Real Estate Broker License

Real Estate Licensing Real Estate Licensing Home / Licensing /Real Estate Licensing HOW TO OBTAIN A UTAH REAL ESTATE LICENSE A real estate license is required of any person who, for another and forvaluable consideration, negotiates or consummates the sale, lease, exchangeor purchase of real estate. The Utah Real Estate Commission determines the qualifications and therequirements of all applicants for a Utah real estate license. Each applicantis required to provide evidence of honesty, integrity, truthfulness, reputationand competency. Each applicant must pass an examination covering the fundamentalsof the English language, arithmetic, bookkeeping, real estate principalsand practices, the Rules established by the Real Estate Commission and anyother aspect of Utah Real Estate License Law considered appropriate. Please take time to go over the screening questionnaire. Your responses tothese questions could have an impact upon whether or not you are able toobtain a Utah Real Estate license. Additional information and requirements are outlined throughout the followingpages. Screening Questionnaire Sales Agent License Associate Broker License Principal Broker License Opening Own Business Property Management License Branch Offices Non-Resident License ApplicantsLicensed in Other States Reciprocity (between Utah and: Wyoming, Colorado, Idaho, Montana, and Alberta, Canada) Examination Procedure ChangeCard SCREENING QUESTIONNAIRE 1. Do you now hold or have you ever held a real estate license in a state otherthan the state of Utah or in another country? 2. Have you ever had a license to practice in the real estate profession,or any other profession or occupation, denied, restricted, suspended, orrevoked? 3. Have you ever been permitted to resign or surrender your real estate licenseor any other professional license,or have you ever allowed a license to expire while you wereunder investigation, or while action was pending against you by any realestate licensing or other agency? 4. Is any disciplinary action now pending against you by any real estatelicensing or other agency? 5. Are you CURRENTLY under investigation for, or charged with, or have you everbeen convicted of, or pled guilty or no contest to, a felonyor misdemeanor? (If you have had only one misdemeanor conviction or plea and thecase was closed over five years ago, you do not have to answer yes. Caution: DUI's and other alcohol-related traffic offenses may bemisdemeanors. Non-alcohol-related traffic offenses do not need to bedisclosed.) 6. Have you been placed on probation or ordered to pay a fine in connection withany criminal offenseor a licensing action? If you answer YES to this question you will beasked at the time of application for licensure to provide proof of completion ofyour probation and payment of all fines. 7. Have you been ordered to pay restitution in connection with any criminaloffense or licensing action? If you answer YES to this question you willbe asked at the time of application for licensure to provide proof that you havefully complied with the restitution order. 8. Have you had a civil judgment entered against you based on fraud,misrepresentation, or deceit? If you answer YES to this question you will be asked at the time of application for licensure to provide proof that the judgment has been fully satisfied. 9. Are you under 18 years of age? WARNING: IF YOU PASS THE EXAMINATION, YOUR FINGERPRINTS WILL BE TAKEN ANDSUBMITTED FOR A CRIMINAL BACKGROUND CHECK. FAILURE TO ACCURATELY DISCLOSEYOUR CRIMINAL HISTORY WILL RESULT IN IMMEDIATE AND AUTOMATIC REVOCATION OF YOURLICENSE. SALES AGENT LICENSE License Requirements - The applicant for a sales agent license must be at least 18 years ofage. Education Requirements - An applicant for a sales agent license must complete an approved educationalprogram of 90 classroom hours. The subject matter of the course will consistof Real Estate Principals and Practices and Utah Real Estate License Law. All courses must be completed at a Division approved real estateschool . Membership in the Utah State Bar will satisfy this education requirement. Experience will not satisfy the education requirement. Licensing Procedure - Within 90 days after the successful completion of the examination, theapplicant must return the following to the Division: Score Report/License Application - The applicant will provide a score report/license application receivedfrom Promissor ( the professional testing service) which indicates that both the nationaland state portions of the examination have been passed. The passing score report/license application must besigned by the principal broker with whom the applicant will be affiliating.No