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Screensavers and multimedia authoring tools at RI Soft Systems Screensavers -Selectfrom list below- 3D Christmas Cottage 3D Falling Leaves 3D Halloween 3D Snowy Cottage 4th of July Fireworks Adorable Pets Advent Calendar America - Land of... American Flag Tribute Archive CD - 1999 Archive CD - 2000 Archive CD - 2001 Archive CD - 2002 Archive CD Set Attack of the Y2K Bug Autumn Scenes Bible Scenes Bill's Pie Toss Birds of Prey #1 Birds of Prey #2 Blank-it Calm Before the Storm Clinton Blues Corndog Cupid's Valentine Demotivators Desktop Graffiti Dimensia 3D Dog Days Duke Nukem Flowers and Fields Ghoul's Delight Halloween Bundles Haunted House Heavenly Valentines Hey Macaroni Holyear vs Teethson Hoover Horoscopes Hot Air Balloons Image Carousel II Lake Scenes Lewd Leprechauns Liverdance Living 3D Dinosaurs Living 3D Dolphins Living Beaches Living Coral Living Gardens Living Rainforest Living Series Living Snow Globes Living Wallpaper Living Waterfalls Living Waterfalls 2 Living Wilderness Lord of the Runway Love Saver Macaroni Antics Majestic Horses Matrix Recital Mikey Likes Ears My 3D Christmas Tree New Frontiers Night Before Christmas Penguin Party Pope Paul II Pretzel Game Princess Diana Randomizer Ronald Reagan Rude Dude Series Santa's Workshop Scenic Waterways Soothing Sunsets Spray Paint Sumo Dance Survivor Parody Thanksgiving Recipe Trick or Treat Turkey Shoot Whales and Dolphins Whitehouse Mambo Wild West Winter Wonderlands Games -Selectfrom list below- Jixxa 2.0 RISS Solitaire Utilities -Selectfrom list below- Adorable Pets WP ICL Builder RISS Font Paks Other Holiday Favorites 3D Snowy Cottage Only $16.95 Living Snow Globes Only $16.95 Winter Wonderland Only $14.95 Advent Calendar Download for $14.95 Penguin Party Download for $9.95 Living Waterfalls Only $14.95 -- Living Waterfalls 2 Only $14.95 -- Live Webcam Pictures -- Why wait for Santa? As you begin the countdown to Christmas, dont forget to decorate your desktop. My 3D Christmas Tree Decorate your own Christmas tree or set to random and enjoy the beauty of the holiday season. Watch the snow fall on our Christmas village while birds and rabbits frolic in the fresh snow. Get in the spirit with the holiday music included. For $16.95 you will receive the full version of My 3D Christmas Tree for two additional Christmas scenes and more varieties of lights and decorations . See More Details 3D Night Before Christmas Remember the excitement of Christmas Eve! Everything is ready and a calm descends. Turn your screen into that peaceful evening with 3D Night Before Christmas ScreenSaver. The lights on the Christmas tree blink as the snow falls serenely outside the windows. The fireplace glows as the cat meanders through the room, decorated for the holidays . The setting is complete with your favorite Christmas music and sounds - five songs to choose from. Purchase to the full version for $16.95 and receive two additional holiday scenes . Your family will treasure every one. See More Details 3D Christmas Cottage Nothing is more beautiful than accumulating snow on a picturesque holiday scene. Holiday lights welcome you as twilight approaches on this quaint Christmas cottage with its glowing windows and smoking chimney . The evergreen setting comes alive with birds, rabbits and a meandering stream under a rustic stone bridge . Purchase to the full version of 3D Christmas Cottage for two additional Christmas cottages and delight in the beauty of the season. The full version is available for an exceptional value of $16.95. See More Details Santas Workshop This holiday classic has been entertaining families for years. Feel the frenzy as the elves prepare for the joyous day as they work industriously at the toy assembly line . The whimsical animation is certain to amuse your family and generate excitement for Santas impending visit. Purchase the full version for more jolly elves working on fabulous toys, surprise visits from Santa and even more spellbinding animation, including flickering candles , roaring fireplace, calendar countdown, tinkling wind chimes and visiting birds . Turn up the sound and frolic to the holiday music . See More Details Animated Wallpaper My 3D Christmas Tree Free Download 3D Snowy Cottage Free Download Christmas Countdown Free Download Free RI Soft Systems E*News Newsletter Enter your email address to receive our free E*News, with announcements ofnew screensavers, updates and more: PrivacyPolicy Top Selling Screensavers Living Snow Globes Living Waterfalls Living Beaches Santa's Workshop Living Coral Living Wilderness Living Rainforest Living Waterfalls 2 Advent Calendar

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HUD Homes Housing About Housing Contact us Keywords Single Family Audience groups Buying a home Events & training FHA insured loans Common questions Housing counseling HUD homes/ REO Owning a home Reference guide Regulatory programs Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help HUD Homes Listings Information by State Esta página en español Print version Email this to a friend Related Information HUD's Buying A Home page More information on HUD homes HUD approved lenders Lead hazards Fair housing Settlement costs Listings from other agencies HUD sells properties at reduced prices that you might want to buy! Read how you can buy a HUD home. Then, check out the listings of HUD homes by clicking on a state in the list below. If you think you want to buy a HUD home, contact a real estate broker in your area who is authorized to sell HUD homes (most are). The broker must submit the bid for you. Alabama Alaska Arizona Arkansas California Northern Southern Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana N. Mariana Is Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming Confused about buying a home? Consult a HUD-approved housing counseling agency . They will be able to help you sort through your options. If you are a real estate broker, the following information is for you: Intro to Selling HUD Homes Real estate brokers selling HUD Homes Management and Marketing contractor list Content updated June 13, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Real Estate Brokers and

