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Baton Rouge Real Estate- CJ Brown - Baton Rouge Real Estate -- #1 Baton Rouge Real Estate Company! Login | Contact | Help Legendary Service Since 1917 Suggestions Home Buying Selling Relocation Renting Finance Insurance Appraisal Careers Go To Shopping Cart www.cjbrown.com 1-800-428-8294 Site Last Updated Thursday, December 29, 2005 2:09 PM CST Quick Search Search Listings Search Rentals Search Our Team Search Loans * Enter address, MLS#, zip code, or subdivision, then click Go or select a different type of search. * To search for rental properties, click Go. * Enter an team member name, then click Go, or select a different type of search. * Enter a loan name or type, then click Go, or select a different type of search. advanced search Search Our Team For advice and representation you can trust, use a C.J. Brown Realtors Team Member. Find An Office We have offices all over the Gulf South. Find one close to you. myCJBrown Find listings even after you have left our site, save listings, and more! News & Events -- About Us Site Map Site Map1 Resources -- Experience Urban Living in Baton Rouge A Surprising Housing Boom along the Gulf Coast Branch Office Update Agents & Employees Corporate Contacts #1 Company In Baton Rouge Real Estate! Great News! To search ALL active Baton Rouge real estate listings in the MLS and see all the information , logon to our system, or you can search thousands* of Baton Rouge and Louisiana real estate MLS listings on our standard property search. Find out how much you need to pay from our mortgage calculators. Established in 1917 in the Baton Rouge real estate market, we have grown to include offices in Baton Rouge, Ascension and Livingston parishes in Louisiana as well as offices throughout the Gulf South. Rely on our experience as you go through the most comprehensive real estate listings. Choose the perfect home from our MLS listings. The only name that stands out in Baton Rouge Real Estate is C.J. Brown Realtors/LATTER & BLUM Inc. Realtors Take advantage of our mortgage calculators to calculate the amount of investment you need to make to finance your dream home. Our comprehensive real estate listings span the length and breadth of the country, to give you the widest property options. Essential Mortgage Co. is a division of LATTER & BLUM/CJ Brown, a trusted real estate leader since 1916. We're proud to offer mortgage brokerage services including mortgage calculators to corporate clients, credit unions, builders, and the real estate community. LATTER & BLUM Insurance is capable of meeting a variety of individual needs, helping our clients to arrange a comprehensive and cost-effective program of insurance services, including: auto insurance, business insurance, home owners insurance, life insurance and personal umbrella. A host of services on offer from a definitive name in real estate transactions, C.J. Brown Realtors! Select an option below to begin. Conduct a search using maps of our area. Search for homes by location, amenities, and price. Preview an upcoming open house. Search for rental properties by location, price, and amenities. Take a 360 degree tour of our homes! Save your favorite listings for quick access later. Search for retail and commercial properties. See new developments. Search for REO Properties. Search for 3rd Party Properties. Search Listings by map Search Listings by text Open House preview Search Rental properties Search REO properties Virtual tours View Featured homes Commercial property search Developments search Search 3rd party properties New Orleans | Baton Rouge | Mississippi | Hammond | Lafayette | Sitemap *Subject to the rules and regulations of the Greater Baton Rouge Association of Realtors Multiple Listing Service. -- Home | Buying | Selling | Relocation | Renting | Finance | Insurance | Appraisal | Careers | Property List | Agent Websites All information provided on this site is believed to be reliable but is not guaranteed and should be independently verified. Please see our Terms of Use and Privacy Policy . Latter & Blum Inc./Realtors and Latter & Blum Property Management are licensed real estate brokerage firms in Louisiana and Mississippi CJ Brown Realtors is a licensed real estate brokerage firm in Louisiana LATTER & BLUM, Inc/Realtors, Corporate Headquarters 800 Common St., Suite 1000, New Orleans, LA 70112, USA main 504.525.1311, web-info@latterblum.com Licensed In The United States Of America 2001 LATTER & BLUM, Inc/Realtors. All rights reserved. Resources | Site Map1



