Home Mortgage

Home Loans, Refinancing, and Home Mortgage Financing tag, as close to the beginning of it as possible-- Purchase Refinance Home Equity Apply Now Online Application Status -- Check Out Today's Rates Search Need Help? Home Quick Info Tools CUSTOMIZE ONLINE RATES Loan Product: Purchase Refinance State: -Select a State- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware DC Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada N.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 Zip Code: Loan Amount: Est. Home Value: Loan Amount: Interest Rate: Term (Years): Estimated Monthly Payment: SHORTCUTS Today's Rates Local Branch Calculators Privacy & Security The Right Loan Program First-Time Buyer Guide Buying a Home Loan Programs Simplified Flexible Options for New Home Construction THE LEARNING CENTER MY ACCOUNT Registered? Forgot Password? User Name: Password: Log into My Account Build equity faster with the GMAC Mortgage Equity Rewards MasterCard credit card... more... -- Hurricane Relief Current GMAC Mortgage Customers: Call 1-800-766-4622 for assistance if you have been affected by the storm. Find out how we're helping customers Loan Applicants: If you applied for a loan in one of our Louisiana or Mississippi offices, you can check the status of your application by contacting your loan officer or processor directly, or by calling the regional office at 1-888-682-9844 . If you applied for a loan online or over the phone, you can check the status of your application by calling 1-800-876-4622 . Donate Now Donate Now GMAC Mortgage customers affected by the storm should call 1-800-766-4622 for assistance. If you have a loan application in process with one of our local offices in Louisiana or Mississippi, please contact your local office or call our Regional Office at 1-888-682-9844 . -- Start Your Online Application Find a Local Expert Privacy | Legal Information | Auto Insurance | GMAC HomeSolutions | Contact Us | About Us | Careers | Site Map © 2005 GMAC Mortgage Corporation. All Rights Reserved. GMAC is a registered service mark of the General Motors Acceptance Corporation Real Estate and moving services offered by GMAC Home Services, Inc. and GMAC Global Relocation Services, Inc. GMAC Residential Holding Corporation is the parent of GMAC Mortgage Corporation, GMAC Home Services, Inc., Ditech Escrow Services, Inc., GMAC Bank and GMAC HomeSolutions. Because of these relationships, any of these referrals may provide GMAC Residential Holding Corporation with a financial or other benefit. Close This link will take you to another site that is not affiliated with gmacmortgage.com. Therefore, GMAC Mortgage's privacy policy will not apply. For your safety, please check with the sites privacy policy before entering your information. Thank you. Close

Texas Land Trusts About

TPWD:About Texas Land Trusts Maincontent Local Navigation Show navigation search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home Land & Water Land Private Tltc Texas Land Trusts About Texas Land Trusts Starting a Land Trust Texas Land Trust Directory Foreword Listing Regional Index About the Texas Land Trust Council ( TLTC ) TLTC Board of Directors and Honorary Council News 2004 TLTC Conference Speech Bulletin Board TLTC Publications Land Trust Resources Texas Land Trusts Top 1-Million Mark in Acres Conserved Texas Land Trusts What is a land trust? A land trust is a local, state or regional nonprofit organization directly involved in protecting land for its natural, recreational, scenic, historical or productive value. How do I find a land trust in my area? There are currently 39 land trusts in Texas. Let the Texas Land Trust Directory be your guide in locating a land trust close to you. How do you start a land trust? Setting up a land trust requires careful research and planning. The Texas Land Trust Council has compiled many of the resources you need to answer your questions and establish a successful land trust. About the Texas Land Trust Council The Texas Land Trust Council is committed to promoting and sustaining the conservation efforts of Texas's land trusts. Learn more about the growing number of Texans protecting our distinct heritage . What's a conservation easement? A conservation easement ( PDF 1.6 MB ) is a restriction landowners voluntarily place on specified uses of their property to protect natural, productive or cultural features. It is recorded as a written legal agreement between the landowner and the "holder" of the easement, which may be either a nonprofit conservation organization or government agency. Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: October 12, 2005, 12:46 pm

