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Home Buying - Home Buying and Home Selling Advice - Buying a Home You are here: About > Home & Garden > Home Buying / Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses Search Home Buying / Selling From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Getting Ready to Sell Your House Guests and lots of activities make it difficult to show a house during the holidays, so home owners sometimes put off selling their homes until after the first week in January, when life starts returning to normal. If you're in that category take some time to evaluate the condition of your home before you list it with an agent or sell it by owner . Be sure to analyze your situation to determine if selling is your best move, then think about the home's curb appeal and get the interior and exterior in tip-top shape . It's not a bad idea to do a few inspections to make sure the house is ready for potential buyers. Handle as many tasks as you can now and you'll find that the sales process will be a breeze. Monday December 26, 2005 | permalink Before You Buy Gas Logs Gas logs are growing in popularity every year, so manufacturers have geared-up to offer us a wide selection of appliances. You'll find gas logs to put in a hearth, freestanding gas stoves, and fully contained fireplace units that are mounted to a wall. But did you know that the dangerous gas byproducts produced by gas logs is not always vented to the outside? It's important to understand the differences between vented and vent-free logs before you buy a gas log fireplace. Saturday December 24, 2005 | permalink Pros and Cons of Becoming a Real Estate Agent You've decided you want to become a real estate agent, but what's your motivation? Do you understand the type of work real estate agents do and are you savvy about the true pay they receive for their work? It can be a rewarding career choice, but it's definitely not the best option for everyone and there are lots of things to consider before you decide that a real estate career is right for you. Wednesday December 21, 2005 | permalink Step-by-Step Directions Help You Measure Square Footage Each year, home owners discover that their new home's square footage is not the figure that was stated when the house was advertised. Owners sometimes decide to sue the people who were involved in the transaction, especially if the difference is significant. Real estate agents and for sale by owner sellers can reduce their risks of encountering a lawsuit by knowing how use accepted standards to measure and calculate a home's square footage . Get it right the first time so that everyone's happy with the results. Wednesday December 21, 2005 | permalink Buying Land for Your New Home If you've looked and looked, but can't find the perfect combination of land and house, maybe it's time to consider building. And while buying land for your new home can seem intimidating at first, you'll find it really isn't a horrible task if you fine-tune your wants and needs before you start searching for real estate. Tuesday December 20, 2005 | permalink Buying a Home with Great Resale Potential A few generations ago it wasn't unusual for people to live in the same home for many years, somtimes the rest of their lives after becoming homeowners. We're more mobile today, always "moving up" to a larger house or relocating to a new town. So it makes sense to put some thought into buying a home with good resale value , one that will sell easily and put extra dollars in your bank account if you do decide to move. Tuesday December 20, 2005 | permalink What's a Quit Claim Deed? Home buyers usually receive a general warranty deed when they purchase real estate, because it's a type of deed that offers several guarantees from the seller that the title to the property is good. Another document that's sometimes used is a quit claim deed . It works perfectly for some situations, but it's important to understand the limitations of a quit claim deed before accepting one when you purchase real estate. Friday December 16, 2005 | permalink How Credit Scores Are Calculated Everyone looking for a mortgage to buy a home--and that's most of us--finds out right away that credit scores play a huge role in the types of loans and interest rates that are offered to them. It's helpful to study your credit reports and scores before you apply for a mortgage, and to do it as early as possible to give yourself time to correct errors before a lender takes a look. Wednesday December 14, 2005 | permalink Moving Tips and Timeline Buying a home is exciting, but let's face it... moving is a chore. A big one. The only way I know to get through it without an excess of stress is to manage the moving process in little steps instead of letting it overwhelm you at the last minute. Start early and stay organized and you'll be ready for the moving truck before you know it. Monday December 12, 2005 | permalink Typical Home Buyer Closing Costs Closing costs are the expenses associated with buying real estate. You can expect to pay a large chunk of your closing costs the day the trasaction is complete, when the property becomes yours, but some closing expenses are nearly always paid before that day. There's no single set of expenses that every home buyer must pay--every transaction is different--but it's a good idea to become familiar with typical closing costs so that you'll have a better understanding of the items billed to you on your HUD-1 settlement statement . Wednesday December 07, 2005 | permalink Display Latest Headlines | | | Read Archives powered by Movable Type Important disclaimer information about this About site. 