Real Estate Investing Online.

Pre-foreclosure homes a remarkable Investment opportunity in real estate. SW018 Get Your 7 Day free Trial Here Access bank pre-foreclosures Free for 7 days for Florida and N.Y. counties! Access bank foreclosures and government foreclosed properties. Outside of Florida and New York. Free for 7 days!” Info About Our Online Tax Lien & Deed Course Seminar Info Our clients/users have instantaneous access to information regarding pre-foreclosure properties. They receive information on pre-foreclosed properties (Lis Pendens) that can make them a lot of money in a very short period of time. They capitalize on property that someone else is losing while helping them save their credit rating. They receive information on pre-foreclosure properties before they are sold at an auction to the highest bidder for Cash. They have access to pre-foreclosure property information such as Plaintiff, Defendant, Complaint, Amount financed, and much more . Anyone can capitalize on one of the best investment opportunities in the market, and in the world, Real Estate . Get Your 7 Day free Trial Here What is REIO? Hello, welcome to Real Estate Investing Online. "REIO" is an Internet based service that provides information regarding pre-foreclosure properties. Are you looking for the information to capitalize upon a premium investment opportunity in foreclosure homes? Are you looking to buy a new home, has commission, closing cost, and down payment changed that consideration ? If so, "REIO" can help! 1st Stage Of Foreclosures: we provide lis pendens for Florida and New York. You can contact the the property owners and buy or reinstate the mortgage. 2nd Stage in Foreclosure Sheriff Sales: We provide a sheriff sales list for Florida and New York. The Property owners are more motivated to sell three weeks prior to auction. 3rd Stage in Foreclosure Bank Reo’s or Foreclosed properties: Owned by the banks. The banks usually list the properties with a Realtor. Example of foreclosed properties are HUD homes, which are government owned homes. Pre-foreclosure homes : a remarkable Investment opportunity To illustrate the benefits of using this service, consider the story of that fictitious man named John Doe. John, like many others, had the misfortune of losing his job and having been late on his mortgage. Fortunately, you can benefit from John's misfortune while helping him at the same time. For instance, suppose Mr. Doe owes $50,000 on his mortgage and his home is currently appraised at $100,000. You could buy the home from Mr. Doe for $75,000 , have him pay for some of the down payment and closing costs, and sell the home for $100,000 without having to pay capital gains tax (considering you buy a house for equal or greater value within 2 years) . Another way that the both of you can benefit is by Quit Claiming the property into your name and taking over the payments of the current debt. Clearly you and Mr. Doe are in a better position as a result of this transaction. Mr. Doe is not only relieved of his debt, he is also financially better off. You are not only financially better off: you also help another person like Mr. Doe. Although this transaction has great benefits it also has some costs. Arranging this transaction can take much time and effort. This is where REIO can help you. We provide our members with all the information necessary to put together a transaction like the one illustrated above. If you are someone who is frustrated with their current job or are looking for the opportunity of a lifetime we can also help. all you need to do is contact us at Support@foreclosure-homes.com Therefore, start using REIO and let us help you start investing toward a better future. Home Evaluation Request Mortgage Calulator New Ocean View Pre-Forclosure Available Now! Get Your Free Insurance Quote From Get Your 7 Day free Trial Here click here for database help Become A User!

