Land Loan Tools  

-- Indymac Bank Construction Lending Indymac Bank home   |   about us   |   contact us   |   privacy   |   ID notice   |   security   |   careers    1-800-HCL-LOAN (425-5626)   HCL for Individuals   Main Page   Get To Know Us   Get Started Now!   My Project Application   My Loan Information Loan Products   ·   Construction-to-Permanent Loan   ·   Remodeler Loan   ·   Bridge Loan ·   Lot/Land Loan Tools   ·   Line Item Budget Calculator Find A Builder --   ·   Cost To Build Calculator -- Event Calendar -- Help   ·   FAQs   ·   Glossary Customer Service --   ·   Contact Us Lot/Land Loan Found the perfect location to build your dream home ...and now you need the perfect loan? Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Indymac Bank will fund your Construction-to-Permanent Loan once you're ready to build. · Loans to $500,000. -- Frequently Asked Questions Check to view all answers. Q. How do I know where I should build my home? A. Location may be one of the most important factors to consider. Although many people have a geographic location in mind, some are open to alternatives. It's important to consider your lifestyle (and those you'll be living with) as well as the cost. If you're planning a family, schools will be important. If not, you may want to consider other factors such as proximity to work, or accessibility to the beach, the mountains or leisure activities. Q. What is a "finished lot"? A. A "finished lot" refers to a portion of land that already has road access and utilities in place to the lot boundary. Additionally, it has been approved by the city or county as a separate parcel of land on a parcel map. Q. Can I buy a piece of land that is not a finished lot and save some money? A. While it may be possible to purchase an unfinished lot, generally this is not advisable for an individual building their own home. The costs of bringing roads and utilities to the first lot in a new area are usually very high. Typically, the first person to build pays for others who will build later. There are land developers who specialize in preparing lots for building (this may include zoning and/or soils issues, as well as bringing roads and utilities to the site, and creating a building pad). Often, these lots are in a planned community. Q. What do you mean by "planned community"? Aren't all communities planned? A. No, many older communities were not planned; they evolved. Certainly, as a city has grown, plans have taken shape. But in many cases the nucleus of a community was started many years before the community or city planning existed. In many instances, it is this unplanned characteristic that gives a community its charm. A planned community, in contrast, generally offers a specific style and certain amenities at a package price. Depending on the size and location of the community, these amenities may include greenbelts, landscaping, biking trials, swimming pools, even schools and shopping centers. Some amenities, such as the community pool and greenbelts, are paid for through a homeowners' association. Others are paid through taxes or mello roos. Still others are design enhancements intended to encourage potential buyers to purchase in an area or to attract more commercial business. Many of the more costly amenities included in a planned community may not be affordable for a homeowner on an individual basis. However, some of these amenities may not be important to you. After all, priorities, like lifestyle, vary. If you select a home in a planned community, you'll generally have a more structured community where decisions are made jointly rather than by the individual homeowner. These community decisions include individual home design and landscaping. While some homeowners may consider this an acceptable trade-off to ensure an attractive environment, others may consider it an infringement on their rights. It's important that you know how you feel before selecting the type of lot you want. Q. Can tax bases differ within the same community? A. Yes, they can. While some cities already have parks, schools, and streets, newer communities built within the same city may have special assessments that cover the costs to develop or maintain new or existing parks, schools, streets, etc. These assessments may be for a prescribed period of time or may continue indefinitely. A little research goes a long way. Here again, a good real estate agent or title company officer can often provide you with this information. Q. I've found the perfect location, but I'm not ready to build my dream home. Can I obtain financing for the land only? A. Yes, you can obtain a Lot Loan. Typically, this is short-term financing for the purchase of a residential lot suited for future construction. This loan allows you time to select an architect, builder, and design your dream home. IndyMac Bank's Lot Loan program allows you to finance up to 50 acres. And when you're ready to build, we offer a one-time close Construction-to-Permanent Loan. ^ back to top Still have questions? Call toll-free 1-800-HCL-LOAN (425-5626) to speak with a construction loan specialist, or downloada copy of our booklet (pdf) that answers the most frequently asked questions about building your own home. Information Center · Glossary · FAQs -- FAQs · Get To Know Us · Building Your Dream Home Magazine (pdf) · Owner Builder Guide (pdf) Consumer Guide to Construction Financing (pdf) Did You Know A Construction Loan Is A Reimbursement Loan? (pdf) subscribe now -- Get Started Now! Apply online 24 hours a day, 7 days a week, and get a loan approval in minutes! get started -- e-mail/mail us | 1-800-HCL-LOAN (425-5626) Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback -- ©2005 IndyMac Bank, F.S.B. Registered trade/service marks are the property of IndyMac Bank, F.S.B. and/or its subsidiaries.

