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The Peoples Guide to Mexico: Real Estate in Ajijic and Lake Chapala, Mexico People's Guide Homepage • Copper Canyon • Live & Retire • Carl's Notebooks • Letters • Favorite Books • Visit our Sponsors • Table of Contents • The Best of Mexico: Favorite Places Live & Retire in Mexico Lake Chapala area Buying Property in the Lake Chapala Area by Tony Harries & Teresa A. Kendrick In the last decade or so, it is estimated that more than 10,000 foreigners have purchased property on the Northshore of Lake Chapala. Long prized as a weekend retreat by wealthy Guadalajarans, the villages from Lake Chapala to Jocotepec now boast an expatriate community said to be the largest in the world. Ajijic has become the prime location for foreigners because of its infrastructure of services, such as internet access, and the existence of the Lake Chapala Society, an English-speaking resource center for newcomers and residents. The Real Estate Climate on the Northshore At present, the Northshore has 20 real estate agencies. Their level of competency and expertise vary. In Mexico, the real estate industry is not regulated by the government. It is self-regulated. Two associations are responsible for training agents and policing the ethics of the agencies: AMPI (Asociacion Mexicana de Profesionales Inmobiliarios) is the national organization (with a lakeside chapter) and Gil (Grupo Inmobiliario del Lago) is the local organization. Many offices belong to one or the other, and some belong to both. They provide multiple-listing services that allow agents to show properties listed by other agencies, an advantage for both buyer and seller. The most professional agencies also provide their own in-house training for new agents. Several agencies have websites that will allow you to get a feel for the company, the houses that are available and the prices of property and land. The websites allow you to interact with the agency via email, and, if the site is good, will offer background information and answers to frequently asked questions. It can also provide you with the name of an agent. Choosing an Agent Good agents tend to work for well-run organizations. When walking into the office for the first time, take a look around. Does it look professionally managed? Are key personnel bilingual? Are listings photographed, detailed and organized so you can spend time reviewing available properties and evaluating how much your money will buy? Talk with several agents to find one you feel is knowledgeable, experienced, available, compatible, and upfront. Professional, reliable agents provide service before, during, and after a sale. If a problem or error arise, your agent should work hard to correct it. After your initial meeting, ask around about the reputations of various agencies and agents, but be aware that while gathering information, it is very likely you will also gather misinformation. One person can easily contradict another; this is human nature and common in a small communities. Being a Good Client/Firing an Agent Agent- and agency-hopping is an ethical no-no, but after viewing several properties reevaluate your agent. If you feel that the agent is not listening to you, tell him or her; they will appreciate you restating your requirements. Often clients are confused about what they want, or unrealistic about what their money can buy. Be clear about what you want. Buying a house is an emotional process, so be prepared to experience some unusual feelings and reactions and understand that an agent has the dual job of steering you through the process of buying property in another country and your own learning curve. If you are unable to work with your agent, graciously fire that agent and find another. You might use a simple, “Thank you for your time and efforts. We feel we wish to expand our search and thought we might consult with another agency. If we feel you can be of further service, we will get back to you.” Remember, the agent you are releasing is a member of the community in which you will live and diplomacy will save some feelings down the line. How to be a good Client If your first visit to the area is an exploratory excursion, tell your agent. He or she will guide you as you gather preliminary information. If you are not in a position to buy at the time, limit the time you spend with the agent as he or she has other clients to serve. If you have funds available to buy property, the agent will intensify the search for a suitable property and guide you through the process. Be clear about how much you can spend and when you plan to resettle. Remember agents often work for months without reimbursement for their out of pocket expenses. The Nitty Gritty At this time, prices for houses on the Northshore run anywhere from $22,000 US to 1.35 million US. The average home with the amenities sought by North American buyers are in the $100,000 