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Real Estate Property Listings Information at Business.com Advertiser Center · Help Web News People Jobs Search the Business Internet ® Real Estate Property Listings Property listings and databases of real estate for sale and lease. Home > Real Estate & Construction > Property Listings Sub-Categories Agricultural Commercial Foreclosure Residential -- -- Featured Listings Leading Residences of the World: Property Listings Luxury Destination Club offering its members access to million-dollar homes world-wide for the price of a down payment. Beach, Ski, Spa and Urban. www.lrwclub.com Furnished Quarters: Furnished Property Listings Offers New York City furnished apartment rentals, beginning from three nights to three years. Units include high-rises, studios, and brownstones. www.furnishedquarters.com Foreclosures.com: Foreclosure Property Listings Provides buyers of foreclosures with premium training on foreclosures, current listings of foreclosures, and reference information. www.foreclosures.com Sponsored Links View Real Estate Listings Register to Search MLS for Free. Compare Homes and Find an Agent. Multiple-Listing-Search.net Houses Search Phoenix homes for sale. 20% cash back. See 1.4M photos-Easy MLS www.ZipRealty.com Real estate listings Free real estate listings search. View properties in your area. www.house-real-estate.com More Featured Listings ForSaleByOwner.com: Real Estate Property Listings The official for-sale-by-owner site, don't be fooled by imitators. Put your home in front of millions of potential buyers and save thousands! www.forsalebyowner.com Corporate Suites: Property Listings Full service business centers in midtown NYC with fully furnished office suites, equipped conference rooms, virtual office, and reception services. www.corporatesuitesllc.com RealtyTrac: Foreclosed Property Search Provides foreclosure search engine for the U.S. with daily data updates, tax roll information, and photographs. Free 7-day trial. www.realtytrac.com Sponsored Links Homes Listings HouseValues' free service helps you determine the value of your home. www.housevalues.com Real Estate Specialists Tucson, Marana, Vail, Green Valley Oro Valley, Pima, Pinal & More! www.prudentialaegisrealty.com MLS Listings Online Search MLS Listings Online. Research schools and neighborhoods www.MLSonline.com Real Estate by Owner View 50,000 Homes For Sale By Owner Save thousands in commissions! www.Owners.com Real Estate Specialists MLS Search & Online Tours For Chino Valley, Prescott & Prescott Valley! www.theredmans.com Real Estate Listings View homes for sale, mls listings , real estate agents & foreclosures www.real-estate.com Popular Searches construction and real estate land listings leasing property listing properties multiple listing service multiple listing services open listing properties for lease properties for rent « more more popular searches [x] properties for sale property for sale property listing companies property listing services Property Listings property lists property search real estate Real Estate and Construction real estate companies real estate industry real estate listing real estate properties real estate property listing real estate property listings real estate sale real estate services realestate realestate companies realestate services renting properties Listings Corporate Suites: Property Listings Full service business centers in midtown NYC with fully furnished office suites, equipped conference rooms, virtual office, and reception services. www.corporatesuitesllc.com Foreclosures.com: Foreclosure Property Listings Provides buyers of foreclosures with premium training on foreclosures, current listings of foreclosures, and reference information. www.foreclosures.com ForSaleByOwner.com: Real Estate Property Listings The official for-sale-by-owner site, don't be fooled by imitators. Put your home in front of millions of potential buyers and save thousands! www.forsalebyowner.com Furnished Quarters: Furnished Property Listings Offers New York City furnished apartment rentals, beginning from three nights to three years. Units include high-rises, studios, and brownstones. www.furnishedquarters.com Home Popular Directory of home-related sites clasified by popularity. www.homepopular.com Homes & Houses.com A listing service for both residential and commercial real estate nationwide. www.homes-n-houses.com Homes-for-Sale-Center Real estate website provides local real estate listings from various multiple listing services, foreclosures, and homes for sale by owner. Homes for Sale | Free Home Values | Mortgages | Site Map www.homes-for-sale-center.com Leading Residences of the World: Property Listings Luxury Destination Club offering its members access to million-dollar homes world-wide for the price of a down payment. Beach, Ski, Spa and Urban. www.lrwclub.com New Homes and Condo Guide (Canada) Provides listings rental apartments, rental houses, condos, and basement apartments in Toronto and throughout Ontario. www.newhomesandcondos.com Real Estate Group: Worldwide Property Listings Provides sale and rental property lists from multiple real estate agencies. Free property ads for worldwide real estate agencies and property developers. www.relmeds.net RealtyTrac: Foreclosed Property Search Provides foreclosure search engine for the U.S. with daily data updates, tax roll information, and photographs. Free 7-day trial. www.realtytrac.com Renters News (Canada) Provides apartment, house, and condo listings. View photos and floorplans for thousands of listings in Toronto and throughout Canada. www.rentersnews.ca Rooney Real Estate, Inc. Boston realtor/broker handles commercial and residential real estate sales. Condos | Land | Commercial | Homes www.rooney-re.com VirtualHomes.com Network of real estate communities that provides panoramic virtual tours of towns, neighborhoods, properties and merchants. www.virtualhomes.com Sponsored Links View Real Estate Listings Register to Search MLS for Free. Compare Homes and Find an Agent. Multiple-Listing-Search.net Houses Search Phoenix homes for sale. 20% cash back. See 1.4M photos-Easy MLS www.ZipRealty.com Real estate listings Free real estate listings search. View properties in your area. www.house-real-estate.com Search the Business Internet ® Advertiser Center | Account Login | About Us | Careers at Business.com | Featured Listings Privacy | Terms Of Use | 2000-2005 Business.com, Inc. All Rights Reserved

Real Estate Brokerage Relationships:

DOL - Real Estate Brokers License Real Estate Brokers License Requirements of Licensure: 18 years of age or older. High school diploma or equivalent. Minimum of two years of full-time experience as asalesperson in Washington or in another jurisdiction having comparablerequirements. 120 clock hours of instruction in real estate including: --30 clock hours real estate law, --30 clock hours brokerage management, --30 clock hours business management, and a --30 clock hour approved elective course. Successful passage of examination. Application for license. Please note: The experience and clock hours must be completed within five years prior to application for examination. Fees: Examination Fee ------ $138.25 Original License Fee - $210.00 Renewal Fee (2 yr.) ----$210.00 Continuing Education Requirement: 30 clock hours for renewal every two years including the core curriculum. A list of approved real estate courses are available in the real estate course catalog Forms: You can download the forms listed below to your own desktop or work-station. Application for Real EstateSalesperson/Associate Broker/Branch Manager Application for Real EstateIndividual Broker License (Sole Proprietorship) Application for Limited LiabilityCompany or Limited Liability Partnership Application for Real EstatePartnership License Application for Real EstateCorporation License Application for Real EstateBranch Office Licensure Application for Broker AddressChange/Branch Office Address Change BrokerClosing Office Affidavit WaiverProcedures for Broker Examination Applicants Using AlternateExperience/Qualifications Real Estate Examination, Licensing and Renewal Section: Business Location: Department of Licensing Real Estate Licensing Section 2000 4th Avenue West Olympia, WA Mailing Address: Department of Licensing Real Estate Licensing Section PO Box 9015 Olympia, WA 98507-9015 Telephone Number: (360) 664-6500 or (360) 664-6488 Fax Number: (360) 586-0998 Office Hours: 8 A.M. to 5 P.M. Pacific time, Monday through Friday. Return to Real Estate front page. Real Estate MainPage Washington Real EstateCommission ProfessionalLicensing Internet Query Fees FAQs Salespersons License Appraisers MainPage Washington Real EstateLicensing Law: RCW18.85 Real Estate Brokerage Relationships: RCW18.86 WAC308-124 General Provisions WAC308-124A Licensing & Exams WAC308-124B Brokers Office WAC308-124C Records WAC308-124D Operational Procedures WAC308-124E Trust Accounts WAC308-124H Education Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 586-0998 Office Hours: 8:00 a.m. to 5:00 p.m. Fees Accepted: 8:30 a.m. to 4:30 p.m. Pacific Time Monday through Friday Write: Department of Licensing Real Estate Program PO Box 9015 Olympia, WA 98507-9015 Business Location: 2000 4th Avenue West, Olympia, WA 98502 E-Mail: RealEstate@dol.wa.gov

Real Estate Investment, Seller

Real Estate investment with private mortgages and seller financing. Real estate investors. Sell Mortgage , Real Estate Investment, Seller Financing, Private Mortgage Investment , Discounted Mortgage , Hard Money Mortgage , Sub Prime Mortgage , Credit Report Place/View Listings: Sell Mortgage • Mortgage Wanted • Get Mortgage • Note Brokers • Mortgage Brokers • Lenders Site Index Real estate investment Why own a real estate investment: To rent the real estate and produce positive cash flow. To resell the real estate for a profit. [ Home ] [Why own investment real estate?] [ Why most real estate is sold at market price ] [ Where to find the deals ] [ Nothing down real estate deals ] [ Money making ideas for real estate investors ] [ Creative Financing Ideas ] [ Home inspection ] [ Construction problems with older homes ] [ Home construction Estimation form ] [ Tax benefits of investment real estate ] [ Tax Table 2005 ] [ Mortgage interest rates ] [ Income Real estate 10-yr spreadsheet Online ] [ Fixup houses Profitabilty Analysis Online ] [ HUD anti-flipping rules ] [ Buying real estate from senior citizens. Get rich slow. ] [ Real estate investors tax audit guide ] [ Understanding real estate legal descriptions ] [ Real estate investors credibility ] [ Print Rent payment coupons ] [ What is a triple net lease ] [ Commercial mortgage simple underwriting ] [ Commercial loan Qualifier ] [ Foreign investor & US real estate ] [ Real Estate for Sale ] There are lots of people out there giving late night TV shows and selling expensive courses that will guarantee to make you rich and famous. Some of their promoters are now in jail, some who aren't, deserve to be. So here are some simple aids that won't cost you a dime. First of all, you make your money when you buy, not when you sell. So finding the motivated seller who is willing to offer you a good deal in exchange for a quick sale is the single most important factor to your real estate investment success. Surprise, surprise, most owners of real estate want to sell it for full fair market value. In fact many owners are so proud of their real estate they want you to pay MORE than fair market value. Most real estate sellers don't want to give you a 30% discount on fair market value. But this is what you need if you intend to fix up and resell the real estate for a profit. Think it can't be done? A real estate investor we know in Tampa closed on a pre-foreclosure house for $46,000 in February 2004, using 100% hard money financing. They sold it for $98,000 in April 2004 having spent about $2,000 on fix-up work. Let's be clear on this. If you can buy a house for $70,000 that would be worth $100,000 if it was fixed up, but it will cost $30,000 to fix it up, you're paying market value, NOT getting a bargain. You need to buy this house for $45,000 or keep looking. Download our free spreadsheet to evaluate that real estate "bargain" in real terms. You need to factor in things like the real cost of fixing it up, the closing costs when you buy, the closing costs when you sell, the cost of money while you are fixing it up from the day you buy it to the day you sell it, any pre-payment penalties on the money you have borrowed etc. If you intend to keep and rent out the property then you can pay a little more. But don't forget, even with current interest rates you have vacancy. property taxes, insurance, repairs and maintenance to pay for before you get to positive cash flow. Download our free real estate investment spreadsheet to evaluate that real estate "bargain" over the next ten years. Or calculate your potential profits directly on this web site . (Note: It may a take couple of minutes for page to load). Don't spend hundreds or thousands of dollars on some real estate "get rich quick" seminar or course pitched by some late night TV smoothie, check out our books on real estate investment. Money making ideas. Where to find the deals Why it's hard to find good deals. Financial Calculators. Find Money for your transaction. Search our bookstore for books on real estate. Dictionary of real estate and mortgage terms. A marketplace for your seller's mortgage if they'd sooner have cash. Understanding legal descriptions Is that good deal as good as you thought it was? Projects all the costs involved for real estate investors who are thinking of "flipping" properties. Download our FREE Microsoft Excel (97 or higher) "fix up" analysis spreadsheet. (This is a self-executing compressed file, just note where you download it and double click on it.) Useful real estate and mortgage forms. Remember laws vary from State to State and even County to County. We have property management forms, deeds, leases, mortgage origination forms etc. Download our custom designed Sample Quickbooks99 file to show how to easily account for real estate income. Are you better to pay cash and get conventional financing or pay a higher price and get low interest rate seller financing? Compares different offers and even make two or more offers on the same property with different terms. Download our FREE Microsoft Excel (97 or higher) " different offers " analysis spreadsheet. (This is a self-executing compressed file, just note where you download it and double click on it.) Just how much money will that investment property earn you over the next ten years? And how much will you make when you sell it? Down load our FREE Microsoft Excel (97 or higher) 10-year income analysis spreadsheet (This is a self-executing compressed file, just note where you download it and double click on it.) Or run it on this web site. Think a million dollars is a lot to retire on? Think again. See just how long your money will last under different scenarios. Download our FREE Microsoft Excel (97 or higher) " Retirement scenario" spreadsheet. (This is a self-executing compressed file, just note where you download it and double