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Smartmoney.com: Consumer Action: Ten Things Your Real Estate Broker Won't Tell You Thursday December 29, 2005 3:23 PM ET U.S. Markets close in: :37 Search (choose an option below) Quote Charting Earnings Ratings Competition Financials Profile Key Statistics Insiders Site Search News (Enter Symbol) advanced search SmartMoney Select My Portfolio Tools Maps Stocks Advanced Trading Funds ETFs Personal Finance Autos Career Journal College Planning Debt Management Health Care Insurance Life LTC Insurance Real Estate Retirement Tax Guide Economy & Bonds Small Business SmartMoney TV SmartMoney Magazine SmartMoney University Business Travel Technology SmartMoney Mobile Holiday Survival Guide Select Homepage Stock Screener Market Map 1000 Fund Screener Stock Compare Fund Map 1000 Fund Compare XStream Quotes More... 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Editor's Picks Features Ten Things Real-Life Index Advertisement 4.25% APY with hsbcdirect.com Online Savings. Earn 8X the national savings average and make money into big money. No minimums. No monthly fees. Member FDIC. Email This Story Print This Story Save This Story Send Us Your Comments Add this column to your News Alerts (New!) 1. "Your open house is really a party for me." Hire a real estate broker to sell your home and one of the first things he'll likely suggest is hosting an open house, so potential buyers can casually check out your property on a weekend afternoon. While open houses are promoted as a great way of finding a buyer, a National Association of Realtors study found that their success rate is a mere 2%. No matter. Having an open house serves another important purpose — for the broker. "It gives him a database of clients," says Sean McNeill, an independent real estate broker based in New York City who says that he doesn't like open houses, preferring to match clients with appropriate buyers. "At open houses, you get all kinds of people walking in. Some are [trying] to see how much they should sell their own places for; others just want to get a look at what's out there." All are perfect pickings for a broker looking to increase his roster of buyers and sellers. "Think about it," McNeill says. "The broker is devoting a couple hours of a weekend. He won't do that unless it helps him in a big way." 2. "My fees are negotiable." Brokers like to make it sound as if their fees are engraved in stone, but that's rarely the case — especially in a brisk market, when brokers fiercely compete for properties they can unload fast. This past summer one broker in the Midwest says he lowered his fee by a full percentage point because there was so much demand for good properties that he needed leverage. Indeed, says the broker, who asked not to be named, sellers should shop around for broker's fees. He suggests these negotiating tactics: "If somebody's willing to commit to me for selling one place and buying another, I give a discount. If you're in a particularly desirable neighborhood with a house that will bring a lot of traffic" — say, at an open house — "that can be used, because the broker will use the flow of people to get potential customers. And with some [smaller] brokers, all you need to do is ask and they'll lower the commission." 3. "Think you've had no offers? Actually, there've been several." Legally, the broker you hire to sell your home is obligated to tell you about all offers that come in. In reality, some don't. Perhaps he thinks the offer is insultingly low for you, but more likely, "the broker thinks it's too low for his own purposes. He wants to hold out for a bigger commission," says McNeill. Or else there's an outside broker (or "co-broker") circling your house, and the primary broker is waiting for one of his own clients to make an offer so he can keep the full 6% to himself. "You must be clear with your broker that you want to be informed of all offers," McNeill says. "Otherwise, you may be leaving him to make decisions that you should be making." Check the listing agreement drawn up when you hire the broker; if the promise to disclose all offers isn't listed explicitly, insist that it be added. 4. "I talk about you behind your back." You spot your dream house as you're driving through a neighborhood and call the broker listed on the For Sale sign. That's how a lot of buyers stumble on a broker — who, in turn, happily shows you other houses, asking about your needs, laughing at your jokes. It's easy to get loose-lipped and forget whom you're dealing with: someone else's agent. "Legally, brokers are obligated to provide their sellers with any information that can help them get the best prices for their homes," says Stephen Israel, president of Buyer's Edge, a Bethesda, Md.-based company that represents homebuyers. "If you tell the broker that you're willing to pay $500,000 but want to offer $450,000, they'll pass that on to the seller. They have to." Also, some brokerage companies encourage prospective buyers to get preapproved for loans. While that can make a buyer more attractive to a lender, it also tells a broker whether a buyer can afford a $600,000 house when he's trying to haggle on a $400,000 property. "When somebody asks for [a preapproval], find out who they're representing," says Israel, acknowledging that such details can short-circuit your negotiating leverage. "If they represent a seller — or someone in their office does — they shouldn't have it. The broker may tell you she will be impartial, but how can she be?" 5. "Sometimes I forget whose side I'm on." The past 10 years have seen the proliferation of the buyer broker, agents who are supposed to work strictly in the buyer's interest, helping him get a fair price on a home as well as avoid pitfalls along the way. Unfortunately, things don't always unfold so nicely. While buyers may think they're getting a broker who isn't commission-hungry, many buyer agents are just that: They usually get about 3%, the same amount any broker typically earns when he gets involved with another agent's listing. "Buyer brokers are sometimes too focused on closing the sale and getting that commission," says Max Gordon, an Overland Park, Kan.