Real Estate Broker and

NYS DOS, Real Estate Professional Page NYS Department of State Division of Licensing Services F requently A sked Q uestions Applicants for Real Estate Broker and Salesperson Licensure Do I need to be licensed? Generally, Article 12-A of the Real Property Law provides that anyone who, on behalf of another and for a fee, 1) negotiates a sale, exchange or rental of real property, 2) collects rent, or 3) negotiates a commercial loan secured by a mortgage must be licensed as a real estate broker. What is the difference between a real estate broker and a real estate salesperson? A real estate broker is responsible for the supervision and conduct of the real estate brokerage business. He or she applies for and holds the license on behalf of the brokerage. This person is known as the "representative broker." A real estate salesperson works for and is supervised by the representative broker. The salesperson acts as the representative broker's agent. All listings, although perhaps negotiated by a salesperson, are accepted by the representative broker. How do I become a real estate salesperson or broker? In order to qualify for licensure as a real estate salesperson, an applicant must have satisfactorily completed a 45 hour salesperson qualifying education course in real estate approved by the Secretary of State, and have passed a qualifying examination administered by the Department. In order to qualify for licensure as a real estate broker, an applicant must have at least one year of experience as a licensed real estate salesperson or at least two years of experience in the general real estate field (e.g., buying and selling your own property, managing property owned by your employer), have satisfactorily completed both the qualifying salesperson course of 45 hours and an additional 45 hour real estate broker course as approved by the Secretary of State, and have passed a qualifying examination administered by the Department. Who licenses mortgage brokers? Anyone who negotiates or attempts to negotiate any mortgage loan other than a mortgage loan on residential property, in the state of New York, is required to be licensed as real estate broker, or as a salesperson associated with a real estate broker. This license is issued by the NYS Department of State. To negotiate a mortgage loan on residential property (one to four family building) registration with the New York State Banking Department is required. If I am a real estate management company, do I need a real estate broker's license? That depends on what services you provide. If you collect rent or place tenants in vacant spaces on behalf of your landlord client, the answer is yes. If, on the other hand, your services are strictly maintenance, the answer is no. you are not acting as a fiduciary (not handling another person's money). Whom do I call if I am not sure whether I completed my 22.5 hours of continuing education during my license term? Contact the school(s) you attended. Schools are required by law to maintain course completion records for three years. You may request duplicate certificates from the school(s) in the event you are audited. In order to renew my salesperson license, I completed the 45-hour broker qualifying course. Can I apply the extra 22.5 hours to my next license term? No. The law clearly states that continuing education must be completed within each license term. I could not complete the continuing education, but I wish to renew my license anyway. Can I apply for an extension? Please refer to §177.6 in the real estate law booklet. Extensions will only be granted in bona fide hardship cases. You must submit the following, preferably prior to your license expiration: a written request for the extension, completed renewal form, fee, and original documentation demonstrating your hardship; i.e. , medical documentation. I think I might be exempt, but I am not sure when I originally became licensed. Can you tell me when I was first licensed? No. The Department of State only maintains seven years of real estate records. You may possibly determine your original date of licensure if you know when you completed the salesperson course and how long it took you after completing the course to apply for your license. What happens if I do not complete my continuing education and don't renew my license? If you do not renew your license, you cannot conduct any real estate activities that require a New York State real estate license in accordance with Article 12-A of the Real Property Law. There are no grace periods that allow you to continue working while not licensed. You have two years from the date your license expires to renew your license. If you fail to renew within that period, you will be required to pass the state written examination. No continuing education will be required to repeat the licensing process again. When you submit your new salesperson application, you must include the following: your new examination results, application fee, and a copy of your expired license/pocket card or ORIGINAL proof of completing the salesperson course. If possible, it is better to submit original proof of your salesperson course. If you do not have an original certificate, then call the school where you took the course to request another certificate. If you are applying for your broker's license, you must submit ORIGINAL proof of your 45-hour salesperson course and 45-hour broker course, or a copy of your expired broker's license. How do I obtain a waiver from the 45-hour salesperson or 90-hour broker course requirement? You must submit a written request stating the waiver you are applying for along with ORIGINAL proof of course completion, a detailed outline listing topics and hours, and a course description. We only review prelicensing courses from other states that were completed in a classroom setting. (No home-study/correspondence courses.) The prelicensing salesperson's course must be at least 45 hours of classroom instruction and the broker's course, 90 hours. In addition, if you have graduated with a Master's Degree with a concentration in real estate, you may qualify for a 90-hour waiver of the qualifying courses. Please submit an official transcript with your waiver request. If you are granted a waiver, you will receive the waiver letter, the license application, real estate law booklet, and examination schedules. When you are ready to apply for your license, please submit the ORIGINAL waiver letter with your application, fee, passed examination results, and any other required documents. I have been a real estate licensee for many years. Am I exempt from the continuing education requirements? Article 12A statutorily requires all real estate brokers and salespeople to complete 22½ hours of Department of State approved education within their two-year license period prior to the date of expiration. The law does provide for an exemption from this requirement for a real estate broker who has 15 consecutive years of combined licensure as a salesperson and a broker and who is actively engaged in the real estate business as a real estate broker at the time of renewal, or an admitted NYS attorney. Where do I get more detailed information? You may access pertinent law and regulations, applications and exam schedules from this website. You may also request this or other information by calling a Division of Licensing Services customer service representative at (518) 474-4429 or by writing to: New York State Department of State Division of Licensing Services 84 Holland Avenue Albany, New York 12208-3490 [ NYS Department of State Home Page ] [ Licensing Services Menu ] [ Real Estate Professionals Page ]