click on it.) How to survive a tax audit. Home construction and estimating forms for you to print and use. Why interest rates move. Property analysis card Your "Credibility Kit" as a home buyer Taxation of non resident investors in US real estate and mortgages. Commercial triple net leases explained Order on line valuation Our real estate investment bookstore [ Home ] [Why own investment real estate?] [ Why most real estate is sold at market price ] [ Where to find the deals ] [ Nothing down real estate deals ] [ Money making ideas for real estate investors ] [ Creative Financing Ideas ] [ Home inspection ] [ Construction problems with older homes ] [ Home construction Estimation form ] [ Tax benefits of investment real estate ] [ Tax Table 2005 ] [ Mortgage interest rates ] [ Income Real estate 10-yr spreadsheet Online ] [ Fixup houses Profitabilty Analysis Online ] [ HUD anti-flipping rules ] [ Buying real estate from senior citizens. Get rich slow. ] [ Real estate investors tax audit guide ] [ Understanding real estate legal descriptions ] [ Real estate investors credibility ] [ Print Rent payment coupons ] [ What is a triple net lease ] [ Commercial mortgage simple underwriting ] [ Commercial loan Qualifier ] [ Foreign investor & US real estate ] [ Real Estate for Sale ] FREE Newsletter! subscribe unsubscribe Site Index Bookstore Contact us Complete list of FREE Mortgage and Real Estate courses Send page to friend Calculators Current, historic interest rates FREE content for your web site About Us & Privacy Policy Forms library Real estate and mortgage Resources Dictionary of terms FREE Downloads Bookmark this site. Internet Explorer users Click here NetScape press CTRL-D. AOL users click the Heart. Mortgage-investments.com is our US Federally registered service mark no. 2,647,595 Free info on mortgage investments, private mortgages, hard money mortgages, discounted mortgages, seller financing. Mortgages , owner financing , deeds of trusts , discounted mortgages , seller financed mortgage , hard money mortgage Web sites design hosted for note brokers note and cashflow buyers web site design hosting Web site design hosting for mortgage brokers , mortgage broker web site design

Real Estate Broker, ready

ERA - Destin Florida Real Estate - Pensacola Real Estate - Pensacola Beach Condos for sale Your ERA Florida Real Estate Expert for Pensacola, Destin, Gulf Breeze, Navarre, Pensacola Beach and Perdido Key Real Estate. Gulf Breeze Florida real estate MLS Pensacola real estate Destin condos for sale Destin Florida Waterfront luxury homes Gulf Breeze, FL emerald coast realty Navarre Florida Gulf coast Beach Condos Pensacola Florida Real Estate Perdido Key Condos Licensed Florida & Alabama Broker Pensacola Florida, Destin, Gulf Breeze, Navarre, Perdido Key, Pensacola Beach and all NW FL Gulf Coast Beach Communities. Direct (850) 439-1811 Toll Free (866) 906-1811 kim.gibbons@era.com Member Gulf Breeze & Perdido Key FL Chambers Owner Broker LOCAL REALTORS ® I'm a local ERA Real Estate Broker, ready to find you the Pensacola, Gulf Breeze, Pensacola Beach Waterfront Navarre, Destin Florida real estate or Perdido Key property that meets your specific needs. My Realtors are highly focused on these real estate markets for maximum results. I specialize in: residential homes, commercial and investment property. Types of properties include; luxury Gulf beach front condos, townhouses, waterfront land, luxury homes, Destin beach condos and new oceanfront homes construction. Click luxury homes or Navarre realty information from the Navarre FL realestate eSource. BUYERS I search the Destin and Pensacola Florida MLS Real Estate databases daily for real estate that matches your specific criteria. I then notify you immediately with the latest Destin or Pensacola MLS listing that meet your desired need. Choose Find Homes for Sale and fill in the requested information. I will contact you to confirm the specifics of the property you desire and then follow up with properties you can evaluate, its a breeze! You can also contact me to get automatic updates on homes or condos in the Pensacola and Destin FL areas that meet your specific criterion. MORE EMERALD COAST REAL ESTATE • Destin Condos • Fort Walton Beach Real Estate ˜ ˜ ˜ SELLERS Plan To List Your Property? Go with the Broker with the best internet presence! More internet exposure equates to more potential BUYERS! Our Commitment to You... If you plan to sell your real estate in the next few months, use my CMA evaluation. This free service is designed to help establish the current market value for your property. Simply choose Listing Property and provide the requested information. I will use comparable homes or condos that have sold in your area from the MLS to help you determine the fair market value of your home. When you list your home I make sure the public knows that your home is available for sale by using state of the art advertising and marketing approaches to attract potential buyers. Such as, immediate MLS listing, extensive internet and national directory exposure. Buyer from came to this Web Site in 2004! Marketing Strategy Presentation WHY KIM GIBBONS? 