such signature is required of the applicant who desires inactive status. Education Documentation - The applicant will provide documentation of the successfulcompletion of 90 hours of classroom education taken within the previous year.Documentation will consist of the signed and stamped education certificatelocated in the examination Candidate Handbook, and/or an education waiverissued by the Division. Fees - The fee will include the license fee, the fee for the Recovery Fund, and the fingerprint processing fee. Currently, this totals $151.00. ASSOCIATE BROKER and/or PRINCIPAL BROKER LICENSE License Requirements - The applicant for an associate broker/principal broker license must beat least 18 years of age. The applicant must have a minimum of three years real estate experience and a total of at least 60 points accumulated within the five years prior to licensing. A minimum of two years (24 months) and at least 45 points will be accumulated from Tables I and/or II. The remaining 15 points may be accumulated from tables I, II, or III. The Principal Broker may accumulate additional experience points by having participated in real estate related activities as outlined in Experience Points Table III. Education Requirements - An applicant for an associate broker or principal broker license mustcomplete an approved educational program of 120 hours. The subject matterof the course will consist of 12 classroom hours in Brokerage Management, 24 classroom hours in Advanced Appraisal,24 classroom hours in AdvancedFinance, 24 classroom hours in Property Management, 24 classroom hours in Advanced Real Estate Law, and 12 hours in Utah License Law. All courses mustbe completed at a Division approved real estateschool . The Division may waive all or part of the education requirement by virtueof equivalent education. Education waivers may be granted only by the Division.To obtain an education waiver, the applicant must provide to the Divisionvalid documentation of his/her equivalent education. Experience will not satisfy the education requirement. Licensing Procedure - Please refer to the following information and forms (Broker Application Packet) Application for a Broker License Procedures Checklist Requirements for Obtaining a Real Estate Broker License Experience Points Tables (Rule 162-2.2.5) Documentation of Full Time Experience Real Estate Sales/Leasing Transaction Log Real Estate Property Management Transaction Log Brokerage Verification Form OPENING OWN BUSINESS If the applicant wishes to open his/her own business, the following isalso required: Business Name Approval - The principal broker applicant must submit evidence that the name underwhich he/she will be doing business has been registered and is approved bythe Division of Corporations, Utah Department of Commerce. The Division ofReal Estate will not accept a proposed company name that may mislead thepublic into thinking they are not dealing with a real estate brokerage orproperty management company. Company Registration - The principal broker applicant must submit a Company Application on theform required by the Division. Evidence of Trust Account - The principal broker applicant shall submit documentation from a financialinstitution that is less than 30 days old verifying the applicant's trustaccount. Change Cards - A Change Card must be submitted for each agent who will be affiliatingwith the principal broker. Fees - Appropriate fees for company registration mustbe submitted. Currently this fee is $25.00. PROPERTY MANAGEMENT LICENSE License Requirement - All persons who, for another and for valuable consideration, engage inproperty management must hold a current Utah real estate license to functionas a property manager. Property management is defined as providing the followingservices which may include, but are not limited to: Advertising real estate for lease or rent. Procuring prospective tenants or lessees. Negotiating lease or rental terms. Executing lease or rental agreements. This requirement does not apply to: An owner who manages his/her own property. A regular salaried employee of the owner of real estate who manages property owned by the employer. Apartment managers who manage the apartments at which they reside in exchange for free or reduced rent on their apartments. A full time salaried employee of a homeowners association who manages units subject to the declaration of condominium, which established the homeowners association. Individuals who, as employees of a licensed property management company, provide prospective tenants with access to vacant apartments, provide secretarial, bookkeeping, maintenance or rent-collecting services, quote predetermined rent and lease