House Rental 1-4 People
Vacation Lake House For Rent "The Best Kept Secret in Texas" Lake Rental Houses Breathtaking view from Silver Creek Resort If you are looking for a weekend retreat or a vacation on the lake, look no further. Our lake houses, located on the shore of beautiful Lake Buchanan in Silver Creek Resort, have everything you need for that perfect vacation. We have something for everyone: 2 lake rental houses that sleep up to 12 people each, and 9 lodges/cabins . We also have a swimming pool, fishing pier, boat rentals , houseboat rental , fishing guide service, fishing supplies, and gas on the water. Rent a Brand New Polaris Personal Watercraft and tour the lake. Spectacular boating, water skiing, jet skiing, and fishing on miles and miles of uncrowded open water make Silver Creek an ideal vacation spot for the whole family. Silver Creek Resort is on a peninsula and offers outstanding lake views in three directions. You can enjoy both spectacular sunrises and sunsets from our location. We can accommodate large groups for the weekend, week, or month. We have two lake houses for rent at Silver Creek, our Lake House and our Upstairs Lake House. Our Lake House: We rent a 2 bedroom, 3 bath lake house for your large group convenience. The two double beds in each bedroom and the two double sleeper sofas in the living room sleep up to 12 people comfortably. The lake house features an 8 1/2 X 3' bar separating the kitchen and living room. The covered front porch looks out to our grounds and the lake beyond. Views from the Lake House at Silver Creek Resort Living Room, Dining Area and Kitchen Living Room and A Bedroom The vacation lake house is also a great meeting room for small groups or businesses. If you are looking for a quiet, scenic place to have your next meeting or seminar, give us a call. Our Upstairs Lake House: We also have an upstairs lake house with one bedroom, two baths, and a full kitchen. It can also sleep up to 12 people. The upstairs house has a private 600 square foot deck with the best view on the lake. View from the deck and from inside the Upstairs Lake House Silver Creek Resort Pricing Number of Guests Weekday Rate Sun.-Thurs. Weekend Rate Fri. & Sat. Lake House Rental 1-4 People $160 per night $170 per night Upstairs Lake House 1-12 People $250 per night $250 per night Additional Guests - Add $7.50 per night for each person over four people on the Lake House, no extra charge for extra people on the Upstairs Lake House. Children Under Age 11 Stay Free Weekly rates are available during fall (Oct. & Nov.) and spring (Mar. & Apr.) Monthly rates are available during winter (Dec., Jan., Feb., & Mar.) All rates are subject to change without notification until verified. Please call for reservations. Additional Information: To make your stay as much fun and as comfortable as possible, John Pringle and "Max", the Resort Cat, provide 24 hour on site management. Well behaved pets are welcome for a small fee. Call for special weekly rates and winter monthly rates. We accept all major credit cards. Amenities of Silver Creek Resort: Click Here Things to do in the area: Click Here Winter Texans - Don't miss out. Call now for reservations. We are also booking 7-day stays (Sunday to Sunday) for summer 2002. Directions to Silver Creek Resort: Go 3 miles west of Burnet on Hwy 29. Turn north onto RR 2341. Go 12 miles. Turn left on CR 128 (Silver Creek Drive). At the Y go left. You will see our sign. "The Best Kept Secret in Texas" On Beautiful Lake Buchanan 512-756-4854 1400 CR 128 Burnet, Texas 78611 www.highlandlakes.com/silver Owner: Gary Haberer Manager: John Pringle 24 Hour On Site Management Cabin Rentals | Boat Rentals | Houseboat Rentals Amenities | Things to Do in the Area Wilderness Adventure | Home Page Silver Creek Resort has cabins for rent, a lakehouse for rent, RV spaces, RV park, rental boats, jet skis, Seadoos, fishing guideservice, houseboat rental, marina, fishing pier, lake rental house, vacation house,fishing house, and more. Check out our rental boats and houseboat. Spend thenight in our house boat. Need a fishing guide, call us. We have cabins andcottages on Lake Buchanan.
