Land loans , acquisition

loans: commercial mortgages land loans commercial financing Domestic international project financing international financing, international loans, international project financing . . . . . . . . . . 1 commercial real estate, asset business loans, commercial real estate finance, lender, loan services, equipment financing, equipment leasing, commercial equipment loans, equipment lending, loans for equipment, domestic and international equipment financing, equipment sale leaseback, business loans, working capital, buy back, refinance, hard cash money, business and finance, commercial lender, financing, equipment sale leaseback, financial services, commercial real estate finance, bridge, resale, commercial property loans, finance, equipment sale leaseback, small business financing, equipment lease, leasing, commercial mortgage, accounts receivable factoring, business, commercial, signature, unsecured personal business lines of credit, 144 restricted and free trading stock loans, stock block purchases, equipment sale, ease-back, funding, equity, lender, medical healthcare doctor financing, purchase order, advance commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, richard milford, mortgagecapfinancial Mortgage Cap Financial provides commercial real estate financing to real estate investors and developers in need of construction, interim, or long term funding on commercial real estate. 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 Mortgage Cap Financial PHONE: 212-631-4272 FAX: 212-208-3069 Please bookmark this site for future reference. email us Loan Types 1 Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format International Financing / International Project Loans: Loan amounts: 20,000,000 and above. Geographic: International with emphasis on projects in North, Central and South America, Europe and Asia. Types of projects: All types of large residential and commercial real estate developments, mergers and acquisitions financing for successful companies seeking to expand or buy out other companies, energy projects such as power plants, ethanol plants, oil and gas refineries, large infrastructure projects such as roads, bridges, railroads, cement plants, hotels, and casinos. Types of financing: Loan terms and conditions would be dependent upon the perceived risk of the project and the strength of the principals; however the rates and terms are very competitive. Please e-mail a summary of the International Project Loan request. LAND ACQUISITION AND DEVELOPMENT FINANCING CONSTRUCTION AND DEVELOPMENT FINANCING Loan amounts: 1,000,000 and above. Very large loan requests welcome. Types of properties: Land , construction and development of multi-family , hotels, motels , casinos, shopping centers, office buildings, industrial complexes, mixed use properties, nearly all general and special purpose properties will be considered. Rates and terms are reviewed with the principals and /or broker after submission of loan submission form and executive summary of the project has been received. Geographic areas: Throughout the United States with loan amounts 1,000,000 and above. International loans 20,000,000 and above. Projects in Mexico can be reviewed in loan amounts of 1,000,000 and above. Types of loans available: Land loans , acquisition and development financing, bridge loans, fast equity loans, and long term financing of 5 years and longer. Small, medium and large size developers are invited to submit loan requests. Types of land projects that we have reviewed recently are residential subdivisions, land lots, commercial development of land lots and subdivisions of mixed use properties. Interest rates are reflected by the perceived risk of the project and the financial strength of the principals and the willingness of the principals to guarantee the loan requests. Also the amount of time the principals have to act upon the loan request, very fast loans can be provided but the cost of capital will be higher because funds are derived from private funds. For projects that have a 30 to 60 day window to close interest rates can be lower because a greater amount of time is available for due diligence and greater amount of documentation can be provided and supported. We are able to assist developers in virtually all phases of their development whether it be a commercial or residential development, and sometimes there may be more than one solution to their financing request and they will be presented after review of their construction and development loan request . Special purpose property types such as amusement parks, casinos, power plants, and owner occupied business properties such as offices, gas stations, truck stops, and other special purpose properties can be considered. We understand the needs of the developer, and whether you need a fast loan to take advantage of a special acquisition opportunity or need a complex financial structure to build out your next project we are ready to consider your construction and development financing request. Please submit an executive summary of your construction and development loan request to Mortgage Cap Financial by E-Mail . Brokers and principals invited to acquire about all of our financing programs, information and checklists about the requirements of the various financing programs can be obtained by reviewing our entire web site. If there are any questions, please contact us . Domestic and International Financing Program: Loan amounts: 20,000,000 and above, all size projects that are 20,000,000 and above can be considered. Geographic: USA and Internationally based projects can be reviewed. Types of projects: Real estate, energy, and all type of infrastructure projects. Types of projects can include residential and commercial real estate development, hospitality and medical related facilities, power plants, oil and gas mining projects, infrastructure projects such as tunnels and railroads and other large scale projects that are needed throughout the world. Terms and conditions: That is dependent upon the specific project and the perceived risk of the project. Please e-mail us a summary of your project. Land / Construction Loans Quality Properties and Borrowers Loan Amounts: $3,000,000 - $20,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: land acquisition, refinance for infrastructure and construction Loan to Value (LTV): Purchase: to 90% of cost Refi: 60- 75% of as is value Construction: to 100% of construction cost Recourse: Yes. Non-recourse will be considered Advance Fees: NONE in most cases, until Term Sheet/LOI is issued. Then 3 rd party costs and out of pocket expenses. Loan Fees: 5-7 points Interest Rates: 11-14% Term Sheet / LOI: 5-7 days Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter Preview Checklist: 1. Executive Summary: 1-2 page Deal Summary. Include property history and any challenges that exist. Please be sure to include exact property location and description, detailed use of proceeds and Exit Strategy (how and when loan will be paid. 2. Purchase price or year of purchase and purchase price, if refinance 3. Executive Summary from latest appraisal 4. Resume and Personal Financial Statements on all Borrowers 5. Most recent business and personal tax returns on Borrowers 6. Current Credit Bureaus with FICO scores on Borrowers 7. Cash equity investment by Borrowers AND detailed use of cash to date. 8. Detailed use of funds and construction budget, if applicable 9. Status of required entitlements and approvals 10. project timetable for remaining entitlements, infrastructure, construction to Lease-up or full sell out 11. Pro-forma financial projections and operating statements. Digital aerial photos of property, if available LAND LOANS: Loan Amounts: 1,000,000 to 100,000,000 Geographic areas: USA, Canada, and Mexico Acquisition land loans up to 80% of purchase price and refinancing up to 70% of the value of land. SMALL LOAN PROGRAM FOR COMMERCIAL AND MULTI-FAMILY PROPERTIES: Loan Amounts: 500,000 to 3,000,000 Property Types: Apartments, retail, industrial and office buildings, hotels and motels. Mixed use properties such as apartments over commercial use property are acceptable. JUMBO COMMERCIAL FINANCING: Loan Amounts: 5,000,000 to 750,000,000 Terms: 5 TO 25 YEARS Property Types: MULTI-FAMILY, COMMERCIAL, DEVELOPMENTS, HOTELS, RESORTS, CASINOS, RESIDENTIAL DEVELOPMENTS Loan To Value: UP TO 90% Geographic: USA, CANADA, plus NORTH, CENTRAL, AND SOUTH AMERICA RATES ARE BASED ON RISK INHERENT WITH PROJECT. Types of Loans: CONSTRUCTION AND LONG TERM LOANS SECURED BY LAND AND IMPROVEMENTS BELOW PRIME RATE - FIXED RATE FINANCING: Owner User and Investment Properties Available in all 50 states . LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) DOCUMENTATION: Full Doc only min DCR of 1.2 CREDIT SCORES: 650 FICO PROPERTY TYPES: Owner User or Investment Properties: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered - case-by-case. NOTE: Flagged hotel/motel and restaurants ARE eligible for this program. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties INTEREST RATES 2 year fixed rate: Prime less 1.25% AS LOW AS: 5.75% Current APR NOTE: At end of 2 yr term, Borrower will have option of quarterly adjustable at P +1% or 5 yr fixed at then current rates. PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase rate by .625%) Other programs available with 5,7,10 and 25 yr* fixed rates. Call 212-631-4272 for details and quotes. * 25 yr fixed rate available only on Owner User Properties. COMMERCIAL CONSTRUCTION FINANCING: LOAN TO COST: UP TO 90% OF THE PROJECT CAN BE FINANCED, IN CERTAIN CASES UP TO 100% OF THE PROJECT CAN BE FINANCED. LOANS AVAILABLE NATIONWIDE USA. ALL 50 STATES CONSIDERED. MORTGAGE FINANCING: FIRST AND SECOND MORTGAGES AVAILABLE THROUGHOUT THE UNITED STATES. CONSTRUCTION LOANS ALSO AVAILABLE. LOAN AMOUNTS OF 500,000 TO 200,000,000. PROJECT TYPES CAN INCLUDE APARTMENTS, SHOPPING CENTERS, OFFICE BUILDINGS, HOTELS, MOTELS, INDUSTRIAL PROPERTIES. WE FINANCE THE HOTEL AND MOTEL PROJECTS: WE CAN FINANCE THE TO BE BUILT HOTEL OR MOTEL FLAGGED OR UNFLAGGED. WE ARE READY TO PROVIDE THE CONSTRUCTION OR BRIDGE LOAN SO YOU CAN GET THE PROJECT OFF THE GROUND OR TO REHABILITATE. CONTACT: RICHARD MILFORD - PHONE: 212-631-4272 FAX: 212-208-3069 OR JUST PRESS THE E-MAIL ENVELOPE AND LETS START TALKING ON HOW WE CAN FINANCE YOUR PROJECT. INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered on case-by-case basis. