Land For Sale

Cottage LINK Land Lots and Acreages for Sale -- -- -- Land/Lots for Sale Click on the Cottage of your choice for more details and photos! Jump to... Prince Edward Island Nova Scotia Quebec British Columbia Ontario - Northwest Ontario - Near North Ontario - Parry Sound/Muskoka/Haliburton Ontario - East/Rideau/Lake Ontario Ontario - Lake Huron and Bruce Peninsula Ontario - Central/Lake Simcoe/South Georgian Bay         Newfoundland New Brunswick Alberta USA - Florida Ontario - Kawarthas Ontario - Lake Erie and Niagara -- -- Newfoundland and Labrador Property/Location Price Sheffield Lake $56,900 -- Prince Edward Island Property/Location Price Darnley Shore Estates Various 1-acre lots near Grand Tracadie $10,500 Bothwell overlooking Northumberland Strait $16,500 Wild Duck Cove and Garden Shore Road Cottage Lots From $17,900 -- Panmure Island Lots from $25,000 Northumberland Strait/Chelton Beach $30,000 Colville Bay near Souris $55,000 French Village near Savage Harbour $65,000 North Lake (Gulf of St. Lawrence) $79,000 Charlottetown Area Waterfront $250,000 -- Nova Scotia Property/Location Price Minas Basin (Bay of Fundy) $25,000 8-Acre Building Lot $55,000 Lac Pic - 24 Acres, 590' Waterfront $79,000 55 Acres on Ricker Lake $129,000 New Brunswick Property/Location Price -- Quebec Property/Location Price Gatineau Hills Nature Park From $15,000 Lac Williams Lots from $22,000 Alberta Property/Location Price Crowsnest River near Blairemore $89,500 -- British Columbia Property/Location Price Barkley Sound Oceanfront - Island Property $125,100 Barkley Sound Oceanfront - Island Property $130,000 Barkley Sound Oceanfront - Island Property $134,100 Barkley Sound Oceanfront - Island Property $136,800 Ontario - Northwest Property/Location Price Dog Lake-Missanabie US $40,000 Ontario - Near North Property/Location Price Lake Robillard $35,000 21.7 Acres on House Lake near Kirkland Lake $39,900 41 Acres on House Lake near Kirkland Lake $39,900 75 Acres on Private Yarrow Lake $59,900 Quirke Lake near Elliot Lake $42,500 West Bay on Lake Nipissing $1,250,000 Ontario - Parry Sound/Muskokas/Haliburton Property/Location Price Muskoka River $59,000 Snake Lake near Parry Sound $129,000 Gooderham Lake near Haliburton $179,000 Horseshoe Lake, Parry Sound $230,000 Georgian Bay near Pointe au Baril $259,000 Perry Lake near Huntsville $309,000 Georgian Bay Island, Pointe Au Baril $650,000 Lake Muskoka, 300 Feet of Lake Frontage $1,850,000 200 Acres Near Hunstville $1,875,000 -- Ontario - Kawarthas Property/Location Price Stoney Lake $275,000 -- Ontario - East/Rideau/Lake Ontario Property/Location Price Big Clear Lake near Arden $45,000 Petawawa River, Ottawa Valley From $59,000 Tay River near Perth $59,000 Wood's Lake near Plevna $550,000 Ontario - Lake Huron and Bruce Peninsula Property/Location Price Miller Lake Area Building Lot $39,000 Lake Manitou, Manitoulin Island $86,900 Lake Huron Water View $150,000 Shouldice Lake near Tobermory $279,000 Ontario - Central/Lake Simcoe/South Georgian Bay Property/Location Price Talbot River Waterfront $85,000 The Rapids at Marchmont Near Orillia From $199,000 Ontario - Lake Erie and Niagara Property/Location Price -- USA - Florida Property/Location Price -- Return to the CottageLINK Home Page.

