Colorado Real Estate :

Colorado Springs Real Estate agriculture antiques & collectibles art automotive beauty and fashion business to business computer & internet construction dining education employment entertainment featured sites film & video gifts government graphic arts greeting cards health & fitness home improvement hotels insurance jewelry kid stuff legal services money music new sites non-profit pets products real estate religion relocation senior citizens services shopping sports & recreation teen sites travel & tourism weddings & events Colorado Springs Real Estate Colorado Springs Mortgage Services Sub-categories in Real Estate : Agents and Agencies | Apartments and Townhomes | Appraisal and Inspections | Development | Home Warranty | Listings | Mortgage | Office Space | Planned Communities | Property Management | Relocation Services | Timeshares | Title Insurance More Colorado Real Estate : Aurora | Boulder | Canon City | Castle Rock | Denver | Englewood | Fort Collins | Grand Junction | Highlands Ranch | Lakewood | Littleton | Longmont | Manitou Springs | Monument | Parker | Pueblo | Thornton | Westminster | Wheat Ridge | Woodland Park real_estate page 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 | 31 | 32 | 33 | 34 | 35 Found in Real Estate: Mortgage in Colorado Springs CO Colorado Springs Mortgage Services Featured link! Colorado Springs Mortgage Services has the experience to handle your mortgage needs. CSMS provides state-of-the-art processing services, the most complete range of competitive programs and hassle-free funding. By assisting you in prequalifying, CSMS can help you determine the right price home and make you a cash buyer. CSMS provides financing options for all credit grades serving our customers, REALTORS® and homebuilders. 24/7 online loan approval! Now serving 48 states, not just Colorado Springs real estate. Colorado Springs Mortgage Services PAGE STATUS: 9.13 FIRST LISTED: 10/21/2003 TOP Found in Real Estate: Agents and Agencies in Colorado Springs CO Choice REALTORS® Featured link! Find the home you want! Rely on a proven REALTOR® who is qualified to guide you in buying or selling your next home. Use our experience in finance, contracts, negotiating, and marketing to your best Colorado Springs real estate advantage. Choice REALTORS® PAGE STATUS: 9.12 FIRST LISTED: 9/1/2002 TOP Found in Real Estate: Property Management in Colorado Springs CO Sunflower Management Featured link! Property management is all we do, from resident screening to move out cleaning. Sunflower Management dedicates itself to providing the highest quality services to all our clients. We provide full property management services, including comprehensive resident screening and leasing, advertising, property evaluation, lease enforcement, investment analysis, and capital project planning. Let us prepare a review and comparison of our Colorado Springs real estate management services for your property. We will show you how we can put your investment to work for you. PAGE STATUS: 9.01 FIRST LISTED: 9/7/2005 TOP Found in Real Estate: Relocation Services in Colorado Springs CO Colorado Springs Real Estate Featured link! Use this site to explore El Paso County communities and find the neighborhood that fits your likes and priorities. This site has extensive community information, consumer links, school information, free reports , real estate answers, Colorado Springs info and more. Colorado Springs Real Estate PAGE STATUS: 9.00 FIRST LISTED: 9/1/2001 TOP Found in Real Estate: Agents and Agencies in Canon City CO Homes of Southern Colorado