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Thailand websites :: Buying and renting property in Bangkok. Welcome to www.ThaiWebsites.com - Web directory with search function for English-language websites about Thailand Menu General Directory Hotels Directory Industry & Manufacturing Consumer & Household Goods About us & More Images of Rattanakosin (the cultural center of Bangkok) Search ThaiWebsites.com: Buying and Renting Property in Thailand Buying We have gained some personal experience buying and renting property in Bangkok, though we certainly do not claim to have the skills or knowledge of a real estate agent. Possibly you will find some of the suggestions below useful. They would mainly apply to renting or buying a condominium in Bangkok. First of all, anyone can rent (we assume), but buying property has its limitations. Practically speaking, a foreigner can buy a unit in a condominium, but can not own free land (and houses). There may be ways around it like long-term leases of land, but you will need to have a long talk with a real estate agent, to figure out further details. For most people, buying a property takes a large chunk out of their assets and savings, and should be considered wisely. After being in a long slump (this was actually a good time to buy) prices have climbed up again to levels seen in the pre-economic crisis period (1997). At the same time, we have the feeling that rents are still much cheaper than they were 7-8 years ago, so the balance still tills in favor of renting a property rather than buying one. Of course, there are other factors involved, having a property of your own (that is paid off), gives some feeling of security, and you can modify your condominium to your own desires. When buying location is of course the most important factor. This is especially so when you expect to make a profit by selling it in the future, or if you want to rent it out to other persons. One important thing to remember : When buying a property, you will in general have to prove that you have brought in the money involved from abroad. Banks have special forms to fill out for this purpose. So when you bring in the money to a Thai bank, with the purpose of using it to buy property, be sure to make it clear to your bank. Personally with the experience we gained, we would advise against property that is not built yet (of course). At least in the recent past, some developments went broke, and quite a few people lost a lot of money. There is a problem of long-term maintainance with properties in Bangkok that you should be aware off. While essential repairs may well be done, overal appearance of a building may deteriorate in a few years time. We noticed that some properties are very well maintained, but others, once prime property, seem to be allowed to slide into second-class real estate. This of course will depend on the management of the building, and on the residents staying there. Yearly meetings (where you do have voting rights) will be held, but often the money needed to keep up a building, might be used for other purposes. Furthermore, you will have little control over what happens around your property. A garbage dump or a slum may develop just around the corner. Thai people seem to more easily accept this. As long as it looks all right inside the home, who cares what is going on outside? Because of the above reasons, it may be of value to assess properties that have been around for a few years. At least you will have an idea how the building is being maintained, and what to expect in the future. A Juristic Person (elected by the condominium owners) with staff will usually manage the building, with help from real estate management companies. Management of a building may often change, with as a side-effect that there is less long-term planning and management. Some persons, owning a unit in a condominium, will refuse to pay maintainance fees as long as they do not live there themselves. This of course is illegal, and reduces the money available for maintaining the building. From our experience, it is very difficult for a Juristic Person to force people to pay their dues. As for maintaince fees, they are usually charged by the month, and the amount is decided in the yearly meeting of the owners. A fee higher than 