Buy Home

Buying a Home - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Buying a Home Information by State Esta página en español Print version Email this to a friend Counseling and Education Housing counseling agencies can give you advice about buying a home. Find a housing counselor near you. Common questions Homeownership videos More from HUD Mortgage glossary FHA mortgage limits HUD approved lenders HUD approved condos Healthy homes Environmental maps Energy info About appraisals Links Rural housing loan programs Loan programs for veterans Freddie Mac Fannie Mae US Postal Service Mover's Guide The homebuying process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! Nine steps to buying a home Figure out how much you can afford Know your rights Shop for a loan Learn about homebuying programs Shop for a home Make an offer Get a home inspection Shop for homeowners insurance Sign papers Step 1: Figure out how much you can afford What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The calculators below can help, but it is best to visit a lender to find out for sure. How much home can you afford? Buying vs. Renting Need help with your downpayment and/or closing costs? Homebuying programs in your state A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that downpayment! Find a housing counselor near you Step 2: Know your rights Fair Housing: Equal Opportunity for All - brochure Real Estate Settlement Procedures Act (RESPA) Borrower's rights Predatory lending Back to Top Step 3: Shop for a loan Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan. Looking for the best mortgage: shop, compare, negotiate - brochure Let FHA help you Step 4: Learn about homebuying programs Homebuying programs in your state FHA loan programs offer lower downpayments and are a good option for first-time homebuyers. Let FHA help you HUD's special homebuying programs Good Neighbor Next Door Program - for police officers, teachers, firefighters and emergency medical technicians Homeownership for public housing residents Indian Home Loan Guarantee Program (Section 184) Step 5: Shop for a home Choose a real estate agent Wish list - what features do you want? Home-shopping checklist take this list with you when comparing homes Homes for sale (including HUD homes) " Fixer-uppers " - home purchase and repair programs Manufactured (mobile) homes Build a home If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing. Back to Top Step 6: Make an offer Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale. Making an offer Step 7: Get a home inspection Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs. For Your Protection Get a Home Inspection Step 8: Shop for homeowners insurance Lenders require that you have homeowners insurance. Be sure to shop around. Homeowners insurance 12 ways to lower your homeowners insurance costs Step 9: Sign papers You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign! Settlement Costs and Helpful Information Content updated December 1, 2005 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Florida Real Estate

International Real Estate Digest (IRED) The Source for Independent Real Estate Information Find ANY word Find ALL words Find EXACT Help Search by PicoSearch -- -- The Directories Agent's Toolkit Appraisers Architecture Blogs Boards of Realtors® Builders Buyer's Corner Consumer Services For Sale By Owner Inspectors Law and Licensing Mortgage Finance Prime Locations Rental/Prop. Mgmt. Site Map Software True Agents Web-Biz The IRED Attitude Sri Lanka: Double prices for foreigners , Mitropolitski Alberta May Trigger Domino of Separation , Mitropolitski Waterless Grass = Artificial Turf , Lieberman Uruguay: Application for Richest Nations , Mitropolitski December Tips & Tricks , Peckham Pakistan: Initial Modernization Fever , Mitropolitski Atlanta's Luxury Condominiums , Springs Argentina: Recovery Pending Next Crisis , Mitropolitski Individual Property Websites , Mr. Internet Canada: From Rentals to Co-ops , Mitropolitski Attitude: Non-Confidence , Becky -- Index Attitude: Becky Blogs Archives: Pat Rioux, et al. Agency: Ray Wilson, et al. Berger Box: Michael Berger Blackstone Commentaries: Rodriguez Environmental Issues: Lieberman Held Together: Alice Held Housing: Henry Springs International Perspective: Mitropolitski Mortgage & Foreclosure Mr. Internet: Michael Russer Optimize Performance: Brotherton Plumbline: Joann Chokrach Real Estate Champions: Dirk Zeller RECyber: Jack Peckham Taxation: various Technology: Steven Canale Your E-Mail: Jim Swann FORECLOSED HOMES - From only $25,000, Free Search! [adv] Real Estate - Homes - NUMBER1EXPERTS Sell More! [adv] Brio Real Estate, Real Estate Listings, CA, MD, VA, WA [adv] Submit a Link | Boldface a link! | About IRED Send comments and new or broken link reports to For advertising info e-mail © 1995-2005 IRED.Com, Inc 817-481-4677 Fax-817-488-3693 -- Favored Sites: Gourmet Gift Baskets U.S. Legal Forms US Real Estate Forms Moving Companies VA Loans