Buy House

house garden book of essential addresses - Buy at the best price on Kelkoo Search all categories Books Cars & Accessories Christmas Gifts Computers & Software Digital Cameras DVD & Video Electronics Fashion & Lingerie Games, Consoles & Toys Gifts & Gadgets Health & Beauty Home & Garden Household Appliances January Sales Kelkoo For Business Mobiles, Phones & Faxes Money & Bills Music Sport & Fitness Travel Wine & Spirits Home > Searched for "house garden book of essential addresses" : Showing 1-20 of 977,794 results (from 725 shops) About the results There were no specific results matching all your keywords. Below you will find results containing at least one of your keywords. Narrow results by category Badminton (1) Books (767,485) Garden & Leisure (8,790) Garden Furniture (514) Garden Power Tools (595) Home & Garden (4,710) House Accessories (15,382) House Telephones (1,362) UMDs (6) More categories Adult DVDs (5) All-In-Ones (1) Baby Accessories (94) Baby Clothes (2) Bakeware (1) Barbecue Accessories (15) Barbecues (9) Barebones (1) Basketball (2) Bathrooms (24) Beds (3) Blank Media (2) Blenders (5) Boxing (2) Breadmakers (1) Buy Property (116,302) CDs (1,284) CPUs (1) Cables (71) City Breaks (208) Computer Accessories (34) Computer Cases (1) Computers (desktops) (4) Console Accessories (1) Cookers (2) Cookware (3) Cosmetics (48) Crockery (2) Cycling (107) DVD (1,777) Decorations (1) Digital Camera Accessories (1) Digital Cameras (9) Dishwashers (29) Electronics (43) Fashion & Lingerie (79) Fishing (38) Fitness Equipment (19) Flooring (25) Flowers (19) Food (56) Food Processors (3) Football (25) Freezers (4) Fridges (5) Furniture Accessories (18) GPS (43) Gadgets & Toys (507) Gifts & Gadgets (27) Girls' Clothes (3) Glassware (1) Golf (3) Haircare Products (40) Hand Tools (8) Hard Drives (9) Health (4) Health & Beauty (25) Heating & Cooling (3) HiFi Speakers (9) Hobs (1) Hockey (6) Holidays (36,978) Home Security (9) Home Telephone Accessories (8) Hotels (323) Household Appliances (21) Hubs & Switches (1) Ice Cream Makers (2) In-Car Entertainment (2) Juicers (1) Keyboards (2) Kitchen - Other (2) Kitchen Accessories (51) Kitchen Sinks and Taps (16) Lawn Mowers (35) Lighting (43) Lingerie (39) Luggage (18) Memory (20) Men's Accessories (11) Men's Clothing (3) Men's Outerwear (1) Men's Tops (41) Men's Trousers (3) Men's Underwear (3) Men's Watches (1) Miscellaneous (4,021) Miscellaneous (14) Miscellaneous (986) Mobile Phone Accessories (32) Monitors (4) Music Downloads Beta (489) Musical Instruments (15) Network cables (3) Networking (9) New & Used Cars (56) Office Supplies (154) Outdoor Adventure (16) PDA Accessories (55) Painting & Decorating (22) Pay Monthly/Contract Phones (2) Perfumes & Aftershaves (190) Pets (42) Portable MP3 Player Accessories (4) Portable MP3s (1) Portable Radios (3) Power Tools (14) Prepay Mobile Phones (1) Pressure Washers (13) Printer Consumables (2) Printers (4) Radar Detectors (1) Remote Controls (1) Rent Property (12,317) Retro Games (5) Simfree/Handset Only Phones (2) Skiing (170) Skincare (400) Software (76) Sound Cards (1) Sport & Fitness (260) Storage (2) Table Tennis (1) Tables (3) Television Accessories (4) Toys (408) Trampolines (14) Tumble Dryers (2) UPS (2) Vacuum Cleaners (2) Video Conferencing (1) Video Games (30) Videos (153) Vitamins & Supplements (56) Washing Machines/ Washer Dryers (53) Water Sports (10) Weight Training (2) Wine (37) Winter Sports (1) Wireless Routers (6) Women's Accessories (29) Women's Dresses & Skirts (2) Women's Footwear (3) Women's Jewellery (2) Women's Outerwear (3) Women's