30 baht per meter per month, is possibly high, but all depends of course on the value of the property itself, and the need for important repairs. Actually, in Thailand, it looks like people can cough up quite a few million baht to buy a property, but then do not want to spend a few thousand baht a month to maintain the value of their property. If you own a property, you will also be liable to pay a property tax. The amount of this tax depends on the estimated value of the property. You should check how much you will have to pay, though the rate may go up in the future. Our experience tells us to expect between 10,000-20,000 baht a year for a two-bedroom unit. As for other costs, you usually will pay the 'real' price, or something close to it. This can make a substantial difference in electricity costs (as compared to when renting a property). We advise that besides a real estate agent, you use the services of a law office, before you make a property purchase. Renting Of course, you do not have all of the problems above, when you decide to rent a property instead. We would certainly advise to do just that, in case you do not plan to stay permanently (or most of the time) in Thailand. Unless you have a lot of experience in real estate, we would not advise to buy property with the hope to make a profit in the future by selling it. [that is, buying property for investment purposes] Most rented property in Bangkok and around Thailand, is fully furnished and equipped. Poor buildings will usually have second-grade furniture and facilities, while valued property will be luxuriously furnished and have a lot of facilities. Most middle to high class condominiums will have a nice swimming pool, a sauna, laundry facilities, maid services etc. You may just have to get some towels, bed sheets, and coffee mugs etc., and move in. Television, washing machine, microwave, airconditioning etc., it will all be there. You can find all this, sometimes while paying a rent of 30,000 baht a month or less (especially in the suburbs of Bangkok). So, this should be considered good value. Much cheaper accommodations are available, but we do not have a lot of knowledge or recommendations about it. [If you do plan to stay a longer time in Bangkok, you can also consider staying for months on end in one of the two star or three star hotels. You will have the benefit of a hotel like maid service, room service, 'free' airconditioning, restaurants etc. Something acceptable can usually be found in the 15,000-20,000 baht a month range. Hotels may give 10-20% discounts if you stay long time. Just one place we know about : Honey Hotel in Sukhumvit soi 19] When renting you will be subject to additional costs. First of all, the usual deposit is valued at two months of rent, and the rent for the first month (and thereafter) has to be paid in advance. Be aware that the property owner (if working through a real estate agent) will usually have to pay one month value of rent as a commission to the real estate agent). Electricity costs (free in a hotel!) can run high in Bangkok, especially during the hot season. Expect about 800-1000 Units per month when using airconditioning on 'economy mode' for a medium sized room. Cost of electricity (as charged by the electricity provider) is below 3 baht per unit, but when renting, charges may be much higher (arbitrarily). We regularly notice charges of 4 baht per unit, and recently reviewed a website of a property, charging 5.5 baht per unit. So the building owners make quite a few thousand baht of easy money each month. [Customer protection is still in its developing stage in Thailand, unfortunately, that is why there do not seem to be binding rules about expenses as mentioned] When you lease property for a long time (like 30 years or 99 years), you may save some money when signing your contract, that is, a lease for 30 years may be cheaper than buying property. However, you should be aware that you forgo the rights of owning the property. For instance, you will not have voting rights in annual meetings. How the condominium is managed will be decided above your head. Monthly costs (like electricity) will also be charged, without you having control over it. Electricity costs and maintainance fees may go up over the years slowly but relentlessly. More Articles : Society and Culture : Thai Temples for Dummies | Basic Economic Realities | Siam Society (on Asoke Road) | 10 Wishes for Thailand | The Thai character | Erawan Shrine History of Thailand , from Ban Chiang to Rattanakosin era. Health matters : About healthcare in Thailand | Health Statistics, Health Risks in Thailand | Health Clubs, Fitness Centers | The Grande Spa and Fitness Club | Amazing Thailand : Adult Stem Cell Therapy in Bangkok | About Thai Massage Travel, Tourism and Shopping : Sukhumvit Road | What's at Skytrain Stations? | Shopping Guide for Bangkok | About Visas | Entertainment in Bangkok | Getting Around in Bangkok and Thailand | Travel Tips | Travel Story | Buying and Renting Property | Siam Paragon at Siam skytrain station Misc. : Guidelines for Webmasters | 'Thai Websites' in the News Out of Bangkok Series : Nakhon Pathom | Kanchanaburi, Suphanburi Subdirectories : Culture and Society Entertainment Business & Finance Travel & Tourism Real Estate Hotels & Resorts Read a bit : Editor's Articles Submit a Website | Link to Us | Link Partners Top Concept and website design by G.V., Bangkok