New Home

Victoria University of Wellington Site Map | Glossary | A-Z of Victoria University Sites | Planned Web Outages On Tuesday 27 September, from 8.15pm to midnight, there will be a website outage. »Read more -- Information For: › Prospective Students › Enrolling Students › Current Students › Mature Students › International Students › Māori Students › Pacific Students › Prospective Staff › Current Staff › Alumni › Donors › Employers › Media › Visitors Quick Links › Library › Online Enrolment › Timetable Information › Course Catalogue › PostgradLife › Jobs at Victoria › Marae › Staff Directory › Victoria Events › Contact Victoria Welcome to Victoria University of Wellington New Zealand Te Whare Wananga o te Upoko o te ika a Maui Aotearoa Subjects & Degrees Subjects Offered at Victoria Undergraduate Degrees Postgraduate Degrees Course Catalogue Summer Trimester Short Courses About Victoria News Publications University Calendar Maps, Transport & Parking Org Charts and FAQs Policy Faculties & Schools Architecture & Design Commerce & Administration Education Humanities & Social Sciences Law Science Toihuarewa A-Z List of Schools Research at Victoria Research Overview Recent Research Projects Māori-related Research A-Z of Centres & Institutes Studying at Victoria Admission & Enrolment Degree & Course Advice Fees 2006 Dates & Deadlines Distance Learning Scholarships & Prizes Student Notes & Textbooks Careers Student Life Student Services Facilities & Resources Student Clubs Arts & Culture -- Enrol Online Now Online enrolment for 2006 is now available. Summer Trimester 2005 Many summer trimester 2005 courses are still open for enrolment. Check out the details. PostgradLife Find out about life as a postgraduate student at Victoria. Victoria News: › More News Site Map | Glossary | A-Z of Victoria University Sites Contact Vic | Disclaimer | About This Site | Request a Change | Site Accessibility Page Updated: 22/9/04 © 2004 Victoria University of Wellington, New Zealand

Las Vegas Real Estate

Las Vegas Real Estate Homes, houses for sale in Nevada. Top requests: 1. New homes 2. Resale homes 3. Las Vegas Communities 4. Las Vegas Real Estate News NEW HOMES - NEW HOMES - NEW HOMES - NEW HOMES Search all Brand-new homes online! The Top New homes Builders in Las Vegas - See Photos and Floor plans - Visit the Communities - Request a List of Homes that match your Criteria. Start your search for Las Vegas NEW homes here. RESALE HOMES FOR SALE - RESALE HOMES FOR SALE All Las Vegas Resale homes online! Here is the access to all houses for sale listed by real estate agents in Las Vegas and Henderson, Nevada. If you wish you can ask for more details about any home you like. We will send you more pictures if available and also address and direction. . Multiple listings service (MLS) is database used by REALTORs for listing homes for sale. Here is your access to the database of nearly 9,000 RESALE homes and 5,000 condos in Las Vegas and Henderson. New Luxury Condominiums! Vegas Grand Panorama Towers Metropolis Luxury Condos Turnberry Place Las Vegas Golf Communities Desert Shores Summerlin : Las Vegas HUD and VA U.S. Government Owned Homes There are two types of U.S. Government owned homes: HUD and VA. HUD and VA homes can be a great investment for potential home owners and real estate investors. Often times, the properties can be purchased at a significantly reduced market value... Peccole Ranch and The Lakes Peccole Ranch is located just South of Summerlin and is comprised of 12 communities, 5 of which are gated. Peccole Ranch also features a community clubhouse that can be rented out for large parties... Las Vegas Real Estate Info Information about homes and real estate in Las Vegas Henderson Homes Above $150,000 Commercial Rent Increases Property Tax Reminder Sales Increase on the Internet Pay Click Advertising Call toll free 1-866-580-1919 Teresa Liles 702-524-1313 email RE/MAX Associates Don Liles 702-683-4673 email More Contacts Moving The Las Vegas Valley One Family at a time! We service Las Vegas, North Las Vegas, Henderson, Boulder City, Summerlin, The Lakes, Desert Shores, Eldorado Hills, Rhodes Ranch, Siverado Ranch, Green Valley and Southern Highlands, NV and surrounding areas. Las Vegas Homes and Real Estate. Link to us! Email us now!