1) Huge Internet presence 2) Florida Licensed Broker, Associate 3) Experience, Multi Million Dollar Producer 4) Extensive Relocation Experience 5) A well defined Listing Sales Strategy , to sell your property! As a respected Emerald Coast professional, I am dedicated to providing the best service possible. Because our industry is becoming more sophisticated and challenging every day, I work hard to staying ahead of the competition to best represent YOU and your priorities! I am a Licensed Florida Broker , with that comes a better understanding and knowledge to better serve you. Most agents are not Brokers because the knowledge and testing requirements are very rigorous. I strive to determine your specific needs and work hard to get the results you deserve! Click here to find out more about listing your home ˜ ˜ ˜ Please use my web site to explore our Gulf Coast schools and NW FL communities to find the special neighborhood that best fits your likes and personal priorities. CAN'T FIND WHAT YOU WANT? I can show, sell and get you any additional listing information on realty and condos located in Escambia, Santa Rosa, Okaloosa, Destin, Walton and all Counties of North and Northwest Florida. Contact Us MORE RESOURCES Click here to view our Realty Articles . Ivan has left it's mark on the Gulf Coast see Ivan Damaged Houses TIP OF THE WEEK Before you list your property, look at this weeks tip: FEATURED LISTINGS Please take a moment of your time to look at this weeks Featured Listings. 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home equity loans Average

NYS Banking Department-Home Equity Loans Survey Interest Rate Information Home Equity Loans Markets Albany Buffalo Long Island New York Metro Rochester Syracuse Westchester Co, NY Definition of terms used in this survey New York State home equity loans Average Highest Lowest 7.31 8.50 5.50 Albany Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Central National Bank 800-449-6842 12/23/05 7.00 .50% disc w/auto debit; $7,500 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min First Niagara Bank 518-270-3200 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.00 $50 fee; $2,500 min TrustCo Bank 518-436-9043 12/23/05 7.00 $5,000 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 6.25 $500 fee; no min Bank of America 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min Evans National Bank 716-549-6000 12/23/05 6.50 .25% disc w/auto debit; $7,500 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 6.00 .50% disc w/auto debit; no min Suffolk County NB of Riverhead 631-208-2222 12/23/05 6.75 $5,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min Independence Community Bank 800-732-3434 12/23/05 6.49 .25% disc w/auto debit; $10,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.99 Range: 7.99-10.99%; $600-1000 fee; $10,000 min Union State Bank 800-887-8775 12/23/05 6.25 1.50% disc w/auto debit; $100 refundable app. fee; $5,000 min Wachovia Bank, NA 800-922-4684 12/23/05 6.84 Range: 6.84-8.00%; $150 fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-627-3999 12/23/05 7.40 .25% disc w/auto debit; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 6.35 $10,000 min Community Bank, N.A. 800-388-4679 12/23/05 5.50 no auto debit offered 25000 min First Niagara Bank 716-434-6621 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 5.99 .25% disc w/auto debit; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 6.75 $5,000 min Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min KeyBank 888-KEY-1234 12/23/05 7.14 Range: 7.14-8.94%; .25% disc w/auto debit; $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 7.74 .25% disc w/auto debit; $15,000 min Partners Trust Bank 866-777-8659 12/23/05 6.99 .50% disc w/auto debit; $7,500 min Solvay Bank 315-468-1661 12/23/05 6.37 $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 6.50 .25% disc w/auto debit; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.63 .25% disc w/auto debit; $20 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 8.45 .25% disc w/auto debit; $5,000 min Bank of New York 212-495-1784 12/23/05 6.25 $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.75 Range: 7.75-10.45%; .25% disc w/auto debit; $5,000 min Citibank 800-321-2484 12/23/05 7.40 .25% disc w/auto debit; $25,000 min First Niagara Bank 877-722-9842 12/23/05 6.75 .25% disc w/auto debit; $340 fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 8.38 $10,000 min Union State Bank 800-887-8775 12/23/05 6.25 1.50% disc w/auto debit; $100 refundable app. fee; $5,000 min Wachovia Bank, NA 800-922-4684 12/23/05 6.84 Range: 6.84-8.00%; $150 fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.50 .13% disc w/auto debit; $10,000 min Rates are subject to change without notice and may vary from branch to branch. Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. 2005: Bankrate.com All rights reserved. | Home | Search | SiteMap | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified Friday, December 23, 2005 FastCounter by bCentral