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Colorado Real Estate Colorado Real Estate Alabama Real Estate Alaska Real Estate Arizona Real Estate Arkansas Real Estate California Real Estate Colorado Real Estate Connecticut Real Estate Delaware Real Estate Florida Real Estate Georgia Real Estate Hawaii Real Estate Idaho Real Estate Illinois Real Estate Indiana Real Estate Iowa Real Estate Kansas Real Estate Kentucky Real Estate Louisiana Real Estate Maine Real Estate Maryland Real Estate Massachusetts Real Estate Michigan Real Estate Minnesota Real Estate Mississippi Real Estate Missouri Real Estate Montana Real Estate Nebraska Real Estate Nevada Real Estate New Hampshire Real Estate New Jersey Real Estate New Mexico Real Estate New York Real Estate North Carolina Real Estate North Dakota Real Estate Ohio Real Estate Oklahoma Real Estate Oregon Real Estate Pennsylvania Real Estate Rhode Island Real Estate South Carolina Real Estate South Dakota Real Estate Tennessee Real Estate Texas Real Estate Utah Real Estate Vermont Real Estate Virginia Real Estate Washington Real Estate West Virginia Real Estate Wisconsin Real Estate Wyoming Real Estate Welcome to the Colorado section of Real Estate Guide USA. We have one of the largest listings of independentreal estate agents online. Our goal is to showcase the premier Colorado real estate agent websites online. Be sure to feel out multiple real estate agents when searching so that you cansee first hand which are most responsive to your needs. We are confident all of the agents listed with us will exceed your expectations. When you contact an agent please let them know that you found them through REGuideUSA.com. FREE Property Listings - Agents add your property listings for free at eHousingMarket! Buyers browse detailed property listings with no registration! Find A Colorado Real Estate Agent - Planning to Sell or Buy a Home? Compare REALTORS First. It's Fast, Free, and Anonymous! Keystone Colorado Resort Real Estate - Search all Summit County real estate including Keystone, Breckenridge, Dillon and Frisco Colorado. Homes, Condos and Land for sale. Helping Buyers and Sellers using latest technology. Colorado Real Estate Links - Colorado real estate new homes and home builder web sites. Nancy Gregory: Summit County Real Estate - Buy homes and condos in Summit County Colorado featuring Dillon, Keystone, Frisco, Breckenridge, Silverthorne and Copper Mountain properties Inthesprings.com - Christy Rauh - Colorado Springs Realtor, Specializing in the new homes, townhomes, and condos. Denver Homes Real Estate - Denver Colorado Real Estate: Search MLS Homes for Sale, Relocation/School Info and more. Buyer or Seller Realtor Representation. Golden, Genesee, Jefferson County Colorado Real Estate - Best, most informative site in the Denver West, Golden and mountain communtities of Lookout Mountain, Genesee, Evergreen. Search MLS, neighborhood information and links, relocation information, Search for homes by neighborhood. Must See!!! Metro Brokersales - Home sales and acreage property in North Metro Denver Colorado-Full MLS search available and you can save properties to your own personal folder Denver Lofts - Denver Lofts Real Estate Listings in the Denver Metropolitan Area Colorado Springs Real Estate - Black Forest Homes - El Paso County Real Estate - Real estate in Colorado Springs, Black Forest, Monument, Falcon, Peyton, Calhan, Fort Carson, and El Paso County. Search the MLS and find buyer seller tips! Colorado Springs Real Estate - Serving Colorado Springs and El Paso County. Help with military relocations. Colorado HomeFinder - Colorado Home Finder specializes in real estate throughout Colorado in Denver, Highlands Ranch, Boulder, Littleton, Aurora, Arvada, Lakewood, Englewood, Castle Rock, Golden, Thornton, Westminster, Parker, Lone Tree, Larkspur and other Colorado communities. The Gold Medal Team MLS Site - Comple MLS listings for Colorado Springs area homes, properties, rentals, town homes, and more Colorado Springs Real Estate - Monument Homes for Sale - El Paso County Relocation - Real Estate in Colorado Springs, Monument, Manitou Springs, Falcon, Fountain, Security, Woodland Park, Teller County, and El Paso County. Find buyer seller tips and free reports! Highlands Ranch Real Estate - Denver Homes - Arapahoe County Real Estate - Real estate in Highlands