BUY PROPERTY IN TURKEY

British Embassy, Turkey Settle, Work or Buying Property in Turkey Short cut.. Contact Us Doing Business with the UK Events Foreign & Commomwealth Office HM Ambassador Passports Services for UK Companies Travel Advice Visas What the consul can and cannot do for you Using mobile phones Consular Registration Form Online Consular Registration Britons applying for residence in Turkey Consular Fees Notarial Acts Marrying in Turkey Settle, Work or Buying Property in Turkey Birth Registration English speaking lawyers Hospitals in Turkey Complaints Overseas voter registration REQUIREMENTS FOR BRITISH NATIONALS WISHING TO   SETTLE, WORK OR BUY PROPERTY IN TURKEY   UK Nationals who wish to visit Turkey for less then 90 days may obtain a tourist visa by presenting a valid UK passport at any of Turkey's ports of entry.  A £10 visa fee, payable in cash only, is the only requirement.   All other UK nationals who plan to stay in Turkey for more than 90 days must first obtain the appropriate visa from a Turkish Embassy or Consulate prior to arrival. Please access the Turkish Embassy website: www.turkconsulate-london.com for more information.     RESIDENCE IN TURKEY     (a)    Residency Permits are obtained AFTER arrival in Turkey. Formal application must be made to the police authorities of the province in which you reside, or to the Aliens department of the Police in Ankara, if no fixed abode in Turkey is intended. HOWEVER, well BEFORE your departure from the UK, you should contact the Turkish Embassy in London for information on requirements for residency and for information about importation of your household goods or car. Please access the website www.turkey.org/consularservices/forms/. for further details.     (b)   A RESIDENCE PERMIT IS AN ABSOLUTE NECESSITY BEFORE YOU CAN CLEAR ANY PERSONAL GOODS/CAR FROM TURKISH CUSTOMS. THEREFORE AN APPLICATION FOR A RESIDENCE PERMIT MUST BE MADE in Turkey within one month from the date of your arrival to Turkey.     (c)    On first application, residence permits may be issued for a two-year period, thereafter for a maximum of five years at any one time.     (d)   Please note that recent changes in Turkish legislation relating to the calculation of residence permit fees for foreigners living in Turkey, has resulted in huge increases, based on 50 million TL for the first month and 30 million for each subsequent month. For example, a 2 year, permit currently costs 740.000.000 TL plus a booklet fee of 65.000.000 TL, and a five year permit 1.820.000.000 TL, roughly equivalent to £335 and £785 respectively.     The Embassy has written to the Turkish authorities asking for a review, with a view to reducing these fees.         EMPLOYMENT IN TURKEY   A Work Permit is required for employment in Turkey.  These permits are issued by the Ministry of the Interior in Ankara.  We again strongly advise those wishing to take up employment in Turkey to contact, before travelling, the Turkish Embassy in London and/or their prospective employer in Turkey about the procedures for obtaining a Work Permit or access the Turkish work permit website www.csgb.gov.tr     REQUIREMENTS FOR TURKISH WORK VISAS     Companies seeking to employ UK nationals in Turkey must first obtain approval from the Turkish Ministry of Labour and Social Security to hire foreign citizen employees.  Prospective employers may obtain application forms for work permits at www.csgb.gov.tr. Completed applications should be returned to the Ministry of Labour and Social Security at Inonu Boulevard No 42, Eskisehir Yolu, Emek, Ankara, Tel: (0312) 296 60 00.   Upon approval from the Ministry of Labour and Social Security, the UK national, employment candidate must next apply for a Turkish work visa.  