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Baton Rouge Real Estate- CJ Brown - Baton Rouge Real Estate -- #1 Baton Rouge Real Estate Company! Login | Contact | Help Legendary Service Since 1917 Suggestions Home Buying Selling Relocation Renting Finance Insurance Appraisal Careers Go To Shopping Cart www.cjbrown.com 1-800-428-8294 Site Last Updated Thursday, December 29, 2005 2:09 PM CST Quick Search Search Listings Search Rentals Search Our Team Search Loans * Enter address, MLS#, zip code, or subdivision, then click Go or select a different type of search. * To search for rental properties, click Go. * Enter an team member name, then click Go, or select a different type of search. * Enter a loan name or type, then click Go, or select a different type of search. advanced search Search Our Team For advice and representation you can trust, use a C.J. Brown Realtors Team Member. Find An Office We have offices all over the Gulf South. Find one close to you. myCJBrown Find listings even after you have left our site, save listings, and more! News & Events -- About Us Site Map Site Map1 Resources -- Experience Urban Living in Baton Rouge A Surprising Housing Boom along the Gulf Coast Branch Office Update Agents & Employees Corporate Contacts #1 Company In Baton Rouge Real Estate! Great News! To search ALL active Baton Rouge real estate listings in the MLS and see all the information , logon to our system, or you can search thousands* of Baton Rouge and Louisiana real estate MLS listings on our standard property search. Find out how much you need to pay from our mortgage calculators. Established in 1917 in the Baton Rouge real estate market, we have grown to include offices in Baton Rouge, Ascension and Livingston parishes in Louisiana as well as offices throughout the Gulf South. Rely on our experience as you go through the most comprehensive real estate listings. Choose the perfect home from our MLS listings. The only name that stands out in Baton Rouge Real Estate is C.J. Brown Realtors/LATTER & BLUM Inc. Realtors Take advantage of our mortgage calculators to calculate the amount of investment you need to make to finance your dream home. Our comprehensive real estate listings span the length and breadth of the country, to give you the widest property options. Essential Mortgage Co. is a division of LATTER & BLUM/CJ Brown, a trusted real estate leader since 1916. We're proud to offer mortgage brokerage services including mortgage calculators to corporate clients, credit unions, builders, and the real estate community. LATTER & BLUM Insurance is capable of meeting a variety of individual needs, helping our clients to arrange a comprehensive and cost-effective program of insurance services, including: auto insurance, business insurance, home owners insurance, life insurance and personal umbrella. A host of services on offer from a definitive name in real estate transactions, C.J. Brown Realtors! Select an option below to begin. Conduct a search using maps of our area. Search for homes by location, amenities, and price. Preview an upcoming open house. Search for rental properties by location, price, and amenities. Take a 360 degree tour of our homes! Save your favorite listings for quick access later. Search for retail and commercial properties. See new developments. Search for REO Properties. Search for 3rd Party Properties. Search Listings by map Search Listings by text Open House preview Search Rental properties Search REO properties Virtual tours View Featured homes Commercial property search Developments search Search 3rd party properties New Orleans | Baton Rouge | Mississippi | Hammond | Lafayette | Sitemap *Subject to the rules and regulations of the Greater Baton Rouge Association of Realtors Multiple Listing Service. -- Home | Buying | Selling | Relocation | Renting | Finance | Insurance | Appraisal | Careers | Property List | Agent Websites All information provided on this site is believed to be reliable but is not guaranteed and should be independently verified. Please see our Terms of Use and Privacy Policy . Latter & Blum Inc./Realtors and Latter & Blum Property Management are licensed real estate brokerage firms in Louisiana and Mississippi CJ Brown Realtors is a licensed real estate brokerage firm in Louisiana LATTER & BLUM, Inc/Realtors, Corporate Headquarters 800 Common St., Suite 1000, New Orleans, LA 70112, USA main 504.525.1311, web-info@latterblum.com Licensed In The United States Of America 2001 LATTER & BLUM, Inc/Realtors. All rights reserved. Resources | Site Map1
Selling Home