Sportswear (3) Women's Swimwear (17) Women's Tops (6) Women's Trousers (1) Women's Watches (2) ESSENTIAL GOLDEN RETRIEVER Author: BOOK HOUSE HOWELL Format: Paperback Delivery Cost:1.50-Department: Books £4.61 FromThe Book Pl@ce ESSENTIAL ROTTWEILER Author: BOOK HOUSE HOWELL Format: Paperback Delivery Cost:1.50-Department: Books £5.06 FromThe Book Pl@ce ESSENTIAL PARAKEET Author: BOOK HOUSE HOWELL Format: Paperback Delivery Cost:1.50-Department: Books £4.64 FromThe Book Pl@ce ESSENTIAL PUPPY Author: BOOK HOUSE HOWELL Format: Paperback Delivery Cost:1.50-Department: Books £5.06 FromThe Book Pl@ce ESSENTIAL RABBIT Author: BOOK HOUSE HOWELL Format: Paperback Delivery Cost:1.50-Department: Books £3.49 FromThe Book Pl@ce House and Garden Book of Kitchens and Dining Rooms Author: Leonie Highton Format: Hardback Delivery Cost:Free-Department: Books £18.99 FromPlay.com - Books ESSENTIAL HOUSE BOOK Author: TERENCE CONRAN Format: Paperback Delivery Cost:1.50-Department: Books £19.38 FromThe Book Pl@ce House and Garden Book of Drawing Rooms and Sitting Rooms Author: Robert Harling Format: Hardback Delivery Cost:2.74-Department: Books £18.75 FromTesco Books House and Garden Book of Drawing Rooms and Sitting Rooms Author: Robert Harling Format: Hardback Delivery Cost:Free-Department: Books £18.99 FromPlay.com - Books House and Garden Book of Kitchens and Dining Rooms Author: Leonie Highton Format: Hardback Delivery Cost:2.74-Department: Books £18.75 FromTesco Books House and Garden Book of Bedrooms and Bathrooms Author: Leonie Highton Format: Hardback Delivery Cost:Free-Department: Books £18.99 FromPlay.com - Books House and Garden Book of Classic Rooms Author: R. Harling ; Leonie Highton ; John Bridges Format: Hardback Delivery Cost:Free-Department: Books £22.99 FromPlay.com - Books House and Garden Book of Classic Rooms Author: R. Harling Format: Hardback Delivery Cost:2.74-Department: Books £22.50 FromTesco Books ESSENTIAL GARDEN BOOK Format: Paperback Delivery Cost:1.50-Department: Books £22.50 FromThe Book Pl@ce House and Garden Book of Bedrooms and Bathrooms Author: Leonie Highton Format: Hardback Delivery Cost:2.74-Department: Books £18.75 FromTesco Books The Essential Garden Book Author: Terence Conran Format: Paperback Delivery Cost:2.74-Department: Books £18.75 FromTesco Books 'HOUSE AND GARDEN' BOOK OF CLASSIC ROOMS Author: R. HARLING, LEONIE HIGHTON, JOHN BRIDGES Format: Hardback Delivery Cost:1.50-Department: Books £23.25 FromThe Book Pl@ce The Essential Garden Book Author: Terence Conran ; Dan Pearson Format: Paperback Delivery Cost:Free-Department: Books £18.99 FromPlay.com - Books GARDEN HOUSE Author: BONNIE TRUST DAHAN Format: Hardback Delivery Cost:1.50-Department: Books £13.94 FromThe Book Pl@ce The Essential Aloe Vera When Mr Shirley first read this book he was almost dumb struck that this plant he knew so well had such healing capability. This book is written by Doctor Peter ... Delivery Cost:Free-Department: Garden & Leisure £6.95 FromVictoriana Nursery Gardens [ 1 2 3 4 5 6 ] Next page >> Couldn't find what you wanted? Try again: Search all categories Books Cars & Accessories Christmas Gifts Computers & Software Digital Cameras DVD & Video Electronics Fashion & Lingerie Games, Consoles & Toys Gifts & Gadgets Health & Beauty Home & Garden Household Appliances January Sales Kelkoo For Business Mobiles, Phones & Faxes Money & Bills Music Sport & Fitness Travel Wine & Spirits People who searched for "house garden book of essential addresses" also searched for : The house book , Covent garden soup book , Garden house hotel cambridge uk , Garden house hotel Browse categories Adult DVDs Flooring Kitchen Accessories Remote Controls All-In-Ones Flowers Kitchen Sinks and Taps Rent Property Baby Accessories Food Lawn Mowers Retro Games Baby Clothes Food Processors Lighting Simfree/Handset Only Phones Badminton Football Lingerie Skiing Bakeware Freezers Luggage Skincare Barbecue Accessories Fridges Memory Software Barbecues Furniture Accessories Men's Accessories Sound Cards Barebones GPS Men's Clothing Sport & Fitness Basketball