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 5 year rate: 5 yr FHLB + 2.65% AS LOW AS: 10 year rate: 7 yr FHLB + 2.90% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) ATTENTION: DEVELOPERS 100% FINANCING NOW AVAILABLE Pre-Leasing : Not required Property Type(s): All property types are eligible under this program including apartments, condos, hotels, motels, office buildings, resorts, golf courses, and a wide variety of commercial and residential developments . Geography: Nationwide USA, Canada, Mexico, and other countries considered. Minimum Deal Size (all-in cost): $5,000,000 Maximum deal size (all-in cost): $750,000,000 Development Type: All types of residential and commercial developments are considered under this financing program including hotel resort projects and speculative residential and commercial projects and rehab deals. Timing: Maximum Five (5) Year Hold Period. We are seeking developers and investors who have a successful track history and can demonstrate a successful history in residential and commercial development as well as real estate investing. INVESTMENT PROPERTIES MORTGAGE LOAN PROGRAM - PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format Property Types: - Office / Medical / Apartment properties / Industrial buildings / Retail centers / Warehouse properties / Mobile home parks / Self Storage Loan Amounts: $1,000,000 - $20,000,000 Terms: 10 to 25 year term mortgages dependent on property type. Amortization: Up to 30 years. Property types: Apartments and commercial income producing properties. Loan Types: Fixed and variable rate loans for property acquisition, refinance, and permanent financing. Loan to Value (LTV): Up to 80% LTV: $1,000,000 to $3,000,000. Up to 85% LTV on apartments, office properties or anchored retail, $3,000,000 and above up to 20,000,000. Recourse: NON RECOURSE Origination Fees: PAR RATES NO POINTS FOR THIS SPECIFIC LOAN PROGRAM ONLY. Rates: 10 yr fixed rate w/ 30 year am: - Apartments: as low as 5.2% (10yr T + 100 bp 145 bp) - Commercial: as low as 5.6% (10yr T + 140 bp 170 bp) Pre-qualification: 72 hrs Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: For the investment properties loan program only: - No seller carry or secondary financing permitted for this specific loan program - No restaurant, hotel/motel, auto related or land loans for this specific loan program - No construction loans under this specific loan program PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format MULTI FAMILY INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Multi family properties in MSAs with populations greater than 50,000 TERM and AM: 25 or 30 year fully amortizing, with no calls or balloon LOAN TO VALUE: Max 1 st lien: 75% LTV. Secondary financing not to exceed 85% CLTV CASH OUT REFI: 70% max LTV with 85% minimum occupancy FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 3 year rate: 3 yr FHLB + 2.65% AS LOW AS: 5 year rate: 5 yr FHLB + 2.65% 7 year rate: 7 yr FHLB + 2.65% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OCCUPANCY: 80% minimum at time of origination and projected FLAGGED HOTEL / MOTEL PROPERTIES Quality Properties and Borrowers Loan Amounts: $2,000,000 - $10,000,000 Term / Am: 10 year term with 25 year amortization Loan Types: 10 year fixed rate loans for property acquisition and refinance Loan to Value (LTV): 70 precent maximum for purchase or refinance (no cash out). 65% maximum if cash out refinance unless being used to enhance value of property. Recourse: Full recourse for this particular program, non recourse loans may be available at different rate, terms and conditions and may have yield maintenance prepayment penalties, this particular program have different prepayment penalty scenarios are dependent upon the specific project. Origination Fees: NONE Loan Fees: 2 to 4 points Rates: 10 yr fixed rate w/ 25 year am: 6.5% to 7.5% Pre-qualification: Completion of our loan submission form, once reviewed and there is interest the documentation below will be requested. Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format Commitment Letter: Within 7-10 days of receipt of complete loan package. Funding: 30 to 45 days from Commitment Letter. NOTE: - Good credit and cash flow. DCR: 1.3 minimum. - Established properties only. No turnarounds, startups or construction. - Value based on lower of purchase price or appraisal, if purchase. - Borrower must be experienced or hire recognized hotel management company. Please note that we have other hotel/motel financing programs that will review turnarounds, both franchised and non franchised hotels and motels, rates and terms are subject to change and underwriting. NEEDED TO PRE-QUALIFY: - L ast 3 years property tax returns. - Y ear-to-date financial statements. - C urrent credit bureau with FICO on Borrowers. - Executive Summary from latest appraisal. - Current Personal Financial Statements for Borrowers. - Latest personal tax returns from Borrowers. - Digital photos of property, or web site with photos. - Last 3 years occupancy annual reports. - Year to date occupancy monthly reports. - Amount of loan request. - Detailed use of funds. Commercial Bridge and Construction Loan Program $3,000,000 to $25,000,000 Purpose: Commercial construction loans and or commercial bridge financing for the ground-up development of new commercial properties, or the renovation and repositioning of existing properties, for both pre-leased and speculative development. Loan structure, pricing, advance to cost ratios and recourse requirements are flexible and will be tailored to meet the needs, risk profiles, and requirements of individual transactions. Acceptable Property Types: Apartments Condominiums Office Retail Industrial Mixed-Use Hotels Loan Term: Typically 12 to 24 month interest only term, with extension options when appropriate. Loan to Value: 75% on most property types; 65% on special purpose and hotels Maximum Loan to Cost: 75% to 85% (up to 100% on pre-leased projects) Loan Structuring: Loans typically structured with holdbacks for funding of all renovation and/or construction costs, tenant improvements, leasing commissions, and interest carry until stabilization, with monthly draws as costs are incurred. Earnout Provisions: Earn out of up to 75% of the stabilized value funded upon achieving specified occupancy and NOI hurdles. Loan Pricing: 3.00% to 4.00% over six month LIBOR (interest only), plus Loan Fees of 2% to 4%. Liability: Loans are typically non-recourse, except for standard carve-outs. Speculative development projects will generally require completion and/or debt service guarantees. Closing Time Frame: Approximately 45 to 60 days. Quick closes available for time sensitive transactions Permanent Loan: Permanent takeout option offered with all construction / bridge loans. An Exit Fee of 1% is charged if the takeout is not elected. Nationwide Bridge Loan Financing $2,000,000 to $75,000,000 Program Guide Project Types: Interim financing used to complete a time sensitive transaction, to reposition or renovate existing properties, or to overcome temporary credit or property challenges that make the transaction unsuitable for traditional lenders. Virtually any income producing property, including retail, office, medical, apartments, industrial/flex or special purpose properties. The primary considerations for bridge loan financing are the LTV and a compelling exit (repayment) strategy. Loan Amounts: $2,000,000 - $75,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: Property conversion or renovation or other need Loan to Value: 50% to 90% depending on project specifics and deal strength Recourse: Typically, Yes. Interest Rate: As low as Prime + 1.5%, depending on transaction strength Loan Fees: Dependent on deal strength Term Sheet/LOI: 3-5 days from receipt of all requested information Funding: 10 to 45 days from acceptance of LOI OWNER USER / SINGLE TENANT Commercial Property Financing Available in all 50 states. We offer very aggressive rates to for Owner User Commercial properties where the Borrowers business is the primary tenant or there is a single credit tenant Lessee. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSES: Permanent financing for purchase, expansion or refinance with cash out. PROPERTY TYPES: Office, retail, wholesale, light industrial and Special Purpose Properties (lower LTV); restaurants, flagged hotels, auto & truck dealers, RV Parks, self storage, bowling alleys, funeral homes, etc. TERM and AM: 25 fully amortizing, no calls or balloons LOAN TO VALUE: Purchases: max 85% LTV on multi use properties, 65% max LTV on Special Use Properties Cash Out Refi: max 75% LTV, lower on Special Use Properties FIXED RATE TERMS: Fixed rate loans available for 5, 10 or 25 years INTEREST RATES 5 yr fixed: 5 yr US T SWAP + 2.50 AS LOW AS: 10 yr fixed: 10 yr US T SWAP + 2.55 25 yr fixed: 10 yr US T SWAP + 2.65 PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OWNER USER PROPERTIES Conventional Loan Programs (Not SBA) Property Types ; - Office / medical - Restaurants - Industrial buildings - Auto related - Retail properties - gas station/C-store - Warehouse properties - other special purpose Loan Amounts: $1,000,000 - $30,000,000 Terms/Ams: 15/30, 20/20 and 25/25 (>$2 mil) Loan Types: ARM and Fixed rate loans for property acquisition, refinance and construction Loan to Value (LTV): * Multi-use properties: 85% LTV. To 100% LTV with Seller financing or other real estate equity as additional collateral. ** Special Purpose Properties: 65% - 75% LTV. To 85% LTV with Seller financing or other real estate equity as additional collateral. Recourse: Yes Loan Fees: 0 1 point, dependent of deal strength Interest Rates: Qtrly Adj: Prime to P + 1.5% 5 yr fixed: P + 1.0% 2.5% 10 yr fixed: P + 1.4% 2.8% 20 yr fixed: P + 1.75% - 3.25% 25 yr fixed: P + 1.85% - 3.45% Note: rates are subject to underwriting approval and may change without notice. Pre-Qualification: 72 hrs Commitment Letter: within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: - Seller carry may be permitted. - Construction loans: all interest and principal accrues during construction - Prepay Policy: 5/5/4/3/3 - Owner Occupancy: 25% minimum. Must have cash flow without rental income. Nationwide Commercial Real Estate Development Land, Construction and Joint Venture Financing Program Guide Borrowers: Experienced investors and commercial developers with demonstrated track record comparable to current project. Project Types: Commercial, retail, office, industrial/flex, residential subdivision, planned communities, golf course communities, condominium and condo conversions. Rehab projects and Special Situation projects considered. Loan Amounts: $5,000,000 - $75,000,000 Terms: 12 to 36 months, or longer depending on project Amortization: Interest Only Use of Proceeds: Total project financing, debt or JV equity for land acquisition, refinance for infrastructure completion and vertical construction Loan to Cost: 50% to 100% depending on deal strength Interest Rates: As low as Prime + 1.5%, depending on deal strength Recourse: Typically, Yes. Non-recourse considered. Loan Fees: Dependent in deal strength Term Sheet/LOI: 3-5 days from receipt of all required information Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter. Faster as needed. Commercial Financing Matrix Property Types Ranches and Farms Gas Stations, Car Washes, Auto Related Hotel and Motels Industrial Unimproved Land Golf Courses, RV Parks, Marinas Hospitals, Clinics, Assisted Living Mixed