Home Loan

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Sell House

For sale by owner: selling a house on your own Sell Your Home on YourOwn For Sale by Owner: Selling a House on Your Own Withthe potential rewards that can be gained--saving $4000, $8,000, $12,000 or more (minus your expenses) by not havingto pay a Brokerage commission, many people wonder why less than 20% of home sellers undertake the task of sellingtheir houses on their own. Possibly it has something to do with expertise. Many home owners who consider a selfsale of their house back off when they see the level of knowledge and commitment that is needed to do an effectivejob. If you decide, however, that self selling is the best option for you, you will find the vast majority of theinformation on this Web Site to be of value. Most of what you will find here will be geared to either doing thejob yourself or monitoring the job that your Agent is doing. The most successful home sellers are those who takean active role in the process, whether it is as a sale by owner or a sale by an Agent . If you feel that the bestroute is to sell your home yourself, then having as much information at hand is crucial. You will find many helpfulhints on this web site, but an excellent source of additional information is Kevin Wood's newly revised Real EstateSecrets . Kevin was a top producing real estate broker andowned two real estate companies. He has a strong opinion that the public is not getting their money's worth fromthe real estate industry. You can get more information on his Secrets Course here . Advantages Of Selling A House On YourOwn There is no Brokerage Fee (commission) to be paid. You receiveall of the proceeds (less marketing costs). This is, of course, the biggest benefit of selling your own house. You are in total control of the transaction. If mistakes are made, they are your own. There is no one elseto make mistakes "for" you. If your equity is low, you may be able to sell your house withouthaving to write a check. Youare always available at the home for showings, answering inquiries, etc. Disadvantages Of Selling A House On Your Own You must rely on your own instincts. All marketing and advertising costs are your own, which can be an expensive proposition. For an economical wayof marketing your home with a wide reach, visit ForSaleByOwner.com , whereyou can list your home online. Unless you pay to have your listing included, you will not have access to the MLS--the Multiple Listing Service.You must hunt for buyers one at a time. Without all the tools in hand, you may underprice or overprice the house. For information on getting price comparisonsfor your neighborhood, visit the HomePrice.net site . Or,if you're thinking about selling your home in the next 12 months, HomeGain.com has a FREE service that is designed to help you get an estimate of your home's value. Knowing how much your home can be worth is oneof the first steps in beginning to market the property. Click here for more information If you are not skilled in negotiation, you may leave money on the table. All of the paperwork, legal forms, etc. are your responsibility and must be handled by you. If you want to give maximum benefit to your efforts, your free time will be somewhat or severely limited. Many buyers believe that if you are selling on your own and not paying a commission, it is they (the buyers) whoshould get the saving--not you. As you approach negotiations, you must sever emotional ties with your house or you will place yourself at a disadvantage. You must become knowledgeable of legal and financial issues to be most effective. Online Marketing Resources Market your home at ForSaleByOwner.com Hints on Selling Your House on Your Own Don't scrimp on your house preparation. Remember, you will be in competitionwith house listed by Agents who will coach their sellers on all aspects of preparing their homes. Be aware of all legal requirements for disclosures in your area. Not disclosingnecessary information or not using the correct form could leave you open to legal action from a buyer. Become an expert in advertisingand marketing . Make your house stand out! Familiarize yourself with offers and contracts now--don't wait until you have one in your hand. Get maximum exposure. ForSaleByOwner.com offersa complete menu of services if you want to sell your home on your own. Packages available range from a comprehensivemarketing plan up to a complete deluxe package taht will market your property until it is sold and keep your home on the MLSand Realtor.com for 6 months. Clickhere for more information . Be aware of equal housing laws. Not only is discrimination stupid (you limityour potential market), it's illegal! If selling your house on your own appears to be your best option, the checklist will be of great value to you. If you feel that using an Agent may be the way to go, see the section devoted to finding and selecting an Agent . Get Kevin Wood's Free Report: 7 Critical Real Estate Secrets Name: E-mail: FreeHome Value Estimate ContractForms for All States RELATED TOPICS Selling your house with an Agent Evaluation and Feedback Sell on Your Own HOME | Checklist | To-Do Lists | Set a Value | By Owner | With an Agent | Preparation | Showtime | Research | More Links