-based real estate broker and attorney, so it's often in their best interest to see you pay as high a price as possible. Even worse, some brokers who call themselves buyer advocates are actually working for companies that also represent sellers. "Brokerages offer bonuses to buyer agents if they sell an in-house listing," says Israel. A good way to get a broker who has no such conflicts of interest: The National Association of Exclusive Buyer Agents, whose Web site (www.naeba.com) can help you find a buyer agent near you who pledges to help you get the best deal possible and has no ties to sellers' agents; many even work on a fee structure rather than on commission. Page 1 | 2 Consumer Action Archive To license this content, click here ADVERTISEMENTS Click here to get your FREE report -- The Motley Fools´ 2 Top Picks. Receive a $50 Hyatt Gift Card.Book online using your American Express Card Get 4.25% APY at hsbcdirect.com. Earn 8X the national savings average. Learn about every move Jim Cramer makes before he acts. Learn options trading at a free workshop in your area! Top 10 Breakthrough Stocks for 2006 Yours Free!. $7 stock trades. Open a Scottrade account with just $500. Apply online FREE Options Tip 1: AVOID an option´s last month.Get 4 more here-free! Learn how to stay connected to your customers. Free guide at: See how Sprint Business has helped the PGA move forward. Capital One High Yield Savings - 4.00% APY. Earn More Now! New! SmartMoney Mobile. Stock quotes, market news and more on your mobile phone. BusinessWeek Investor Education. Take control of your financial future. Customer Service | Magazine Customer Service | Subscribe to SmartMoney Magazine | Your Profile | Contact Us Corrections | Custom Publishing | License Our Content | Media Kit | Press Room | SmartMoney.com © 2005 SmartMoney. SmartMoney is a joint publishing venture of Dow Jones & Company, Inc. and Hearst SM Partnership. SmartMoney is a registered trademark. All Rights Reserved. By accessing and using this page, you agree to our terms and conditions and our PRIVACY STATEMENT . All quotes delayed by 20 minutes. Delayed quotes provided by ComStock . Historical prices and fundamental data provided by Hemscott, Inc. Mutual fund data provided by Lipper . Mutual Fund NAVs are as of previous day's close. Earnings estimates provided by Zacks Investment Research . Insider trading data provided by Thomson Financial . Upgrades and downgrades provided by Briefing.com .

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VSECU - Land and Construction Loans RATES LOANS SERVICES DEPOSITS HELP ABOUT HOME You are Here: Home >> Loans >> Land and Construction Loans Land and Construction Loans Land Loans If you're planning to someday build your own home and have found the perfect land to do so, acquiring the land may be the first step in that process. A land loan mortgage is available to secure your dream lot, whether you're ready to build now or six years from now. The land you choose to finance must meet certain eligibility requirements such as: The building lot must be suitable for residential construction for a 1-2 unit home as your primary residence in Vermont or New Hampshire You building lot must have passed a perc test The total acreage cannot exceed 25 acres All land loans are adjustable rate mortgages and require a 20% down payment. Construction Loans If you’re ready to start building a new home this is the right loan for you. A construction loan is available for both new construction and the improvement of certain residential property in Vermont and New Hampshire. All construction loans are adjustable rate mortgages and require a 5% down payment. Requirements For construction projects where you'll be improving the energy efficiency of your home, you may want to consider our Energy Improvement Loan . Please contact a mortgage originator for more details on Land or Construction loan options. Apply Today See our online application ! © 2005, VSECU. All Rights Reserved. Additional Resources Current Rates & Terms Meet Our Mortgage Originators Energy Improvement Loan Apply Now! What Will My Loan Payments Be? Use Our Online Calculators Auto Loans Mortgage Loans Home Equity Credit Cards Other Types of Loans Search VSECU.com FREE VSECU CLASSIFIEDS BOOM! OUR TEEN WEBSITE CONTACT US PRIVACY & TERMS OF USE FAQ | FEEDBACK