Use Property Mobile Home Parks Apartment Buildings Office Buildings and Parks Industrial Parks Office Condominiums Owner Occupied Businesses Parking Lots Self Storage Single Tenant Buildings Sports Related Buildings and Complexes Prisons, Jails, and Juvenile Correction Centers | Condominium Conversion / Construction loans | Casinos and Convention Centers Loan Types Acquisition and Development Bond Bridge Loans Business Loans Construction Equity Second Mortgages Foreclosure Avoidance Forward Commitments Joint Ventures Mezzanine Non-Recourse Notes Purchased Remodel / Renovation SBA 504, 7A Loans Loan amounts: $1,000,000 to $350,000,000 International financing for all types of real estate, business and energy related projects. Financing for power plants, ethanol plants, wind mills, casinos. Financing for mergers and acquisitions of successful real estate and business organizations. International financing can be for business expansions, residential and commercial development projects in loan amounts of $20,000,000 and above. Financing for prisons, jails and juvenile correction centers are intended for private sector companies that have been awarded federal, state or local governmental contracts to perform these services. If there are any questions, please contact us . Click here for Commercial Loan Submission Form, please complete ande-mail or fax back to us at 212-208-3069 so we can review your project (in Word). or in Adobe Acrobat format Equipment Financing / Leasing Program - PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format Equipment Leasing Qualifications : Financing available for business purposes only. No part of any funds can be used for personal purposes, separate business banking account and company must be registered with city and state government. Customer minimum 2 years in business, start ups and businesses established less than 2 years can be considered but personal credit of guarantors will be more critical Bank account open for at least two years and handled in a satisfactory manner, again less than 2 years can be considered with compensating factors Credit previously established for at least one year with a satisfactory payment history in the form of a lease, loan or trade agreement. If no prior credit maximum lease amount may be restricted Up to $50 million available with approval of completed application. Application only types of leases up to 150,000 with exceptional credit otherwise financial statements, tax returns and completed application Mortgage Cap Financial specializes in the following transactions: All Types of Equipment Non-Rated Credits Various End-of-Lease Options Available Purchase Single Transactions and Portfolios Profitable Companies, Minimum 2 Years in Business, start up and companies that are not profitable must have compensating factors such as additional collateral and/or personal guarantors Domestic and International equipment financing Why Lease? It's simple: leasing can be more cost-effective than buying with cash, or with conventional loans -- especially if the new equipment can help increase sales or profits. And here's why: Leasing conserves your working capital. You can finance up to 100% of the equipment cost, with no money down. Leasing won't sap your business credit. In many cases, you can continue to use your existing lines of credit while leasing. Fixed payments. Your monthly payments remain the same, no matter what happens to conventional interest rates. Tax savings. Lease payments can be operating expenses that come out of pre-tax earnings. Eliminate obsolescence. With an outright purchase, you 'own' that equipment, even if it is already outdated by newer technology. A lease can be structured to terminate when the equipment becomes obsolete. Flexible Terms and Conditions. Leases can be adjusted to your needs. Options include seasonal payment skips, step-up or step-down payments, monthly, quarterly, or annual payments. Simple accounting. A lease payment is typically a line-item expense that doesn't increase your liabilities on your balance sheet. If you don't see your equipment on this list, we still should be able to lease it. Most equipment can be leased. Vendors of equipment and customers wanting to lease equipment, if you need a down payment at the time of your order we can work out special terms. PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format A AC's Aerial Lifts Air Cleaning System Air Compressor Air Conditioners Air Filter System Air Purification Alarm Alignment Machines Amusement Analytical Equipment Analyzer ATM Cash Dispenser Audio Video Audio Visual Automotive B Backhoe Bagging Machines Bakers Equipment Balers Beauty Equipment Beds, Bedding Beer Systems Beverage Dispenser Blast Cleaning Blowers Boilers Bowling Lockers Brake lathes Breathalyzer Machine Broadcasting Studio Equipment Buffer Bulk Storage Tanks Bulldozers C Cameras Car Wash Carpet Cleaner Carts Cash Register Chairs Chipper Cleaning Equipment Clothes Press Coffee Carts Coffee Maker Coin Changer Coin Laundry Equipment Color Matching System Color Mixer Computers Compressors Compactors Concrete Pump Concentrators Construction Machinery Containers Conveyers Coolers Cooling Cranes Cutting Tools D Data projector Deli Case Dental Equipment Diagnostic Equipment Digital Systems Dishwashers Dispatch Equipment Display Case Draft Box Dry Clean Press Dry Cleaning Dryer E Emergency Vehicles Engraving Equipment Excavators Espresso Machine F Fax Machines Filing Equipment Film processors Fixture Floor Machines Flower Coolers Food Preparation Food Service Equipment Forklifts Franchise Programs Frame Machine Freezer Frozen Cocktail Machine Fryer Furniture G Gas Pump Graphic Equipment H Heat Pump Heaters Heating Hospital Beds Hydraulic Submersible Pumps I Ice Cream Machine Ice Machine Ice Makers Imaging Systems Industrial Systems Inventory Control Systems Ironworkers Equipment J Janitorial Juke Box K Kiosks Kitchen Equipment L Laptops Laser Engraving Laser Systems Laundry Equipment Lawn Equipment Lifts Lighting Lock Systems Logging equipment M Machine Analyzer Mail Boxes Medical equipment Medical Imaging Merchandising Unites Microwaves Milling Machine Mobile Communications Mobile Phones N Navigational Equipment O Office Furniture Organs Oven Overhead Cranes Oxygen Concentrators P Packaging Systems Packer Bodies Pagers Paint Booths Paint Mixer Pallet Equipment Petroleum Gas Station Phone Systems Photography Equipment Piano Pizza Oven Plotter Pneumatic Tube Systems Point of Sales Portable Pumps Portable Trade Show Exhibits Prep Table Press Pressure Washer Printing Equipment Pump Systems Push Carts R Radios Range Recovery Equipment Recycling Equipment Refrigeration Register Rehabilitation Equipment Restaurant Equipment Retail Units Roll Offs Router Tool System S Salon equipment Sandwich Prep Table Satellite Dish Saws School Buses Screen Printing Equipment Security Systems Sewing Machines Signs Silk Screen Equipment Shrink Wrap & Packaging Skid steer Loaders Slicer Smart Dialers Smoker Snack Machine Snow Board Press Soda Machine Software Sound & Music Equipment Special Industrial Equipment Spray Systems Steam Cleaners Steel Pallets Store Fixtures Stove Sub Maker Surface doctor Equipment Surveillance Systems T Telephone Systems Television Systems Test Equipment Tire Equipment Tools Tractors Trailers Transportation Treatment Tables Trenching Machines Trucks Tub Grinders Two Way Radio Systems TV V Vacuum Valve Equipment Van Vehicle Monitor Equipment Vending Machines Video Security Voice Mail W Walk In Cooler Warehouse Rack Systems Washer/ Dryer Waste Equipment Waste Oil Heaters Water Conditioner Water Filter Water Softener Welder Woodworking Work Platforms Wrecker X X-ray Equipment Y Yogurt Machine Loan Types Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format PHONE: 212-631-4272 FAX: 212-208-3069 Loans provided are only for business and investment purposes. Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request. Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes. Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation. The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial. web site: http://www.mortgagecapfinancial.com Please bookmark this site for future reference. Legal Notice Last update 01/01/2006. Site created 11/27/98. Web Site designed and maintained by Able Al'sComputer Help . (c)1998-2006 Mortgage Cap Financial. 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house rentals Languedoc Roussillon

Home France Rentals: villas, houses: Languedoc, All-France SOUTH FRANCE RENTALS - HOLIDAY RENTALS IN FRANCE Rent villas house rentals Languedoc Roussillon - The Real South of France Search villa house rentals France, Italy, Spain Languedoc Regions Saint Chinian Canal du Midi Corbieres Carcassonne Clermont L'Herault Coastal Herault Coastal Aude Minervois Provence Rental sleeps Sleeps 1-3 Sleeps 4-6 Sleeps 7 plus Property Type With Swimming Pool With Garden With Terrace or Courtyard Bed and Breakfast French Regions, Italy, Spain Languedoc Roussillon Provence Dordogne, Charente, Aquitaine Brittany, Loire, & N. France Italy Spain SOUTH FRANCE RENTALS: LANGUEDOC - PROVENCE RENTALS - FRANCE 2006 France Property Rentals (Costs for one week rental) Description. Check individual listings for price and season dates. Prices here are only approximate. Bed and Breakfast where noted. Low Season Mid Season High Season St Thibery near Pezenas Sleeps 8+. STUDIO 2+ + APARTMENT 5+. TERRACE, COURTYARD , GARDEN. Near Pezenas, Beziers, Agde, Montpellier. Abbey, Shops in village. Price is for Studio £130 $250 €190 £200 $380 €290 £270 $510 €390 St Thibery near Pezenas Bed and Breakfast. 5 rooms with ensuite bathrooms . TERRACE, COURTYARD , GARDEN. Near Pezenas, Beziers, Agde, Montpellier. Abbey, Shops in village. From € 40 From € 40 From € 40 L'Olivette Caunes Minervois Sleeps 8. MAIN HOUSE + APARTMENT. TERRACE, SWIMMING POOL , GARDEN. Near Minerve, Olonzac, Narbonne, Carcassonne. Abbeye, Castels of Lastours, Restaurants, Shops in village £595 $1,025 €875 £645 $1,110 €645 £850 $1,465 €850 Chateau Cesseras Nr Olonzac Sleeps 8. TERRACE, CHATEAU BUILT IN CATHAR TIMES. Near Minerve, Olonzac, Narbonne, Carcassonne. Café Bar in village £250 $435 €370 £300 $520 €445 £450 $780 €665 Les Amandiers nr Clermont L'Herault Sleeps 2. APARTMENT WITH 2 TERRACES, SWIMMING POOL. 2 kms from Clermont L'Herault (shops, restaurants, etc). Lake swimming - Lac du Salagou. £210 $365 €310 £325 $565 €480 £375 $655 €555 Maison de Famille Ile d'Oleron Sleeps 8. WALK TO BEACH, RESTAURENTS, MARINA. ILE D'OLERON. Savage beaches, nature, nr La Rochelle, Bordeaux, Cognac, Charente Maritime. £440 $760 €650 £440 $760 €650 £540 $940 €800 Haute Maison la Caunette Sleeps 4. BALCONY, GREAT VIEWS OF VINEYARDS AND GARRIGUE. Near Minerve, Narbonne, Beziers and Canal du Midi. 35mn to Med. £155 $275 €230 £245 $430 €360 £285 $500 €420 La Recampado nr Aix en Provence Sleeps 4. SWIMMING POOL. LARGE GARDEN. Nr Aix en Provence, Cabries, Marseilles (15 mins to airport). 