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Baton Rouge Real Estate- CJ Brown - Baton Rouge Real Estate -- #1 Baton Rouge Real Estate Company! Login | Contact | Help Legendary Service Since 1917 Suggestions Home Buying Selling Relocation Renting Finance Insurance Appraisal Careers Go To Shopping Cart www.cjbrown.com 1-800-428-8294 Site Last Updated Thursday, December 29, 2005 2:09 PM CST Quick Search Search Listings Search Rentals Search Our Team Search Loans * Enter address, MLS#, zip code, or subdivision, then click Go or select a different type of search. * To search for rental properties, click Go. * Enter an team member name, then click Go, or select a different type of search. * Enter a loan name or type, then click Go, or select a different type of search. advanced search Search Our Team For advice and representation you can trust, use a C.J. Brown Realtors Team Member. Find An Office We have offices all over the Gulf South. Find one close to you. myCJBrown Find listings even after you have left our site, save listings, and more! News & Events -- About Us Site Map Site Map1 Resources -- Experience Urban Living in Baton Rouge A Surprising Housing Boom along the Gulf Coast Branch Office Update Agents & Employees Corporate Contacts #1 Company In Baton Rouge Real Estate! Great News! To search ALL active Baton Rouge real estate listings in the MLS and see all the information , logon to our system, or you can search thousands* of Baton Rouge and Louisiana real estate MLS listings on our standard property search. Find out how much you need to pay from our mortgage calculators. Established in 1917 in the Baton Rouge real estate market, we have grown to include offices in Baton Rouge, Ascension and Livingston parishes in Louisiana as well as offices throughout the Gulf South. Rely on our experience as you go through the most comprehensive real estate listings. Choose the perfect home from our MLS listings. The only name that stands out in Baton Rouge Real Estate is C.J. Brown Realtors/LATTER & BLUM Inc. Realtors Take advantage of our mortgage calculators to calculate the amount of investment you need to make to finance your dream home. Our comprehensive real estate listings span the length and breadth of the country, to give you the widest property options. Essential Mortgage Co. is a division of LATTER & BLUM/CJ Brown, a trusted real estate leader since 1916. We're proud to offer mortgage brokerage services including mortgage calculators to corporate clients, credit unions, builders, and the real estate community. LATTER & BLUM Insurance is capable of meeting a variety of individual needs, helping our clients to arrange a comprehensive and cost-effective program of insurance services, including: auto insurance, business insurance, home owners insurance, life insurance and personal umbrella. A host of services on offer from a definitive name in real estate transactions, C.J. Brown Realtors! Select an option below to begin. Conduct a search using maps of our area. Search for homes by location, amenities, and price. Preview an upcoming open house. Search for rental properties by location, price, and amenities. Take a 360 degree tour of our homes! Save your favorite listings for quick access later. Search for retail and commercial properties. See new developments. Search for REO Properties. Search for 3rd Party Properties. Search Listings by map Search Listings by text Open House preview Search Rental properties Search REO properties Virtual tours View Featured homes Commercial property search Developments search Search 3rd party properties New Orleans | Baton Rouge | Mississippi | Hammond | Lafayette | Sitemap *Subject to the rules and regulations of the Greater Baton Rouge Association of Realtors Multiple Listing Service. -- Home | Buying | Selling | Relocation | Renting | Finance | Insurance | Appraisal | Careers | Property List | Agent Websites All information provided on this site is believed to be reliable but is not guaranteed and should be independently verified. Please see our Terms of Use and Privacy Policy . Latter & Blum Inc./Realtors and Latter & Blum Property Management are licensed real estate brokerage firms in Louisiana and Mississippi CJ Brown Realtors is a licensed real estate brokerage firm in Louisiana LATTER & BLUM, Inc/Realtors, Corporate Headquarters 800 Common St., Suite 1000, New Orleans, LA 70112, USA main 504.525.1311, web-info@latterblum.com Licensed In The United States Of America 2001 LATTER & BLUM, Inc/Realtors. All rights reserved. Resources | Site Map1

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Learn About Buying español Put My Century 21 to work for you, simply register your email address and create a password. Once you're registered, you'll be able to • save property descriptions • store your search criteria • file agent information • build a custom library Find out more or register now! Already registered? Sign in . Learn about Buying -- Get ready to find the home of your dreams. Get tips on what you should look for, how to negotiate a great deal, how to protect yourself along the way, and more. Step 1: Defining What You Want Step 2: Figuring Out What Your Can Afford Step 3: Shopping for Homes Step 4: Making an Offer Step 5: Inspections and Insurance Step 6: The Final Closing How do I get the real scoop on homes I am looking at? -- What is the first step to buying a home What are some negotiating tips What contingencies should be put in an offer? Is it possible to buy a home below market price? How can buying my house help save money for my childs college education? More... Buying Your First Home Buying II: Advanced Topics Buyer's remorse Escrow closing The 72-hour clause More... ©2005 Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each CENTURY 21 Office Is Independently Owned And Operated. All rights reserved. Information appearing on this site has been produced by or obtained primarily from Century 21 Real Estate LLC and its representatives and from CENTURY 21 franchisees. Century 21 Real Estate LLC is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided by our franchisees appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Terms and Conditions of Use.