Ranch, Denver, Centennial, Littleton, Greenwood Village, Lone Tree, Englewood, Parker, and Arapahoe County. Search the Denver MLS and get free reports! Colorado Springs Real Estate, Deb Jones - Real Estate assistance in the Pikes Peak region. Specializing in Military Relocation and First Time Home Buyers. Aurora Real Estate - Denver Homes for Sale - Arapahoe County Real Estate - Real estate in Aurora, Denver, Englewood, Littleton, Highlands Ranch, Thornton, Northglenn, Westminster, and Arapahoe County. Check out our local partners and community links info! Hqhomes - Biggest Colorado home search. Free moving truck, free 1st months mortgage payment, only 1% listing fee for selling a home. Western Colorado Cedaredge Real Estate - Marsha Bryan - Marsha Bryan with RE/MAX Mountain West will help you with all of your Western Colorado retirement plans. Covering all of Delta, Montrose, and Mesa County. Call her 24/7 direct line at (970) 856-8800 to find out more right now or click to visit her website. Colorado Real Estate - Search for homes in the Superior, Colorado area including the Rock Creek subdivision. Free MLS access to search for new and resale homes. Get a cash rebate on any home purchase or sell with no listing commission. Sharon Been - Buying and Selling Real Estate along the 285 Corridor from Denver to Breckenridge. Specializing in Mountain Properties, Luxury Homes to Cabins, as well as resort properties and Denver Metro homes. Also, An expert in assisting homeowners with foreclosures and working with investors. Mortgage Calculator - This advanced mortgage calculator allows you to calculate your monthly mortgage and see what percentage of your monthly mortgage payment will go to interest and principal. A must for any active house seeker! Real Estate Topsites - Top Real Estate Sites! We showcase the world's best Real Estate, Property and Home related websites ranked according to their popularity! Top Colorado Real Estate Agents - TopAgents.biz is your one stop shop for finding qualified real estate agents in your area! We take the guesswork out of finding a realtor by listing the most popular realtors online. STARTPLANE: Colorado Real Estate - Colorado Real Estate Directory Add a Site about Colorado Real Esate
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Mortgage rates-Compare current mortgage interest rates for todays home loans-Interest.com Compare Today's Rates | Mortgage Calculators | Mortgage Trends Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri 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 Purchase Refinance Fixed - 30 YR Fixed - 20 YR Fixed - 15 YR Fixed - 10 YR Fixed - 40 YR Fixed - Balloon - 5/25 Fixed - Balloon - 7/23 Adj - 1 YR - Treasury Index Adj - 1 MO - LIBOR Adj - 1 YR - COFI Adj - 3/1 YR Adj - 5/1 YR Adj - 7/1 YR Adj - 10/1 YR VA - Fixed - 30 YR VA - Fixed - 15 YR VA - Adj - 3/1 YR VA - Adj - 5/1 YR VA - Adj - 7/1 YR FHA - Fixed - 30 YR FHA - Fixed - 15 YR FHA - Adj - 1 YR FHA - Adj - 3/1 YR FHA - Adj - 5/1 YR FHA - Adj - 7/1 YR Inside Mortgages Pick the Right Mortgage to Avoid Winding Up House Poor Owning a house is the American dream. For some people, however, it can become the American... Daily Market Update Mortgage Rates Holding A stronger-than-expected report on Consumer Confidence released Wednesday put pressure on U.S. Treasury securities in the... In the Mortgage Blog: Jiggling Tea Leaves No drama-queen scenes from the Fed on Tuesday. It rehearsed its lines, followed the script and performed largely as-expected. The Federal What's your response? -- House Passes GSE Reform In a 331-90 vote, the House of Representatives has passed The Federal Housing Finance Reform Act of 2005. .. Get Your Tax Paperwork Organized to Maximize Deductions With just a short time before we say goodbye to 2005, its never too soon to start gathering your tax papers so youll be ready before the April 15 federal filing deadline, especially if you bought or sold real estate during 2005. .. Handled Properly, I/O Mortgages Can Be Beneficial So-called non-traditional mortgages have been the brunt of many negative stories. .. More Information About The 'Stated/Stated' Loan I have received numerous calls since last month's column about the "stated/stated" loan program, people asking for more detail. .. First-Time-Buyer Program Nets Family's First Home ARLETA - Patricia Galleguillos will