30 mins to Mediterranean £440 $765 €650 £440 $765 €650 £810 $1,410 €1,200 Poussines , Nr Carcassonne Sleeps 10. SWIMMING POOL. WALK TO RESTAURANT / BAR. In Minervois, nr Carcassonne, Narbonne. 30 mins Mediterranean beaches £1,150 $2,000 €1,700 £1,150 $2,000 €1,700 £1,750 $3,045 €2,590 Villa Midi Ventenac Sleeps 8 + Baby. SWIMMING POOL, PATIO, LOOKS ON CANAL DU MIDI. Near Narbonne, Beziers. 2 restaurants/cafés & wine cave 5 min walk £350 $620 €515 £490 $870 €720 £1,090 $1,935 €1,560 Les Aubes, Drome Provence Sleeps 11. Swimming pool. Jacuzzi. 5 bedrooms all ensuite bathrooms. 15 mins 18 hole course. Near Montelimar, Orange, Avignon. £950 $1,670 €1,400 £950 $1,670 €1,400 £2,200 $3,870 €3,240 Villa Los Pinos, Argeliers Sleeps 6 + Baby. Swimming pool. Private not overlooked. Village has restaurant, café, shops. 45 mins Med. and Carcassonne (airport) £450 $790 €660 £500 $880 €735 £875 $1,535 €1,285 Argens - La Cave, nr Olonzac Bed and Breakfast. 5 rooms with suite bathrooms. 300 m from Canal du Midi, Garden, Fine dining. Close to Olonzac, Lezignan, Minervois. Owner runs separate restaurant on canal. From € 40 From € 40 From € 40 Ancien Four, La Liviniere Sleeps 6. SUNNY TERRACE, IN WELL KNOWN WINE VILLAGE. 35 mins Carcassonne, lake swimming nearby. In Minervois, nr Caunes Abbey & Minerve. ASK £250 $470 €355 £325 $610 €465 Maison Poilhes Poilhes Sleeps 4. WITH GARDEN, ON CANAL DU MIDI, WALK TO RESTAURANTS. 15 mins Beziers, 20 mins Mediterranean £305 $525 €450 £325 $555 €475 £355 $615 €525 Cote de Lavande, Villespassans Sleeps 2-3. . TERRACE WITH VIEWS OVER VINEYARDS . 30 mins Med. Near Minerve, St Chinian, Lovely walks, vineyards. £300 $515 €440 £300 $515 €440 £350 $600 €515 Jardin Secret St Thibery Sleeps 5. SECRET GARDEN . 15 mins to Med beaches. Pretty village with shops. Close to Agde, Pezenas (antiques, flea market) £250 $382 €382 £300 $458 €458 £410 $625 €625 St Laurent nr Lagrasse Sleeps 8. Two Apartments. SWIMMING POOL, LARGE GARDEN. Village with amenities, near Fontfroide, Lagrasse, Lezignan, Narbonne. In Corbieres, Aude £300 $466 €480 £450 $700 €720 £850 $1,322 €1,360 Paradis Retrouvé Trausse Sleeps 8. Near Carcassonne. COUNTRY HOUSE, SWIMMING POOL, PRIVATE PARK . Village with amenities - restaurant/bar. Nr Caunes (Abbey). In Minervois. n/a £1,160 $1,655 €1,900 £1,410 $2,005 €2,300 Chateau Marcel Cesseras Sleeps 6. Three Apartments. SWIMMING POOL. ROOF TERRACE. Quality interiors. Walk to village café/bar; near to Minerve, Canal du Midi. Pretty village surrounded by vineyards. £240 $460 €350 £240 $460 €350 £520 $990 €750 Ancien Maison nr Olargues Sleeps 5-6. Terrace, SWIMMING POOL, quiet hamlet. Near Olargues, St Pons, Gorges d'Heric; restaurant, shops in near village, spectacular scenery around. £300 $530 €445 £500 $885 €740 £675 $1,190 €995 Canebieres, nr St Cezaire, Provence Sleeps 8. House with SWIMMING POOL, 18 acre estate, pretty location, private, idyllic, river swimming, walks. Near St Cezaire, Mons, Grasse. 45 mins to Nice airport £832 $1,209 €1,350 £1,109 $1,612 €1,800 £1,509 $2,195 €2,450 Villa Claudia, Nice Cote d'Azur Sleeps 2 - 4. TERRACE, GARDEN, SEA VIEWS, WALK TO BEACH. CENTRAL NICE. On Cote d'Azur . £280 $450 €400 £350 $560 €500 £420 $670 €600 Cailloux d'Or, Fitou Sleeps 5. SECLUDED PRIVATE GARDEN, 10 MINS TO BEACHES, WALK TO RESTAURANTS. NEAR LA FRANQUI, PERPIGNAN. Glorious beaches nearby! £335 $565 €480 £420 $705 €600 £590 $990 €840 Villa Bonheur Nice , Cote d'Azur Sleeps 5 + cot. Apartment with sea view, central Nice . All amenities, in 1800's villa, with gardens. Short walk to museums, Promenade des Anglais, port, chateau, medieval city. £425 $632 €650 £520 $780 €800 £620 $925 €950 Adorable Argeliers Sleeps 6. Garden . Restaurants, Canal du Midi, RIVER SWIMMING & POOL IN NEARBY VILLAGES. NEAR NARBONNE, MINERVE. 30 MINS TO MED BEACHES £300 $530 €450 £300 $530 €450 £470 $825 €700 Maison de Rey Near Figeac, Lot Sleeps 8-10. SWIMMING POOL and gated large garden. Near Figeac, and Cahors, Lot. In beautiful Parc Naturel Regional des Causses du Quercy. £550 $865 €870 £1,250 $1,975 €1,970 Le Castel Enchanté, nr Carcassonne Sleeps 12. SWIMMING POOL, SUPERB VIEWS. 15 mins Carcassonne. 45 mins Mediterranean beaches. Easy access to Autoroute. £500 $905 €740 £500 $905 €740 £1,250 $2,260 €1,850 Montblanc nr Pezenas, Agde Bed and Breakfast (Dinner also available) . GARDEN, TERRACE. Nr Beziers, Pezenas, Agde . 20 mins Med beaches. Rate shown is for a double sharing a bathroom. (also doubles with ensuite bathroom available) 30 euros a night 30 euros a night 30 euros a night Villa Saint Genies Saint Genis de Fontedit Sleeps 9. SWIMMING POOL, LARGE GARDEN. Walk to cafés, shops. Nr Beziers, Pezenas , 20 mins Med beaches. £513 $945 €770 £587 $1,080 €880 £1,133 $2,085 €1,700 Chateau Terre Blanche Chalabre Gendarmerie. Sleeps 4 - 5. SWIMMING POOL. Near Limoux, Carcassonne. Shops in village. View of Pyreneees. La Tour. Sleeps 2 + 1 child also available for less rental £510 $880 €750 £510 $880 €750 £610 $1,015 €890 Les Rossignols La Croisade Sleeps 4- 6. GARDEN, PRIVATE COURTYARD, WALK TO FINE RESTAURANT ON CANAL DU MIDI . Nr Ouveillan, Capestang, Beziers, Narbonne. £200 $320 €280 £300 $480 €420 £420 $670 €585 Aire d'Aigle nr Carcassonne Sleeps 12. SWIMMING POOL , tennis court, garden, view, estate. Hill top villa, with seperate house addition, stunning views, near Carcassonne . Private and exclusive £750 $1,350 €1,120 £1,000 $1,800 €1,490 £2,350 $4,230 €3,500 Maison de Pierre Pezenas Sleeps 2 - 4. IN PEZENAS - MARKET, RESTAURANTS, ANTIQUE STORES. 15 MINS TO BEACHES Near Montpellier, Cap d'Agde, Beziers, Sete. £220 $390 €325 £270 $480 €400 £440 $780 €650 Frederic nr Meze Sleeps 6-8 or 14 (adjoining house) SWIMMING POOL. TERRACE . 2 other rentals on Domaine. Nr Marseillan, Meze, Cap d'Agde, Sete, Montpellier, Pezenas, Beziers. £385 $720 €550 £490 $915 €700 £1,120 $2,095 €1,600 Le Chai, nr St Guilhem le Desert Sleeps 2. GARDEN, TERRACE, VIEWS. 5 minutes river swimming, 10 mins Abbey / Caves . Near Gignac, Montpeyroux, Pezenas. €360 $470 £250 €360 $470 £250 €475 $620 £330 Villa Emilu Portiragnes Sleeps 6. SWIMMING POOL, TERRACE. 5 minutes to Med Beach, 10 mins Beziers . In village with shops, walk to get croissants! €420 $555 £295 €420 $555 £295 €630 $840 £445 Acero Rosso nr Lake Garda, Italy Sleeps 2 + 2 children or 1 adult. Terrace, stunning views. Walk to restaurants - great mountain air. Near Brescia, Lake Garda, Milan, Italy. £335 $595 €500 £335 $595 €500 £400 $715 €600 Bel Air Near Marseillan Sleeps 6 (or 20 in 3 houses). Rental in chateau setting. SWIMMING POOL . 2 other rentals on domaine also available. Lovely views on Etang de Thau, Near Sete, Cap d'Agde, near Montpellier & Beziers. £490 $915 €700 £700 $1,310 €1,000 £1,120 $2,095 €1,600 Le Riou Near Revel Sleeps 4. Garden . Apartment. Near Revel, Carcassonne, Albi, 4kms to Revel with market, furniture industy 14-18th century buildings. £160 $275 €230 £230 $400 €335 £260 $460 €385 Villa Mandalay Salleles d'Aude Sleeps 6. GARDEN, SWIMMING POOL. On Canal de la Robine. Walk to Roman pottery museum. Restaurants in village. Near Narbonne. 30 mins to Med ask £500 $784 €800 £880 $1,372 €1,400 Chateau Lupin nr Revel, Castres Sleeps 14. Swimming Pool . Park. Pigeonnier. In Lauragais - near Revel, Castres, Lavaur, Gaillac, Albi. 45 mins Carcassonne, Toulouse £3,220 $5,380 €4,600 £3,220 $5,380 €4,600 Violgues, nr Olargues, Gorges d'Heric Sleeps 10. GARDEN, ORCHARD, TERRACE, VIEWS . Near pretty village of Olargues in Orb river valley. Walking, canoeing, swimming in river. Gorges d'Heric and Roquebrun nearby. £280 $530 €400 £350 $660 €500 £400 $755 €570 Le Castel Enchanté, nr Carcassonne Bed and Breakfast. 6 rooms. SWIMMING POOL, SUPERB VIEWS. 15 mins Carcassonne. 45 mins Mediterranean beaches. Easy access to Autoroute. From € 50 From € 50 From € 50 Azillanet, nr Olonzac Sleeps 7. TERRACE, NEAR MINERVOIS, SWIMMING 5 MINS. Village with shops, well known wine. Near Narbonne, Carcassonne. Great market Olonzac. £215 $400 €320 £270 $500 €400 £375 $690 €550 Domaine St Pierre de Trapel Carcassonne 4 bedroom suites. Sleeps 2 - 4. SWIMMING POOL. PARK. BED AND BREAKFAST From 81 euros per nt. Day and Week rates. Deluxe accommodation. Rates shown are one week for lowest priced bedroom suite. Cycle to Carcassonne. £350 $539 €538.65 £350 $539 €538.65 £350 $539 €538.65 La Maison Joyaux Valros Sleeps 9. Terrace . Near Pezenas. 20 mins to Med. Restaurant short walk. Near Beziers (shops, history), Pezeaas (antique shops, Moliere home) £470 $900 €675 £470 $900 €675 £730 $1,400 €1,050 Hotel de Vigniamont Pezenas 2 bedrooms, 3 bedroom suites. ROOF TERRACE, COURTYARD - FOUNTAIN. Chambres d'hotes, Bed and Breakfast . 17th C mansion lovingly restored. Near shops, antique stores, market. 20 mins to Med. €70 a night €70 a night €90 a night Au Pont Romain Caunes Minervois 4 Apartments. Sleeps 2 - 6. SWIMMING POOL, LARGE GARDEN. Very good facilities, views. Near Carcassonne. Restaurants, Abbey in village. Price is for apartment sleeping 4 (price is less for 2 persons) €325 $425 £230 €475 $620 £335 €600 $750 £405 Villa Chiapella Maureillas Sleeps 4 - 6. SWIMMING POOL, VIEWS OF CANIGOU. Near Ceret, Collioure, Spanish border. Plenty of shops and restaurants in village £380 $710 €545 £515 $960 €735 £910 $1,700 €1,300 Le Pallier Olargues Sleeps 5. LOVELY HOUSE WITH GARDEN. Walk to restaurants, cafes, shops. Nr St Pons, St Chinian, Gorges d'Heric, Bedarieux. £280 $480 €400 £280 $480 €400 £364 $625 €520 Le Clos Gruissan Plage Sleeps 8. VILLA WITH VIEWS OF MED. SWIMMING POOL. Gruissan Plage, near Narbonne. Walk to beach, shops, restaurants. £470 $825 €690 £810 $1,435 €1,200 £1,320 $2,330 €1,950 Gloriettes & Aldebaran Villeneuve les Beziers Sleeps 6 (house). Sleeps 3 (boat). Pretty house. BOAT MOORED ON CANAL DU MIDI. House boat rental and House rental. Nr Beziers. . 10 mins to Mediterranean beaches. Price is same for boat or house £275 $500 €410 £275 $500 €410 £425 $780 € 635 The Tall House St Thibery Sleeps 6-9. PATIO GARDEN. 15 MINS TO MED. In village with cafés/bars, shops. Abbey church. Near Pezenas (market, antiques), Montpellier, Beziers £200 $280 €325 £350 $490 €570 £500 $700 €815 Le Castellou Pierrerue Sleeps 2. Terrace with view. Near St Chinian (shops, market, restaurants) and Roquebrun. 20 mins to Beziers. £95 $165 €140 £125 $220 €185 £195 $345 €285 Moulin de Perdrix, nr Montpellier Sleeps 6. MAS WITH SWIMMING POOL, GARDEN, 5 MINS GOLF COURSE. Nr Petite Camargue, Nimes, Montpellier. 15 mins to Meditteranean Beaches £735 $1,315 €1.080 £990 $1,780 €1,460 £1,345 $2,410 €1,980 Gabachou, Bram, nr Carcassonne 2 Gites - sleeps 2 & 4. FARMHOUSE ON CANAL DU MIDI. GARDEN. VILLAGE WITH RESTAURANTS. Nr Carcassonne, Castelnaudary, Mirepoix, Lauragais. £200 $355 €290 £275 $490 €400 £400 $710 €585 Impasse des Selliers Pezenas Sleeps 2. SUNNY HOUSE. SHORT WALK TO MARKET, ANTIQUE SHOPS, RESTAURANTS. 