Work visa requirements, instructions and application forms are available through the Embassy of the Republic of Turkey website at: www.turkishconsulate.org.uk     PURCHASE OF PROPERTY IN TURKEY   "FLASH MESSAGE"   Current legislation applicable for foreigners, who wish to purchase land or property in Turkey, has been ruled to be unconstitutional by the Turkish Constitutional Court. The amended law, which was presented before the court, has unfortunately been rejected. Therefore, until the law is ratified and approved by the Parliament any applications made by the foreigners to the land registry office will NOT be processed. (as announced by the General Directorate of Land Registry Office on or about 26 July 2005)   Unfortunately, we have not been given a time scale when the matter may be resolved. If you have any further enquires the time scale, please contact the local land registry office for updated information.      PREVIOUS RULES FOR PURCHASE OF PROPERTY FOR GUIDANCE:   DO NOT PURCHASE PROPERTY WITHOUT FIRST CONSULTING AN ENGLISH SPEAKING TURKISH LAWYER FOR BEST ADVICE.   The Embassy website: www.britishembassy.org.tr has details or access the Turkish Attorney's Paralegal online www.tapo.co.uk.   British citizens may purchase property in Turkey, subject to the following conditions:   (a) The property can be paid for in either Turkish lira or foreign currency. There are also no restrictions about the transfer of foreign currency or Turkish Lira from a Turkish or foreign bank.   (b) Applications should be made to the District Land Registry office (Tapu ve Kadastro Mudurlugu), when a suitable property for purchase is found.   A recent change in Turkish legislation (i.e. on 19 July 2003) now permits foreigners to buy a property outside the boundaries of a municipality, i.e. council district (Belediye) and within a village or rural area. However, it is still necessary to obtain permission from the Military, prior to purchase.   Note: Turkey and the UK have a bilateral agreement to avoid double taxation. Tax of the property in Turkey is payable to the Turkish tax authorities as the relevant law requires.     INVESTMENT IN TURKEY   5.      Prospective Investors, requiring information about the Manufacturing and Service Sectors may contact British Trade International, Turkey Trade Unit, Kingsgate House, 66-74 Victoria Street, London, SW1E 6SW, Tel: +44 (0) 207 215 5000, email: mick.essex@dti.gsi.gov.uk or www.tradepartners.gov.uk.    You may also contact The Turkish Authority responsible for foreign investment in Turkey, the General Directorate of Foreign Investment (GDFI): Hazine Mustesarligi, Yabanci Sermaye Genel Mudurlugu, Inonu Bulvari, 06510 Emek - Ankara, Tel: +90 (312) 204 60 00, Fax: 90 (312) 212 8916 email: ybsweb@pm.treasury.gov.tr or www.hazine.gov.tr/english/ybsweb/index.htm.    Other web sites you may find useful; -   The British Embassy, Ankara, Turkey www.britishembassy.org.tr   -         Prime Ministry, Undersecretariat of Foreign Trade www.foreigntrade.gov.tr   -         Prime Ministry, State Planning Organisation www.dpt.gov.tr   -         Foreign Economic Relations Board www.deik.org.tr   -         Association for Foreign Capital Coordination www.yased.org.tr   -         Privatisation Administration www.oib.gov.tr   -         Turkish Attorneys Paralegals Online www.tapo.co.uk/real estate law/default.asp   Those wishing to establish a business in Turkey should consult a Turkish lawyer. Details of English speaking lawyers for Ankara, Istanbul and Izmir are available at the Embassy web site.   THIS LEAFLET HAS BEEN PREPARED BY HM CONSUL IN ANKARA FOR THE CONVENIENCE OF ENQUIRERS.  ALTHOUGH ALL CARE HAS BEEN TAKEN IN ITS PRODUCTION, NEITHER HER MAJESTY'S GOVERNMENT NOR ANY CONSULAR OFFICIAL IN THE BRITISH EMBASSY IN ANKARA TAKE ANY RESPONSIBILITY FOR ITS PRECISE ACCURACY OR FOR THE CONSEQUENCES OF ANY ACTION TAKEN IN ACCORDANCE WITH ITS CONTENTS.       Consular Section British Embassy Ankara – August 2005