wake up this morning in a special place. .. The Mortgage Market: A Forecast for 2006 With a record-setting year drawing to a close, community bankers are girding themselves for an uncertain mortgage market in 2006. .. View More Mortgage Headlines First Time Buyers · Comprehensive Mortgage Terms · Common Loan Programs · The interest.com Bookshelf · Which Mortgage Is Right for You? Refinance Loans · Shop for the Best Refinancing Deal · Answers to common questions about refinancing · Advantages of a 15-Year Mortgage · ARMs Can Build Equity Faster Than Fixed-Rate Loans Government Loans · Search for the best deal on a government-backed home loan · Find a local government housing agency to assist your financial needs · FHA loans help home buyers shut-out by traditional guidelines · FHA 203(h) Loans Help Disaster Victims Get Zero-Down Mortgages Advertisement click here for a partial list of our Media Partners Mortgage Today's Rates Find Local Lenders Mortgage Calculators Mortgage Trends Lender List by State Reverse Mortgage Lenders Interest Only Mortgages Refinance Mortgages Mortgage Forms Real Estate Forms Legal Forms Real Estate Articles Mortgage Blog Auto Loans Auto Lenders Auto Trends Auto Calculators Credit Cards Credit Cards Credit Card Trends Calculators Home Equity Equity Rates Equity Trends Loan Calculator Bad Credit Find Lenders Loan Calculators Deposits Products and Rates Charts and Trends Calculators Subscribe for Free Mortgage Updates E-mail Newsletters Wireless/PDA Interest.com, as mobile as you are . - Free Latest News Feeds Mortgage Talk Forum-financial knowledge is a click away . All personal information collected by interest.com is processed by our secured server. For more information, read our Privacy Statement . Email Us | Lender Sign In INTEREST.COM is an independent information service and is not affiliated with any lending institution. All content © 2005 by INTEREST.COM Press Room | Job Postings | About Us | Disclaimers | Lender Services | Advertise | Help
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Melody & Company , Century City Liberty Capital Advisors , Ontario Lyndel Funding Northmarq Capital , Newport Beach Ocean Pacific Capital , Irvine - residential Rubicon Realty Capital , Laguna Hills Soehnel, Edward J. , Alta Loma - construction Terrix Financial , Beverly Hills, Santa Ana Trinity Financial Group , Agoura Hills Index Professional Organizations American Agents Alliance Financial Women International Golden West Chapter , Orange Financial Women International (FWI) Inland Empire Financial Women International (FWI) Orange County National Home Equity Mortgage Association , Chino REOMAC - REal Estate Owned Managers Association of California , Marina del Rey Internet Services Database Applications All text, images and HTML © 1995-2005 Technique Development . All Rights Reserved.@LA is a registered trademark of Technique Development.The information on this page is presented as is. 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Home Equity Fraud How
Dont Lose Your Home. Home Equity Fraud Home Equity Fraud Consumers Union West Coast Regional Office Dont Lose Your Home. Home Equity Fraud How To Protect Yourself From Home Equity Lending Fraud DO Get free pre-loan counseling before you sign on the dotted line. Shop around for the best home equity loan for your financial situation. Read every word on any loan document before you sign. Avoid loans with one large "balloon payment" at the end. Protect your friends and neighbors by reporting home equity fraud immediately. DONT Dont fall for a loan from a door-to-door salesman or home improvement contractor who comes to your home. Dont decide whether you can afford a loan by the monthly payments alone. Dont sign anything that has blank spaces. Dont take out a loan on your property for anyone else unless you can afford to lose that money forever. What Is Home Equity Fraud? Sometimes, taking out a loan against your homes equity can be a good idea. Home equity borrowing should not be a problem as long as the loan is a fair one and you have the ability to repay the loan. Home equity lending fraud is different: Lenders seek you out and trick you into taking out a loan against your home which you cannot afford to repay. Most times, these loans have very high interest rates and steep fees. When you fall behind on your payments, the lender can