20 MINS MED. IN PEZENAS . Near Montpellier, Beziers. £197 $358 €285 £228 $415 €330 £290 $610 €485 Juno , Villeneuve - les - Beziers Sleeps 4 + infant. TERRACE, NEAR CANAL DU MIDI AND MED (10 MINS). Bus service to Beziers and Railwat, Village with restaurant/café and all amenities. £155 $280 €230 £210 $380 €310 £380 $685 €560 Charming Poilhes Sleeps 2 - 4. Terrace . On Canal du Midi. Fine Restaurants in village. 20 mins to Med beaches, near Narbonne & Beziers £166 $260 €260 £215 $370 €315 £265 $455 €390 Cour du Moine Quarante Sleeps 6. SWIMMING POOL. Well furnished. Abbey town near Canal du Midi, Minervois. 30 mins to Med. Near Beziers, Narbonne £175 $330 €250 £175 $330 €250 £615 $1,165 €880 Belle Bize Bize Minervois Sleeps 6. Large rooftop terrace. Natural SWIMMING POOL!. Village has 3 restaurants, café bar, shops. 35 mins to Med £240 $465 €345 £340 $660 €490 £490 $950 €705 Maison de Grandmere Pouzols en Minervois Sleeps 4 + child. ROOF TERRACE. 5 MINS SWIMMING POOL. Near Minerve, Narbonne, Olonzac, Canal du Midi. . 35 mins Mediterranean beaches. 10 mins river swimming £220 $400 €320 £220 $400 €320 £295 $540 €430 Sans Souci Cebazan Sleeps 5. Private patio terrace. Near St Chinian, Beziers, Fontcaude Abbey. . Great walking. Walk across park to Patisserie. 25 mins Mediterranean beaches £200 $380 €285 £200 $380 €285 £280 $530 €400 Bijou Pezenas SLEEPS 4 . PEZENAS. SHORT WALK TO 32 RESTAURANTS, 7 BOULANGERIES, 8 COIFFEURS. CLASSIFIED "SUPERIOR VALUE" NR MONTPELLIER. £460 $790 €673 £480 $825 €703 £500 $860 €733 Eloi Merle Olonzac BED AND BREAKFAST. LARGE SWIMMING POOL - GARDEN . In Olonzac, Minervois region, nr Narbonne, Minerve, Beziers. Rate shown is for 1 or 2 persons sharing a room. 6 0 euros per night 6 0 euros per night 6 0 euros per night Eloi Merle Olonzac Adult couples only. 4 GITES. LARGE SWIMMING POOL - GARDEN . In Olonzac, Minervois region, nr Narbonne, Minerve, Beziers. £205 $350 €300 £205 $350 €300 £445 $760 €650 Maison Thomas Saint Chinian Sleeps 4 - 6. PRIVATE TERRACE. Walk to shops, restaurants, bars, 2 x weekly market. Near Beziers, Gorges d'Heric, Roquebrun. £140 $220 €200 £245 $380 €350 £315 $490 €450 La Madigne nr Olargues Sleeps 10. LARGE SWIMMING POOL, VIEWS. Nr Olargues, St Pons, Bedarieux . Explore Gorge d'Heric. Golf course near. £550 $870 €800 £550 $870 €800 £1,035 $1,635 €1,500 Le Forgeron Villeneuve Les Montreal Sleeps 4. COURTYARD GARDEN. CARCASSONNNE 15 MINS. Nr Bram, Fanjeaux, Montreal, Castelnaudary, Canal du Midi . Walk in sunflower fields £200 $315 €290 £225 $355 €330 £375 $590 €550 The Merchant's House Montagnac Sleeps 4. 15C MEDIEVAL HOUSE, ROOF TOP TERRACE / LOGGIA. NEAR PEZENAS, SETE, CAP D'AGDE. Walk to restos, bar. Nr Pezenas mkt, 20 mins Med £210 $390 €300 £315 $585 €450 £415 $770 €590 Extraordinary Guided Tours Languedoc GUIDED TOUR S AVAILABLE FROM YOUR RENTAL OR HOTEL 200 EUROS per day 200 EUROS per day 200 EUROS per day Cazo near St Chinian TWO HOUSES. Sleeps 4 & 5 + CHILD. TERRACE, GARDEN. In quiet hamlet, with vineyards around. Between St Chinian and Bize Minervois. £200 $385 €295 £270 $515 €395 £425 $810 €620 Terrasse du Soleil Peret Sleeps 4. ROOF TOP TERRACE, GLORIOUS VIEWS. NEAR CLERMONT L'HERAULT, PEZENAS. Swimming Lac du Salagou, antiques and mkt at Pezenas £215 $400 €305 £250 $465 €355 £375 $695 €535 Vineyard Vistas, nr St Guilhem le Desert Sleeps 2. Apartment. SWIMMING POOL. NEAR GIGNAC, ST GUILHEM LE DESERT, GIGNAC. Abbeys, walks, river swimming, canoeing. £250 $465 €355 £275 $510 €390 £360 $670 €515 Vignes et Olives , Portiragnes 2 house rentals. Each sleep 4 - 6. SWIMMING POOL, 3 MINS TO MED BEACHES. Nr Beziers, Canal du Midi, Narbonne, Cap d'Agde. £195 $300 €395 £195 $300 €395 £395 $670 €555 La Maison d'Oc nr Carcassonne Sleeps 4. PLUNGE POOL AND SWIMMING POOL. PRIVATE PARK. Garden. 5 mins to Carcassonne, Canal du Midi. Views of vineyards, woods. £360 $560 €533 £535 $840 €800 £665 $1,040 €990 Arbousier near St Chinian Sleeps 8. SWIMMING POOL, TERRACE, GARDEN. Near St Chinian, Beziers. Stunning views. £750 $1,325 €1,110 £850 $1,500 €1,255 £1,450 $2,560 €2,145 Anges Gardiens Villeneuve Les Beziers 2 doubles, 2 twin rooms. Bed and Breakfast. 10 mins to Med . Bustling village (Market, flea market, shops). Restaurants. 5 mins Beziers (bus public transport). 55 Euros p.d. 55 Euros p.d. 55 Euros p.d. La Cave Near St Chinian Sleeps 8. SWIMMING POOL, garden. Near St Chinian (Restaurants, shops, large market). 35 mins to Mediterranean £460 $810 €680 £860 $1,520 €1,270 £1,440 $2,545 €2,130 Casa Secreto Cadaques, Spain Sleeps 6. House rental with cloister garden and terrace with great views. Near center of Cadaques. Restaurants, beach all in walking distance £400 $760 €570 £500 $945 €710 £800 $1,515 €1,140 Belle Ile Gruissan Sleeps 4 - 6. WALK TO BEACH, RESTAURANTS, SHOPS . Les Ayguades, nr Gruissan, Narbonne Plage, Narbonne. Med beaches, wines, and nature reserve. £115 $215 €195 £195 $365 €322 £350 $650 €579 Maison Roubia, Roubia Sleeps 16. SWIMMING POOL. MAISON DE MAITRE. In CANAL DU MIDI village, walk to restaurant. Nr Narbonne, Minerve, Olonzac. 35 mins Medeterranean beaches £1,900 $3,500 €2,650 £2,500 $4,500 €3,500 Maison Roubia, Roubia BED AND BREAKFAST. SWIMMING POOL. In pretty CANAL DU MIDI village, walk to restaurant. Nr Narbonne, Minerve, Olonzac. 35 mins Medeterranean beaches. B & B price is for 2 persons. From € 70 From € 70 From € 70 L'Orée des Vignes Pezenas Sleeps 6 - Gite. SWIMMING POOL, GARDEN . 10 mins walk to central Pezenas - shops, antique, general & flea market, restaurants. 25 mins to Med. Beaches ask £395 $700 €580 £550 $960 €795 L'Orée des Vignes Pezenas BED AND BREAKFAST, CHAMBRES D'HOTES. SWIMMING POOL, GARDEN. SAFE PARKING. 10 mins walk to central Pezenas - shops, antique, general & flea market, restaurants. 25 mins to Med. Beaches 45 euros a night 45 euros a night 45 euros a night Villa des Cigales Near Montpellier Sleeps 10. SWIMMING POOL, GARDEN . Walk to restaurant, bar, shops in village. 8kms Montpellier, 25 mins Med beaches at Palavas. £850 $1,545 €1,280 £950 $1,725 €1,430 £1,600 $2,905 €2,415 La Bateliere Capestang Sleeps 6. TERRACE, OVERLOOKS CANAL DU MIDI . Walk to 6 restaurants! Good Market, Lively village. Nr Beziers, Narbonne. £290 $530 €430 £390 $715 €580 Lautrec Albi Sleeps 2. GARDEN, BALCONY . Less than 5 mins walk to Toulouse Lautrec Museum , Cathedral, Railway station, Restaurants, Shops. 35 mins Toulouse. 3 night stays also available. £275 $480 €400 £275 $480 €400 £400 $720 €600 In the Vines Near St Guilhem Sleeps 2. SWIMMING POOL, VIEWS . Walk to bar, bistro, shops. Near St Guilhem le Desert (Abbey), Clermont L'Herault, Grotte de Clamouse, Aniane. £250 $440 €370 £300 $525 €440 £380 $670 €560 Villajessie Near Narbonne Sleeps 4 - 6. SWIMMING POOL, TERRACE . Walk to wine cave, & fish and chipeteria. Restaurants, Canal du Midi. 10 mins Narbonne, 20 mins Med beaches. £375 $690 €550 £445 $815 €650 £585 $1,065 €850 Roquebrun Les Hirondelles Sleeps 6. LARGE TERRACE, RIVER VIEWS . Walk to restaurants, river swimming, baker, café. "Nice" of Languedoc. Microclimate. £215 $395 €315 £270 $495 €395 £440 $805 €640 La Roseraie, Villeneuve-Les-Beziers Sleeps 6. 10 MINS TO MED BEACHES. COURTYARD. Village Restaurants. Bus service to Beziers (railway, market, cathedral, shops). Also nr to Cap d'Agde, Pezenas. £210 $400 €300 £210 $400 €300 £455 $860 €650 Chateau Saint Charles nr St Felix Lauragais Sleeps 10. CHATEAU, SWIMMING POOL, PRIVATE PARK, SAUNA. Nr Toulouse, Revel, Villefranche de Lauragais, Carcassonne, Canal du Midi, Montagne Noire,. Rate shown is 1 wk of 2 wks bkg. £3,220 $5,425 €4,600 £3,220 $5,425 €4,600 Le Nid, Assignan Sleeps 4. ROMANTIC HOUSE IN PRETTY VILLAGE SURROUNDED BY VINEYARDS. Nr Saint Chinian, the Minervois, Beziers. £150 $265 €220 £195 $345 €290 £275 $485 €410 Lamarque, Gascony Sleeps 6 +   SWIMMING POOL. GARDENS. COURTYARD . Nr Agen, between Bordeaux, Toulouse. Armagnac counrty. Gers. £560 $1,000 €800 £690 $1,235 €990 £1,155 $2,060 €1,650 Bellaire, Cadaques Spain Sleeps 2 - 4. STUDIO APARTMENT - 2 MINS WALK TO BEACH, RESTAURANTS, BARS. Salvador Dali's home nearby. Swimming, diving, walking in National park! Stunning! 2 Bicycles provided. Just across the border from France. £305 $515 €450 £425 $720 €625 £550 $920 €800 Casa Blue Cadaques, Spain Sleeps 4. CADAQUES, SPAIN. ARTIST'S HOUSE, TERRACE, SEA VIEWS . Village with art galleries, restairamts, bars. Salvador Dali's house 10 minutes walk. £300 $550 €440 £490 $820 €700 £770 $1,285 €1,100 Fou Chantant St Chinian Sleeps 4 + 2 children. Childhood home of Charles Trenet. ROOF TERRACE. WALK TO RESTAURANTS, SHOPS, MARKET . Nr Beziers, Roquebrun. River swimming, and canoeing. £275 $520 €400 £350 $665 €510 £450 $850 €650 Ciel Chateau , Sete Sleeps 10. SWIMMING POOL. GARDENS. SPECTACULAR VIEWS OF SETE AND MEDITERRANEAN. Magnificent house . Restaurants, museums, shops in Sete. Beaches 5 minutes. £2,835 $4,035 €4,600 Jessica Ste Valiere Sleeps 6 + Baby. SWIMMING POOL. GARDEN. Nr Canal du Midi, Narbonne, Minerve, Beziers. Walk to restaurant. 30 mins to Mediterranean £375 $605 €560 £525 $850 €785 £1,050 $1,695 €1,570 Maison Pezenas Pezenas Sleeps 4-6. Galleries, Antique stores, market. IN PEZENAS 20 Mins to Med. Near Beziers, Montpellier. See: Valmagne (Abbey) £240 $420 €345 £275 $475 €390 £380 $670 €545 Abbaye Valiere Ste Valiere Sleeps 6. ROOF TERRACE, STUNNING VIEWS . Restaurants nearby. Nr Minervois, Canal du Midi, Olonzac, Minerve, Narbonne, Lezignan. £340 $630 €500 £405 $750 €600 £580 $1,070 €850 Les Hirondelles Siran Sleeps 3. VILLAGE HOUSE, ROOF TERRACE (PRIVATE, NOT OVERLOOKED) . Walk to restaurant, shops. Excellent Siran wine. 5 kms Lake swimming. 30 mins Carcassonne. £195 $360 €280 £240 $450 €350 Le Rabelais Narbonne Sleeps 2. APARTMENT IN NARBONNE . Walk to restaurants, shops, markets. Ideal base for house hunting, 10 mins med beaches. Abbeys, roman roads, art galleries to discover. £140 $255 €200 £140 $255 €200 £140 $255 €200 La Serre aux Vignes Oupia Sleeps 9. SWIMMING POOL, GARDEN, TERRACE . Walk to restaurant, buy well known local wine. Nr Minervois, Canal du Midi, Olonzac, Narbonne, Lezignan. £500 $885 €735 £600 $1,062 €882 £1,300 $2,301 €1,911 Pech des Moulins Gruissan Sleeps 5 + child. SWIMMING POOL, GARDEN, WALK TO BEACHES, MARINA. In Gruissan, nr Narbonne, on the Mediterranean £125 $200 €180 £185 $295 €265 £945 $ 1,710 € 1,400 La Caunette Nr Minerve Sleeps 7. SWIMMING POOL, STUNNING VIEWS . Walk to Restaurants, shop. Near Cathar village of Minerve. Close to Narbonne, Olonzac, Minervois, St Chinian wine areas. Circulade villages. £500 $885 €735 £600 $1,062 €882 £800 $1,416 €1,176 Domaine du Lac Villa Nr Beziers Sleeps 6. GOLF, SWIMMING POOL, 20 MINS MED BEACHES . St Thomas golf and country club - walk to restaurant, facilities. 20 Mins Beziers, Pezenas, Agde. £325 $620 €475 £475 $905 €700 £795 $1,520 €1,170 Domaine du Lac Villa Nr Beziers Sleeps 8. BALCONY, GOLF, SWIMMING POOL, 20 MINS MED BEACHES . St Thomas golf and country club - walk to restaurant, facilities. 20 Mins Beziers, Pezenas, Agde. £425 $810 €620 £625 $1,190 €915 £1,000 $1,905 €1,465 Chez B Carcassonne Sleeps 6. BALCONIES, LARGE GARAGE - OFF STREET PARKING . Walk to Medieval castle, railway station. 