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Amazon.co.uk: Buying a Property in Spain: An Insider Guide to Finding a Home in the Sun: Books BOOK SEARCH BROWSE CATEGORIES SPECIAL OFFERS TOP SELLERS AUDIO BOOKS Paperbacks 3 for £12 NEW & USED TEXTBOOKS HARRY POTTER SELL YOUR BOOKS All Products -Books -Used Books -Collectable Books All Subjects -Art, Architecture & Photography -Audio Cassettes -Audio CDs -Biography -Business, Finance & Law -Children's Books -Comics & Graphic Novels -Computers & Internet -Crime, Thrillers & Mystery -Fiction -Food & Drink -Gay & Lesbian -Health, Family & Lifestyle -History -Home & Garden -Horror -Humour -Mind, Body & Spirit -Music, Stage & Screen -Poetry, Drama & Criticism -Reference & Languages -Religion & Spirituality -Romance -Science & Nature -Science Fiction & Fantasy -Scientific, Technical & Medical -Society, Politics & Philosophy -Sports, Hobbies & Games -Travel & Holiday -Young Adult All Subjects Art, Architecture & Photography Audio Cassettes Audio CDs Biography Business, Finance & Law Children's Books Comics & Graphic Novels Computers & Internet Crime, Thrillers & Mystery Education & Languages Fiction Food & Drink Gay & Lesbian Health, Family & Lifestyle History Home & Garden Horror Humour Mind, Body & Spirit Music, Stage & Screen Poetry, Drama & Criticism Reference Religion & Spirituality Romance Science & Nature Science Fiction & Fantasy Scientific, Technical & Medical Society, Politics & Philosophy Sports, Hobbies & Games Travel & Holiday Young Adult BOOKS INFO At A Glance Reviews Customer Reviews Search Inside! Table of Contents See more by this author E-mail a Friend About This Item Recommendations If you already own this, rate it and improve your recommendations , Not Rated Find a huge selection of books at 30% off Become an Associate Join our Associates Programme and make money from your website! Buying a Property in Spain: An Insider Guide to Finding a Home in the Sun Harry King Search inside this book List Price: £10.99 Our Price: £7.69 & eligible for Free UK delivery on orders over £15 with Super Saver Delivery. See details & conditions . You Save: £3.30 (30%) Availability: usually dispatched within 24 hours. 41 Used & New from £2.95 See larger photo Edition: Paperback More Product Details ~ See Table of Contents Perfect Partner Buy Buying a Property in Spain: An Insider Guide to Finding a... with The Best Places to Buy a Home in Spain today! Total List Price: £22.94 Buy Together Today: £16.05 Customers who bought this item also bought: Buying a Home in Spain 2005 ;Paperback~David Hampshire Going to Live in Spain: A Practical Guide to Enjoying a New Lifestyle in the Sun ;Paperback~Harry King Buying a House in Spain: Where and How to Do It (Buying a House S.) ;Paperback~Dan Boothby Gone to Spain: You Too Can Realise Your Dream of a Better Lifestyle ;Paperback~Tom Provan Living and Working in Spain: How to Prepare for a Successful Visit, Be It Short, Long-term or Forever (Living & Working Abroad) ;Paperback~Robert A.C. Richards Explore similar items ... Product Details: Paperback 256 pages(May 1, 2002) Publisher: How To Books Language: English ISBN: 185703791X Category(ies): Home & Garden , Travel & Holiday Average Customer Review: | Write a review Amazon.co.uk Sales Rank: 96,288 (Publishers and authors: improve your sales ) sign in to turn on 1-Click™ ordering. 31 New from 2.95 10 used from 3.50 Have one to sell? (We'll set one up for you) View my Wish List . Reviews Synopsis This guide to buying a property in Spain offers first-hand advice on where to stay, dealing with estate agents and builders and the types of properties available. It covers building your own home, renovating a ruin, and renting a cosy cottage. From the Author 'After 38 years of corporate life, work was giving little satisfaction. A change was necessary. I wanted to stop work but knew I couldn't simply retire and live happily in the UK. I still needed a challenge. Finally I decided to move to Spain. Why? Because Spain is relatively close to home, it has an excellent climate and the cost of living is lower than in Northern Europe. During my life I've made some good and bad decisions - but coming to Spain was one of the best I've made. I now live in a town house, on the edge of a Spanish village. The back door opens onto a path leading to the mountains. The front bedroom window overlooks the Med only a few kilometres away. The neighbours are all Spanish. It doesn't get much better than that.' See all reviews... New! Search Inside! ( Learn More ) Search inside this book: You can view sample pages from this book. Customer Reviews Avg. Customer Review: Write an online review and share your thoughts with other shoppers! Don't waste your time or money , October 6, 2005 Reviewer: feeMag from Dublin, Ireland I can see how this guy managed to buy a house in Spain. He wrote a book that is padded to the hilt with useless information fo fund it. If you want to know what the weather or the people in Spain are like then you can read about it in this book. The amount of helpful information about buying property in Spain can be found in about 2 pages, information that you would probably find online. Seriously don't waste your money by buying this book, save it for your house in Spain. Was this review helpful to you? 13 of 14 people found the following review helpful: A really practical guide to buying a house in Spain , June 30, 2003 Reviewer: Richard Parker from Bradford, England I found this book very helpful, especially the explanations of all the different legal documents. None of the other books I considered explain the legal documents involved in buying a Spanish property quite as clearly. The sample documents helped me to understand what was asked of me. As somebody who has never dealt with Spanish solicitors and agents before, I was glad to get a low-down on what they do and what to look out for from this book. A really useful book; well done, Harry King! Was this review helpful to you? 18 of 23 people found the following review helpful: Look elsewhere!! , June 4, 2003 Reviewer: Mr N Batcheler from London United Kingdom If you've never been to Spain before, know absolutely nothing about the country, and don't perhaps possess at least a minimal ammount of common sense then you might, just might, find something in this book of some use. Otherwise I would urge you not to waste your time or money by buying this book - I made the mistake so you don't have to! The style of writing is amateurish to say the least, the layout has obviously been designed by someone that's just bought