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Freddie Mac's Weekly Primary Mortgage Market Survey Search In order to browse this site effectively, please enable Javascript in your browser. PMMS SM Resources Sign-up to participate in our weekly PMMS online survey! Syndicate PMMS data on your website. PMMS RSS Feed Historical PMMS Data Historical monthly PMMS data tables are available for each type of product in both HTML and Excel formats: 30-Year Fixed-Rate Historic Tables [ HTML ] [ Excel ] 15-Year Fixed-Rate Historic Tables [ HTML ] [ Excel ] 5-Year Adjustable-Rate Historic Tables [ HTML ] [ Excel ] 1-Year Adjustable-Rate Historic Tables [ HTML ] [ Excel ] Weekly Primary Mortgage Market Survey 2005 Weekly Mortgage Rates Data (Excel 5.0/Win95 workbook) Compilation of Weekly Survey Releases for 2005 December 29, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.22% 5.76% 5.79% 5.15% Fees & Points: 0.5 0.6 0.6 0.7 December 22, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.26% 5.79% 5.82% 5.22% Fees & Points: 0.6 0.6 0.7 0.7 December 15, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.30% 5.85% 5.77% 5.15% Fees & Points: 0.5 0.5 0.5 0.6 December 8, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.32% 5.87% 5.78% 5.16% Fees & Points: 0.6 0.6 0.7 0.8 December 1, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.26% 5.81% 5.76% 5.16% Fees & Points: 0.5 0.5 0.6 0.8 November 23, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.28% 5.81% 5.75% 5.14% Fees & Points: 0.6 0.6 0.8 0.7 November 17, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.37% 5.90% 5.86% 5.20% Fees & Points: 0.6 0.6 0.6 0.6 November 10, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.36% 5.89% 5.81% 5.12% Fees & Points: 0.5 0.6 0.6 0.6 November 3, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.31% 5.85% 5.76% 5.09% Fees & Points: 0.5 0.5 0.5 0.5 October 27, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.15% 5.69% 5.63% 4.91% Fees & Points: 0.5 0.5 0.6 0.7 October 20, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.10% 5.65% 5.59% 4.89% Fees & Points: 0.5 0.6 0.7 0.7 October 13, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.03% 5.62% 5.57% 4.85% Fees & Points: 0.6 0.6 0.7 0.6 October 6, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.98% 5.54% 5.48% 4.77% Fees & Points: 0.5 0.5 0.6 0.6 September 29, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.91% 5.48% 5.44% 4.68% Fees & Points: 0.5 0.5 0.5 0.6 September 22, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.80% 5.37% 5.31% 4.48% Fees & Points: 0.6 0.7 0.8 0.7 September 15, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.74% 5.32% 5.26% 4.46% Fees & Points: 0.6 0.6 0.6 0.6 September 8, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.71% 5.30% 5.24% 4.45% Fees & Points: 0.6 0.6 0.6 0.7 September 1, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.71% 5.32% 5.3% 4.48% Fees & Points: 0.6 0.5 0.6 0.7 August 25, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.77% 5.35% 5.30% 4.56% Fees & Points: 0.5 0.6 0.6 0.7 August 18, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.80% 5.40% 5.34% 4.58% Fees & Points: 0.5 0.5 0.6 0.7 August 11, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.89% 5.47% 5.40% 4.57% Fees & Points: 0.5 0.6 0.6 0.7 August 4, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.82% 5.38% 5.30% 4.47% Fees & Points: 0.6 0.6 0.7 0.7 July 28, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.77% 5.34% 5.27% 4.46% Fees & Points: 0.5 0.5 0.6 0.7 July 21, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.73% 5.32% 5.26% 4.42% Fees & Points: 0.4 0.4 0.5 0.6 July 14, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.66% 5.25% 5.15% 4.39% Fees & Points: 0.6 0.6 0.7 0.7 July 7, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.62% 5.20% 5.19% 4.33% Fees & Points: 0.6 0.7 0.7 0.7 June 30, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.53% 5.12% 5.06% 4.24% Fees & Points: 0.6 0.6 0.6 0.7 June 23, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.57% 5.16% 5.05% 4.23% Fees & Points: 0.6 0.6 0.6 0.7 June 16, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.63% 5.22% 5.10% 4.25% Fees & Points: 0.5 0.5 0.5 0.6 June 9, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.56% 5.14% 5.01% 4.21% Fees & Points: 0.6 0.5 0.5 0.6 June 2, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.62% 5.20% 5.10% 4.26% Fees & Points: 0.6 0.6 0.5 0.6 May 26, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.65% 5.21% 5.07% 4.21% Fees & Points: 0.6 0.6 0.7 0.7 May 19, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.71% 5.27% 5.07% 4.26% Fees & Points: 0.7 0.7 0.7 0.7 May 12, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.77% 5.33% 5.21% 4.23% Fees & Points: 0.5 0.6 0.6 0.6 May 5, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.75% 5.31% 5.16% 4.22% Fees & Points: 0.6 0.6 0.6 0.7 April 28, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.78% 5.33% 5.20% 4.21% Fees & Points: 0.6 0.6 0.5 0.6 April 21, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.80% 5.36% 5.22% 4.26% Fees & Points: 0.5 0.5 0.6 0.6 April 14, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.91% 5.46% 5.31% 4.30% Fees & Points: 0.7 0.7 0.7 0.6 April 7, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.93% 5.48% 5.33% 4.23% Fees & Points: 0.7 0.7 0.7 0.7 March 31, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.04% 5.58% 5.43% 4.33% Fees & Points: 0.7 0.7 0.7 0.8 March 24, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 6.01% 5.56% 5.35% 4.24% Fees & Points: 0.7 0.7 0.7 0.8 March 17, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.95% 5.47% 5.31% 4.20% Fees & Points: 0.7 0.7 0.7 0.8 March 10, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.85% 5.38% 5.22% 4.24% Fees & Points: 0.6 0.6 0.6 0.7 March 3, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.79% 5.33% 5.17% 4.14% Fees & Points: 0.7 0.6 0.7 0.8 February 24, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.69% 5.22% 5.05% 4.16% Fees & Points: 0.7 0.7 0.8 0.8 February 17, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.62% 5.14% 5.05% 4.15% Fees & Points: 0.7 0.7 0.7 0.8 February 10, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.57% 5.10% 4.99% 4.11% Fees & Points: 0.8 0.7 0.7 0.8 February 3, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.63% 5.14% 5.00% 4.23% Fees & Points: 0.7 0.7 0.6 0.7 January 27, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.66% 5.14% 5.02% 4.18% Fees & Points: 0.6 0.6 0.6 0.6 January 20, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.67% 5.15% 5.05% 4.11% Fees & Points: 0.7 0.7 0.6 0.7 January 13, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.74% 5.19% 5.05% 4.10% Fees & Points: 0.6 0.6 0.5 0.6 January 6, 2005 30-yr 15-yr 5/1-yr ARM 1-yr ARM Average Rates: 5.77% 5.21% 5.03% 4.10% Fees & Points: 0.7 0.6 0.5 0.7 © 2005 Freddie Mac Doing Business With Freddie Mac Single-Family Multifamily Debt Securities Mortgage Securities Vendors and Suppliers About Freddie Mac About Us Public Policy News and Information Investor Relations Careers Buying and Owning a Home Preparing for Homeownership All About Mortgages Purchasing a Home Owning and Keeping a Home 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Land Loan by Adam

Understanding the Land Loan How to Make Your Business Card Call for Action No matter how many wonderful services you offer, if your card brands you as unprofessional, you stand to loose potential customers. This article shows you how to make business cards that are not only informative but also effective. Click here for more... Pehrson Web | SheLovesGod | Books | Music | Romance Novels | Work@Home | Quality Cooking Tools | LocateACoach | MarniePehrson.com Gift the Gift of Romance this Christmas with a CleanRomanceClub Gift Certificate! Click here for details. Login - Signup - Contribute - Use Content - FAQ - Search - EzineBuilder - Advertise With Us New Articles - Publication Directory - About - Writers Update - Home - Connect Your Accounts Check Out These Great Articles! 51 Online Marketing Techniques To Improve Your Websites Success 6 Simple Ways to Determine Which Marketing Ideas Are Best for Your Business Accounting Police: Do They Exist? 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Submit Your Articles to Hundreds of Sites ! | Find Ezines to Promote In Search For Ebooks: For Press Release Promotion Visit Our Partners At Upcoming Events BizCoachingClub.com Sneak Peek Business 2006: Essential Technology/Systems/Tools Business 2006: Maximizing Customer Retention Create Lasting Success - Beyond Meeting the Bills Leaders - Moving you forward More Clients Than You Can Handle Moving Your Business Forward - Coaching Group Passive Revenue: Leverage Underutilized Resources Request Reprint Print About Author Email to a Friend Report Problem Related Books Understanding the Land Loan by Adam Smith Send Feedback to Adam Smith More