Homes For Sale

Welcome to GMAC Real Estate Online FIND A HOME FIND AN OFFICE/AGENT COOL TOOLS & INFO ABOUT US CAREERS IN REAL ESTATE -- FIND A HOME FIND AN OFFICE/AGENT COOL TOOLS & INFO ABOUT US CAREERS IN REAL ESTATE -- 7 ANDREWS HOLLOW ROCKPORT, MA 3 beds, 3 baths $2,195,000 More Information GMAC Home Services and GMAC Real Estate would like to invite you to support the American Red Cross in its efforts to help the victims of Hurricane Katrina. By making a financial gift to support Hurricane Katrina Relief efforts, the Red Cross can provide shelter, food, counseling and other assistance to those affected by Hurricane Katrina. Please click the Red Cross Logo to donate your contribution online or to find out how to make a phone or mail contribution. The GM Foundation and GMAC have made a combined immediate cash donation of $400,000 to the American Red Cross Hurricane 2005 Relief Fund. In addition, The GM Foundation has pledged up to an additional $250,000 in matching funds for contributions made to the Hurricane 2005 Relief Fund by GM and GMAC employees through the company's Global Aid Disaster Relief website -- for a total of nearly $1 million. GM has made more than 150 vehicles available for use by the American Red Cross in relief efforts throughout the affected areas and GMAC will work closely on a case-by-case basis with all its impacted customers in auto finance, insurance and mortgage units. https://give.redcross.org/donation-form.asp -- Terms of Use Privacy Site Map Contact Us Agent Intranet Markets Served © GMAC Real Estate 2005

real estate broker license.