Featured link! For BUYERS and SELLERS in Canon City, Florence, Penrose, and Mountain Areas. Complete set of online search tools and calculators. KEYWORDS: Canon City Real Estate, Florence Real Estate, Penrose Real Estate, Fremont County, El Paso County, Royal Gorge Country. Homes of Southern Colorado PAGE STATUS: 8.00 FIRST LISTED: 5/15/2005 TOP Found in Real Estate in Woodland Park CO Woodland Park, Colorado Springs Realtor Featured link! The most comprehensive web site available for real estate in the Woodland Park, Colorado Springs, Pikes Peak Colorado area. If you are looking to buy or sell a home, you have come to the right place. Homes For Sale, Real Estate, Realtor, Agent, Real Estate Agent, Brian Lloyd, Real Estate Broker, Relocation. KEYWORDS: WOODLAND PARK COLORADO WOODLAND PARK Homes Real Estate For Sale Woodland Park Colorado Springs Colorado Realtor Teller County Divide Pikes Peak Colorado Springs Real Estate Woodland Park, Colorado Springs Realtor PAGE STATUS: 8.00 FIRST LISTED: 1/20/2005 TOP Found in Real Estate: Timeshares in Hampton NH Timeshares Sell rent or buy timeshares on the timeshare resale market at prices far below vacation resort prices! Click for timeshare news . KEYWORDS: timeshares - timeshare - time share - time shares - timeshare resales - timeshare resale - sell timeshare - buy timeshare - vacation - resorts - rentals Timeshares PAGE STATUS: 7.10 FIRST LISTED: 10/11/2005 TOP Found in Real Estate: Listings in Colorado Springs CO Colorado Springs Townhomes Choice REALTORS® provides listings including all of the available town homes in Colorado Springs. Sherry Romero CRS, GRI Colorado Springs Townhomes PAGE STATUS: 7.01 FIRST LISTED: 1/18/2004 TOP Found in Real Estate in Colorado Springs CO Top Producer Amy Secundy Can Help Dedicated to assisting you with one of the most important steps in your life! Call today - 719-238-2255 Top Producer Amy Secundy Can Help PAGE STATUS: 7.01 FIRST LISTED: 2/3/2005 TOP Found in Real Estate: Listings in Colorado Springs CO 35 Ravenglass Way This property is set against the magnificent beauty of Cheyenne Mountain and surrounded by both natural and manicured landscaping. This Acuff & Rhodes Columbine model boasts 5355 sq. ft., 5 bedrooms, three bathrooms & a 3-car garage. 35 Ravenglass Way PAGE STATUS: 7.00 FIRST LISTED: 1/8/2003 TOP Found in Real Estate: Development in Colorado Springs CO Acuff Homes High quality - well designed homes. KEYWORDS: home builders - construction - new homes Acuff Homes PAGE STATUS: 7.00 FIRST LISTED: 3/2/1999 TOP Please_send_comments_&_suggestions_to: citystar_support search | site_map | add_your_site | about_us

Selling Home Theater Systems

Home Theater Systems - Reviews, Best Price Comparison and BizRate Store Ratings Log in to your account Bookmark this page! Home Home & Garden Computers Clothes Toys Electronics Kids Jewelry All Departments I'm shopping for in All Departments Electronics Home Theater Systems ---------------------- Special Offers Store Ratings Welcome to BizRate.com's free comparison shopping site! We help you find the best deals on the biggest selection of products from all of the top-rated stores. Compare products, read reviews, and compare prices to make sure you quickly find the right product at the right price every time! Shop smarter at BizRate. Home > Electronics > Home Theater Systems Email This Page Search took 0.012 of a second. Home Theater Systems Home Theater Systems Buying Guides Home Theater Systems Price Range Under $310 $310 - $500 Over $500 More Brand Sony Panasonic Bose Onkyo Samsung JVC Yamaha More Player Tuner A/V