Land Loan Tools  

Indymac Bank Construction Lending Indymac Bank home   |   about us   |   contact us   |   privacy   |   ID notice   |   security   |   careers    1-800-HCL-LOAN (425-5626)   HCL for Individuals   Main Page   Get To Know Us   Get Started Now!   My Project Application   My Loan Information Loan Products   ·   Construction-to-Permanent Loan   ·   Remodeler Loan   ·   Bridge Loan ·   Lot/Land Loan Tools   ·   Line Item Budget Calculator Find A Builder --   ·   Cost To Build Calculator -- Event Calendar -- Help   ·   FAQs   ·   Glossary Customer Service --   ·   Contact Us Lot/Land Loan Found the perfect location to build your dream home ...and now you need the perfect loan? Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Indymac Bank will fund your Construction-to-Permanent Loan once you're ready to build. · Loans to $500,000. -- Frequently Asked Questions Check to view all answers. Q. How do I know where I should build my home? A. Location may be one of the most important factors to consider. Although many people have a geographic location in mind, some are open to alternatives. It's important to consider your lifestyle (and those you'll be living with) as well as the cost. If you're planning a family, schools will be important. If not, you may want to consider other factors such as proximity to work, or accessibility to the beach, the mountains or leisure activities. Q. What is a "finished lot"? A. A "finished lot" refers to a portion of land that already has road access and utilities in place to the lot boundary. Additionally, it has been approved by the city or county as a separate parcel of land on a parcel map. Q. Can I buy a piece of land that is not a finished lot and save some money? A. While it may be possible to purchase an unfinished lot, generally this is not advisable for an individual building their own home. The costs of bringing roads and utilities to the first lot in a new area are usually very high. Typically, the first person to build pays for others who will build later. There are land developers who specialize in preparing lots for building (this may include zoning and/or soils issues, as well as bringing roads and utilities to the site, and creating a building pad). Often, these lots are in a planned community. Q. What do you mean by "planned community"? Aren't all communities planned? A. No, many older communities were not planned; they evolved. Certainly, as a city has grown, plans have taken shape. But in many cases the nucleus of a community was started many years before the community or city planning existed. In many instances, it is this unplanned characteristic that gives a community its charm. A planned community, in contrast, generally offers a specific style and certain amenities at a package price. Depending on the size and location of the community, these amenities may include greenbelts, landscaping, biking trials, swimming pools, even schools and shopping centers. Some amenities, such as the community pool and greenbelts, are paid for through a homeowners' association. Others are paid through taxes or mello roos. Still others are design enhancements intended to encourage potential buyers to purchase in an area or to attract more commercial business. Many of the more costly amenities included in a planned community may not be affordable for a homeowner on an individual basis. However, some of these amenities may not be important to you. After all, priorities, like lifestyle, vary. If you select a home in a planned community, you'll generally have a more structured community where decisions are made jointly rather than by the individual homeowner. These community decisions include individual home design and landscaping. While some homeowners may consider this an acceptable trade-off to ensure an attractive environment, others may consider it an infringement on their rights. It's important that you know how you feel before selecting the type of lot you want. Q. Can tax bases differ within the same community? A. Yes, they can. While some cities already have parks, schools, and streets, newer communities built within the same city may have special assessments that cover the costs to develop or maintain new or existing parks, schools, streets, etc. These assessments may be for a prescribed period of time or may continue indefinitely. A little research goes a long way. Here again, a good real estate agent or title company officer can often provide you with this information. Q. I've found the perfect location, but I'm not ready to build my dream home. Can I obtain financing for the land only? A. Yes, you can obtain a Lot Loan. Typically, this is short-term financing for the purchase of a residential lot suited for future construction. This loan allows you time to select an architect, builder, and design your dream home. IndyMac Bank's Lot Loan program allows you to finance up to 50 acres. And when you're ready to build, we offer a one-time close Construction-to-Permanent Loan. ^ back to top Still have questions? Call toll-free 1-800-HCL-LOAN (425-5626) to speak with a construction loan specialist, or downloada copy of our booklet (pdf) that answers the most frequently asked questions about building your own home. Information Center · Glossary · FAQs -- FAQs · Get To Know Us · Building Your Dream Home Magazine (pdf) · Owner Builder Guide (pdf) Consumer Guide to Construction Financing (pdf) Did You Know A Construction Loan Is A Reimbursement Loan? (pdf) subscribe now -- Get Started Now! Apply online 24 hours a day, 7 days a week, and get a loan approval in minutes! get started -- e-mail/mail us | 1-800-HCL-LOAN (425-5626) Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback -- ©2005 IndyMac Bank, F.S.B. Registered trade/service marks are the property of IndyMac Bank, F.S.B. and/or its subsidiaries.

