 30 Year Fixed 5.71% 5.74% 0.03% 1/1 Adjustable 4.62% 4.47% -0.15% Jumbo Avg. 7d avg. 7d chg. 30 Year Fixed 5.98% 6.02% 0.04% 1/1 Adjustable 4.41% 3.89% -0.52% Mortgage Refinance Is your interest rate too high? Refinance could be an option. Are you in need of some extra cash? You probably want to reduce your interest rate... >> Debt Consolidation Everyone can get into financial trouble. Maybe you are behind on your bills and need help? Our debt consolidation lenders respond to your specific needs. They help you find a loan solution that fits your circumstances... >> Home Purchase Have you found your dream home? A home purchase includes finding the best possible home loan. Our brokers and lenders will guide you along the way... >> Home Equity Loans Do not look any further for your home equity loan or equity line of credit. Fill out our form and get started... >> Commercial mortgages Do you have commercial loan questions, or need to find the lowest commercial mortgage rate? You will find more information here... >> Calculators and Tools Mortgage Payment: Calculate a monthly mortgage payment using this calculator. Interest Only Mortgages: Calculator for interest only mortgages, find out your interest only mortgage payments and compare with your standard monthly payments. Mortgage Payment & APR Calculator: Calculate Annual Percentage Rate (APR). Mortgage Amortization Calculator: Calculate your amortizations By State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming All Rights Reserved 1995-2005 MortgageLoan.com About MortgageLoan | Privacy | Contact | Legal | Advertise | Broker Sign Up | Glossary