House Rent

Renting - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Renting Information by State Esta página en español Print version Email this to a friend Talk to a Housing Counselor HUD funds housing counseling agencies throughout the country that can give you advice on renting. Find the address of a housing counseling agency closest to you or call toll-free 1-888-466-3487 Looking for an apartment or house to rent? It can be both exciting - and frustrating. Read these tips before you begin. And happy hunting! Step 1: Know Your Rights and Responsibilities When you live in an apartment, you have both rights and responsibilities. Know what's expected of you - and what you can expect in return. Fair housing rights Ten tips every tenant should know Rights of tenants displaced by government-funded projects Rights and responsibilities of tenants in federal assisted apartments Security deposits Landlord and tenant law Other legal information for landlords and tenants Step 2: Figure Out How Much You Can Afford Some experts recommend that you budget 25-30% of your income for housing. Here's more information about budgeting for your rent: Budgeting for your first apartment How much rent is too much rent? Buy vs. rent Think you can't afford to buy a home? You might be surprised. Did You Know? You can apply at more than one public housing agency . Each housing agency has its own system for applications. Sometimes there are long waiting lists. If you're willing to move, you might find a housing agency that can offer you housing right away. So check around. Find out how your rent is determined by public housing agencies.. Step 3: Take Advantage of Special Services and Programs to Help You Need financial help? HUD and other agencies fund programs that may help you rent a home. Low-rent housing : the government provides funds directly to apartment owners, who lower the rents they charge low-income tenants. You can find low-rent housing for senior citizens and people with disabilities, as well as for families and individuals. To be eligible, you can earn no more than the income limit . To apply: Visit the management office for the apartment(s) that interest you. Public Housing is apartments for low-income people, operated by local housing agencies. To be eligible, you can earn no more than the income limit . To apply: Contact a public housing agency . Housing Choice Vouchers (formerly called "Section 8") let you find your own place to rent, using the voucher to pay for all or part of the rent To be eligible, you can earn no more than the income limit . To apply: Contact your housing authority Local rental programs - Your state and local governments may use HUD funds to create local rental programs. You can contact your state and local governments to find out. These rental programs may have different income limits, so be sure to ask. State and local government websites Rural Rental Assistance Programs : The Department of Agriculture has rental assistance programs, home improvement and repair loans and grants, and self-help housing loans for low income individuals and families in rural communities. To apply: Visit the Rural Housing Service website or contact your local Rural Development office (check the Federal Government section of your telephone book). Programs and Services in Federal Rental Housing : Many of the apartments that are aided by federal funding offer additional services for residents. Neighborhood networks trains residents in computer and job-seeking skills Step Up is a construction apprenticeship program for public housing residents and other people with low incomes Step 4: Figure Out What You Need Think through what you need in an apartment BEFORE you begin shopping. How many bedrooms and bathrooms do you need? Do you need to be close to schools? Do you need parking? Do you need to be close to public transportation? Where is the grocery store? Make a list before you begin...that will help you narrow down your search. Step 5: Go Shopping Shop for an apartment or house to rent just like you shop for anything else. Look around. Compare features. Get the best deal for you. Checklist to help you compare each unit Accessible apartment clearinghouse Visit your favorite search site and search on "apartments for rent" - you'll find many websites that will help you find apartments in your area Step 6: Get Ready to Move OK - you've found your place. You've signed your lease. You're ready to move in. Here are a few more resources and suggestions you might consider. Renter's insurance can help you protect your belongings Moving guide 10 things to pack last Content updated October 17, 2005 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Land Loans Lending Area