land loan products are
Viewpoint Paid Discussion: Mortgages and Investments Wednesday, August 17, 2005 at 1 p.m. ET I'm interested in hosting a Viewpoint paid discussion Viewpoint discussion archive Welcome to Viewpoint, a live discussion forum on washingtonpost.com. This forum offers washingtonpost.com sponsors a platform to discuss issues, new products, company information and other topics. Mortgage Loans and Investment Properties Interested in a mortgage, home equity or refinance loan? Want to learn more about investment properties? Lonnie Cooper, top producer at Absolute Mortgage Co., was online Wednesday, August 17 at 1 p.m. ET to discuss mortgages, the recent interest-only craze or the ins and outs of investment properties. Lonnie Cooper is a senior loan officer at Absolute Mortgage Incorporated in West Chester, Pennsylvania. Lonnie closes approximately $7 million per month in mortgage volume over the past four years. Before coming to Absolute Mortgage, he worked as a loan officer at Independence Mortgage Group and was made partner. Lonnie also owns several rental properties and can provide suggestions and solutions for being a landlord. Lonnie is a graduate of Penn State University. The transcript follows. _______________________ washingtonpost.com: Welcome to Viewpoint. Our guest today is Lonnie Cooper with Absolute Mortgage Co. to answer your questions about loans, mortgages and investment properties. Let's get started! Lonnie Cooper: Lets do it. _______________________ Oaks, Pa.: How do you close so many loans each month? Lonnie Cooper: Hello Oaks, I close approximately 35-40 mortgages each month. _______________________ Washington, D.C.: Hi Lonnie, Thanks for taking my question. My husband and I have been in our house for about a year. We recently received a notice from our mortgage company that basically said our escrow amounts hadn't actually covered everything that the escrow pays for (taxes and insurance). So, we had a shortfall, and we should send in a large chunk of money so our mortgage wouldn't increase by $150 a month beginning in October. Okay. So, even if we do send in the large amount, our mortgage is still going to increase by about $70 because of our increased county taxes. Now, I'm a newbie at this, but is this normal? Does this happen to other people, etc.? Does everyone's mortgage increase when their county taxes increase? We have a 30-year fixed mortgage by the way. I'm sure I sound like a complete idiot, but any insight you could share would be great, since in the past we have had ZERO response from our mortgage company when we've had questions. Lonnie Cooper: I'm sorry to hear that you are getting zero response from them. Taxes often go up and unfortunately the lender has to re-structure your escrow account accordingly. You certainly don't sound like an idiot. _______________________ Washington, D.C.: I keep on hearing that interest only loans are a bad choice and that people are using them to afford homes they could not with a traditional 30. What do you think? Lonnie Cooper: Interest only loans are very popular right now. Unfortunately, many people are taking them for the wrong reason. If used properly by the right person, an interest only loan can make sense. In the current housing market, homes are becoming less and less affordable and an interest only loan is the only way that many people can qualify for the loan. My personal opinion is that if you can't make at least the amortizing arm payment (meaning principal and interest) then you probably are looking at too much home. _______________________ Edgewater, Md.: I am in the process of buying a house that I think we will have for a long time, but I am thinking about starting out with an interest only loan with a 7 year arm and refinancing at some point to a 30 year mortgage. Do you think this is the wrong approach? Lonnie Cooper: I do think it is the wrong approach. Rates are at an historical low. 7 years from now you very well may be looking at not only a large rate spike but also a much bigger payment when the principal is also involved. _______________________ Fairfax, Va.: I have a home equity loan and I am maxed out at $100k. I want to extend that to upgrade my house. Do I have to totally apply for a new loan or can I just ask the bank to extend the line of credit? Lonnie Cooper: Hello Fairfax, Often the lender that you have with the existing home equity loan will allow you to extend it. _______________________ Arlington, Va.: What is the best loan product for new construction that