Receiver DVD CD DVD Changer MP3 CD Changer More Playback MP3 CD CD-RW CD-R DVD-R DVD DVD-RW More Built-In Decoders DTS Dolby Digital Dolby Pro Logic II Dolby Pro Logic DTS Neo:6 Dolby Digital EX DTS 96/24 More Watts Per Center Channel 110 Watts 100 Watts 120 Watts 133 Watts 130 Watts 86 Watts 45 Watts More Watts Per Subwoofer Channel 100 Watts 285 Watts 150 Watts 135 Watts 120 Watts 140 Watts 155 Watts More or Browse by: Speaker System Speaker Type Surround Channels Ohms Equal Power To Rear Video Inputs Rear Video Outputs More Products per page: 10 20 40 80 Sort by: Best Match Price Low-High Price High-Low Product Rating 1 2 3 4 5 … Next << Choose at least two products to compare. Check to Compare Panasonic SC-HT17 5.1 Channel Home Theater System Tuner, A/V Receiver - 170 Watts Main , 70 Watts Surround - DTS, Dolby Digital, Dolby Pro Logic - 5.1 Surround… $100 to $500 Found at 12 stores Check to Compare Onkyo HTS780B 7.1 Channel Home Theater System Tuner, A/V Receiver - 110 Watts Main , 110 Watts Center , 110 Watts Surround - DTS, Dolby Digital EX, DTS Neo:6, Dolby Pro Logic...… 2 reviews: $430 to $500 Found at 9 stores Check to Compare Sony HT-DDW670 Home Theater System Tuner, A/V Receiver - 100 Watts Main , 100 Watts Center , 100 Watts Surround , 100 Watts Subwoofer - DTS, Dolby Digital, Dolby...… $178 to $260 Found at 14 stores Check to Compare Sony DAV-FX100W 5.1 Channel Home Theater System DVD, CD, Tuner, A/V Receiver - Playback: CD-R, DVD-R, JPEG, CD-RW, DVD, CD, MP3, DVD-RW, DVD+RW, DVD+R, VCD, DVD+R DL - 5 Discs...… $635 to $830 Found at 17 stores Check to Compare Bose 321 Series II Home Theater System DVD, CD - Playback: DVD, MP3 - 1 Discs - 25 AM , 25 FM Presets - With Multi-Room Capability - 2-Piece Speakers… 65 reviews: $899 to $1,000 Found at 10 stores Check to Compare Bose Lifestyle 38 5.1 Channel Home Theater System DVD, CD - Playback: CD-R, MPEG-2, CD-RW, CD, MP3, VCD, PCM, DVD Video - DTS, Dolby Digital - 5.1 Surround - 20 AM , 20 FM Presets...… $500 to $3,000 Found at 8 stores Check to Compare Samsung HT-WP38 5.1 Channel Home Theater System DVD, Tuner, MP3 - 5 Discs - Dolby Digital, Dolby Pro Logic II - 5.1 Surround , 30 FM Presets - 6-Piece Speakers… $300 to $350 Found at 7 stores Check to Compare Sony DAV-X1 2.1 Channel Home Theater System DVD, CD, Tuner - Playback: CD-R, DVD-R, CD-RW, DVD, CD, DVD-RW, DVD+RW, DVD+R, VCD, DVD+R DL - 1 Discs - DTS, Dolby Digital, Dolby...… 1 review: $570 to $1,000 Found at 15 stores Check to Compare Panasonic SC-HT930 5.1 Channel Home Theater System Tuner, DVD Changer, A/V Receiver - Playback: CD-R, DVD-R, DVD-RAM, JPEG, CD-RW, DVD, CD, MP3, DVD-RW, DVD+RW, DVD Audio, HDCD, WMA...… 1 review: $319 to $599 Found at 26 stores Check to Compare Sony HT-6900DP 6.1 Channel Home Theater System Tuner, DVD Changer, A/V Receiver - Playback: JPEG, MP3, DVD+R, DVD-R/RW, CD-R/RW - 5 Discs - 140 Watts Main - DTS, Dolby Digital...… $370 to $500 Found at 14 stores Check to Compare Pioneer HTP-2500 Home Theater System 1000 Watt… $159 to $199 Found at 3 stores Check to Compare Sony DAV-DX150 5.1 Channel Home Theater System DVD, CD, Tuner, MP3, A/V Receiver - Playback: CD-R, DVD-R, JPEG, CD-RW, MP3, DVD-RW, DVD+RW, DVD+R, VCD, DVD+R DL - 5 Discs , 133...… 1 review: $244 to $320 Found at 16 stores Check to Compare Onkyo HTS580 5.1 Channel Home Theater System Tuner, A/V Receiver - 100 Watts Main , 100 Watts Center , 100 Watts Surround , 100 Watts Subwoofer - DTS, Dolby Digital, Dolby...… $249 to $300 Found at 6 stores Check to Compare Bose Lifestyle 48 5.1 Channel Home Theater System DVD, CD, Tuner, MP3, A/V Receiver - Playback: CD-R, MPEG-2, CD, MP3, CD-R/RW, VCD, PCM, DVD Video - 1 Discs - DTS, Dolby Digital...