Denver Real Estate Resources

Webolutions Resources - Denver Homes&Real Estate, Colorado Townhomes What's New? Current Projects Speaking Schedule Print our Complete Services Brochure Resource Center Denver Real Estate Resources Colorado and Wyoming Real Estate School Colorado and Wyoming Real Estate School with the best pass rate. Maureen Grzybowski Real Estate - Colorado Real Estate Maureen Grzybowski provides professional real estate agent services serving the Colorado area located in Denver, Colorado. Denver Square Condos - Loft Development The Denver Square Condos offer a perfect blend of classical loft design and turn-of-the century architecture as well as an "Urban Village" ambiance located in one of Denver's most vibrant neighborhoods. Denver Executive Suites & Office Space We have executive office suites in Denver, Colorado providing a prestigeous and professional executive environment for you and your visiting clients. Home Land For Sale In colorado Colorado land home for sale , ranch and ranch land investment transactions for clients from most of the United States as well as from foreign countries. Estate Planning Attorney Services Estate planning law office specializing in will and trust administration, conservatorship, probate, guardianship, and litigation in these areas. Denver Colorado Homes & Real Estate The Kentwood Company of Denver Colorado is a real estate broker specializing in helping you when buying or selling homes in the Denver metro area. Businesses For Sale in Denver, Colorado Sanborn & Company lists businesses for sale in Denver, Colorado, as well as acquisitions and valuations of restaraunts, bars, hotels and liquor stores in Colorado. Back To Web Resources Services | Case Studies | Free Consultation | FAQs | Company Profile Client Login | Print PDF Brochure | Contact Us | Home Webolutions 303-300-2640 | 800-657-6055 | 303-300-2645 fax | info@webolutions.com Click Here for a Map and Directions to our main office Denver 6160 S. Syracuse Way Suite 120 Greenwood Village, Colorado 80111

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Service and Data Privacy provided by SecureRights Type of Loan Refinance Purchase Home Debt Consolidation Home Equity Property State Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Home Description Single Family Multi Family Town House Condo Credit Profile Select One Excellent, Never any issues Good, No recent issues Fair, Recent issues Poor, Major issues You may also search for today's mortgage rates by state and city in our mortgage broker directory. 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Daily Mortgage Rates Conforming Avg. 7d avg. 7d chg. 30 Year Fixed 5.71% 5.74% 0.03% 1/1 Adjustable 4.62% 4.47% -0.15% Jumbo Avg. 7d avg. 7d chg. 30 Year Fixed 5.98% 6.02% 0.04% 1/1 Adjustable 4.41% 3.89% -0.52% Mortgage Refinance Is your interest rate too high? Refinance could be an option. Are you in need of some extra cash? You probably want to reduce your interest rate... >> Debt Consolidation Everyone can get into financial trouble. Maybe you are behind on your bills and need help? Our debt consolidation lenders respond to your specific needs. They help you find a loan solution that fits your circumstances... >> Home Purchase Have you found your dream home? A home purchase includes finding the best possible home loan. Our brokers and lenders will guide you along the way... >> Home Equity Loans Do not look any further for your home equity loan or equity line of credit. 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California Mortgage Loan, California Home Buyers, Home Refinancing We've Got Your Loan! California mortgage loan source offering real estate financing for California home buyers and home owners Easy Pre-App l Refinance Loans l Home Equity Loans l Home Buying l No Equity Loans Rates are down, Opportunities are UP↑ Apply Now by Clicking Here Loans up to 125% of home value- even if there's no equity! Click here to Catch the CASH! Responding to an advertisement or flyer? Click Here Questions? Send us an e-mail info@LoanBiz.com LoanBiz.com provides first and second mortgage loans to California home buyers and home owners with all types of credit and financial needs. With our vast lender network, we are able to offer some of the lowest A credit mortgage