Real Estate Prices This

The Scoop » Chicago Real Estate Prices -- Home About Projects The Fix Tags The Scoop Derek Willis’ weblog on investigative and computer-assisted reporting. Your Host Hi, I'm Derek , CAR geek, IRE member and Apple user. This is the permanent link for the entry Chicago Real Estate Prices This post has been tagged as Illinois . Related entries: Rock River Valley Sales Tax Receipts Illinois Government Pensions Crime Inc. Still separate, unequal Illinois Pork Spending Towards Crisis Chicago School Fire Violations Illinois Air National Guard Training Chicago Payback Illinois School Days Unpaid Fines Unused Transit Passes Drunk Driving Boys and Girls Chicago School Integration Illinois Speeders Chicago's Middle Class Chicago Park Lands Public Credit Card, Private Expenses Preserving Politicians Hidden Donations to Cook County Sheriff Unused Sick Days Chicago's Do-Nothing Trucks Illinois' Moving Property Hospital Insurance Policy All About Acevedo Madison County Asbestos Litigation Illinois Judicial Campaign Money Blago Donors Get State Jobs Cook County Forest Preserve Housing Illinois Securities Fraud Settlement Chicago Contracting Illini Hoop Tickets Chicago Recycling Chicago School Sex Offenders Cook County Overtime Illinois Nursing Home Sex Offenders Illinois Congressional Travel Chicago Subsidized Housing Illinois School Employees Chicago Hispanic Democratic Organization Illinois School Discipline Illinois Traffic Stops "Massive fraud" in Chicago city hiring Illinois Engineering Donors Illinois Crime Statistics Peoria Siren Warning System Chicago Mortgage Fraud Chicago Vacant Land Deals Northwest Indiana Crime Rates The Mercury Menace Categories Apple (12) Asides (129) Broadcast (37) Car Tools (60) Data (97) DIY (361) Fed Data (318) FOIA (198) IRE (22) Journalism (95) Local Data (379) Mapping (51) Miscellany (49) NonGov Data (30) Online (16) Paper Trail (653) Public Records (78) Python (25) Social Network Analysis (2) State Data (524) XML (34) September 2005 M T W T F S S « Aug Oct » 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 « Peoria Siren Warning System Brevard County Disaster Planning » Chicago Real Estate Prices Posted on Friday, September 16th, 2005 at 4:31 pm. Filed Under NonGov Data . Mary Umberger, Geoff Dougherty, Sharon Stangenes, John Handley and Wayne Faulkner of the Chicago Tribune used local property data from the Chicago Association of Realtors to show that “ property on the South Side and in the south suburbs is hot , with price appreciation in the year ended June 30 exceeding the 10-year average annual price growth in many metro neighborhoods and towns. At the same time, however, one-fourth of 319 Chicago-area communities saw home appreciation drop below their 10-year annual averages.” No responses to 'Chicago Real Estate Prices'. RSS feed for comments and Trackback URI for 'Chicago Real Estate Prices'. Leave a Comment Name (required) Mail (will not be published) (required) Website Choose from Full RSS or comments RSS feeds. XHTML sometimes validates, whilst CSS should also validate. -- The Scoop is powered by WordPress 1.5.1.3 and delivered to you in 0.711 seconds. Design by Matthew . Administrator login and new user registration .

Real Estate Broker Code

DRL - Real Estate Broker Home Login About DRL Site Map Contact DRL FAQ Business Professions Health Professions All Boards Definition Download Help Duplicate License Education FAQs Fees Forms Practice FAQs Obtain License Organizations Renew Online Rules Statutes Verifications What's New Real Estate Broker Code Book A real estate broker is an individual who: a. For another, and for commission, money or other thing of value, negotiates or offers or attempts to negotiate a sale, exchange, purchase or rental of an interest or estate in real estate; b. Is engaged wholly or in part in the business of selling real estate to the extent that a pattern of real estate sales is established, whether or not such real estate is owned by such person. Five sales in one year or 10 sales in 5 years is presumptive evidence of a pattern of sales. c. For another and for commission, money or other thing of value, negotiates or offers or attempts to negotiate a sale, exchange, purchase or rental of any business, its goodwill, inventory, fixtures or an interest therein; or d. Is engaged wholly or in part in the business of selling business opportunities or goodwill of an existing business or is engaged wholly or in part in the business of buying and selling, exchanging or renting of any business, its goodwill, inventory, fixtures or an interest therein. e. For another, and for commission, money or other thing of value, negotiates or offers or attempts to negotiate a sale, exchange or purchase of a time share. f. Is engaged wholly or in part in the business of selling time shares to the extent that a pattern of sales is established, whether or not the time shares are owned by such person. g. For another, and for a commission, money or other thing of value, promotes the sale, exchange, purchase, option, rental or leasing of real estate or business opportunities. This paragraph does not apply to a person who only publishes or disseminates verbatim information provided by another person. For exceptions to the above, see s. 452.01(3), Wis. Stats. No person may engage in or follow the business or occupation of, or advertise or hold himself or herself out as, or act temporarily or otherwise as a broker without a Wisconsin real estate brokers license. The purpose of licensure is to ensure that only qualified people handle real estate transactions and supervise licensed salespersons in Wisconsin. It ensures proper listing, selling, buying, exchanging, leasing or renting of real property or a business opportunity. Last updated: Wednesday, January 7, 2004 Wisconsin Department of Regulation & Licensing. All Rights Reserved. If you have suggestions about how to improve our website, contact our webmaster . Disclaimer | Privacy Statement