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

Buy House

Amazon.com: House of Sand and Fog [SOUNDTRACK]: Music Your Store Music See All 32 Product Categories   Your Account | Cart | Wish List | Help | advanced search | browse styles | classical | top sellers | new & future releases | music you should hear | blowout music | used music | free downloads Search Amazon.com Popular Music - Artist Name - Album Title - Song Title Used Music Classical Music Music Downloads Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . MUSIC INFORMATION Explore this album buying info see track listings editorial reviews customer reviews RATE THIS ALBUM I dislike it I love it! 1 2 3 4 5 Edit your ratings Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . 62 used & new from $10.89 Have one to sell? House of Sand and Fog [SOUNDTRACK] James Horner List Price: $17.98 Price: $17.98 & eligible for FREE Super Saver Shipping on orders over $25. See details . Availability: Usually ships within 24 hours 62 used & new from $10.89 See more product details Better Together Buy this album with Angels in America [Soundtrack] ~ Thomas Newman (Performer)today! Buy Together Today: $36.96 Customers who bought this title also bought: The Village (Score) [Soundtrack] ~ James Newton Howard (Composer), et al Road to Perdition [Soundtrack] ~ Thomas Newman (Performer), et al Iris (2001 film) [Soundtrack] ~ James Horner, Joshua Bell (Performer) The Horse Whisperer: Original Score [Soundtrack] ~ Thomas Newman Message In A Bottle: Original Motion Picture Score (1999 Film) [Soundtrack] ~ Gabriel Yared (Composer), et al Finding Neverland [Soundtrack] ~ Jan A.P. Kaczmarek (Composer), et al Far from Heaven (Score) [Soundtrack] ~ Elmer Bernstein (Composer) A Beautiful Mind: Original Motion Picture Score [Enhanced] [Soundtrack] ~ James Horner Explore Similar Items : 20 in Music What similar items do customers ultimately buy after viewing this item? 20% buy Searching For Bobby Fischer (1993 Film) ~ James Horner (Composer), James Horner (Conductor) 19% buy The Missing (Score) ~ James Horner (Composer), James Horner (Conductor) 17% buy Beyond Borders ~ James Horner (Composer), et al 12% buy this item(House of Sand and Fog~ James Horner (Composer) 6% buy The Last Castle ~ Jerry Goldsmith (Composer), et al 5% buy The Cell (2000 Film) ~ Howard Shore 3% buy The Game ~ Howard Shore Explore Similar Items : 9 in Music Product Details Essential recordings: James Horner Audio CD (December 9, 2003) Number of Discs: 1 Label: Varese Records Format: Soundtrack ASIN: B0000YEF20 Average Customer Review: Based on 5 reviews. Write a review . Amazon.com Sales Rank: Today: #15,390 in Music Yesterday: #103,294 in Music Customers interested in James Horner (Composer) may also be interested in Sponsored Links ( What's this? ) Feedback James Horner Sheet Music Titanic, Legends of the Fall and more. 387,000 titles. Fast. Go now! www.SheetMusicPlus.com Track Listings 1. An Older Life 2. The Waves of the Caspian Sea 3. Old Photos, New Memories 4. This Is No Longer Your House 5. Two People 6. Kathy's Night 7. Parallel Lives, Parallel Loves 8. Behrani's Thoughts - Long Ago 9. Break-In 10. The Dreams of Kings 11. The Shooting, A Payment for Our Sins 12. We Have Travelled So Far, It Is Time to Return to Our Path 13. A Return to the Caspian, And to the Iran of Old Editorial Reviews Amazon.com A California real estate dispute may hardly seem the foundation for riveting drama, but in director Vadim Perelman's adaptation of Andre Dubus II's novel it becomes an unflinching, yet crucially non-judgmental study of disparate characters caught up in a spiraling conflict where home is considerably more than a place to live. Composer James Horner takes the medium-budget project as an opportunity to break with much of the melodic expectations of his Hollywood fare, coloring the film's more personally-scaled drama with an introspective score that turns on masterful musical evocations of mood and emotion. Horner begins with a deft electronic/orchestral synthesis ("An Older Life") that both recalls some of T-Dream's more evocative cinematic moments and subtly sets up the score's melancholy emotional tone. From there he relies heavily on autumnal, string writing (reminiscent of Copland and Barber) and spare piano flourishes, seasoned with inventive rhythmic touches, to carry its moody tone forward. While it may draw on some of the same minimalist and post-modern influences as A Beautiful Mind , it has a wholly different emotional cast; a dark, but deeply rewarding musical journey. --Jerry McCulley Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 10 of 10 people found the following review helpful: Great return to form for Horner , January 8, 2004 Reviewer: James Luckard (Los Angeles, CA)- See all my reviews I agree with the previous reviewer. I used to be a huge Horner fan and picked up most of his new albums until about five years ago, when I felt he lost his magic. Most of his recent scores have sounded like they were on autopilot, and I still remember my horror at seeing Enemy at the Gates and hearing his main theme, also known as the main theme from Schindler's List. Now, I know, there are a thousand arguments about why film music is not always meant to sound totally original, and that Williams may have even borrowed some of his Schindler's melodies from elsewhere. It's all a matter of personal taste and I just haven't been moved by a Horner score for a while. When I saw this beautifully crafted film, however, I was struck by the simplicity and emotional depth of Horner's work. It reminds me a great deal of his beautiful score for Deep Impact. I was also glad to not hear tunes he'd used previously elsewhere. Although this doesn't have any of the driving, epic, thematic music Horner became a star for, like Titanic, it's a hauntingly beautiful work and is certainly worth picking up, especially for the wrenching final half-hour of the film, which is almost entirely scored. Was this review helpful to you? ( Report this ) 16 of 16 people found the following review helpful: James Horner's best work in a long time. , February 15, 2004 Reviewer: Richard Stoehr "Differed From" (Bremerton, WA USA)- See all my reviews Even a diehard James Horner fan (like me) has to admit that, for the past few years, Horner has been skating by. With the scores for "Enemy at the Gates", "Radio", and "A Beautiful Mind", among others, Horner borrows heavily from himself and regurgitates old themes and progressions. Even the score for which he's perhaps best-known -- the Oscar-winning "Titanic" -- is heavily derivative of his own previous work. Finally, with "House of Sand and Fog," Horner has given us something to treasure again: an original, moving score for a great film. Listening to this music, I am reminded why I started following Horner's work so