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Amazon.com Electronics: Digital cameras, MP3 & DVD players, TVs, Computers & more Your Store Electronics See All 32 Product Categories   Your Account | Cart | Wish List | Help | Browse Brands & Products | Top Sellers | Camera & Photo | Computers | Software | Audio & Video | Today's Deals | Outlet, Used & Refurbished Search Amazon.com Electronics Refurbished & Used Camera & Photo Cell Phones Cellular Accessories Office Products Computers Web Search BROWSE Audio & Video DVD Players DVD Recorders Flat-Panel LCD TVs HDTVs MP3 & Digital Audio Plasma TVs Portable Audio & Video Receivers & Amplifiers Satellite Radio Speakers All Audio & Video Camera & Photo Camcorders Digital Cameras Film Cameras Memory Cards Photo Printers Prints, Sharing & More All Camera & Photo Cell Phones & Service Accessories Cell Phones Service Plans All Cell Phones & Service Computers Desktops Drives & Storage Handhelds & PDAs Laptops & Notebooks Monitors & Projectors Networking Printers Scanners All Computers Computer & Video Games Game Boy Advance GameCube PC Games PlayStation2 Xbox All Computer & Video Games Software Business & Investing Children's Software Graphics All Software More Electronics Accessories GPS & Navigation Inks & Toners Musical Instruments Telephones Two-Way Radios All Electronics Specialty Stores Early Adopters Gift Ideas Shutterfly Outlet, Used, & Refurbished Segway Human Transporter Today's Deals All Specialty Stores Hello. 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Real Estate Broker and

