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GoodReturns Bookstore Top : Catalog : Home | Log In | Create an Account | Cart Contents | Checkout | Contact Us Categories - Top 10 Best-Sellers (10) - Conferences & Seminars (1) - Finance & Wealth Creation (68) - Free Books (7) - Good Business Reads (9) - Investment & shares (60) - Kids & Money- (7) - Magazines & Newsletters- (29) - Massey texts (6) - Mortgages (3) - Other (3) - Property Investment (67) - Superannuation & the economy (7) - Trusts (5) - Tax (5) - Combo Book Deals (15) - Book Tokens (1) What's New? The Intelligent Investors Guide to Share Buying Quick Find Use keywords to find the product you are looking for. Advanced Search Information Shipping & Returns Privacy Information Security Conditions of Use FAQ Contact Us Home Product Information Your Investment Property $17.74 ex GST $19.96 incl GST How to choose it, pay for it and triple your returns in 3 years. By Anita Bell Anita Bells two earlier books Your Mortgage and Your Money have sold nearly thirty thousand copies in New Zealand. The reason her books are so successful is simple. Her advice is practical, easy to understand and easy to apply. Her latest book Your Investment Property- How to choose it, pay for it and triple your returns in 3 years by someone who did it in 2, applies the same recipe. It shows you how to become a successful property investor by buying the right property, paying the minimum price and managing the property to ensure maximum returns. It also covers every aspect of the financial side too, from loans and property management plans to government fees and taxes and shows how to make the system work for you rather than against you. Buy the Anita Bell Book Combo and Save! - Your Investment Property - Your Money - Your Mortgage Click here now. This product was added to our catalog on Tuesday 10 December, 2002. Customers who bought this product also purchased Good Business, Bad Business How to Maximise Your Property Portfolio Slash Your Taxes Now! The Business of Share Trading The REAL Story Shopping Cart ..is empty! Bestsellers 01. Slash Your Taxes Now! 02. Residential Property Investment in New Zealand 03. Financial Passages 04. The NZ Property Mag - Annual subscription/Free book 05. Planning for Property Success 06. Pay Zero Taxes 07. Snakes and Ladders 08. The Truth About Residential Property Investment 09. Real Estate Investors' Secrets 10. Your Investment Property Specials $24.84 $21.11 More Specials.. Reviews .. More Reviews.. Friday 30 December, 2005

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Mortgage Rates, Home Loans, Home Equity Loans, Debt Consolidation and Bad Credit Loans - HomeLoanCenter.com Mortgage Refinance Home Equity Loans Home Purchase Credit Concerns Debt Consolidation Check Loan Status Loan Calculators Rate Quote Rate Watch FAQs Find the Right Loan 5 Reasons to Refinance Home Buying Tips Mortgage Terms Glossary Get Loan Approval in Minutes. Qualifying is Quick & Easy. -- Choose Your Loan Type -- Refinance Purchase Home Equity Loan -- Choose Your State -- AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY Our Mortgage Calculators will help you find the right loan. How Much Can You Afford? How Much Equity is in Your Home? How Much Could You Save? What Will Your Monthly Payment Be? Hsieh Joins Expert Panel on CNBC Anthony Hsieh appears on a special edition of CNBC Primetime with a panel of residential real estate industry experts. Anthony Hsieh, on CNN's Open House Hsieh appeared as a guest speaker on CNN's Open House to discuss good housing debt versus bad housing debt. Click below for a Personalized Payment and Rate. Option ARM 1.000% 1.106% 1 Month ARM 2.000% 2.116% 3/1 Libor ARM 5.000% 5.149% 15 Year Fixed 5.125% 5.384% 30 Year Fixed 5.625% 5.782% 30 Yr Fixed Jumbo 6.125% 6.289% Assumptions Site Map | About Us | Contact Us | Business Hours | Careers | Privacy Policy | Our Guarantees | Licensing | Legal Information Loan Payment Calculator | Mortgage Refinance | Home Equity Loan | Home Purchase | Adjustable Rate Mortgages | Second Mortgage Tools & Resources | Mortgage Interest Rates | Home Loan | Equity Loan | Debt Consolidation © 2005 Home Loan Center, Inc. All rights reserved. Loan programs are offered by Home Loan Center, Inc.

