Real Estate Prices

DQNews - San Diego Union Tribune Zip Code Chart -- December 29, 2005 DQNews Home | DataQuick | Forums | -- Release | Custom Reports Search -- i Updated: December 16, 2005 -- -- -- Real Estate News -- . -- DQNEWS HOME -- RECENT RELEASES Monthly for SoCal Monthly for Bay Area New! -- CA Monthly City Chart ZIP CODE CHARTS Updated Monthly: LA Times Zip Chart SD Union Tribune Chart OC Register Chart SF Chronicle Chart Sacramento Bee Chart Annual Charts: CA 2004 City Chart LA Times 2004 Chart OC Register 2004 Chart SD Tribune 2004 Chart SF Chronicle 2004 Chart Sac Bee 2004 Chart Updated Weekly: SJ Mercury News Chart California SoCal Area Bay Area -- REGIONAL CHARTS Phoenix 3Q05 Honolulu 3Q05 Las Vegas 3Q05 Portland 3Q05 Seattle 3Q05 Nashville 3Q05 Miami/Palm Bch 3Q05 Jacksonville, FL 3Q05 Denver 3Q05 Chicago 3Q05 CURRENT HEADLINES Home Sale Trends Mortgage Trends -- Foreclosures Million Dollar Homes Building Activity Other Feature Articles NATIONAL NEWS -- WEB SITE EXTRAS ARCHIVED ARTICLES -- Customized News Services -- -- Custom Reports Archived Zip Code Charts Archived Articles -- Enter your email address to receive DQNews Headlines by email: -- Who We Are -- -- -- Find Out More About DQNews San Diego Union Tribune Zip Code Chart for Home Sales Recorded in November 2005 Back Issues are available through Custom Reports Resale New Single-Family Condominiums All Combined New Place Zip Sales Median % Chg Sales Median % Chg Sales Median % Chg Central San Diego 477 $539,000 5.7% 384 $430,000 4.4% 323 $444,500 -15.3% Allied Gardens, Del Cerro 92120 16 $589,000 7.1% 8 $367,000 -12.2% 5 $320,000 n/a City Heights 92105 28 $418,500 5.3% 17 $250,000 -5.1% 3 $224,000 -42.3% Clairemont 92117 32 $578,250 6.1% 5 $316,000 -3.5% n/a n/a n/a College 92115 29 $468,000 5.2% 16 $311,000 -11.1% 14 $234,000 -20.7% Coronado 92118 6 $1,235,000 -2.9% 17 $825,000 -37.4% n/a n/a n/a Downtown 92101 n/a n/a n/a 48 $539,250 -20.4% 147 $530,000 1.0% Encanto 92114 48 $450,000 9.5% n/a n/a n/a 4 $260,000 -45.8% Golden Hill 92102 19 $440,000 4.1% 4 $237,500 -18.1% n/a n/a n/a Hillcrest, Mission Hills 92103 12 $1,085,000 52.8% 24 $495,000 2.7% 10 $564,500 -9.7% Kensington, Normal Hts 92116 24 $504,500 -14.9% 7 $425,000 21.4% 14 $282,500 15.3% La Jolla 92037 18 $2,025,000 37.3% 35 $595,000 1.7% 22 $462,000 -13.6% Linda Vista 92111 17 $534,000 4.2% 9 $314,000 -18.1% 1 $296,000 n/a Logan Hts 92113 18 $368,500 -0.8% 1 $300,000 26.6% n/a n/a n/a Mira Mesa 92126 52 $520,000 4.0% 23 $400,000 12.7% 3 $359,500 1.3% Mission Bch, Pacific Bch 92109 13 $940,000 19.0% 25 $600,000 5.3% 10 $422,000 -22.6% Mission Valley 92108 n/a n/a n/a 25 $356,000 0.3% 1 $804,500 57.4% Morena 92110 8 $649,500 17.6% 12 $430,000 9.6% n/a n/a n/a North Park 92104 13 $575,000 13.1% 14 $318,000 1.9% 1 $360,000 n/a Ocean Beach 92107 10 $772,000 -8.0% 9 $410,000 -1.2% 4 $431,750 12.1% Paradise Hills 92139 18 $482,500 8.7% 8 $367,500 4.6% 7 $314,500 n/a Point Loma 92106 16 $870,000 15.2% 3 $605,000 24.7% n/a n/a n/a San Carlos 92119 15 $539,000 -2.0% 4 $317,000 0.3% 1 $1,350,000 n/a Scripps Rch 92131 21 $705,000 0.7% 20 $442,500 0.1% 18 $995,000 7.7% Serra Mesa 92123 15 $515,000 7.3% 12 $327,250 -27.7% 8 $517,250 2.1% Sorrento Val. 92121 4 $735,000 -7.3% 6 $422,250 -3.8% n/a n/a n/a Tierrasanta 92124 13 $675,000 -3.6% 15 $425,000 -0.6% n/a n/a n/a University Cty 92122 12 $720,000 6.4% 17 $465,000 -8.8% 50 $344,000 -28.0% East County 317 $490,000 6.5% 82 $325,000 1.7% 63 $446,000 -5.9% Alpine 91901 17 $679,000 8.6% 1 $245,000 -6.1% 5 $699,000 -17.5% Boulevard 91905 2 $353,750 114.4% n/a n/a n/a n/a n/a n/a Campo 91906 4 $386,000 42.3% n/a n/a n/a 20 $395,500 n/a Descanso 91916 2 $442,500 n/a n/a n/a n/a n/a n/a n/a El Cajon 92019 34 $545,500 4.4% 9 $356,000 1.7% 3 $275,000 -59.6% El Cajon 92020 30 $480,000 -4.0% 4 $280,000 -9.4% 2 $294,250 -25.5% El Cajon 92021 34 $466,000 -0.2% 15 $310,000 -4.6% 7 $955,500 106.1% Jacumba 91934 1 $92,000 -23.3% n/a n/a n/a n/a n/a n/a Jamul 91935 10 $792,500 -2.5% n/a n/a n/a n/a n/a n/a La Mesa, Mt. Helix 91941 37 $524,000 17.2% 4 $321,500 7.3% 8 $873,000 -5.4% La Mesa, Grossmont 91942 8 $515,000 1.9% 5 $428,500 30.8% n/a n/a n/a Lakeside 92040 23 $540,000 11.8% 6 $301,000 36.8% n/a n/a n/a Lemon Grove 91945 17 $435,000 3.0% 1 $315,000 0.2% 3 $312,000 n/a Pine Valley 91962 3 $495,000 43.5% n/a n/a n/a n/a n/a n/a Rancho San Diego 91978 4 $514,000 13.2% 1 $355,000 15.6% n/a n/a n/a Santee 92071 36 $470,000 8.5% 21 $350,000 11.5% 14 $474,500 1.7% Spring Valley 91977 55 $475,000 8.1% 15 $327,000 -7.2% 1 $660,000 19.3% North County Inland 547 $580,000 12.6% 134 $365,000 6.0% 218 $668,500 6.9% Bonsall 92003 6 $837,000 29.0% 3 $324,500 -20.9% n/a n/a n/a Borrego Spr. 92004 3 $125,000 -60.9% 1 $240,000 81.8% n/a n/a n/a Escondido S 92025 29 $490,000 4.8% 12 $317,500 0.8% 1 $575,000 -40.8% Escondido N 92026 41 $500,000 5.3% 6 $334,500 33.3% 12 $781,500 4.9% Escondido E 92027 46 $479,000 11.5% 2 $260,000 -3.3% 1 $948,500 50.6% Escondido W 92029 16 $664,500 6.3% n/a n/a n/a 1 $940,000 n/a Fallbrook 92028 48 $605,000 21.2% 2 $214,823 -40.3% 8 $797,250 26.6% Julian 92036 2 $271,000 48.5% n/a n/a n/a n/a n/a n/a Palomar Mtn 92060 n/a n/a n/a n/a n/a n/a n/a n/a n/a Pauma Valley 92061 1 $220,000 n/a n/a n/a n/a n/a n/a n/a Penasquitos 92129 41 $686,000 5.9% 17 $340,000 -2.9% 13 $917,000 73.0% Poway 92064 42 $588,000 7.1% 5 $420,000 -0.9% 1 $255,000 -88.5% Ramona 92065 36 $575,000 17.1% 5 $302,500 -11.9% 1 $659,000 -9.4% Rancho Bernardo W 92127 20 $1,050,000 70.7% 13 $395,000 18.6% 69 $457,500 -17.9% Rancho Bernardo E 92128 41 $675,000 16.4% 28 $420,000 -2.3% 6 $322,500 11.2% Rancho Santa Fe 92067 4 $2,512,500 11.7% n/a n/a n/a 1 $1,320,500 109.6% Rancho Santa Fe post office 92091 2 $2,800,000 93.1% 1 $865,000 -3.4% n/a n/a n/a San Marcos N 92069 35 $526,000 5.2% 6 $385,000 20.9% 10 $363,500 -39.9% San Marcos S 92078 37 $650,000 13.5% 13 $378,500 -7.2% 73 $702,000 21.5% Santa Ysabel 92070 1 $206,500 n/a n/a n/a n/a n/a n/a n/a Valley Center 92082 13 $660,000 -2.6% n/a n/a n/a 12 $840,500 5.6% Vista S 92081 20 $555,000 4.7% 5 $420,000 28.4% 1 $543,000 -41.4% Vista W 92083 25 $460,000 5.7% 9 $360,000 15.0% 5 $690,000 4.5% Vista E 92084 37 $580,000 19.6% 6 $367,000 11.4% 1 $889,000 175.2% Warner Spr 92086 1 $611,000 35.0% n/a n/a n/a 2 $53,750 n/a North County Coast 319 $645,000 9.5% 145 $455,000 5.1% 179 $807,000 19.6% Cardiff 92007 12 $677,500 -26.6% 4 $482,500 -10.6% 2 $1,232,000 n/a Carlsbad N 92008 12 $712,500 4.8% 6 $482,500 15.6% 2 $477,500 -48.9% Carlsbad S 92009 32 $770,000 10.0% 16 $447,000 6.4% 77 $890,000 -7.3% Carlsbad I 92010 11 $600,000 -8.3% 6 $410,000 -4.7% 4 $497,750 -29.4% Carlsbad