will not deliver until mid-spring 2006? We would like to lock in our rate asap but do not know what is the best. Thank you. Lonnie Cooper: Hello Arlington, Many builders have special deals with local banks and their own mortgage companies. They offer long term locks for your situation with a variety of options. Regarding the product, my answer would be the same for you even if you were closing in 30 days- Take an arm if you know that this isn't your 'long-term' home or go with a fixed if it is. _______________________ Camarillo, Calif.: What is your opinion on mortgages for retired people? Your opinion on paying cash for property or financing it? Thank you. Lonnie Cooper: Hello Camarillo, I often get asked by people in the 70's and 80's whether or not they can apply for a 30 yr mortgage. Even though lenders can discriminate for income, credit, employment etc, they can't discriminate for age. So, that being said, if you need the money take it. Mortgage money is the cheapest out there. There are reverse mortgages out there as well for retirees. They often make sense as well. "Cash is king" as they say- but if you have it and it helps you sleep at night paying for your home outright is a wonderful feeling. (Or so I've heard) _______________________ Rockville, Md.: Hi Lonnie, I am a consultant and have a 2-3 year assignment that will keep me in Baltimore during the work week. I currently own a home in Rockville and have a roommate. Recently, I have been thinking about buying a place in Baltimore and also getting a roommate there to help pay for the mortgage. What are the implications of borrowing equity from my current home to buy the new home? What are the tax implications of actually residing in both homes? -Sandra Lonnie Cooper: Hello Sandra, I try not to give out too much info on tax advice as it often varies from state to state. I believe that the other home needs to be 50 miles from your primary residence to qualify as a 2nd home. If its not, it would be viewed as a rental property- ie higher rate etc. There are definitely deductions available for rental properties - consult your CPA. _______________________ Fairfax, Va.: My primary loan is for $300,000 and is a 30-year. I am looking at getting a vacation property. What can I do to get the best rate on my second property? Lonnie Cooper: Hello Fairfax, If its a true second home aka vacation property, the rate will be identical. If there is plenty of equity in your current home you can take out a line of credit, but they are variable and prime seems to be going no where but up. Our rates are available at www.absolutemortgageco.com and my extension is 104 if you'd like to talk later. _______________________ Goshen, Ind.: Could you please elaborate on what the pros and cons of interest only loans and what is negative amortization? Thank you. Lonnie Cooper: Hello Goshen, I was cut short on my response previously. I'd like to apologize to the submitter of that question. Some quick pros are: 1- They create a significant amount of cash flow 2- They enable you to qualify for more 'house' Cash flow enables the owner to take that difference and invest it into the stock market or pay down other non deductable debts. Cash flow for a real estate investor allows for immediate positive income. Qualifying for more house enables for example a young Doctor get into a larger home knowing that his income will be going up in the near future. _______________________ Washington, D.C.: Is this a good time to look for investment property, even though the market is about to bust? Lonnie Cooper: Investment properties are always available, but because of the national real estate buying craze the 'deals' are much harder to find. Like anything else in life, its a matter of hard work and who you know- meaning get a great realtor and an even better mortgage guy. (Okay so I'm a little biased on this one) Regarding the market bursting- many top analysts feel its going to slow down but not necessarily bust. If your question is would you be buying at the top of the market right now, I'd have to say probably. _______________________ San Diego, Calif.: What is a free float down? Lonnie Cooper: Hello San Diego, A free float down is a product that Absolute Mortgage (the company that I work for) offers along with a few others. Basically its a s simple as "if the rates go lower while you are locked in, you get the lower rate" Its a product that brings a lot of people to us and when the rates go down, people love benefitting from it. It basically makes locking in a win-win _______________________ Falls Church, Va.: Does Absolute Mortgage offer long-term interest only loans and are these available on investment properties? Thank you. Lonnie Cooper: Yes, we offers long term interest only loans. These come in quite a variety. They can be fixed/adjustables that are fixed for the first 10 years or 30 years fixed that are interest only for the first 20 years. There are some that are interest only for all 30 as