NYS DOS, Real Estate Professional Page NYS Department of State Division of Licensing Services F requently A sked Q uestions Applicants for Real Estate Broker and Salesperson Licensure Do I need to be licensed? Generally, Article 12-A of the Real Property Law provides that anyone who, on behalf of another and for a fee, 1) negotiates a sale, exchange or rental of real property, 2) collects rent, or 3) negotiates a commercial loan secured by a mortgage must be licensed as a real estate broker. What is the difference between a real estate broker and a real estate salesperson? A real estate broker is responsible for the supervision and conduct of the real estate brokerage business. He or she applies for and holds the license on behalf of the brokerage. This person is known as the "representative broker." A real estate salesperson works for and is supervised by the representative broker. The salesperson acts as the representative broker's agent. All listings, although perhaps negotiated by a salesperson, are accepted by the representative broker. How do I become a real estate salesperson or broker? In order to qualify for licensure as a real estate salesperson, an applicant must have satisfactorily completed a 45 hour salesperson qualifying education course in real estate approved by the Secretary of State, and have passed a qualifying examination administered by the Department. In order to qualify for licensure as a real estate broker, an applicant must have at least one year of experience as a licensed real estate salesperson or at least two years of experience in the general real estate field (e.g., buying and selling your own property, managing property owned by your employer), have satisfactorily completed both the qualifying salesperson course of 45 hours and an additional 45 hour real estate broker course as approved by the Secretary of State, and have passed a qualifying examination administered by the Department. Who licenses mortgage brokers? Anyone who negotiates or attempts to negotiate any mortgage loan other than a mortgage loan on residential property, in the state of New York, is required to be licensed as real estate broker, or as a salesperson associated with a real estate broker. This license is issued by the NYS Department of State. To negotiate a mortgage loan on residential property (one to four family building) registration with the New York State Banking Department is required. If I am a real estate management company, do I need a real estate broker's license? That depends on what services you provide. If you collect rent or place tenants in vacant spaces on behalf of your landlord client, the answer is yes. If, on the other hand, your services are strictly maintenance, the answer is no. you are not acting as a fiduciary (not handling another person's money). Whom do I call if I am not sure whether I completed my 22.5 hours of continuing education during my license term? Contact the school(s) you attended. Schools are required by law to maintain course completion records for three years. You may request duplicate certificates from the school(s) in the event you are audited. In order to renew my salesperson license, I completed the 45-hour broker qualifying course. Can I apply the extra 22.5 hours to my next license term? No. The law clearly states that continuing education must be completed within each license term. I could not complete the continuing education, but I wish to renew my license anyway. Can I apply for an extension? Please refer to §177.6 in the real estate law booklet. Extensions will only be granted in bona fide hardship cases. You must submit the following, preferably prior to your license expiration: a written request for the extension, completed renewal form, fee, and original documentation demonstrating your hardship; i.e. , medical documentation. I think I might be exempt, but I am not sure when I originally became licensed. Can you tell me when I was first licensed? No. The Department of State only maintains seven years of real estate records. You may possibly determine your original date of licensure if you know when you completed the salesperson course and how long it took you after completing the course to apply for your license. What happens if I do not complete my continuing education and don't renew my license? If you do not renew your license, you cannot conduct any real estate activities that require a New York State real estate license in accordance with Article 12-A of the Real Property Law. There are no grace periods that allow you to continue working while not licensed. You have two years from the date your license expires to renew your license. If you fail to renew within that period, you will be required to pass the state written examination. No continuing education will be required to repeat the licensing process again. When you submit your new salesperson application, you must include the following: your new examination results, application fee, and a copy of your expired license/pocket card or ORIGINAL proof of completing the salesperson course. If possible, it is better to submit original proof of your salesperson course. If you do not have an original certificate, then call the school where you took the course to request another certificate. If you are applying for your broker's license, you must submit ORIGINAL proof of your 45-hour salesperson course and 45-hour broker course, or a copy of your expired broker's license. How do I obtain a waiver from the 45-hour salesperson or 90-hour broker course requirement? You must submit a written request stating the waiver you are applying for along with ORIGINAL proof of course completion, a detailed outline listing topics and hours, and a course description. We only review prelicensing courses from other states that were completed in a classroom setting. (No home-study/correspondence courses.) The prelicensing salesperson's course must be at least 45 hours of classroom instruction and the broker's course, 90 hours. In addition, if you have graduated with a Master's Degree with a concentration in real estate, you may qualify for a 90-hour waiver of the qualifying courses. Please submit an official transcript with your waiver request. If you are granted a waiver, you will receive the waiver letter, the license application, real estate law booklet, and examination schedules. When you are ready to apply for your license, please submit the ORIGINAL waiver letter with your application, fee, passed examination results, and any other required documents. I have been a real estate licensee for many years. Am I exempt from the continuing education requirements? Article 12A statutorily requires all real estate brokers and salespeople to complete 22½ hours of Department of State approved education within their two-year license period prior to the date of expiration. The law does provide for an exemption from this requirement for a real estate broker who has 15 consecutive years of combined licensure as a salesperson and a broker and who is actively engaged in the real estate business as a real estate broker at the time of renewal, or an admitted NYS attorney. Where do I get more detailed information? You may access pertinent law and regulations, applications and exam schedules from this website. You may also request this or other information by calling a Division of Licensing Services customer service representative at (518) 474-4429 or by writing to: New York State Department of State Division of Licensing Services 84 Holland Avenue Albany, New York 12208-3490 [ NYS Department of State Home Page ] [ Licensing Services Menu ] [ Real Estate Professionals Page ]

home mortgage programs since

AAMI.net offers Option Arm MTA Index and COFI and COSI and CODI and LIBOR real estate mortgages American Advantage Mortgage, Inc. (AAMI) is an on-line deep discount Mortgage Broker specializing in Option Arm mortgages including the MTA Index and Cost of Funds Index (COFI), Cost of Savings Index (COSI), the LIBOR Index and CODI Index real estate home mortgage programs since 1993. AAMI has a dedicated turn-key system which will Educate, Process, and Close your refinance mortgage or first mortgage in the shortest amount of time. AAMI is one of the original internet Mortgage finance companies going online in early 1995. By keeping our phone calls and overhead down, we can offer competitive rates and fees, but still offer personalized service via the Internet utilizing e-mails, Live-Chat, e-faxes, LTrack and our website. One of our main goals is to educate our potential Borrowers on their chosen mortgage program before, during, and after Settlement by continually updating our website with relevant information concerning each mortgage program. Last year AAMI closed over $16,000,000 in Option ARM mortgages without physically meeting a single client; communication was mainly via e-mails. We didnt start out as an internet company, though. Having worked in the mortgage industry for years, our people bring a level of expertise, professionalism and customer service that other internet companies simply cant match. As an internet company run by mortgage professionals, we can offer you the chance to refinance or purchase your home online at substantial savings over traditional mortgage or banking retailers. Obviously, you will save more money by gaining as much information as possible about your potential mortgage terms and Conditions and Closing Cost before your commit to a certain mortgage Broker or Banker. That is why we have placed the actual cost including the Margin, Life Cap, Points, etc. for all to see; there is no guessing and no sales calls. HOME ABOUT US INDEX MORTGAGES INSPIRED DESIGN WEB SITE DESIGN