II 92011 16 $865,000 10.9% 13 $645,000 -0.2% 3 $173,500 -77.4% Carmel Valley 92130 26 $970,250 7.4% 23 $645,000 20.6% 48 $791,500 -7.3% Del Mar 92014 13 $2,000,000 40.8% 4 $578,500 -20.8% 1 $2,400,000 108.7% Encinitas 92024 37 $815,000 7.2% 19 $512,500 -5.5% n/a n/a n/a Oceanside S 92054 41 $527,000 16.7% 19 $367,000 0.5% 7 $577,500 7.8% Oceanside E 92056 59 $506,000 6.8% 11 $349,000 -1.7% 11 $278,500 -55.0% Oceanside N 92057 52 $535,500 9.8% 18 $317,500 0.0% 23 $739,000 37.4% Solana Beach 92075 8 $1,047,500 -25.2% 6 $817,500 10.4% 1 $1,200,000 n/a South County 245 $602,500 13.7% 95 $385,000 6.6% 184 $506,500 -12.8% Bonita 91902 16 $703,000 0.4% 2 $385,750 -7.8% n/a n/a n/a Chula Vista N 91910 44 $611,000 15.6% 17 $385,000 2.7% 2 $737,500 n/a Chula Vista S 91911 34 $530,000 12.8% 25 $360,000 3.4% n/a n/a n/a Chula Vista - E. Lake - Otay Ran ch 91913 46 $677,500 15.4% 16 $414,000 -4.2% 21 $408,500 -37.3% Chula Vista NE 91914 14 $713,250 8.1% 5 $440,000 8.1% 37 $478,000 -45.4% Chula Vista SE 91915 23 $612,000 0.3% 8 $483,500 9.9% 87 $582,000 24.4% Imperial Beach 91932 7 $530,000 9.5% 3 $505,000 -3.8% n/a n/a n/a National City 91950 13 $444,000 9.6% 4 $312,500 0.2% 20 $495,750 n/a Nestor 92154 39 $585,000 23.2% 8 $367,500 5.8% 17 $662,000 26.5% San Ysidro 92173 9 $507,000 11.1% 7 $295,000 0.9% n/a n/a n/a ©DataQuick Information Systems This information may not be republished in any form. -- View the DQNews News editorial policy. -- Contact us at info@DQNews.com | DQNews Home | DataQuick Homepage

Land Loan

whosale land loan usedir.dynu.net whosale land loan online whosale land loan Top List Searching for Web Sites Offering "Loans"? For your convenience, we've gathered hundreds of Loan web sites and narrowed them down to the top 10. site: http://65.38.183.238 Need a Loan? Bad Credit OK - Auto Loans Need a new car? Our one-minute loan application gets you an auto loan quote even if your credit is less than perfect. Partners compete for your business with our free, no-obligation service. site: http://www.automotive.com whosale+land+loan Info Get the best info on whosale+land+loan from 14 Search Engines in 1, including Google, Yahoo!, Ask Jeeves and MSN Search. site: http://web.info.com Download Music Get the best info on whosale+land+loan from 14 Search Engines in 1, including Google, Yahoo!, Ask Jeeves and MSN Search. site: http://msxml.info.com Find Free Financial Tools & Services through our instant search site site: http://www.financeobserver.com whosale+land+loan Info Get the best info on whosale+land+loan from 14 Search Engines in 1, including Google, Yahoo!, Ask Jeeves and MSN Search. site: http://msxml.info.com Equity Line of Credit Companies. We have them ranked and ready to go. The leading Equity loan companies. Easy and quick. site: http://www.ezfinance.com whosale+land+loan Info Get the best info on whosale+land+loan from 14 Search Engines in 1, including Google, Yahoo!, Ask Jeeves and MSN Search. site: http://web.info.com 100% Online Debt Consolidation -No Phone Calls Req Can't pay your bills? Our non-profit agency offers 100% Online Debt Consolidation. No annoying phone calls. No obligation short form to get started. Retake control of your finances. site: http://www.careonecredit-affiliates.com whosale+land+loan: Find more information here. Get more information on whosale+land+loan right now! We pull from the some of the biggest search engines on the internet, so you don't have too! site: http://www.ezanga.com Personal Loans To $10,000 CitiFinancial. Loans for every need every budget. Reply in minutes. site: http://personalloansource.com/citifinancial.htm 4 Free Quotes for ANY type of Loan - Your Choice Get 4 free quotes from leading Mortgage Lenders Nationwide. Free quotes on Home Loans, Refinancing, Equity Loans, Home Improvement, Auto Loans & more. Choose the best lender for you. site: http://www.chooseadeal.com/loan.htm Refinance Now...Bad Credit OK! Fill out our easy on-line prequalification form and an Ameriquest loan officer will call you back within the next business day to discuss your various loan options. US Residents Please. site: http://www.qksrv.net/click-1269475-9272519 1-800-CUT BILLS® DebtConsolidation.Com No Homeownership required. No credit checks. Monthly payments combined and lowered. Non-Profit. Debt Consolidation Express® Debt Reduction Express® We Make Debt a Thing of the Past® site: http://www.DebtConsolidation.com Mortgage Loan, Refinancing, Debt, Credit Mortgage loans, rates, bad credit, refinance, debt consolidation. Plus all the links you need no matter what your financial situation. site: http://www.homemortgageloanreview.com Get Fast Lender Approvals 4-5 approved regardless of credit. Refinance to 125% of your homes value. No money down purchase options, first time buyers ok. Rental & Mobile home programs. site: http://mortgage-loan.thelenderdirectory.com whosale+land+loan info " Info.com is like a search of search engines. "- Chicago Tribune. " I?ve embraced Info.com. It's an aggregators aggregator " - PC Magazine. Click link find results for whosale+land+loan. site: http://web.info.com whosale+land+loan Get more information on whosale+land+loan at one of the best sites on the Internet. site: http://ws1.2020search.com Find "whosale+land+loan" at AllYourSearch.com We bring you results from the largest search engines on the web so you find the best whosale+land+loan information available. site: http://www.allyoursearch.com Low Rate Home Loans Find the best lender for your mortgage, refinancing, home equity, debt consolidation or other loan. site: http://www.arielis.com Not satisfied with your results? Yahoo © 2005 Best Offers at usedir.dynu.net All Rights Reserved Great Thanks for Microsoft Related Categories Buy Xanax Bars With Insurance Big Binocular Apartments Search Interracial Dating Service Florida Condominium North Carolina Income Tax Commercial Loan Lender Wholesale Dinnerware Florida Military School Graduate Degrees Online Ireland Car Hire Gaming Software Affiliate Tracking Software Indiana Vacation Rental External Usb Hard Drive Fax Broadcast Leeds Hotel Alchimie Perfume Car Rental Miami Florida Mexico Pain Relief Cheap Home Security Product Pentium 4 Motherboard Desert Landscaping Buy Vicodin Online Isp Overnight Titleist Golf Bulk Email Marketing Service Letters To Mortgage Companies Acne Medicine Jeep Wrangler Top Blake School Travel To England No Deposit Signup Bonus Bingo Sites Cheap Flower Delivery Walkie Talkie Cheap Contact Lense La Jolla California Real Estate Modern Office Furniture Garage Door Inverter Power Wooden Bar Stool Shoe Stores Apartment In Houston Free Rook Card Game St Osmunds School Dorchester La Jolla California Real Estate Personal Harrassment On Job Ciba Vision Contact Lense Brick Siding Pot Racks Kitchen Florists In New Jersey Paul Mitchelle School Computer Corner Desk Birthday Gifts Idea Yellow Dock Florida Law Firm Wyoming Health Insurance Brunswick Georgia Real Estate Use Bonus Code Only No Deposit Casinos 51629a Nags Head Nc Vacation Rental Advantix Camera Under The Counter Coffee Maker Download Napster Clairol Hair Care Student Loan Hu Test Card Poker Chip Set Hydrocodone Cod Delivery Top Flite Golf Diabetes Food Hotels Nyc Phd Edison Security System Swing Trading Stock Mayfair House Hotel Sterling Silver Charm Bracelet Mesa Attorney Rolex Watch Dealers Usa Wholesale Patio Furniture Ford Taurus Wagon