well. The rates obviously vary on all of these. Yes, we have I/O loans for invest. properties as well. _______________________ Bethesda, Md.: I was looking to buy a plot of land for a second home sometime down the road. What type of land loan products are available and do you offer such a mortgage? Lonnie Cooper: Hello Bethesda, There are many land loan products out there. The majority of them are not 30 year fixed loans, but realistically if you are building on the land in the future you wouldn't want one anyway. Local banks are often the best for this. We don't offer them. _______________________ Reston, VA: Is there a hard-fast rule about refinancing? I thought there used to be a rule that if rates .5 point below your rate you would refinance. Is that still a good rule? Lonnie Cooper: Hello Reston, Thats a great question. The old 'rule of thumb' was that the rate had to be 2% lower. That is certainly no longer the case. We offer what is called a 'True No Cost" mortgage where you can refinance with no costs at all. The costs are not rolled into your principal balance- we pay them. As an example- if you have a 30 yr fixed today at 6.0% and you owe 200k then at todays rate of 5.5% it probably wouldn't make sense to refinance with a traditional closing cost loan. However with a 'True No Cost' loan at say 5.875% you'll save thousands over the life of the loan for simply signing your name. _______________________ Yardley, Pa.: Hello Lonnie, I recently purchased a new home and would like to refinance the 2nd loan for Home Improvements. How long would I have to wait in order to accomplish this? The home was purchased for $279k, but with the right repairs and can be valued at $350k. Christian Lonnie Cooper: Hello Christian, Most 2nd mortgage lenders have at least a 6 month "seasoning" rule for 2nd mortgages in that they won't let you take out a new 2nd based on your new/higher value. We have some products with no seasoning that would allow you to accomplish what you are looking for. Yardley is fairly close to West Chester, Pa. feel free to stop in. _______________________ Front Royal, Va: I have a rather high fixed rate mortgage currently and I am looking to refinance. I have one negative on my credit report which is probably a few months away from coming off which would greatly increase my credit scores. Would you recommend waiting until my credit is clean or refinancing now to take advantage of these great rates. My average score is 674 but should be in the mid 700's. Thanks. Lonnie Cooper: Hello Front Royal, Great question. You guys are full of the. With a 674, I'd recommend giving the refinance a shot now. With the right amount of equity in the property and assets in reserve you very may still be approved. _______________________ Ponte Vedra Beach, Fla.: Does Absolute Mortgage offer loans in other states and what is involved to apply as far as upfront fees (does this vary state to state or based on the loan amount or credit scores)? Thanks Lonnie. Lonnie Cooper: Hello Ponte Vedra, (That is a beautiful part of Fla if I may say so myself) We are licensed in a number of states that are listed at www.absolutemortgageco.com. The owner doesn't believe in charging up front fees- its a much cleaner way of doing business. _______________________ Wilmington, Del.: I currently have quite a bit of equity in my home (primary residence) and was looking to do quite a bit of renovations to the property - which would increase the value. Would you recommend to refinance my existing mortgage for cash out or get a Home Equity Loan or Line. I currently have a 30-year Fixed at around 6% and plan on living in the home for quite some time. Thank you very much. Lonnie Cooper: Hello Wilmington, See my response above for a "True No Cost" loan. It would work great for you. The home equity lines are very popular, but most are variable and again- prime seems to be consistently going up. _______________________ Cherry Hill, N.J.: What is involved with a No Doc or stated income loan? Lonnie Cooper: Hello Cherry HIll, The question is what is not involved- We have a "True No Doc" loan in which we don't even ask if you are employed. We don't need any bank statements etc. Its just a credit score and a pulse. _______________________ Newark, Del.: Is there any tried and true rule to figure out if a home improvement project is worth doing in order to add value to your home (adding garage or addition, finishing a basement., etc.? Lonnie Cooper: Hello Newark, I don't know if there is such a rule. If you ask a contractor you may get a different answer though. In speaking with property appraisers over the years, a sure fire return is adding square footage. (As long as you don't over-improve for you neighborhood) Kitchens and bathrooms also provide the highest return for improvement projects. _______________________ Clinton, Md: If you sell a home (designated investment prop) less than 2 years after settlement, do you have to put the proceed into another investment property otherwise pay the taxes? Lonnie Cooper: Hello Clinton, This one is probably best answered by a cpa. My unoffical opinion is as follows: A 1031 tax deferred exchange can be done regardless of how long you've owned the home. If you keep the property for at least 12 months then you'll pay long term capital gains vs. short term. _______________________ washingtonpost.com: Our hour is up. Thank you for taking all of our questions, Lonnie. Lonnie Cooper: You are very welcome. Its been a pleasure. I hope to hear from you all again. Lonnie _______________________ RELATED LINKS absolutemortgageco.com Mortgage Rates Mortgage Calculator Affordability Qualification Payment Tables --