terms, and fill out preprinted lease or rental agreements, the terms of which are not negotiable by the person completing the form. Broker Supervision - All property management conducted by a sales agent or associate brokermust be supervised by the principal broker with whom the licensee isaffiliated. S EPARATE PROPERTY MANAGEMENT COMPANY A principal broker may be granted a license to operate a property managementcompany separate from an existing real estate brokerage upon compliance withthe following conditions: Application - The principal broker, as a single proprietor or a company, must obtainan additional broker's license by submitting an application on the form requiredby the Division together with the license fee plus the fee for the RecoveryFund. Business Name Approval - The applicant must submit evidence that the name of the new company hasbeen registered and is approved by the Division of Corporations, Utah Departmentof Commerce. The Division of Real Estate will not accept a proposed companyname that may mislead the public into thinking they are not dealing witha real estate brokerage or property management company. Company Registration - The principal broker applicant must submit a Company Application on theform required by the Division. Evidence of Trust Account - The principal broker applicant shall submit documentation from a financialinstitution that is less than 30 days old verifying the applicant's trustaccount. Affiliated Licensees - The principal broker must designate with which company each of the licenseesaffiliated with him/her will be located - either the real estate brokerageor the property management company. Property Management Company Only - No Brokerage - If a principal broker (an individual or company) wants to operate a propertymanagement company only AND does not operate a real estate brokerage, theprincipal broker may do so by the same procedure as for opening a real estatebrokerage. Fees - Appropriate fees for company registration mustbe submitted. Currently this fee is $25.00. BRANCH OFFICES A branch office is a real estate office affiliated with and operating underthe same name as a principal brokerage but located at a different address.A branch office must be registered with the Division of Real Estate priorto operation. Application - To register a branch office, the principal broker must submit to the Division,on the forms required by the Division, the location of the branch, the nameof the branch manager and the names of all associate brokers and sales agentsassigned to the branch. He/she must also submit trust account documentationthat is less than thirty days old of a valid trust account. This accountcan be the same trust account used by the main office. Branch Manager - Each branch office must have an associate broker as a branch manager whowill actively manage the office. Fees - Appropriate fees for company registration mustbe submitted. Currently this fee is $25.00. NON-RESIDENT LICENSE A person who is actively licensed and in good standing in anotherstate as a real estate principal broker, associate broker or sales agentmay be issued an equivalent license in Utah by successfully completing specificeducation hours required by the Division with the concurrence of the Commission,and by passing the state and, in some cases, the general portion of the Utahreal estate licensing examination. The general portion of the exam may notbe waived for licensees from California due to the way California administerstheir exam. If the license in another state is expired, the applicant will be required to comply with all of Utah'sprelicensing requirements. Education and examination waivers will not beprovided if the license has expired. The applicant must also comply with each of the following requirements: Application - The applicant must submit an application for examination and license inaccordance with the requirements of the state of Utah. License History - Proof of licensure and disciplinary action, if any, (a "history letter")from each state in which the applicant has been licensed. Education Documentation - A waiver toward the Utah education requirement may be granted for educationtaken in another state. The applicant must provide to the Division validdocumentation of any certified real estate education taken in another statethat correlates with the education requirement of the state of Utah. Validdocumentation shall show proof of completion of the subject matter, the dateof completion and the number of classroom hours of each course taken. The application will be required to take a minimum of 12 classroom hoursin Utah License Law and may be required to take additional real estate educationhours. The applicant will