Selling Home

Real Estate Agents Boston Homes For Sale Selling Home The Home Selling Process There is more to selling a home than just picking a price and putting an ad in the paper. At Rooney Real Estate our brokers have been involved in well over a thousand sales transactions, and believe us when we say that each sale is different. Below, we've listed five steps that we will take for you when selling your home. If you have any questions or would like further information about our real estate services please do not hesitate to contact any one of our real estate agents at anytime. Step 1: Pricing Your Home When you decide to sell your home, a Comparative Market Analysis (CMA) is necessary to identify an appropriate suggested asking price. This process entails a licensed broker from Rooney Real Estate visiting your home to tour your property, then comparing it to recent comparable sales and on-the-market properties in the area. We do extensive research to ensure that your home is correctly priced, to maximize the return on your investment in the shortest amount of time possible. Step 2: Listing Process When you feel you’ve reached a satisfactory asking price for your home based on a discussion of the information presented to you in the CMA, the next step involves signing a listing contract with Rooney Real Estate. The listing contract outlines all of the terms and conditions surrounding the listing of your home with Rooney, including the length of the listing period, the commission rate, the services to be provided by Rooney Real Estate, and a marketing strategy. When all of the terms and conditions are agreed upon by you and Rooney Real Estate, the listing contract is then signed by both parties and becomes a legally binding document until the date of expiration. Step 3: Marketing Process When you list your home with Rooney Real Estate we employ a number of different techniques to ensure that your home receives maximum exposure. Those techniques include: A customized web page on our new state-of-the-art web site Immediate listing on MLS (Multiple Listing Service) and LINK (Listing Information Network) A customized informational brochure for your property Alerts to more than 600 home seekers in our client database Weekly advertising in the Boston Globe, Boston Homes, Boston Herald, and SouthBostonOnline Television advertising (spring 2004) Private showings with clients and cooperating agents Weekly open houses Open houses for cooperating agents For Sale signage on your property Step 4: Sales Process • Offer to Purchase At Rooney, we require that all formal offers be done in writing accompanied by a $1,000 deposit check, which is placed in an interest bearing escrow account. The offer is considered "under agreement" when the buyer and seller reach an agreed upon sale price, and both parties have signed the offer to purchase. • Home Inspection and Smoke Inspection Most Offer-to-Purchase agreements are contingent upon the results of a home inspection, to be performed by a licensed Massachusetts residential home inspector. Under Massachusetts law, all properties must pass a smoke detector inspection test, to be performed by the Boston Fire Department prior to closing. • Buyer Financing and Bank Appraisal All prospective buyers must show written proof of "pre-approval" or "pre-qualification" from a certified home lending institution prior to arranging a home inspection. The allocation of funds must occur at least ten days prior to a closing date. All mortgage lenders and banks require that an appraisal of value be done on the subject property prior to the allocation of funds. • Purchase and Sale Agreement (P&S) The Purchase and Sale agreement is a binding legal document that spells out the exact conditions for the purchase and sale of a property. These conditions include a purchase price, a schedule of payments, the broker’s fee, exclusions, and a closing date, among other important details. Typically a 5% deposit towards the purchase price is also collected by Rooney Real Estate at this point and put into an interest bearing escrow account. Step 5: Closing • Transfer of Funds The lending institution is represented at closing by a conveyance attorney, whose job it is to confirm a clear title and to convey funds to those persons and/or creditors who are owed money. • Recording of Deed The property transfer is complete when the signed property deed is recorded at the Suffolk County Registry of Deeds. This usually occurs within 24 hours of the closing. Rooney Real Estate • South Boston 617-269-1000 • Dorchester 617-288-9700 Boston Homes | Boston Condos | Boston Real Estate Agents | Boston MLS Listings Contact Rooney Real Estate | Home Selling | Home Buying | Real Estate Services Land for Sale Boston | Commercial Real Estate Listings | Sitemap | Apartment Rentals Real Estate Resources | Real Estate News | Mortgages | Boston Real Estate Map

Foreclosure Property Listings •