rates as well as competitively priced non-conventional programs for borrowers with special income or credit needs. We provide mortgage loans for home buying, home refinancing, investment properties, debt consolidation, home improvements, or cash out for any purpose. Learn more about LoanBiz.com - Your California Mortgage Loan Source - Ready to buy that dream home? LoanBiz.com offers 100% home financing- even if your credit is not perfect! - Already a homeowner? The answer to your money problems may be right under your roof! Apply for a second mortgage and borrow up to 125% of your home value! Cash out may be used for any purpose. - Could you use a little CASH? Take advantage of today's low rates and refinance your existing mortgage! Convert your ARM into a fixed rate, or reduce your term from 30 to 15 or 20 years! - How much money can you save with a debt consolidation loan? Find out by checking out our calculator section. - Looking for a particular topic? Check out our site directory for your roadmap to LoanBiz.com - Have questions that don't seem to be covered? Send us an e-mail at info@loanbiz.com One of our agents will get back to you quickly - Click Here to APPLY NOW ! Take advantage of LoanBiz.com low rates and Fast Funding Time! Home Equity Loans If a borrower has established home equity, the loan is referred to as a second mortgage or home equity loan- up to 100% of the home value. Home owners wanting to utilize their home equity have the option of a second mortgage loan or a home equity line of credit (HELOC). Refinance Loans A Refinance Loan is simply taking out a new mortgage loan. If you are considering a home loan refinance, the first steps are to determine your short and long term goals and then to evaluate the different types of home refinance loan programs available. No Equity Loans No equity loans- also referred to as 125 second mortgage loans, are a way in which homeowners may borrow up to 125% of the current appraised value of their home. No Equity means that the homeowner can borrow money even if he/she has no equity established in the home. MoneyCentral Stock Quote Enter Symbol Career Opportunities LoanBiz, Inc. is licensed by the California Department of Real Estate #01327155. 22603 La Palma Avenue, Ste 307, Yorba Linda, CA 92887 1998-2004 LoanBiz, Inc. All rights reserved. Links: California Department of Real Estate I California Association of Mortgage Brokers California Association of Realtors I Orange County Association of Realtors San Diego Association of Realtors I Corona- Norco Association of Realtors National Assn. Mortgage Brokers I Home Loans I California FHA Loans I Home Selling Mortgage Insurance I Southern California Home Values I Rand Housing Statistics CA Office of Real Estate Appraisers I Dept Housing and Urban Development (HUD) Closing Cost Rebates I Southern California Real Estate This Site Managed By Innomarks, Inc.

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Wisconsin Department of Veterans Affairs Primary Mortgage Loan Page | Home | About WDVA | Current Events | Forms & Brochures | News & Publications | Federal Veterans Benefits | State Veterans Benefits | Eligibility | Education Programs | Emergency Grants | Employment Assistance | Help for the Homeless | I Owe You Program | Job Retraining Grants | Loans | Military Funeral Honors | Transportation to VA Medical Appointments | Veterans Cemeteries | Veterans Homes | Veterans Memorials | Veterans Museum | Veterans Service Offices | Women Veterans | Veterans Links | Site Map | Contact WDVA | Wisconsin Department of Veterans Affairs "Making a difference in the lives of Wisconsin Veterans" > Home > State Veterans Benefits > Loans > Primary Mortgage Loan Home Loan How to Apply | Requirements | Eligibility Current Interest Rate 5.99% Don't miss out on the ADVANTAGES of a WDVA Primary Mortgage Loan! Finance up to 95% of the purchase price of an existing home or cost to construct a new home. Refinance the balance due on mortgage loans. 