some new software and wants to use all it's features at once, the content is shallow and next to useless as a guide to buying property. All in all I am amazed that this book ever made it into print, it really shouldn't have. I've only given it one star as it's not possible to give none! Was this review helpful to you? 54 of 58 people found the following review helpful: Buying a property in spain , November 9, 2002 Reviewer: mozz43 from Leeds, West Yorkshire United Kingdom If you,like me are considering buying a property in spain,either for permenant living (as i am)or soley for holidays and rental purposes buy and read this book before you do anything else. The book deals with all aspects of buying and all the legal side of a purchase in spain, and all the strange spainsh laws that us English do not understand,such as checking that the property has no debts attatched to it or if you buy and it has YOU are responsable for them. This book is well written,and in most part (not the law side)very easy to understand ,and has informed me of a lot of things i did not know which is very valuable when you are spending a lot of your hard earned cash on a purchase in a different contry with such uncommon laws,i would highly recommend this book if you are considering a place in the sun. Was this review helpful to you? Customers who bought books by Harry King also bought books by these authors: David Hampshire Joanna Styles Guy Hobbs Charles Davey Dan Boothby Look for similar books by subject: Browse for Books in: Subjects > Travel & Holiday > General Subjects > Travel & Holiday > Speciality Travel > Living & Working Abroad Subjects > Home & Garden > Buying & Developing Property > Property Guides Search for books by subject: Economics Housing & property for the individual Legal Reference / Law Profession Living & working abroad Portugal Property Spain i.e., each book must be in subject 1 AND subject 2 AND ... 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Amazon.com: Home Alone: DVD: Macaulay Culkin,Joe Pesci,Daniel Stern,John Heard,Roberts Blossom,Catherine O'Hara,Angela Goethals,Devin Ratray,Gerry Bamman,Terrie Snell,Hillary Wolf,Larry Hankin,Michael C. Maronna,Kristin Minter,Daiana Campeanu,Jedidiah Cohen,Kieran Culkin,Senta Moses,Anna Slotky,John Candy,Chris Columbus Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Top 10 Best Christmas Movies : A list by "mjp260" Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 64 used & new from $11.00 Available for in-store pickup now from: $14.99 Price may vary based on availability Enter your ZIP Code Have one to sell? Home Alone (1990) Starring: Macaulay Culkin , Joe Pesci Director: Chris Columbus Rating: See larger image Share your own customer images List Price: $19.98 Price: $12.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $6.99 (35%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Tuesday, January 3? Choose One-Day Shipping at checkout. See details 64 used & new available from $11.00 Edition: Other Versions and Languages Other Versions (DVD) List Price Price Other Offers: DVD Home Alone/Home Alone 2: Lost in New York $29.98 2 used & new from $59.99 DVD Home Alone Better Together Buy this DVD with Home Alone 2 - Lost in New York DVD ~ Macaulay Culkin today! Total List Price: $39.96 Buy Together Today: $25.98 Customers who bought this DVD also bought Home Alone 2 - Lost in New York DVD ~ Macaulay Culkin National Lampoon's Christmas Vacation (Special Edition) DVD ~ Chevy Chase The Santa Clause (Widescreen Special Edition) DVD ~ Tim Allen A Christmas Story (Full Screen Edition) DVD ~ Yano Anaya Explore Similar Items : in DVD , in Video , and in Music Storyline Genres: Comedy , Crime , Family Tagline: A Family Comedy Without The Family. Plot Outline: An eight year-old, who is accidentally left behind while his family flies to France for Christmas, has to defend his home against idiotic burglars. Plot Synopsis: 8-year-old Kevin McAllister is accidentally left behind when his family takes off for a vacation in France over the holiday season. Once he realizes they've left him home by himself, Kevin learns to fend for himself, and eventually has to protect his house against bumbling burglars Harry and Marv, who are planning to rob every house in Kevin's suburban Chicago neighborhood. Kevin's mother Kate is frantic when she realizes that she and the family have unintentionally left Kevin behind in Chicago, and she tries to make it back to Chicago as fast as she can, getting help from a polka band leader named Gus Polinski. Plot Keywords: Blockbuster | Burglary | Christmas | Family | Home Alone | Kid Outsmarts Adult | Kids And Family | Famous Score | Booby Trap | Title Spoken By Character | Chicago Illinois | (Show all 97 plot keywords recommended by customers) Product Details Actors: Macaulay Culkin , Joe Pesci , Daniel Stern , John Heard , Roberts Blossom , See more Directors: Chris Columbus Format: Closed-captioned, Color, Dolby, Widescreen, Ntsc, Widescreen Letterbox Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.85:1 Number of discs: 1 Rated: Studio: 20th Century Fox DVD Release Date: October 5, 1999 Run Time: 103 minutes Average Customer Review: Based on 142 Reviews DVD Features: Available Subtitles: English Available Audio Tracks: English (Dolby Digital 2.0 Surround), French (Dolby Digital 2.0 Surround), Spanish (Dolby Digital 2.0 Surround) From IMDb: Quotes & Trivia ASIN: B00000K3CL Amazon.com Sales Rank: #243 in DVD Theatrical Release Information US Theatrical Release Date: November 16, 1990 MPAA: Production Company: 20th Century Fox USA Box Office: $286 Million Worldwide Box Office: $534 Million Budget Estimate: $15 Million Filming Locations: 656 Lincoln Ave., Winnetka, Illinois, USA| 671 Lincoln Ave., Winnetka, Illinois, USA| Chicago, Illinois, USA| Evanston, Illinois, USA| Grace Episcopal Church - 924 Lake St., Oak Park, Illinois, USA| Haven Middle School - 2417 Prairie Ave., Evanston, Illinois, USA| Highland Park, Illinois, USA| Hubbard Woods Metra Station - 1065 Gage Street, Winnetka, Illinois, USA| O'Hare International Airport, Chicago, Illinois, USA| Panera Bread Company--formerly Hubbard Woods Pharmacy - 940 Green Bay Rd., Winnetka, Illinois, USA| Paris, France| Trinity Methodist Church - 1024 W. Lake Ave., Wilmette, Illinois, USA| Wilmette, Illinois, USA| Winnetka, Illinois, USA Editorial Reviews Amazon.com Now and forever a favorite among kids, this 1990 comedy written by John Hughes ( The Breakfast Club ) and directed by Chris Columbus ( Mrs. Doubtfire ) ushered Macaulay Culkin onto the screen as a troubled 8-year-old