Home Loans The Commonwealth

Commonwealth Bank Group - Personal - Home Loans - Home Seeker Loan This will adjust the viewing area of your Internet Explorer browser based on your screen resolution. Home Loans The Commonwealth Bank offers a complete range of loan options designed to meet different needs and goals. Apply online and pay $0 Establishment Fee. For a limited time only. Use our Home Loan Options at a Glance table to compare our products or read more information in our Home & Investment Home Loans brochure . You can also read about the home buying process here . The Complete Home Loan/ Investment Home Loan is a suite of loans with a full range of interest rate options, offset options, and other flexible features. 1 Year Guaranteed Rate Home Loan : ensures that your repayments will remain the same month to month for the first important year. 1-5 and 7, 10 and 15 Year Fixed Rate Home Loans : allows you to have the security of predictable loan repayments for an agreed period of time. Standard Variable Rate Home Loan : a full feature loan that allows you to benefit from market rates when they're lower. 6 or 12 Month Discounted Variable Rate Home Loan : low introductory rates that give you the benefits of lower repayments in the first 6 or 12 months or your property purchase. Economiser Home/ Investment Home Loan offers a low variable interest rate, with a range of flexible options. It caters for those who don't need all the features of the Complete/Investment Home Loan. Home Seeker Loan offers 'in principle' approval which is valid for 12 months. It allows you to search for a home knowing your finance is in place. Other finance options Viridian Line of Credit lets you free up the equity you have in your home for other purposes. It provides you with a revolving line of credit through a convenient single account that you can use daily. Viridian Addvantage is an 'all-in-one' portfolio style facility that allows you to include up to ten separate loan accounts under the one 'umbrella' limit, and provides the flexibility of designing and modifying your account structure to suit your changing needs. Family Equity Family Equity is a home buying solution unlike any other. It's a range of financing options that can help you secure a home loan, repay a home loan or a combination of both. The central idea is that both you and your family help secure and fund the loan and/or repayments, together. Equity Unlock is a flexible financing solution for seniors who are retired and aged 65 and over. It allows you to access the equity in your home without limiting your lifestyle. The Equity Unlock Loan for Seniors enables you to access the equity in your home for such things as home improvements, the purchase of a new car, payment of medical expenses, taking a holiday or simply to supplement your income. Wealth Package is a program that recognises that the more business you have with the Commonwealth Bank Group, the more benefits you should enjoy. This can include special savings on selected Commonwealth Bank home loans, as well as credit cards and insurance. Bridging Loans - help you with finance to buy your new property before you have sold your existing property. Low Documentation Home Loans - are a flexible financing solution for self-employed people who have an income and assets, but may not have the usual paperwork at the time of application. Deposit Guarantee - is a quick and easy alternative to a cash deposit that is payable when signing a contract to purchase residential property. A Deposit Guarantee represents the cash deposit until settlement. At settlement, the purchaser is required to pay the full purchase price including the deposit. Find the loan option that's right for you with our Home Loan Selector or you can view all the options at a glance .Furthermore, to make sure you select the home loan that meets your needs, you can view and print the terms and conditions on our full range of home loans ( Usual Terms and Conditions for Consumer Mortgage Lending (UTC) ) - download pdf (135KB). Note: These terms and conditions do not apply to HomePath loans and do not represent a formal offer of finance. The UTC is made available for your information only. You can also obtain a copy of the UTC by calling us on 13 2224 between 8am and 10pm, 365 days a year. The Your Home section of our site gives you information on what's involved in buying a home or an investment property, or financing renovations. Selling your home? Park your surplus funds from the sale of your property by depositing them in an AwardSaver account or any other Commonwealth Bank deposit account and you could qualify for one of our home loan discounts with our Park & Hold facility. Don't forget the insurance! Home Insurance with Loan Repayment Great benefits for Home/Investment Home Loan customers