buy property in Spain.

Buying property in Spain - A full guide to buying property in Spain Buying Property in Spain A full guide Sponsor this Page for 720.00 a year Over 250,000 Unique Visitors every month! Click here Home | Spanish Shop | Photo Library | Message Board | Classified Ads | Property | Currency Converter | Site Map | Stats | Search | Advertise | About Us | Contact Us Property in Spain - A full guide Introducing the new service from idealspain.com www.idealspain-properties.com - Properties for sale & to rent throughout the whole of Spain CrawfPro Spain SL - CrawfPro is a private company based in Granada, selling select homes in the area. We can also find your property, survey it, lead the buying process, inspect construction, manage your project, look after your property and deal with bureaucracy. Don't be alone. HIFX - Save money on currency, regular payments & overseas property insurance. Lump sums: excellent exchange rates & totally free transfer of funds to Spain. Regular payments: fix an exchange rate for your mortgage or pension transfer for up to 2 years ahead with no monthly transfer changes (this alone could save you 300 per year!). Buying a property in Spain Foreigners buying property in Spain has become very popular. The country has a pleasant, healthy climate and in recent years the local authorities have made great efforts to increase the number foreign tourists and residents. Spain now derives more of its foreign income from tourists than any other country in Europe. Due to low European interest rates, now is a good time to buy property in Spain. There is a very wide selection of standards, from farmhouses (fincas) and plots through to villas, townhouses and new apartment developments. There is no shortage of real estate agents in Spain and it pays to search out a good company who will care for your requirements. Before you buy a property in Spain you should use our website to look at the different areas then consider visiting your favourites before deciding where to buy. Many people also rent a property in that area first. Here's a simple guide to get the most out of buying a property in Spain: Set your budget limit and stick to it. Visit the property at least twice before you make a decision. Check what amenities the property has such as electricity, water, gas. Have a builder or architect examine the structure of the building. Talk to your prospective neighbours about the area. If you are unsure about a property, take photos and draw sketches to take home with you. Have your legal advisor check ownership of the property before you sign anything. Have your legal advisor check outstanding debts on the property before you sign anything Initial Costs As well as the cost of the property, the buyer will be liable for transfer tax (IVA), which at present is 6% on a second-hand property and 7% on a new one, plus 1/2% stamp duty. The property registration office will charge you a fee to change the new deeds into your name. This is usually around 300€. There will also be notary charges for copies of the 'escritura publica'. The charge is on a scale depending on the contract price. In total you should allow 10% of the purchase price for costs. It is often the case that the buyer also pays the sellers fees. Check this at the point of enquiry and it is often possible to negotiate. Banks may also charge an opening commission for mortgage loans. Annual Costs The local town hall charge IBI which is an annual real estate tax. The previous owner is obliged to give you copies of previous bills. Community charges apply when you buy a property on a community development. These cover things like maintenance, swimming pools, gardens etc. You will also be liable for a wealth tax, payable annually and based on the value of the property and a property owners income tax based on your income from the property. You should clarify these in detail with your estate agent at point of enquiry . Finance See our mortgages section here Many developers of new properties are now offering up to 80% over 20 years for non-residents. Local banks will offer anything up to 60% for European residents. Most loans are long-term and secured on the property. When seeking a loan, make sure you are aware of the interest rates and if they are fixed or floating. Banks will ask for passports, residence permits, payslips, sale contracts and copies of the title deeds. There are many advantages to taking out a loan to purchase your property, in the form of tax allowances. We have not listed them here as they are subject to fluctuation. You may need to transfer money into Spain and you need to protect yourself: When you buy a property in Spain, you will know the price of the property in Euros but you will not know the actual cost until you buy all of the currency to pay for it. This means that the property could either cost you more than you had planned (if the Euro strengthens) or the property could become cheaper (if Sterling strengthens). Recently Sterling has fluctuated more than 10% against the Euro within a matter of months, so this does deserve careful consideration. On the basis that you are buying a property and not speculating on the currency markets, it is worth fixing the exchange rate for all of your future stage payments to the agent / developer. How to fix the exchange rate: 1/ Buy all of the currency now on a "spot contract". Hold the currency on deposit and send payments when they are due from your Euro account. To do this you need to have full funds available. 