who doesn't comfortably mesh with his large family. He's forced to grow a little after being accidentally left behind when his folks and siblings fly off to Paris. A good-looking boy, Culkin lights up the screen during several funny sequences, the most famous of which finds him screaming for joy when he realizes he's unsupervised in his own house. A bit wooden with dialogue, the then-little star's voice could grate on the nerves (especially in long, wise-child passages of pure bromide), but he unquestionably carries the film. Billie Bird and John Candy show up as two of the interesting strangers Culkin's character meets. Joe Pesci and Daniel Stern are entertainingly cartoonish as thieves, but the ensuing violence once the little hero decides to keep them out of his house is over-the-top. --Tom Keogh Customers who viewed this DVD also viewed Home Alone 3 DVD ~ Alex D. Linz It's a Wonderful Life DVD ~ James Stewart Miracle on 34th Street DVD ~ Maureen O'Hara The Santa Clause 2 - The Mrs. Clause (Widescreen Edition) DVD ~ Tim Allen Explore Similar Items : in DVD , in Music , and in Video Spotlight Reviews Write an online review and share your thoughts with other customers. 8 of 11 people found the following review helpful: Christmas Alone is a Laugher , February 9, 2004 Reviewer: rodboomboom (Dearborn, Michigan United States) - See all my reviews This Christmas classic is so enjoyable, due to the engagement between Kevin and two superb burglars (ala Pesci and Stern). In my view, these two burglars make it the great comedy that it is. There expressiveness in being duped by the redhead protecting his family home is creative and simply good comedy to enjoy. The neighbor with the shovel is another outstanding character that pops up in key spots in the plotline. Candy is so-so as the polka king. The mother played by O'Hara is authentic too in her concern, and the rest are just support cast in this. The plot is possible due to the setup of the busy family preparing for the trip with all the chaos and Kevin being somewhat of a sore-thumb in all this. The results are a howl! Enjoy watching this periodically over the years. Too my way of thinking, this makes a movie truly great, its ability to have lasting power. This might be one of those that endures the fads and all that make many flicks ok, but would one buy them or rent them or watch them again? Likely not. But this, this one I've did all three, finally purchasing a copy for our own collection. Was this review helpful to you? ( Report this ) 8 of 9 people found the following review helpful: Be Careful What You Wish For! , October 31, 2002 Reviewer: L. Shirley "Laurie's Boomer Views" (fountain valley, ca United States) - See all my reviews This review refers to the VHS(20th Cent Fox) edition... Second grader Kevin McCalister(Macaulay Culkin) is having a REALLY bad day. His family(including cousins, Aunt and Uncle) is getting ready to leave on a Christmas vacation to Paris. There's lots of activity, he is the youngest. He feel's picked on(and he is),and brushed aside. He has to actually do things for himself, unheard of in his 8 yr old world.His older brother scares him with stories of the neighbor being "The Shovel Murderer". He wishes they would all "JUST GO AWAY". The next morning he awakes to discover his wish came true. Jubilant he immediatly preceeds to do all the things he's not allowed to. Meanwhile, halfway across "The Pond", to Paris, his parents make the grim discovery that they have accidentally left him behind. Panic sets in! With the feeling of worry and guilt only known to parents, his mom(Catherine O'Hara) makes a hasty retreat back to the states, hitting road blocks all the way. Kevin settles in to life alone, waivering between being a kid and the responiblities of the household chores.Lurking around his house though, are two bumbling cat burglers(Joe Pesci/Daniel Stern).Kevin must protect his domain. He goes about setting his plan into motion,using whatever available means to thwart the bad guys.He also gets a little help from a surprise source. What follows is very funny, kind of three stooges action, as the burglers fall into every trap he sets for them. Kevin learns several lessons in his time alone. One is that he really loves his family,that he can take care of himself, and not to judge others. The music by John Williams,including lots of seasonal classics, will leave you singing Christmas songs, whatever time of year you watch it. Directed By Chris Columbus who really makes you root for the good guys. The supporting cast includes,John Heard, Roberts Blossom, and Hilary Wolfe.Look for the wonderful John Candy as "The Polka King". "Home Alone" will have you laughing throughout.It is a funny,sometimes poignant story, that will be enjoyed year after year by the whole family. There are 2 sequels,the first has most of the same cast returning to do it again, this time in New York City! The VHS has a very good picture. It is in Dolby Surround Stereo,(nice for the soundtrack). Have fun...........Laurie Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. Never knew Christmas could be this fun! , December 26, 2005 Reviewer: Kirs Mabitad "AnGeLkirs" (Hong Kong) - See all my reviews First of all, the main thing about this movie is the irresponsibility of the parents. It angered me to know how they could just forget about their son like that. Overall, I thought McCauly Culkin was really great. He acted very naturally for a 9-year-old boy. The whole plot is fun for all ages. The music was very nice too. It gives you a christmas feel but at the same time, it makes you feel the cunningness of Kevin. I found it a very interesting movie...watch it! Kirstie Was this review helpful to you? ( Report this ) Being Left Alone is like a Christmas Gift! , December 24, 2005 Reviewer: Massacre "Weird Al" (Dracut) - See all my reviews Way Better than the 4 and 3! Two Burglurs that break in a house of a 8 year old smart cookie boy is just funny Enuff! Get this for Christmas if you don't have it! Was this review helpful to you? ( Report this ) HOME ALONE IS A HYSTARICALLY FUNNY MOVIE , December 6, 2005 Reviewer: BENJAMIN SANTINO FILIPPI "BENJAMIN" (BRECKSVILLE OHIO USA) - See all my reviews HOME ALONE IS A HYSTARICALLY FUNNY MOVIE DANIEL STERN AND JOE PESCI ARE HYSTARICALLY FUNNY YOU COULD OWN IT ON VIDEO CASSETTE AND YOU COULD OWN IT ON DVD IT'S VERY FUNNY PLEASE EMAIL ME bsfilippi@sbcglobal.net BENJAMIN SANTINO FILIPPI BRECKSVILLE OHIO Was this review helpful to you? ( Report this ) 0 of 3 people found the following review helpful: Its a fun christmas