… $2,999 to $4,000 Found at 10 stores Check to Compare Sony DAV-FX80 5.1 Channel Home Theater System CD, Tuner, DVD Changer, A/V Receiver - Playback: CD-R, DVD-R, JPEG, CD-RW, DVD, CD, DVD-RW, DVD+RW, DVD+R, VCD, DVD+R DL - 5 Discs...… $474 to $664 Found at 19 stores Check to Compare Panasonic SC-HT830V 5.1 Channel Home Theater System VHS, CD, Tuner, MP3, DVD Changer, VCR, A/V Receiver - Playback: DVD-R, DVD-RAM, JPEG, CD, MP3, DVD-RW, DVD+RW, DVD Audio, HDCD...… $249 to $400 Found at 22 stores Check to Compare JVC TH-C5 5.1 Channel Home Theater System DVD Changer - Playback: CD-R, DVD-R, JPEG, CD-RW, CD, MP3, DVD-RW, MPEG, DVD Audio, WMA, VCD, SVCD, DVD Video - 5 Discs , 167 Watts...… 1 review: $315 to $394 Found at 18 stores Check to Compare Panasonic SC-HT680 5.1 Channel Home Theater System Tuner, DVD Changer, A/V Receiver - Playback: CD-R, DVD-R, DVD-RAM, JPEG, CD-RW, DVD, CD, MP3, DVD-RW, DVD+RW, DVD Audio, HDCD, WMA...… $190 to $273 Found at 11 stores Check to Compare JVC TH-C6 5.1 Channel Home Theater System DVD Changer - Playback: CD-R, DVD-R, DVD-RAM, JPEG, CD-RW, DVD, CD, MP3, DVD-RW, DVD Audio, WMA, VCD, SVCD, DVD Video - 5 Discs...… 1 review: $420 to $500 Found at 10 stores Check to Compare Bose 321 GS Series II 5.1 Channel Home Theater System DVD, CD - Playback: CD-R, CD-RW, CD, MP3, DVD Video - 5.1 Surround , 20 FM Presets - 2-Piece Speakers… 2 reviews: $1,199 to $1,300 Found at 10 stores << Choose at least two products to compare. 1 | 2 | 3 | 4 | 5 | … Next Related Searches in Home Theater Systems Surround Sound System , Bose , Home Theater System , Speakers , Home Theatre Systems , Home Theater , Subwoofer , Home Theater Wireless , Wireless Speakers , Dav-Fx100w , Surround Sound , Home Theatre , Denon , Jvc Th-C6 , Wireless Home Theater , Sony Home Theater , Onkyo , Surround Sound Speakers , Klipsch , Home Theaters , Bose 321 Home Theater System , More Stores Selling Home Theater Systems (Sponsored Links) SONY HD Home Audio Learn More about Sony High Definition Audio . Experience HD! sony.com/hdtv Overall Rating: Not Yet Rated Home Entertainment PCs Replace Every Audio /Video Device with the All-in-One Alienware DHS. www.alienware.com Overall Rating: Not Yet Rated Home Packages Save Money Design & Build Your New Home Owner Builders Save Thousands www.lhlc.com Overall Rating: Not Yet Rated Discount Projectors name brand projectors at discount prices. Free shipping. 888-525-6696 www.projectorsuperstore.com Overall Rating: Not Yet Rated Designing a home theater? Read HDLifestyle to learn more about building a home theater. www.corning.com/lcdtv Overall Rating: Not Yet Rated Home Theater Acoustics Soft Sound™ Home Theater Acoustic Improving Products. Order Online www.soundprooffoam.com Overall Rating: Not Yet Rated Small Speakers, Big Sound Blow Your Mind Not Your Budget 2005 "Editor's Choice" Winner www.orbaudio.com Overall Rating: Not Yet Rated I'm shopping for in All Departments Electronics Home Theater Systems ---------------------- Special Offers Store Ratings See the 2005 Circle of Excellence Winners! Home | Your Account | Help | About BizRate.com | Privacy Policy | User Agreement | Jobs Merchant Login | Merchant Listings and Advertising | Ratings and Research | Affiliates BizRate International - BizRate UK | BizRate France | BizRate Germany Check out our new site, Shopzilla.com - Take a Tour | Online Shopping Shopzilla International - United Kingdom , France , Germany Thank you for shopping online at BizRate © 2005 Shopzilla, Inc.