Tax Administration Durham County Government Advanced Search Terrorist Threat Level Home Services Departments News Jobs Public Records Where Can I Find...? Calendar Links Feedback Durham Neighborhood College "Enlightening and empowering citizens to build a better Durham" UPDATED: December 15, 2005 > Tax Administration : Foreclosure Auction New Office Hours to 8:30AM - 5:00PM effective February 2, 2004 Durham County Tax Office to accept electronic check payments Department Home General Information • About the Tax Administrator • About the Tax Office • Frequently Asked Questions • Tax Valuation Appeal Process • Tax Rates Public Information • Record Searches • On-line Business Listing System • On-line Tax Payments • Tax Foreclosure Property Listings • GIS Maps • Property Tax Forms and Publications • Impact Fee Information Information For... • Owners of Real Estate • Business Personal Property Owner • Business Privilege License/ Beer/Wine License • Motor Vehicle & Personal Property Taxation • Revaluation 2008 • Revaluación 2008 Property Tax Foreclosure Auction The tax information provided here is for informational purposes only, does not constitute any certification of taxes and should not be relied upon for actual payment or collection of taxes. The information, pictures, maps, or any other data contained on this website contains no warranties or guarantees. Anyone interested in participating in the bidding process should conduct his or her own research for each individual property. The Durham County Tax Collector, at the direction of the Durham County Commissioners and the Durham City Council, is aggressively pursuing the collection of delinquent real and personal property taxes. One of the collection tools used by the Tax Collector is the employment of private attorneys to commence formal foreclosure proceedings under North Carolina General Statutes 105-374 against real property on which there are delinquent unpaid property taxes. IMPORTANT INFORMATION Frequently Asked Questions (FAQ) about the tax foreclosure process in Durham and in North Carolina AuctionContent PropertyTax Foreclosure Sale Date: December 13, 2005 Location: Durham County Judicial Bldg.(lobby area) Time: 12:00 noon [All Parcel Listings for Auctions are in PDF Format] Parcel Listing for Auction Last Updated Parcel113326 for December 13, 2005 Sale (Sold for $10,500.00) December 13, 2005 Parcel132661 for December 13, 2005 Sale (Redeemed) December 13, 2005 Parcel161494 for December 13, 2005 Sale (Redeemed) December 8, 2005 Parcel114945 for December 13, 2005 Sale (Sold for $5,725.00) December 13, 2005 All Durham County foreclosure sales are made subject to all outstanding City and County taxes and all local improvement assessments against the properties offered for sale that are not included in the judgment of each entitled cause herewith. A deposit of ten percent (10%) of the successful bid will be required the day of the sale. Minimum bid sheets and general foreclosure sale information is located at the Customer Service Counter. Adobe's free PDF Reader is required to view documents in PDF format. DOWNLOAD ADOBE PDF READER HERE! The tax information provided here is for informational purposes only, does not constitute any certification of taxes and should not be relied upon for actual payment or collection of taxes. The information, pictures, maps, or any other data contained on this website contains no warranties or guarantees. Anyone interested in participating in the bidding process should conduct his or her own research for each individual property. top of page Last updated: September 9, 2004 © 2005, Durham County Government, North Carolina. All rights reserved. 200 E Main Street, Durham, NC 27701 webmaster@durhamcountync.gov Website Disclaimer & Policies

Land loans , acquisition

loans: commercial mortgages land loans commercial financing Domestic international project financing international financing, international loans, international project financing . . . . . . . . . . 1 commercial real estate, asset business loans, commercial real estate finance, lender, loan services, equipment financing, equipment leasing, commercial equipment loans, equipment lending, loans for equipment, domestic and international equipment financing, equipment sale leaseback, business loans, working capital, buy back, refinance, hard cash money, business and finance, commercial lender, financing, equipment sale leaseback, financial services, commercial real estate finance, bridge, resale, commercial property loans, finance, equipment sale leaseback, small business financing, equipment lease, leasing, commercial mortgage, accounts receivable factoring, business, commercial, signature, unsecured personal business lines of credit, 144 restricted and free trading stock loans, stock block purchases, equipment sale, ease-back, funding, equity, lender, medical healthcare doctor financing, purchase order, advance commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, richard milford, mortgagecapfinancial Mortgage Cap Financial provides commercial real estate financing to real estate investors and developers in need of construction, interim, or long term funding on commercial real estate. 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 Mortgage Cap Financial PHONE: 212-631-4272 FAX: 212-208-3069 Please bookmark this site for future reference. email us Loan Types 1 Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format International Financing / International Project Loans: Loan amounts: 20,000,000 and above. Geographic: International with emphasis on projects in North, Central and South America, Europe and Asia. Types of projects: All types of large residential and commercial real estate developments, mergers and acquisitions financing for successful companies seeking to expand or buy out other companies, energy projects such as power plants, ethanol plants, oil and gas refineries, large infrastructure projects such as roads, bridges, railroads, cement plants, hotels, and casinos. Types of financing: Loan terms and conditions would be dependent upon the perceived risk of the project and the strength of the principals; however the rates and terms are very competitive. Please e-mail a summary of the International Project Loan request. LAND ACQUISITION AND DEVELOPMENT FINANCING CONSTRUCTION AND DEVELOPMENT FINANCING Loan amounts: 1,000,000 and above. Very large loan requests welcome. Types of properties: Land , construction and development of multi-family , hotels, motels , casinos, shopping centers, office buildings, industrial complexes, mixed use properties, nearly all general and special purpose properties will be considered. Rates and terms are reviewed with the principals and /or broker after submission of loan submission form and executive summary of the project has been received. Geographic areas: Throughout the United States with loan amounts 1,000,000 and above. International loans 20,000,000 and above. Projects in Mexico can be reviewed in loan amounts of 1,000,000 and above. Types of loans available: Land loans , acquisition and development financing, bridge loans, fast equity loans, and long term financing of 5 years and longer. Small, medium and large size developers are invited to submit loan requests. Types of land projects that we have reviewed recently are residential subdivisions, land lots, commercial development of land lots and subdivisions of mixed use properties. Interest rates are reflected by the perceived risk of the project and the financial strength of the principals and the willingness of the principals to guarantee the loan requests. Also the