Buy Home

html>script language="javascript">!--// Need to add a sniffer for IE 5 and set it to use DOM as well.function isIE() {if (navigator.appName == "Microsoft Internet Explorer")return true;else return false;}// this will replace all the make window codefunction iframeCall(){ Iframe=eval('document.getElementById("iframePrompt")'); return Iframe;}function showIframePrompt2(theSrc, theWidth, theHeight){iframeCall().style.visibility="visible"; iframeCall().src = theSrc; iframeCall().style.left=380-(theWidth/2);iframeCall().style.top=document.body.scrollTop+20; if (!isIE()) {theWidth = (theWidth/1)-5;theHeight = (theHeight/1)-5;}iframeCall().style.width = theWidth; iframeCall().style.height = theHeight; }function closeIframePrompt(){iframeCall().style.visibility="hidden";}var IFrameObj; // our IFrame objectfunction showIframePrompt(theSrc, theWidth, theHeight) {if (!iframeCall()) {return true}; IFrameObj=iframeCall(); IFrameObj.style.border='2px ridge';if (!isIE()) {IFrameObj.style.border='ridge gray 4px';} if (IFrameObj.contentDocument) {// For NS6} else if (IFrameObj.contentWindow) {// For IE5.5 and IE6} else if (IFrameObj.document) {// For IE5} else {return true;} showIframePrompt2(theSrc, theWidth, theHeight);}// endfunction changeBrowser(){if(nameCode == 2){document.write("font face='verdana, arial, helveitca' size='2'>a href='javascript:closeWindowOrIframe();'>close window/a>/font>");}else if(nameCode == 3){document.write("input type='button' onClick='javascript:closeWindowOrIframe();' name='closewindow' value='close window' class='sbttn' title='Close Window'>/a>"); }else{document.write("input type='button' onClick='javascript:closeWindowOrIframe();' name='closewindow' value='close window' class='sbttn' title='Close Window'>/a>"); }}function closeWindowOrIframe () {if (parent.iframeCall() && parent.closeIframePrompt() ) {parent.closeIframePrompt();} else {window.close();}}function makeWindow(url, h, w) {var dims = "height=" + h + ",width=" + w;var options = dims + ",toolbar=no,location=no,status=no,menubar=no,scrollbars=yes,resizable=no,