3 kms airport. Quiet street. Walk to restaurants, shops, market. £250 $475 €365 £300 $575 €440 £400 $765 €590 La Maison de Julie La Force BED AND BREAKFAST. (Rooms for 1 -4). GARDEN . NEAR CARCASSONNE (20 MINS), TOULOUSE. Lovely house. Apt with kitchen for 2 can be rented by week 390 euros. €40 p.n. $50 p.n. £27 p.n. €40 p.n. $50 p.n. £27 p.n. €40 p.n. $50 p.n. £27 p.n. La Huppe Aigne Sleeps 4. TERRACE . In circulade village - walk to recommended restaurant. In Minervois, good local wines; near Minerve, Olonzac, Narbonne, Canal du Midi. £240 $450 €350 £240 $450 €350 £275 $515 €400 Le Pin Sucré nr Capestang Sleeps 8. SWIMMING POOL. ON WINE DOMAINE, GARDEN, WALK TO CANAL DU MIDI RESTAURANT. Nr Beziers, Narbonne. 30 mins to Mediterranean £480 $915 €700 £620 $1,180 €900 £825 $1,570 €1,200 Bamboo, Ventenac Minervois Sleeps 7   COUNTRY HOUSE. FORMAL & BAMBOO GARDEN . 2 restaurants in village. On Canal du Midi. 30 Mins Narbonne (shops, cath, market, sights, beaches near) £650 $990 €1,025 £800 $1,220 €1,250 £950 $1,450 €1,500 Casa None nr Lake Garda, Italy Sleeps 6 + Baby. Terrace, grounds, stunning views. Walk in the mountains. Near Brescia, Milan, Verona. Former Nunnery. £700 $1,170 €1,000 £840 $1,400 €1,200 Ferme du Ciel nr Carcassonne Sleeps 8 - 14. FARMHOUSE WITH POOL. FEATURED ON CHANNEL 4 "FRENCH LEAVE" (JOHN BURTON RACE). 35 mins Carcassonne, Toulouse. Stunning views, traditional interior. £1,050 $1,675 €1,500 £1,210 $1,925 €1,725 £1,610 $2,570 €2,300 Ashi No Yakata Chateau nr Carcassonne Sleeps 8 - 10. CHATEAU, ZEN GARDENS, SWIMMING POOL, PRIVATE PARK. 25 mins Carcassonne. 5 min easy access to autoroute to Toulouse (55 mins). Nr Castelnaudary. £1,810 $3,200 €2,700 £2,585 $4,570 €3,850 £3,185 $5,635 €4,750 Garrigue Villepassans Sleeps 4 - 5 + baby. GARDEN, HILL VILLAGE. Near Minerve, St Chinian. Great views of Pyrenees, Mediterranean - vineyard walks, potent wines!. £170 $300 €240 £225 $400 €320 £350 $625 €500 L'Enclos St Valiere Apartments - Sleep 2-8. 1, 2 and 3 bedroom apartments. SWIMMING POOL 30 mins Med & Narbonne (shops, sights), Minerve (galleries, views). (Rates shown for 1 bed apt) £150 $230 €230 £250 $380 €380 £360 $550 €550 Oliveres, Cadaques, Spain Sleeps 2-4. Apartment rental with great window view. Restaurants and beach minutes away. Fishing village where Dali and Picasso lived . Ideal for a get a way to Spain to soak in the sun. Nr Barcelona, Perpignan, France £370 $700 €530 £455 $860 €650 £580 $1,090 €825 Domaine de la Fontaine, nr Beziers Sleeps 6. SWIMMING POOL. WALK TO RESTAURANTS. ON CANAL DU MIDI. Nr Beziers, Narbonne. 20 mins to Mediterranean £305 $540 €450 £585 $1,035 €865 £1,080 $1,910 €1,600 Le Cerf Gris Moux Sleeps 12. SWIMMING POOL, PRIVATE WALLED GARDEN. MAISON DE MAITRE. Nr Lagrasse, Lezignan, Carcassonne, Corbieres. £1,260 $2,250 €1,800 £1,400 $2,500 €2,000 Picpoul nr Cap d'Agde Sleeps 4- 6 or (14 with swimming pool and adjoining house) TERRACE . 2 other rentals on Domaine. Nr Marseillan, Meze, Cap d'Agde, Sete, Montpellier, Pezenas, Beziers. £280 $ 525 € 400 £340 $ 645 € 500 £445 $835 €650 Auberge du Puget Nr Carcassonne & Mirepoix Sleeps 2 - 8. BED & BREAKFAST. SWIMMING POOL. RESTAURANT. GARDEN. VIEWS. Near Bram, Fanjeaux, Mirepoix, Carcassonne. Day (54 euros), Weekly rates show Apt suite(+ breakfast) for 2-3 pers £350 $625 €500 £350 $625 €500 £350 $625 €500 Maison du Midi La Redorte Sleeps 7 - 9. ROOF GARDEN. LIVELY VILLAGE ON CANAL DU MIDI. 25 mins Carcassonne. Walk to estaurants, cafés. Near abbey in Caunes, castles in Lastours, wines of Minervois. ask £300 $470 €430 £350 $550 €500 Maison D'Etre , Paraza Sleeps 8.   SWIMMING POOL. 2 restaurants in village on Canal du Midi . 30 Mins Narbonne (shops, cath, market, sights, beaches near) ask £800 $1,170 €1,170 £1,100 $1,990 €1,620 St Joseph, Near Beziers Sleeps 2. Terrace. Surrounded by vineyards. Gourmand restauant 5 mins, Beziers- 15 mins - Market, shops, museus, close to Med beaches £235 $375 €350 £235 $375 €350 £270 $430 €400 2 apartment house, Ibiza, Spain House available for monthly rental (3 months minimum). 2 apartments. Sleeps 4 - 6. Pretty house in old town. Roof terrace (Apt 2). Near restaurants, marina, dance clubs, cathedral, castle, great sandy beaches, views. Balearic Islands. Rates are for one week - prorated from 1 month rental £340 $550 €500 £340 $550 €500 £340 $550 €500 Acanthus, St Chinian Sleeps 4. Balcony. Bustling village (Market). SWIMMING POOL in village . Restaurants. 25 mins Beziers (shops, museums, cath). £165 $275 €230 £210 $360 €300 £295 $500 €420 Anise Fleury d'Aude Sleeps 6. 5 MINUTES TO BEACHES. TERRACE. Restaurants , shops near, 12 wine caves in village. Near Narbonne, Beziers. £205 $320 €305 £340 $575 €490 £510 $800 €760 Belleza Salvaje Cadaques, Spain Sleeps 4 - 6. Exclusive house rental private estate, national park surround, stunning views of Mediterranean. Deluxe interior, garden, lawns. 15 mins drive from Cadaques. No other properties can be seen from house. Secluded! Maid and gardener at house daily. £1,050 $1,875 €1,500 £1,050 $1,875 €1,500 £1,575 $2,812 €2,250 La Serpent near Limoux Sleeps 10. SWIMMING POOL . Garden. Idyllic village wonderful views. Near Limoux, Rennes Le Chateau (fabled hidden treasures, "da vinci code" ), and Carcassonne. £530 $875 €763 £530 $875 €763 £835 $1,575 €1,220 Lieu Delice, Roquebrun Sleeps 6. IN ROQUEBRUN -"LITTLE NICE" - BALCONY. Beautiful village on river Orb - river swimming, canoeing. Exceptional Mediterranean garden, restaurants. Nr St Chinian, Beziers. 35 mins beaches. £275 $515 €400 £345 $645 €500 £410 $775 €600 La Porte de Carcassonne Sleeps 4. COURTYARD. IN CARCASSONNE, walk to medieval castle cité, Canal du Midi. Walk to restaurants, shops, markets. £300 $565 €425 £325 $610 €460 £450 $845 €640 Maison des Cuves Poilhes Sleeps 6. SWIMMING POOL . Restaurants near. Canal du Midi. 20 mins to Med beaches, near Narbonne & Beziers £450 $840 €640 £625 $1,170 €890 £850 $1,585 €1,210 Estival - House Ste Valiere Sleeps 6-7. SWIMMING POOL. RESTAURANT IN VILLAGE. 55 mins Carcassonne. 30 mins Mediterranean. Nr Canal du Midi, Narbonne. Also Cottage - costs less - sleeps 4-5 £250 $485 €360 £375 $730 €545 £650 $1,265 €940 Estival - Studio Ste Valiere Sleeps 2-3. SWIMMING POOL. RESTAURANT IN VILLAGE. 55 mins Carcassonne. 30 mins Mediterranean. Nr Canal du Midi, Narbonne £100 $195 €145 £150 $290 €215 £350 $680 €505 Croix de Courtigues Sigean Sleeps 6 + Baby. SWIMMING POOL, SECLUDED WITH VIEWS, ROMAN SPRING 10 mins Mediterranean sea. Near Narbonne, Perpignan £655 $1,100 €940 £655 $1,100 €940 £1,230 $2,060 €1,760 Couvent des Ursulines Pezenas 4 APARTMENTS - EACH SLEEP 6. SWIMMING POOL. TERRACE. GARDEN. In Pezenas - Antiques, mkt, shops. 20 Mins Med beaches. Nr Montpellier and Beziers. In low season can be rented for 2 or 3 days. £280 $525 €400 £650 $1,225 €930 £910 $1,710 €1,300 La Placette Bizanet Sleeps 4. R00F TERRACE. Shops in village. Nr Narbonne, Lagrasse, Fontfroide Abbey. 25 mins to Med beaches. £275 $505 €420 £310 $565 €470 £410 $745 €620 Coccinelles La Force Sleeps 7 + Baby. 2 TERRACE GARDENS. VIEW . Lovely village, nr Bram, Fanjeaux, Carcassonne, Canal du Midi. ask £295 $540 €450 £495 $910 €750 Beau Trois Bize Minervois Sleeps 4. GARDEN, NATURAL SWIMMING POOL, WALK TO RESTAURANTS . Pretty village, nr Minerve, Canal du Midi, with river. Nr Narbonne, 35 mins Med. £270 $530 €400 £270 $800 €400 £535 $1,065 €800 Belle R oubia, Canal du Midi Sleeps 10. SWIMMING POOL. Walk to restaurant/cafe in village . Canal du Midi near Minerve. Narbonne (shops, market, museums, beaches close) £300 $480 €420 £550 $880 €770 £950 $1,520 €1,330 La Digue Saint Chinian Sleeps 6. GARDEN - 2 TERRACES. In Saint Chinian - short walk to market, restaurants, cafés/bars. River swimming, pool in village. Nr Beziers. £310 $550 €460 £445 $790 €660 £735 $1300 €1085 Cachette Tranquille Fraisse Sleeps 4. GARDEN - PATIO. 25 MINS TO BEACHES. In Corbieres. Near Sigean (animal reserve), & beaches at Leucate Plage & La Franqui. £275 $495 €410 £275 $495 €410 £330 $595 €495 Villa La Cascade Durban Corbieres Sleeps 6. HEATED SWIMMING POOL, TERRACE, GARDEN WITH VIEWS. Overlooking Durban Corbieres, 30 mins Med, Leucate, Narbonne. £679 $1,165 €1,000 £950 $1,630 €1,400 £1,290 $2,215 €1,900 Les Cigales , Pezenas Sleeps 2 + 1. BALCONY - IN CENTRE OF PEZENAS. Walk to market, shops, restaurants. 20 mins Cap d'Agde, Beziers. n/a £276 $520 €400 £310 $585 €450 Fanjeaux, nr Carcassonne Sleeps 6. TERRACE, VIEWS, WALK TO RESTAURANTS. IN PRETTY HILLSIDE VILLAGE, famous convent, home of St Dominic. 20 mins Carcassonne. £195 $310 €275 £195 $310 €275 £335 $530 €475 Abbaye Maison Caunes Minervois Sleeps 6. COURTYARD GARDEN, WALK TO RESTAURANTS, AND ABBEY . In Caunes Minervois, nr Carcassonne, Chateau Lastours, Vineyards . Pool and river swimming near. £345 $550 €535 £345 $550 €535 £345 $550 €535 2006 France Property Rentals (Costs for one week rental) Description. Check individual listings for price and season dates. Prices here are only approximate. Bed and Breakfast where noted. Low Season Mid Season High Season Look at more holiday rentals in France Languedoc Southwest France or in North France Or why not rent in Spain or Italy ? Interested in advertising? 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Sell House

Sell House Home Sell a Home Buy a Home Services Mortgages City Profiles Appraisals -- Why sell your home by owner? Less hassle and frustration: When selling a home by owner, you don't have to leave the house because a Real Estate Agent wants to show it, or clean it every morning before leaving "just in case". You know when potential home buyers are coming, and can therefore prepare accordingly. And when a home buyer makes an offer, there's not all that frustrating back-and-forth telephone tag between real estate agents to reach an agreement. It can be done in minutes, and end with a friendly handshake and smile between the buyer and seller. "You can "sell your home" better than anyone else: You know your house best. The schools, the neighborhood, what is special about the area and the home, as well as other details about the house. A well-maintained, fairly priced home can virtually sell itself; your role is to simply provide additional information. Sell for a price on your terms; You're in control: Nobody is going to tell you what to sell for. You can advertise where and how you want to (not sit by in frustration because "they're not doing enough"), schedule showings when it's convenient for you, talk directly with prospective home buyers at your leisure, even take your home off the market for awhile if you can't find the right house for you. You aren't obligated to a 3, 6, or 12 month contract... you make your own rules. More $$$ in your pocket: Calculate 6-7% of what you think your house is worth, then ask yourself: is it worth paying this much to have someone else show my property, act as a go-between to negotiate the sale and coordinate the home's closing schedules with the lender, lawyer or titles company (dependent upon your area of the country). Sell your home fast: If you list your home with a real estate agent, you'll probably inflate the house's asking price to cover the cost of the commission. Two to four months later you'll come to the painful realization that no one is going to buy your home at that price, and you'll likely end up reducing the price (or accepting an offer) equal to the original amount you would have asked if selling on your own. Do it right the first time, and avoid taking the loss. Less uncertainty: Because you meet the prospective home buyers, you have a much better idea how interested people are, what they like about the house, how serious they are about buying and what their timeframe and situation is. The direct feedback is easier to live with than wondering how things are going, or worse, why no one has made an offer yet. It's easy: If you can sell your own car, you can sell your own home... it's that simple" said one of our home sellers. And he's right, once you find a buyer, lenders, lawyers or title companies take over (depending on your area of the country). And For Sale By Owner websites are now your best advertising resource for commission free home selling. Privacy & Disclaimer Partner With Us Career Opportunities Press Room Contact Us Terms and Conditions © 1997-2005 For Sale By Owner.com Site Map