Real Estate Broker
Real-Estate-Agents.com: Directory of Agents in US / Canada Real-Estate-Agents.com Find Real Estate Agents in the US and Canada HOME || Contact Us Directory of Real Estate Agents This site is a "no bells, no whistles" directory of links to real estate agents in the US and Canada. Somewhere in here is the house or property of your dreams! It's our goal to list more agents than any other directory, both residential or commercial. If you know an agent who would like to be added, please navigate to the regional listings and look for the "Add your Agency" link near the bottom of the page. We hope our listings help your real estate search, but please note that local real estate agents we list are responsible for their own websites and their own business practices. REAL ESTATE AGENTS: UNITED STATES Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware D.C. 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 Tips and Articles REAL ESTATE AGENTS: CANADA Alberta British Columbia Manitoba New Brunswick Newfoundland Nunavut NWT Yukon Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan REAL ESTATE AGENTS: OTHER Europe Other Areas BACK to TOP Shopping | Privacy | Contact Us
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
Land Loans :: Unimproved
Unimproved Property / Land Loans / Mortgages/Equity Loans / Loans / Accounts & Services / Wishing You a Prosperous 2006! - Florida Commerce Credit Union Search: Accounts & Services Account Disclosures Loans Deposit Accounts Rates Credit Cards Vehicle Services Safe Deposit Boxes About Us Contact Us News Locations Employment Board of Directors Frequently Asked Questions (FAQ) FCCU Annual Reports Privacy Notice and Disclosure Credit Union Philosophy History Membership Information Watch out for email scams! REPORT FRAUDULENT EMAILS FCCU Newsletters Promotions VISA Gift Cards On-Sale! FREE LUNCH for your office HOLIDAY Refer a friend campaign Events Member Resources Account Resources Technology and Security Center Calculators Consumer Education Mortgage Resources Other Helpful Resources Forms FCCU Facts Vehicle Services Mechanical Breakdown Coverage Vehicle Lending, Finance & Insurance Services Online New Car & Truck Research and Price Quotes (CarSmart) Verify your collateral insurance on-line Apply for a Loan Online Accounts & Services Account Disclosures Loans Student Loan Info Frequently Asked Questions Glossary for Financial Aid and Student Loan Student- High School Planning Guide Parents- High School Planning Guide FAFSA Completion Tips Apply for a loan Auto and Other Loans Personal Loans Auto Loans Mortgages/Equity Loans Deposit Accounts Sammy Squirrel Kids Club Investment MMAs IRAs CDs Small Business Accounts Personal Accounts Checking Accounts Savings Accounts Rates Credit Cards Vehicle Services Safe Deposit Boxes -- Home :: Accounts & Services :: Loans :: Mortgages/Equity Loans :: Land Loans :: Unimproved Property Rate Terms 8.1% - 12.6% 5 years or less 8.45% - 12.95% 5 to 10 years 9.1% - 13.6% 10 to 15 years Home | CommNet Home | iBranch! New User Instructions | Accounts & Services | About Us | Promotions | Member Resources | Vehicle Services Return to Home Page Print View Site Map Search Email This Link 2005 Florida Commerce Credit Union | 800.533.5772
Colorado Real Estate Commission
1 Colorado Real Estate license school 100% State Approved Internet Courses!* Real Estate & Appraisal License Programs for all states* Continuing Education Courses! * National Exam Prep Program! * Free CD Backups! * Since 1969 - Our 36th Year of Service! * Mandatory Colorado Annual Commission Update Course on line! * Free Demos! * Enroll Online! - Start Anytime! Learn Real Estate and Appraisal at Home! Call 1-866-311-RETC (7382) Now! 3225 South Wadsworth Blvd., Suite 'S' Lakewood, CO 80227-5009 Contact us! On line courses available for all States! Already a Student? Log in here! HELP WANTED!!! Link up with us! Next Drawing and Winners Colorado Real Estate Commission NEW! Fingerprint Information Don't Wait!!! 2005 Commission Update Expires December 31st!! We Get Letters Helpful Links Dare to Compare! WE INCLUDE ALL OF THE FOLLOWING 168 Hour Broker Program * All State required courses * Extensive Exam Prep * 100% online with backup CD Interactive Real Estate Dictionary * Over 2100 terms * 6 ways to study R E Terminology Unlimited practice tests * Over 2157 interactive questions * Complete answer references * Instant grading and review of all tests Assured Passing Plan * Live Exam Prep * Live instructor and/or Email support * Toll Free student help lines Set your own class schedule * 6 months to complete * Study anywhere, anytime * Free use of our computers for study Unlimited referral bonuses Free Catalog Free Documents Statewide locations ~ After hours student representative availability ~ Optional textbooks (additional charge) "the innovators in home study education" Approved and regulated by the Colorado Division of Private Occupational Schools, Board of Higher Education, Real Estate Commission, and Board of Real Estate Appraisers. Instructors' qualifications have been credentialed by the Vocational Credential Office, Colorado State University. Our Appraisal Programs/Courses are offered in conjunction with Aims Community College .