family film but is not great , December 6, 2005 Reviewer: Jake - See all my reviews Home Alone is one of the top grosing films ever and is a family classic but it's not a great film. Yes the film is funny and it's a fun family film for the whole family but it's not a great film. Maybe I dont find it great becouse I've seen it so maney times and i dont find the traps funny anymore(I liekd the traps in the sequal better). The story is un beievale as a boy is left home alone by mistake during christmas and he sets the house full of traps to catch 2 bumbling robbers. Culkien is great and Stern and Pesi are funny. The movie is a good christmas film. Was this review helpful to you? ( Report this ) See all 142 customer reviews... Listmania! Favorite Movies 1989-1999 Part... : by "crgreen06172" 25 Cool Pre-Teen Kid Movies : by K. Ellis "kjjcellis" Top 10 Best Christmas Movies : by "mjp260" So You'd Like to... know the movies I like to watch : by Chris , As I said they are mostly comedies make your christmas DVD collection : by ldaman , DVD collector See Yet Another Essential Christmas Viewing List : by Devin Melancon , Cinema buff who won't shut up Fun Facts from IMDb.com: Awards Click here to see more Awards American Comedy Awards, USA: American Comedy Award for Funniest Actor in a Motion Picture (Leading Role) BMI Film & TV Awards: BMI Film Music Award British Comedy Awards: British Comedy Award for Best Comedy Film Casting Society of America, USA: Artios for Best Casting for Feature Film, Comedy Chicago Film Critics Association Awards: CFCA Award for Most Promising Actor Golden Screen, Germany: Golden Screen Young Artist Awards: Young Artist Award for Most Entertaining Family Youth Motion Picture - Comedy/Action, Best Young Actor Starring in a Motion Picture Nominations Click here to see more Nominations Academy Awards, USA: Oscar for Best Music, Original Score, Best Music, Original Song Golden Globes, USA: Golden Globe for Best Motion Picture - Comedy/Musical, Best Performance by an Actor in a Motion Picture - Comedy/Musical Young Artist Awards: Young Artist Award for Best Young Actress Supporting Role in a Motion Picture Trivia Click here to see more Trivia The concept for this movie originated during the filming of a scene in Uncle Buck in which Macaulay Culkin plays a character who interrogates a would-be-babysitter through a letterbox. The movie that Kevin watches on video tape is not a real film, but footage especially created. It was called "Angels With Filthy Souls." Goofs Click here to see more Goofs Harry protects his burnt hand with a handkerchief when he climbs along the rope towards the tree house, but alternating shots show the tail of the handkerchief either sticking out or not. Movie Connections Click here to see more Movie Connections Followed by: Home Alone 2: Lost in New York | Home Alone 3 Alternate Versions Click here to see more Alternate Versions Television airings edited the following: Kevin saying that Fuller will pee all over him after explaining to Kate that Fuller wets the bed; Kevin calling Harry and Marv "horse's ass"; when everyone glares at Kevin after the dinner accident, the second scene with Peter and Buzz looking at him was removed. Quotes Click here to see more Quotes Kevin McCallister : This is my house, I have to defend it. [to the Scranton Ticket Agent] Kate McCallister : This is *Christmas*. The season of perpetual hope. And I don't care if I have to get out on your runway and hitchhike. If it costs me everything I own, if I have to sell my soul to the devil himself, I am going to get home to my son. For more information about "Home Alone" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Blossom, Roberts DVD > Actors & Actresses > ( C ) > Culkin, Kieran DVD > Actors & Actresses > ( C ) > Culkin, Macaulay DVD > Actors & Actresses > ( H ) > Hankin, Larry DVD > Actors & Actresses > ( H ) > Heard, John DVD > Actors & Actresses > ( M ) > Minter, Kristin DVD > Actors & Actresses > ( O ) > O'Hara, Catherine DVD > Actors & Actresses > ( P ) > Pesci, Joe DVD > Actors & Actresses > ( S ) > Stern, Daniel DVD > Actors & Actresses > ( W ) > Wolf, Hillary DVD > Directors > ( C ) > Columbus, Chris DVD > Genres > Comedy > By Theme > Mischievous Children DVD > Genres > Comedy > By Theme > Nothing Goes Right DVD > Genres > Comedy > Domestic Comedies DVD > Genres > Comedy > General DVD > Genres > Comedy > Series & Sequels > Home Alone DVD > Genres > Comedy > Slapstick DVD > Genres > Kids & Family > 10-12 Years DVD > Genres > Kids & Family > 7-9 Years DVD > Genres > Kids & Family > By Theme > Christmas DVD > Genres > Kids & Family > By Theme > Mischievous Children DVD > Genres > Kids & Family > Comedy DVD > Genres > Kids & Family > Family Films Suggestion Box Your comments can help make our site better for everyone. 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Commercial Real Estate Properties and Brokers Commercial Real Estate Listings & News Home Search Advertise News Customer Service CityfeetSpaces -- Thursday, December 29, 2005 Commercial Real Estate Advertising Reach thousands of tenants, buyers and brokers in your market. Appear on Yahoo!, NYTimes.com & over 50 partner websites Outstanding value, takes only minutes to post. Post Commercial Property for Lease Post Commercial Property for Sale Post an Executive Suite Post a Business For Sale Become a Featured Broker More reasons to use Cityfeet Testimonials FAQs More Questions? Call us at 1-866-527-0540 or Email Us "We have been impressed with the amount of hard work and dedication Cityfeet.com has put into creating maximum coverage for their clients." Stasi Martin Lofts Unlimited San Francisco, CA More reasons to use Cityfeet Testimonials FAQs More Questions? Call us at 1-866-527-0540 or Email Us Username Password forgot login info? DID YOU KNOW... Since 1999, over 10,000 companies have marketed their properties on Cityfeet. View testimonials DID YOU KNOW... Cityfeet powers the commercial real estate of Yahoo! and over 50 major US newspapers . ©2004 Cityfeet.com - All Rights Reserved Home | Search | Advertise | Customer Service | About Us | Privacy Statement | Site Map Find Commercial Real Estate Listings - Cityfeet.com Company Overview : Cityfeet is the leading online commercial real estate network, connecting commercial real estate property owners and brokers to tenants, brokers and investors. Cityfeet offers commercial real estate products and services catering to the national and local needs of the commercial real estate industry . Cityfeet specializes in all commercial real estate property categories including office space, executive suites, commercial land, industrial property, retail space and businesses for sale. Cityfeet is the #1 source of free commercial real estate information for commercial real estate professionals and powers the commercial real estate area of many of the countries most popular websites including Yahoo! Realestate.com and The New York Times. ( See all partners ) Commercial Real Estate for Lease | Commercial Real Estate for Sale | Executive Suites | Businesses for Sale | Commercial Real Estate Broker Directory | Cityfeet Local