2/ Buy as much currency as you can afford now (e.g. for the first 2 payments) and reserve an exchange rate for the remaining payments. To reserve an exchange rate you need to buy a 'forward currency contract'. In effect you are buying currency now but paying at a later date when you have the funds available. The exchange rate that you achieve on a "forward contract" is not quite as good as that for a "spot contract" but it does guarantee that you know the cost of the property. You will be required to pay 10% of the value immediately and the balance by the date that you have reserved the currency for. Use a specialist currency broker : As a result of extensive research idealspain are pleased to offer preferential currency transfer rates for all their clients and visitors, click here for more information . It is also advisable to speak to your new bank with regards to High Interest Sterling Accounts where your mortgage payments can be taken directly and converted on your behalf. Approx cost to buy a home at 128,000 euros or (80,000 pounds) IVA 7% Spanish VAT payable on declared property value 8,960.00 Legal fees Searches, preparing deeds and translation etc 900.00 Notary's fees Preparing escritura, registering and stamp duty 600.00 I.A.J.D Spanish tax of 0.5% of the declared value 640.00 Connection charges Water, gas, drainage, electricity etc 300.00 Plus Valia Capital Gains Tax on increased value of plot since last sold. Levied by the Town Hall 60.00 Total Approx 7,355 pounds €11.460.00 Currency Converter Legal Matters Most properties in Spain are in fact NOT registered. Most of the re-sale properties are sold by Spanish ....still.... since they earned about 100 a year from selling fruit and veg they would certainly not pay 300 to pay for their property to be registered. The only way someone may find out if how many square meters is legally theirs to sell is by investigating at the Catastral Department and Town Hall. If they have ever declared that there is a property at all. A great deal of families have never informed the Town Hall that a senior family member has deceased and therefore many sales take months to proceed to completion. There are many families with complicated backgrounds, most children believe they actually own what is and sometimes what once was their parents, sometimes resulting in an Expediente Dominio where there can be no proof of title at all. A great deal of the beautiful villas you see advertised are not registered by the builder and therefore the purchaser pays for the first registration, sometimes no licences have been issued and the seller is required to pay fines to the Town Hall. Many many properties are then registered with less than the actual square meters of built area, and a great many are not mortgageable. Most urbanisation properties now being built are of course registered first because there is a compulsory registration system in Spain for new developments but this is Urban land - not countryside. Most of the old village properties have no Title Deeds. The seller of a second-hand home should provide the following documents: The title deed of the property Receipt of payment of the real estate tax for the last year Receipt of payment of the tax on the increased value of Urban Land Certificate that any community charges (if applicable) have been paid up to date Latest copies of domestic bills so that you can take over the services such as electricity and water The seller or developer of a new property should provide you with: Deed of declaration of new construction Occupancy permit Certificate of rateable value of the property Normally, before the purchase of a property is made official, there is a prior agreement drawn up between the buyer and seller. This document will identify the two parties and set out the terms of purchase. You must seek legal advice before signing this and you must be sure that this is the property you want to buy. You can lose any deposit you have paid if you pull out of the purchase and there is a penalty clause in the contract. In the case of the seller defaulting then he has to pay twice the amount. When it comes to signing the contract, this has to be before a notary, in the form of a public deed. This ensures that the details are entered onto the public records. Insurances Fire insurance is compulsory by law when taking out a mortgage. Comprehensive household insurance is available to protect your home and contents. Life insurance can be taken out to guarantee payment of the loan in the case of death. The cost of property - trends Official figures for the Costa del Sol state that property prices will increase this year by 12-15%. It is claimed that an average new property with two bedrooms in a block now costs 241,000 euros (around 2,000 euros per square metre). An average villa costs 388,100 euros. On the Costa del Sol there are around 20,000 homes for sale, 40% of which is in the Marbella area. 75% of home buyers on the Costa del Sol are foreign. The increase in prices is leading to an increase in the number of smaller, cheaper municipalities springing up, away from the coast. Tax advantages for property owners If you spend more than six months a year in Spain, you are obliged by law to apply for a residents permit.