Real Estate Broker

Find a Real Estate Agent Real Estate Agent Home faq contact sitemap Home Buy a Home Sell a Home Directory Glossary FAQ Contact Us Dec 29,2005 Find a Real Estate Agent! -- Whether you're planning on buying or selling a home, choosing the right Real Estate Agent is one of the most important decisions youll make. Let Real Estate Agent.com help. Please enter in your zip code of interest below or browse our city and county directory to find a local real estate agent. Buy a Home Enter Your Zip Code of Interest: Sell a Home Enter Your Zip Code of Interest: You can also browse our Directory to find a Real Estate Agent in your State, County, and/or City. Real Estate Agent .com is one of the fastest growing directories of Real Estate Agents on the Internet, so if you are unable to find an agent in your area, contact us and we will find an agent to contact you shortly! Advanced Search Buy a Home Sell a Home City OR County 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 Why Use A Real Estate Agent? When selling a home , a real estate agent can be an indispensable resource. Real estate agents can give you up-to-date information regarding prices, financing, terms and conditions of competing properties, and information about the housing market in general. A real estate agent will market your property to other real estate agents as well as to the public, and will know the best way to go about doing so. A real estate agent can also help you objectively evaluate buyer proposals, and then, finally, help you close the sale. In fact, a 2002 study on Home Sellers reports that the median sales price of an agent-assisted home was 27% higher than one sold "by owner". When buying a home , having the assistance of a real estate agent can be equally as important. Real estate agents have access to resources for assisting you in your home search not available elsewhere. A real estate agent can also provide you objective information about each property, and give you advice based on years of experience. A real estate agent will help you negotiate and also steer you through the closing process to make sure everything goes smoothly. We understand how difficult it can be to buy a home for your family or to sell your home on today's real estate market. We aim to build the bridges between people like you and your local real estate agent professional to ensure that you receive the help you need on a one on one basis. Agent can help you prepare financially to buy a house, has access to house listings, and can help you negotiate and close the deal. 5 Most Popular Questions How big is an acre? Why should I use a real estate agent? What is equity? What is a REALTOR? What is comprehensive homeowners insurance? Mortgage Calculator Real Estate Investment Software Moving Supplies Advertise Link Exchange About Us Testimonials Contact Us Links RealEstateAgent.com 2003 - 2005 Privacy Policy Terms Of Use Client Login Developed by Volico Web Consulting RealEstateAgent.com is a method of advertising for Real Estate Agents and Agencies. In no way is RealEstateAgent.com responsible for the services provided by the advertisers on this site, nor can it be held liable for any damages resulting from the services, contracts, or deals resulting from agents found within this site. Please view our Disclaimer for more details.

Buy Property

Buy properties for sale in Cyprus at Protaras Nicosia Larnaca Famagusta and Paralimni - with properties for sale in Cyprus you can invest in Cyprus property. Chara Corinthia Villas Protaras - FREE Chevrolet Matiz with the purchase of any Corinthia Villa. Limited time offer so hurry! Properties for sale in Cyprus at www.buypropertyincyprus.co.uk Properties for sale in Nicosia - Apartments Properties for sale in Nicosia - Villas Properties for sale in Nicosia - Houses Properties for sale in Nicosia Properties for sale in Famagusta - Protaras Properties for sale in Famagusta - Paralimni Properties for sale in Famagusta - Aiya Thekla Properties for sale in Limassol Properties for sale in Larnaca Properties for sale in the Mountains -Psvedas Properties for sale in the Mountains -Lythrodontas Resale Properties for sale in Cyprus Inspection visits to Cyprus Request Information Properties for sale in Cyprus See our properties for sale in Cyprus and find that villas and apartments in Cyprus are excellent value for money. We provide information on some of the largest Cyprus property developments and you will find villas and apartments for sale in Paphos, Apolis, Pafos, Kalamyes, Paralimni, Famagusta, Nicosia, Protaras, Lythrodontas and Latsi. Explore the properties for sale in Cyprus and contact us when you're ready for more information. You may have been on holiday in Cyprus and now want to take the next step in buying a place in the sun. We have information on villas, houses and apartments for sale near beaches and in the major towns of Cyprus...NEW DEVELOPMENTS BEING RELEASED IN THE NEXT FEW DAYS - WATCH THIS SPACE! Meanwhile have a happy Christmas and a brilliant new year! Why buy properties for sale in Cyprus? We believe that Cyprus offers advantages that other destinations cannot offer, making it one of the best areas in the world to buy a villa, apartment or investment property. The benefits include: Buying property in a country which has just gained EU membership Cyprus has a strong and stable currency Properties for sale in Cyprus can be rented out There is a well developed and growing tourist industry Cyprus has a healthy stable property market Flights are readily available from the UK and Ireland The benefits of buying a property in Cyprus through us. If you are buying a property abroad the purchase process can seem daunting.. We give you as much support as you want and make the purchase process easy. The benefits we offer include: Buying from one of the largest developers in Cyprus, with many years experience and a solid reputation We believe in low pressure sales. If you want to buy a villa in Cyprus we will help you all we can, but you drive the process. We will give you lots of information and hold your hand - not push you. We can arrange inspection visits, and if you buy a property from us we will refund flight costs for two people - see inspection visits If you are coming to Cyprus on holiday let us know and we can integrate property viewings with your busy beach schedule. We can provide you with information ona range of mortgage options. As Cyprus is nowa member of the EC, the major banks on Cyprus and now able to provide mortgages to ex pats. We will provide advice on a case by case basis. When you purchase a property we can organise management and cleaning services, so you have peace of mind when you are not staying there yourself. In short, there are few problems you will come across that we haven't encountered before and can't provide you with a solution for! How can I buy properties for sale in Cyprus? The process of buying a property for sale in Cyprus is similar to the stages in buying a home in the UK. The pitfalls are also similar. It is important not to over-stretch yourself financially, and to ensure that you can afford the deposit and subsequent mortgage. Having said that, we have been amazed at how efficient the builders are at making it all happen in a short space of time. In our experience, most are keen to help. Consider the properties we have on offer in different parts of Cyprus and contact us for more information on your selected developments. We can help to plan your inspection visit to select property and can help make it happen for you. CYPRUS in BRIEF History The strategic position of the country, at the crossroads of three continents has probably been the main reason for its turbulent history throughout the ages. Many different races, the main ones being the Egyptians, Romans, Byzantines, Francs, Venetians, Turks and British, have occupied the island. Although each one of these conquerors left their mark on the island, the Greek identity has been preserved throughout the ages. In 1960, it gained independence under the London-Zurich agreement. But freedom was short-lived. In 1974, after an abortive coup d'etat, Turkey invaded and occupied 38% of the island's territory in the north. Although, the problem has not yet been resolved, political and economic stability were fully restored soon after the invasion. Geography Considered a European country, it is situated in the eastern region of the Mediterranean at the crossroads of Europe, Asia and Africa. The island's total area is 9251 square kilometres while the island time zone is exactly 2 hours ahead of London and 7 hours behind Tokyo. The landscape is one of infinite contrasts, from its fertile central plain to the cool, vine clad foothills; the majesty of the cedar valley in which wild indigenous moufflon roam; mile after mile of sandy shores with secluded beaches to seek out, and hundreds of villages to explore, each with its own tradition and charm. Climate This beautiful country enjoys perhaps the best type of Mediterranean climate with about 340 warm and sunny days. Summer is the season of constant sunshine and cloudless skies. Winters are mild with some rain, and snowfall on Troodos Mountains. Maximum mean temperatures range from 14C or 57F in January to 37C or 99F in July and August. Standard and Cost of living Cyprus enjoys a fairly high European standard of living, while at the same time remains a relatively inexpensive country. According to a survey conducted by the Union Bank of Switzerland it is ranked as the 10th least expensive business centre in the world and the least expensive in the whole of Europe. Real Estate a non Cypriot is allowed to buy in Cyprus A non-Cypriot is allowed to buy a flat, house or a plot of land not exceeding two donums, 2676 square metres. However, in case there is a special reason and you need more than the law states, permission may be granted. Freehold All the properties for sale in Cyprus are freehold. Currency The currency is the Pound, which is sub-divided into 100 cents. As from June 1992, the exchange rate of the currency has been pegged to the ECU. The margin within which the currency is allowed to fluctuate has been fixed at 2.25% above or below the central value, 1.7068 ECU. Cyprus property is available to suit a wide range of investment budgets. If you are seriously looking at properties for sale in Cyprus then contact us and we will help you find the property to meet your needs. We advertise properties for sale in Cyprus for investors, buy to let clients, and people who want to live in Cyprus in a secure new home. Villas and apartments are for sale in Paphos, Apolis, Pafos, Kalamyes, Paralimni, Famagusta, Nicosia, Protaras, Lythrodontas and Latsi. Buy Cyprus property. Rented out your villa in Cyprus? Travel to Orlando Florida and visit www.southern-palms.com to live in comfort while you explore! With four bedrooms, three bathrooms and a heated pool, this luxury villa at Orange Tree is the perfect Orlando rental. Cyprus Property Resources | Property 2 | Property 3 | Cyprus Property Finance | Property and Holiday | Property and Home | Property Travel | Property Utilities - - - - - - - - © System Alchemy Ltd | Design by www.systemalchemy.com - - - - - - - -