Gadgets & Toys Men's Outerwear Storage Bathrooms Garden & Leisure Men's Tops Table Tennis Beds Garden Furniture Men's Trousers Tables Blank Media Garden Power Tools Men's Underwear Television Accessories Blenders Gifts & Gadgets Men's Watches Toys Books Girls' Clothes Miscellaneous Trampolines Boxing Glassware Miscellaneous Tumble Dryers Breadmakers Golf Miscellaneous UMDs Buy Property Haircare Products Mobile Phone Accessories UPS CDs Hand Tools Monitors Vacuum Cleaners CPUs Hard Drives Music Downloads Beta Video Conferencing Cables Health Musical Instruments Video Games City Breaks Health & Beauty Network cables Videos Computer Accessories Heating & Cooling Networking Vitamins & Supplements Computer Cases HiFi Speakers New & Used Cars Washing Machines/ Washer Dryers Computers (desktops) Hobs Office Supplies Water Sports Console Accessories Hockey Outdoor Adventure Weight Training Cookers Holidays PDA Accessories Wine Cookware Home & Garden Painting & Decorating Winter Sports Cosmetics Home Security Pay Monthly/Contract Phones Wireless Routers Crockery Home Telephone Accessories Perfumes & Aftershaves Women's Accessories Cycling Hotels Pets Women's Dresses & Skirts DVD House Accessories Portable MP3 Player Accessories Women's Footwear Decorations House Telephones Portable MP3s Women's Jewellery Digital Camera Accessories Household Appliances Portable Radios Women's Outerwear Digital Cameras Hubs & Switches Power Tools Women's Sportswear Dishwashers Ice Cream Makers Prepay Mobile Phones Women's Swimwear Electronics In-Car Entertainment Pressure Washers Women's Tops Fashion & Lingerie Juicers Printer Consumables Women's Trousers Fishing Keyboards Printers Women's Watches Fitness Equipment Kitchen - Other Radar Detectors Stores: Click here to feature your products on Kelkoo! Home >Search results About us Contact Tutorial Bookmark this page! Shopping guides Kelkoo Toolbar Shopping in Europe: Denmark / Sweden / Belgium (FR) / Belgium (NL) / France / Germany / Italy / Netherlands / Norway / Spain Generated : 29-12-2005 21:33:51



Buy Property Abroad -

Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes Search the site: This Ring The Ring Directory for: Home | Join The Ring | Ring Homepage | Visit Random | Contact Ring Owner About the Ring Quality Control Powered by RingSurf RING DESCRIPTION: Sites of interest for those who wish to buy a property abroad, either to buy a home, house, apartment abroad or to rent. Where are we interested in? France, Bulgaria, Montenegro, Cape Verde, Morocco, Slovenia, Baltic States (Lithuania, Latvia, Estonia), Spain, Portugal, Italy, USA, ... well anywhere in the world really. We are particularly interested in personal stories and experiences, but also welcome sites which are selling houses abroad. RING STATS: There is(are) 9 active member(s) in this Ring 0 prospective member(s) is(are) waiting for Approval in the Queue View the Stats for Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes ring This ring was started 2005-09-29 17:56:39 Ring Members Member sites of the Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes Displaying from 1 to 9 of 9 : -------------------------------------------------------------------------------- Hit counters started November 27, 2003. 1 . Your House Abroad in Montenegro Join Date: September 29, 2005 Information on buying a house abroad, including Montenegro 2 . 123 Sudoku Join Date: October 08, 2005 Sudoku is a great thing to do whilewaiting for planes and travellingto your home abroad. There is lotsof info, games, links, books etc at this site. 3 . Cape Verde Property Join Date: October 20, 2005 Cape Verde - jewel off the African CoastInformation and links about buying a property abroad in Cabo Verde 4 . Your House Abroad Join Date: September 29, 2005 A `One-stop shop' to buying and rentinga house abroad, especially France, Bulgaria, Montenegro, Cape Verde and everywhere! 