Real Estate Loan main page Home | Search | Sitemap | Contact Us | Your Privacy | Reorder Checks Credit Cards | Account Aggregation | Mortgages | Buy Stocks | Online Banking About Us Join Us Save with Us Borrow from Us Invest/Insure with Us Your Rates Your Tools Your Business Borrow from Us Auto Loans Consumer Loans Credit Cards Real Estate Loans Apply now Rates 80/10/10 Mortgages Adjustable Rate Mortgages Construction Mortgages Fixed Rate Mortgages Flexible Mortgages Home Equity Line Of Credit Land Loans Lending Area Refinancing Zero Down Mortgages Payment Protection Whether you are buying a new home or you've decided to remodel, as a member of Redstone Federal Credit Union, you have access to many different low annual percentage rate loans and refinancing options. At RFCU, we provide you with the financial resources you'll need and the personal service you've come to expect. Take a look and please feel free to contact our Real Estate Department for more information. We'll be happy to help you decide what type of loan will work best for your particular needs. Real Estate Lending Area Click here to locate the geographic area that our real estate lending area covers. 80/10/10 Mortgages A great way to finance your new real estate purchase and have cash on hand to make improvements, renovations, or add that personal touch. Learn more.. Adjustable Rate Mortgages With our Adjustable Rate Mortgages, you can reap the benefits of our low interest rates. Learn more... Apply Now Construction Mortgages Ready to build on your dream property? Here's the best way to make it happen. Learn more... Fixed Rate Mortgages Sometimes change is good. When interest rates go up, well, let's just say you'll wish you had a Fixed Rate Mortgage with RFCU. Learn more... Apply Now Flexible Mortgages When a low down payment is what you need, we offer two types of Flexible Mortgages. Learn more... Home Equity Line Of Credit (HELOC) Hey, it's your money, put it to good use with a HELOC. Learn more... Land Loans It's a buyers market and we provide you with options of how to acquire the perfect land to call your very own. Learn more... Refinancing Are rates lower today than when you first purchased? If so, you may consider refinancing. Learn more... Apply Now Zero Down Payment Mortgages Need your cash for something other than a down payment? With our Zero Down Payment Mortgage, it's possible! Learn more..

Real Estate Agent Webpages

Real Estate for sale Real Estate Agents Realtors and Real Estate Agency Real Estate Website Directory [ Real Estate Agent Webpages ][ Home ] [ Add a Website ] [ Modify a Website ] [ New ] [ Top Rated Websites ] [ Email Updates ] [ Search ][ Detailed Pages ] Advanced search MAIN MENU TOP 100 WEBSITES HOMES FOR SALE FOR REALTORS ADD YOUR WEBSITE JOIN THE TOP 100 LIST POST YOUR LISTINGS OTHER LINKS MORTGAGES AND LOANS INSURANCE FORECLOSURES CONTACT SUPPORT ADVERTISING Chose a State Top Real Estate Agents websites in the United States. This directory of real estate agents and real estate brokers will help you find the right real estate agent for selling or buying your next home. You will also find real estate appraisal companies, mortgage brokers and lenders, real estate listings, and commercial real estate Alabama (25) Alaska (4) Arizona (122) new Arkansas (24) California (371) Canada (88) Colorado (88) Connecticut (33) Deleware (7) Florida (380) new Georgia (84) new Hawaii (22) Idaho (16) Illinois (91) new Indiana (22) Iowa (16) Kansas (11) Kentucky (19) Louisiana (17) Maine (16) Maryland (43) Massachusetts (75) Michigan (54) Minnesota (26) Mississippi (6) Missouri (36) Montana (29) Nebraska (7) Nevada (66) NewHampshire (49) NewJersey (56) new NewMexico (20) NewYork (94) new NorthCarolina (95) NorthDakota (2) Ohio (44) Oklahoma (37) Oregon (56) Pennsylvania (50) PuertoRico (5) RhodeIsland (12) SouthCarolina (68) SouthDakota (5) Tennessee (43) Texas (143) Utah (33) Vermont (4) VirginIslands (0) Virginia (78) Washington (65) WestVirginia (27) Wisconsin (43) Wyoming (13) There are 2848 links for you to choose from! [ Add a Website ] [ Modify a Website ] [ New ] [ Top Rated ] [ Email Updates ] [ Search ] Advanced search REAL ESTATE AGENCY LINKS REAL ESTATE NEWS CLICK HERE FOR REAL ESTATE NEWS MORTGAGE NEWS CLICK HERE FOR MORTGAGE NEWS MORTGAGE CALCULATOR Loan Amount Interest Rate (%) Term(Years) Starting: Mo.= January February March April May June July August September October November December Year= Amortization table No Yes Monthly Principal Prepayment Amount Annual Principal Prepayment Amount (Enter B here for Bi-weekly Loans) One-Time Prepayment Amount, to be paid before payment (month #) -- Powered by RealEstateAgencies.net