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countrywide careers : careers at countrywide careers faq | site map career paths diversity philanthropy Job Function - All Functions Accounting Administrative/Clerical Audit Banking Compliance/Legal Consulting Services Credit Risk Management CU Program Customer Service Education/Training Facilities Finance Human Resources Information Technology Insurance Loan Origination Marketing & PR Mortgage Processing Mortgage Servicing Other Purchasing/Procurement Risk Management Securities/Trading Strategic Planning Title/Escrow/Appraisal Underwriting State - All States AK AL AR AZ CA CO CT DC DE es FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC TN TX UT VA WA WI WV WY Countrywide's state-of-the-art facility in Chandler, Arizona is now open. To explore the wide variety of available positions, click here. We are coming to Tampa! Click here to learn more about future employment opportunities. careers at countrywide Saying that you’re a “mover and shaker” and being one are two very different things. At Countrywide, we have never been satisfied with the status quo. Since 1969, we have helped millions of American families realize the dream of home ownership. We have expanded to become a highly diversified   global financial services provider, as well as a member of the S&P 500, Forbes 500 and Fortune 500. Of course, we were honored when Fortune magazine named Countrywide one of the most admired and fastest growing companies in America*. Even more important to us is the fact that, through our One Trillion Dollar Challenge , Countrywide is playing a leading role in ensuring that the dream of homeownership is attainable by everyone. See it all for yourself as you surf our site. You’ll discover we’re experts at finding solutions for our customers. We’re committed to being the Employer of Choice. We’re on a never-ending quest for innovation and excellence. Are you? Then it’s definitely your move.   Countrywide is committed to leveraging the talent of a diverse workforce to create great opportunities for our business and our people. EOE. M/F/D/V.   *Fortune, September 2004 Countrywide Home Loans, Inc. and Countrywide Bank, N.A., are Equal Housing Lenders. © 2005 Countrywide Financial Corporation. Trade/servicemarks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. Countrywide is committed to leveraging the talent of a diverse workforce to create great opportunities for our business and our people. EOE. M/F/D/V. privacy & security | licenses & registrations

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Denver real estate; How to Qualify for a Mortgage How to qualify for a mortgage in Denver Down payment for a mortgage Learn about the various allowable sources to obtain your down payment. Closing Costs Home buying costs vary by region, here are sample costs for Denver. Loan Approval What constitutes as loan approval in Denver? Interest Rates Lock in your rate with confidence, after you have read these facts. What is PMI? PMI, do you really need it? The Mortgage Loan Application Mortgage loan applications made simple, bring this list. The steps to getting a VA Loan The steps to getting a VA loan, do you need one? What does it take to get one? Reverse Mortgages Reverse Mortgages have many benefits for older home owners. Financial Glossary It's important to understand the language of finance. Common Mistakes to Avoid Common home buying mistakes can be avoided, you need to know what some of them are. search Denver Real Estate Site How to qualify for a mortgage A brief summary on how to get a home loan When a mortgage lender takes your application they are checking your ability and willingness to repay. It is said that "history repeats itself". Lenders look at your history to predict the future. This process can go as quickly as 24 hours or take several weeks. This is done by checking the following items: Your credit history (the past 2 years) Your checking account (bounced checks are not good) Your income Your FICO score (on conventional loans) Almost everyone who has some sort of credit, some money set aside for a down payment and an income can get a loan. Now whether or not you want that loan may be a different story. Mortgage rates are proportional to the amount of risk the lender must take. If the credit history is bad, the risk will be off set by a higher interest rate. The best way to qualify for a mortgage that you want is to have a nice clean credit report, little debt and pay all your bills on time, every time. Excessive