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Ocean Shores Land For Sale - Ocean Shores, Washington land and Ocean Shores properties for sale North America United States Washington Localities O Ocean Shores " Tour | Video | Photo Gallery | Affordable Pricing | Guarantees | FAQ | Free Brochure | Free Weekend | Testimonials | About Us | Home Building | Home Ocean Shores, Washington comes with an array of different home sites at a variety of prices, there is sure to be one that fits most anyones budget. Home sites include lands that overlook the breathtaking Pacific Ocean or along a winding canal. If you are a golfer, we also have lands located right on the golf course.WE ONLY HAVE A LIMITED NUMBER OF HOME SITES TO SELL. The Washington land for sale is limited so these home sites will be sold on a FIRST-COME, FIRST-SERVED BASIS and we expect them to go fast! Look over the website and then sign up to take part in our FREE WEEKEND FOR TWO! You and a guest will receive round-trip airfare for two, deluxe hotel accommodations, ground transportation and a private, no sales pressure tour of our home sites. Our FREE WEEKENDS are filling up fast, so don't delay! Call or make an Online Reservation to reserve your FREE weekend today! RECEIVE $200 OFF YOUR PURCHASE PRICE WHEN YOU REGISTER ONLINE! CLICK HERE! - Ocean Shores Washington - If you've been looking for an new home, retirement property, or a vacation spot to call your own, you've just struck gold. This is the opportunity to plan for your future and make your recreational land ownership dreams come true, at unbelievably affordable prices! The land for sale on Ocean Shores will make your dream of living a stress-free life, property ownership, and endless beauty come true. Enjoy a romantic night stroll on the sandy beaches as you listen to the mesmerizing sounds of the crystal blue ocean. If you are the outdoor enthusiast, Washington State mothers the largest remaining undisturbed old growth forests in the Pacific Northwest. There are endless possibilities in Ocean Shores Washington that will fit anyones unique needs. Do not just listen to us, come see the beauty of Ocean Shores for yourself. Highlights include: Upgrade Properties Available! Ocean Front Lake Front Bay Front Canal Front Entry level wooded lots You could hear the ocean from every property. Just a few minutes from the Pacific Ocean Ready to Build No time Restrictions All Utilities in place All paved roads Don't miss out on the fantastic land for sale in Ocean Shores, reserve your free weekend for two now! -- Money-Back Guarantee! National Recreational Properties of Ocean Shores, Inc. Corporate Headquarters: 1 Mauchly Irvine CA 92618 Phone 1-800-603-8871 Fax 949-583-9156 *Prices are for entry-level home sites only and do not include a home. Home sites on ocean, bay, canal, lake, golf course and upgraded properties are priced higher. Home sites have electric, water, telephone and sewer. Most home sites have a mandatory community club membership. NRPI is an equal opportunity seller. Terms subject to change without notice. Most qualify for the weekend financing. However, lower credit scores require a larger refundable travel deposit.Base travel deposit is $99 and will be applied to your purchase or be fully refunded within 3 business days. WARNING: THE CALIFORNIA DEPARTMENT OF REAL ESTATEHAS NOT INSPECTED, EXAMINED, OR QUALIFIED THIS OFFERING. OFFER ONLY AVAILABLE IN THE FOLLOWING STATES Obtain the property report or its equivalent, required by Federal and State law and read it before signing anything. No Federal or State agency has judged the merits or value, if any of this property. Owned and operated by National Recreational Properties of Ocean Shores, Inc., a Washington real estate broker. Tour | Video | Photo Gallery | Affordable Pricing | Guarantees | FAQ | Free Brochure | Free Weekend | Testimonials | About Us | Home Building | Home | Sitemap | Privacy Policy Seeing is Believing! Join us on a FREE Weekend for Two and Get $200 off your purchase price when you book your reservation online for Ocean Shores Washington!! We provide: Round-trip airfare for two passengers on a commercial airline Two free nights at a beautiful hotel Guided tour A chance to make new friends who share the dream and the opportunity NO Sales Pressure! We mean it! (It's our company policy) Click Here for more info!