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Land for sale in Montana - Montana Land Sale | Site Map | Contact Us | This Site was Last Updated 12/28/2005 Bill Walker Realty 406-443-3424 For Montana Land information, Call Me Today at:406-492-7581 . Email: Bill Thomas Farm and Ranch Real Estate Ranch for Sale Land for sale in Montana Farm & Ranch Cattle Ranch for sale About Bill Montana Links Property Inquiry Agricultural News Telegraph Creek flows through this property Visitors to this site Best viewed with Internet Explorer at 800 x 600 resolution. Group Tour Planning for Montana Kids in Montana Lewis & Clark in Montana Montana Official State Web Site Winter Things to Do in Montana Land For Sale Bill Thomas, Montana Realtor Here is a place to find western Montana real estate help. Bill is here to find Montana land for sale. If you looking for real estate around the continental divide in Montana let Bill help you with your real estate needs either selling or buying. To b e the owner of land, that is a deep-seated desire for most of us and there are some great places to be found in Montana. The pleasure of climbing around your own property, taking care of your own land and building your own special place to live is one of the singular rewards of working hard and doing well. My greatest gift in life has come from helping people enjoy some of this part of Montana's wonderful and scenic properties. There are ranches with timber, lakes, rivers, creeks, mountains and valleys for sale in Montana, we just have to find them. I will help you find homes for sale and area information for Helena, Elliston, Avon and Deer Lodge, Montana. I have the real estate buying and selling knowledge, relocation help, and mortgage information you need to make your buying decision knowledgeable and pleasant. Learn more about me. Folks return time and again just to four wheel, hike, cross country ski or just explore the mountains and trails within a short drive of Helena. Extending from Helena, you will find, in nearly every direction are over 200 miles of trails leading to ghost towns, high mountain ridges and lakes, plus unlimited exploring on thousands of acres of national forest. If you would like to own your piece of Montana land just pick up your telephone and call Bill at 406-492-7581 or e-mail him at Montana Land For Sale The Helena area of Western Montana is a delight of confer covered hills that is mostly private land although there are many public lands in the area too. The wildlife, both fish and game is plentiful and in some areas abundant. Both mule deer and white tail deer inhabit Western Montana and the hunting season for both these species is open to resident and non-residents of Montana. The elk herds of Western Montana yield Boone and Crocket and Pope and Young trophies every year. The major blue ribbon trout fishing rivers of this part of Montana include: Madison River, Bighole River, Jefferson River, Ruby River, Gallatin River, Missouri River, Yellowstone River, Little Blackfoot River, Blackfoot River, Clark Fork, Bitterroot River, Flathead and they all have super trout fishing. Want a Montana Cabin Rental ? Bill Smith has a log home for rent just east of deer Lodge. For a great cup of coffee we use Beacon Beverage Systems and have not been disappointed yet. If you need Montana Elk Hunting Outfitters or a trophy elk antler to mount try Elk antler for sale . The n for a taxidermist go to Montana Taxidermy School . RealEstate4.com - The Real Estate Directory

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First Hawaiian Bank: Hawaii/Guam — Mortgage Options select an online service -------------------- FHB Online FHB Business Online StrataWeb PlanWeb QuickTax Web Cash Manager - Hawaii Web Cash Manager - Guam for a new account -------------------- CREDIT CARDS Gold Aloha AirAwards MasterCard Gold Aloha AirAwards Visa Aloha AirAwards MasterCard Aloha AirAwards Visa Aloha Business AirAwards Business MasterCard Gold MasterCard Diamond Head MasterCard Ukulele MasterCard Gold Visa Mosaic Visa Surfer Visa -------------------- LOANS Morgage Pre-qualification Personal Loan Personal Line of Credit Business FirstLine Business FirstTerm Business Equipment Lease -------------------- CHECKING FirstChecking Discount Checking Regular Checking Bonus Checking Priority Banking Checking Business Checking -------------------- SAVINGS Regular Savings MaxiMizer Savings Certificates of Deposit -------------------- PrimeTime/Primera about products & services Business Services Cash Management Checking Accounts Credit Cards Foreign Exchange Insurance Services Investment Services IRA Leasing Lines and Loans * Home Equity Line of Credit * Personal Loans * Student Loans * Calculators Mortgages Online Banking PrimeTime/Primera Savings and TCDs Small Business Banking Student Banking Trust and Estate Services a branch or ATM Oahu * Oahu - Honolulu * Oahu - East Oahu * Oahu - Windward * Oahu - Northshore * Oahu - Leeward Maui & Lanai Big Island Kauai Guam Saipan First Investment Center Insurance Services Mortgage Banking • Mortgage Options • Mortgage Document Checklist • Current Rates • Foreclosures • Mortgage Glossary • Calculators • Realtor News • Contact Us Compare Options Pre-Qualify Now! Contact Us Mortgage Options For a free analysis and recommendation of the best mortgage loan program for you, please call us at 643-HOME (4663). Click on the options below to learn more about each of our mortgage solutions.  You can also use our  Online Comparison Tool  to compare options side by side. Fixed Rate Mortgage Adjustable Rate Mortgage (ARM) Balloon Mortgage First-Time Homebuyer Mortgage Absolute Zero Mortgage FHA/VA Flex 100 Rural Housing Service Loan (RHS) Construction Loans Home Improvement Loans Second Mortgage Land Loans Fixed Rate Mortgage Pre-Qualify Online Rates: · Interest rate is constant over the life of the loan Features: · Variety of terms available · Finance with as little as 3% down payment · Flexible qualifying guidelines Benefits: · Stable monthly payments · Protection against rising interest rates · Fully amortized over the life of the loan Best Suited For: · Borrowers seeking a set interest rate · Borrowers who want the certainty of knowing their payment amount · Borrowers on a fixed monthly income Adjustable Rate Mortgage (ARM) Pre-Qualify Online