Selling Home

MSN Money - 6 reasons your home isn't selling MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend Tap your home for extra cash Mortgage rates in your area Your credit score in seconds Home mortgage FAQs Find It! Article Index Finance Q&A Tools Index Site Map Recent articles by Bankrate.com: • Will I lose my frequent-flier miles? , 10/6/2005 • Should you insure your airline tickets? , 9/26/2005 • 10 after-the-disaster do's and don'ts , 9/21/2005 More... Related Articles Speed your home sale with these fast fix-ups The hidden financial truth about remodeling Smart -- and stupid -- ways to pay for your remodel The Basics 6 reasons your home isn't selling advertisement So, you're in agony because your home has languished on the market week after week. Here are some culprits that may be keeping buyers away in droves. By Bankrate.com Has your lawn grown up around that "For Sale" sign? Have the wasps moved into the lock box on your front door? Did you just receive an invitation to your real estate agent's retirement party? If so, chances are your home sale fizzled. Here are the six most-common reasons why homes don't sell and what you can do about it. Your home is overpriced Optimistic home sellers love to parrot the old adage, "There's a buyer for every home." But they often leave off the qualifier: "at the buyer's price." Find a loan that's right for you at the Loan Center The fact is that buyers, not sellers, ultimately determine the market value of a home. You can ask for the moon and set your listing price well above comparable properties in your neighborhood, but at some point it will be up to you, the seller, to accept what the buyer thinks your home is worth. Overpricing is the most common reason homes don't sell. When you ask an unrealistic price, it sets in motion a process that often works against you. Here's why: Most real estate agents, and hence most qualified buyers, will see your new listing within 30 days. If it is overpriced by as little as 5%, it will be duly noted and interest in your property will wane, especially if you show no intention of coming off your asking price. You likely already priced out buyers who might have qualified for financing at a more reasonable price. Even if you manage to find a buyer at your inflated asking price, the property may not appraise at that figure and the financing will fall apart. Your real estate agent may have approved or even suggested the inflated asking price to secure your listing. Conversely, other agents often use overpriced properties like yours to help sell their own listings. ("Here's what they are asking. Now would you like to take a second look at that first house I showed you?") "If you have a house that really should be priced at $200,000 and you've got it listed at $260,000, you are trying to compete against homes that really are worth close to $300,000 and all of a sudden your home really is not competing well," says Jeri Fisher of Jeri Fisher Real Estate in Missoula, Mont. "You want to compete with what is available out there among homes similar to yours." If your home remains on the market for too long, agents and buyers may begin to wonder if there are other, perhaps more serious reasons why it isn't selling. "It becomes shopworn, the same as a jacket hanging in the store week after week," says Fisher. "People are aware that it has been on the market a long time and agents stop showing it." Your home doesn't 'show' well Your home is competing against shiny new houses in those pristine subdivisions out in the suburbs with their attractive prices, incentives and community amenities. Face it: Even the best old house needs a little makeover if it hopes to attract a qualified buyer. The good news is most of the work will be cosmetic and relatively inexpensive: a new coat of paint, a few attractive window boxes, a thorough cleaning of floors and carpets. Voila! The place may look good enough to reconsider. A good real estate agent can advise you on where your time and money are best spent. "Price and condition are two things that the seller can do something about," says Fisher. "I always give people my 'honey-do' list. I think paint is probably a seller's best friend because it makes things smell fresh and look fresh. If it's time to paint, it's time to paint. It's the best return on investment." You're in a bad location Nothing has a greater effect on your home's value than its location. Your humble abode might be worth a king's ransom were it located in Palm Beach, Aspen or San Francisco. It might even jump thousands in value just two streets over in the next (and far superior) school district. "If you're in one of the higher-ranked schools around here, you're going to add $50,000 to $100,000 to the price of the same house," says Lenn Harley, a broker with Homefinders.com Inc. in Maryland and Virginia. The point is, location rules in real estate. If your home's location is less than desirable, your options are somewhat limited. A good real estate agent will do his best to help you accentuate the positive and eliminate the negative of your circumstances, say by using foliage to screen off offensive adjoining properties or dampen traffic noise. The best way to compensate for a poor location is to reduce your asking price or offer attractive incentives such as seller financing or a lease option with rent credit. You have a lousy listing agent Yep, they exist: Real estate agents who mislead, misfire and misbehave. Their bad advice can cost you plenty in time, money and the sheer hassle of keeping the place show-ready 24/7. The agent from hell will allow you to overprice your home ("Here's what I can get for you if you list with me!"), not market it properly, fail to screen for qualified buyers, be unresponsive to interest from other agents (if they sell their own listing, they don't have to split the commission) and keep you totally in the dark throughout the process. What's more, if your agent is abrasive, arrogant or otherwise difficult to work with, other agents may not want the hassle of showing any of their listings to prospective buyers. You are battling competition or market conditions We've all heard the terms "buyer's market" and "seller's market." In real estate, market conditions are affected by any number of external forces, some of them predictable (the weather, sort of), some of them unpredictable (the local economy, interest rates, public optimism or pessimism). In a "hot" or seller's market, homes go fast. Inventory (homes on the market) may be low, meaning less competition for you. Chances are better that you will get your asking price in a hot market; in fact, it is not uncommon to even be offered more than your listing price. But in a "flat," "cold" or buyer's market, sales slow to a trickle, inventories grow and buyers can find bargains, especially when they know the seller is motivated (i.e., paying on two mortgages). If you're trying to sell in a flat market, you're not only competing against all that vacant new construction, but against rentals as well. In this case, be prepared to settle for less than top dollar, or wait to sell until the pendulum swings once again in your favor. You have ineffective marketing Gone are the days when an agent could simply place your listing with the local multiple listing service, hold a halfhearted open house and wait for another agent to bring forth a buyer. Today's top performers launch a multilevel marketing plan that includes listing tours for area agents, newspaper and even TV ads, weekend open houses, listing fliers and placements in local real estate publications. Computers and the Internet also have changed the face of real estate. According to the National Association of Realtors, today more than one-third of all home buyers use the Internet for house hunting. The best real estate agents are computer-savvy. They have your listing in color on their laptops to show clients and communicate frequently via e-mail, a particular boon when working with out-of-town buyers. Suffice it to say that if your real estate agent isn't listing your home online through the company Web site as well as with the local MLS, you may not be getting the exposure necessary to find a buyer. "There are those who just put the listing in the multiple and pray it will sell and those that put a lot of effort into marketing their listings," says Fisher. "Unfortunately, with this weird system of compensation we have, they all get paid the same, whether they know nothing or have many years of experience." 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property listing in your

Reals.com - A Comprehensive Directory of Real Estate Properties Listings by state The #1 Real Estate Directory Offers links and information to real estate related sites. Submit a Site | Contacts Foreclosure Real Estate • Real Estate Classifieds • Realtor® Supply Store • Real Estate Articles • Top 100 Search Listing Find real estate and property listing in your area. Select a State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Features · Real Estate Classifieds · Business Opportunity · Commercial Real Estate · Comparable Sales · Condominium · Directories and Guides · For Sale By Owner · Foreclosure Real Estate · Free Property Listing · Golf Property · Lands and Ranch · Luxury Homes · New Homes · Resort and Lodging Find Local Services Real Estate Foreclosures Get instant access to the most accurate national database of bank and foreclosed properties. Shop Online The Largest Selection of Real Estate Marketing Tools, Supplies, and Services Traffic Package Market your real estate web site throughout the web and get MAXIMUM exposure Submit a Site | Company Info | Site Index | Contact Us | Link to Us Terms of Use and Privacy Policy Information contained herein is deemed accurate and correct, but no warranty is implied or given. © Reals.com 2004. All rights reserved.