home equity lines of

Home Equity Lending Gaps in Texas The Texas Economy March 2003 "Texans need and deserve the right to take out home equity lines of credit.This simple change will pump $741 million back to Texas homeowners." -- Carole Keeton Strayhorn, Texas Comptroller Home Equity Lending Gaps in Texas The number of Texans with home equity loans has more than doubled since 1997 when changes in the Texas constitution made it easier for Texans to borrow against the equity they have in their homes. [1] Yet, Texans are still not taking as many home equity loans as residents in other states. In the traditional home equity lending market—the segment that involves a lump-sum payout of equity to be repaid over a set term—Texans seem to have caught up with the rest of the nation. Indeed, the estimated 6.4 percent of Texas home-owners with traditional home equity loans in 2001 is not only up considerably from 2.5 in 1997 but may well be higher than the average for the other 49 states of 5.7 percent (Figure 1). [2] This most likely reflects the fact that one portion of the home equity loan market—the home equity line of credit market—remains unavailable to Texans. An estimated $12.7 billion in higher-cost, non-tax-deductible loans that currently exist could be supplanted if home equity lines of credit were available and Texans used these financial options at the same rate as other consumers in the country. By taking advantage of a substantially untapped resource, Texas consumers could save $741 million annually using home equity lines of credit instead of other loans. These savings could be pumped into the Texas economy through lower interest rates and additional federal income tax deductions. The gains would be realized in the Texas economy if existing loans were merely paid off by homeowners through home equity lines of credit. This need not expand homeowners’ overall debt burden. Home Equity Lending in Texas For more than 160 years, access to the home equity that owners had built up in their residences was largely untapped. As a direct result of the Panic of 1837, Texas prohibited the forced sale of homesteads for all but a very limited number of reasons. When Texas became a state, these protections became part of the state constitution and effectively barred foreclosing on a person’s residence for reasons other than non-payment of taxes, the original mortgage or a home improvement loan. These same provisions also effectively barred tapping into home equity for purposes other than home improvement. But on November 4, 1997, Texas voters approved a constitutional amendment allowing more leeway in home equity lending and for reverse mortgages. [3] These loans became available to Texans in 1998, but some technical issues limited the availability of home equity loans for homesteads larger than one acre and from reverse mortgages. Subsequent amendments addressed these legal concerns. [4] Changes in the Texas Constitution expanded the conditions under which homeowners could obtain a traditional home equity loan. These closed-end loans extend for a specified length of time and generally require repayment of interest and principal in equal monthly installments. Interest rates on these loans are ordinarily fixed for the life of the loan. Growth in Home Equity Lending in Texas Since changing the Texas constitution to allow wider use of home equity loans, Texans have steadily increased their reliance on these loans. According to American Housing Survey (AHS) data on nine Texas metropolitan areas that cover 68 percent of Texas’ owner-occupied homes, only 2.5 percent of Texas homeowners had any form of home equity loan in 1997, substantially less than the 14.5 percent for all U.S. homeowners outside of Texas that same year. By 1999, the proportion of Texas homeowners with a home equity loan had risen to 4.5 percent. While this represents nearly a doubling of home equity loan usage in just two years, this was still slightly less than the estimated 5 percent rate for home equity loan usage in the nation and substantially less than the 12.9 percent estimated by the AHS that year for both home equity loans and lines of credit. By 2001, the proportion of Texas households with home equity loans had reached 6.4 percent. At this level, the usage in Texas actually exceeded the usage rate of fixed-term closed-end loans in the U.S., indicating that Texans may have reached the saturation point with traditional home equity loans. These loans typically are written for a set amount to be repaid in equal installments over a specified time, just like a traditional mortgage. Based on a survey conducted for the Comptroller of Public Accounts of home equity lenders in Texas, from 1998 to 2000, the amount of the average home equity loan was about $36,750. In 2001 and 2002, the average home equity loan jumped to more than $47,000. [5] Closing the Gap Although Texans’ reliance on home equity loans has grown substantially since the passage of the constitutional amendment, further gains may be unlikely. Other states’ average usage of 14 percent in 2001 included both traditional home equity loans and home equity lines of credit, financial instruments not now available to Texas homeowners. The possibility that the usage rate of traditional home equity loans in Texas exceeded the usage rate of similar loans in the nation probably indicates that without the home equity line of credit option, more homeowners are opting for the fixed term loans—their only other choice. During much of the 1990s, about 8 percent of U.S. homeowners had a home equity line of credit whereas about 5 percent of homeowners had a traditional loan. [6] In 2001, AHS data indicated an estimated 8.4 percent of homeowners had a home equity line of credit (HELOC) and 5.7 percent had traditional home equity loans. This newer form of home equity lending has become the preferred choice by homeowners in other states. A HELOC is a revolving account that permits borrowing from time to time, at the account holder’s discretion, up to a set credit limit. HELOCs also typically have more flexible repayment schedules than traditional home equity loans and have a variable interest rate. Most consumers think home equity lines of credit are more convenient than traditional home equity loans. While about 40 percent of consumers cited the tax advantages of both types of home equity credit as an important consideration, 43 percent of HELOC users cited convenience of use as an advantage, compared with only 1 percent of those using the traditional home equity loans. [7] Many of the major lenders in Texas make HELOC loans to homeowners in other states. Their experiences underscore how attractive this option is to consumers. Figure 2 presents the percentage of the amount of home equity loans and lines of credit written in Georgia, Florida and California by three major Texas lenders. [8] About 88 percent of the consumers in these states choose HELOCs compared with about 12 percent choosing traditional home equity loans. Potential Economic Impact of HELOCs in Texas One approach to examining what expanded home equity lending might mean in Texas is to estimate what consumers would save if they had access to HELOCs. Three issues are crucial when estimating this impact: what savings could be expected from lower interest costs; how much would HELOCs lower federal income tax bills; and how large total borrowing might become. Underlying this assessment is the assumption that if Texans had access to HELOCs the total home equity usage in Texas would approach the U.S. average. This implies that consumer use of both home equity lines of credit and traditional loans would reach about 14 percent, 7.6 percentage points up from the 2001 level, which was 6.4 and consisted of only traditional home equity loans. The true economic value of HELOCs to consumers lies in low interest rates and as a deduction from federal income taxes. For example, recent data from February 2003 show that the average interest rate on credit card debt is 13.8 percent, the rate for new auto loans is 5.8 percent and on home equity lines of credit, 4.4 percent. [9] This implies that on a $1,000 loan, annual credit card interest charges would be $138 whereas these charges would amount to only $44 for the home equity line of credit. On $1,000 in outstanding credit card debt, conversion of this debt to a HELOC would save $94 in interest payments annually. But even this neglects the fact that HELOC interest costs are deductible from federal income taxes, whereas credit card interest charges are not deductible. Although each individual’s exact marginal tax rate paid depends on adjusted gross income, the National Bureau of Economic Research estimates that, on average, in 1999 interest deductions reduced income taxes 24.5 cents per dollar of interest paid. [10] This implies that, on average, the $44 in HELOC interest payments would generate an estimated $10.78 in federal income tax savings so that the total consumer savings per $1,000 in credit card debt replaced by HELOC would be $104.78 annually. Savings from other loans would be less dramatic. Based on current rates, car loans would cost $58 in interest charges per $1,000 borrowed, or only $14 more than HELOC. But tacking on the deductibility of HELOC raises this savings to $24.78 annually per $1,000 borrowed. The loans likely to be displaced by HELOC would be a mixture of credit card loans and other consumer loans such as car loans. According to Federal Reserve loan data, consumer debt nationwide at the end of 2002 was divided into $738.9 billion in revolving loans, of which