FCIC: Selling a Home Return to Federal Citizen Information Center Home Page Printer-friendly page -- Life Advice About... Selling A Home This Life Advice section about Home Improvement was produced by the MetLife Consumer Education Center reviewed by the Real Estate Educators Association and the U.S.D.A. Cooperative Research, Education and Extension Service. If you've decided to sell your home, chances are you're caught up in a host of emotions. You may be looking forward to moving up to a new dream house or facing the uncertainty of a major move across country. You may be reluctant to leave your memories behind or eager to start new adventures. Whatever turbulent feelings you're experiencing right now, there are plenty of practical matters that need your attention. Keep in mind the following considerations to help the whole process go more smoothly. Time Becomes Money It's a good idea to place your home on the market as far in advance as possible of purchasing a new one. If you find a new home first and then try to sell your present home, you may wind up with two mortgages. If this does happen, ask your real estate agent or banker about a bridge loan to help you make the double payments. Lenders use the same criteria for offering bridge loans as they use for mortgages. Should you qualify for a bridge loan, beware of the expense; during the term of the loan you must continue to pay both mortgages. Shop around for the best terms. Keep in mind that when people move, sell and buy, there usually is a domino effect. Closing and moving dates have to be coordinated, and the more firmly everyone commits to a window of dates and sticks to them, the better for all involved. Put all agreements about dates in writing, and protect yourself by negotiating financial penalties for failure to comply. Check Your Curb Appeal A home that's visually appealing and in good condition will attract potential buyers driving down the street. Use this checklist to view your property through an outsider's eyes. Are the lawn and shrubs well maintained? Are there cracks in the foundation or walkways? Does the driveway need resurfacing? Are the gutters, chimney and walls in good condition? Do the window casings, shutters, siding or doors need painting? Are garbage and debris stored out of sight? Are lawn mowers and hoses preperly stored? Is the garage door closed? On the Inside Strong curb appeal will lure potential buyers inside, where you have to live up to their expectations. Fortunately, there are plenty of easy improvements you can make to your home's interior without spending a lot of money. Cleaning is No. 1. Your windows, floors and bathroom tiles should sparkle. Make sure you have clean heating and air conditioning filters. Shampoo dirty carpets, clean tubs and showers, repair dripping faucets and oil squeaky doors. Keep your home neat, clean and picked-up at all times. It may not seem fair, but a peek in the oven may be the hallmark by which a buyer judges how well you have kept up your home. Remove unnecessary clutter from the garage, basement, attic, closets and straighten stored items. Also remove any items that might make a statement that would be offensive to others who may not share your same views, beliefs or sense of humor. If your home is crowded with too much furniture, consider putting some things into storage. If a room needs a fresh coat of paint, use a neutral off-white. Think, too, about how your home smells. You may be used to the smell of a pet or cigarettes, but such odors can be a strong turn-off to others. Be certain to remove valuables such as jewelry and other items from view. It might be wise to put these items in a safe deposit box before showing your home. Finally, set a mood for the buyer. Make your house homey with live flowers and fresh guest towels in the bathroom. Place scented potpourri around the house or, on the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls into the oven for a welcoming aroma. Remember, cosmetic changes do not have to be expensive. In fact, costly home improvements do not necessarily offer a good return on your investment when you sell. It's attention to the basics—anything that says “this home has been carefully maintained”—that will help you get the price you want. Go It Alone Some homeowners decide to sell their homes themselves in order to save the commission charged by a real estate agent. The commission rate may vary, depending on where you live or what agency you choose, but it is generally upwards of 5%. However, handling your own sale means you will be responsible for placing ads, answering phones and showing your home to strangers. What's more, buyers who know you are saving on an agent's commission may offer less for your home, wiping out the financial incentive to do it all yourself. You may decide an agent's commission is a bargain the first time that a would-be buyer shows up unannounced at dinnertime. Also, be aware that a real estate agent probably knows a lot more about the business of selling a home than you do. Here are some of the advantages professional agents offer: They will help you establish a fair asking price for your home. They will promote your home to other agents and list your property in multiple listing services. A multiple listing service is a book or computer database that all real estate agents who subscribe to the service can access. Your home will get