Details about land loan here. Feature Articles How To Generate Massive Free Website Traffic... Finding Your Home Business Niche... How to KNOW if You'll Reach the Goal... Top 10 Tips To Selling Successfully on eBay... A Completely New Way To Get Rich Rapidly... Retirement Worries? Imagine Double Your Inves... Eight Mistakes to Avoid When Naming a New Bus... Are Your Internet Marketing Efforts Escaping ... Click here for more Subscribe for Free 1ChapterFree Business Channel Home Business Home/Family Channel Marketing Channel Personal Development Good News SheLovesGod Bible Study SheLovesGod Inspiration Tech Update ThoughtsAlive BelieversAtWork Writers Ezine Enter email: First name: In a real estate broker business, almost every thing revolves around land. Obviously it is hard to run a business centered around land without knowing where to acquire prime land and how to finance the land. Lets take some time to familiarize ourselves with some of the key terms that drive the real estate broker industry. A good broker business often times will acquire land through land auctions and then finance these acquisitions with a land loan or a land contract . To learn how this all fits together lets suppose you are interested in investing in some real estate and developing your own little broker business to generate some extra income. Before you can really do anything in your business, you must first acquire some real estate. Now you might sift through the local papers and real estate guides looking for that ideal piece that fits all your requirements. This method could take quite some time as it is hard to come by really good deals in this manner. On the other hand, perhaps a friend mentioned in passing how he built his first house on a piece of property he purchased at a land auction and got a great deal on. Your friend may be on to something here. Have you ever thought about checking out a land auction? If you have not been to a land auction now is the time to go check one out in your area. Thanks to the great format of auctions, the land you are bidding on will start at a relatively low bid price and the land auction will proceed just like a normal auction. Often there will not be much competition for land and you will be able to purchase a great piece of land from the land auction. After you have got your piece of property from the land auction you must find a way to finance it. This is where the land loan comes in. A land loan is exactly what it sounds like a loan for a piece of land. The land loan will be secured by the real estate that it pays for and you will be able to get a loan for the amount of the sale price of the real estate property. Your lender will likely dictate some terms as to what can be done with the land to ensure the value of the land remains intact and the land loan balance can be paid off. If you are into rentals then you might consider building a house or two on this property, depending on the size of the property you won in the land auction. Once your land loan is secure and you have built the houses and landscaped the property then your energies must turn to making this acquisition profitable to you. Hopefully you have added value to the land and can sell the property at a profit. This will create a nice little return on the project and allow you to focus your efforts on the next project. On the other hand you might consider exiting the property by selling the land and closing on a land contract with the buyer. A land contract insinuates that you are essentially financing the purchase for the buyer. Thus, when a buyer signs a land contract he is agreeing to submit monthly payments to you directly at the agreed upon terms. In turn you will pocket some of the money and turn the rest over to the bank that issued you the land loan. By using a land contract you can help somebody who has bad credit purchase the land and charge them a premium on that agreement so that you are making money on top of money. That is to say you are making interest on top of the net profit you got with the sale of the property. Adam Smith is an internet marketer for 10X Marketing. You can learn more about the real estate market and depreciation from OneMinuteMillionaire.com Keywords: land loan, land contract About the Author Adam Smith, adam10xmarketing@gmail.com More Details about land loan here.Adam Smith is an client account specialist with http://www.10xMarketing.com - More Visitors. More Buyers. More Revenue. This article has been viewed 43 time(s). Check Out Our Content Channel Categories Career/Business Marnie Pehrson Computers/Tech Beth Sunny Corporate Rhoberta Shaler Current Events Lee Schaeffer Holiday/Parties Kimberly Lainson Home Business Stone Evans Home/Family Mia Cronan Marketing/PR Marnie Pehrson Money Matters Bob Robertson Personal Develop . 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Refinance Mortgage, Home Loan, Home Equity, Home Purchase, Debt Consolidation - LowerMyBills Loans Home Refinance Loan Home Equity Loan Debt Consolidation Loan Home Purchase Loan Commercial Mortgage Automobile Loan Find a Real Estate Agent Debt DebtWizard Debt Consolidation Loan Online BillPay Login Take the Tour Insurance Automobile Insurance Life Insurance Health Insurance Homeowner's Insurance Renter's Insurance Credit Credit Cards Free Credit Report & Score Phone & Internet Cellular Phone Long Distance Service Internet Access Satellite Select One Home Refinance Home Purchase Home Equity Debt Consolidation Property State Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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 Home Description Single Family Multi-Family Condominium Townhouse Mobile Home Manufactured Home Your Credit Profile Excellent Good Fair Needs Improvement Poor Enter Your Email Address & Receive Our FREE Newsletter Full of Savings Tips and Special Offers Tips & Advice Browse over 200 FREE financial tips . Definitions Expert Answers Financial Tools How-To Advice LowerMyBills in the Media Calculators Home Refinance Calculators Home Equity Calculators Debt Consolidation Calculators Home Purchase Calculators (WEB06-C) (Q-1) (T-1850) (P-1336) (S-1)

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Naples Real Estate, Naples Florida Real Estate, Naples FL Real Estate - Berry Realty Group Site Map Naples Real Estate , Naples Florida Real Estate , Marco Island real estate , and homes for sale in Collier County , Bonita Springs , and Estero . See Naples Florida Real Estate We're #1 For A Reason! Home | Neighborhood Tours | Buying | Selling | Featured Homes | Search For A Home | Life in SWF Your Guide To Naples and Southwest Florida Real Estate Home Online Relocation Guide Neighborhood Tours Free Market Analysis Map of Naples Rentals and Leases Real Estate Blog What Is Your Home Worth? Meet Our Team Maps Newsletter Mortgage Beach Cam (Live) Contact Us Email Us Local Resources Commercial Properties Links E-Pros Scott Berry ABR, E-Pro Sun Realty 3757 Tamiami Trail North Naples, FL 34103 800-450-0198 239-450-0290 Your Ultimate Naples Florida Real Estate Guide Scott Berry and The Berry Realty Group Scott Berry Was Recently Featured On ABC News! Awarded Top 10% in the Nation for Consumer Satisfaction by the Internet Consumer Group OTHER HOT REAL ESTATE ARTICLES MORE NAPLES FLORIDA REAL ESTATE STATISTICS >> Whether you are buying or selling property in Naples or Southwest Florida, we have assembled a comprehensive set of tools to make the process easier. YOUR Naples Florida Real Estate Agents! IF YOU ARE NEW TO PURCHASING OR SELLING NAPLES FLORIDA REAL ESTATE If you are new to purchasing or selling in Naples, you have definitely come to the right place. Real estate practices vary from state to state, and even among counties. We know the real estate market better than anyone else, and we would love to assist you. 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Search this site for homes for sale in Collier County communities including, Naples, Pelican Marsh , The Moorings, Bonita Springs, Estero, Marco Island,Pelican Bay , Vanderbilt Beach , Barefoot Beach , Park Shore , Port Royal , Olde Naples , and find your dream home! Scott Berry, and the Berry Realty Group ,can help you buy , sell or lease a home or other real estate throughout the Collier County,Naples , and the surrounding communities. Naples Real Estate , Naples Florida Real Estate Naples Real Estate, Naples Florida Real Estate Naples Real Estate, Naples Florida Real Estate Real Estate Banner Network Find our listing in the directory at Real Estate & Mortgages Pelican Marsh, Pelican Marsh Real Estate Alpharetta Georgia Real Estate Crete hotel , apartments for holidays Crete - Greece flights All Links Directory Florida Real Estate SeekOn/Real Estate Indexed by State 1000's of FREE Promotional Resources = Reciprocal links exchange database and website promotion resources and more! 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