30-year Fixed Rate -Lower monthly principal and interest payments that will never increase. Low down payment (5% down). Low closing costs, no points . No prepayment penalty. WDVA pays the loan origination fees of veterans with 30% or more service conected disabilities. No private mortgage insurance (PMI). Lenders require PMI for loans with less than a 20% down payment. Wisconsin offers a state veterans home loan program, entitled the Primary Mortgage Loan (PML), that is different from the USDVA Home Loan Guaranty Program. The state veterans home loan may be used for: Purchase or purchase and improvement of a single family home or condominium. Construction of a new single family home. Purchase of certain existing 2 to 4-unit owner occupied residence. (Must be occupied as borrower's principal residence.) Refinance of the balance due on existing mortgage loans used for purchase, construction, or improvement of a residence. COMPARE MONTHLY PAYMENTS for a $250,000, 30 year, 5% down Conventional WDVA Savings Rate 5.85% 5.99% P&I $1,475 $1,497 PMI $163 $0 Payment $1,638 $1,497 $141 SAVE $1,692 ANNUALLY Requirements The state veterans home loan is available to: Eligible Wisconsin veterans. Members and former members of the National Guard and Reserve who have completed 6 years of continuous service under honorable conditions. Unremarried spouses and dependent children of eligible deceased veterans. Eligibility Before you can apply for a loan you must establish eligibility for Wisconsin veterans benefits and then obtain a Certificate of Eligibility. Contact your County Veterans Service Office for assistance. If you have had past benefits with WDVA, you can obtain your Certificate of Eligibility on our Web site. How To Apply Bring your WDVA Certificate of Eligibility to a participating lender when you apply for your state veterans home loan. Local banks, savings and loans, credit unions, and mortgage brokers participate in our home loan program. For More Information For loan-specific questions, call 1-800-WIS-VETS (947-8387), or email the Loan Section . For eligibility and application process questions, contact your County Veterans Service Office . The information above regarding WDVA loans is not all-inclusive and may change without notice. WARNING: The WDVA receives a statewide support lien docket listing all individuals who have a delinquent child-support obligation in Wisconsin. According to state law, the WDVA may not approve a Primary Mortgage Loan or a Home Improvement Loan for any applicant on the docket unless the applicant provides one of the following items: Provides a statement signed by the Wisconsin Department of Workforce Development or its designee showing that all delinquent obligations have been paid. A copy of a child-support repayment agreement that has been kept current for the six month period before the date the WDVA receives the application as long as no lien exists. Wisconsin Department of Veterans Affairs 30 W. Mifflin Street • Madison, WI 53703 (608) 266-1311 or toll-free 1-800-WIS-VETS (947-8387) Legal Notices and Disclaimers Email: Webmaster

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Free information about buying French property - www.day-tripper.net £1 = 1.40 € Discount Tobacco In Adinkerke Book Hotels 1st Shop In Adinkerke Adinkerke Route 66 Tobacco Alley Tobacco Exit-5 Smokey's In Luxembourg Brazza Page Menu - Property Shows - Workshops - how to - Points to consider - buying - Terms - Land Measurements - SIRET numbers - Services - About us - Related pages Advertising Books / Maps Channel Hoppers Guides - £5.79 Related Pages - Property to Buy - Property to Rent Property to Buy - Points to consider when buying - Property Shows - Estate Agents - - Useful Words/Phrases Services - Architects - Builders / Property Maintenance - Finance - Foreign Exchange - House Insurance - Notary - Removals - Solicitors - Estate Agents - Other information - Hotels in France - French Tourist Offices New to Day-tripper.net? More About Eurotunnel Eurostar Norfolkline PO Ferries Seafrance Speedferries Updated: 24/9/05 Information on buying property (gites, cottages, chalets) in France - www.day-tripper.net the web magazine for visitors to France. French Property for sale Our interest is in the North West of France, in the departments of Nord (59), Pas-de-Calais (62), Picardie (80), Normandy - Seine-Maritime (76), Calvados (14), Manche (50), and Brittany - Ille-et-Vilaine (35), Côtes d'Armor (22), Finistère (29). If you are looking to buy or sell property in this part of France this page will give you the details. If your property