real estate broker too

Feds probe real estate agents - Apr. 22, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | Feds probe real estate agents Money magazine investigation shows Justice Dept. looking into anticompetitive practices. April 22, 2005: 5:27 PM EDT By Jon Birger, Money Magazine NEW YORK (CNN/Money) - Did you pay your real estate broker too much? The U.S. Department of Justice may be set to turn Tulsa, Okla. into a test-case for ending the stranglehold 6 percent commissions have over the real estate brokerage business. MONEY has learned that Justice's Antitrust Division is gathering information on the bully tactics that full-commission brokers in Tulsa allegedly use against their discount rivals to discourage commission-cutting. The probe follows other recent efforts to spur competition in the real estate industry. According to a copy of a Justice Department subpoena obtained by MONEY, federal investigators are seeking information on "possible anticompetitive conduct in the provision of real estate services in the Tulsa area" as well as "documents related to refusal to cooperate on real estate transactions." An Antitrust Division spokeswoman confirmed the existence of the investigation but declined to provide additional details. Al Unser, executive director of the Greater Tulsa Association of Realtors said: "We received a CID [civil investigative demand] from the Justice Dept. and we have responded." Economists who study real estate, such as the University of Cincinnati's Norm Miller, believe anti-competitive behavior is the primary explanation for the persistence of the 6 percent commission. J.D. Smith and Bob Meyer are two Tulsa discount real estate agents who say they were interviewed by federal investigators. They say the investigators wanted information on full-commission agents' alleged refusal to show home-buying clients properties listed by discount brokers -- a tactic known as boycotting. Boycotting exploits the one major weakness of the multiple listing service. The MLS's upside is that it centralizes all homes for sale in a single electronic marketplace that can be accessed by all agents -- and these days by Web-savvy consumers as well. The downside is that brokers must depend on one another to help sell their homes, and that discourages them from undercutting each other's commissions. While boycotting the listings of discounters is generally considered an antitrust violation -- if undisclosed, it's also a breach of fiduciary duty to clients -- industry insiders are well aware that boycotting goes on, even if they claim not to condone it. For Smith, the Feds' investigation comes a year or so too late. His realty business on the brink of ruin, Smith recently abandoned discount brokerage and went back to charging 6 percent. "In one week," Smith said, "I've had more showings and more offers from other realtors than I had in the previous two months." The Tulsa investigation is part of an ongoing Antitrust Division foray into the sharp-elbowed realty world. In March, the Antitrust Division sued the Kentucky Real Estate Commission over a state law that prohibits real estate brokers from offering commission rebates to consumers. More recently, Assistant Attorney General R. Hewitt Pate sent letters to lawmakers and regulators in Oklahoma and Texas, urging them to reject proposals that would effectively prohibit brokers from engaging in limited-service or fee-for-service realty -- such as listing a home for sale on the multiple listing service for a flat fee of $500. Bruce Hahn, chairman of the American Homeowners Grassroots Alliance, argues that state prohibitions on rebates and fee-for-service discourage competition and inflate commissions paid by consumers. "We've talked to Justice, and we think what they're doing is tremendous," he said. E-mail Jon Birger at jbirger@moneymail.com. The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Real Estate Antitrust Division Corporate Governance Oklahoma or Create your own Manage alerts | What is this?