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California Department of Real Estate: FAQs - Mortgage Loan Brokering in California California Home DRE Home Contact Us What's new About DRE Careers at DRE DRE Records Consumers Escrow Violations eLicensing Examinees Licensees Subdivisions Real Estate Law Regulations Publications Forms FAQs Links Index Department of Real Estate My CA FAQs: Mortgage Loan Brokering in California indicates an item is in Portable Document Format (PDF). You will need Adobe Reader (or an Adobe Acrobat product) to view it. Click on the icon below to download a free copy of Adobe Reader. Click here for information about using Adobe Reader. Provided below are answers to some of the most frequently asked questions regarding licensing and other related issues for those who are interested in some aspect of the mortgage business in California. Questions come from both licensees and non-licensees from other states and California expressing an interest in California licensing requirements to engage in mortgage activity. The following questions and answers are intended to answer many, but by no means all, of these inquiries from the standpoint of the Department of Real Estate requirements. Q . - As a mortgage broker in Kansas (or any other state), my plan is to move to California and pursue this same business. Does California issue mortgage broker licenses and is there any reciprocity in licensing with other states? A . - California does not issue a "mortgage broker" license. A majority of those engaged in mortgage loan brokering do so with a real estate broker license. To the surprise of some, the license that allows the listing and sale of real property (the traditional activities associated with a real estate broker license) is the same license that allows the solicitation of borrowers or lenders, the negotiation of loans secured by real property and the collection of payments on notes secured by real property. For further details concerning the definition of licensed activity, review Business and Professions Code Sections 10130 and 10131. It should be noted there are other licenses that allow mortgage loan brokering under a limited set of circumstances, such as the California finance license and the residential mortgage lending license. For information about these licenses contact the California Department of Corporations. (See addresses at end of pamphlet.) California does not have reciprocity with any other state as far as a real estate license is concerned. Information regarding obtaining either an individual or corporation real estate broker license is explained in Instructions to License Applicants . Q . - As a mortgage broker working outside of California, I occasionally have clients who are moving to California and have asked me to broker a loan for them to be secured by their new home. Although I am not licensed in California, can I broker a loan secured by California real estate? Does California have a rule that allows me to broker a small number of loans in California before I would have to be licensed? A . - No. To broker even one loan in California you need to be licensed here. However, California Real Estate Law does allow a California broker to share a commission with a broker from another state. Therefore, it may be possible to co-broker the loan with a licensed California broker. Q . - I am a licensed California real estate broker and I specialize in the sale of real property, primarily residential homes. I would like to branch out and engage in mortgage brokering. What additional licensing must be obtained? A . - As a licensed real estate broker, you may engage in mortgage brokering without any additional license. A real estate broker may engage in a variety of real estate related activities including residential home sales, mortgage brokerage, and property management, among others. You may, however, wish to consult with the Department of Housing and Urban Development to determine their rules regarding real estate sales and the arranging of FHA loans. Additionally, if you represent a buyer or seller in a real estate transaction, and will also be compensated for obtaining the loan for the buyer, Commissioners Regulation 2904 requires you to disclose, to all parties in the transaction, the form, amount, and source of the compensation received or expected for the loan. Go to Top of Page Q . - Another broker told me that the kind and volume of mortgage brokerage activity I engage in makes me a "threshold" broker. What does that mean? A . - Determining whether a broker meets the "threshold" criteria takes a careful reading of Section 10232 of the Business and Professions Code. Generally, the criteria is met by brokers who arrange, sell, or service "private investor" or "private lender" loans, sometimes referred to as "hard money" loans. The "threshold" criteria is satisfied by negotiating 10 or more loans or sales of notes or real property sales contracts in any 12-month period in an aggregate amount of more than $1,000,000 (all of which were funded or purchased by private investors or small pension trusts). A broker can also meet the "threshold" criteria by servicing loans on behalf of investors or on behalf of obligors. If the aggregate amount of payments collected is $250,000 in any 12-month period, the "threshold" criteria has been met. Included in the $250,000 aggregate is any amount the broker collects on loan payoffs. Brokers who collect payments on behalf of obligors are typically those who collect payments from homeowners on a bi-weekly mortgage payment plan. Within 30 days of meeting the "threshold" criteria, a broker is required to submit a Threshold Notification (RE 853) to the Department. The notification form is available at any DRE office or may be downloaded from the DRE Web site at http://www.dre.ca.gov . Q . - Once Ive submitted a Threshold Notification (RE 853) to the Department advising of my "threshold status," what happens next? A . - After receipt of the "threshold" notification, the