take your home and all your equity through a legal process called foreclosure. The lender then owns your home. Once the damage is done, it is very hard to undo. Most people never get their homes back again. Why Should I Care? Nationally, home repair and home equity fraud have stripped the value from the homes of an estimated 100,000 people in 29 states. In the entire country, the San Francisco Bay Area is one of the areas hardest hit by home equity fraud. Real people, many of them senior citizens, have lost ownership of their homes and all their equity, with no hope of ever getting any of it back. Anyone with equity in a home is a potential target. You could be next. Your home equity is just like money. Protect it! If you are a homeowner or know someone who is, you should learn about home equity lending fraud. Knowing what to look for and how to protect yourself can keep you or a loved one from losing a home. Heres How To Protect Yourself From The Most Common Types Of Home Equity Fraud: Dont take out a loan from an uninvited door-to-door contractor who appears at your home. Instead: Many local government agencies have special programs to make it easy to repair housing. See if you qualify for one of these programs available in your area. See the Home Improvement Resource List, a separate Consumers Union publication. Find your own contractor; dont wait for one to come to you. Shop for your own financing. Youll probably get a better deal. Steer clear of door-to-door salespersons who want to fix your home after a disaster such as an earthquake or flood. Instead: Call the Federal Emergency Management Agency (FEMA) at 1(800)462-9029 for information about repairing and financing repairs to your home after a disaster. If you are in foreclosure because you couldnt pay your mortgage, someone you never heard of will offer you a new loan. Watch out. Instead: Think about selling your home and keeping your equity rather than taking out another loan. See a credit counselor to talk about all of your alternatives. Dont put your other debts "on the house" through a bill consolidation plan. When you consolidate credit card debt or your car loan, for example, into a home equity loan, you put your home on the line for that debt. Once you put that debt "on your house," you can lose your home if you dont make those payments. Instead: Talk to a credit counselor. You can get help to work with your creditors to make payments more manageable, possibly without putting debt "on your house." Look Out For These Danger Signs "No Credit? No Job? No Problem!" "Dont worry, you have plenty of equity in your home to qualify for a loan." Walk away from anyone who says any of these things to you. You may be dealing with someone who will treat you unfairly. They dont care if you can pay the loan. They know they can legally take your house through foreclosure if you dont pay. In their eyes, the one thing that "qualifies" you for a loan is your inability to pay it. Before you borrow against your home, ask yourself these two questions: Can I afford this loan? Just because a lender says you "qualify" doesnt mean you are getting an affordable or fair loan. If you cannot afford the loan, you will lose your home. What will I do if I lose my home? Most people have nowhere to go after they lose their homes. Remember that it is easier to learn how to protect your home now than it is to pick up the pieces after its gone. Take advantage of free, local loan counseling. See the Resources section at the end of this pamphlet. Dont Let Anyone Steal Your Home! Heres How: DO Get the "big picture" on a loan. Look at more than the monthly payments. Make sure that a loans interest rate and fees are competitive and fair. Shop around with different lenders to compare. Hang-up on unsolicited telephone callers. Toss-out mailers you receive from companies offering to arrange a home loan for you. Steer clear of high-pressure sales tactics, such as claims that an offer is good only for a limited time. Seek help from a trusted family member or friend who understands financial matters and can help you get free loan counseling. Avoid loans that are set up as "interest only, non-amortizing or partially amortizing loans." With this type of loan, you still owe the money you borrowed after you make all the payments. You must make one large, final payment, known as a balloon payment. If