Land Loan , In

LoanUniverse Community - Commercial Land Loan loanuniverse.com Help Search Members Calendar Welcome Guest ( Log In | Register ) LoanUniverse Community Community Forums Loanuniverse Forums Outline ·[ Standard ] · Linear+ Commercial Land Loan , In Miami Florida Track this topic | Email this topic | Print this topic Marnie1065 Dec 6 2005, 08:37 PM Post #1 Summer Intern Group: Members Posts: 1 Joined: 6-December 05 Member No.: 1,029 Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks -- loanuniverse Dec 7 2005, 09:27 AM Post #2 Administrator Group: Admin Posts: 1,089 Joined: 23-September 02 Member No.: 1 Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. -- lelting Dec 14 2005, 10:48 PM Post #3 Full-Time Teller Group: Members Posts: 13 Joined: 13-November 05 Member No.: 971 I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV -- LenderBuddy Dec 15 2005, 10:55 AM Post #4 Head-Teller Group: Members Posts: 23 Joined: 11-November 05 From: San Francisco Member No.: 968 If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. -- « Next Oldest · Loanuniverse Forums · Next Newest » 2 User(s) are reading this topic (2 Guests and 0 Anonymous Users) 0 Members: Close Topic Options Track this topic Receive email notification when a reply has been made to this topic and you are not active on the board. Subscribe to this forum Receive email notification when a new topic is posted in this forum and you are not active on the board. Download / Print this Topic Download this topic in different formats or view a printer friendly version. Forum Home Search Help Community Forums |-- Loanuniverse Forums Lo-Fi Version Time is now: 29th December 2005 - 03:39 PM Invision Power Board v2.0.4 © 2005 IPS, Inc.