be notified by the Division of his/her specificeducation requirements in the form of a "waiver letter." WAIVER LETTER - Upon receipt of the "license history" and the documentation of previouslycompleted real estate education, the Division will determine how many hours,if any, of Utah's education requirement may be waived and how many hoursthe applicant will still be required to complete before he/she will be allowedto sit for the examination. The licensee will be notified of his/her educationrequirements in the form of a "waiver letter." If applicable, the "waiverletter" will also indicate whether the general (national) portion of thelicensing examination will be waived. The "waiver letter" must be presented: to the school to show the number of education hours required of the candidate, at the time of the examination, and at the time of application for licensure. EXAMINATION - If the applicant has been actively licensed in another state for the precedingtwo years, he/she will be required to take only the Utah state portion ofthe examination. If the applicant has been on an inactive status in anotherstate for any portion of the past two years, he/she will be required to takeboth the national and Utah state portions of the examination. The general portion of the exam may not be waived for licensees from California due to the way California administers their exam. TRUST ACCOUNT - If the applicant is a principal broker, he/she must establish a real estatetrust account in this state. CONSENT TO SERVICE - Upon applying for licensure, the applicant must submit to the Divisionan irrevocable written consent allowing service of process on the Commissionor the Division. PRINCIPAL BROKER AFFILIATION - If the applicant is an associate broker or sales agent, the principalbroker with whom he/she is affiliated must hold an active Utah license. APPLICANTS LICENSED IN OTHER STATES A person who is licensed in another state as a real estate principalbroker, associate broker or sales agent may become licensed in Utah by successfully completing specific education hours requiredby the Division with the concurrence of the Commission, and by passing thestate and, in some cases, the general portion of the Utah real estate licensingexamination. The general portion of the exam may not be waived forlicensees from California due to the way California administers their exam. If the license in another state is expired, the applicant will be required to comply with all of Utah'sprelicensing requirements. Education and examination waivers will not beprovided. The applicant must also comply with each of the following requirements: Application - The applicant must submit an application for examination and license inaccordance with the requirements of the state of Utah. License History - The applicant must be or have been licensed as a principal broker, associatebroker or sales agent in another state. Proof of licensure (a "history letter")from the regulatory agency of each state of previous licensure must be providedto the Division of Real Estate. Education Documentation - A waiver toward the Utah education requirement may be granted for educationtaken in another state. The applicant must provide to the Division validdocumentation of any certified real estate education taken in another statethat correlates with the education requirement of the state of Utah. Validdocumentation shall show proof of completion of the subject matter, the dateof completion and the number of classroom hours of each course taken. The applicant will be required to take a minimum of 12 classroom hours inUtah License Law, and may be required to take additional real estate educationhours. The applicant will be notified by the Division of his/her specificeducation requirements in the form of a "waiver letter." WAIVER LETTER - Upon receipt of the "license history" and the documentation of previouslycompleted real estate education, the Division will determine how many hours,if any, of Utah's education requirement may be waived and how many hoursthe applicant will still be required to complete before he/she will be allowedto sit for the examination. The licensee will be notified of his/her educationrequirements in the form of a "waiver letter." If applicable, the "waiverletter" will also indicate whether the general (national) portion of thelicensing examination will be waived. The general portion of the exam may not be waived forlicensees from California due to the way California administers their exam. The "waiver letter" must be presented: to the school to show the number of education hours required of the candidate, at the time of the examination, and at the time of application for licensure. EXAMINATION - If the applicant has been actively licensed in another state for the precedingtwo years, he/she will be required to take only the Utah state portion ofthe examination. If the applicant has been on an inactive status in anotherstate for any portion of the past two years, he/she will be required to takeboth the national and Utah state portions of the examination. The general portion of the exam may not be waived for licensees from California due to the way California administers their exam. RECIPROCITY The State of Utah currently has signed reciprocity agreements with Wyoming, Colorado, Idaho, Montana, and Alberta, Canada. To apply for reciprocity, send us a written request for licensing through reciprocity, including what states you currently have and previously have had a license in, as well as your contact information. Have the state(s) send a certified license history to us (see contact information ). The reciprocal state MUST show that your license is on an active status. Once we receive your written request and the certified license history/histories, we will generate an application form for you. We will also send you: a questionnaire, the Consent To Service form and acknowledgement, which must be signed and notarized; 2 fingerprint cards; and the fingerprint waiver form (fingerprints required for sales agent applicants only - not for broker applicants). Fingerprints must be obtained by the applicant. The application and other relevant forms must be completed and submitted with the $100 licensing fee and $12 recovery fund fee for sales agents or $18 recovery fund fee for brokers (plus $39 fingerprint processing fee for sales agent applicants). If a broker applicant wishes to open his or her own company, additional paperwork and fees are required. See " Opening Own Business " information above. EXAMINATION PROCEDURE Education - Before an applicant will be allowed to sit for the examination, he/shemust have completely satisfied the appropriate educational requirement. Application - The candidate should obtain the Candidate Handbook from the pre-licensingschool. This handbook will outline the procedure for registering for andtaking the examination. Date/Location - The examination will be given twice daily (Tuesday thru Saturday) in theSalt Lake City area. The examination is also available at the testing centersin Provo, Ogden, Las Vegas, Nevada, and Grand Junction, Colorado. Waiver Letter - Any candidate who is granted a waiver of the general portion of theexamination must submit proof of such waiver from the Division at the timeof application. Questions - The test consists of 80 questions on the general portion of the examination,40 questions for sales agents and 50 questions for brokers on the state portionof the examination. Both the general and state portions of the examinationmust be passed within a six-month period of time. More Information - Please refer to the Candidate Handbook for complete details on takingthe examination. Special Services - The testing center complies with the provisions of the Americans withDisabilities Act (42 USCS Section 12101 et seq.). If the candidate has adisabling condition, he/she may request special testing services. The disabilitymust be verified by a professional who is qualified to diagnose and documentthe disability. Utah Department of Commerce Home | Utah Division of Real Estate Home | Contact the Division of Real Estate | Site Map | Links

land loans, commercial mortgage,

Union Home Loan, Inc. Lender details Union Home Loan, Inc. Lender details Banks Directory Lenders Directory Articles About Credit Cards Credit Basics and FAQs Credit Card Tips Glossary NCUA Credit Union Directory • 2005 Credit Union Directory • 2004 Credit Union Directory Household Finance • Consumer Credit Report Calculators • Loan Calculator • Extra Repayments Calculator • Lump Sum Payment Calculator • Rent Vs. Buy Calculator • Simple Loan Calculator Rules & Acts • Consumer Leasing Act • Credit Repair Organizations Act • Electronic Fund Transfer Act • Equal Credit Opportunity Act • Identity Theft Act Home » Lenders Directory » Union Home Loan, Inc. Lenders Directory Browse by Alphabets A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Union Home Loan, Inc. offers home loans, commercial real estate loans, and asset-based loans using mortgage notes or trust deeds as collateral. Home Loans Overview: Union Home Loan, Inc. offers home loans and home equity loans, for purchase, refinance, debt consolidation, and home improvement. Property Uses: Primary Home, Secondary / Vacation Home, Investment Property Property Types: Single Family Home, Condominium / Town Home, Multifamily 2-4 Units, Rural property / Lot loan Loan Types: Fixed, No Income Documentation Loan Purpose: Purchase, Refinance, Home Equity / 2nd Trust Deed Credit Req: A - Excellent, B - Good, C - Minor Problems, D - Bad Min Loan: 250,000 Max Loan: 1,000,000 Commercial Loans Overview: Union Home Loan, Inc. offers commercial real estate loans to investors and owner-users for most commercial properties. Property Uses: Investment, Owner - User / Occupied 51% or more Property Types: Agricultural / Farm, Amusement Park, Apartment / Multifamily, Auto Dealership, Bowling Center, Business Condo, Car Wash, Casino, Child Care Center, Church / Temple, Convenience Store, Condominiums / PUD, Factory Outlet Center, Fitness Center, Funeral Home, Gas Station / CStore, Golf Course, Healthcare / Senior Housing, Hospital / Rehabilitation, Hotel / Motel, Industrial, Land, Marina, Office, Mixeduse, Mobile Home Park, Movie Theater, Parking Garage, Regional Mall, Resort, Restaurant, Retail (Anchored), Retail (Unanchored), School / College, Self Storage, Single Tenant, Special Purpose, Warehouse Loan Types: Mezzanine / 2nd Trust Deed, NonRecourse, Private / Hard money Loan Purpose: Purchase, Refinance, Bridge / Short Term Credit Req: A - Excellent, B - Good, C - Minor Problems, D - Bad Min Loan: 1,000,000 Max Loan: 5,000,000 Miscellaneous Loans Overview: Union Home Loan, Inc. offers asset-based collateral loans against mortgage notes and trust deeds for personal or business use. Collateral Offered: Mortgage Notes / Trust Deeds Credit Req: All Min Loan: 10,000 Max Loan: 500,000 Contact Information North America, United States, California Steve Goldfield President 23586 Calabasas Road Calabasas, CA 91302 USA (818) 223-0000 www.unionhomeloan.com Email: steve@unionhomeloan.com Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans North America, United States, California Residential Loans Customer Service 1-800-400-0011 www.unionhomeloan.com Email: info@unionhomeloan.com Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans North America, United States, California Miscellaneous Customer Service 818-223-0000 www.unionhomeloan.com Email: info@unionhomeloan.com Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans North America, United States, Nevada Available Loans: Home Loans, Commercial Loans, Miscellaneous Loans Union Home Loan, Inc. Union Home Loan, Inc. offers home loans, home equity loans, home improvement loans, refinancing, second mortgages, debt consolidation loans, bad credit loans, commercial real estate loans, and asset-based collateral loans. At Union Home Loan, Inc. we offer home loans, commercial real estate loans, and asset-based loans using mortgage notes or trust deeds as collateral. We arrange loans for commercial, land, mixed use, residential, apartment, industrial, casinos, hotels, and unusual properties. We are a direct lender as well as private money brokers. With Union Home Loan, Inc., it's easy to qualify on equity and a hard money loan for commercial, industrial, homes, land, and unusual properties. We do hard money loans, real estate financing, hard money commercial loans, land loans, commercial mortgage, hard money land loans, trust deed investments, private money, raw land loan, apartment loan, private investor, easy money, casino, mixed use loans, equity loan, union home loan, California mortgages, unusual properties, easy qualify, industrial, direct lender, bridge, swing loans, mortgage broker, foreclosure, and mixed use lenders. For hard money loans for commercial, industrial, homes, land, and unusual properties-bad credit is okay. With Union Home, you can be sure that you'll get your money fast, we also lend in Nevada. Copyroght 2005 - All Rights Reserved Home | Calculators | Articles | Lender Directory

Property Search

Pottawattamie County Assessor Pottawattamie County Assessor Steve Palm Governed By the Pottawattamie County Conference Board City Mayors County Supervisors AVOCA Marvin Piittmann CARTER LAKE Emil L. Hausner CARSON Lyndon K. Taylor COUNCIL BLUFFS Tom Hanafan CRESCENT Taurino Delgado HANCOCK Wayne Bivens MACEDONIA James Braden MCCLELLAND Emmett Dofner, Jr. MINDEN Richard Armstrong NEOLA Donald E. Fischer OAKLAND Gayle Perkins TREYNOR Charles Killion UNDERWOOD Craig A. Zenor WALNUT Elwyn Ferry Find Your Property Data (how to) Owner: Last name First name Address: Street Town Parcel#: Map No warranty, express or implied, is provided for the data herein or its use. How to always reach our web page. Find Residential Sales Find Commercial/Industrial DOVs Board of Review Levy Computation Iowa State Association of Assessors Pottawattamie County Assessor's Office 227 South 6th Street Council Bluffs, Iowa 51501 Phone: (712) 328-5617 On Line Since September 1997 What are the Assessor's Duties? Misconceptions About the Assessor's Work Information About the Assessor What is Market Value? How the Assessor Estimates Market Value Why Value Changes Tax Levies and Assessed Values Exemptions and Credits Dates to Remember Things to Remember (Tax Example) Information About Property Taxation -- Melvyn Houser Delbert E. King Loren Knauss Lynn D. Leaders Betty J. Moats School Districts A-H-S-T COMMUNITY John Pattee COUNCIL BLUFFS Mark McGee GRISWOLD CSD Terry Whiley LEWIS CENTRAL Don Christensen MISSOURI VALLEY No Return RIVERSIDE Brad Cleaveland TREYNOR Doug Klahn TRI-CENTER James Fischer UNDERWOOD Julie Hanbury WALNUT Ellen Holtz