you cant make this payment, you may lose your home through foreclosure. You should avoid these loans at all cost. Beware of lenders or contractors who try to trick you into signing away your home. Make sure that a "Contract for Home Improvement Services" is only that. Dont give your house away by signing a "Deed of Trust" or a "Quitclaim Deed." Think twice about taking out a loan against your home to give money to anyone,even a friend or family member. Consider such a request only if you can afford lose that money forever. Otherwise, you may lose your house if the other person doesnt repay you in time. Act fast if you were pressured into signing for a loan you didnt really want or cannot afford. Federal law gives you three days to get out of a loan contract whenever your home is used as security for a home equity loan. You may cancel the loan for any reason, but only if you do it in writing within 3 days. This is known as the right of rescission. Contact an attorney immediately if you have any questions about whether your lender violated the law. DONT Dont sign anything related to a home loan without first obtaining independent, free advice from a nonprofit counseling agency. Check the Resources list below. Dont take the first loan offer that lands in your lap. Shop around! Some lenders charge more than others do. Dont trust door-to-door loan sellers. If you really need or want a home loan, you should make the first contact and carefully investigate all the possibilities before considering a loan. Dont take out a loan that is made solely on the value of your home, not on your ability to repay it. Your home equity alone does not give you the income you need to make the monthly payments. Dont borrow more money than you need. The bigger the loan, the more stake your lender will have in your home equity. Dont sign a form with incorrect information about yourself on it. Dont sign anything to do with your home that contains blank spaces. Once your signature is on a form, anyone can fill in those blank spaces with obligations that may be very different than the ones you have agreed to. Dont sign any forms written in a language you do not understand. You may be signing away your home without even realizing it! Its okay to say "I dont understand and I will not sign this." Remember: if the offer is good today, it should be good tomorrow If it sounds too good to be true, it probably is. Resources Before you take out a home equity loan, get pre-loan counseling for free: San Francisco Bar Association of San Francisco Equity Fraud Hotline and lawyer referral (415) 782-8903 Consumer Credit Counseling Service (415) 788-0288 or (800) 777-7526 Consumer Action (415) 777-9635 Alameda County ECHO Housing (510) 271-7931 Contra Costa County ECHO Housing (925) 679-8023 San Mateo County Consumer Credit Counseling Service (800) 200-6444 Legal Aid Society of San Mateo (650) 377-0158 East Palo Alto Law Collective (650) 853-1600 Santa Clara County Consumer Credit Counseling Service (800) 969-7526 If you feel you are the victim of home equity lending fraud, call one of the local agencies above. Then call the National Fraud Information Center. File a written complaint against the lender with the appropriate local law enforcement and state regulatory agencies. National Fraud Information Center (800) 876-7060 Fraud reports from consumers are sent within minutes to the appropriate law enforcement agency. Law Enforcement: San Francisco Office of the District Attorney: (415) 553-1814 Alameda County Office of the District Attorney: (510) 569-9281 Contra Costa County Office of the District Attorney: (925) 646-4500 San Mateo County Office of the District Attorney: (650) 363-4677 Santa Clara County Office of the District Attorney, Real Estate Fraud Division (408) 792-2880 State Regulatory Agencies: Call each agency to see if the lender you are complaining about is licensed by that agency. Sometimes lenders are licensed by both agencies. California Department of Real Estate 185 Berry Street, Room 3400 San Francisco, CA 94107 (415) 904-5925 California Department of Corporations 3700 Wilshire Blvd., Suite 600 Los Angeles, CA 90010 (800) 347-6995 (toll free) [ Health ] [ Finance ] [ Food ] [ Product ] [ Other ] [ About CU ] [ News ] [ Tips ] [ Home ] Please contact us at: http://www.consunion.org/contact.htm All information ©1998 Consumers Union