real estate listings, homes

Real estate listings and homes for sale - RELO National Home Search Real estate listings and homes for sale - RELO National Home Search Search 2 million mls listings from The Leading Real Estate Companies of the World U.S. State Search U.S. Map --- Quick Search -- select state -- Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Moving Day Checklist You've arranged for the movers, packed up a bunch of stuff, are you ready to move? Here's a list to help you make sure that you've done everything you should do to prior to the movers walking through your door… >> Click to continue Zip Code Home Search: County Search: Jump to State: Alabama Alaska Arkansas Arizona California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana North Carolina North Dakota Nebraska Nevada New Hampshire New Jersey New Mexico New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Search by Metro Area: New York Chicago San Francisco Los Angeles Washington DC Boston Save 15% on your FICO credit score. Enter promo code "RELO" to redeem your discount. RELO National Home Search helps consumers find real estate listings, homes for sale or real estate agents. The tool enables consumers to search 2 million local real estate listings and homes for sale. Before buying a home, search mls listings and homes for sale to find a real estate agent through RELO National Home Search. According to the National Association of Realtors, 72 percent of consumers look for a residential property online. RELO National Home Search provides moving assistance to relocating consumers and second-home buyers. RELO Home Search links over 600 RELO members' websites together, the majority offer local mls listings in their area. Further, RELO provides relocation assistance services and international relocation through the RELO network. Whether you are buying a home, considering moving to a new city, considering a second home or selling a home, use RELO National Home Search to tap into the country's largest network of leading independent residential real estate firms across the nation and around the world. All RELO real estate companies focus on relocation and home buying help. © 2002 – 2003 RELO ® All Rights Reserved. | Terms and Conditions | Bookmark Page | Read Real Estate Articles

real estate prices .