consumer debt as in multiple credit cards lowers your FICO score . A hint to avoid this happening is to consolidate your debt on one charge card. Even if you have excellent credit it is a good idea to pull a credit report on yourself, prior to visiting the lender. In Colorado you are allowed to do this free of charge once a year. (If you aren't in Colorado or any of the "free" states, then you can pay a small fee to obtain a copy of your credit report.) There are more than one credit reporting companies and not all companies report to all credit bureaus, so be sure to request a credit report from all, just to be sure. Here is how to contact the credit reporting agencies: Equifax Equifax Information Service Center P.O. Box 740241 Atlanta, GA 30374-0241 1-800-997-2493 You can also order your credit report from a secure section of the Equifax website at http://www.equifax.com Experian Experian National Consumer Assistance Center P,O, Box 2104 Allen, TX 75013-2104 1-888-397-3742 You can print a credit report order from at http://www.experian.com Trans Union Corporation, Consumer Disclosure Center P,.O. Box 390 Springfield, PA 19064-0390 1-800-888-4213 You can order a credit report online from Trans Union's website at http://www.transunion.com Be Pro-active... By reviewing your credit report prior to visiting a lender, you will be able to straighten out any errors or disputed items and avoid any troublesome holdups down the road. If you see a disputed item, an error made by a faulty social security number, a name similar to yours, or a court ordered judgment you paid off that hasn't been cleared from the public records, clear it off now. By writing to the credit reporting agency, you can have them remove the items and save you time and aggravation later. TIP: Make sure any outdated derogatory entries are deleted from your credit file. By outdated, anything over 7 years should be deleted (except bankruptcy which is 10 years). TIP: Officially cancel inactive credit cards Even if you don't use a credit card, some lenders will assume that credit limit is available to you and use it in qualifying you. Therefore, if you don't use it and don't need it, cancel it. Too many credit cards even with no balance can keep you from getting a loan. TIP: Hold off on making any major purchases until after you close on the loan. Many times people obtain a loan commitment then go out and charge a new car or a houseful of furniture, only to totally destroy the ratios on their loan commitment. If you find you need assistance with any of these strategies, it's OK to sit down and talk with a lender. Explain your situation and what you are trying to do. A good lender will help you structure your finances, credit report and budget, keeping your best interest in mind. Continue to How Much of a Down Payment? . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

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Adbusters Culturejammer Headquarters Sharon Is Terrorist Number 2 by Avi Shlaim George W. Bush may claim that Ariel Sharon is a “man of peace,” but his track record suggests a different title. Over a 50-year military and political career, Sharon has been responsible for incalculable civilian trauma. from Adbusters #63» Moral Midgets of the Year We say farewell to 2005 with a look at four of the year's most embarrassing newsmakers: stars of less-than-stellar virtue whose shenanigans got them little more than a stern finger-wagging. from Adbusters #63» Putin is Terrorist Number 1: by Boris Berezovsky Humble Economists: by Paul Ormerod more magazine features » more Adbusters.org exclusives » Buy Nothing Day 2005 A big congrats to all those who (did not) participate! Finds out what went on in the name of nothing in our 2005 wrap up. Kick it Over! Students — join your Campus JammerGroup and jam your Econ. department. -- Red Dot Contest September and October winners – come and get your free shoes! Blackspots & Paris Fashion » Shareholder Discounts » Win a Pair of Blackspots » Select One TV Turnoff Unbrand America Antipreneur Drugtaker Blackspot Sneaker Blackspot Music True Cost Eco Media Carta Corp. Crackdown Buy Nothing Day CURRENT TOPICS: Does Media Activism have a future? Is the world becoming more precarious? Is environmentalism dead? more forum topics» Visit the gallery » | what is RSS? The Adbusters newsletter connects you with 84541 other cultural creatives. Watch our punchiest videos » France Norway Japan BAP France Sweden Subscribe | About Us | Contact Us | Submissions | Reprints | Media | Donate