Home Equity

Cash in your home - Equity release schemes from channel4.com/4Money E4 More4 FilmFour FourDocs TV Listings Site A-Z NEWS FILM HOMES LIFE ENTERTAINMENT HISTORY SCIENCE COMMUNITY SHOP SPORT CULTURE CARS MONEY VIDEO LEARNING HEALTH MUSIC GAMES Home On TV Compare & Buy Mortgages & Homebuying Smart Money Banking & Saving Borrowing & Spending Insurance Tax & Pensions Funny Money Forum Latest features Mortgages and homebuying features Special features Guide to renting & letting Homebuying guides Property buying Property selling Remortgage How much can I borrow Conveyancing What mortgage type Flexible mortgage Choose an interest rate type Decide a repayment method Cut your bills Gas & electricity Home phone Digital TV Mobile phone Broadband Top tools Mortgage calculator Overpayment calculator Stamp duty calculator Payments calculator Money jargon A-Z Compare and Buy 400 Loans 300 Credit Cards 7000 Mortgages 1000 Saving Accounts 300 Current Accounts Subject to Moneysupermarket .com Terms Money Books Latest personal finance books Share money tips Share your money tips Cash in your home - Equity release schemes next Older homeowners who struggle on the State Pension are also living in properties which have soared in value in recent years. Sarah Jagger looks at how you can unlock the value in your home. With the average house price in England and Wales now standing at £151,467, according to Halifax figures, people may be not be aware of the true value of their home. One of the simplest ways to release equity – the difference between what you owe on a mortgage and the value of your home - is to sell it and buy a smaller, cheaper property. This isn’t always practical or acceptable though. There are lenders who will advance mortgages to older customers, including the Norwich & Peterborough, Nationwide and Halifax. However, once people reach retirement they might find it difficult to keep up monthly payments, and could be worried about what would happen if one partner died. Equity release plans, also known as home reversion or home income plans or, increasingly, lifetime mortgages –are a way of unlocking this equity or wealth, whether to buy a new car, to pay for a holiday or home improvements, or simply to make day-to-day ends meet. These schemes essentially allow you to borrow money against the value of your home, with the debt being repaid from the sale proceeds after your death. Next: How equity release schemes work and the types available next About C4 | Jobs | Text Only | Access Advice | Contact Us | Terms and Conditions | Privacy | Help | Online Ad Sales