Rental Property Stocks and

How to Buy Rental Property - eHow.com Clear Instructions on How To Do (just about) Everything Web eHow.com Home Finance & Business Center Real Estate How to Buy Rental Property Stocks and bonds aren't the only money-making investment in town. Consider rental property if you're prepared for extensive research, a fair amount of financial commitment and, depending on how you set things up, a significant role in maintaining the property. Steps: 1. Assess your financial requirements and goals. Do you need a steady stream of income from your rental or do you plan on selling it for a profit in a couple of years? If it's the latter, look for lower priced property that you can fix up as you rent it out. 2. Consider being a resident landlord by purchasing a multiunit property and living in one apartment. In many cases, the income from the other unit(s) will cover your mortgage payment, allowing you to effectively live for free. Being on-site has other advantages, including ensuring that the property is well-maintained. 3. Decide if you want to do maintenance yourself. If you have the skills, equipment and temperament to deal with upset tenants and a backed up toilet at 2 a.m., fine. If you plan on hiring a property manager, add about 5 percent of gross income into your calculations. 4. Choose the kind of property you want. Single-family houses are generally less expensive than apartment complexes because of pure size, but generate less income. Apartments, on the other hand, can require more upkeep. 5. Get preapproved for a mortgage (see How to Shop for a Mortgage ). Financing investment property is different from residential property in that it requires a much larger down payment. 6. Start shopping: Check out classified ads in the newspaper and online. Find a real estate agent who specializes in commercial or income-generating properties. 7. Choose property where people want to live, close to shops, parks and decent schools, and in a well-kept neighborhood. There's nothing worse than owning a rental property without any renters. In addition, check out any restrictions on renting with the home owners association, which, if there is one, can have a say in any rental agreements. 8. Consider what improvements, if any, you may be willing to make. Buying a fixer-upper will be less expensive than a property in pristine condition, but you can go broke bringing a property up to rentable condition. Before you buy, get cost estimates for all necessary fixes. See How to Buy and Sell a Fixer-Upper . 9. Have the property inspected. You may also want to order an appraisal to get a fair market value. 10. Search past records for vacancy rates over the last five to ten years as well as at present. If the building is occupied, find out how long the tenants have lived at the property. Long-term residents are valuable, but may also have been signed on at a lower rental rate. 11. Plan on spending time and money advertising for and interviewing potential renters. Have a contingency plan in place if a unit remains vacant for a few months. 12. Determine what a competitive rental rate is for your property by asking rental agents what they would expect to charge, by reviewing area apartment listings, and by personally visiting units available in the neighborhood. 13. Run the numbers. Make certain that whatever income you derive covers your costs of owning the property, plus a profit. 14. Work with an attorney to draw up and review any necessary papers relevant to the purchase. 15. Negotiate the terms of the sale. Some sellers may be willing to pick up a share of closing costs and other expenses. The eventual price will also be affected by prevailing market conditions--keep these in mind when negotiating. Overall Tips: Check to see whether the value of other area properties have increased or decreased in the past five years. Try to buy in an area that's on the way up. Pay attention to when improvements were made to a property, which aids in the estimate of the building's value. Recent renovations are worth more than upgrades done a decade or more ago. Be on the lookout for any hazards common to older properties, such as asbestos, lead-based paint and electrical systems that are not up to code. Budget in reconciling these problems. Some cities offer low interest financing to property owners needing to make renovations. Look into such programs if you know you'll need to have the property painted, windows replaced or similar exterior repairs made. Discuss any tax benefits with a tax specialist. There may be local tax incentives for renovating your property as well as advantageous approaches to declaring your expenses. What to look for: Income produced meets financial goals Suitable property Appealing location Vacancy rates Neighborhood rental rates Please Share Your Tips with Us More Resources: Contribute to eHow: Write an eHow Article Suggest a Topic Give Us Feedback on This Article Related eHows: Advertise Your Rental Property Evaluate Prospective Tenants for Your Rental Property Buy and Sell a Fixer-Upper Rent Your Home for a Movie or Catalog Shoot Buy a House Project Details: Skill Advisory: Challenging New! -- Related eHows: Advertise Your Rental Property Evaluate Prospective Tenants for Your Rental Property Buy and Sell a Fixer-Upper Rent Your Home for a Movie or Catalog Shoot Buy a House Check out Thousands of How-To Solutions in eHow's Centers Automotive Careers & Education Computers & Home Electronics Family & Relationships Finance & Business Food & Entertaining Health Hobbies & Games Holidays & Traditions Home & Garden Personal Care & Style Pets Sports & Fitness Travel How to: --? 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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 --

real estate investing courses.