Department sends the broker information and necessary documents for required quarterly and annual reporting to the Department and adds the broker to the "threshold" list. The Department then tracks and records each required report from the broker. Q . - What kind of reporting requirements are necessary if I satisfy the "threshold" criteria? A . - "Threshold" brokers make quarterly and annual reports to the Department on their trust fund bank accounts and an annual report on their business activities. Except for the annual trust fund report (which is done by a public accountant per instructions from the Department), the Department provides the necessary forms for the quarterly trust account and annual business activity reports. These are provided to the broker upon receipt of the "threshold" notification form. Go to Top of Page Q . - I am a broker who arranges loans for, and sells notes to, private investors and small pension trusts. May I also borrow personally from any of these investors? A . - Yes. However, these "self-dealing" loans are highly scrutinized and require notice to DRE before the transaction is completed. Before a broker, or salesperson acting on behalf of a broker, solicits and accepts funds for the direct or indirect use or benefit of the broker, the broker must submit to DRE a true copy of the Lender/Purchaser Disclosure Statement prior to obtaining the signature of the investor/purchaser. The Lender/Purchaser Disclosure Statement must be accompanied by the brokers statement that the submittal is being made pursuant to Business and Professions Code Section 10231.2. While the broker need not wait for DREs approval of the transaction, the Lender/Purchaser Disclosure Statement must be presented to the investor/lender not less than 24 hours prior to that person becoming obligated to make the loan or purchase the note. The Lender/Purchaser Disclosure Statement must also give a detailed explanation of the intended use of the funds, including an explanation of the nature and extent of the benefits to be derived directly or indirectly by the broker. It is very important to understand that "self-dealing" is not permitted in multiple investor (fractionalized) transactions except under the limited circumstances set forth in Business and Professions Code Section 10229(d)(1). Q . - When engaged in mortgage loan brokering, are there any special trust fund record keeping requirements? A . - Yes. In addition to the trust fund record keeping requirements of the Business and Professions Code that apply to all real estate brokers, mortgage brokers must also maintain quarterly trust fund reconciliations of their trust account on special forms available from the Department. These forms are completed, maintained in the brokers office, and made available upon request to a Department representative for review. The quarterly reconciliation forms are, Trust Fund Status Report ( RE 855) and Trust Fund Bank Account Reconciliation (RE 856) . Q . - Are there specific disclosure statements that must be used by a real estate broker in the mortgage business? A . - Every real estate broker who negotiates a loan to be secured directly or collaterally by a lien on real property shall, within three business days after receipt of a completed written loan application or before the borrower becomes obligated on the note, whichever is earlier, cause to be delivered to the borrower a statement in writing (borrowers disclosure statement), containing all the salient features of the loan to be negotiated by the broker. The statement must be personally signed by the borrower and by the real estate broker negotiating the loan or by a real estate licensee acting for the broker in negotiating the loan. When so executed, an exact copy thereof shall be delivered to the borrower at the time of its execution. A federal Good Faith Estimate (GFE) may also be required in a loan transaction under the Real Estate Settlement Procedures Act (RESPA). The GFE may contain some similar disclosures but it cannot, without modification pursuant to Business and Professions Code Section 10240(c), be a substitute for the disclosure statement required by state law. The state disclosure statement is called the Mortgage Loan Disclosure Statement (MLDS). If a GFE is necessary in the loan transaction, the Department has available a Mortgage Loan Disclosure Statement/Good Faith Estimate (MLDS/GFE). The MLDS/GFE satisfies the state disclosure requirement and the federal GFE requirement. In addition to a disclosure statement for the borrower in a loan transaction, there are lender disclosure statements that a broker may be required to use. Unlike the MLDS or MLDS/GFE which must be provided to a borrower in virtually every loan transaction, the disclosure statement for a lender/investor is limited to private and small pension trust lenders/investors. Lenders/investors such as banks, savings and loan associations, credit unions, and a variety of others need not receive the lender/investor disclosure statement which is called the Lender/Purchaser Disclosure Statement (LPDS). Every real estate broker, in making a solicitation to a private investor and in negotiating with that investor to make a loan secured by real property or to purchase a real property sales contract or a note secured by a deed of trust, is required to deliver to the investor solicited the applicable completed statement as early as practicable before he or she becomes obligated to purchase or make the loan. The statement shall be signed by the prospective lender or purchaser and by the real estate broker, or by a real estate salesperson licensed to the broker, on the brokers behalf. When so executed, an exact copy shall be given to the prospective lender or purchaser. The Department has available three versions of the LPDS, depending on the type of transaction. There are statements for loan origination, sale of an existing note and one for a collateralized loan. Please note that collateralized loans are not permitted in multi-lender transactions. Go to Top of Page Q . - Are there specific rules or laws that pertain to advertising by real estate brokers engaging in mortgage activity? A . - Yes. The law states, in part, that: "No real estate licensee shall knowingly advertise, print, display, publish, distribute, telecast or broadcast, or cause or permit to be advertised, printed, displayed, published, distributed, televised or broadcast, in any manner any statement or representation with regard to the rates, terms, or conditions for making, purchasing or negotiating loans or real property