* This law is currently being abolished. There are however, several tax advantages for residents of Spain that do not apply to non-residents. Inputted income tax is an annual tax on an imaginary income resulting by virtue of ownership of a property and is charged as 0.5% of the catastral value. If you are a resident you will not be charged this on your principal home. Wealth tax is a tax on all assets in Spain and is charged at 0.2% of the catastral value of any house owned. For residents the first 108,000€ is exempt and for a joint ownership this would apply to each partner. These two taxes are paid annually as long as you own the property. Non-residents do not receive any relief so therefore have to pay 0.7% of the catastral value every year. When you come to sell the property, capital gains tax will be charged on any profit you have made. This is 35% for non-residents but only 20% for residents. A further concession for residents is that if you are over the age of 65 and have lived in your property for at least three years, you are totally exempt from capital gains tax. Finally, if you are 60 years of age or more and have lived in your property for at least three years, you can bequeath your property to your spouse or children and avoid paying inheritance tax on 95% of the valuation. The inheritor must also be a resident of Spain and agree not to sell the property for at least ten years. WSI - Start Your Own Business and Profit from the Internet! Now in its 10th year of business, WSIs systems are used by over 1000 franchisees in 87 countries around the world. Currently rated the "#1 Fastest Growing Business Services Franchise" and the "4th Fastest Growing Franchise in the world" , WSI has established one of the most profitable Franchise Opportunities in the world today with a Proven Business System! Home or office based. Complete Training and Support. No Business experience required. For your free information package & CD please visit: www.wsicorporate.com . Learn Spanish Today for FREE! Learn Spanish the interactive and fun way! Our web site will help you learn Spanish free of charge. Not just a few Spanish verbs, but over 500 words of the Spanish language, including complete Spanish phrases and sentences. Watch our free online demo that plays the first 15 minutes of a lesson. In this demo, the in program manual is displayed on the screen. spanish-online.co.uk Spanish book, cd and cd-rom publishers. User-friendly material for complete beginners to intermediate level. To make the most of our great offers, use the promotional code IDEALSPAIN on our online shop. Intasure - Insurance for your holiday home in Spain - Property insurance for expatriates in Spain - Comprehensive golf cover 365 days of the year which covers theft of equipment, medical expenses, travel, public liability and even hole in one cover - Low, low cost travel insurance. Avro is the UK's leading charter flight-only company, selling over one million seats every year. We have recently expanded and now offer scheduled flights to destinations worldwide, with flights available from over 70 of the world's leading airlines. Bookings.org - The best selection of Hotels, at great prices, throughtout Spain... View Special offers here & 5,166 Golf courses in Europe - Find golf courses in Spain, view pictures of all courses with maps. Book nearby hotels online . Car Hire Booking Centre Online together with IdealSpain.com - Created with one main objective; to offer clients the best vehicles with the best service at unbeatable prices. Why pay more when BOOKING CENTRE ONLINE offers MORE THAN THE REST, CHEAPER THAN REST? Car hire throughout Spain, the Canary & Balearic Islands . Hotel Club - The fast and secure service offering savings of up to 60% on your accommodation. To view Specials click here . PHA Travel has been offering independent advice on Health and Travel Insurance since 1995. Now in our 8th year this site provides our best selling value for money Travel Insurance from a range of reputable travel insurance companies. All policies are underwritten at Lloyds of London or through international travel insurance providers. You can obtain an instant quotation for your travel insurance, and you can buy online with a generous discount. RatesToGo.com - Last minute hotel reservation service. The fast and secure service offering great savings on your last minute hotel reservations - up to 20 days