Land For Sale Acreage

North Carolina Land for Sale | Asheville NC Land and Large Acreage Tracts Home | Featured Listings | MLS Search | About Us | Contact Us Horse Farms | Land | Luxury Homes | Condos & Lofts | Waterfront Property | Commercial | 1031 Exchange Phone Us 828.694.1558 North Carolina Land For Sale Acreage in the Greater Asheville NC Area I f you are seeking North Carolina land for sale, Sheelah Clarkson Asheville Real Estate Agency is pleased to assist you . We serve as buyer's agents helping national and international investors locate tracts of mountain land that are suitable for investment, 1031 exchange , or private estate property. As a land specialist, Sheelah Clarkson is a member of the Realtors Land Institute (RLI), the only national organization comprised of licensed real estate professionals who broker, sell, lease, manage, and develop land. This influential affiliation gives our agency the leverage and network necessary to identify and procure large acreage land tracts on behalf of our buyers and investors. Featured Land For Sale Our featured land for sale is a rare 228-acre tract of land in Waynesville, NC . This property has been passed down in the family for generations and is available on the open market for the first time. With frontage on all sides of an intersection along major Highway US 276 less than 1 mile from the city limits , this acreage is ideal for a major mixed use development or urban village. The prime location with multiple access points, level land, and nearby utilities make this acreage a developers ideal. View more information on this Waynesville NC land . Our featured investment land includes 101 acres and 62 acres near three pretigious Cliffs Communities with views to The Cliffs at Glassy in upstate South Carolina. This acreage is perfectly positioned for a private mountain estate, high end residential development, or a national retreat center. The 101-acre tract lies adjacent to more than 1,700 acres of the Chestnut Ridge Heritage Preserve , protecting your year round mountain views. Both offer paved road access and access to utilities. These land tracts are within easy driving distance of Greenville SC, Hendersonville NC, and the GSP Airport. View more details of this prime acreage. If you would like to see other properties on the market, contact us with your acreage requirements. Also, a number of land listings can be found in the Farms and Land section of the Asheville MLS or the Lots and Land section of the Tryon MLS . Ask us for more information on specific listings that interest you. Finding NC Mountain Land for Sale The magnificent vistas and ecology of our western North Carolina highlands have drawn people here for centuries. However, locating large acreage tracts of North Carolina land for sale can be challenging. Why? Portions of our most spectacular mountain ranges are protected by state and national agencies. More than one million acres are contained in the Pisgah and Nantahala National Forests. State parks and forests also hold thousands of acres. In the Brevard and Hendersonville area alone, The Gorges State Park and the Dupont State Forest protect more than 20,000 acres of pristine mountain land. Large acreage tracts are rare and exclusive mountain land for sale is not always listed in a public MLS. However, a number of significant land tracts in western North Carolina are still available if you know how to find them. Most real estate agents focus on houses and residential lots. Few realty professionals excel in the sale of land and acreage, perhaps because this specialty area is unique, requiring knowledge of an extensive geographic region, willingness to travel the back roads, and an in-depth understanding of land tract zoning, characteristics, and markets. Our North Carolina Land Services As large acreage buyer's agents, we cover 11 counties in the greater Asheville NC area, a wide territory that spans some of the most stunning mountain land and pastoral foothills in western North Carolina and upstate South Carolina. We help match your investment needs with the most appropriate land tract. We understand how the unique characteristics of a property can impact your proposed use of the acreage. For instance, the topography in western North Carolina varies greatly from rolling foothills that provide an exceptional location for horse farms , to steep mountains with scenic vistas, to valleys suitable for agri-business. Zoning and restrictions vary from county to county as well. We serve our buyers and investors by tapping into a network of land savvy specialists throughout our region to locate acreage for a