Rates: · Interest rates and monthly payments can adjust periodically over the life of the loan Features: · Conversion to a fixed rate option available · Initial interest rate may be lower than fixed rate products · Variety of terms available · Annual and lifetime interest rate caps Benefits: · Interest rates and monthly payments can adjust periodically over the life of the loan · Conversion to a fixed rate option available · Initial interest rate may be lower than fixed rate products · Variety of terms available · Annual and lifetime interest rate caps Best Suited For: · Borrowers who expect to move within 5-7 years · Borrowers who anticipate rising incomes · Borrowers who can manage payment changes · Borrowers expecting large cash settlements in the future Balloon Mortgage Pre-Qualify Online Rates: · Interest rate is fixed for a set term Features: · Monthly payments amortized over a longer period than the loan term · Balance is due on balloon date · Outstanding balance may be refinanced for qualified borrowers on balloon date Benefits: · Lower interest rate than fixed-rate mortgage · Borrower may qualify for higher loan amount · Stable monthly payments for term of loan · Rate re-set feature available after 7-years Best Suited For: · Borrowers who expect to move or refinance within 7 years · Borrowers who want to take advantage of lower short-term rates and can tolerate some uncertainty about future loan terms · Owner occupants and second homeowners First-Time Homebuyer Mortgage Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Variety of terms available · As little as 3% down payment · Flexible qualifying guidelines · Fully amortizing · Reduced loan fees Benefits: · Payments go towards equity rather than rent · Minimum down payment enhances buying power · Flexible guidelines may qualify borrower for larger loan amount · Reduced closing costs make buying easier Best Suited For: · First-times home buyers · Borrowers with limited personal funds for down payments and closing costs · Borrowers on modest incomes Absolute Zero Mortgage Pre-Qualify Online Rates: · Fixed interest rate loan Features: · 0 points and 0 closing costs · Competitive fixed rate pricing · Finance with as little as 3% down Benefits: · Allows buyers to save on closing costs and use the savings towards their down payment instead · Gives borrowers an opportunity to refinance and reduce their interest rate without paying expensive closing costs make buying easier Best Suited For: · Ideal for those limited on cash to close their loan · Best for those considering a move or refinance in 5-7 years · Ideal for those who want to reduce their rate without paying for points or closing costs · For those with limited down payment who want to buy now instead of later · Restricted to owner occupants FHA/VA Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Requires little or no down payment · Flexible qualifying guidelines Benefits: · Low down payment · Certain closing costs may be financed · Less cash on hand required to qualify Best Suited For: · First-time home buyers · Borrowers on modest incomes · Eligible veterans Flex 100 Pre-Qualify Online Rates: · Fixed long term rates Features: · No down payment · Able to use "flexible" funds for closing cost such as gifts, grants, or unsecured loans from relatives Benefits: · No income limits · Stable monthly payments for term of the loan · Possibly maximize your tax deduction Best Suited For: · Borrowers with excellent credit · Borrowers on modest incomes · Eligible veterans Rural Housing Service Loan (RHS) Pre-Qualify Online Rates: · Fixed long term rates Features: · No down payment · Guaranteed loan to assist eligible households in rural areas Benefits: · No reserves required · May be able to finance all closing costs Best Suited For: · Limited to owner occupants · For borrowers located in rural areas Construction Loans Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Interest only payments during the construction period · Permanent financing means applying only once · Competitive pricing Benefits: · Buy your land and build, all with one permanent financing plan · Interest only payments provide some relief on the budget during the construction period · Flexible pricing to meet your construction contract terms Best Suited For: · Those planning to buy land and build within a year · Large dollar home improvement projects Home Improvement Loans Pre-Qualify Online Rates: · Fixed long term interest rate loan with competitive pricing Features: · As little as 5% down payment Benefits: · Buy a home and renovate with one loan · Stable monthly payments for term of loan Best Suited For: · Those who are owner occupants, second homeowners and investors · Those who want to buy a "fixer-upper" Second Mortgage Pre-Qualify Online Rates: · Fixed rate and adjustable rate mortgages Features: · Competitive pricing Benefits: · Use the equity in your home to consolidate higher interest rate loans, purchase automobiles, make home improvements and more. · Does not affect a current low rate first mortgage Best Suited For: · Those with established equity in their homes · Best for shorter term obligations Land Loans Pre-Qualify Online Rates: · Fixed rate or adjustable rate mortgages available Features: · Competitive pricing Benefits: · Buy the land now, build later · Recieve a discount on fees when applying for a construction loan at First Hawaiian Bank within a 1-year period Best Suited For: · Those seeking to invest in land, but not ready to build just yet About Us | Career Opportunities | Bancwestcorp.com | Member FDIC | Equal Housing Lender | Site Map | Contact Us