5 . Buying property in Bulgaria Join Date: October 20, 2005 Information and links about buyingBulgarian properties - EasternEurope's hotspot for investment 6 . Travel Logo ImDoku Join Date: October 20, 2005 Play Sudoku while booking yournext holiday abroad - really it'strue! Just look. 7 . Property in Spain Join Date: November 18, 2005 Spanish Property for sale - Costa del Sol Property and a wide range of properties from Spain, and around the world.Insight Spain offers a free and independent service to help you find the property of your dreams. We are not estate agents and represent YOU, the buyer, at all times.We have access to the best new developments, resales and property bargains and whatever your requirements well find your ideal property 8 . France - our experiences Join Date: October 20, 2005 Our story - a description of what wewent through in buying our houseabroad in France. Also, useful information. 9 . Melda Ozden Join Date: November 16, 2005 Estate agent in Koycegiz, Turkey. Land, houses and villas for sale. Privacy Statement | Terms of Service © 2003-2004 RingSurf.com Web Design Toronto



Purchase Property

display-points -- This page uses JavaScript. Please enable it or upgrade your browser. UK Property Web - Home Buying and Selling Your browser does not support the script needed to run elements on this website. Please upgrade your browser or enable javascript in your browser's properties. Houses for sale. Dedicated to helping you buy and sell property throughout the UK. Houses For Sale UK Home :: Buy :: Sell :: Letting :: Services :: About us Property and Houses For Sale Privately in the UK We would like to welcome you to UK Property Web on your first visit! If your selling or buying you've come to the right place, we have 100's of houses for sale from all over the UK. Please be sure to contact us if you think we can help you purchase or sell a property. Advertise with us. Houses For Sale with UK Property Web Enter the name of a 'Town', 'County' or 'Region' and hit GO. e.g. 'Southampton' or 'Hampshire' or England. You can also search by Ref number enter all the numbers after Ref UKPW:00 UK Property Web is associated with the following websites: Search for houses from the comfort of your own home: advertise with us, you advertise with them... Houses for sale, flats, apartments, bungalows, cottages... advertisment You won't find another website that offers the same for less! Total Control of Enquiries No Commission Massive Savings Coverage Over 5 Websites Quality Photographs and Descriptions Wide Range of Properties Simple Property Search Total Coverage Over the UK UK PROPERTY WEB NEWS & UPDATES ~ Concerned about the housing market? Click here to find out more ~ ~ Will there be a repeat of the 1990 housing crash? ~ ~ Property Secrets ~ back to top @ UK Property Web we accept credit cards, debit cards and cheques. UK Property Web, 1 Pipit Close, Weymouth, Dorset, DT3 5RT. Email: contact us There are 22 active visitors. web design by



Sell House

Tips on Buying and Selling Your House Remarked out per Bob Gent 4/11/02 -- TIPS TO HELP YOU SELL YOUR HOME MORE QUICKLY Owners can help expedite the sale of their home by following a few guidelines to make the house more attractive to potential buyers. A thorough self-inspection and a walk-through with your real estate agent can reveal imperfections that might hinder a sale. (Please note: in Washington state, as in many other states, the seller must complete a "Real Property Transfer Disclosure Statement" form about the condition of property being offered for sale. Material defects must be disclosed.) House-hunters typically begin their inspection of a property bypreviewing its "curb appeal." A surprising number ofhomes are eliminated from consideration before potential buyersget out of their car because they find the exterior appearanceunsightly or uninviting. Following are some basic suggestions for improving the marketabilityof your home. Examine the lawn and flower gardens, making sure the lawnis mowed and free of drainage problems. Colorful flowers andshrubs can enhance the home's attractiveness. Check the sidewalks and driveway to make sure they're freeof weeds and clutter. Inspect the home's exterior, looking for loose, missing ordamaged