Real Estate Loan

Century 21 Real Estate: home buying, home selling, financing and property listings. español Put My Century 21 to work for you, simply register your email address and create a password. Once you're registered, you'll be able to • save property descriptions • store your search criteria • file agent information • build a custom library Find out more or register now! Already registered? Sign in . -- Welcome to Century 21 Real Estate Century 21 Real Estate is your online resource for home buying, home selling, financing and property listings. Whether it's a house, condo, or any other type of property, we can assist you with your real estate needs. Search for Properties Looking to buy a new home, condo or any other property? Search thousands of properties in our real estate listings. Search Property Listings » First Time Homebuyers Guide » View Our Buyer Service Pledge » International Century 21 Real Estate LLC is part of the largest real estate referral network in the world - with over 110,000 brokers and sales associates in over 30 countries and territories. Access our world offices today» Sell a Property Let our real estate agents create a customized marketing plan to sell your property. List your Property » View Our Seller Service Pledge » View Mortgage Rates View current mortgage rates, apply for a home equity loan, crunch numbers with home mortgage calculators and more! Apply for a Mortgage Now» Use Our Mortgage Calculators » Find an Office or Agent Find and contact a CENTURY 21 Office or Agent to handle your real estate needs. Find an Office or Agent » Quick Vote! Your vote counts! Let us Know Where do you spend the most time? Bedroom Living Room Kitchen Bathroom Dining Room ©2005 Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each CENTURY 21 Office Is Independently Owned And Operated. All rights reserved. Information appearing on this site has been produced by or obtained primarily from Century 21 Real Estate LLC and its representatives and from CENTURY 21 franchisees. Century 21 Real Estate LLC is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided by our franchisees appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Terms and Conditions of Use.

Sell House

Sell House Home Sell a Home Buy a Home Services Mortgages City Profiles Appraisals -- Why sell your home by owner? Less hassle and frustration: When selling a home by owner, you don't have to leave the house because a Real Estate Agent wants to show it, or clean it every morning before leaving "just in case". You know when potential home buyers are coming, and can therefore prepare accordingly. And when a home buyer makes an offer, there's not all that frustrating back-and-forth telephone tag between real estate agents to reach an agreement. It can be done in minutes, and end with a friendly handshake and smile between the buyer and seller. "You can "sell your home" better than anyone else: You know your house best. The schools, the neighborhood, what is special about the area and the home, as well as other details about the house. A well-maintained, fairly priced home can virtually sell itself; your role is to simply provide additional information. Sell for a price on your terms; You're in control: Nobody is going to tell you what to sell for. You can advertise where and how you want to (not sit by in frustration because "they're not doing enough"), schedule showings when it's convenient for you, talk directly with prospective home buyers at your leisure, even take your home off the market for awhile if you can't find the right house for you. You aren't obligated to a 3, 6, or 12 month contract... you make your own rules. More $$$ in your pocket: Calculate 6-7% of what you think your house is worth, then ask yourself: is it worth paying this much to have someone else show my property, act as a go-between to negotiate the sale and coordinate the home's closing schedules with the lender, lawyer or titles company (dependent upon your area of the country). Sell your home fast: If you list your home with a real estate agent, you'll probably inflate the house's asking price to cover the cost of the commission. Two to four months later you'll come to the painful realization that no one is going to buy your home at that price, and you'll likely end up reducing the price (or accepting an offer) equal to the original amount you would have asked if selling on your own. Do it right the first time, and avoid taking the loss. Less uncertainty: Because you meet the prospective home buyers, you have a much better idea how interested people are, what they like about the house, how serious they are about buying and what their timeframe and situation is. The direct feedback is easier to live with than wondering how things are going, or worse, why no one has made an offer yet. It's easy: If you can sell your own car, you can sell your own home... it's that simple" said one of our home sellers. And he's right, once you find a buyer, lenders, lawyers or title companies take over (depending on your area of the country). And For Sale By Owner websites are now your best advertising resource for commission free home selling. Privacy & Disclaimer Partner With Us Career Opportunities Press Room Contact Us Terms and Conditions © 1997-2005 For Sale By Owner.com Site Map