variety of purposes, including property for 1031 exchange , land for investment, and acreage for private luxury homes and estates. We know this region. We drive the back roads. And we are pleased to work closely with qualified buyers who are ready to purchase land. Contact us to discuss your needs regarding large acreage land tracts for sale in western North Carolina. North Carolina Land Conservancy Under all is the land. Upon its wise utilization and widely allocated ownership depend the survival and growth of free institutions and of our civilization. - Code of Ethics and Standards of Practice of the National Association of REALTORS At Sheelah Clarkson Asheville Real Estate Agency, we believe in the wise use of land. We support land stewardship through such measures as personal responsibility, sustainability, and land conservancy. The North Carolina Conservation Tax Credit Program (CTC) North Carolina boasts some of the most progressive legislation in the nation regarding land conservancy. The North Carolina Conservation Tax Credit Program (CTC) offers financial incentives that encourage both corporate and private property owners to protect the land. Preserving our land benefits both the environment and future generations. Moreover, it can be a smart financial strategy for land owners because it offers substantial income tax credit for those who donate real property for conservation purposes. Land conservancy is a win-win for all involved. You can learn more about the tax credits offered through conservation easements and other land conservancy options by visiting the website of the North Carolina Conservation Tax Credit Program . North Carolina Land Conservancy Organizations A number of nonprofit groups are dedicated to protecting our North Carolina land. We invite you to visit these websites for more information on land preservation in the Tarheel state. The North Carolina Chapter of the Nature Conservancy Durham, NC State chapter protecting more than 100 sites across the state including several sites in western North Carolina. Million Acre Initiative Raleigh, NC State program dedicated to preserving one million acres of open space in North Carolina this decade. Conservation Trust for North Carolina Raleigh, NC Statewide organization working with local land trusts, community groups, and private landowners to protect North Carolina land and water resources. Carolina Mountain Land Conservancy Hendersonville, NC Local organization serving Henderson and Transylvania counties. Pacolet Area Conservancy Lynn, NC Local group focused on the Pacolet and Green River watersheds in portions of Polk County and Henderson County in North Carolina as well as parts of Spartanburg and Greenville Counties in South Carolina. Land Trust for the Little Tennessee Franklin, NC Local trust serving the upper Little Tennessee Valley area that lies along the corridor between the Nantahala and Cowee mountains of western North Carolina. Southern Appalachian Highlands Conservancy Asheville, NC Local conservancy serving Buncombe and Madison Counties plus Highlands of Roan, a major project that preserves 15,000 acres along the North Carolina and Tennessee border. Blue Ridge Rural Land Trust Boone, NC Local trust serving a seven county area in northwestern North Carolina including Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes, and Yancey Counties. National Committee for the New River West Jefferson, NC Local group focused on the protection and restoration of the New River and 5,000 acres of watershed in northwestern North Carolina. Foothills Conservancy of North Carolina Morganton, NC Local organization serving Alexander, Burke, Caldwell, Catawba, Cleveland, Lincoln, McDowell and Rutherford Counties. If you are interested in purchasing large acreage land tracts of land for sale in North Carolina, contact us to discuss the benefits of land conservancy. Sheelah Clarkson is a member of the Realtors Land Institute (RLI) Asheville Real Estate | Asheville North Carolina MLS | Tryon North Carolina MLS | Asheville Homes For Sale | Asheville Condos North Carolina Luxury Homes | North Carolina Land For Sale | North Carolina Acreage | North Carolina Mountain Real Estate North Carolina Horse Farms | Equestrian Communities | Horse Property | Equestrian Property | North Carolina Mountain Land North Carolina Commercial Real Estate | 1031 Exchange Real Estate | NC Waterfront Property | Sitemap | Links | About Us | Contact Info © 2005 Sheelah Clarkson Sheelah Clarkson Asheville Real Estate Agency • PO Box 8804 • Asheville,NC 28814-8804 Phone 828.694.1558 • Fax 828.694.1549 • Email sheelah@sheelahclarkson.com