Real estate brokers and sales agents Occupational Outlook Handbook, 2006-07 Edition U.S. Department of Labor | Bureau of Labor Statistics | Bulletin 2600 Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Source: Bureau of Labor Statistics

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Property Menu - Property Manual - Chapter 2 - Purchasing - Pre-purchasing Activites SITE NAVIGATION Thursday, December 29, 2005 MAJOR TOPICS HOME Research Admin. Offices Overview of ORA ORA Staff Directory Compliance Assistance Expenditure Website Funding Opportunities PTA Setup Stanford Rates Research Policy (RPH) Institutional Facts Service Centers Space Inventory Training AXESS Oracle Financials Reportmart 3 Additional Links Cardinal Curriculum HelpSU Inst. Compliance ORA Staff Site Stanford BenefitSU Stanford Policies Stanford University Stanford WebMail Stanford Who Stanford You Sundial Calendar ORA Suggestion Box Report A Broken Link Office of Research Administration Go Back Printer Friendly ORA Home / ORA Offices / Property Management / Manual / Ch-2 / Purchasing / Pre-purchasing Activites Prepurchasing Activities Virtually all capital asset purchases made by Stanford – federally funded in particular, are subject to prepurchase screening to avoid acquiring duplicative items. In addition, if sponsored funds are used to purchase property, there are other prepurchase considerations, such as approval to purchase. Specific requirements may be identified in each agreement. When using sponsored funds to make a purchase, it must successfully meet all four of the tests described below, per OMB Circular A21. Allowable: Allowable and unallowable costs are defined in A21 AND in the terms of specific awards – items must be budgeted and approved to be allowable. Allocable: Only those expenses that BENEFIT a project may be charged to that project Reasonable: Costs must reflect what a “prudent person” would pay Consistent: Costs must be handled consistently across the University by following Stanford policy Example Allocable Allowable Reasonable Researcher wishes to purchase lab supplies, budgeted and approved, for the project X X X Researcher wishes to purchase a $50,000 oscilloscope when a 3,000 model will work just as well for the project X X It would not be reasonable to spend $50,000 when $3,000 would suffice Researcher decides to purchase alcohol for a sponsored project party and charge it to the grant specifically supporting government research X Alcohol is NEVER allowable X Unallowable Methods of Purchase The only appropriate way to purchase property is through the iProcurement system. Use of Stanford PCards, personal funds or personal credit cards to purchase capital equipment or material for fabricated equipment is prohibited by Stanford policy . Navigation Links Parent Menu ORA Home ORA Offices Property Management Property Manual Chapter 2 Chapter 2 Purchasing Accounting for Property Purchases Pre-purchase Activities Screening Purchases to Upgrade Existing Equipment References & Resources Sensitive Items Chapter 3 Related Links Chapter 2 (PDF) Stanford University / Business Affairs / Office of Research Administration Stanford Who Directory - Campus Maps - Site Browser Requirements © 2005

Real Estate Loan

Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages contact us | careers | sitemap | help | log in Homepage Home Loans Home Loans Main Page Today's Rates Purchase a Home Refinance Your Home Use Your Home Equity Less Than Perfect Credit Loans en Español Start Your Application Calculators Your Home Loans Accounts Customer Service Banking Banking Main Page Today's Rates Certificates of Deposit (CD's) Money Market Accounts Savings Accounts View All Banking Products Open an Account Your Banking Accounts Financial Centers Insurance Insurance Main Page Homeowners Condo Home Warranty Life Disability Auto Health Commercial Employee Benefits Other Products Planning for Life Insurance Checkup Get a Quote Your Insurance Policies Your Accounts With over 35 years of service and one of the widest selections of loan programs , Countrywide Home Loans is an expert at finding solutions for all kinds of situations. log in to manage all of your Countrywide accounts username: password: destination: my account summary my home loans make a payment view transactions view loan details view statement my banking view account details my insurance view account details register | help forgot password forgot username Find more ways to : See what our customers are saying. purpose: Purchase Refinance Home Equity loan amount: property ZIP code: ZIP code finder Check today's high yield CD and Money Market rates Compare your rate Compare your coverage Get a free online quote home insurance calculator rate watch home loan calculators learn about our loans your credit report I want to: Purchase a home Refinance my home Use my home equity Click here to learn more about our great CD rates. SPECIAL ALERT: If you live in the areas affected by hurricanes, and need information regarding loans-in-process, new loans, or information on your account, please log in or call our customer service line: 1-800-669-6607. Click here for FAQs . PURCHASE REFINANCE HOME EQUITY for more information about new loans 1-800-556-9568 LESS THAN PERFECT CREDIT Countrywide Home Loans' Full Spectrum® Lending Division 1-800-871-1756 Customer service on existing loans 1-800-669-6607 BANKING top CD and money market rates , compare rates and terms 1-800-817-4383 INSURANCE homeowners , home warranty , auto , life , individual health , disability , commercial and employee benefits 1-800-262-4240 Countrywide Financial offers these products through our family of companies.* home loans | less than perfect credit loans | home loans en español | we house america | banking | insurance | investments | your accounts | log in contact us | site map | about us | investor relations | careers | privacy and security | licenses and registrations Countrywide Home Loans, Inc. and Countrywide Bank, N.A. are Equal Housing Lenders. ©Countrywide Financial Corporation. Trade/service marks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. If you use a pop-up blocker, you should disable it while using our sites. * Countrywide Financial offers these products through our family of companies. Home Loans provided by Countrywide Home Loans; Banking services provided by Countrywide Bank, N.A., member FDIC; Insurance services provided by Countrywide Insurance Services, Investment Services provided by Countrywide Investment Services.