long ago. His subtle touch and avoidance of a "catchy" theme is evident in every track. Among my favorite pieces are "Two People," "The Dreams of Kings," and "Old Photos, New Memories"... but really, every song is a good one, and the album as a whole can be numbered as one of Horner's true masterpieces. What I admired most about it was that Horner was able to abandon the style he has adopted for most of his recent work and just let the spirit of the film take over. Good film music is all about making music which evokes the right emotion for the film it accompanies, and the music for "House of Sand and Fog" does that perfectly, not only going along with but enhancing the feeling of each scene. The fact that the music is a joy to listen to on its own just makes it that much better. Listening to James Horner's score for "House of Sand and Fog" reminds me of when I first listened to "Glory" and "Field of Dreams" and "Sneakers"... not because these scores are similar, but because they are all unique. They all bear the mark of James Horner, but it is Horner at his original and emotional best, and James Horner at the top of his game makes for some wonderful music. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 5 of 5 people found the following review helpful: Serves the Movie Well , July 16, 2004 Reviewer: Robert Stribley (The Deep South, United States)- See all my reviews I agree with many here who say that much of James Horner's music has sounded the same of late, but that this soundtrack is exceptional. Quiet, elegant, melancholy, moving: not words you'd use to describe a movie soundtrack, especially a wide-release flick like this, these days. I even agree that some of the pieces remind me of Gorecki. "The Waves of the Caspian Sea," for example, sounds remarkably like the Polish composer (one of my favorites, too), to the point that I almost expect to see his name in the credits. Overall, truly haunting and beautiful. Was this review helpful to you? ( Report this ) 6 of 6 people found the following review helpful: One of the best of 2003 , March 26, 2004 Reviewer: A music fan James Horner has never been my favorite composer. I think he borrows heavily from himself without ever stating anything new. This isn't always a problem if the composer takes his "internal themes" and transfers in an invigorating way to new material. But for me, Horner doesn't do that. With this score for THOSF, Horner really hits one home. I actually had to look at the cd just to make sure it really said "music composed by James Horner", this is so beautiful and different for him. As others have said, all of the tracks really are beautiful. This isn't the type of score you put on as background music nor something you listen to to Not think. This score is emotive and heavily melancholic. It reminds me of Gorecki's Symphony No.2, and if you know that piece of music, you know there's no a higher compliment I can pay this score. (BTW, if you're interested in a composer doing new and exciting things check out Danny Elfman's score for The Hulk, his score that should've been nominated over his mediocre one for Big Fish.) Was this review helpful to you? ( Report this ) 11 of 11 people found the following review helpful: OSCAR CONSTENDER!!!! , December 10, 2003 Reviewer: A music fan (somewheres) This soundtrack is deep in emotion, but extremely subtle and "underplayed"- a beautiful and very relaxing work. Listen to it in the dark! It is come of the most calming music! And for all you Horner fans out there - he does not borrow any real theme or even transitions (until the 15 minute track - "the Shooting, and Payment for our sins" where there is actually one statement from the missing score). Other than that his style is pretty much the same even though a lot less melodic and more like Lisa Gerrard's WHALERIDER, or DRAGONFLY by Debney. The instruments used are piano (there is wonderful piano solo in "TWO PEOPLE", string orchestra with synths and a tiny bit of oboe and flute. Also a neat touch for the tension motif is the plucking of strings along w/ timpani! If you like darker, ambient and personal scores get this today!!!! Was this review helpful to you? ( Report this ) See all 5 customer reviews... Customers who bought titles by James Horner also bought titles by these artists: Hans Zimmer John Williams Jerry Goldsmith Alan Silvestri Thomas Newman Explore similar artists So You'd Like To... See the 47th Grammy winners (Soundtracks, Children & Misc.) :by Peter Hilgendorf , Amazon.com Sr. Music Editor See the 2004 Oscar Winners and Nominees on DVD :by Doug Thomas , DVD Managing Editor, Amazon.com See the 2004 Academy Award Winners & Nominees :by Joe , Movie Lover Listmania! My Favorite Movie Scores (in no order) :A list by Michael Crane , writer and college student Best Characters in Movies :A list by silentbob129502 , silentbob129502, movie buff Eternal Soundtracks :A list by Odd Magne Granli , Soundtrack Collector Browse for music in: Styles > Soundtracks > General Styles > Classical > General Styles > Classical > Forms & Genres > Theatrical, Incidental & Program Music > Film Scores Styles > Pop > General Styles > Soundtracks > Movie Scores Feedback I have listened to this recording, and I want to review it. Tell a friend about this album . Write a So You'd Like to... guide . Is there a specific product you'd like us to sell? Tell us about it. Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect.Propose corrections using our Online Catalog Update Form . The page contains typographical errors. The page takes too long to load. The page has a software bug in it. Content violates Amazon.com's policy on offensive language . Product offered violates Amazon.com's policy on items that can be listed for sale. Comments or Examples: Examples: Missing information such as dimensions and model number, typos, inaccuracies, etc. Where's My Stuff? • Track your recent orders . • View or change your orders in Your Account . Shipping & Returns • See our shipping rates & policies . • Return an item (here's our Returns Policy ). Need Help? • Forgot your password? Click here . • Redeem or buy a gift certificate. • Visit our Help department . Search Popular Music - Artist Name - Album Title - Song Title Used Music Classical Music Music Downloads All Products for Turn your past music purchases into $$$ Learn more about selling at Amazon.com today! Top of Page Music Search | Browse Styles | Classical | Top Sellers | New & Future Releases Free Downloads | Essential CDs | Used Music Amazon.com Home | Directory of All Stores Our International Sites: Canada | United Kingdom | Germany | Japan | France  | China Help | Shopping Cart | Your Account | Sell Items | 1-Click Settings Investor Relations | Press Releases | Careers Conditions of Use | Privacy Notice © 1995-2005, Amazon.com, Inc. or its affiliates