From 29 March 2004, existing and new home/investment home loan customers can elect to pay their CommInsure # Home and/or Contents premium through their loan repayment. This payment option is only available for customers paying their insurance premium monthly. Combining your insurance premium with your loan repayment will make life easier when calculating household expenses. # CommInsure is a registered business name of Commonwealth Insurance Limited ABN 96 067 524 216, a wholly owned, but non-guaranteed subsidiary of Commonwealth Bank of Australia. CommInsure can assist you with all your property and personal insurance needs. Get more information Apply online . Ask one of our home loan consultants to contact you: Contact Me . Request an appointment with a Mobile Banker . Call us on 13 2224 between 8am and 10pm, 365 days a year. Have a Home Loan Kit sent to you - just complete the request form . Please note: The above information is subject to change without notice. Applications for finance are subject to the Bank's (where applicable) credit approval criteria. Full terms and conditions will be included in the loan offer. Other fees and charges are payable. apply now Apply online Contact Me Meet with Mobile Banker Request Home Loan Kit Call 13 2224 8am to 10pm useful tools Home Loan Calculators Home Loan Selector Home & Contents Insurance Calculator Guide to Buying a Home Commonwealth Bank Property Value Guide rates and fees Home Loan rates Important Information about advice: This advice has been prepared without taking into account your objectives, financial situation and needs. Find out more about what this means for you on http://www.commbank.com.au/fsra/advice.asp Home Loan Options Complete Home Loan Economiser Home Loan Home Seeker Loan Viridian Line of Credit Viridian Addvantage Wealth Package Low Doc Home Loan Home & Investment Home Loans Quick Links Home Loans at a Glance Finding a Home Financing Your Home Servicing Your Home Loan CommInsure You are here: Home > Personal > Home Loans -- Security & Privacy | Site Information |  Commonwealth Bank of Australia 2005 ABN 48 123 123 124 home | site index | help | glossary | locate us | contact us Financial Needs: day to day banking > youth and students > your home > building wealth > your retirement > Products: transaction and savings > credit cards > personal lending > home loans > investment and super > insurance > Online Services: NetBank > CommSec > personal centre business centre institutional banking shareholder centre about us All Day to Day Banking - Easy Ways to Bank - Minimising Fees - Budgeting and Saving - Going on Holidays - Moving to Australia All Youth and students - Banking at School - Under 18s - Young Adults 18 to 20 years old - Tertiary Students - Overseas Students All Your Home - Finding a Home - Financing Your Home - Financing Your Renovations - Investing in Property All Building Wealth - Achieving Financial Goals - Investment Basics - Why invest in Managed Funds? - Why invest in Super? - Borrowing to Invest All Your Retirement - Retirement Basics - Sobering Retirement Facts - Retirement Income Streams - Social Security & Taxation All Transaction and Savings Transaction Accounts - Streamline Account - Woolworths Ezy Action Account - Pensioner Security Account Savings Accounts - NetBank Saver - AwardSaver Account - Youthsaver Account - Cash Investment Account - Education Savings Plan - Commonwealth Direct Investment Account - Commonwealth Cash Management Trust - Term Deposits - Mortgage Interest Saver Account All Credit Cards - Features and Benefits of Our Credit Cards - Important information about your credit card - Standard Card With Interest Free Period - Standard Card With No Interest Free Period - Gold Card - Platinum Credit Card - Golf Card - Woolworths Ezy MasterCard - Commonwealth Awards - Commonwealth Awards Gold - Commonwealth Awards Platinum All Personal Lending Personal Loans - Fixed Rate - Variable Rate - Fixed Rate Secured Streamline Overdraft Student Loans All Home Loans - The Complete Home Loan - Economiser Home Loan - Home Seeker Loan - Servicing your Home Loan - Viridian Line of Credit - Viridian Addvantage - Family Equity - Investment Home Loans - Bridging Loans - Wealth Packages - Equity Unlock Loan for Seniors - Deposit Guarantee All Investment and Super - Short-Term Investment Options - Managed Funds - Superannuation - Retirement Income Streams - Need Advice - Education Savings Plan - Colonial Service Information - Commonwealth Financial Services Information All Insurance - Life Insurance - Income Protection Insurance - Home and Contents Cover - Investment Home Insurance - Motor Insurance Information Test Drive Register Now Log On Information Log On NetBank CommSec Managed Funds Balances Super Balances Unit Prices Commonwealth Research Commodities Centre