US range. Location, as everywhere, is one of the most determining factors for setting the price. The further out from services you go, the lower prices will be. View, construction type, size and amenities determine the rest. Clients can choose from gated communities which offer security (a plus for residents who spend 6 months in Mexico and 6 months elsewhere), large country estates, and village living. Village homes are connected to one another by common exterior, and, occasionally, interior walls and allow residents to live within walking distance of most services and activities. Do not let any agent sell you ejido land. No matter what future promises anyone may make, you will not get a legal title. This is land set aside by the government for the indigenous people of Mexico and cannot be sold to foreigners. Also, there are a few places on the Northshore known for their instability due to soft soil or geothermal faults, and some places have water supply problems. Informed, wise agents will steer you away from these trouble spots. The Buying Process Purchasing a home or lot on the Northshore is primarily a cash transaction, but occasionally short-term owner financing is available. When you make an offer to the seller you must present a check for 10% of the value of the house. A photocopy is made of this “earnest money” and the check itself is placed in the agency safe. Once negotiations are completed under the supervision of the respective buying and selling real estate agents, and both parties have signed a purchase agreement, the check is deposited into the escrow account of the selling agency. The check is later applied to the balance of the purchase price at the notary public’s office. (Note: The actual sale price of a property is not a matter of public record in Mexico, nor is it registered with the government. It is unethical for an agent to tell you the sale price of a property. He or she can tell you what the property was listed for, but not what was paid.) The Closing Closings take place in the office of a Notario Publico, or notary public. These are lawyers of very high standing who, after 5 years of legal practice, apply to the government for notario status and must undergo strict scrutiny to be awarded the title. With it comes many responsibilities and important legal functions. One of these is to preside over and ensure the legality of property transfer. The notary authenticates the seller’s right to sell the property, scrutinizes the history of the property for any irregularities, and makes sure the deed is clear and free of liens through appropriate government offices. Since the buyer pays for the closing costs and notary’s fees, it is his or her privilege to select the notary. The notary can advise the buyer which type of deed meets his needs: direct deed or bank trust deed. The notary will file with the Mexican government the application for the transfer of the deed from seller to buyer. His official signature on all documents finalizes the purchase and makes it a legal transaction under Mexican law. From purchasing to closing the norm is 30 to 60 days, but motivated parties can complete the process within 15 days. Differences in Home Construction There is no slab-frame construction in this part of Mexico. A home here is usually of concrete, glass, stone, brick, iron and rebar construction. Wood is expensive and used little except for design affect. Each wall is load-bearing and has its own foundation. Many houses have exterior walls and decorative metal work to ensure privacy and security. There are "aljibes" (cisterns) for water storage and in some of the newer homes, water purification and pressure systems are built-in. You will also find tanks for storing propane used for cooking and heating water as there is no infrastructure to supply natural gas. You will notice a lack of central heating and air conditioning, as it’s not essential. A fireplace on a cool evening or morning is charming and does the trick. There are no building codes so a good agent will provide you with information about levels of construction quality and what might be buried within the walls. Developers The north shore of Lake Chapala has recently seen a rise in new, speculative construction meant to appeal to buyers from the North. Much of this work is being done by young, Mexican architects from monied Guadalajara families with varying degrees of experience and dependability. There are also projects being developed by American, Canadian and European companies. Remodeling Many buyers purchase a home with the intent of upgrading and remodeling the existing structure. Craftsmen, laborers, architects and artisans abound in the area. If you are in the market for such services, perhaps your agent can help direct you to a general contractor who has a good reputation. Be sure to get a signed, witnessed contract stipulating prices and the quality of work and materials to be used. If language is a problem, get a translator to help you. Several translators are listed in the Lake Chapala Society directory, a members-only book that can be loaned to you by your agent. If, during the remodeling, you feel you have been financially abused, the government has an agency with an office in Chapala called PROFECO which helps consumers receive satisfaction. The pace of work is probably not what you are used to, but in Mexico, patience is required as distribution of materials, cultural standards, and community -- and family-based events interrupt building schedules. Real Estate Agencies/Developers/Internet Websites In Ajijic: Abode Realty: Adj Corporation Ajijic Developments: http://www.ajijicdevs.com Ajijic Real Estate, http://www.ajijic.com ; email: ajijic@infosel.net.mx Ambience Fine Home Builders: http://www.ambiance.com.mx America Mexico Builders Camille’s Realty/Coldwell Banker Chapala Realty: http://www.chapala.com Continental Realty Chula Vista Norte Eager & Asociados: http://www.mexconnect.com/MEX/ea/ea.html Laguna Real Estate: http://www.mexconnect.com/amex/lgna/ Marnher Group RE/Max Ajijic: http://www.desconresorts.com In Chapala: Coldwell Banker/Chapala Realty (Chapala Office), http://www.chapala.com Sierra Vista: In Chula Vista: Century 21 Vistas: http://www.lagunanet.net.mx/c21vistas In Jocotepec: Semprex Realty In Riberas del Pilar: Sunset Realty: http://www.sunsetrealty.com.mx In San Antonio Tlayacapán: Re/Max Fenix About the authors: Tony Harries is a real estate agent who has been working in the Lake Chapala area since June 1997. He is an award-winning school teacher from Texas who retired after 31 years of service. Proficient in Spanish, he has developed a deep appreciation of Mexico following several decades of travel in Mexico before his retirement. He has helped clients from all over the world buy property in the area and this year became a top producing agent for one of the area’s leading agencies. His email is tonyharr@prodigy.net.mx Teresa Kendrick is the author of the recently published book “Mexico’s lake Chapala and Ajijic: The Insiders Guide to the Northshore for International Travelers” Highly detailed and up-to-date, the 208 page book boasts 143 color photographs, a well-organized table of contents and index, and information about nearly everything available on the Northshore of Lake Chapala for travelers and newcomers. The book is available with a full-color map of the Northshore for $26 US plus shipping and handling. The book will be available to purchase locally by calling 76-6-3163 or by ordering from her website: http://www.chapalaguide.com Teresa's email is ajijic@chapalaguide.com . Top of Page Homepage Table of Contents Site Map Write to us, Carl & Lorena http://www.peoplesguide.com ©1972-2001 by Carl Franz & Lorena Havens Copper Canyon • Live & Retire • Table of Contents • Book Reviews • Letters

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TREC - Home Page -- Licensee Info Search Quick Links -- To Popular Pages -- Licensee Info Search R. E. Contract Forms Renew or Apply Online Salesperson Application Real Estate License Forms Education Providers Core R.E. Course List Freq. Asked Questions Real Estate License Act TREC Rules Data File Downloads HOME Area TREC Home Page Licensee Info Search Meetings & Agenda What's New Archive What Does TREC Do? Freq. Asked Questions Email Notification List Related Web Site Links Topics of Special Interest Mission Statement Compact with Texans Customer Service Survey Link Your Site to TREC Site Map KEY To Symbols =Page is in area (folder tab) of this color = Adobe PDF file format = Web site external to TREC About This Web Site: Get Help Navigating the TREC Web Site Comment on the TREC Web Site here Web Site Wins 2005 Award The November 2005 issue of the TREC Advisor is available in both printable PDF and HTML formats. Licensees and other subscribers can access the TREC Advisor here . Commission Enacts Temporary License for Evacuees from Katrina Click here for details for prospective temporary licensees , including a special application form, the press release and the new rules pertaining to those affected by Hurricane Katrina. Our mission is to assist and protect consumers of real estate services, thereby fostering economic growth in Texas. What's New? The Texas Real Estate Commission proposed revisions to 6 contract forms and 4 addenda at it regular meeting on December 5, 2005. View the proposed forms and summaries here . A periodic Sunset Review of the Texas Real Estate Commission is currently underway, as required by the Texas Sunset Act. Broker Minimum Services Requirements . . . read the latest updates . 2005 Legislative Report - Two new bills to affect the Real Estate License Act; one new bill to affect the Texas Timeshare Act . . . read more Inspectors! We now publish the Minutes of recent Inspector Committee Meetings. Also, see the new, searchable Inspector Questions & Answers page. List of Providers for the new Legal Update and Legal Ethics courses. Please see our updated MCE FAQs page , covering the new Legal Update course and Legal Ethics course. Most Recent Enforcement Questions and Answers (past 6 months) -- Find former "new" items in the What's New Archive Important Information! TREC Redesigns Licenses The Real Estate License Act is now codified at Ch. 1101, Tex. Occ. Code File and Pay Online! Broker & Salesperson Applications; Broker & Salesperson Renewals; All Inspector & ERW Renewals All Licensees! Easily update your permanent mailing address online free. Look up MCE courses completed in the Quick Links' Licensee Info Search . Page last modified: 12/18/2005 Site Map Privacy & Security Policy Open Records Accessibility Texas Online Statewide Search TX Homeland Security

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Google Directory - Regional > Europe > United Kingdom > Business and Economy > Property > International Directory Help Search only in International Search the Web International Regional > Europe > United Kingdom > Business and Economy > Property > International Go to Directory Home Web Pages Viewing in Google PageRank order View in alphabetical order 1st for French Property - http://www.1st-for-french-property.co.uk/ Offers property search by region and includes information about adding properties. WEF - http://www.vefuk.com/ Estate agents specialising in the sale of properties in France, and international new build property. Federation of Overseas Property Developers, Agents and Consultants - http://www.fopdac.com Trade association for specialists in the international property market. Contains a directory of members and fact sheets. Owners Overseas - http://www.ownersoverseas.com/ Properties mainly in Spain and the USA. Site includes a database of properties and a buyers' guide. Solvista - http://www.solvista.co.uk Specialise in country properties in Andalucia, Southern Spain. Luxury coastal apartments, villas and farm houses with land for renovation. Spanish Connection - http://www.spanish-connection.co.uk Information for UK residents wishing to buy properties in Spain. Ultra Villas - http://www.ultravillas.co.uk/ Spanish property consultants specialising in the sale of freehold properties. Details of homes and prices available. Elite Spanish Properties - http://www.espvillas.com Offer estate agency service for villas on the Costa Blanca and Costa Calida coast. David Headland Associates - http://www.headlands.co.uk/ Offering property in Spain, Portugal and Cyprus. Includes a search feature and a brochure request form. French Property Service - http://www.frenchpropertyservice.com Buy, sell or rent French property. Searchable database. Spanish Property Auctions - http://spanishpropertyauctions.com Re-possesed property coming to auction in Spain. Fine Property France Estate - http://www.finepropertyfrance.com Properties for sale in South West France. Search the property database. The Turkish Property Centre - http://www.theturkishpropertycentre.com/ Turkish homes for sale. Details of properties, advice, rentals, services and customer testimonials. Sunny Property - http://www.sunny-property.co.uk/ UK and Turkey based estate agents offering property for sale in North Cyprus. Eurofarms - http://www.eurofarms.com Help for farmers wanting to relocate to continental Europe. Lemon Tree Villas - http://www.lemontreevillas.com/ British property management agents for the Costa del Sol offering both property for sale and holiday rental management and advertising. World Class Homes - http://www.worldclasshomes.co.uk Independent international real estate agency. Offering homes throughout Spain, the Balearic Islands, Gibraltar, Portugal and Bermuda. Spanish Property Company - http://www.spanishpropertycompany.co.uk Country properties and building plots for sale in Almeria, inland from Mojacar Southern Spain. Coastal Estates - http://www.coastal-estates.com/ Offers for homes for sale, rent and investment in Orlando, Florida. Details of properties and service. Based in Southampton. Propertunities - http://www.propertunities.co.uk Selling properties, villas, apartments, maisonettes, on the Spanish Costa Blanca. Spain Direct Ltd - http://www.torrevieja.uk.com/ Sells new freehold property on the Costa Blanca in and around Torrevieja. Profile, services and brochure request., CIPS International - http://www.cipsinternational.co.uk/ Assists and guides people through the property purchasing procedure in Spain and Portugal. Spain SA - http://spainsa.com/ New and resale property in Costa Calida and La Manga, Spain. Profile, property database, brochure request and buying hints. London Paris Dream Home - http://www.parisdreamhome.com/ Provide search, legalities, renovation, refurbishment and decoration services for those wishing to purchase property in Paris. The International Property Show - http://www.internationalpropertyshow.com/index2.htm UK exhibition for information on properties overseas. Your Property Abroad - http://www.yourpropertyabroad.com Guide for UK residents wishing to manage their properties abroad. Assist in property inspections, relocation, property sales, and holiday homes. Homes in Bulgaria - http://www.homesinbulgaria.co.uk/ Property and real estate purcasing in all areas of Bulgaria including advice on business and holidays in ski resorts and on black sea coast. DSI Properties - http://www.dsiproperties.co.uk Spanish Property for sale on the Costa Calida, Costa Almeria and Lanzarote. Harringtons Estates Limited - http://www.euro-properties.net Searchable database offering properties for sale in Spain. Information on schools, taxation, mortgages and legal terminology. Bluewater Homes - http://www.bluewater-homes.co.uk UK based real estate company specialising in the sale of properties on the Costa del Sol, Spain and in Crete. Overseas Property Shop - http://www.overseaspropertyshop.com/ Offers freehold apartments, villas, bungalows located in Jalon Valley, Moraira, Calpe, Denia, Torreveija and La Marina. Spanish Dream Homes Ltd - http://www.spanishdreamhomes.co.uk/ Offer a selection of properties for sales in Torrevieja. Rose Developments - http://www.rosedevelopments.com/ Independent Spanish home finder service focused on Almeria area. Details of service, location and buyer's guide. Office in Cheltenham. Spanish Property Sales - http://www.spanishpropertysales.co.uk Spanish properties for sale. Hotspotz - http://www.hotspotz.co.uk/ Sells new and used mobile homes in Spain, France, Portugal and the Canaries. Profile, services, available properties and FAQ. Classic Florida Realty, UK - http://www.classicfloridarealty.com/ Specializes in Florida villas for sale and rental. El Sol de Espana - http://www.elsoldeespana.co.uk/ Independent Spanish property agency with two offices in the UK. Details of regions and properties. Zafra - http://zafra.pwp.blueyonder.co.uk/ London based firm specialising in finding properties in Spain. Flamenca Homes Spain - http://flamencahomes.tripod.com/ Covering aspects of purchasing property in Spain for holiday, retirement or investment. Details of properties and resources for buyers available. Property in France - http://www.propertyinfrance.co.uk/ Property company specialising in the sale and rental of property in France. Details of service, properties and company background. Based in Solihull. Wrights Overseas Properties - http://www.wrights-overseas.com Property available in the Costa Blanca. Lowery's USA - http://www.lowerys.co.uk Specialists in US property sales and rental accommodation, based in the UK, but with offices in Kissimmee, Florida. Belair Spanish Homes - http://www.belaircasas.com/ A Marbella-based estate agent with a UK office offering properties for sale in Spain. Details of properties and the region. Properties of Distinction - http://properties-of-distinction.com Offers a selection of properties for sale throughout France with a search facility by area. The Overseas Property Partnership - http://www.property-partnership.com/ Introduction agency for properties in Spain and Cyprus. Details of services, properties and flights for viewing. Based in Yorkshire. Mayenne Properties - http://www.mayenneproperties.com/ Land and houses for sale in northern France. Picture and prices available online. Belle Maison French Property Investments - http://www.belle-maison.co.uk Information on investments based on the renovation and resale of French properties. ReposenFrance - http://www.reposenfrance.net Property locating service for Normandy, Brittany and northern France. Spanish Homes Direct - http://www.spanishhomesdirect.com/ Offers a single point of contact for advice on buying, furnishing and renting property on the Costa Del Sol. Move to France - http://www.movetofrance.co.uk/ Offers property for sale in Brittany and Normandy. Profile, illustrated property list and information about fees. Sol Mar Properties - http://www.solmarproperties.com Property agents selling new property on the Costa blanca and the Costa del sol. Sunstate Properties - http://www.i-buy-property-in-spain.com/ UK estate agent offering properties for sale in Spain. Details of region and current properties. Exchange Estates Ltd - http://www.exchange-estates.co.uk/ Offers a Spanish villa sales service with a UK showroom. Based in Liverpool. Grassroots - http://homepage.ntlworld.com/p.hortonis Brittany garden and property maintenance service. Estates24 - http://www.estates24.com A searchable online database of international real estate listings of residential and commercial property for sale. Database entries concentrated in United Arab Emirates. Help build the largest human-edited directory on the web. Submit a Site - Open Directory Project - Become an Editor Modified by Google - ©2004 Google Advertise with Us - Jobs, Press, Cool Stuff...

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Home Loans - Forbes.com - New Home Loans U.S. | EUROPE | ASIA Jump Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special Reports Video & Audio Watchlist IT Research Library IT Product & Service Search Business -Manufacturing -Technology -Commerce -Services -Energy -Healthcare -Small Business Technology -E-Business -Enterprise Tech -Infoimaging -Personal Tech -Science & Medicine -Wireless Markets -Equities -Economy -Commodities -Bonds -Emerging Markets -Currencies Work -Careers -Compensation -Entrepreneurs -Management Lists -Companies --Forbes 500s --Forbes Global 500 --200 Best Small Cos. --400 Best Big Cos. --Largest Private Cos. -People --World's Richest People --100 Top Celebrities --400 Richest Americans --Best Paid CEOs -Places --Best Places Personal Finance -Estate Planning -Funds -Philanthropy -Retirement -Strategies -Taxes Lifestyle -Collecting -Health -Real Estate -Sport -Travel -Vehicles -Wine & Food Columnists Magazines -Forbes Magazine -Forbes Global -Forbes FYI -Forbes ASAP -Best of the Web -Archives -Subscriptions Tools About Us Contact Us Help Reprints/Permissions Sitemap Advertising Conferences Forbes Collection Forbes Mobile Special Advertising Search Quote HOME PAGE FOR THE WORLD'S BUSINESS LEADERS Home Special Advertising Section Tell Us About Your Property Loan Type * Refinance Purchase Home Debt Consolidation Home Equity Home Description * Single Family Multi Family Town House Condo Estimated Home Value * $ Select One 75,000 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Tell Us About Your Current Loan Your Mortgage Balance * $ Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Current Interest Rate * Select 3.00 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 5.50 5.75 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11+ % Existing Rate Type * Fixed Adjustable Fixed/Adj How Much Additional Cash do You Wish to Borrow? $ Tell Us about Your Home Purchase Is there a Specific Home You Want to Buy? * Yes No Purpose of Property * Primary Secondary Investment Vacation Property State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Down Payment * Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 Over 1,000,000 Rate Type * Fixed Adjustable Fixed/Adj Tell Us about Yourself Your Credit Profile * Excellent Good Fair Poor Annual Income Occupational Status Employed Self Employed Retired Unemployed Monthly Debt Payments Select 0-249 250-499 500-749 750-1,000 Over 1,000 Have You Declared Bankruptcy? No Not in the last 7 years 1-2 years 2-5 years Your Contact Information First Name * Last Name * Email * Street Address * City * State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip * Primary Phone * Secondary Phone Best Contact Time * Morning on Primary Morning on Secondary Afternoon on Primary Afternoon on Secondary Evening on Primary Evening on Secondary * REQUIRED FIELDS Service and Data Privacy provided by Secure Rights Note: Secure Rights is responsible for the collection and transfer of information on this page for the purpose of completing your request. By submitting your request you agree to be contacted in accordance with Secure Rights Privacy Policy . View Secure Rights licenses . Paid Advertisement Article Home Loans Bring Would-Be Homeowners Closer to their Goal If you’re looking to buy a house, it’s unlikely that, in today’s economy, you’ll be able to pay in full up front. That’s why home loans exist – to aid aspiring homeowners in acquiring and financing the homes they’ve dreamed of – without bankrupting them in the process. Home loans can be acquired through banks and home loan companies. Either route you take, you’re entitled to personal service by a representative who will review your finances, credit report, and help you decide which is the best home loan solution for your needs. In order to gather all the information they need, the bank or loan company will re-appraise the market value of your house to determine the proper loan amount. You will then work together to go over the different loan options available and determine which is best for your personal situation. Different Home Loans for Different Folks There are two main types of home loans , each with its own advantages. Fixed-rate loans divide the amount to be repaid over a set number of years. “Fixed rate” means that no matter how the interest rate fluctuates over the years, the amount of payment will remain the same. If the interest rate dips, your mortgage consultant will help you refinance to take advantage of the lower rate. In contrast, adjustable rate mortgages (ARMs) are dependent on the fluctuation of the interest rate over time. When the rate is low, payments are low, but when interest rates are high, the payment increases also. ARMs are slightly easier to qualify for than fixed-rate loans, but they also carry more risks. When you are choosing a home loans company, take into consideration the additional “home loan origination fee” (usually 1% of the total amount borrow, so if you borrow $100,000, the fee is $100), as well as closing, settlement and appraisal fees. Most companies will allow you to “roll” these fees into your home loan, an excellent option that allows you to pay them over time if you don’t have the funds to pay up front. When you’re ready to move forward with a home loan, or if you’d just like to start exploring your options, submit the form at the top of this page to acquire your own mortgage consultant to help you get started with the mortgage process and explain which home loans might be best for you. ^ Paid Advertisement Article ^ Ad Information        Forbes.com Wireless        Reprints / Permissions        Subscriber Services        ©2004 Forbes.com™      All Rights Reserved       Privacy Statement        Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.

Las Vegas Real Estate

Las Vegas Real Estate - Las Vegas Homes Premier Home Welcome to Las Vegas Homes The Las Vegas Real Estate market for many years has been one of the hottest Real Estate markets in the world, with many Las Vegas Real Estate properties selling in less then 1 week. With a market like this it is important for your Las Vegas Real Estate website up to date with every Las Vegas Real Estate property available. With Las Vegas Homes .com you are GUARANTEED a response from one of our Realtors in 1 business day or less. With our State of the art Las Vegas Real Estate search engine you have access to all the Las Vegas Real Estate properties available in Las Vegas and surrounding areas 24 hours a day . Our website is constantly updated with all the Las Vegas Real Estate available to ensure you will find exactly what you are looking for. LAS VEGAS HOMES SEARCH Price Range: No Minimum ------------ $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $310,000 $320,000 $330,000 $340,000 $350,000 $360,000 $370,000 $380,000 $390,000 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 $470,000 $480,000 $490,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 to No Maximum ------------ $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $310,000 $320,000 $330,000 $340,000 $350,000 $360,000 $370,000 $380,000 $390,000 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 $470,000 $480,000 $490,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 Bed(s): Bath(s): No Minimum ------------ 1 + 2 + 3 + 4 + 5 + 6 + 7 + 8 + 9 + No Minimum ------------ 1 + 2 + 3 + 4 + 5 + 6 + 7 + 8 + 9 + Square Footage: No Minimum ------------ 500 + 1000 + 1250 + 1500 + 1750 + 2000 + 2250 + 2500 + 2750 + 3000 + 3250 + 3500 + 3750 + 4000 + 5000 + 7500 + 10000 + 15000 + 20000 + LAS VEGAS HOMES MLS NUMBER SEARCH MLS Number: LAS VEGAS HOMES HOMEFACTS NUMBER SEARCH HomeFacts Number: Information Utility Connection Form Selling a Home Buying a Home Choosing a Realtor Relocate to Las Vegas Contact Us Las Vegas Homes 8290 W. Sahara Ave Suite 200 Las Vegas, NV 89117 (702) 939-5167 (800) 758-7071 Click here to Email Us Las Vegas Homes Property Data updated on Thursday, December 29 at 06:00:01 AM Home Page Real Estate for Sale ** Just Reduced ** ** New On Market ** Previews & Luxury Homes Property Watch Open Houses Relocation Services Real Estate Career? Master Planned Living High-Rise Living Mortgage Services Customer Services Search For a Realtor Our Offices Agent Login © 2005 Las Vegas Homes | Las Vegas Homes Site Map | Las Vegas Real Estate Links Las Vegas Homes by Zip Code | Las Vegas Real Estate by Community Real Estate Technology by Premier Technology Services