Investment Services Real Estate Instruments in the Yahoo! Directory Search: the Web | the Directory | this category Investment Services > Real Estate Instruments Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Financial Services > Investment Services > Real Estate Instruments CATEGORIES Real Estate Investment Trusts (110) SPONSOR LISTINGS ( What's this? ) Matrix Capital Partners - private equity firm focused on multi-family real estate investments and the preservation of affordable housing communities. SITE LISTINGS By Popularity | Alphabetical ( What's This? ) Sites 1 - 31 of 31 RealEstateCourseReviews.com - read and write reviews of the most popular real estate investing courses. Also offers products, articles, and links related to real estate investment. Oarlock Investment Services, Inc. - specializes in investment real estate for self-directed retirement accounts. Lend Lease Corporation Limited Lend Lease Real Estate Investments - diversified investment manager offering real estate and mortgage products. George Smith Partners, Inc. - commercial mortgage brokerage firm specializing in financing acquisition, construction, and mezzanine loans in addition to joint venture equity and highly leveraged participating debt. Cashflow Property Network - offers members insight on where to invest, what types of real estate to invest in, and what to expect as a real estate investor. Intercontinental - features investment, development, and asset management. Legacy Partners - management and investment company with properties in the western states. The J.E. Robert Company - commercial mortgage investment and asset management firm with offices in the U.S. and France. Charter Municipal Mortgage Acceptance Company (AMEX: CHC ) - invests in tax-exempt bonds, the proceeds of which are used by borrowers to finance and refinance the development and ownership of multifamily housing nationwide. Bancroft Capital - real estate investment and consulting company specializing in the western United States. L & B Group - provides real estate investment advisory and management services to institutional investors. LNR Property Corporation - invests primarily in real estate properties, loans, and securities. New Boston Fund, Inc. - offers information on activities and investment team. Capital Commercial Investments (CCI) - real estate investment company. Maverick Consulting Group - consulting for residential, office and retail property investment internationally. RealtiCorp - real estate trading company that does research based land investing to identify, acquire, and sell land. Krupp Funds Group American Spectrum (AMEX: AQQ ) - diversified real estate investment and management company. Sagam - specializing in investments and trading in Mortgage Backed Obligations an the Dynamic Currency Unit (DCU). RealNet USA - provides a wholesale method of acquiring, financing, insuring, and managing real estate investments. Phoenix Capital - specializing in acquiring income-generating real estate assets by purchasing property units from individuals involved in limited partnerships or syndications Infinity Commercial Real Estate Group - specializing in 1031 Tax Deferred Exchanges, and focusing on income producing properties such as apartment complexes, office buildings, and retail centers. Asia Pacific Capital - acquisitions include office, hotel, retail and residential properties. Institutional Real Estate Advisors - investment options for ERISA multi-employer plans, corporate plans, and related investment managers. TDM Properties - properties in Australia, New Zealand, and the South Pacific. Buy A House.com - offering real estate investment services assisting people in creating real estate wealth. Gravitas Holdings - financial structuring engine at the heart of a group of companies that focuses on property acquisitions, procurement, sales, and consultancy services. Asset Marketing, Inc. - real estate holding offers investment, marketing, development, and management services. Property-Invesmtent.com - provides clients with professional advice regarding foreign property investments. Matrix Capital Partners [SPONSOR] - private equity firm focused on multi-family real estate investments and the preservation of affordable housing communities. Investment Services > Real Estate Instruments Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Financial Services > Investment Services > Real Estate Instruments Search: the Web | the Directory | this category