Colorado Real Estate

Denver Real Estate and Denver Homes For sale by PorchLight Real Estate Group - Search Denver MLS email password forgot password sign up Price range min max Rooms 0+ 1+ 2+ 3+ 4+ 5+ bed 0+ 1+ 2+ 3+ bath Select city All ARVADA AURORA BOULDER BRIGHTON BROOMFIELD CASTLE PINES CENTENNIAL CHERRY HILLS VILLAGE COMMERCE CITY DENVER EDGEWATER ENGLEWOOD EVERGREEN FEDERAL HEIGHTS FIRESTONE FREDERICK GLENDALE GOLDEN GREENWOOD VILLAGE HENDERSON HIGHLANDS RANCH LAFAYETTE LAKEWOOD LITTLETON LOUISVILLE MORRISON NORTHGLENN PARKER SHERIDAN SUPERIOR THORNTON WESTMINSTER WHEAT RIDGE hold ctrl key for multiple selections email me listings that match this search Advanced search Your Guide to Denver Real Estate! PorchLight Real Estate Group has the most stellar real estate professionals in Denver! Our website is full service and user friendly for all of your Denver real estate needs! Whether you are relocating or just need information on the Denver real estate market this is the site for you! Find my New Denver Home (Fill out this form and we'll find your home) Denver Real Estate Buyers Guide (A handy guide to the home buying process) Denver Neighborhoods (Profiles of Denver Neighborhoods) Denver Relocation Guide (A Guide to Relocating in Denver) Sell my Denver Home (Fill out this form and we’ll contact you) Buyers can Tour Your Home (When buyers search, they will see a 360° tour of your home) Denver Home Sales Guide (A handy guide for preparing to sell) The PorchLight Difference (Here are a few reasons to choose PorchLight Real Estate Group) Would you like to receive an email every time a new listing comes on the market that fits the criteria of the home you are looking for? With our DENVER REAL ESTATE PROPERTY WATCH you can! Just sign up, enter your search criteria, and you will automatically be emailed the day new Denver homes are listed for you! PorchLight is the only Denver Real Estate Company to have comprehensive market statistics for over 52 Denver Neighborhoods ! For each neighborhood we have median & average home sale price, price per square foot, days on market, and the rate of increase in sale price back to 1996! If you would like statistical information on a particular neighborhood or just want to know how they stack up against each other, email us and we would be happy to share our Denver Real Estate market knowledge with you! Would you like in depth information on the different neighborhoods Denver has to offer? Browse Denver Neighborhoods and learn about the different areas of Denver. If you are looking for a specific amenity email us and we would be happy to tell you where you can find it! Our goal is to help you find the best home for you while giving you the information you need to make an educated decision! We serve the entire Denver real estate market and can assist you in finding the perfect homes for sale in Denver including the following neighborhoods: Belcaro , Bonnie Brae , Lowry , Cherry Creek / Polo Club , Capitol Hill , Cheesman Park , Congress Park , Denver Country Club , Highlands Sloan Lake , Hilltop /Crestmoor , Lower Downtown , Park Hill , Southern Hills , Stapleton , Washington Park , and many more... ...and, suburban Denver real estate in these areas: Arvada , Aurora , Bow Mar , Broomfield , Boulder , Cherry Hills Village , Englewood , Greenwood Village , Golden , Highlands Ranch , Ken Caryl Ranch , Lakewood , Littleton , Northglen , Parker , Thornton , Westminister , and many more... About PorchLight Group Real Estate/Our Agents Contact Us About Denver Colorado Denver Real Estate Market Statistics Find Denver Homes For Sale Search Denver MLS Denver Homes For Sale Buying Denver Real Estate Mortgage Calculator Denver Neighborhoods Sell my Denver Home Denver Home Sellers Guide Site Map [2] [3] [4] Links Resources Add URL Denver Neighborhoods Denver Relocation Services The PorchLight Difference Internet Marketing Print Marketing Denver Real Estate 201 Fillmore Street, Denver, CO 80206 303.733.5335 info@PorchLightGroup.com ©2004 PorchLight Real Estate Group. All Rights Reserved.

Home Loans Bring Would-Be

Home Loans - Forbes.com - New Home Loans U.S. | EUROPE | ASIA Jump Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special Reports Video & Audio Watchlist IT Research Library IT Product & Service Search Business -Manufacturing -Technology -Commerce -Services -Energy -Healthcare -Small Business Technology -E-Business -Enterprise Tech -Infoimaging -Personal Tech -Science & Medicine -Wireless Markets -Equities -Economy -Commodities -Bonds -Emerging Markets -Currencies Work -Careers -Compensation -Entrepreneurs -Management Lists -Companies --Forbes 500s --Forbes Global 500 --200 Best Small Cos. --400 Best Big Cos. --Largest Private Cos. -People --World's Richest People --100 Top Celebrities --400 Richest Americans --Best Paid CEOs -Places --Best Places Personal Finance -Estate Planning -Funds -Philanthropy -Retirement -Strategies -Taxes Lifestyle -Collecting -Health -Real Estate -Sport -Travel -Vehicles -Wine & Food Columnists Magazines -Forbes Magazine -Forbes Global -Forbes FYI -Forbes ASAP -Best of the Web -Archives -Subscriptions Tools About Us Contact Us Help Reprints/Permissions Sitemap Advertising Conferences Forbes Collection Forbes Mobile Special Advertising Search Quote HOME PAGE FOR THE WORLD'S BUSINESS LEADERS Home Special Advertising Section Tell Us About Your Property Loan Type * Refinance Purchase Home Debt Consolidation Home Equity Home Description * Single Family Multi Family Town House Condo Estimated Home Value * $ Select One 75,000 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Tell Us About Your Current Loan Your Mortgage Balance * $ Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Current Interest Rate * Select 3.00 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 5.50 5.75 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11+ % Existing Rate Type * Fixed Adjustable Fixed/Adj How Much Additional Cash do You Wish to Borrow? $ Tell Us about Your Home Purchase Is there a Specific Home You Want to Buy? * Yes No Purpose of Property * Primary Secondary Investment Vacation Property State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Down Payment * Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 Over 1,000,000 Rate Type * Fixed Adjustable Fixed/Adj Tell Us about Yourself Your Credit Profile * Excellent Good Fair Poor Annual Income Occupational Status Employed Self Employed Retired Unemployed Monthly Debt Payments Select 0-249 250-499 500-749 750-1,000 Over 1,000 Have You Declared Bankruptcy? No Not in the last 7 years 1-2 years 2-5 years Your Contact Information First Name * Last Name * Email * Street Address * City * State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip * Primary Phone * Secondary Phone Best Contact Time * Morning on Primary Morning on Secondary Afternoon on Primary Afternoon on Secondary Evening on Primary Evening on Secondary * REQUIRED FIELDS Service and Data Privacy provided by Secure Rights Note: Secure Rights is responsible for the collection and transfer of information on this page for the purpose of completing your request. By submitting your request you agree to be contacted in accordance with Secure Rights Privacy Policy . View Secure Rights licenses . Paid Advertisement Article Home Loans Bring Would-Be Homeowners Closer to their Goal If you’re looking to buy a house, it’s unlikely that, in today’s economy, you’ll be able to pay in full up front. That’s why home loans exist – to aid aspiring homeowners in acquiring and financing the homes they’ve dreamed of – without bankrupting them in the process. Home loans can be acquired through banks and home loan companies. Either route you take, you’re entitled to personal service by a representative who will review your finances, credit report, and help you decide which is the best home loan solution for your needs. In order to gather all the information they need, the bank or loan company will re-appraise the market value of your house to determine the proper loan amount. You will then work together to go over the different loan options available and determine which is best for your personal situation. Different Home Loans for Different Folks There are two main types of home loans , each with its own advantages. Fixed-rate loans divide the amount to be repaid over a set number of years. “Fixed rate” means that no matter how the interest rate fluctuates over the years, the amount of payment will remain the same. If the interest rate dips, your mortgage consultant will help you refinance to take advantage of the lower rate. In contrast, adjustable rate mortgages (ARMs) are dependent on the fluctuation of the interest rate over time. When the rate is low, payments are low, but when interest rates are high, the payment increases also. ARMs are slightly easier to qualify for than fixed-rate loans, but they also carry more risks. When you are choosing a home loans company, take into consideration the additional “home loan origination fee” (usually 1% of the total amount borrow, so if you borrow $100,000, the fee is $100), as well as closing, settlement and appraisal fees. Most companies will allow you to “roll” these fees into your home loan, an excellent option that allows you to pay them over time if you don’t have the funds to pay up front. When you’re ready to move forward with a home loan, or if you’d just like to start exploring your options, submit the form at the top of this page to acquire your own mortgage consultant to help you get started with the mortgage process and explain which home loans might be best for you. ^ Paid Advertisement Article ^ Ad Information        Forbes.com Wireless        Reprints / Permissions        Subscriber Services        ©2004 Forbes.com™      All Rights Reserved       Privacy Statement        Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.