sales contracts which is false, misleading or deceptive." To assist licensees in complying with the law, Commissioners Regulation 2848 sets forth sixteen (16) subsections of "donts" of mortgage loan advertising. Q . - What about those who advertise from outside of California via the Internet? A . - Advertising real estate services on the Internet, including mortgage loan services, is considered solicitation of a California resident when read by a resident of California. Either the out-of-state advertiser on the Internet must be properly licensed in California or the ad must contain a disclaimer to the effect that the ad is not valid in California. The Department has prepared information regarding Internet advertising which is available from any Department district office and is partially reproduced here: Internet Advertising These guidelines have been prepared by the California Department of Real Estate to assist real estate brokers and businesses that are not licensed in California who are considering advertising real estate services on the Internet. If you are not properly licensed in California, you may not solicit California residents. To do so would be considered conducting activity for which a real estate license is required. Because the Internet can be read by anyone in any location, advertising your services on the Internet would be considered soliciting a California resident when read by a resident of this state. If you conduct activity which requires a California real estate license, but you are not a California licensee, you could be subject to administrative sanction such as a Desist and Refrain Order. If you are now conducting, or plan to conduct, the above activity in California, you need to apply for a real estate broker license . If you dont plan to become licensed in California, you should make sure your Internet advertising contains a disclaimer such as the following: "Notice: This offer is valid only in State 1, State 2..." (states wherein you are licensed or authorized to do business). If you are licensed in numerous states, you may want the disclaimer to read: "Notice: This offer is not valid in State 1, State 2..." (states in which you are not licensed or authorized to do business). Q . - Are there some advertising violations that are more often encountered than others? Yes. Some of the more common advertising violations are: Using terms in a comparative or superlative degree to describe any aspect of the business or any terms applicable to loans negotiated by the broker, without setting forth in the ad additional information to render the superlative or comparative terms unambiguous in the context in which they are used. For example, a broker who advertises "FAST LOANS" must also set forth in the ad how "fast is fast" (e.g. "most loans closed in 90 days from application"). A broker who advertises "LOW RATES" should also set forth in the ad what rates are available so that the term "LOW" is actually defined. It should be noted that the Department may require the broker to substantiate any claims made in an ad or require additional qualifiers in the ad to ensure the ad is not misleading to the public. Advertising a specific payment for a loan without including in the ad an equally prominent disclosure of the loans interest rate, APR, principal amount, number, amount and period of payments scheduled to maturity and the balance due at maturity if not a fully amortized loan. Advertising an interest rate without disclosing whether the rate is for first mortgages, junior loans or both. Advertising a loan program with special qualifying restrictions or special requirements without setting forth those requirements or restrictions in the ad. Advertising an interest rate without an equally prominent disclosure of the APR. It should be noted that if a rate appears in an ad without an APR, a disclosure of "APR NOT CALCULATED" is not sufficient. An APR must be disclosed if a rate appears in the ad. In addition to the above examples, which are based on specific subsections of the regulation, phrases and words used in advertising can be misleading in themselves. "No Cost" loans and "No Fee" loans are such words. All real property secured loans have certain inherent costs, such as title insurance, escrow, appraisal, recording fees, etc. These services are bought and paid for by the borrower in all loan transactions. In the cases where a broker arranges a premium priced loan where a lender rebate is used to pay for these services, the services are still performed and the costs incurred. The borrower pays the costs of the services via a higher interest rate than would be available if the borrower paid for the services out-of-pocket. In effect, the borrower finances the closing costs over the entire life of the loan. Although there may be no out-of-pocket costs to the borrower, clearly there are fees and costs involved, contrary to the claims in these ads. Go to Top of Page Q . - I understand something called the "multi-lender rule" was transferred from the California Department of Corporations to the Department of Real Estate. What is this and how may I as a mortgage broker be affected? A . - The Department of Corporations enforces the state securities laws which require that any security in an issuer transaction be qualified prior to sale with certain exemptions. Such an exemption was the "multi-lender rule" (Section 260.105.30) which permitted the sale of interests in notes secured by real property to not more than 10 persons as defined. This "rule" was legislatively transferred by Assembly Bill 754 (Kuykendall) to the Department of Real Estate as Section 10229 of the Business and Professions Code. Any real estate broker (mortgage broker) involved in loan transactions secured by real property where the investors number 10 or less, but more than one, known as fractionalized notes, must notify the Department of Real Estate of the engagement in "multi-lender" activity. Any broker who arranges, sells or services such fractionalized notes must file a Multi-Lender Transaction Notice (RE 860) with the Department within 30 days of the first such transaction. Quarterly, CPA-prepared reports must be filed by any broker who acts as the servicing agent for such notes where the payments due during any period of three consecutive months exceeds $125,000, or the number of persons entitled to payments exceeds 120. The quarterly reports are in addition to the "threshold reports" previously discussed. Section 10229 is very detailed and should be carefully reviewed before becoming involved in multi-lender