in advance. To book more than 20 days ahead click here . Related Links View agents and information for specific areas of Spain: Choose an option Property for sale in Spain Costa Almeria Costa Blanca Costa Brava Costa Calida Costa de la Luz Costa del Azahar Costa del Sol Costa Tropical - Granada Canary Islands Golf Properties Mallorca New developments Rural properties UK Based Agents Private Property Sales Commercial Property Home Improvements Mortgages Main guide to buying Guide to renting Holiday rentals Private Property Rentals a Property for sale in... a Spain a Costa Almeria a Costa Blanca a Costa Brava a Costa Calida a Costa de la Luz a Costa del Azahar a Costa del Sol a Costa Tropical - Granada a Cordoba, Andalucia a Huelva, Andalucia a Jaen, Andalucia a Seville, Andalucia a Canary Islands a Mallorca a Tenerife a New Developments a UK Based Agents a Rural Properties a Golf Properties a Private Property Sales a Businesses for Sale a Home Improvements a Property to Let in Spain a Private property rentals Related Links a Buying Property - Guide a Buying a finca - Guide a Buy a business-Guide a Buy a bar in Spain-Guide a Renting Property - Guide a Mortgages a Mortgage Calculator a Money Matters a Foreign Currency Services a Legal Matters a Hotels in Spain - A-Z a A-Z of Places a Holidays in Spain a Moving to Spain a Sport Home Page Relevant features Teach Yourself Spanish Relocate to Spain Working in Spain Costa Jobs Driving in Spain Tourist Offices The Culture Healthcare in Spain Legal Matters Banks in Spain Making a will Teach Yourself Spanish Schools in Spain Tenants rights If you have a property you wish to sell privately, you can advertise it on idealspain.com for 150 euros until sold. Click here for details Need to transfer money to Spain? Save money and stop making the banks rich. click here for details NEED A MORTGAGE? Advertise with us Step by step guide Site Stats About us | Terms of use | Contact us | Site Map | Advertise with us | Latest updates Buying Property in Spain | Schools in Spain | Healthcare in Spain | Finance | Move to Spain | Work in Spain | Culture of Spain Airports of Spain | Hotels in Spain | Weather in Spain | Nautical Spain | Geography of Spain IdealSpain.com - Tel: (+34) 952 198 832 - Email: info@idealspain.com All content and images 2000-200 5 idealspain.com Visit our other websites : www.perfectbulgaria.com - www.idealcroatia.com www.iberianimage.com - www.fiestaproperty.com - www.fiestapropertymallorca.com

Foreclosure Property

Investing in Pre-foreclosures and Foreclosed Property THE SOURCE FOR INFORMATION ON FORECLOSURE OUR MOST POPULAR PAGES Bank Foreclosures - REO Pre-Foreclosure Homes Foreclosure Help Foreclosures Discussion Real Estate Investing Sites FORECLOSURE ARTICLES Ready to Invest? Foreclosure Investing 101 Foreclosure Investing 111 Buying at Trustee's Sale Finding Foreclosures Determining Property Value Real Estate Foreclosures FORECLOSURE RESOURCES CA Foreclosure Time-Line Investment Tools Sources for Comps CA County Resources Real Estate Definitions INFORMATION & LINKS Foreclosure Industry Links Avoiding Foreclosure Scams Equity Buyout Scams Trustees and Posting Co.'s "How To" Information Curb Appeal Importance HOME MAIL Investing in Pre-foreclosures and Foreclosed Property Would you buy a house for $150,000 if you could buy the house next door in the same condition for $100,000? If you are a smart investor, I'm going to bet you wouldn't. If you are just beginning as an investor and need information, how are you going to get it and how much are you going to pay? THE SAME CONCEPT APPLIES! You can easily get a basic understanding of the stages of foreclosure, how to purchase property at each stage of the process and ways to obtain financing for your purchase for free or at a very nominal cost. Libraries, bookstores and many websites all offer free or low cost information. Obtain the basic information, read it once, then continue reading it until you KNOW all the material. Your success is not going to be handed to you, you have to become an authority on the investment approach you choose. The confidence and knowledge you will obtain are essential keys to success. No seminar or course costing hundreds or thousands of dollars will put the confidence and knowledge in your mind, YOU have to make the decision and effort to get it there. THERE ARE NO SHORTCUTS! Seminars Books and Courses Cash Investors Personal Counselors Recommendations Avoiding Scams Seminars An easy way to spend a lot of money. The personal motivation inspired by the speaker will always last long enough to provide you time to buy the books or courses. If you are truly motivated to become an investor, you don't need a seminar. On a positive note, if you are an active investor and have already bought a course to increase your knowledge, a seminar is one way to allow the author or presenter to expand on their printed material. TOP Books and Courses Available at Libraries, Bookstores and Websites. Balance the cost against the information presented. You can't really argue the benefits