Home For Sale

Find Your Home Value, House Values and Prices on Yahoo! Real Estate Find Your Home Value, House Values and Prices Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Real Estate > Resources & Tools > Home Values and Prices Features Classifieds • Sell Your Home • Rent Your Apartment Home Search • Find Homes for Sale • Find Properties for Rent REALTORS • Find & Compare REALTORS Mortgages & Financing • Find a Lender • Today's Mortgage Rates • Loan Calculators • Credit Reports • Refinance Loans Resources • Moving Services • Foreclosure Center Neighborhood Research • What's My Home Worth? • School Profiles • Neighborhood Profiles Specialty Property • Foreclosures • New Homes • Commercial Real Estate • List Commercial Real Estate Home Improvement & Services • Home Services • Home Improvement Library • House Facts Get Home Values and Prices Sponsored by Get Home Values and Prices Access millions of public real estate records instantly! This comparable sales data helps you analyze the value of your home or other homes in seconds. Results include price, square footage, bedrooms, and year built (where available). You can also get a custom home valuation from a top-performing local REALTOR! Street Address: City & State or Zip: Sponsored Links (Become a Sponsor) Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages

Real Estate Broker

BuyMyself - Canale, IRED Attitude & News Home Directories Int'l Realty US Realty BuyMyself Choosing A Real Estate Agent By Stephen M. Canale, Ann Arbor, Michigan, USA There's a common saying in the real estate industry regarding the vast number of agents in the business: "If you don't have any friends who are agents, then you probably don't have any friends at all." With so many agent out there, how can you make an intelligent decision? Do you choose a friend, neighbor or coworker? Should you work with an agent at a large firm, a small firm, a franchise or an independent? While there's an exception to every rule, and every marketplace has its own nuances, here are some solid rules to apply when you want the best representation to protect your interests. Demand Experience The real estate profession is plagued by high turnover. This creates a workforce that is made up of many newcomers. While there are brand new agents with good intentions, why trust one of the largest investment you'll ever buy or sell to someone without experience? Always look for an agent with at least two years of experience. Anyone still in the business after two years has probably learned at least the fundamentals of real estate. Look for Commitment Another problem we have in the industry is a large number of part time and recreational salespeople. These folks have either retired from some other career, work in real estate seasonally or are earning a second income for the family and honestly don't need to work full time. No matter how long they have been in real estate, their lack of full-time commitment makes it impossible for them to keep up with the vast changes in law, marketing and business practices that are occurring in the profession today. If an agent isn't working at least thirty hours a week, fifty weeks a year, look for someone else. Consider Education In the majority of states, the requirements for real estate licensing are substantially less than those for cutting hair. In Michigan, for example, all that is required is a forty-hour class and a multiple choice test. You cannot rely on licensing to indicate competence. And, unfortunately, many agent's real estate education ends with their pre-license education. While there are numerous advanced real estate education courses available, the only technical and competence based program available nationwide is the Graduate, REALTORS® Institute (GRI) series, which is administered under the direction of the National Association of REALTORS®. A REALTOR® who completes the fifteen eight-hour modules, and passes examinations, may then use the designation of GRI. While only 15%-20% of agents have earned this accreditation, it should not be too difficult finding a GRI in your marketplace as they will commonly print the designation behind their name in advertising as well as on letterhead and business cards. Conduct Interviews Before you hire an agent to help you buy or sell a home, you should interview at least three agents in person. In order to do this, first get recommendations from friends, family and neighbors. Then look on the web, in homes magazines and the local newspaper to see what kind of marketing the various companies are doing in your area and call a few that impress you. Then make brief fact-finding calls to determine which of the agents on your list are full time, experienced and either hold the GRI designation or are at least working aggressively toward it. You will probably need to call ten to fifteen agents in order to find three that are worth interviewing. The interview itself need not be a formal one. It is simply an opportunity for you to meet the candidate and explain your needs; and to determine whether you would be comfortable working with them. Ask whatever questions you like, or simply explain your goals and listen carefully to what they propose to do for you in meeting your needs. The decision If you follow the suggestions above, you will find that there are excellent agents working for firms both large and small; both franchised and independent. Thus, the real decision must be made based on the competency of the individual agent you will be working with on a day-to-day basis. Stephen M. Canale is President, Broker/Instructor of Acclaim Residential Marketing Ann Arbor, Michigan | IRED Home | Search IRED | © 1995-2005 IRED.Com, Inc All Rights Reserved