amount of time the principals have to act upon the loan request, very fast loans can be provided but the cost of capital will be higher because funds are derived from private funds. For projects that have a 30 to 60 day window to close interest rates can be lower because a greater amount of time is available for due diligence and greater amount of documentation can be provided and supported. We are able to assist developers in virtually all phases of their development whether it be a commercial or residential development, and sometimes there may be more than one solution to their financing request and they will be presented after review of their construction and development loan request . Special purpose property types such as amusement parks, casinos, power plants, and owner occupied business properties such as offices, gas stations, truck stops, and other special purpose properties can be considered. We understand the needs of the developer, and whether you need a fast loan to take advantage of a special acquisition opportunity or need a complex financial structure to build out your next project we are ready to consider your construction and development financing request. Please submit an executive summary of your construction and development loan request to Mortgage Cap Financial by E-Mail . Brokers and principals invited to acquire about all of our financing programs, information and checklists about the requirements of the various financing programs can be obtained by reviewing our entire web site. If there are any questions, please contact us . Domestic and International Financing Program: Loan amounts: 20,000,000 and above, all size projects that are 20,000,000 and above can be considered. Geographic: USA and Internationally based projects can be reviewed. Types of projects: Real estate, energy, and all type of infrastructure projects. Types of projects can include residential and commercial real estate development, hospitality and medical related facilities, power plants, oil and gas mining projects, infrastructure projects such as tunnels and railroads and other large scale projects that are needed throughout the world. Terms and conditions: That is dependent upon the specific project and the perceived risk of the project. Please e-mail us a summary of your project. Land / Construction Loans Quality Properties and Borrowers Loan Amounts: $3,000,000 - $20,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: land acquisition, refinance for infrastructure and construction Loan to Value (LTV): Purchase: to 90% of cost Refi: 60- 75% of as is value Construction: to 100% of construction cost Recourse: Yes. Non-recourse will be considered Advance Fees: NONE in most cases, until Term Sheet/LOI is issued. Then 3 rd party costs and out of pocket expenses. Loan Fees: 5-7 points Interest Rates: 11-14% Term Sheet / LOI: 5-7 days Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter Preview Checklist: 1. Executive Summary: 1-2 page Deal Summary. Include property history and any challenges that exist. Please be sure to include exact property location and description, detailed use of proceeds and Exit Strategy (how and when loan will be paid. 2. Purchase price or year of purchase and purchase price, if refinance 3. Executive Summary from latest appraisal 4. Resume and Personal Financial Statements on all Borrowers 5. Most recent business and personal tax returns on Borrowers 6. Current Credit Bureaus with FICO scores on Borrowers 7. Cash equity investment by Borrowers AND detailed use of cash to date. 8. Detailed use of funds and construction budget, if applicable 9. Status of required entitlements and approvals 10. project timetable for remaining entitlements, infrastructure, construction to Lease-up or full sell out 11. Pro-forma financial projections and operating statements. Digital aerial photos of property, if available LAND LOANS: Loan Amounts: 1,000,000 to 100,000,000 Geographic areas: USA, Canada, and Mexico Acquisition land loans up to 80% of purchase price and refinancing up to 70% of the value of land. SMALL LOAN PROGRAM FOR COMMERCIAL AND MULTI-FAMILY PROPERTIES: Loan Amounts: 500,000 to 3,000,000 Property Types: Apartments, retail, industrial and office buildings, hotels and motels. Mixed use properties such as apartments over commercial use property are acceptable. JUMBO COMMERCIAL FINANCING: Loan Amounts: 5,000,000 to 750,000,000 Terms: 5 TO 25 YEARS Property Types: MULTI-FAMILY, COMMERCIAL, DEVELOPMENTS, HOTELS, RESORTS, CASINOS, RESIDENTIAL DEVELOPMENTS Loan To Value: UP TO 90% Geographic: USA, CANADA, plus NORTH, CENTRAL, AND SOUTH AMERICA RATES ARE BASED ON RISK INHERENT WITH PROJECT. Types of Loans: CONSTRUCTION AND LONG TERM LOANS SECURED BY LAND AND IMPROVEMENTS BELOW PRIME RATE - FIXED RATE FINANCING: Owner User and Investment Properties Available in all 50 states . LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) DOCUMENTATION: Full Doc only min DCR of 1.2 CREDIT SCORES: 650 FICO PROPERTY TYPES: Owner User or Investment Properties: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered - case-by-case. NOTE: Flagged hotel/motel and restaurants ARE eligible for this program. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties INTEREST RATES 2 year fixed rate: Prime less 1.25% AS LOW AS: 5.75% Current APR NOTE: At end of 2 yr term, Borrower will have option of quarterly adjustable at P +1% or 5 yr fixed at then current rates. PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase rate by .625%) Other programs available with 5,7,10 and 25 yr* fixed rates. Call 212-631-4272 for details and quotes. * 25 yr fixed rate available only on Owner User Properties. COMMERCIAL CONSTRUCTION FINANCING: LOAN TO COST: UP TO 90% OF THE PROJECT CAN BE FINANCED, IN CERTAIN CASES UP TO 100% OF THE PROJECT CAN BE FINANCED. LOANS AVAILABLE NATIONWIDE USA. ALL 50 STATES CONSIDERED. MORTGAGE FINANCING: FIRST AND SECOND MORTGAGES AVAILABLE THROUGHOUT THE UNITED STATES. CONSTRUCTION LOANS ALSO AVAILABLE. LOAN AMOUNTS OF 500,000 TO 200,000,000. PROJECT TYPES CAN INCLUDE APARTMENTS, SHOPPING CENTERS, OFFICE BUILDINGS, HOTELS, MOTELS, INDUSTRIAL PROPERTIES. WE FINANCE THE HOTEL AND MOTEL PROJECTS: WE CAN FINANCE THE TO BE BUILT HOTEL OR MOTEL FLAGGED OR UNFLAGGED. WE ARE READY TO PROVIDE THE CONSTRUCTION OR BRIDGE LOAN SO YOU CAN GET THE PROJECT OFF THE GROUND OR TO REHABILITATE. CONTACT: RICHARD MILFORD - PHONE: 212-631-4272 FAX: 212-208-3069 OR JUST PRESS THE E-MAIL ENVELOPE AND LETS START TALKING ON HOW WE CAN FINANCE YOUR PROJECT. INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered on case-by-case basis. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 5 year rate: 5 yr FHLB + 2.65% AS LOW AS: 10 year rate: 7 yr FHLB + 2.90% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) ATTENTION: DEVELOPERS 100% FINANCING NOW AVAILABLE Pre-Leasing : Not required Property Type(s): All property types are eligible under this program including apartments, condos, hotels, motels, office buildings, resorts, golf courses, and a wide variety of commercial and residential developments . Geography: Nationwide USA, Canada, Mexico, and other countries considered. Minimum Deal Size (all-in cost): $5,000,000 Maximum deal size (all-in cost): $750,000,000 Development Type: All types of residential and commercial developments are considered under this financing program including hotel resort projects and speculative residential and commercial projects and rehab deals. Timing: Maximum Five (5) Year Hold Period. We are seeking developers and investors who have a successful track history and can demonstrate a successful history in residential and commercial development as well as real estate investing. INVESTMENT PROPERTIES MORTGAGE LOAN PROGRAM - PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format Property Types: - Office / Medical / Apartment properties / Industrial buildings / Retail centers / Warehouse properties / Mobile home parks / Self Storage Loan Amounts: $1,000,000 - $20,000,000 Terms: 10 to 25 year term mortgages dependent on property type. Amortization: Up to 30 years. Property types: Apartments and commercial income producing properties. Loan Types: Fixed and variable rate loans for property acquisition, refinance, and permanent financing. Loan to Value (LTV): Up to 80% LTV: $1,000,000 to $3,000,000. Up to 85% LTV on apartments, office properties or anchored retail, $3,000,000 and above up to 20,000,000. Recourse: NON RECOURSE Origination Fees: PAR RATES NO POINTS FOR THIS SPECIFIC LOAN PROGRAM ONLY. Rates: 10 yr fixed rate w/ 30 year am: - Apartments: as low as 5.2% (10yr T + 100 bp 145 bp) - Commercial: as low as 5.6% (10yr T + 140 bp 170 bp) Pre-qualification: 72 hrs Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: For the investment properties loan program only: - No seller carry or secondary financing permitted for this specific loan program - No restaurant, hotel/motel, auto related or land loans for this specific loan program - No construction loans under this specific loan program PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format MULTI FAMILY INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Multi family properties in MSAs with populations greater than 50,000 TERM and AM: 25 or 30 year fully amortizing, with no calls or balloon LOAN TO VALUE: Max 1 st lien: 75% LTV. Secondary financing not to exceed 85% CLTV CASH OUT REFI: 70% max LTV with 85% minimum occupancy FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 3 year rate: 3 yr FHLB + 2.65% AS LOW AS: 5 year rate: 5 yr FHLB + 2.65% 7 year rate: 7 yr FHLB + 2.65% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OCCUPANCY: 80% minimum at time of origination and projected FLAGGED HOTEL / MOTEL PROPERTIES Quality Properties and Borrowers Loan Amounts: $2,000,000 - $10,000,000 Term / Am: 10 year term with 25 year amortization Loan Types: 10 year fixed rate loans for property acquisition and refinance Loan to Value (LTV): 70 precent maximum for purchase or refinance (no cash out). 65% maximum if cash out refinance unless being used to enhance value of property. Recourse: Full recourse for this particular program, non recourse loans may be available at different rate, terms and conditions and may have yield maintenance prepayment penalties, this particular program have different prepayment penalty scenarios are dependent upon the specific project. Origination Fees: NONE Loan Fees: 2 to 4 points Rates: 10 yr fixed rate w/ 25 year am: 6.5% to 7.5% Pre-qualification: Completion of our loan submission form, once reviewed and there is interest the documentation below will be requested. Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format Commitment Letter: Within 7-10 days of receipt of complete loan package. Funding: 30 to 45 days from Commitment Letter. NOTE: - Good credit and cash flow. DCR: 1.3 minimum. - Established properties only. No turnarounds, startups or construction. - Value based on lower of purchase price or appraisal, if purchase. - Borrower must be experienced or hire recognized hotel management company. Please note that we have other hotel/motel financing programs that will review turnarounds, both franchised and non franchised hotels and motels, rates and terms are subject to change and underwriting. NEEDED TO PRE-QUALIFY: - L ast 3 years property tax returns. - Y ear-to-date financial statements. - C urrent credit bureau with FICO on Borrowers. - Executive Summary from latest appraisal. - Current Personal Financial Statements for Borrowers. - Latest personal tax returns from Borrowers. - Digital photos of property, or web site with photos. - Last 3 years occupancy annual reports. - Year to date occupancy monthly reports. - Amount of loan request. - Detailed use of funds. Commercial Bridge and Construction Loan Program $3,000,000 to $25,000,000 Purpose: Commercial construction loans and or commercial bridge financing for the ground-up development of new commercial properties, or the renovation and repositioning of existing properties, for both pre-leased and speculative development. Loan structure, pricing, advance to cost ratios and recourse requirements are flexible and will be tailored to meet the needs, risk profiles, and requirements of individual transactions. Acceptable Property Types: Apartments Condominiums Office Retail Industrial Mixed-Use Hotels Loan Term: Typically 12 to 24 month interest only term, with extension options when appropriate. Loan to Value: 75% on most property types; 65% on special purpose and hotels Maximum Loan to Cost: 75% to 85% (up to 100% on pre-leased projects) Loan Structuring: Loans typically structured with holdbacks for funding of all renovation and/or construction costs, tenant improvements, leasing commissions, and interest carry until stabilization, with monthly draws as costs are incurred. Earnout Provisions: Earn out of up to 75% of the stabilized value funded upon achieving specified occupancy and NOI hurdles. Loan Pricing: 3.00% to 4.00% over six month LIBOR (interest only), plus Loan Fees of 2% to 4%. Liability: Loans are typically non-recourse, except for standard carve-outs. Speculative development projects will generally require completion and/or debt service guarantees. Closing Time Frame: Approximately 45 to 60 days. Quick closes available