credit card debt is a large part, and $1,017.9 billion in non-revolving loans. [11] Assuming Texas consumers have a similar debt profile, about 42 percent of Texas consumer debt would be in revolving credit and 58 percent in non-revolving. Based on these shares, the average consumer would save an estimated $58.38 in interest and tax payments per $1,000 owed by switching from other consumer credit sources to HELOC. [12] How much Texans could save depends on the volume of consumer loans displaced. Using 2001 commercial bank data to update national figures indicates that the traditional home equity loan market in the U.S. reached $352.7 billion, up from $267 billion in 1997. Considering Texas’ share of home equity loans and the average per loan value, Texans account for an estimated 8.4 percent of the U.S. market for traditional home equity loans. Based on this percentage and assuming that Texans would use both traditional and HELOC loans at the national rate, Texas consumers would exchange $12.7 billion in existing loans for HELOC. In doing so, Texas homeowners would save $741 million in interest charges and federal income taxes annually. This would be a modest level of savings. The Federal Reserve Board estimates that households spend about 8 percent of their disposable personal income servicing the debt on revolving loans. [13] The $741 million annual savings from increased use of HELOCs would be about 1.7 percent of the annual amount Texans spend on debt service for revolving loans. [14] Home Equity Delinquencies If Texas consumers relied more on home equity lines of credit and followed national trends, loan delinquencies would likely fall. Based on American Bankers Association data (Table 1), Texas averages fewer loan delinquencies for closed-end home equity loans than consumers at the national level. Loan delinquencies did rise in Texas from 1999 to 2001, but dropped off in 2002. Table 1: Texas Home Equity Delinquency Rates Compared to All Other States Home Equity Delinquency Rates and All States First Mortgage Delinquency Rates* Closed-End** Home Equity Loans(1) Home Equity Lines of Credit(1) All States - First Mortgages(2) Texas All States All States Conventional FHA VA 2002 0.99% 1.30% 0.59% 3.06% 11.55% 7.87% 2001 1.17 1.28 0.73 2.96 10.78 7.67 2000 0.88 1.20 0.75 2.50 9.10 6.80 1999 0.77 1.26 0.62 2.60 8.60 6.80 * Delinquency Rates are based on the number of Loans Past Due 30 Days or More as a Percentage of Loans Outstanding. ** "Closed End" includes home equity and second mortgages (but not home improvement). SOURCES (1)Home equity delinquency rates obtained from "Consumer Credit Delinquency Bulletin" published quarterly by American Bankers Association. (2)First mortgage delinquency rates obtained from "U.S. Census Bureau, Statistical Abstract of the United States, 2001" and Mortgage Bankers Association of America "Quarterly Delinquency Surveys." But nationwide, loan delinquencies for lines of credit are slightly more than half the rates seen for closed end home equity loans. Based on this pattern, a shift towards using home equity lines of credit from traditional home equity loans should lower overall home equity delinquency rates. Compared with first mortgages, the delinquency rates for both home equity loans and lines of credit are substantially lower. Summary The use of home equity loans in Texas has risen dramatically following constitutional changes in Texas in 1997. Use of closed-end traditional home equity loans in Texas exceeds nationwide use. The fact that home equity lines of credit are not available in Texas contributes to a higher reliance on traditional home equity loans. But the strong consumer preference expressed for HELOCs in other states and consumer preference for their ease of use may indicate that continued expansion of lower interest, tax deductible home equity financing by consumers in Texas may slow without access to these loans. If Texans were to use home equity financing only up to the national average through HELOCs, lower interest payments and lower federal taxes would save Texas consumers $741 million. Making HELOCs available to Texas consumers would require passing another constitutional amendment and legislation proposing such amendments will likely be introduced during the current legislative session. If the nature of consumer safeguards and other requirements on lending institutions in Texas making HELOC loans were significantly more restrictive than national practices, interest rates on these loans in Texas could be higher than national rates, and the economic impacts less. Data Collection While banking and finance are two of the most heavily regulated industries, this level of scrutiny does not always result in the availability of detailed information. Since 1987, banks and finance companies have reported home equity lines of credit under receivables on quarterly Call Reports and since 1991 have also separately reported their holdings of traditional closed-end home equity loans. Mutual savings banks also report these data on Federal Reserve Board Call Reports. Other segments of the financial industry report this information to varying degrees. Savings and loan associations and federal saving banks report credit line receivables on Call Reports, but they do not separate home equity loans from first mortgages. Since June 1996, finance companies have reported commercial and residential mortgages separately but do not distinguish between loans under lines of credit and traditional loans. Credit union data is available on both types of home equity debt from the Credit Union National Association. At the national level, some data track the degree to which consumers utilize the various home equity loan alternatives. Every two years the Federal Reserve Board surveys consumers’ use of credit. This data, while instructive on overall trends and the use of home equity loans and lines of credit, does not contain information about practices in particular states. Moreover, much of the state-specific data collected from financial institutions is available primarily for the location of the financial institution involved, and not where the loan was made. Where this data are available, coverage by type of financing (home equity loan versus line of credit) is limited. The Texas-specific data in this analysis is derived largely from two sources. First, the U.S. Bureau of the Census surveys about 60,000 Americans every two years about housing conditions. This survey includes questions about the usage of home equity loans, but only the most recent survey, from 2001, elicits responses on traditional home equity loans separately from home equity lines of credit. Because this survey is national, there is only partial coverage of Texas. Specifically, publicly available data from the survey identifies only responses coming from nine metropolitan areas in Texas. Although the sample does contain responses from non-metropolitan areas, these are not identified by state. The Census survey covers about 68.2 percent of the Texas population. The second source of data is internal surveys of lending activity conducted by lending institutions doing business in Texas. These institutions cover more than 10 percent of the Texas market for commercial financial institutions and financial companies. These data are used to identify the potential to expand home equity lending in Texas if lines of credit became available. Endnotes [1] In 1997 and before, availability of home equity loans in Texas was limited to home improvement loans, loans to pay outstanding taxes and loans allowing one spouse to “buy out” another in the case of divorce. Such loans were typically known as a second lien against the property. Homeowners could not secure a loan backed by the equity in their home and use the proceeds of the loan for purposes other than those specified in law. Outside of Texas, using home equity loan proceeds for whatever purpose and even the more flexible home equity line of credit (a revolving line of credit secured by home equity) have been widely available for years. [2] The tentative nature of this statement stems from what seems to be respondent confusion to the American Housing Survey (AHS). In the 2001 AHS, 14 Texas households identified themselves as having a home equity line of credit in 2001. Since these lines of credit currently cannot be offered in Texas, the most likely explanation for this is that these respondents misunderstood the “line of credit” option in the survey as describing the “draw down” feature of a home improvement loan during construction when, in fact, these instances were almost certainly traditional “closed end” loans. Placing these responses in that category indicates that 6.4 percent of the homeowners in the survey in Texas had a closed-end home equity loan as compared to only 5.7 percent in states outside of Texas. [3] House Joint Resolution 31 (HJR 31) passed by the 1997 Legislature that, upon passage, became effective January 1, 1998. [4] On November 2, 1999, Texas voters approved constitutional amendments proposed by the 1999 Legislature to address these problems, Senate Joint Resolutions 12 and 22 (SJR 12 and 22). [5] Data submitted by lenders in early 2003. For number and amount of loans in Texas, the survey included five large Texas lenders. [6] Glenn B. Canner, Thomas A. Durkin and Charles A. Luckett, “Recent Developments in Home Equity Lending,” Federal Reserve Bulletin, April 1998, p. 243. [7] Canner, Durkin and Luckett, pp. 241- 251. [8] From data submitted by lenders. Together these three lenders serve more than 10 percent of the commercial banking market in Texas. [9] These rates and those of HELOCs are from http://www.bankrate.com/ on February 18, 2003. The credit card rate is for a standard card (not gold or platinum) at a fixed annual rate. The auto loan figure refers to a 48-month loan for a new car. The HELOC rate is for a $10,000 or minimum amount. [10] http://www.nber.org/~taxsim/mrates/mrates2.html , February 20, 2003. [11] Federal Reserve Board Statistical Release, G.19, Consumer Credit, February 7, 2003. http://www.federalreserve.gov/releases/g19/current/ . [12] This is a fairly conservative assessment on two points. First it assumes that consumers would replace current borrowing in proportion to the amount borrowed of each type without consideration of the interest rates charged for each type of borrowing. A more rational approach would be to replace all of the most costly borrowing first. Secondly, new car financing rates are among the lowest cost loans available and this probably underestimates the interest costs of non-revolving loans. [13] http://www.federalreserve.gov/releases/housedebt/default.htm , February 19,2003. [14] Disposable personal income in Texas is estimated to be $535.2 billion in 2001. Carole Keeton Strayhorn Texas Comptroller of Public Accounts Window on State Government Contact Us Privacy and Security Policy

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