siding and brickwork, a cracked and uneven foundation,and gutters, downspouts or fences that are in disrepair. Paintor repair any problem areas. Clear the decks! Clean decks, patios and steps, removingunnecessary furniture, toys and debris. Tidy up any pet areas. Inspect the front door. A fresh coat of paint or stain anda clean doormat can help create an inviting "first impression." Check lighting, making sure pathways and entry have adequateillumination. Inside the home, you should conduct an equally thorough inspection,since potential buyers are likely to open doors and cupboards,look into, look behind and operate everything to make sure thehome offers the space, layout and features they need. Extensiveredecorating isn't usually recommended, but all rooms should beclean and clutter-free. Think "light," "bright,""open" and "airy." Clear rooms (including closets and storage areas) of everythingbut the basics. Arrange furniture so rooms look spacious. Remove clutter from the basement and garage. Sweep floors,degrease spots and dust. Have carpets and drapes professionally cleaned. Patch walls and ceiling cracks, then repaint or wallpaper,using neutral shades. Check the basement for musty smells and signs of mildew orleaks, correcting any defects. Inspect bathroom and kitchen fixtures to make sure they sparkle,are leak-free and are otherwise functioning well. Remove stainsfrom countertops, sinks, tubs and showers. Test major mechanical components, including the furnace, waterheater and electrical system. Make sure windows and doors open and close easily. Replacecracked or scratched glass. Be aware of the amount and type of insulation. DETERMINING HOW MUCH HOUSE YOU CAN AFFORD Low mortgage rates and special incentives for first-time buyersare making the dream of home ownership a reality for more individualsand families. As you begin your search, you'll want to determinehow much house you can afford and what type of mortgage is bestfor your budget. In general, four factors will influence your ability to buy thatdream home. They are: how much of a down payment you will make. The more cash youput down, the less you'll have to borrow. the amount you need to borrow (your mortgage) to cover a monthlypayment for the loan principal (amount borrowed), interest ("price"charged for your use of the lender's money), taxes ( a portionof property taxes), and insurance. the mortgage interest rate. the repayment terms of your loan. When applying for a mortgage, your current earnings and expectedincome during the next few years may influence your borrowingpower. Outstanding long-term debt and how long you expect tostay in the home you're buying may also be considered. Most realty agents recommend getting preliminary approval fora loan, usually by getting "pre-qualified" or "pre-approved"for a certain monthly payment. Getting approved for a loan requireshaving a lender verify your financial situation, including yourcurrent assets (income, savings, investments and other sourcesof revenue) and your liabilities (existing loans, credit cardbalances and other obligations). Using this information, thelender will evaluate whether there are sufficient funds for thedown payment, whether you have adequate income to make monthlypayments, and your overall credit-worthiness, which is based ona review of your borrowing history. According to many real estate professionals and lenders, the biggestreason people get turned down for a loan is poor credit. Reviewingyour credit status and correcting any mistakes before applyingfor a loan can help you avoid surprises or disappointments. Consumersmay request a copy of their credit report from one of three majorreporting services: Equifax: 1-800-685-1111 Trans Union: 1-800-851-2674 Experian: 1-888-EXPERIAN (1-888-397-3742) A small fee may apply, although if you've been denied credit recently,federal law mandates that the lender tell you which company suppliedthe information. You have a right to a free copy of your reportfrom that company so long as you request it within 30 days ofthe credit denial. Pre-qualification, based