Texas Land Trusts About

Texas Land Trust Resources Maincontent Local Navigation print friendly search Regulations Publications Outdoor Learning Kids Game Warden Grants Get Involved Shop FAQ Calendar Español Experience Texas Fishing & Boating State Parks & Destinations Hunting & Wildlife Land & Water Doing Business Home Land & Water Land Private Tltc Resources Texas Land Trusts About Texas Land Trusts Starting a Land Trust Texas Land Trust Directory Foreword Listing Regional Index About the Texas Land Trust Council ( TLTC ) TLTC Board of Directors and Honorary Council News 2004 TLTC Conference Speech Bulletin Board TLTC Publications Land Trust Resources Texas Land Trusts Top 1-Million Mark in Acres Conserved Texas Land Trust Resources Texas Parks and Wildlife works with developing land trusts in Texas. Texas Parks and Wildlife encourages potential land trust organizations to learn from the experiences of the practicing land trusts listed in this directory. If you would like your organization listed in this directory or have any questions pertaining to land trusts and land conservation options, contact: Texas Parks and Wildlife 4200 Smith School Road Austin, TX 78744 Phone: (512) 389-4779 Fax: (512) 389-4469 Email: tltc@ The Land Trust Alliance is a national support group for land trust organizations. The Land Trust Alliance was created in 1982 to provide linkages, services and leadership to land trust organizations across the country. For information about individual and organizational membership in the Land Trust Alliance, contact: Land Trust Alliance 1331 H Street NW, Suite 501 Washington, DC 20005 Phone: (202) 638-4725 Fax: (202) 638-4730 Web address: http://www.lta.org The Texas Land Trust Council serves as a support association for all land trust organizations in Texas. The Council's mission is to promote and sustain the conservation efforts of Texas' land trusts. The Texas Land Trust Council provides technical and educational "know how" to land trusts and anyone interested in land conservation. For information about individual and organizational membership in the Texas Land Trust Council, contact: The Texas Land Trust Council C/O Carolyn Vogel P.O. Box 26801 Austin, TX 78731 Texas Parks and Wildlife Austin, TX 78744 Contact Us | Help | Accessibility | Media | Site Policies | Complaints | Intranet | State of Texas | TRAILS Search | TexasOnline | Compact with Texans Texas Parks and Wildlife Department , 4200 Smith School Road, Austin, TX 78744 Toll Free: (800) 792-1112, Austin: (512) 389-4800 Content of this site © Texas Parks and Wildlife Department unless otherwise noted. Last modified: July 29, 2005, 4:38 pm

real estate listings. Oceanfront

Maine Waterfront Real Estate Listings - Coastal Maine's Oceanfront Real Estate Specialists Bob Fenton & Marjorie Crowley Maine's Oceanfront Real Estate Specialists Exclusively Representing Coastal Maine Real Estate Buyers 800-293-4416 We're your Maine real estate guides and regional advisors. We make it easy for you to fulfill your dream of owning real estate in Maine. You'll get to know the Maine real estate marketplace from the comfort of your home or office. You'll put our years of real estate brokerage experience and coastwise knowledge to work for you right away. Call to discuss your Maine real estate search. Visit bobfenton.com often for the most up to date real estate listings. Oceanfront property listings including Camden Maine real estate, York Maine and Boothbay Maine real estate. We are the Maine's oceanfront real estate specialists offering a wide variety of oceanfront real estate and lakefront real estate. Search Maine Property Listings : P referred B uyer's S ervices Get FREE access to all coastal Maine real estate listings. See every real estate listing on the coast of Maine. Get Daily E-Mail Alerts of new listings and price changes. Never Miss Another Listing . Coastal Maine Real Estate Listings Tour of Coastal Maine Real Estate Listings Here's an easy way to get a feel for what's going on in real estate on the coast of Maine. Our selection of: Coastal Maine Waterfront Listings Maine Waterfront Homes Over $5 Million Over $2 Million Over $1 Million $900,000 to $1 Million $800,000 to $900,000 $700,000 to $800,000 $600,000 to $700,000 $500,000 to $600,000 $400,000 to $500,000 $300,000 to $400,000 $150,000 to $300,000 Maine Waterfront Condominiums Maine Antique Homes Built Before 1800 Over $1 Million $500,000 to $1 Million Under $500,000 Maine Bed & Breakfasts Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non-commercial use only. Dimensions are approximate. All data should be independently verified. © 2005 Maine Real Estate Information System, Inc. All Rights Reserved. Exclusive Buyer's Brokers for Maine RealEstate We are professional buyers brokers offering exclusive representation for all Maine properties. We provide complete loyalty without conflicts of interest on your purchase of Maine real estate. Your confidentiality is of utmost importance while buying any coastal Maine property. We help you analyze all sales data to determine the true property value of your new Maine home. Our tough negotiating tactics work to get you the best price and terms on your new home in Maine. Maine WebCams : Coastal Maine Web Cams Take a "virtual tour" of coastal Maine. Visit Web Cams on the coast. We sincerely enjoy introducing people like you to the scenic beauty of coastal Maine. One of our most popular links. Maine Lighhouses : Maine's Most Photographed Icon If you like lighthouses, Maine is Mecca. Maine is host to many of the nation's oldest lighthouses. Navigating the coast of Maine presented quite a challenge in the early days of coastal trading. With all of the small islands, rocky outcroppings, ledges and reefs, the dangers of sailing the coast were great. There are more than 60 lights cloistered along the 3500 miles of Maine's convoluted and rocky coast. Our tour consists of over 30 Lighthouses and some Lighthouse Web Cams along the coast of Maine. Maine Maps : Detailed Area Maps & Regional Info. Local Information, with maps of towns or regions. Links to area's Chamber of Commerce, local on-line news, ferry service to area islands, and an ariel photo of the community. Get the local area information you need to make a wise real estate buying decision.Resources for ordering maps of Maine and everybody's favorite book about life in Maine: "Moving to Maine" Your personal guide to Maine realestate Put our years of real estate experience and regional coastwise knowledge to work for you. We've learned about all the complexities that surround your unique search for Maine property.With our help, your real estate decisions will be made with complete confidence. You'll be sure you've made the right choice because you've got all the information you need to make a wisedecision. It begins by having an experienced real estate broker on your side. Before you know it, you'll be wondering why youtook so long to make the move. And chances are you'll call Maine your home, even if you're a seasonal resident. Call to discuss your search for Maine real estate. 800-293-4416 Search Maine Real Estate Listings | Maine Modular Home Builder | Maine Custom Home Builder Maine Life | Maine Home Buying Tips | Maine Broker Profile Maine Lodging | Maine Travelogues | Why You Need a Buyer's Broker | Client Testimonials