exposure to all those agents, one of whom may have the perfect buyer. They will create, pay for and place advertising for you. They will schedule appointments to show your home to prospective buyers even when you are not there. They can weed out buyers who will not qualify for a mortgage. They can refer you to sources for insurance, inspections, legal counsel and financing. They will help you negotiate with the buyer. They can make suggestions to help make your home more attractive to a potential buyer. If you decide to sell through an agent, ask friends and neighbors for recommendations. Talk to several agents before picking the one you want to work with. Taking a walk through your home with an agent should give you a feel for how that person will handle prospective buyers. Ask prospective agents how they plan to market your home. Don't sign with an agent just because he or she suggests the highest asking price. Negotiate the broker's commission prior to listing your home, and sign for a limited period of time—usually three to six months. Setting a Fair Price Naturally, you want to get top dollar for your home. But, at the same time, you don't want to scare off potential buyers with a price tag that's too high. Setting an artificially high price may cause your property to languish on the market for months. Reducing your asking price later on may lead buyers to wonder if there is something wrong with your home. Here are some of the factors to consider in pricing your home. Your location Economic conditions Supply and demand in the local housing market Seasonal influences Local schools Average home prices in the neighborhood Your home's extras -- pool, fireplace, central air, etc. To determine the value of your home, you probably will want the advice of a real estate agent or appraiser. Ask an agent to prepare a market analysis for you, showing the recent selling prices of three neighborhood properties comparable to your own. The agent can help you adjust for the unique features of your own property. Qualifying a Buyer Either you or your agent will want to quickly weed out potential buyers who cannot really afford to purchase your home. A number of factors will help determine whether or not you are wasting your time negotiating a sale. The buyer's debt and credit history The buyer's current income and employment The buyer's cash position and availability of a down payment The length of time the buyer needs before closing on your home How interested the buyer appears to be in your home versus others Seek Legal Representation When selling your home—particularly if you are selling on your own—it's a good idea to be represented by an attorney. Look for an attorney with expertise in real estate transactions. When a potential buyer puts an offer in writing and you accept it, the signed acceptance becomes the sales contract. Your attorney will be present at the actual closing to protect your interests and can assist you with the following elements of a sales contract: The sale price What is included in the sale price -- draperies, carpeting, light fixtures, heating oil, etc. The amount of the down payment The date of closing and possession date Contingencies to the sale--inspections (e.g. structural, lead-based paint, radon), required improvements, legal review of the contract by the buyer's or seller's attorney, etc. The amount and length of the mortgage loan, interest rate and time limits to secure the loan Determining which closing costs are to be paid by the buyer and which by the seller Tax Implications Selling a home can have a major impact on your federal and state tax returns. Check with your tax consultant on the factors that may affect taxes resulting from the sale of your home. For example: Whether you purchased the home or acquired it by gift or inheritance Whether you used your home partly for business or rental Costs associated with selling your home Home improvements or additions, which may help to offset capital gains The sale of your home. In certain cases you can exclude up to $250,000 in gain ($500,000 for married couples filing a joint return) on the sale of property that was your principle residence for at least two years. Generally, you can use this exclusion every two years. Congratulations! You've successfully weathered the logistics of selling your current home, and you're ready to move on to a new and exciting chapter in your life.As you prepare for the coming changes, check out the Life Advice sections Moving and Buying a Home to aid you in this transition. For More Information 100 Questions Every Home Seller Should Ask Ilyce R. Glink, Times Books $14 Life Advice price $11.20 Call 1-800-793-2665 to order and mention reference number 032-02. Price and availability subject to change without notice. The American Bar Association Family Legal Guide Times Books$34.50 Life Advice price $28 Call 1-800-793-2665 to order and mention reference number 032-04. Price andavailability subject to change without