Colorado Real Estate

2005 Approved Forms _________________________________________________________ Real Estate Commission-Approved Contracts and Forms Note: You must have the free Acrobat Reader software to view and print these Adobe Acrobat formatted forms. If you already have Acrobat Reader, it must be the 5.0 version, or better. Clicking on the link above will allow you to upgrade to 6.0. ** If you receive error messages, please try upgrading to 6.0** Some of the following forms are marked as Writable . Click here for instructions on how to use them. # = not required forms The following are the forms promulgated by the real estate commission and are within the purview of Rule F: LISTING CONTRACTS * LC50-04-05 Exclusive Right to Sell (All Types) * BC60-04-05 Exclusive Right to Buy (All Types) * LC53-04-05 Exclusive Brokerage Listing Contract (All Types) * LC54-04-05 Open Listing Contract (All Types) * LC57-04-05 Exclusive Right-to-Lease Listing Contract (All Types) * ETC59-10-05 Exclusive Tenant Contract (All Types) SALES CONTRACTS CBS1-07-04 Writable Contract to Buy & Sell Real Estate (Residential) CBS2-07-04 Contract to Buy & Sell Real Estate (Commercial) CBS3-07-04 Contract to Buy & Sell Real Estate (Vacant Land/Farm & Ranch) ADDENDA TO CONTRACTS CIC32-05-04 Common Interest Community Addendum to Contract to Buy and Sell Real Estate (Commercial or Vacant Land-Farm-Ranch) LB36-05-04 Licensee Buy-Out Addendum to Contract to Buy and Sell Real Estate EX32-05-04 Exchange Addendum to Contract to Buy and Sell Real Estate LP45-05-04 Lead-Based Paint Disclosures (Sales) LP46-05-04 Lead-Based Paint Disclosures (Rentals) LP47-05-04 # Lead-Based Paint Obligations of Seller LP48-05-04 # Lead-Based Paint Obligations of Landlord NTC43-05-04 Inspection Notice BDA55-04-05 Brokerage Duties Addendum to Property Management Agreement DISCLOSURE DOCUMENTS BD24-05-04 Brokerage Disclosure to Buyer BDD56-10-05 Brokerage Duties Disclosure to Seller (REO and Non-CREC Approved Listing Agreements CIC33-10-05 Common Interest Community Documents Receipt and Disclosure to Buyer SD16-05-04 Brokerage Disclosure to Seller (FSBO) DD25-05-04 Definitions of Working Relationships SPD19-10-05 Seller's Property Disclosure (All Types of Property) CS23-05-04 Change of Status SF94-05-04 Square Foootage Disclosure COUNTERPROPOSAL CP40-05-04 Counterproposal AGREEMENTS TO AMEND/EXTEND CONTRACT AE41-05-04 Agreement to Amend/Extend Contract AE42-05-04 Agreement to Amend/Extend Contract with Broker CLOSINGS CL8-05-04 Closing Instructions and Earnest Money Receipt SS60-05-04 Statement of Settlement SS61-05-04 # Worksheet for Real Estate Settlement TD-1000 # Real Property Transfer Declaration. EXCHANGE CONTRACT EX30-05-04 Contract to Exchange Real Estate (Simultaneous Exchange) DEEDS OF TRUST TD 72-05-04 Deed of Trust (Due on Transfer-Strict) TD 73-05-04 Deed of Trust (Due on Transfer-Creditworthy Restriction) TD 74-05-04 Deed of Trust (Assumable- Not Due on Sale) PROMISSORY NOTES EMP80-05-04 Earnest Money Promissory Note NTD82-05-04 Promissory Note for Deed of Trust (UCCC-No Default Rate) NTD81-05-04 Promissory Note for Deed of Trust OTHER FORMS Writable # Listing Firm's Well Checklist EMR83-05-04 # Earnest Money Release CICC-05-04 # Common Interest Community Checklist for Brokerage Firm 34S # Colorado Statutory Power of Attorney for Property For a list of Printers and Software Providers, click here Editor Note: At their April 5, 2005 meeting the Real Estate Commission voted to begin the transition to property listing and buyer representation forms that incorporate the "uniform duties" concept as printed in forms: LC 50, BC 60, LC 53, LC 54, LC 57 AND ETC 59. At the time of the printing of this Manual, the above-mentioned forms are available for use but not mandatory until January 1, 2006, at which time all of the "Listing Contracts" as printed in the 2004 Manual will be repealed. The individual "Listing Contracts" as printed in the 2004 Manual are acceptable for use until January 1, 2006. For reference to those contracts, please refer to the 2004 version of the Manual. Editor Note: At their October 4, 2005 meeting the Real Estate Commission voted to adopt the following forms: SPD19-10-05 SELLER'S PROPERTY DISCLOSURE (ALL TYPES OF PROPERTIES) ETC59-10-05 EXCLUSIVE TENANT CONTRACT (FOR ALL TYPES OF PREMISES) CIC33-10-05 COMMON INTEREST COMMUNITY (CIC) DOCUMENTS RECEIPT AND DISCLOSURE TO BUYER BDD56-10-05 BROKERAGE DUTIES DISCLOSURE TO SELLER (REO and Non-CREC Approved Listing Agreements) At the time of the printing of this Manual, the above-mentioned forms are available for use but not mandatory until January 1, 2006. Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised November 7, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)