Australian real estate prices and accurate property valuations Forgot password? FAQ Site Map Contact Us -- PropertyValue provides the most in-depth, up-to-date and independent property reports of house prices and market trends in Australia. Whether you are buying, selling, investing or simply want to find more about a suburb , we provide the very latest real estate prices . Individual Property Report: Accurate Price Estimate for Houses and Units Thinking about selling your home or buying a new house? Do you know what your home is worth? Use our accurate and reliable online property valuation service to get your home value estimate and compare the most recent and neighbouring real estate prices. It takes just 60 seconds. Postcode Sales History: Official and Complete List of Property Sales in your Area. Find out which property was sold and for how much. Access millions of real estate prices instantly! Finally the official and complete list of property sales is available to you. Directly sourced from the Valuer General's Office, this comparable sales data helps you follow the real estate market activity in your area or your street. Results include sale price, sale date, full property address, dwelling type and property description. Investor Report: Buyer's Guide to Australia's Top 100 Suburbs Where to invest in 2005? Compare and contrast the top 100 suburbs in your state using easy-scan charts and exclusive heat-maps ; Pick the suburb right for you and find out which area is making money and which one is underperforming the market. Includes expected capital growth for the next 12 months, rental values and rental returns. Free Postcode Profile: Detailed Information on Demographics and Housing Market Moving or relocating? Hundreds of suburbs, but which one offers the best conditions? Access almost 100 pieces of data on every postcode in Australia (Crime rates included) for FREE . Download now this exclusive report and get the most recent house and unit median prices and population demographics. Got questions? Need service? Contact: Customer Service service@PropertyValue.com.au View Cart & Checkout Your cart is empty. Enter Promo Code: Object reference not set to an instance of an object. Server Error in '/' Application. Object reference not set to an instance of an object. Description: An unhandled exception occurred during the execution of the current web request. Please review the stack trace for more information about the error and where it originated in the code. Exception Details: System.NullReferenceException: Object reference not set to an instance of an object. Source Error: Line 65: <td bgcolor="#DCDCE1">Line 66: <pv:ShoppingCart id="ctlCart" Runat="Server" /> Line 67: <pv:VIP id="ctlVIP" Runat="Server" /> Line 68: <pv:SMS id="ctlSMS" Runat="Server" />Line 69: <pv:Discounts id="ctlDiscounts" Runat="Server" /> Source File: C:\websites.net\skin-bottom.aspx Line: 67 Stack Trace: [NullReferenceException: Object reference not set to an instance of an object.] PV.UControls.YourVIP.GetFieldSize() +18 ASP.your_vip_ascx.__Render__control1(HtmlTextWriter __output, Control parameterContainer) +440 System.Web.UI.Control.RenderChildren(HtmlTextWriter writer) +27 System.Web.UI.Control.Render(HtmlTextWriter writer) +7 System.Web.UI.Control.RenderControl(HtmlTextWriter writer) +243 ASP.skin_bottom_aspx.__Render__control1(HtmlTextWriter __output, Control parameterContainer) in C:\websites.net\skin-bottom.aspx:67 System.Web.UI.Control.RenderChildren(HtmlTextWriter writer) +27 System.Web.UI.Control.Render(HtmlTextWriter writer) +7 System.Web.UI.Control.RenderControl(HtmlTextWriter writer) +243 System.Web.UI.Page.ProcessRequestMain() +1926 Version Information: Microsoft .NET Framework Version:1.1.4322.2032; ASP.NET Version:1.1.4322.2032