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Mortgage Mag Main Page Mortgage Mag Main Page MBA Orlando Convention! New Clips! - View the daily clips, contact us. 1.0 State Information Loans, Lenders, Jobs, Associations 2.1 Loan Leads Lead Generation, Telemarketing 2.3 Software Registry Software, Systems, Technology 2.7 Free Loan Search Engine Find a Home for a Loan 4.1 Secondary Marketing Loan Securities, Pipeline, Software 5.0 Industry News Press Releases, Events 5.1 Market Commentary Rates, Events, Calendar 5.3 MortgageMag LIVE! Multimedia, Interviews, Audio, Video 6.1 Net Branching Branching, Associative, Partnerships 6.2 LOX Loan Officer Exchange Job Seekers & Employers 6.3 Job Listings Jobs, Resume Postings and Services 6.4 Recruiter Registry Mortgage, Banking, Finance 7.0 Consulting Registry Mortgage Banking, Finance 8.0 Mortgage Forums Jobs, Branching, IT 11.1 Appraisal Registry Find an Appraiser, Services 17.0 Administration Advertise , FREE LINK! , Search , Help • Friday Update w/ Aaron Freedman Rob Hain 12/16/2005 • Friday Update w/ Aaron Freedman Rob Hain 12/9/2005 • Friday Update w/ Aaron Freedman Rob Hain 12/2/2005 • Tuesday Market Update Rob Hain 11/29/2005 • Monday Market Update Rob Hain 11/28/2005 MortgageMag Live Interviews • Impac Mortgage Group of Companies Bill Ashmore 12/15/2005 • Quality Control in Leads Seth Goldstein 12/13/2005 • More Than Just Mortgages Roger Dunker 11/29/2005 • The Freedman Report Aaron Freedman 11/22/2005 • Old School Recruiting Rob Huxtable 10/25/2005 Market News • MortgageMag will be at the MBA Orlando Convention! - 10/04/2005 • Mortgage Application Volume Down In Latest Survey - 12/21/2005 • President Expected to Sign TRIA Legislation - 12/21/2005 • Pros See No Doom, Gloom in Slowdown - 12/19/2005 Mortgage Technology • SupportTrac and TracTalk Provide Del Mar Database Customers with Online Support Tools - 12/21/2005 • Digital Map Products Partners with Aerials Express - 12/17/2005 • SupportTrac and TracTalk Provide Del Mar Database Customers with Online Support Tools - 12/17/2005 • Swiftpro recruitment software is pleased to announce the launch of two new channel partner and reseller schemes. - 12/17/2005 Fannie Mae • Fannie Mae Updates 12/16/2005 - 12/17/2005 • Fannie Mae Alerts - 12/12/2005 • Fannie Mae Alerts - 11/15/2005 • Fannie Mae Updates 11-7-2005 - 11/07/2005 Freddie Mac • Freddie Mac Updates 12/16/2005 - 12/17/2005 • Freddie Mac Updates 12/12/2006 - 12/12/2005 • Freddie Mac Alerts - 11/15/2005 • Freddie Mac Updates - 10/28/2005 Mortgage Mag Main Page Main Index 1. Loans 2. Loan Originations 3. Loan Processing 4. Mortgage Banking 5. News/Commentary 6. Jobs & Resumes 7. Consulting Registry 8. Forums/Groups 10. Real Estate 11. Property Services 12. Finance 13. Banking 14. Credit Services 15. Legal Services 16. IT/Systems 17. Administrative 18. Related Web sites 1. Loan Center 1.1 Loans by State 1.2 Lenders by State 1.3 Commercial 1.4 Note Sales 2. Loan Originations 2.1 Loan Leads 2.2 Mortgage Marketing 2.3 Lending Software 2.4 Training/Education 2.5 Mortgage Exam 2.6 Licensing 2.7 LoanSearch Engine 2.8 Advertise/Marketing 2.9 Associations 3. Loan Processing 3.1 Processing 3.2 Underwriting 3.3 Closing 3.4 Document Services 3.5 Title Services 3.6 Mortgage Services 4. Mortgage Banking 4.1 Wholesale 4.2 Correspondent 4.3 Loan Processing 4.4 Secondary Markets 4.5 Portfolio Services 4.6 Loan Administration 4.7 International 4.8 Support Services a. Warehouse Loans b. Consultants c. Software d. Govenrment 4.9 Industry Info 5. News/Information 5.1 Market Audio 5.2 Daily News 5.3 MortgageMag Live! 5.4 Lending Forums 5.5 Convention Info 5.6 PR Posting 6. Jobs & Resumes 6.1 Branching [Net] 6.2 Loan Off Exch-LOX 6.3 Jobs - Search/Post 6.4 Recruiter Database 6.5 Job Forums 6.6 Resume Search 6.7 Resume Resources 7. Consulting Registry 8. Forums/Groups 8.1 Market Commentary 8.2 Loan Requests 8.3 Commercial Loans 8.4 Broker Licensing 8.5 Loan Leads 8.6 Mortgage Banking 8.7 Software/Technology 8.8 Branching [Net] 8.9 Employment 10. Real Estate 10.1 Agents 10.2 Resources 10.3 Commercial 10.4 Rental/Apartments 10.5 Construction 11. Property Services 11.1 Appraisal Registry 11.2 Flood Services 11.3 Property Services 11.4 Insurance 11.5 Environmental 11.6 Trust Management 11.7 Mortgage Services 11.8 Government Links 12. Finance 13. Banking 14. Credit Services 15. Legal Services 15.1 Attorneys 15.2 Accounting & Tax 16. IT/Systems 16.1 Video Services 16.2 Video Production 16.3 Webcasting 16.4 Audio 16.5 Multi-Media 16.6 Graphics 16.7 Internet Services 16.8 Software 17. Administrative 17.1 Contact 17.2 Advertising 17.3 Free Listings 17.4 News Posting 17.5 Job Posting 17.6 Resume Posting 17.7 E-Mail Posting 17.8 Search the Site 17.9 Forums 18. Related Web Sites 18.1 Home Loans 18.2 Media 18.3 Brokers 18.4 Mortgage Bank 18.5 Employment 18.6 Real Estate 18.7 Legal 18.8 Finance 18.9 Banking 18.10 Technology