is within 45 minutes drive of the port and you would like your gîte or apartment details to appear on this page - e-mail us with your details. We advertise properties for free, although a detailed page can be created with photographs and other details for which there is a charge ( more details ). ZEImmo , 41 rue de Boulainvilliers - 75016 Paris France. Tel: 0033 6 21 07 67 69 Book a fare - www.bestferryfares.com P&O Ferries Norfolk Line Useful outside links www.nexdom.com - Immobilier in France. www.french-property-news.com - French Property News. www.ouicanhelp.com - Any problem, anywhere, any time. www.french-property.com - . - www.infobilan.fr - SIRET numbers. Check if your artisan is legally registered and entitled to work in France. - www.apcm.com - Chambres de Métiers. - www.artisanatweb.com - About artisans in France. - www.avf.asso.fr - Settling in in France? This organisation can help. Aims include: To provide a “welcome service” for anyone who has moved to a new area. To help newcomers to meet new people. To improve the quality of life of each town and to contribute to the development of the region. AVF is a national association with 400 local branches throughout France, run by trained volunteers. - www.saynoto0870.com . www.dominican-republic-real-estate.net - Property for sale in Dominican Republic. North France - Nord (59), Pas-de-Calais (62), Picardie (80) Normandy - Seine-Maritime (76), Calvados (14), Manche (50) Brittany - Ille-et-Vilaine (35), Côtes d'Armor (22), Finistère (29) Riberac, Dordogne - Lectoure, Gers Calculation tools ( conversion tools ) Calculators (Entenial) Area Conversion Mortgage Calculator (Entenial) Notary Expenses (Entenial) Estate Agents Highly regulated in France, Estate Agents must be professionally qualified. Displayed in their office must be; his/her professional Charter (The Charter of Property and Business Transactions), Financial Guarantee document for at least 328,000 euro (if it is less than 328,000 euro he is not entitled to handle a clients money). Federation of Estate Agents (France); www.fnaim.fr . Pas-de-Calais Boulogne - Dieppe - Le Havre - Roscoff - Saint Malo France 123immo SA , 8 rue Jean Jaurès. 81470. Cuq-Toulza. France. Tel: 0033 826 00 31 31. Fax: 0033 563 70 82 86. Abbott Management (property search Provence), Tel: 020 7225 1995. Fax: 0207 225 1905. Fax: 0207 7225 1905. Agence Globe (Gers, Lot and Garonne), Tel: 0033 562 59 01 46. Fax: 0033 562 59 01 47. Agence Hamilton , Tel: 0033 468 72 48 38. Fax: 0033 472 62 26 68. Authentic France, 27 Gresham Road, London. E6 6DS. Tel: 020 8471 8600. Fax: 020 8471 8600. Agence Pierre Chretien - JB Transactions (Auvergne), 4 rue Montgolfier, 63600. Ambert. France. Tel: 0033 473 82 16 74. Fax: 0033 473 82 28 86. Agence Vallée des Rois (Loire Valley), rue de l'Hotel de Ville, 49250. Beaufort en Vallée, France. Tel: 0033 241 45 22 22. Fax: 0033 241 57 13 21. AGERIM Côte d'Azure, 6, av. de Suéde, F-06000, Nice. France - . Tel: 0033 497 03 04 05. Fax: 0033 493 88 26 26. AIMS INTERNATIONAL , Le Bourdonne, 53640. Le Horps. Mayenne, France. Tel: 0033 243 04 26 99. Alpine Apartments Agency, Tel: 01544 388 234. Alpine Residences (Alpine areas), 5 Sky Business Park, Eversley Way, Egham, Surrey. TW20 8RF. Tel: 01784 471 377. Fax: 01784 435 248. A House in France Ltd., - Tel: 020 8959 5182. Fax: -. Beaches International, Tel: 01562 885 181. Brittany - Tel: 0871 717 4163. Charente - Tel: 0871 717 4164. Normandy - Tel: 0871 717 4162. - Collot Immobilier , 7, rue Dragut, 20137 Porto Vecchio. Tel: 0033 495 70 30 47. Fax: 0033 495 70 30 47. (CORSICA) Sue ELLIOT , . Tel: 0033 553 61 91 89. Fax: -. Erna Low, Tel: 020 7584 2841. Francophiles, . Tel: 01622 688 165. Fax: -. FRENCH DISCOVERIES CHARENTE , . Tel: 0033 545 37 69 90. Fax: 0033 545 37 69 99. www.frenchpropertylinks.com , - FrenchProperty Service , property for sale on the net. - French Property Shop (South West France), Clergyhouse, Churchyard, ashford. TN23 1QG. Tel: 01233 666902. Fax; 01233 666 903. Hamptons, Tel: 020 7589 8844. Hexagon France Limited, Webster House, 24 Jesmond Street, Folkestone. Kent. CT19 5QW. (Brittany, Normandy, Pas-de-Calais, Picardie). Tel: 01303 221 077. Fax: 01303 244 409. J. B. French Houses (Brittany & Normandy), Tel: 02392 297 411. KBM Consultancy (Most regions), Unit