home equity loan or

FRB: Putting Your Home on the Loan Line Is Risky Business ESPAÑOL Are you in need of cash? Do you want to consolidate your debts? Are you receiving home equity loan or refinancing offers that seem too good to be true? Does your home need repairs that contractors tell you can be easily financed? If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer. But not all loans and lenders are the same--you should shop around. The cost of doing business with high-cost lenders can be excessive and, sometimes, downright abusive. For example, certain lenders--often called "predatory lenders"--target homeowners who have low incomes or credit problems or who are elderly by deceiving them about loan terms or giving them loans they cannot afford to repay. Borrowing from an unscrupulous lender, especially one who offers you a high-cost loan using your home as security, is risky business. You could lose your home and your money. Before you sign on the line, Think about your options Do your homework Think twice before you sign Know that you have rights under the law Think about Your Options If you’re having money problems, consider these options before you put your home on the loan line. Talk with your creditors or with representatives of non-profit or other reputable credit or budget counseling organizations to work out a plan that reduces your bill payments to a more manageable level. Contact your local social service agency, community or religious groups, and local or state housing agencies. They may have programs that help consumers, including the elderly and those with disabilities, with energy bills, home repairs, or other emergency needs. Contact a local housing counseling agency to discuss your needs. Call the U.S. Department of Housing and Urban Development toll-free at 800-569-4287 or visit www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm to find a center near you. Talk with someone other than the lender or broker offering the loan who is knowledgeable and you trust before making any decisions. Remember, if you decide to get a home equity loan and can’t make the payments, the lender could foreclose and you would lose your home. If you decide a loan is right for you, talk with several lenders, including at least one bank, savings and loan, or credit union in your community. Their loans may cost less than loans from finance companies. And don’t assume that if you’re on a fixed income or have credit problems, you won’t qualify for a loan from a bank, savings and loan, or credit union--they may have the loan you want! Do Your Homework Contact several lenders--and be very careful about dealing with a lender who just appears at your door, calls you, or sends you mail. Ask friends and family for recommendations of lenders. Talk with banks, savings and loans, credit unions, and other lenders. If you choose to use a mortgage broker, remember they arrange loans but most do not lend directly. Compare their offers with those of other direct lenders. Be wary of home repair contractors that offer to arrange financing. You should still talk with other lenders to make sure you get the best deal. You may want to have the loan proceeds sent directly to you, not the contractor. Comparison shop. Comparing loan plans can help you get a better deal. Whether you begin your shopping by reading ads in your local newspapers, searching on the Internet, or looking in the phone book, ask lenders to explain the best loan plans they have for you. Beware of loan terms and conditions that may mean higher costs for you. Get answers to these questions and use the worksheet to compare loan plans: Interest Rate and Payments What are the monthly payments? Ask yourself if you can afford them. What is the annual percentage rate (APR) on the loan? The APR is the cost of credit, expressed as a yearly rate. You can use the APR to compare one loan with another. Will the interest rate change during the life of the loan? If so, when, how often, and by how much? Term of Loan How many years will you have to repay the loan? Is this a loan or a line of credit? A loan is for a fixed amount of money for a specific period of time; a line of credit is an amount of money you can draw as you need it. Is there a balloon payment--a large single payment at the end of the loan term after a series of low monthly payments? When the balloon payment is due, you must pay the entire amount. Points and Fees What will you have to pay in points and fees? One point equals 1 percent of the loan amount (1 point on a $10,000 loan is $100). Generally, the higher the points, the lower the interest rate. If points and fees are more than 5 percent of the loan amount, ask why. Traditional financial institutions normally charge between 1 and 3 percent of the loan amount in points and fees. Are any of the application fees refundable if you don’t get the loan? How and how much will the the lender or broker be paid? Lenders and brokers may charge points or fees that you must pay at closing or add on to the cost of your loan, or both. Penalties What is the penalty for late or missed payments? What is the penalty if you pay off or refinance the loan early (that is, is there a pre-payment penalty)? Credit Insurance Does the loan package include optional credit insurance, such as credit life, disability, or unemployment insurance? Depending on the type of policy, credit insurance can cover some or all of your payments if you can't make them. Understand that you don’t have to buy optional credit insurance--that’s why it’s called “optional.” Don’t buy insurance you don’t need. Credit insurance may be a bad deal for you, especially if the premiums are collected up-front at the closing and financed as part of the loan. If you want optional credit insurance, ask if you can pay for it on a monthly basis after the loan is approved and closed. With monthly insurance premiums, you don't pay interest and you can decide to cancel if the premiums are too high or if you believe you no longer want the insurance. After you have answers to these questions, start negotiating with more than one lender. Don’t be afraid to make lenders and brokers compete for your business by letting them know you are shopping for the best deal. Ask each lender to lower the points, fees, or interest rate. And ask each to meet--or beat--the terms of the other