for time sensitive transactions Permanent Loan: Permanent takeout option offered with all construction / bridge loans. An Exit Fee of 1% is charged if the takeout is not elected. Nationwide Bridge Loan Financing $2,000,000 to $75,000,000 Program Guide Project Types: Interim financing used to complete a time sensitive transaction, to reposition or renovate existing properties, or to overcome temporary credit or property challenges that make the transaction unsuitable for traditional lenders. Virtually any income producing property, including retail, office, medical, apartments, industrial/flex or special purpose properties. The primary considerations for bridge loan financing are the LTV and a compelling exit (repayment) strategy. Loan Amounts: $2,000,000 - $75,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: Property conversion or renovation or other need Loan to Value: 50% to 90% depending on project specifics and deal strength Recourse: Typically, Yes. Interest Rate: As low as Prime + 1.5%, depending on transaction strength Loan Fees: Dependent on deal strength Term Sheet/LOI: 3-5 days from receipt of all requested information Funding: 10 to 45 days from acceptance of LOI OWNER USER / SINGLE TENANT Commercial Property Financing Available in all 50 states. We offer very aggressive rates to for Owner User Commercial properties where the Borrowers business is the primary tenant or there is a single credit tenant Lessee. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSES: Permanent financing for purchase, expansion or refinance with cash out. PROPERTY TYPES: Office, retail, wholesale, light industrial and Special Purpose Properties (lower LTV); restaurants, flagged hotels, auto & truck dealers, RV Parks, self storage, bowling alleys, funeral homes, etc. TERM and AM: 25 fully amortizing, no calls or balloons LOAN TO VALUE: Purchases: max 85% LTV on multi use properties, 65% max LTV on Special Use Properties Cash Out Refi: max 75% LTV, lower on Special Use Properties FIXED RATE TERMS: Fixed rate loans available for 5, 10 or 25 years INTEREST RATES 5 yr fixed: 5 yr US T SWAP + 2.50 AS LOW AS: 10 yr fixed: 10 yr US T SWAP + 2.55 25 yr fixed: 10 yr US T SWAP + 2.65 PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OWNER USER PROPERTIES Conventional Loan Programs (Not SBA) Property Types ; - Office / medical - Restaurants - Industrial buildings - Auto related - Retail properties - gas station/C-store - Warehouse properties - other special purpose Loan Amounts: $1,000,000 - $30,000,000 Terms/Ams: 15/30, 20/20 and 25/25 (>$2 mil) Loan Types: ARM and Fixed rate loans for property acquisition, refinance and construction Loan to Value (LTV): * Multi-use properties: 85% LTV. To 100% LTV with Seller financing or other real estate equity as additional collateral. ** Special Purpose Properties: 65% - 75% LTV. To 85% LTV with Seller financing or other real estate equity as additional collateral. Recourse: Yes Loan Fees: 0 1 point, dependent of deal strength Interest Rates: Qtrly Adj: Prime to P + 1.5% 5 yr fixed: P + 1.0% 2.5% 10 yr fixed: P + 1.4% 2.8% 20 yr fixed: P + 1.75% - 3.25% 25 yr fixed: P + 1.85% - 3.45% Note: rates are subject to underwriting approval and may change without notice. Pre-Qualification: 72 hrs Commitment Letter: within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: - Seller carry may be permitted. - Construction loans: all interest and principal accrues during construction - Prepay Policy: 5/5/4/3/3 - Owner Occupancy: 25% minimum. Must have cash flow without rental income. Nationwide Commercial Real Estate Development Land, Construction and Joint Venture Financing Program Guide Borrowers: Experienced investors and commercial developers with demonstrated track record comparable to current project. Project Types: Commercial, retail, office, industrial/flex, residential subdivision, planned communities, golf course communities, condominium and condo conversions. Rehab projects and Special Situation projects considered. Loan Amounts: $5,000,000 - $75,000,000 Terms: 12 to 36 months, or longer depending on project Amortization: Interest Only Use of Proceeds: Total project financing, debt or JV equity for land acquisition, refinance for infrastructure completion and vertical construction Loan to Cost: 50% to 100% depending on deal strength Interest Rates: As low as Prime + 1.5%, depending on deal strength Recourse: Typically, Yes. Non-recourse considered. Loan Fees: Dependent in deal strength Term Sheet/LOI: 3-5 days from receipt of all required information Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter. Faster as needed. Commercial Financing Matrix Property Types Ranches and Farms Gas Stations, Car Washes, Auto Related Hotel and Motels Industrial Unimproved Land Golf Courses, RV Parks, Marinas Hospitals, Clinics, Assisted Living Mixed Use Property Mobile Home Parks Apartment Buildings Office Buildings and Parks Industrial Parks Office Condominiums Owner Occupied Businesses Parking Lots Self Storage Single Tenant Buildings Sports Related Buildings and Complexes Prisons, Jails, and Juvenile Correction Centers | Condominium Conversion / Construction loans | Casinos and Convention Centers Loan Types Acquisition and Development Bond Bridge Loans Business Loans Construction Equity Second Mortgages Foreclosure Avoidance Forward Commitments Joint Ventures Mezzanine Non-Recourse Notes Purchased Remodel / Renovation SBA 504, 7A Loans Loan amounts: $1,000,000 to $350,000,000 International financing for all types of real estate, business and energy related projects. Financing for power plants, ethanol plants, wind mills, casinos. Financing for mergers and acquisitions of successful real estate and business organizations. International financing can be for business expansions, residential and commercial development projects in loan amounts of $20,000,000 and above. Financing for prisons, jails and juvenile correction centers are intended for private sector companies that have been awarded federal, state or local governmental contracts to perform these services. If there are any questions, please contact us . Click here for Commercial Loan Submission Form, please complete ande-mail or fax back to us at 212-208-3069 so we can review your project (in Word). or in Adobe Acrobat format Equipment Financing / Leasing Program - PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format Equipment Leasing Qualifications : Financing available for business purposes only. No part of any funds can be used for personal purposes, separate business banking account and company must be registered with city and state government. Customer minimum 2 years