Real Estate Listing

Apartments, Houses, and Real Estate listings in Los Angeles, San Francisco, San Diego, New York, New Jersey, Boston, Seattle, Philadelphia, Miami, Detroit, Chicago, Las Vegas, Houston, Dallas, D.C., Baltimore, Atlanta, San Antonio, Austin, and Westside We help you Rent an apartment anywhere in the US - Handshake Network - Looking to Rent Faster? Call Toll Free 1-888-575-3179 England Equal Housing Opportunity Canada Property Managers & Landlords LIST FOR FREE Featured Cities Los Angeles | New York | Seattle | Miami | Denver | Boston | Washington DC | San Francisco | San Diego | Baltimore Detroit | Atlanta | Minneapolis | Houston | Dallas | Austin | Jersey City | Las Vegas | Chicago | Philadelphia Search in : select state Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware 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 England Canada Post a Vacancy Apartment/House Vacancies Roommates Update a Vacancy Change of Address 　 Resource Center Useful rental resources Rental Tips Change of Address Credit Reports Furniture Rentals Insurance Moving Storage Selling a Home Free Listing Real Estate Agent Broker For Sale by Owner FSBO Find an Agent Sellers Guide Checklist 　 Buying a Home Search homes for sale Rent vs. Buy Buyers Guide Checklist Mortgage and Finance Home Insurance 　 　 　 RentWave.com Gives You More Choices: View over 1.5 mil. rentals More ads than newspapers Commission-free apts. Drivers scouting for rentals. Listings updated daily View Photos online Pet-friendly rentals Friendly service 24/7 Coverage Areas: Greater Los Angeles, Westside, Orange County, San Francisco, Ventura County, San Diego, Santa Barbara, Sacramento, Las Vegas, Minneapolis, Seattle, Baltimore, Philadelphia, Atlanta, Miami, Washington D.C., Detroit, Denver, Dallas, Houston, Austin, San Antonio, Minneapolis, Boston, Chicago, New Jersey & New York This Month's Featured Communities Los Angeles County Long Beach, Manhattan Beach , Santa Monica, Westside, West Los Angeles, Hollywood, Venice, Melrose, Pasadena, Glendale, Burbank, The Valley. San Diego Coronado, Carlsbad, Oceanside, La Jolla, University City, Vista Santa Barbara Montecito, Mesa, Carpenteria, Ventura, Oxnard . Orange County Anaheim, Irvine, Huntington Beach Newport Beach. Username: Password: Search in: select state Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware 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 England Canada -- -- Help Member Sign In Signing Up F.A.Q. Getting Started Contact Us Advertise With Us Banner Advertising Post Your Vacancy RentWave About Us Contact Us Employment Email a Friend Affiliate Program Vacancy Search | Post a Vacancy | Join | Advertise With Us | Contact Us | About Us | Office Locations Equal Housing Opportunity 2005 4Apartments.com All rights reserved. Legal Note s