lenders. Once You’ve Selected a Lender, Get the Following A “Good Faith Estimate” of all loan charges. The estimate must be sent within 3 days of applying. Blank copies of the forms you’ll sign at closing, when the loan is final. Study them. If you don’t understand something, ask for an explanation. Advance copies of the forms you’ll sign at closing with the terms filled in. A week or two before closing, contact the lender to find out if there have been any changes in the Good Faith Estimate. By law, you can inspect the final settlement statement (also called the HUD-1 or HUD-1A form) one day prior to closing. Study these forms. Write down any questions you want to ask. Think Twice before You Sign Have a knowledgeable friend, relative, attorney, or housing counselor review the Good Faith Estimate and other loan papers before you sign the loan contract. Be sure the terms are the same ones you agreed to. For example, a lender should not promise one APR and then--without good reason--increase it at closing. Refer to the list of questions you’ve written down. Ask where these terms are covered in the loan contract. And ask for an explanation of any dollar amount or term you don’t understand. Don’t let anyone rush you into signing the loan contract. Make sure all promises, oral and otherwise, are put in writing. It’s only what’s in writing that counts. Get a copy of the documents you signed before you leave the closing. Don’t Sign on the Dotted Line if the Lender … Tells you to falsify information on the loan application (for example, suggests that you write down more income than you really have). Pressures you into applying for a loan for more money than you need, or one that has monthly payments larger than you can afford. Promises one set of terms but gives you another with no good reason for the change. Tells you to sign blank forms or forms that aren't completely filled in. If an item is supposed to be blank, draw a line through the space and initial it. Pressures you to sign today. A good deal today should be available tomorrow. Know that You Have Rights under the Law You Have 3 Business Days to Cancel the Loan If you're using your home as security for a home equity loan (or for a second mortgage loan or a line of credit), federal law gives you 3 business days after signing the loan papers to cancel the deal--for any reason--without penalty. You must cancel in writing. The lender must return any money you have paid to date. Do You Think You've Made a Mistake? Has the 3-day period during which you may cancel passed and you're worried that you've gotten in over your head? Do you think your loan fees were too high? Do you believe you were steered into monthly payments you can't afford? Has your lender repeatedly pressured you to refinance? Is your loan covered by insurance you don't need or want? If you think you've been taken advantage of, state and federal laws may protect you. Also, the following organizations may be able to help: Your local or state bar association--sometimes listed under "Lawyers Referral Service" in the Yellow Pages of your phone book. The association may be able to refer you to low-cost or no-cost lawyers who can help. Your local consumer protection agency, state attorney general’s office, or state office on aging, listed in the Blue Pages of your phone book. Your local fair housing group or affordable housing agency, housing counseling agency, or state housing agency. You can learn more about credit and home equity loans by visiting the federal government’s web site for consumers, www.consumer.gov (see the Home and Community section). If you don’t have access to the Internet, ask a friend or relative to get the information for you. Or visit your local library or senior center, which may offer you free access to the Internet on their computers. For More Information State Banks that Are Members of the Federal Reserve System Division of Consumer and Community Affairs Mail Stop 801 Federal Reserve Board Washington, DC 20551 (202) 452-3693 www.federalreserve.gov Federally Insured State Non-Member Banks and Savings Banks Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard, Suite 100 Kansas City, Missouri 64108 (877) 275-3342 www.fdic.gov National Banks and National Bank-Owned Mortgage Companies Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street Suite 3450 Houston, TX 77010 (800) 613-6743 www.occ.treas.gov Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks Office of Thrift Supervision Consumer Programs 1700 G Street, N.W., 6th Floor Washington, DC 20552 (800) 842-6929 www.ots.treas.gov Federal Credit Unions National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke Street Alexandria, VA 22314 (703) 518-6330 www.ncua.gov For state-chartered credit unions, contact your state's regulatory agency. Mortgage Companies and Other Lenders Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, DC 20580 (877) FTC-HELP (877-382-4357, toll free) www.ftc.gov Other Information Sources U.S. Department of Justice Civil Rights Division 950 Pennsylvania Ave., N.W. Housing and Civil Enforcement Section, NWB Washington, DC 20580 (202) 514-4713 www.usdoj.gov/crt/housing/index.html Federal Housing Finance Board 1777 F Street, N.W. Washington, DC 20006 (202) 408-2500 www.fhfb.gov Department of Housing and Urban Development 451 7th Street, S.W. Washington, DC 20410 800-669-9777 (voice) 800-927-9275 (TTY) www.hud.gov Office of Federal Housing Enterprise Oversight (OFHEO) 1700 G Street, N.W. 4th Floor Washington, DC 20552 (202) 414-6922 www.ofheo.gov Adobe acrobat version of text for printing (119 KB PDF) is formatted for printing on two sides of a 11 x 17" sheet of paper. Fold the paper in half. The PDF contains a fillable area on the back panel for you to provide your own contact information. Worksheet for printing (58 KB PDF) Obtaining the Acrobat Reader from the Adobe Web Site This information was prepared by the following federal agencies: Department of Housing and Urban Development, Department of Justice, Federal Deposit Insurance Corporation, Federal Housing Finance Board, Federal Reserve Board, Federal Trade Commission, National Credit Union Administration, Office of Federal Housing Enterprise Oversight, Office of the Comptroller of the Currency, Office of Thrift Supervision. Home | Brochures Accessibility | Contact us Last update: March 24, 2004