C, South Cerney Business Estate, Broadway Lane, South Cerney. Glos., GL7 5NX. Tel: 08700 11 31 41. Fax: 08700 11 32 42. E-mail: Leigniel Immobilier, agence de Sens (Bougogne), 14, Place Victor Hugo . Tel: 0033 386 65 20 58. Fax: -. Latitudes French Property Agents , Grosvenor House, 1 High Street, Edgware. Middlesex. HA8 7TA . Tel: 020 8951 5155. Fax: -. Le Lion immobilier , 34, place du Lion d'Or. 59800. Lille. Tel: 0033 320 13 81 81. Fax: 0033 320 13 85 84. (Lille) Live France Group (Languedoc, Normandy and the Midi-Pyrénées), Tel: 0871 717 4143. in France, +33 (0)4 68 45 69 19. Maison Individuelle, Tel: 01707 376 255. Moore Direct Properties, 9 rue d'Auray, 56150. Baud. France. Tel: 0033 297 08 01 75. Fax: 0033 297 08 01 76. Normandy Search Agent, Tel: 0033 231 93 97 43. North and West France Properties - . Tel: 020 8891 1750. Fax: 020 8891 1760. Papillon Properties, Tel: 01799 527 809. Paris Dream Home , Tel: 020 7820 1337. PARIS PROPERTY OPTIONS, 19 Warrior Gardens, St Leonards-on-Sea, East Sussex. TN37 6EB. Tel: 01424 717 281. Fax: 01424 722 387. Properties in France , La Croix de Noël. 49390. Mouliherne. France. Tel: 0121 744 0820. Fax: -. PROPERTIES 47 LTD. (Lot-en-Garonne, Gers, Beziers), Piquepe, 47130. Bazens. France. Tel: 0033 553 95 86 23. Fax: 0033 553 95 22 58. Purlow's Gascony. Tel: 0033 562 67 61 50. Real Estate Languedoc - Agence Immobilière, 35, rue de la Fontaine. 34480. Saint-Geniès-de-Fontédit. FRANCE. Tel: 0033 467 36 34 28. Fax: 0033 467 36 34 02. La Résidence , 17 St Martin's Street, Wallingford. Oxford. OX10 0EA. Tel: 01491 838 485. RURAL RETREATS (Languedoc), Tel: 01524 812 359. Fax: 01524 812 662. Sifex (Southern France), . Tel: 020 7384 1200. Fax: 0207 384 2001. SIMONS (most regions) - PO Box 1737, Fordingbridge, Hampshire. SP6 3QN. Tel: 01425 653 355. Fax: 0870 705 8458. SINCLAIR OVERSEAS PROPERTY NETWORK , The Business Centre, PO Box 492, Leighton Buzzard, Beds., LU7 7WG . Tel: 01525 375 319. Fax: 01525 851 418. Snow & Sea, Tel: 020 7494 0706. Time on Your Hands , Property Search (Calvados, Charente-Maritime, Haute-vienne, Limousin, Poitou-Charente, Provence, Vendée). Transaxia - La Châtre, 178 Route Nationale, 36400. La Chatre . Tel: 0033 254 06 00 60. Fax: -. VEFUK , Tel: (UK) 020 7515 8660. Fax: -. VIALEX INTERNATIONAL IMMOBILIER LTD. , Rue Messager, 47470. Beauville. France. Tel: 0033 553 95 46 24. Fax: 0033 553 95 46 25. WATERSIDE Properties International Ltd. , . Tel: 01892 750 011. Fax: 01892 750 033. ZEImmo 41 rue de Boulainvilliers. 75016. Paris. France. Tel: 0033 6 21 07 67 69 Sort of properties offered 1 - Country house with pool (Tarn) 2 - 16th Century Chateau (Haute Garonne) Fax: 0033 - Web Site; www.zeimmo.com Area; All France. A placing like this from £100 a year - more Finance - Abbey National , Les Arcades de Flandre, 70 rue Saint Sauveur, 59046. Lille. Tel: FR. 0033 320 18 18 17. UK 0800 169 8470. Fax: 0033 320 18 18 55. Free Guide call 0033 320 18 19 80 or freephone 0800 169 84 70. Banque Scalbert Dupont, 9, Rue Royale, BP 182, 62104. Calais. Tel: 0033 321 19 11 96Fax.; 0033 321 97 44 56. Barclays France, Champs Elysées International Branch, 6 Rond point des Champs Elysées, 75008. France. Tel: 0033 1 44 95 13 80. Fax: 0033 1 42 25 73 60. UK 020 7977 4359. - Conti Financial Services , 204, Church Road, Hove, East Sussex, BN3 2DJ. England. Tel: 01273 772 811. Fax: 01273 321 269. - Credit Agricole , 14050. Caen. Cedex, France. Tel: 0033 231 55 67 89. Entenial (French Company) - French Mortgage Connection , Tel: 0800 0745 388. MFS Partners, Tel: 01752 664777. Norwich & Peterborough. Tel: 01733 372 006. Kevin SEWELL Mortgages , Tel: 01380 739 198. Fax: 01380 723 249. - Moneycorp Commercial Foreign Exchange , 2 Sloane Street, Knightsbridge. London. SW1X 9LA. Tel: 020 7823 7800. - Mortgage France , La Fraye Touarte, Route de Gréolières CD6. 