real estate brokers and

DOL - Real Estate Real Estate WELCOME to the website for the Real Estate program of the Business and Professions Division of the Department of Licensing. The Real Estate program, in conjunction with the Washington Real Estate Commission, provides public protection in the real estate marketplace through the education and licensure of real estate brokers and salespersons. The Washington Real Estate Commission is appointed by the Governor to advise the Director regarding the rules and regulations governing the activities of real estate licensees. The commission is authorized to hold educational conferences and authorized to prepare and conduct examinations for licensure. WHAT'S NEW: Online Renewal Service Available Real Estate Licensees now have the option of renewing online. The online renewal process can be used to provide continuing education and renewal payment information using a Visa or MasterCard debit or credit card, along with a unique password, which will be shown on your Notice to Renew. When the Renewal process is complete, a confirmation screen will be displayed that you can print for your records. Your license will be sent to the address on file within 14 business days.This alternative approach to renewing will provide a convenient and efficient process that is currently in use by many other departments. If you have any questions, please contact Real Estate Licensing by calling (360) 664-6500 or via email at RealEstate@dol.wa.gov . New Real Estate Administrator Mr. Lee Malott has accepted the Real Estate Administrator position.Lee comes to us from the east side of the mountains from the great city of Walla Walla and brings a wealth of knowledge and experience with him from the private sector. Lee has 10 years experience as a real estate salesperson and has been a memberof the Washington Association of Realtors. His most recent years of his career have been spent successfully in the hospital administration arena--leading large groups of employees working in hospital/nursing home settings. Lee will join us on Monday, October 17th as Real Estate, Appraiser, Timeshareand Camp Resort Section Administrator. 18.85 RCW Revision Task Force Information Join our mailing list - If you are interested in becoming a subscriber, you can sign onto the DOL Real Estate Program LISTSERV® today. There is no cost to subscribe and you may delete your address at any time. Change in Real Estate Fees - Effective June 27, 2005, the Department of Licensing is suspending the collection of the $26.50 fee for name and address changes and transfer. (WAC 308-124A-460) As a reminder, requests for the above changes postmarked before June 27, 2005 must still submit the required fee. Questions? Call (360) 664-6500 or email realestate@dol.wa.gov. As part of the Department of Licensing's ongoing initiative to ensure that real estate licensees endeavoring to earn the broker's (or associate broker's) license are receiving appropriate pre-license training, the Washington Center for Real Estate Research (WCRER) is coordinating a curriculum review. The current contents of the Brokerage Management and Business Management courses were adopted in late 1995 or early 1996, and have not been substantially reviewed until now. If you have recently taken either or both of those courses and have suggestions for modification to their content or emphasis, please forward your suggestions to the WCRER at wcrer@wsu.edu. Prescribed Core Curriculum Requirement The Washington State Real Estate Commission and Department of Licensing have adopted new rules that will require the completion of 3 clock hours of prescribed core curriculum, beginning with renewal dates on or after June 1, 2004. Core CurriculumRequirement Scenarios Notice to all Active Real Estate Licensees and Real Estate Schools Recognition Agreements Check the statusof a professional license. - An Internet-based application designed to give you access to Professional Licensing data. You can navigate the system using full and partial name, license number and other search criteria to perform searches for professional licensing information. FEATURES: Audit Guidelines Real Estate Resources - ARELLO Publications available. Washington State Guidelines for Advertising and Procuring Prospects on the Internet - Adopted September 19, 2000 Guidelines for Using Unlicensed Assistants SERVICES PROVIDED: Washington Real Estate Salesperson's License. Washington Real Estate Broker's License. Information on Examination Locations and Times. Information on Education Services and Publications. Prescribed Core CurriculumRequirement The department has revised its course approval application toprovide for approved providers to designate a course as including theprescribed curriculum. (Word Document) Information on Washington Center for Real Estate Research. - (To be able to use this link, your browser will need to support frames.) PUBLICATIONS: Real Estate Course Catalog Real Estate License Disciplinary Guidelines Washington Real Estate Curriculums For Real Estate related questions please e-mail RealEstate@dol.wa.gov . For Real Estate Audit related questions please e-mail ReAudit@dol.wa.gov . Mailing Address: Department of Licensing Real Estate Audit Section PO Box 2445 Olympia, WA 98507-2445 Phone Number: (360) 664-6515 Fax Number: (360) 570-4941 Please view the right side of this website for the various Real Estate licensing section's telephone and fax numbers. What's New Fees Forms Services Features Publications Meetings & Minutes FAQs Professional Licensing Internet Query Brokers License Salespersons License Appraisers Main Page Real Estate Education Washington Real Estate Commission Real Estate Complaint Form Real Estate Licensing Program Disciplinary Actions Washington Real Estate Licensing Law: RCW 18.85 Real Estate Brokerage Relationships: RCW 18.86 General Provisions: WAC 308-124 Licensing & Exams WAC 308-124A Brokers Office WAC 308-124B Records WAC 308-124C Operational Procedures WAC 308-124D Trust Accounts WAC 308-124E Education WAC 308-124H URBP - RCW 18.235 Telephone: Salesperson & Brokers Licensing Section: (360) 664-6488 or (360) 664-6500 Fax: (360) 586-0998 Education Section: (360) 664-6505 Fax: (360) 570-4977 Real Estate Audit Section: (360) 664-6515 Fax: (360) 570-4941 Office Hours: 8:00 a.m. to 5:00 p.m. Fees Accepted: 8:30 a.m. to 4:30 p.m. Pacific Time Monday through Friday Write: Department of Licensing Real Estate Program PO Box 9015 Olympia, WA 98507-9015 Business Location: 2000 4th Avenue West, Olympia, WA 98502 E-Mail: RealEstate@dol.wa.gov ReAudit@dol.wa.gov