selling homes. Chandler Realty

Vancouver Real Estate Agent BC - Realtor | Downtown Vancouver Condos for Sale maggie chandler vancouver realtor chandler realty Ltd. Real Estate Agent in Vancouver BC Maggie Chandler, the founder of Chandler Realty, has been working in the Vancouver real estate market since 1981. With over 22 years experience as a real estate agent, as well as expert skills in negotiation and marketing, she is a top producer for buying or selling homes. Chandler Realty specializes in apartments and condos in Downtown Vancouver's Coal Harbour and the West End as well as homes in Vancouver Westside, Kitsilano, and False Creek. To learn more about about Maggie's services visit: Real Estate Services (a new window will open) View Home and Condo MLS Listings Contact Maggie Or visit the links below for more information on: Vancouver's real estate market Tips for buying and selling your home Information on Vancouver's Kitsilano community Read the July edition of the Realty Times Personal Information Information Center Search For Property Vancouver Real Estate Agent My Testimonials My Commitment Real Estate Reports Vancouver Demographics Vancouver 5 Year Condo Price Graph Affiliate Partners Vancouver Average Price Graph Residential Listings Search MLS Investors Recreational Listings Agent Referrals Extended Search Buying Home Selling Home Kitsilano Neighbourhood Helpful Mortgage Tips For Buyer Find Your Dream Home Vancouver City Tours Buying and Selling Canadian Property Vancouver Home Buyer's Handbook TheRealEstateBook Marketing Advantage Helpful Tips For Seller Beat the Competition Tips for Selling Your Home Offer Guidelines for Sellers Moving Vancouver Neighborhoods Kitsilano History Arbutus Walk Solds Arbutus Walk Properties Kitsilano Community Coal Harbour Neighbourhood Coal Harbour Vancouver, BC Coal Harbour Property Listings Avila - 560 Cardero Street Carina - 1233 Cordova Street Harbourside Park - 555 Jervis Bauhinia - 535 Nicola Street Cielo - 1205 West Hastings Harbourside Park - 588 Broughton 1616 Bayshore Drive Classico - 1328 West Pender Palladio - 1228 West Hastings 1650 Bayshore Drive Denia - 499 Broughton Living Shangri-La - 1189 West Georgia 1680 Bayshore Drive Dockside - 1478 West Hastings Shaw Tower - 1077 West Cordova 1710 Bayshore Drive Escala - 323 Jervis Street The Melville - 1189 Melville 1790 Bayshore Drive Flatiron - 1277 Melville Street The Ritz - 1211 Melville Waterfront Place - 576 Nicola Home Downtown Real Estate Contact Vancouver real estate agent to help you buy / sell a home or condo in downtown Vancouver.

Land Loan Up to

Members 1st Federal Credit Union - Home Equity Loan Rates Thursday, December 29, 2005 Home | About M1 | Contact Us Events | News | What's New Online Services Deposit Accounts Loans Rates Business Services Investing Membership Locations Loan Rates Deposit Account Rates VISA Credit Card Rates Disclosures Vehicle Loans Mortgages Home Equity Loans Student Loans Variable Rate Loans Luxury Loans Miscellaneous Loans Calculators Home Equity Loan Rates Printer Friendly Format Members 1st can help with quick, convenient, low-cost financingfor the purchase of new and used automobiles, passenger vans and pickup trucks. All rates are expressed as ANNUAL PERCENTAGE RATES. Rates are subject to change without notice. Loan rates as low as those listed beloware effective Thursday, December 29, 2005 Home Equity Loan Up to 80% Equity * Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 180 Months 6.49 6.74 Payment Buster 6.64 6.74 Home Equity Loan Up to 100% Equity * Term APR 12 Months 5.99 24 Months 6.24 36 Months 6.24 48 Months 6.74 60 Months 6.74 84 Months 6.99 120 Months 6.99 Land Loan Up to 80% Equity Term Loan Amount = $60,000 APR Loan Amount 12 Months 4.74 5.24 24 Months 4.99 5.49 36 Months 4.99 5.49 48 Months 5.74 5.99 60 Months 5.74 5.99 84 Months 6.14 6.24 120 Months 6.14 6.24 144 Months 6.49 6.74 Land Loan Up to 90% Equity Term APR 12 Months 5.74 24 Months 5.99 36 Months 5.99 48 Months 6.49 60 Months 6.49 84 Months 6.74 120 Months 6.74 * Home Equity Loan rates are for primary residences only (consult your loanofficer for rental property rates). Your rate my vary from what is listed and will be determined by your individual credit profile and Loan to Value. All rates reflect a .20% reduction for Payroll Deduction /Direct Deposit / Auto Transfer. Savings insured by the National Credit Union Administration Equal Housing Lender Equal Opportunity Lender Fraud & Security Center ©2004 Members 1st Federal Credit Union Mechanicsburg, Pennsylvania Internet Terms of Usage Privacy Statement