06480. La Colle sur Loup. France. Tel: 0033 493 32 13 95. Siddalls Financial Services Ltd ., Lothian House, 22 High Street, Fareham. Hampshire. PO16 7AE. Tel: 01329 288 641. Fax: 01329 281 157. Templeton Associates , Rivers Street Place, Julian Road , Bath BA1 2RS. Tel: 01225 422 282. Fax: 01225 422 2879. Woolwich, Tel: 020 8298 4400 Foreign Exchange ( exchanging money ) Caxtonfx , 2 Motcomb Street, London. SW1X 8JU. Tel: 0845 658 2223 / 0207 201 0509. - Currencies 4 less. Bakery Place, altenburg Gardens, London SW11 1JQ, England. Tel: 020 7228 7667Fax.; 0207 228 76 78. Web; www.currencies4less.com . Foreign Currency Direct Ltd. The Old Malt House, Currencies Court, Old Amersham. Buckinghamshire. HP7 0HL. Tel: 0800 328 5884 / 0044 1494 725 353. Fax: 01494 727 041 / 0044 1494 727 041. Web; www.currenciesdirect.com . Foreign Payments, West End Office, Foreign Payments Limited, 34 South Molton Street. Mayfair. London. W1K 5RG. City Office, Unit 18, St. James's Park Underground Station. 55 Broadway. London SW1H OBB. Tel: 020 7344 9111. Web; www.foreignpayments.co.uk Halewood International Foreign Exchange (HIFX Ltd), Mistress Pages House, High Street, Windsor. Berks. SL4 1LD. Tel: 01753 859 159. Fax: 01753 859 169. Sucden (UK) Limited , 5 London Bridge Street. London. SE1 9SG. Tel: 0207 940 9663. French terms ( more property words/phrases ) Acte de Vente - Deed of sale Compromis de vente - commitment to sell (binds seller and buyer) Conditions suspensives - a condition that states the contract will only become binding if certain things happen. Mandate Exclusive - a mandate where the vendor entrusts all the negotiations to a single agent for a specified period. Mandate Simple - a mandate where the vendor still reserves the right to negotiate in the sale. Notaire - lawyer Promesse de vente - promise to sell (only binds seller) House Insurance ( Travel insurance ) Agence Eaton, Continent Assurances, 28, rue du Lt. Col Maury. BP285. 56008. Vannes Cedex. France. Tel: 0033 297 47 31 97. Andrew Copeland Group, Tel: 020 8656 8435 (property), 020 8656 2544 (motor). Enterprise Tredinnick, Tel: 0033 545 82 42 93. Hiscox Insurance , Tel: 0845 741 3551. London & European Title Insurance Services, Blagrave House, 17 Blagrave Street, Reading. Berks. RG1 1PW. Tel: 0118 957 5000. Fax: 0118 950 5030. Land Measurements When buying a house in France land is usually quoted in Hectares 1 Hectare = 10,000 square metres = 2.5 acres (approx) 8,000 square metres = 2 acres (approx) 4,000 square metres =1 acre (approx) 2,000 square metres = 0.5 acres (approx) 10 Ares =1000 square metres = 0.25 acre (approx) 1 Are = 100 square metres Magazines for French Property Buyers - Notaries A Notary in France is a public officer responsible to the Ministry of Justice. They have to ensure that all the requirements of French Law are satisfied, and that all taxes are paid. They cannot advice you and you should consider engaging your own solicitor. When you buy a property in France the money is always paid directly to the Notary, not the vendor. Title deeds must also be signed in front of a Notary. Other Measurements Plumbing and Central heating - copper pipe sizes in France (outside daimeter sizes) WC Basin Bidet Shower Bath Sink 10mm 12mm 12mm 14mm 16mm 14mm Equivalent sizes relating to British Standard Pipe Threads (BSP) are as follows; 1/4 BSP 3/8 1/2 3/4 1 inch 1 1/4 1 1/2 8/13 mm 12/17 15/21 20/27 26/34 33/42 40/49 Points to consider when buying See as many properties as possible Choose a lawyer who speaks French and understands the French legal system Be aware of the inheritance laws before you sign any document Remember that the notaire acts for both parties Don't even think of gazumping - it's illegal in France. Once an offer has been accepted, no others will be considered. Once the deposit is paid the deal is binding Estate agents fees can be split between the vendor and the purchaser. Check before you proceed. Always check the cost of installing services should they be needed - it could be prohibitive. Add about 10% of the purchase price as a guide to buying costs. There is no leasehold in France so find out about management arrangements when buying a flat. Property Shows Free tickets on 01323 726040. www.french-property-news.com . Property Taxes There are two taxes on all residential property (houses and flats). These are collected by the State for the local authority's. These taxes are assessed at individual rates according to location and can vary substantially. Ask your estate agent for these details when you are looking at properties to buy. 1 - Taxe foncière. As the owner of a property on the first day of January, you are liable for paying this tax which is due for payment by October/November. Penalties or fines are added for late payment, but it is possible to arrange a monthly payment scheme. 