notice. How to Sell Your Home in 5 Days William G. Effros, Workman Publishing $14.95 Life Advice price $8.97 The Consumer Bible, 1001 Ways to Shop Smart Mark Green, Workman Publishing $14.95 Life Advice price $8.97 Tips and Traps When Selling a Home Robert Irwin, McGraw-Hill $12.95 PAMPHLETS FROM THE FEDERAL GOVERNMENT The quarterly Consumer Information Center Catalog lists more than 200 helpful federal publications. For your free copy write Consumer Information Catalog, Pueblo, CO 81009, call 1-888/8-PUEBLO, or find the catalog on the Net at www.pueblo.gsa.gov . A Home for You and Your Family Publication Series, North Carolina Cooperative Extension Service, Housing & House Furnishings, Box 7605, Raleigh, NC, 27695-7605 (single copies free). Also contact the Extension Service office listed in the white pages of your phone book. Related Life Advice pamphlets See the following related Life Advice pamphlets: Buying a Home, Moving, Home Improvement, Homeowners Insurance, Renting an Apartment, Enjoying Retirement and When Your Children Leave the Nest. Helpful Links HomeWEB You'll find consumer information on selling a home from this comprehensive real estate and relocation source. Topics include info on real estate agents, marketing your home, financing & mortgages, sales contracts, pricing your home and more. Basically, this is a great place to start, if you're thinking about selling your home. Audrie's Advice Audrie provides a complete check-list for selling your home without an agent and thereby retaining all the profit for yourself. SellYourHomeYourself.com SellYourHomeYourself.Com is a unique site that helps the For Sale By Owner seller save money. On this FSBO web site you'll find all the resources you need to sell a home yourself. * Because the content of newsgroups and Websites changes constantly, it is impossible for us to review it all. We are not responsible for the content of any of the above links. Return to Federal Citizen Information Center Home Page Printer-friendly page --
Home Loans, Inc. and
countrywide careers : careers at countrywide careers faq | site map career paths diversity philanthropy Job Function - All Functions Accounting Administrative/Clerical Audit Banking Compliance/Legal Consulting Services Credit Risk Management CU Program Customer Service Education/Training Facilities Finance Human Resources Information Technology Insurance Loan Origination Marketing & PR Mortgage Processing Mortgage Servicing Other Purchasing/Procurement Risk Management Securities/Trading Strategic Planning Title/Escrow/Appraisal Underwriting State - All States AK AL AR AZ CA CO CT DC DE es FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC TN TX UT VA WA WI WV WY Countrywide's state-of-the-art facility in Chandler, Arizona is now open. To explore the wide variety of available positions, click here. We are coming to Tampa! Click here to learn more about future employment opportunities. careers at countrywide Saying that you’re a “mover and shaker” and being one are two very different things. At Countrywide, we have never been satisfied with the status quo. Since 1969, we have helped millions of American families realize the dream of home ownership. We have expanded to become a highly diversified global financial services provider, as well as a member of the S&P 500, Forbes 500 and Fortune 500. Of course, we were honored when Fortune magazine named Countrywide one of the most admired and fastest growing companies in America*. Even more important to us is the fact that, through our One Trillion Dollar Challenge , Countrywide is playing a leading role in ensuring that the dream of homeownership is attainable by everyone. See it all for yourself as you surf our site. You’ll discover we’re experts at finding solutions for our customers. We’re committed to being the Employer of Choice. We’re on a never-ending quest for innovation and excellence. Are you? Then it’s definitely your move. Countrywide is committed to leveraging the talent of a diverse workforce to create great opportunities for our business and our people. EOE. M/F/D/V. *Fortune, September 2004 Countrywide Home Loans, Inc. and Countrywide Bank, N.A., are Equal Housing Lenders. © 2005 Countrywide Financial Corporation. Trade/servicemarks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. Countrywide is committed to leveraging the talent of a diverse workforce to create great opportunities for our business and our people. EOE. M/F/D/V. privacy & security | licenses & registrations
Real Estate Agent! --