transactions. Q . - As a mortgage broker, can I collect fees from a borrower to cover certain costs in a loan transaction when a loan application is taken, such as a fee to cover my expenses in processing the application or fees for credit report and appraisal? A . - Fees that are collected by the broker from a borrower prior to the services being rendered are defined as "advance fees." To preclude the inappropriate use of such fees, a broker can only collect "advance fees" if the contract or agreement to do so has been submitted to and approved by the Department in advance of use. This agreement specifically tells a borrower how the "advance fees" are to be used by the broker. The broker must also maintain all "advance fees" in a trust fund bank account and they must be expended only on behalf of the borrower. In addition, whatever other materials the broker might use in collecting "advance fees" must also be submitted to the Department, prior to use, for review and approval. Credit report and appraisal fees, although technically "advance fees" are not considered as such and may be collected without adhering to the prescribed advance fee procedures. These fees are invariably passed to third parties performing the services. They must, however, be maintained in a trust fund bank account and expended appropriately. A broker may not profit from the collection of credit report and appraisal fees. If actual costs are less than collected, the excess must be refunded to the borrower. Q . - I am not licensed as a real estate broker or real estate salesperson and I am only going to assist private parties who wish to sell their notes (secured by real property) for cash to another party (investor), perhaps in another state. Is a real estate license required if I conduct this activity in California? A . - The activity described, so-called note brokering , requires a real estate license if performed in California. This includes the solicitation of California note owners, whether in person, by mail, telephone, or other means of communication. One of the definitions of a real estate broker is: "...a person who, for a compensation or in expectation of a compensation, regardless of the form or time of payment, does or negotiates to do one or more of the following acts for another or others: (e) Sells or offers to sell, buys or offers to buy, or exchanges or offers to exchange a real property sales contract, or a promissory note secured directly or collaterally by a lien on real property or on a business opportunity, and performs services for the holders thereof." There are companies engaged in the discounted purchase of certain mortgages, primarily those carried back by residential sellers and secured by the transferred real property. The companies hold seminars to recruit people to solicit and negotiate the sale of these mortgages. Seminar attendees are informed that they do not need a real estate license to engage in this activity. In California, this is wrong because the activity fits the definition quoted above. Go to Top of Page Q . - Is a real estate licensee in the mortgage business required to show any specific disclosure of his or her license status in an ad? A . - All California real estate licensees, when acting as such, must disclose licensure in advertising. For a broker engaged in mortgage loan activity, the following also applies: "No real estate licensee shall place an advertisement disseminated primarily in this state for a loan unless there is disclosed within the printed text of that advertisement, or the oral text in the case of a radio or television advertisement, the license under which the loan would be made or arranged." A real estate broker must include one of the following disclosures in any mortgage loan advertising: "Real estate broker, California Department of Real Estate" or "California Department of Real Estate, real estate broker." The words "California" and "Department" may be abbreviated as "CA", "CAL" or "CALIF" and "DEPT." In addition to the license and licensing department identifiers, mortgage brokers must include their 8 digit broker license identification number in the ad. In the borrower and lender/purchaser disclosure statements (MLDS and LPDS), a broker must disclose the license identification number and the information telephone number established by the Department that a consumer can call to inquire about the license status of the broker. Q . - Has there been a change in the retention period that brokers are required to keep records? A . - The general rule is that brokers are required to keep records for a three-year period. However, pursuant to Business and Professions Code 10229(e)(1), the investor qualification statement required on a multi-lender loan has a four-year retention period requirement. Also, self-dealing statements, pursuant to Business and Professions Code 10231.2(b), must be retained for four years by the broker. Real estate brokers are not only affected by laws and regulations enforced by the Department of Real Estate, but also many others at both the state and federal level. The foregoing questions and answers are based on the California Business and Professions Code and the Regulations of the Real Estate Commissioner. Real estate brokers should be familiar with the other laws affecting their business. In this regard, they may receive assistance from other enforcement agencies, private legal advisors, and/or professional trade organizations. Office Locations Department of Real Estate Sacramento District Office 2201 Broadway P.O. Box 187000 (mailing address) Sacramento, CA 95818-7000 (916) 227-0770 (Mortgage Loan Section) Fresno District Office 2550 Mariposa Mall, Suite 3070 Fresno, CA 93721-2273 (559) 445-5009 Los Angeles District Office 320 W. 4th Street, Suite 350 Los Angeles, CA 90013-1105 (213) 620-2072 Oakland District Office 1515 Clay Street, Suite 702 Oakland, CA 94612-1462 (510) 622-2552 San Diego District Office 1350 Front Street, Suite 3064 San Diego, CA 92101-3687 (619) 525-4192 Department of Corporations: Sacramento 1515 K Street, Suite 200 Sacramento, CA 95817 (866) ASK-CORP - (866) 275-2677 US Department of Housing and Urban Development (HUD) Regional Office: San Francisco P.O. Box 36003 450 Golden Gate Avenue San Francisco, CA 94102-3448 (415) 436-6550 Federal Trade Commission (FTC) Regional Offices: San Francisco 901 Market Street, #570 San Francisco, CA 94103 (415) 356-5270 Los Angeles 10877 Wilshire Blvd., #700 Los Angeles, CA 90024 (310) 824-4343 Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Tuesday, August 31, 2004