2 - Taxe d'habitation. The occupant of the property on the first day of January is liable for paying this tax. Even if you only use the property on occasional visits, if it is furnished and supplied with water and electricity you are liable for this tax. Swimming Pools Eau Sparke , 24700. St. Remy sur Lidoire. France. Tel: 0033 535 82 06 39. PBL (Piscines, Bateaux, Loisirs), Rue Joseph Arnal - ZAE de Bresles. 60510. Bresles. Tel: 0033 344 07 00 98. Fax: 0033 344 07 12 09. Splash Pools, Platts Road, amblecote. Stourbridge. DY8 4YR. Tel: 01384 390 380. Installation throughout France. Workshops / Courses Living France - Living France Magazine runs a serie sof workshops for people interested in buying a property in France. French Magazine - Home Buying France, courses at UK locations. Other Information The Federation of International Property Developers and Agents. Tel: 020 8941 5588. Ideas for housebuilding (in French) - www.ideesmaison.com . - www.avf.asso.fr - Settling in in France? This organisation can help. Aims include: To provide a “welcome service” for anyone who has moved to a new area. To help newcomers to meet new people. To improve the quality of life of each town and to contribute to the development of the region. AVF is a national association with 400 local branches throughout France, run by trained volunteers Services - this section lists many companies, services and individuals who may be of assistance when buying a property in France. Architects Cedric Mitchell Architects , Tel: 01834 831 100. Builders / Property Maintenance - Artisan Anglais. Find an English speaking artisan in France. British Builder, Tel: 0033 321 09 15 25. La Garde Maison, Tel: 0033 243 00 69 47. Gites 'R' Us, Tel: 01526 353 765. Le Manche Property Services, Tel: 0033 233 91 62 84. Welby (Brittany), Tel: 0033 296 87 57 37. - Rural Rénovations , L'Oriardiere, 53700 St Germain De Coulamer. France. Tel: 0033 243 0349 94. Fax: 0033 243 03 49 94. S&G Surveillance & Gardiennage - (Brittany), 11, Bis rue de Rosiers. 50800. Sainte-Cecile. Villedieu-les-Poeles. Welby (Brittany), Tel: 0033 296 87 57 37. SIRET numbers Check if your artisan is legally registered and entitled to work in France. - www.infobilan.fr - Type in the number to see if it is legal. www.cofacerating.fr - Surname, name and number checked. - www.infogreffe.fr - Surname, name and number checked. - www.societe.com . Quite a detailed check. What is a SIRET number? Information from - www.artisan-anglais.com. The SIRET number is an identification number for each French business. It is unique to that business and legally linked to a particular person. If several people engage in similar activities at the same geographical location then each must have their own SIRET number. The SIRET number is also linked to the geographical site as well so the same legal person should get a different SIRET number if his activity takes place in several different locations. It is set up by the INSEE (Institut National de la Statistique et des Etudes Economiques ) in the framework of the system SYRENE. (Système National Informatique pour le Répertoire des Entreprises et des Etablissements) The SIRET number is made up of several different identifiers and is unique to the particular business. Companies (entreprises) who run several businesses in different areas must have a SIRET number for each business and different establishments who work individually in the same location must also have individual SIRET numbers. The SIRET consists of 14 digits. The first 9 numbers are the SIREN number for the business. The first 8 digits have no significance except for administrative purposes and to organisations such as communes, fiscal offices etc. They identify the business as well as its location on the national list. The ninth digit is a check digit and has no link to the characteristics of the type business concerned. The SIREN is only issued once and removed from the list as soon as the business ceases to function, the owner dies or the business is dissolved. As it is legally linked to an individual, it is not transferred. The second part of the SIRET number is the NIC (Numéro Interne de Classement) which consists of 5 digits. The