of a twenty dollar book against a seventy dollar book, both undoubtedly have good points and bad points. Try to find the most appropriate information for your situation at a reasonable price. Courses costing hundreds of dollars or more should not be purchased by a new investor. When you have the basics down solid and want additional information or specialized information, then consider additional courses. Remember, your success will not be determined by the size of your library, but by your motivation and knowledge. TOP Cash Investors Take our course, we'll back you up financially! Great sales pitch and I'm sure it would happen if the property could be purchased cheap enough, but anyone can find a cash investor. The hardest part is finding the property. You don't know any cash investors? Look in your local Yellow Pages under Real Estate Loans. Look for ads that say "All Credit" or "Any Credit", typically these are hard money lenders(cash lenders) who have investment money. Can't find any? Look in your local newspaper for real estate ads saying "We Buy Houses", these will often be cash investors. Still can't find any? Look in your local legal newspaper for Notices of Sale. A location will be listed where properties in foreclosure are going to be auctioned off. Go to the location at the time specified and talk to the investors who show up. These are investors used to dealing with properties in foreclosure, find out their requirements, get phone numbers and you are all set. TOP Personal Counselors Sign up with us and we'll provide one-on-one help for as long as you need it. Oh, I'm sure they have experienced investors just sitting around waiting for the phone to ring. There are newsgroups where you can have your questions answered, but your best source of help is going to be investment clubs. Clubs are comprised of local investors who will share information and resources with you. They will have a good grasp on area values and should be able to help you more than anyone else. Plus, if you haven't found a cash investor yet, this is a good place to find one or get referred to one. Look in the Yellow Pages under "Clubs","Associations","Real Estate" or various web sites have lists. TOP Recommendations Take a deep breath, relax and plan your success. You'll need information, resources and knowledge. Find a local investment club, ask where and when they meet, go to all the meetings, absorb everything you can and make contacts. Evaluate the books and information you have seen, pick a source and start reading. Follow the web site discussion groups, print articles that have resources or solid information and save them. Read all the articles you can find on different web pages, it will add to your knowledge. Consider completing a Real Estate Licensing Program Many established real estate companies provide subsidized Real Estate Licensing School. If you do not have a background in real estate, this is a fairly inexpensive way to get an education regarding the technical processes involved, what is necessary to sell a home plus all sorts of additional knowledge. Many companies charge a higher fee if you do not get your license and work for their company, so be sure to shop, an independent school might be cheaper. Look in the Yellow Pages under Real Estate Schools. Keep in mind that if you actually obtain your real estate license, you have different legal considerations than if you are unlicensed. Even if you don't actively sell property full-time, when licensed, you are considered a real estate professional. Go to Open Houses Every weekend houses are held open by Realtors. Go to all the open houses in your area every weekend. You'll learn what sells, what doesn't, what the price ranges are in different areas and start to build a knowledge base of property in your area. It takes gasoline and time, but it's the best way to get a feel for what values are in a given area. Build your Resource File Organize your information and file it. Individual properties will come and go, but six months from now, you don't want to find a property that suits a cash investor's requirements and discover that you cannot find the investor's phone number. Or you were supposed to check back with a property owner this week, but you can't find the paperwork and don't remember the address. The only way to keep track of everything is to have organized files that you use. Understand it doesn't happen overnight. Honestly, the first few times you try to put a transaction together, I would expect problems. It's part of the education process. As long as you don't make the same mistakes again, you'll only get better at what you do. Education is the first big hurdle, the second one is experience, and there's only one way to get that. To just do it. TOP When everything is looked at, MOTIVATION is the base for all of it. You have to be motivated to get the education, you have to be motivated to get the experience and you especially have to be motivated to keep on doing it through the times where nothing seems to be going right. ARE YOU MOTIVATED?