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State Farm Bank® - Home Mortgage Loans -- Search statefarm.com® Powered by Google™ Banking Bank accounts Credit cards Loans Home Mortgage Home Equity Vehicle Security Safeguards Find an agent by zip/postal code Advanced Search 24-hour Customer Service Limited Service 12am-5am CT 1-877-SF4-BANK 1-877-734-2265 HOME MORTGAGE LOANS > Learn about mortgages Select a Product ==================== CENTERS - Purchase - Refinance - Affordable Housing ==================== PRODUCTS - Fixed Rate - Adjustable Rate - Affordable Housing ==================== LENDING PROCESS - How to apply - Pre-approval ==================== MORTGAGE TOOLS - Calculators - FAQ - Mortgage glossary - Application checklist - House hunting tips - Home comparison chart ==================== CUSTOMER ASSISTANCE - Access my account - Contact us - Mortgage Inquiry - Locate an Agent > How to apply > Access my account > View on-line mortgage application status > Contact us Information Minimum loan amount is $25,001 Maximum loan amount is $650,000* * Larger loan amounts available by request on an individual case basis. · Variety of products: - Fixed rates - Adjustable rates - Affordable housing · Pre-approvals available · Can be used for purchasing or refinancing: - Primary residence - Second home - Investment property (availability varies by mortgage product). Properties may be a single family home (1-4) unit, condominium or Planned Unit Development (PUD) · Loans to finance the construction of a property are not available. However, any of the mortgage products may be used for a mortgage upon completion of the construction · Rates may change daily based on market conditions · Fees and closing costs vary by geographic area and the type of loan · Maximum loan-to-value varies by product and situation but can be as high as 97 percent · Property that is for sale or has been sold (i.e. "bridge loans") is not eligible · FHA and VA loans are not available at this time Centers · Purchase center · Refinance center · Affordable housing center More About Mortgage Loans · Rates · Products · Mortgage Calculators · Frequently asked questions · Home mortgage glossary · Application checklist · House hunting tips · House hunting checklist · Home comparison chart · How to apply for home mortgage loans · 24-Hour account access via phone and Internet · Learn how to stop mortgage fraud Related Links · Home Equity Loans/Line of Credit · Mortgage Disability Income Pricing and APR Assumptions Location: Pricing could vary based on the state where the property is located. Contact a Mortgage Consultant for a price quote based on your property location. Loan amount: $200,000 for conforming products; $500,000 for JUMBO products Loan-to-value ratio: 80% or lower Property type: Single Family Primary Residence Loan purpose: Purchase only Escrow: Customer escrows for taxes, insurance, etc. as part of monthly payment Closing Costs/Prepaids: Estimated at 1% of the purchase price/value of the home Lock period: 30 days Income Documentation: All income used to qualify for a loan is documented Additional Notes · Mortgage rates change on a daily basis and have the ability to change within the day depending on market conditions. · Your rate at loan approval may be different based on underwriting considerations and your individual financing request. · Fees and closing costs vary by geographic area and the type of loan. · All loans are considered as either a conforming loan or a JUMBO loan (also known as a non-conforming loan). A conforming loan is a loan with a mortgage amount that does not exceed eligibility limits for purchase by the secondary mortgage market (i.e. Fannie Mae, Freddie Mac, etc.). A JUMBO loan is a loan with mortgage amount that exceeds the eligibility limits for purchase by the secondary mortgage market. · The APR and payments on Adjustable Rate Mortgage ( ARM ) Loan Products are subject to change after the loan is closed due to the product's variable-rate feature. For good neighbor service in your mortgage loan process, call your local State Farm agent, call State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265) or submit your mortgage inquiry online. *Some products and services may not be available in all areas. [ home | sitemap | my account | login | register | contact us | privacy | terms of use ] [ insurance | banking | mutual funds | planning & learning | agents | about us ] Search statefarm.com® Powered by Google™ Equal Housing Lender | Member FDIC

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LoanUniverse Community - Commercial Land Loan loanuniverse.com Help Search Members Calendar Welcome Guest ( Log In | Register ) LoanUniverse Community Community Forums Loanuniverse Forums Outline ·[ Standard ] · Linear+ Commercial Land Loan , In Miami Florida Track this topic | Email this topic | Print this topic Marnie1065 Dec 6 2005, 08:37 PM Post #1 Summer Intern Group: Members Posts: 1 Joined: 6-December 05 Member No.: 1,029 Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks -- loanuniverse Dec 7 2005, 09:27 AM Post #2 Administrator Group: Admin Posts: 1,089 Joined: 23-September 02 Member No.: 1 Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. -- lelting Dec 14 2005, 10:48 PM Post #3 Full-Time Teller Group: Members Posts: 13 Joined: 13-November 05 Member No.: 971 I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV -- LenderBuddy Dec 15 2005, 10:55 AM Post #4 Head-Teller Group: Members Posts: 23 Joined: 11-November 05 From: San Francisco Member No.: 968 If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. -- « Next Oldest · Loanuniverse Forums · Next Newest » 2 User(s) are reading this topic (2 Guests and 0 Anonymous Users) 0 Members: Close Topic Options Track this topic Receive email notification when a reply has been made to this topic and you are not active on the board. Subscribe to this forum Receive email notification when a new topic is posted in this forum and you are not active on the board. Download / Print this Topic Download this topic in different formats or view a printer friendly version. Forum Home Search Help Community Forums |-- Loanuniverse Forums Lo-Fi Version Time is now: 29th December 2005 - 03:39 PM Invision Power Board v2.0.4 © 2005 IPS, Inc.

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