Find a Real Estate Agent Real Estate Agent Home faq contact sitemap Home Buy a Home Sell a Home Directory Glossary FAQ Contact Us Dec 29,2005 Find a Real Estate Agent! -- Whether you're planning on buying or selling a home, choosing the right Real Estate Agent is one of the most important decisions youll make. Let Real Estate Agent.com help. Please enter in your zip code of interest below or browse our city and county directory to find a local real estate agent. Buy a Home Enter Your Zip Code of Interest: Sell a Home Enter Your Zip Code of Interest: You can also browse our Directory to find a Real Estate Agent in your State, County, and/or City. Real Estate Agent .com is one of the fastest growing directories of Real Estate Agents on the Internet, so if you are unable to find an agent in your area, contact us and we will find an agent to contact you shortly! Advanced Search Buy a Home Sell a Home City OR County State 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 Why Use A Real Estate Agent? When selling a home , a real estate agent can be an indispensable resource. Real estate agents can give you up-to-date information regarding prices, financing, terms and conditions of competing properties, and information about the housing market in general. A real estate agent will market your property to other real estate agents as well as to the public, and will know the best way to go about doing so. A real estate agent can also help you objectively evaluate buyer proposals, and then, finally, help you close the sale. In fact, a 2002 study on Home Sellers reports that the median sales price of an agent-assisted home was 27% higher than one sold "by owner". When buying a home , having the assistance of a real estate agent can be equally as important. Real estate agents have access to resources for assisting you in your home search not available elsewhere. A real estate agent can also provide you objective information about each property, and give you advice based on years of experience. A real estate agent will help you negotiate and also steer you through the closing process to make sure everything goes smoothly. We understand how difficult it can be to buy a home for your family or to sell your home on today's real estate market. We aim to build the bridges between people like you and your local real estate agent professional to ensure that you receive the help you need on a one on one basis. Down payment on a home will be 3% or more, depending on the type of financing you get. 5 Most Popular Questions How big is an acre? Why should I use a real estate agent? What is equity? What is a REALTOR? What is comprehensive homeowners insurance? Mortgage Calculator Real Estate Investment Software Moving Supplies Advertise Link Exchange About Us Testimonials Contact Us Links RealEstateAgent.com 2003 - 2005 Privacy Policy Terms Of Use Client Login Developed by Volico Web Consulting RealEstateAgent.com is a method of advertising for Real Estate Agents and Agencies. In no way is RealEstateAgent.com responsible for the services provided by the advertisers on this site, nor can it be held liable for any damages resulting from the services, contracts, or deals resulting from agents found within this site. Please view our Disclaimer for more details.
Home Loan Bank of
FHLBank Atlanta Login | News | Careers | Events | Site Map | Contact Us * Learn More * Member Login * FAQs * Learn More * Approved PFIs * View Pricing * 2006 AHP Announcement * 2006 AHP Updates * CIS Sponsor Login * Sponsor Registration Highlights from the Bank Bank Declares 4.60 Dividend The board of directors of the Federal Home Loan Bank of Atlanta has approved an annualized dividend rate of 4.60 percent. Readmore Historical Interest Rates Now on FHLBAccess All FHLBank interest rates are available on FHLBAccess, the Banks online, members-onlysystem. In early 2006, current and historical interest rates will no longer beavailable on the Bank's public website. Readmore Learn More About Funding In Key West FHLBank representatives will be presenting at the Southeastern Conference of Community Bankers on Jan. 27, 2005. They will be describing innovative ways to fund your loan growth. Read more New Forms for EDP\CIP Advances Available The Bank has revised the application and supporting documentation for the Community Investment and Economic Development advance programs. New forms are in effect immediately and can be downloaded from our website. View EDP forms View CIP forms First-time Homebuyer Funds Still Available The Bank has nearly $200,000 of matching funds available for member financialinstitutions that are working with first-time homebuyers who need down paymentor closing cost assistance. Read more November BankTalk and HillTalk Available Get the details behind structured repos, streamline securities safekeeping and wire transfers with FHLBAccess, and learn how the Banks Community Investment Program can help you save money. Read more Structured Repo Discussion The Expander Advance Member Products and Services Guide Capital Plan Reference Contact List COLLATERAL CVR Fee Schedule Webinar Recording Eligibility Qualifying Collateral Reports (QCRs) Verifications Government & Industry Relations Legislative Action Center HillNet: Grassroots Advocacy Program Terms and Conditions | Member Privacy Statement | General Privacy Policy © 2005, Federal Home Loan Bank of Atlanta. All Rights Reserved. Atlanta, GA, 30309; 1.800.536.9650.