Real Estate Broker and

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

Real Estate Loan

Lowest Mortgage Rates, Refinance, Home Equity Loans, Second Mortage Loan, Mortgage Interest Rate Mortgage By State California Mortgage Rates Florida Mortgage Rates North Carolina Mortgage Rates Texas Mortgage Rates Washington Mortgage Rates Rates Second mortgage rates Interest only mortgage rates Mortgage refinance rates Fixed mortgage rates Adjustable mortgage rates New Information Negative amortization mortgage Balloon mortgages Jumbo mortgages Residential mortgage VA mortgage FHA mortgage Bad Credit mortgage Prequalify for a mortgage Commercial mortgage Early Payoff Calculator Mortgage Refinance Home Equity Mortgage Rates Calculators Brokers & Lenders By State -- Free Quotes Sitemap Home mortgage Second mortgage Interest only mortgage Reverse mortgage More Categories Mortgage Home mortgage Second mortgage Interest only mortgage Prequalify for a mortgage Negative amortization mortgage Balloon mortgages Jumbo mortgages Reverse mortgage Free mortgage quotes FHA mortgages VA mortgages Commercial Mortgage Bad credit mortgage Residential mortgages Refinance mortgage Mortgage refinance rates Home equity loans Home equity line of credit Consolidate loans Home improvement loan Home equity cash out Mortgage calculator Monthly mortgage payment calculator Interest only mortgage calculator Mortgage amortization calculator Early Payoff Calculator Mortgage Payment & APR Calculator Mortgage rates Home equity loan rates Fixed mortgage rates Adjustable mortgage rates Second mortgage rates Interest only mortgage rates Mortgage Glossary Quotes Mortgage Rates Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Loans Debt consolidation Home improvement Calculators Interest only Mortgage rate Mortgage amortization -- Home Since 1995, Mortgageloan.com has served consumers who search for the best mortgage loans, refinancing and home equity loans across the nation. We know that lenders compete for your home loan. Get the lowest rates! Refinance at the lowest rates available Get the Lowest Rates! Service and Data Privacy provided by SecureRights Type of Loan Refinance Purchase Home Debt Consolidation Home Equity 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 Home Description Single Family Multi Family Town House Condo Credit Profile Select One Excellent, Never any issues Good, No recent issues Fair, Recent issues Poor, Major issues You may also search for today's mortgage rates by state and city in our mortgage broker directory. You will find current 30 year fixed mortgage rates as well as interest rates for most other loan programs. Find the lowest mortgage rates for you home loan in California, Florida, Texas, New York or any other state. Or, you can get free quotes for low home refinancing rates, second mortgage rates (home equity loans and line of credit), first time home-buyer loan and debt consolidation loan. By comparing interest rate quotes you can save thousands of dollars. Home Refinance Cash-Out Refinance Home Equity Loan HELOC Debt Consolidation First Time Home Buyer Fill in your present mortgage loan conditions and see if you can save! It's free and you have nothing to loose... >> MortgageLoan.com continuously follows the real estate and home mortgage market to keep you up to date. We provide you with guides and insights in the loan process as well as useful tools such as mortgage calculators. Daily Mortgage Rates Conforming Avg. 7d avg. 7d chg. 30 Year Fixed 5.71% 5.74% 0.03% 1/1 Adjustable 4.62% 4.47% -0.15% Jumbo Avg. 7d avg. 7d chg. 30 Year Fixed 5.98% 6.02% 0.04% 1/1 Adjustable 4.41% 3.89% -0.52% Mortgage Refinance Is your interest rate too high? Refinance could be an option. Are you in need of some extra cash? You probably want to reduce your interest rate... >> Debt Consolidation Everyone can get into financial trouble. Maybe you are behind on your bills and need help? Our debt consolidation lenders respond to your specific needs. They help you find a loan solution that fits your circumstances... >> Home Purchase Have you found your dream home? A home purchase includes finding the best possible home loan. Our brokers and lenders will guide you along the way... >> Home Equity Loans Do not look any further for your home equity loan or equity line of credit. 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Buying Investment Property, RichDad.com Get the book that started it all. The #1 New York Times Bestseller Rich Dad Poor Dad is the book that "rocked" the financial world, J.P. Morgan declares. The Wall Street Journal calls "Rich Dad Poor Dad a must-read for Millionaires" and USA TODAY says it's "A starting point for anyone looking to gain control of their financial future." Learn how to have your money work for you and why you don't need to earn a high income to be rich. ARE YOU READY T O G E T O U T O F THE RAT RACE? Rich Dad's Roads to Riches : 6 Steps to Becoming a Successful Real Estate Investor - Cassette/VHS This program, developed in conjunction with Time Life, will teach you about buying investment property. Missing any of this program can, and will create an investing nightmare when buying investment property. The program includes: - 5 Audio Cassettes -104-page Hands-on Workbook - 2 VHS Video Tapes Bonus Gifts - The book: '101 Ways to Massively Increase the Value of your Real Estate without Spending much Money' by Dolf De Roos - The Mortgage Calculator - Rich Dad's Real Estate Evaluator Rich Dad's Roads to Riches : 6 Steps to Becoming a Successful Real Estate Investor - CD/VHS This program, developed in conjunction with Time Life, will teach you about buying investment property. Missing any one of these steps can, and will, create an investing nightmare when buying investment property. The program includes: - 5 CDs -104-page Hands-on Workbook - 2 VHS Video Tapes Bonus Gifts - The book: '101 Ways to Massively Increase the Value of your Real Estate without Spending much Money' by Dolf De Roos - The Mortgage Calculator - Rich Dad's Real Estate Evaluator. Rich Dad's Roads to Riches : 6 Steps to Becoming a Successful Real Estate Investor - CD/DVD This program, developed in conjunction with Time Life, will teach you about buying investment property. Missing any one of these steps can, and will, create an investing nightmare when buying investment property. The program includes: - 5 CDs -104-page Hands-on Workbook - 1 DVD Bonus Gifts - The book: '101 Ways to Massively Increase the Value of your Real Estate without Spending much Money' by Dolf De Roos - The Mortgage Calculator - Rich Dad's Real Estate Evaluator Home | Sign Up | Events | Buy Products | About Rich Dad | Sitemap RealEstate Investment | RealEstate Investors | RealEstate Investing | Real Estate Investing FAQ | Getting Rich in Real Estate | Real Estate Books | How to Invest in Real Estate | Sample Articles of Incorporation | Buying Property | Biography of Robert Kiyosaki | Robert Kiyosaki Products | Success System | Financial Independence | Real Estate Courses | Passive Income Builders | Acquiring Passive Income | Passive Income Business | Types of Passive Income | Rich Dad Poor Dad Reviews | Rich Dad Poor Dad Book | RichDad | Rich Dad Poor Dad | Summary of Rich Dad Poor Dad | Examples of Personal Financial Statement | Personal Financial Statement | Financial Statement Example | Financial Statement Sample | Managing Money Tips | Cash Flow Notes | Winning in the CASHFLOW Business | CASH FLOW Quadrant Game | CASHFLOW Quadrant | CASH FLOW 101 Game | CASHFLOW 202 | CASHFLOW Game | CASHFLOW 101 Game | CASHFLOW for Kids | Financial Definitions | Cash Flow Definition | Achieve Financial Freedom | Financial Freedom Services | Manage Your Financial Freedom | Books on Financial Freedom | Get Out of the Rat Race | Rat Race Board Game | Escape the Rat Race | Give Up the Rat Race 2002-2003 | CASHFLOW is a Registered Trademark of CASHFLOW Technologies, Inc. CASHFLOW THE E-GAME Whatever your dream may be, CASHFLOW THE E-GAME teaches you money managing tips and how to get out of the Rat Race. Learn about money and finance in a fun, interactive environment. First Name Last Name E-mail Address --