first 4 identify the business (or one of several businesses in the case of an enterprise running several establishments) The 5th digit is another check digit to validate the complete 14 number code. All registered workers should be immatriculated with the Centres de Formalités des Entreprises (CFE) at their local Chambres de Commerce, Chambre de Métiers, Tribunaux de Commerce, or the URSSAF, Services Fiscaux, or regional office of the INSEE. The only real ways to check if someone is registered for all trades they advertise are: 1. Ask to see his/her "carte d'indentification" issued by the local Chambre de Metiers which lists the trades on the card. This is a white card with green writing on the cover, and everyone has to have one. 2. Contact the Chambre des Metiers and ask direct. 3. Ask to see insurance documents for responsabilité civile and decennial which are the two obligatory insurances in France. The insurance document will show and list the items or trades which the artisan is insured to undertake. Electricity, Gas, Water & T.V. - Electricité de France , 2, rue Louis Murat. 75384. Paris. Tel: 0033 140 42 22 22. - Gaz de France . - Générale des Eaux , National domestic water supplier. T.V. - Aerial Techniques , 59 Watcombe Road, Southbourne. bournemouth. Dorset. BH6 3LX. Tel: 01202 423 555. Fax: 01202 425 055. - France Telecom . Removals Anglo French Removals, Tel: 01622 729 911. H. Appleyard & Sons, Denby Way, Hellaby Industrial Estate, Rotherham. Yorks. Tel: 01709 549 718. Fax: 01709 700 649. Armishaws, tel 01963 34065 / 0208 995 3350. Bishop's Move Group , Tel: 020 7498 0300. Fax: 020 7622 1794. Bradshaw International , . Tel: 0161 946 0809. Burke Bros ., Tel: 0800 413 256. Fax: 01902 427 837. Cotswold Carriers , Unit 2, The Walk, Hook Norton Road, Chipping Norton. Oxon. OX7 5TG. Tel: 01608 730 500. Fax: 01608 730 600. Callington Carriers, Valentine Road, Callington. Cornwall. PL17 7DF. Tel: 01579 383 210. David Dale Removals , Dale House, Forest Moor Road, Harrogate. HG5 8LT. Tel: 01468 691 571. Ede Bros. , Tel: 01306 711 293. Fax: 01306 711 765. E.R.S. Ltd., Tel: 0033 553 93 75 52 Farrer & Fenwick Removals, Park House, 34 Bridge Street. Walton on Thames. Surrey. KT12 1AJ. Tel: 01932 253 737. French Connexion, Tel: 01935 872 222. French Moves, Tel: 0033 553 01 46 92. Home to Home, Tel: 0800 783 4602. www.internationalhouseremovals.com , Leicester. LE7 4TF. Tel: 01664 424 949. Fax: 01664 424 919. Langdon Removals, Tel: 0117 963 7404. Lawlers Removals , Tel: 0114 275 10 20. Metro Removals, Orion Way, Kettering. Northants. NN15 6NL. Tel: 01536 519 450. Pink & Jones, Tel: 01536 512 019. Richman-Ring Ltd. , Tel: 01795 427 151. - Removal Group , 46-48 Mere Green Road, Sutton Coldfield. Birmingham. B75 5BT. Tel: 0870 240 7432. Fax: 0121308 0810. Robinsons International Moving & Storage, Nuffield Way, abingdon. Oxon. OX14 1TN. Tel: 01235 552 274. Fax: 01235 553 573. Steele Removals , Tel: 0500 135 777. The Personal Moving Service, Tel: 0033 233 35 31 80. Security Marine Security - Tel: 01626 365 282. Mobile; 07957 384 896. Solicitors For a list of French speaking solicitors ring the Law Society of England & Wales. Tel: 0870 606 6575. Blake Lapthorn Solicitors ; Tel: 020 7430 1709. Headon Consulting , Moulin de Lahontan, 32360. Jégun. Gers. France. Tel: 0033 562 68 00 81. Fax: 0033 05 62 68 01 49. Fox Hayes , Leeds. Tel: 0113 209 8922. Pannone & Partners solicitors , Tel: 0161 909 3000. John Howell & Co., 17 Maiden Lane, covent Garden, London. WC2E 7NL. Tel: 020 7420 0400. Fax: 020 7836 3626. Prettys Solicitors , Elm House, 25 Elm Street, ipswich. Suffolk. IP1 2AD. Tel: 01473 232 121. Fax: 01473 230 002. Riddle Croft & Co. Solicitors , 27 St Helen's Street, Ipswich. Suffolk. IP4 1HH. Tel: 01473 384 870. Fax: 01473 384 878. Russell Cooke Solicitors , 2 Putney Hill, Putney. London. SW15 6AB. Tel: 020 8789 9111. Fax: 0208 780 1679. Sean O'Connor & Co. Solicitors, 2 River Walk, Tonbridge. Kent. TN9 1DT. Tel: 01732 365 378. Stephen Smith (France) Ltd ., 161 Cemetery Road, Ipswich. IP4 2HL. Tel: 01473 437 186. Fax: 01473 436 573. Withers Solicitors, Tel: 020 7936 1000. Site Menu Property Homepage Architects Builders Estate Agents Finance Foreign Exch. Insurance Notaries Other Info. 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