on numbers you supply to a lender, isan indication of the range of what you can afford. Getting pre-qualifiedis neither a commitment to loan you money, nor is it an obligationby you to borrow from a particular lender. Lenders typically use one of two guidelines when evaluating aloan request. Most lenders will limit the loan amount to a percentageof your gross monthly income or to a multiple of your annualhousehold income. As a general rule, individuals or families can usually handlea housing payment that amounts to 25- to-28 percent of their grossmonthly income. Following this guideline, if gross monthly incomeis $3,500, monthly payments (inclusive of taxes and insurance)in the range of $875 to $980 are considered reasonable. Somelenders use an alternate ratio that allows 36 percent of totalmonthly income for housing expenses and other long-term debts,such as car loans, credit card payments and obligations for childsupport. (Monthly living expenses for utilities, groceries, entertainment,medical and auto insurance are not calculated in this formula.) Another guideline, based on gross annual household income, assumesmost borrowers can afford up to 2.5 times their gross annual income. This means a borrower with total income of $40,000 may qualifyfor a loan of up to $100,000. Whether using a "multiplier method" or a "percentagemethod," prospective home buyers should allow for closingcosts and moving expenses. (Closing costs are the fees and taxesthat are paid when the deed is transferred. These usually amountto 5-to-10 percent of the mortgage amount. Moving expenses includecosts for movers, as well as "move-in" deposits forutilities and other "necessities"). Many lenders provide work sheets and charts to help you calculateyour borrowing power, along tables so you can compare paymentsat different rates and for different loan periods. (Some realestate brokers and financial institutions even have "mortgagecalculators" on their Internet site to help you determinewhat you can afford.) Your borrowing power can be increased with favorable interestrates and terms. With lower rates, you can borrow more money. Different types of loans and the duration of the payback periodwill influence the interest rate that will be applied to yourmortgage. In general, the shorter the term of the loan, the lowerthe interest rate. There are dozens of different types of mortgage programs froma wide variety of financial institutions, including mortgage companies,saving and loan associations, commercial banks and credit unions. Prudent consumers will find it pays to compare options to findthe right loan for their particular situation. THE MULTIPLE LISTING SERVICE (MLS) A multiple listing service is a system for collecting and organizinginformation on available properties in a given area. Such informationis shared by members who agree to cooperate with each other andto abide by certain operating procedures. This service enablesbuyers to have a vast selection of homes to consider, while sellersbenefit from having their property exposed to a large networkof real estate professionals and their clients. Most brokers in the Seattle-Everett-Tacoma area are members of the Northwest Multiple Listing Service (NWMLS), formerly called Puget Sound Multiple Listing Association (PSMLA). More than 1,300 companies with approximately 15,000 licensed sales professionals currently belong to this independent association. In addition to its primary function of maintaining a comprehensive database on thousands of properties, NWMLS produces various legal forms, publications and reports for its members. The "multiple" also maintains an electronic keybox system, which allows access to listings by authorized agents. Other benefits include an array of computerized services to assist with property searches, financial analysis, communications between offices, and access to data on property taxes, local schools and other information. Ongoing training and technical support are also available to NWMLS brokers and agents.




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