Property Listing

Facts About Your Real Estate Listing Agreement - Home Selling Advice  You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > Choose a Listing Agent > Facts About Your Real Estate Listing Agreement - Home Selling Advice Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! Email to a friend Print this page Home Selling Tips 10 Steps You Should Take Before You Sell Passing Your Home Inspection Showing Your House to Home Buyers More About Home Selling How to Measure Residential Square Footage Understanding the HUD-1 Settlement Statement Handling a Home Buyer's Deposit Suggested Reading About Contingencies Buyer Possession Before Closing What Stays, What Goes? Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping Real Estate Listing Agreements From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Listing Agreements Aren't all the Same If you are selling your home, and plan to list it with a real estate agency, what type of listing contract will you sign? There are three primary types of listing agreements and each one offers a different level of service, rights, and responsibilities for both the real estate agent and the home seller. Exclusive Right to Sell Listing Agreement The Exclusive Right to Sell is the most commonly used listing contract. As its name implies, it gives the agency the exclusive right to sell your property. You pay a commission to the agency at closing no matter who buys the property, even if you find the buyer yourself. If an agency other than the listing ageny sells the home, the listing agency typically splits its total commission with the second agency. Exclusive Agency Agreement The Exclusive Agency listing contract also gives a specific agency the right to market and sell the property, but with one big difference—the seller retains the right to sell the property without paying a commission if he sells it to a buyer who was not introduced to the property by the agency. The listing agency shares its commission with another agency if the second agency brings a buyer. Open Listing In an open listing, no single agency has an exclusive on selling the property and the owner can sell it himself without paying a commission to anyone. A seller can sign an Open Listing with multiple agencies. If the seller does pay a commission, it's to the selling agency only. No commissions would be shared in an Open Listing scenario. Which Listing Contract is Best? Many agencies will only offer you an Exclusive Right to Sell agreement because it protects their investment. Good real estate agencies spend a great deal of time and money to market and sell their listings. It isn't worthwhile for them to sign an Exclusive Agency agreement, because it leaves you with the option of selling the house yourself at any time during the listing period—even after their marketing efforts are in full swing. There's also the question of which party truly introduced the buyer. Did the buyer come to you because she saw the agency's signs or advertising—and chose to bypass the agent? Sticking with an Exclusive Right to Sell solves that problem. Many agencies will sign an Open Listing, but don't expect any type of marketing from them. If they have a buyer they think might be interested, they'll show it, but they won't spend time and money to push a property that's listed by multiple agencies. More Articles for Home Sellers Things You Must Do Before You Decide to Sell The Importance of Curb Appeal Getting the House Ready to Sell Get Psyched to Show Your Home Should You Offer a Buyer Possession Before Closing? Important disclaimer information about this About site.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews

Home Mortgages - Advice

Home Mortgages - Advice  You are here: About > Home & Garden > Home Buying / Selling > Mortgage Advice > Home Mortgages - Advice Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! "All About Mortgages" "How To Get the Best Home Loan," 2nd Edition Email to a friend Print this page Suggested Reading Mortgages - Getting Approved Mortgage Basics Find a Mortgage Mortgage Calculators Related Guide Picks Top Home Buying Books House Hunting-Take Along Workbook Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping Top 5 Books About Home Mortgages Guide Picks From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Are you having a difficult time deciding which type of home mortgage is the best for your needs? You're not alone. The world of home finance offers so many variables and options that it's often hard to keep them straight. The authors of these books help you do just that as they provide all the information you need to compare home mortgages and find a home loan that's right for you. 1) "All About Mortgages" This text by Julie Garton-Good provides a thorough analysis of home finance and refinance. The queries included in the book's Q&A format offer comparisons and detailed information about specific types of home mortgages, and will answer your questions about home loans. Credit and credit repair are discussed, too. For anyone who wants to learn more about the home mortgage industry. 2) "How To Get the Best Home Loan," 2nd Edition W. Frazier Bell takes the reader on a complete tour of the mortgage industry. His discussion of the secondary loan market helps you understand how lenders earn money and why loan underwriters must follow certain guidelines. An excellent book that even seasoned home buyers will find useful. 3) "The Mortgage Kit" Here's an easy-to-understand home mortgage primer from Thomas C. Steinmetz. The author teaches you how to use simple number-crunching formulas to compare different types of loans. This thorough book will answer just about any question you might have about home mortgages. 4) "How To Save Thousands of Dollars on Your Home Mortgage" Author Randy Johnson leads you through the maze of home loans, explaining the different types of loans available, which lenders specialize in each type, and how those lenders make money in the home mortgage market. He teaches you which questions you must ask to make sure you are getting the best possible deal. Includes information about credit scoring and other credit-related topics. 5) "Steiner's Complete How-To-Talk Mortgage Talk" Shari and Clyde Steiner's book will help you decipher what a lender is actually offering you. Protect your interests by learning how to answer the lender's questions and know instinctively when a lender makes statements that could signal future problems. Learn home mortgage jargon and be more confident as you analyze and compare different types of home loans. Important product disclaimer information about this About site. Important disclaimer information about this About site.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews