Real Estate Listing

REALTOR.com: Real estate listings & homes for sale Welcome, Visitor! Sign Up to: Save Searches Save Listings Sign Up Now! Already a member? Sign In Homebuying Tools Find a Lender Find a Mover Market Conditions Neighborhood Tour Real Estate 101 Buyers Sellers For REALTORS® Resource Center News REALTOR.org Search the Web Select a Top Search: Bad Credit Contractors Homeowner's Insurance Debt Consolidation Interior Design Mortgage Rates Loan Types Rates Points 30-yr fixed 5.74% 0.37 15-yr fixed 5.39% 0.28 ARM 3/1, 30Yrs 4.87% 0.26 Updated: 12/29/2005 12:24:18 PM Check Local Rates Search our national directory of mortgage brokers and lenders. Find a Home Over 2.5 million listings for sale! State/Province AB AK AL AR AZ BC CA CO CT DC DE FL GA GU HI IA ID IL IN KS KY LA MA MB MD ME MI MO MN MS MT NC ND NE NH NJ NM NV NY OH OK ON OR PA PR RI SC SD TN TX UT VI VT VA WA WI WV WY - OR - Minimum Price $0 $500 $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 to Maximum Price $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 no maximum Beds 1+ Beds 2+ Beds 3+ Beds 4+ Beds 5+ Beds Baths 1+ Baths 1.5+ Baths 2+ Baths 2.5+ Baths 3+ Baths 3.5+ Baths 4+ Baths More Search Options Map Search Hurricane Relief Find or offer immediately available temporary housing to assist Hurricane victims: HurricaneHousing.net Relief.WelcomeWagon.com -- Find a REALTOR State/Province Alabama Alaska Alberta Arizona Arkansas British Columbia California Colorado Connecticut Delaware District Of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Manitoba Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Ontario Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming From the National Association of REALTORS ® Join REALTORS® in supporting hurricane victims Why Use a REALTOR® With a GRI? Make the most of every moment with FamilyTime, an interactive DVD celebrating the family. Visit REALTOR® Magazine Online Read current NAR Press Releases For REALTORS ® REALTORS Relief Effort exceeds $5.2 million for Hurricane victims, donate now... Enter the Business Success Zone at REALTOR.org! Find out how REALTOR.com can help you secure more listings, sell homes for more and promote yourself and your brand NEW name for NAR member benefits offeringsthe REALTOR Benefits(sm) Program. Learn about the practical, everyday solutions for your professional and personal life! Reach new levels of success with NAR partner, The Pacific Institute! About the National Association of REALTORS ® Representing Home Owners State & Local Associations Real Estate Specialty Organizations Find an Appraiser Find a Commercial Property International Real Estate Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.

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

Real Estate Prices

MONEY Magazine: Your Home 2005: The 100 Major Markets - Jun. 1, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | The 100 Major Markets While currently hot real estate markets may cool, don't look for many outright losers just yet. June 1, 2005: 7:01 PM EDT More real estate • Pros and cons of interest-only mortgages • How much house can you afford? NEW YORK (MONEY Magazine) - Home prices across the country will likely keep rising over the next year. While many hot markets on both coasts could see a dramatic slowdown in their growth rates, the forecasters at housing research firm Case Shiller Weiss aren't predicting outright losers anywhere. Nationally, home values climbed 14 percent last year, or nearly double the 8 percent of 2003, when the bubble talk began in earnest. Prices are up 20 percent or more in some coastal cities, putting homes out of reach for many. In Los Angeles, for example, just 5 percent of homes sell at prices affordable to a median-income local family. Don't panic just yet, though. Any pop is unlikely to be nearly as severe as what can happen in the stock market. Local markets can drop 10 to 20 percent, but that's about as bad as it usually gets. And a crash is merely a paper loss as long as you don't need to move. Meanwhile, you get a roof over your head and, with a little luck, nice neighbors and good public schools too. Metro area Median home price 5yr change in avg home price Growth forecast to June 2006 United States $190,000 65.1% 7.1% New York/Northern New Jersey/Long Island/Connecticut    New York City $435,000 91.2% 12.6%    Nassau/Suffolk, N.Y. $440,000 92.1% 11.6%    Newark $330,000 79.0% 11.4%    Bergen/Passaic, N.J. $390,000 81.9% 11.3%    Middlesex/Somerset/Hunterdon, N.J. $318,000 87.4% 11.1%    Monmouth/Ocean, N.J. $328,000 97.0% 11.3%    Jersey City $300,000 114.2% N.A.    New Haven/Bridgeport/Stamford/Waterbury/Danbury $335,000 69.7% 9.0%    Trenton $230,000 83.4% 11.0% Los Angeles/Riverside/Orange County    Los Angeles/Long Beach $442,000 122.3% 5.0%    Riverside/San Bernardino, Calif. $329,000 137.3% 4.5%    Orange County, Calif. $610,000 126.3% 6.8%    Ventura, Calif. $550,000 122.6% 5.8% Chicago $254,000 49.6% 8.6% Washington/Baltimore    Washington $385,000 107.4% 13.9%    Baltimore $140,000 85.3% 14.2% San Francisco/Oakland/San Jose    Oakland $535,000 96.3% 13.3%    San Francisco $750,000 67.7% 13.6%    San Jose $619,000 63.0% 13.9%    Vallejo/Fairfield/Napa, Calif. $449,000 125.1% 13.8%    Santa Rosa, Calif. $500,000 107.8% 13.2%    Santa Cruz/Watsonville, Calif. $599,000 86.2% 13.0% Boston/Worcester/Lawrence/Lowell/Brockton $339,000 73.6% 8.0% Dallas/Fort Worth    Dallas $137,000 23.1% N.A.    Fort Worth/Arlington N.A. 23.5% N.A. Philadelphia/Wilmington/Atlantic City    Philadelphia $180,000 71.0% 11.7%    Atlantic/Cape May, N.J. $249,000 112.6% 9.4% Detroit/Ann Arbor/Flint    Detroit $160,000 24.3% 4.3%    Ann Arbor $225,000 28.1% 1.2% Houston $136,000 25.2% N.A. Atlanta $188,000 25.2% 6.4% Miami/Fort Lauderdale    Miami $240,000 106.1% 15.3%    Fort Lauderdale $257,000 105.8% 16.3% Phoenix/Mesa $190,000 53.1% 17.7% Seattle/Tacoma/Bremerton    Seattle/Bellevue/Everett $315,000 38.1% 9.1%    Tacoma, Wash. $212,000 36.9% 4.2% Minneapolis/St. Paul $225,000 63.2% 7.4% Cleveland/Akron    Cleveland/Lorain/Elyria $153,000 20.0% 4.3%    Akron $148,000 17.5% 0.7% San Diego $554,000 138.3% 5.9% St. Louis $129,000 38.1% N.A. Tampa/St. Petersburg/Clearwater $172,000 70.8% 14.7% Pittsburgh $108,000 31.1% N.A. Denver $250,000 33.3% 6.0% Cincinnati/Hamilton    Cincinnati $172,000 18.9% 4.0%    Hamilton/Middletown, Ohio $182,000 20.5% 3.2% Portland, Ore./Vancouver $226,000 36.6% 9.8% Sacramento/Yolo    Sacramento $376,000 131.1% 17.1%    Yolo, Calif. $379,000 140.9% 17.4% Kansas City, Mo. $149,000 30.8% N.A. Orlando $195,000 60.6% 14.3% Indianapolis $113,000 18.8% N.A. San Antonio $123,000 24.8% N.A. Norfolk/Virginia Beach/Newport News $168,000 60.9% N.A. Las Vegas $285,000 107.0% N.A. Columbus, Ohio $172,000 22.7% 3.7% Milwaukee/Waukesha $199,000 40.5% N.A. Charlotte/Gastonia/Rock Hill, N.C. N.A. 19.1% N.A. Salt Lake City/Ogden $155,000 -0.2% 0.0% Austin/San Marcos $151,000 24.9% N.A. Nashville $139,000 19.3% 6.4% Providence/Warwick/Pawtucket $257,000 111.7% 17.7% Raleigh/Durham $186,000 18.9% N.A. Hartford $228,000 54.1% 8.9% Buffalo/Niagara Falls $95,000 27.00% N.A. Memphis $126,000 11.5% 3.2% West Palm Beach/Boca Raton, Fla. $282,000 98.0% 21.0% Jacksonville, Fla. $154,000 57.4% N.A. Dayton/Springfield, Ohio $135,000 15.1% 0.3% Fresno $243,000 129.1% N.A. Tucson $179,000 46.6% 8.5% Albuquerque $146,000 13.3% 1.4% Knoxville $121,000 27.3% 7.0% Bakersfield, Calif. $195,000 114.1% N.A. Toledo $124,000 19.7% 0.6% Youngstown/Warren, Ohio $90,000 15.0% 1.8% Springfield, Mass. $182,000 64.1% 10.5% Sarasota/Bradenton $229,000 83.5% 17.0% Stockton/Lodi, Calif. $370,000 126.9% 21.8% Daytona Beach, Fla. $153,000 79.9% 22.0% Lakeland/Winter Haven, Fla. $133,000 46.5% 9.8% Johnson City/Kingsport/Bristol (Tenn./Va.) $90,000 16.2% 4.8% Lansing/East Lansing $134,000 33.0% 2.9% Modesto, Calif. $305,000 140.5% 15.2% Fort Myers/Cape Coral, Fla. $124,000 92.1% 15.1% Canton/Massillon, Ohio $129,000 16.7% 2.2% Salinas, Calif. $526,000 136.2% N.A. Santa Barbara/Santa Maria/Lompoc $445,000 147.9% N.A. Visalia/Tulare/Porterville, Calif. $190,000 86.1% N.A. Fort Pierce/Port St. Lucie, Fla. $280,000 99.8% 13.7% New London/Norwich, Conn. $226,000 71.9% 6.3% Naples, Fla. $300,000 109.3% 22.4% San Luis Obispo/Atascadero/Paso Robles, Calif. $475,000 137.7% 11.3% Merced, Calif. $270,000 126.2% 16.6% Clarksville/Hopkinsville (Tenn./Ky.) $95,000 15.3% 4.2% Chico/Paradise, Calif. $250,000 119.6% 15.2% Burlington, Vt. $226,000 62.7% 7.8% Barnstable/Yarmouth, Mass. $369,000 115.7% 5.6% Punta Gorda, Fla. $154,000 98.1% 17.5% Pittsfield, Mass. $165,000 57.8% 11.1% NOTES: Data as of 2004 unless otherwise noted. N.A.: Not applicable or not available. SOURCES: Fiserv CSW, U.S. Census Bureau, U.S. Department of Housing and Development, National Association of Realtors. «top» The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Real Estate or Create your own Manage alerts | What is this?

foreclosure property Top List

naples florida foreclosure property usedir.dynu.net naples florida foreclosure property online naples florida foreclosure property Top List Free Foreclosure Search Save up to 50% on your next home purchase, search 100â??s of thousands of foreclosures nationwide. Sign up now for your free trial. site: http://www.ForeclosureTimes.com/?PID=7SF1 Buy a Repossessed House and Save Big $ Find foreclosures and repossessed homes at a fraction of their market value. Buy one for yourself or begin building wealth. site: http://www.lighthouse1.net/realestate Get Fast Lender Approvals 4-5 approved regardless of credit. Refinance to 125% of your homes value. No money down purchase options, first time buyers ok. Rental & Mobile home programs. site: http://mortgage-loan.thelenderdirectory.com Search Homes For Sale In Your Local City View Homes For Sale Nation Wide Using MLS. Unlimited Free Access To Your Local City MLS. site: http://www.quickpickproperty.com/5545 Creative Real Estate Investing Resources Creative real estate investing site for real estate investors with how-to articles, discussion forums, newsletter, online chats, books, real estate clubs, software, much more... site: http://www.REIClub.com Pre4closureList.com Company offers clients a daily, semi-weekly, or weekly pre-foreclosure list in the state or county of their choice to locate and purchase properties under market value. site: http://www.pre4closurelist.com/ How to Buy Foreclosures and Profit Step-by-step guide teaches you how to find and buy foreclosures for a major profit. Learn the one most critical ingredient that other courses fail to tell you. site: http://www.lowriskincomes.com/foreclosures.html Free List of Foreclosures Take a survey and get a free list of Foreclosures. site: http://foreclosures.shopherefree.net Buy and sell houses as easy as ABC Different Technique on selling ,buying ,Government Benefits.software,Virtual Real Estate How to invest in real estate with no credit and no down payment. site: http://www.richforest.com Local Real Estate Listings, Home Loan... Local residential, commercial and industrial property listings. 100% free trial offer for private home sellers and real estate agents. Home loans, mortgage refinancing and more. site: http://searchfeed.com/#28251 Local Seized Cars and Real Estate Auctio Cars for $100 / Homes for $10,000. Fast & Cheap. 90% off Book Value. Buy direct from the sources and save considerably! site: http://starsucces.procash2.hop.clickbank.net Pre4closureList.com Company offers clients a daily, semi-weekly, or weekly pre-foreclosure list in the state or county of their choice to locate and purchase properties under market value. site: pre4closurelist.com Florida Foreclosure Register for a free trial to search over 600,000 foreclosed homes and other distressed property. Save up to 50% on real estate. site: http://www.bargain.com Pre4closureList.com Company offers clients a daily, semi-weekly, or weekly pre-foreclosure list in the state or county of their choice to locate and purchase properties under market value. site: www.pre4closurelist.com Florida Foreclosure Register for a free trial to search over 600,000 foreclosed homes and other distressed property. Save up to 50% on real estate. site: bargain.com Free-Debt-Consolidation-Help.com Get out of Debt! Use our free online guide to choose the right Debt Consolidation program for you. Free advice and links to helpful sites. Get out of Credit Card Debt today! site: http://www.free-debt-consolidation-help.com Buy Homes from 10K; Search Now * Buy Homes from $10,000 * 20,000+ Foreclosures, HUD, VA, FMA... updated weekly! * Thousands of FSBO, Conventional, and REO listings * Realtor listings on homes for sale nationwide * site: http://c.qckjmp.com/az/ch.php?f=277&i=1414 Low Budget Housing Cheap housing alternatives - low income, HUD, foreclosures. site: http://www.LowBudgetHousing.com Stop-Sign Antivirus Software Protect your computer from viruses, spyware, spam and popups. Paid membership includes unlimited technical support! Scan Now! site: http://www.stop-sign.com Ted's Dad's Book Ted explains why you should buy his Dad's book. site: http://tedsdadsbook.com Not satisfied with your results? Yahoo © 2005 Best Offers at usedir.dynu.net All Rights Reserved Great Thanks for Microsoft Related Categories Affordable Insurance Pool Chemical Hydrocodone 10 Online Hand Tool Checking Online Domain Web Hosting.html Nyc Discount Hotel Online Psychic Reading New West Perfume Italian Food Recipe Sonograghy School Contac Lens Art Sale Dry Skin Problem Hotels In Knoxville Tn Diane Birth Control Wholesale Flower Phentermine With Money Orders Domain Hosting Quick Weight Loss Program Drywall Installation Ira Investment Business Arkansas Home Builder Poker Bonus Codes No Deposite Oklahoma School Small Business Credit Card No Pers Guarantee Home Theater Reciever No Prescription U.s. Pharmacies Next Day No Contact Online Loan Cheap Puerto Vallarta Hotel Generic Birth Control Online Airfare Wagner Paint Sprayers Travel To Australia Buy Cheap Vicodin Hydrocodone And Valium Cannon Printer Supply Clothes For Dog Ricoh Copier Toner Small Business Supply Strand Hotel London Emerald Ring Online Video Poker Game Bose Livestyle Ford Probe Performance About Vicodin Luggage New Jersey Limousine Service Wood Burning Fireplace Insert Emporio Armani Perfume Web Hosting Toronto Prescription Diet Pills Cash Delivery Multimedia Card Hotels In Italy Saab Car Price Free Sex With No Credit Card Or Check Carolina Boot Nissan Truck Part Spybot Server Motherboard Electronic Atlanta Discount Hotel Credit Card Airline Miles A Research Paper 1997 Ford Ranger Car Insureance Quote Buy Xanax Online With American Express Car Detailing Supply Ford Car Vehicle Loan Calculator 1031 Property Converse Chuck Taylor Shoe Dc Attorney Option One Mortgage Company Fast Cash Loan Totally Online With No Income And Employment Verification Fast Cash No Credit Check Loan Munich Hotel Pain Meds Without Prescription Used Car Search Engine Discount Travel Package To Hawaii Ontario House Foreclosure Crv

Real Estate Loan

Refinance Your California Mortgage Loan Looking to refinance a California Mortgage Loan? You've come to the right place - Apply Online or Call Us Today at 1-888-835-0761 Apply Online Now Or Call Us Today 1-888-835-0761 Refinance Home Purchases Debt Consolidation Loan Home Equity Loan Bad Credit Mortgage Mortgage Calculator Privacy Policy "Take Command Of Your Home Financing..." Call Us Today Or Fill OutOur Online Application To Get Started CALL TOLL FREE! 1-888-835-0761 Do You Really Need 4 Mortgage Offers - or Just The Best Offer? We don't sell your information to multiple brokerages and call it 'competition' One low offer that best suits your California mortgage needs Experienced loan officers with complete knowledge of mortgage financing No hassles or obligations - just great service! Refinance? Purchasing? Home Equity Loan? Fill out the online application below and'Take Command of Your Home Financing!' Personal First Name: Last Name: Address: City: State: Select One AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Zip Code: Phone Number: Email Address: Best Contact Time: Select One Morning Afternoon Evening Weekends Anytime We don't sell, lease, trade, rent, or otherwise disclose your information.For details see our Privacy Policy For any of your real estate home values visit USFreeAppraisals...as well, here's another California Mortgage Loan page...Visit JoelRealEstate at Orange County Real Estate . As well, be sure to visit our Los Angeles Real Estate resource for more Southern California Real Estate info. We recommend 123Refi for all of your mortgage prequalification and California Mortgage Loan needs.This is our Utah Mortgage Loan resource and this is our Nevada Mortgage Loan online resource. You can also visit this site for any of your Colorado Mortgage Loan inquiries. If you are interested in purchasing an auto dialer then click to this page. Loan Information Property Value: Occupancy: Select One Primary Residence 2nd Home Investment Property Property Type: Select One Single Family Residence Condo Townhome/PUD Duplex or Multi-Unit Will You Have A Co-Borrower? Yes No Monthly Debt: Your Credit: Select One Excellent Good Fair to Good Fair to Below Average Bad Bad with Bankruptcy Monthly Income: I can verify this income through either past 2 years W-2's, past 2 years Tax Returns, or past 12 months Bank Statements. I choose not to verify this income and prefer a 'Stated Income' option. For Refinance and Home Equity Loans Current Loan Amount: Current Interest Rate: Fixed Rate or Adjustable? Any Cash Out? Is this strictly a 2nd mortgage? For Purchases and Prequalification Amount Available for Downpayment: If you prefer a 'Zero Down' option, what is the amount of your total liquid assets (savings, 401k, stocks, etc): If this is a Prequalification, what is your maximum desired monthly payment? Area Interested in Purchasing: Are you working with a Realtor? Yes No Find Out How To Beat The Banks -Read Below For Details... "The service was great and so was my rate!There weren't any hassles at all - they listenedto my concerns, answered all of my questions,plus I got a better rate than I expected." Thanks again, G. Frederickson POINTS EXPLAINED What are points and when,if ever, does it make senseto pay them? FEES EXPLAINED What are the 'real' costs ofmy California Mortgage? This will help explainexactly where your money is going - and where it shouldn't be going... Mortgage Programs Explained... Fixed Rate Mortgage What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage? Balloon Mortgage What is a Balloon Mortgage? When would it make sense for you? Adjustable Rate Mortgage Also known as ARM's or Variable Rate Mortgage. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR. Home Equity Loan - 2nd Mortgage Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you. FHA - VA Mortgage Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs. Documentation Options What are the differences between Full Documentation (full doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs? How Can We Help You 'Beat The Banks'? It's simple: click on any of the banks listed to the right andwe will package your California Mortgage Loan with that bank according to theloan program of your choice - but we'll beat their published rate by .25% and won't charge you any more than the fees that particular bank normally charges. Click here for details or click on the bank of your choice to get started. Mortgage Calculators Mortgage Payment Compare Current Mortgageto New Mortgage Offer Compare Up To 4 Mortgage Programs Call Today For A FREE QUOTE 1-888-835-0761 Beat The Banks!!! Bank of America Washington Mutual Countrywide Wells Fargo Greenpoint Chase New Century GMAC National City © 2005 123Refi.net