in business, start ups and businesses established less than 2 years can be considered but personal credit of guarantors will be more critical Bank account open for at least two years and handled in a satisfactory manner, again less than 2 years can be considered with compensating factors Credit previously established for at least one year with a satisfactory payment history in the form of a lease, loan or trade agreement. If no prior credit maximum lease amount may be restricted Up to $50 million available with approval of completed application. Application only types of leases up to 150,000 with exceptional credit otherwise financial statements, tax returns and completed application Mortgage Cap Financial specializes in the following transactions: All Types of Equipment Non-Rated Credits Various End-of-Lease Options Available Purchase Single Transactions and Portfolios Profitable Companies, Minimum 2 Years in Business, start up and companies that are not profitable must have compensating factors such as additional collateral and/or personal guarantors Domestic and International equipment financing Why Lease? It's simple: leasing can be more cost-effective than buying with cash, or with conventional loans -- especially if the new equipment can help increase sales or profits. And here's why: Leasing conserves your working capital. You can finance up to 100% of the equipment cost, with no money down. Leasing won't sap your business credit. In many cases, you can continue to use your existing lines of credit while leasing. Fixed payments. Your monthly payments remain the same, no matter what happens to conventional interest rates. Tax savings. Lease payments can be operating expenses that come out of pre-tax earnings. Eliminate obsolescence. With an outright purchase, you 'own' that equipment, even if it is already outdated by newer technology. A lease can be structured to terminate when the equipment becomes obsolete. Flexible Terms and Conditions. Leases can be adjusted to your needs. Options include seasonal payment skips, step-up or step-down payments, monthly, quarterly, or annual payments. Simple accounting. A lease payment is typically a line-item expense that doesn't increase your liabilities on your balance sheet. If you don't see your equipment on this list, we still should be able to lease it. Most equipment can be leased. Vendors of equipment and customers wanting to lease equipment, if you need a down payment at the time of your order we can work out special terms. PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format A AC's Aerial Lifts Air Cleaning System Air Compressor Air Conditioners Air Filter System Air Purification Alarm Alignment Machines Amusement Analytical Equipment Analyzer ATM Cash Dispenser Audio Video Audio Visual Automotive B Backhoe Bagging Machines Bakers Equipment Balers Beauty Equipment Beds, Bedding Beer Systems Beverage Dispenser Blast Cleaning Blowers Boilers Bowling Lockers Brake lathes Breathalyzer Machine Broadcasting Studio Equipment Buffer Bulk Storage Tanks Bulldozers C Cameras Car Wash Carpet Cleaner Carts Cash Register Chairs Chipper Cleaning Equipment Clothes Press Coffee Carts Coffee Maker Coin Changer Coin Laundry Equipment Color Matching System Color Mixer Computers Compressors Compactors Concrete Pump Concentrators Construction Machinery Containers Conveyers Coolers Cooling Cranes Cutting Tools D Data projector Deli Case Dental Equipment Diagnostic Equipment Digital Systems Dishwashers Dispatch Equipment Display Case Draft Box Dry Clean Press Dry Cleaning Dryer E Emergency Vehicles Engraving Equipment Excavators Espresso Machine F Fax Machines Filing Equipment Film processors Fixture Floor Machines Flower Coolers Food Preparation Food Service Equipment Forklifts Franchise Programs Frame Machine Freezer Frozen Cocktail Machine Fryer Furniture G Gas Pump Graphic Equipment H Heat Pump Heaters Heating Hospital Beds Hydraulic Submersible Pumps I Ice Cream Machine Ice Machine Ice Makers Imaging Systems Industrial Systems Inventory Control Systems Ironworkers Equipment J Janitorial Juke Box K Kiosks Kitchen Equipment L Laptops Laser Engraving Laser Systems Laundry Equipment Lawn Equipment Lifts Lighting Lock Systems Logging equipment M Machine Analyzer Mail Boxes Medical equipment Medical Imaging Merchandising Unites Microwaves Milling Machine Mobile Communications Mobile Phones N Navigational Equipment O Office Furniture Organs Oven Overhead Cranes Oxygen Concentrators P Packaging Systems Packer Bodies Pagers Paint Booths Paint Mixer Pallet Equipment Petroleum Gas Station Phone Systems Photography Equipment Piano Pizza Oven Plotter Pneumatic Tube Systems Point of Sales Portable Pumps Portable Trade Show Exhibits Prep Table Press Pressure Washer Printing Equipment Pump Systems Push Carts R Radios Range Recovery Equipment Recycling Equipment Refrigeration Register Rehabilitation Equipment Restaurant Equipment Retail Units Roll Offs Router Tool System S Salon equipment Sandwich Prep Table Satellite Dish Saws School Buses Screen Printing Equipment Security Systems Sewing Machines Signs Silk Screen Equipment Shrink Wrap & Packaging Skid steer Loaders Slicer Smart Dialers Smoker Snack Machine Snow Board Press Soda Machine Software Sound & Music Equipment Special Industrial Equipment Spray Systems Steam Cleaners Steel Pallets Store Fixtures Stove Sub Maker Surface doctor Equipment Surveillance Systems T Telephone Systems Television Systems Test Equipment Tire Equipment Tools Tractors Trailers Transportation Treatment Tables Trenching Machines Trucks Tub Grinders Two Way Radio Systems TV V Vacuum Valve Equipment Van Vehicle Monitor Equipment Vending Machines Video Security Voice Mail W Walk In Cooler Warehouse Rack Systems Washer/ Dryer Waste Equipment Waste Oil Heaters Water Conditioner Water Filter Water Softener Welder Woodworking Work Platforms Wrecker X X-ray Equipment Y Yogurt Machine Loan Types Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format PHONE: 212-631-4272 FAX: 212-208-3069 Loans provided are only for business and investment purposes. Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request. Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes. Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation. The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial. web site: http://www.mortgagecapfinancial.com Please bookmark this site for future reference. Legal Notice Last update 01/01/2006. Site created 11/27/98. Web Site designed and maintained by Able Al'sComputer Help . (c)1998-2006 Mortgage Cap Financial. Allrights reserved. capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture