Home Mortgage

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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Florida Real Estate

Anchor Vacation Properties, Inc. & Anchor Realty & Mortgage Co. Purveyors of Fine Homes and Estates Real Estate Sales Area Information Vacation Rentals Anchor Realty and Mortgage Co. is a full service real estate brokerage firm with 11 offices in the Forgotten Coast of the Florida Panhandle. Our 90+ professional Realtors have a superb track-record in assisting clients in their search for investment properties, beach front, and/or water front real estate. To best serve you, we have two offices in Apalachicola and one office in each of the following markets: Carrabelle, St. George Island, St. Joe Beach, Gramercy Plantation in Eastpoint, Cape San Blas, Simmons Bayou, Mexico Beach, Tallahassee and Lynn Haven near Panama City Beach. Our professional Realtors specialize in platted subdivisions (new and re-sales), vacant land, historic homes, beach homes, town homes, condominiums and commercial property. Just stop by and meet with a REALTOR® or view our website or simply call us for more information. Telephone Directory Anchor Vacation Properties, Inc. offers approximately 150 beach rental homes and townhomes in St. George Island, the St. George Plantation, Apalachicola and Carrabelle, Florida available by the night, by the week or by the month. Guests may also choose the convenience of our hotel, The St. George Inn. Property locations are: beach front, beach view, bay front, river front and interior. Some rentals feature: swimming pools, elevators and docks. Some of our homes and cottages are pet friendly. The St. George Inn on St. George Island offers rooms and suites from $59 to $169 per night. For more information, to request a free brochure, to book your next family vacation, to schedule a fabulous romantic getaway, or to plan your next fishing trip, click the above Rental link or call 1.800.824.0416 or 1.850.927.2625 Site Map

Real Estate Agent

California Department of Real Estate: Licensee Status Inquiries 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 Licensee Status Inquiries 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. You may check the status of real estate salesperson, broker, and corporate licensees online. However, before you do, please take a minute and review the information below on how to use the inquiry screen. Click here to check the status of a real estate salesperson, broker, or corporation. NOTE: The online status inquiry feature is a service for consumers. It is not intended for, nor capable of, automated database searches or sorts. If you desire such database files, please contact the Department for information on availability and costs. Using the Real Estate License Status Inquiry Screen If you enter a name (and, optionally, the city), click on the find button to advance to an index of licensees who satisfy your search criteria. The license identification number, name, license type and city as contained in the mailing address of record, are displayed in the index. This information is provided to help you select the license record you are seeking. If you click on the license I.D. number from the name index or if you use the license I.D. search from the first screen, you will migrate to the final screen that displays the public information available for that licensee such as the license expiration date, status, salesperson associates, office addresses and corporate affiliations. The information presented reflects the license records of the DRE at the time of your inquiry; however, it will not reflect pending updates which are being processed by the Department. Helpful Hints Mark the search page with a "bookmark" or "favorite" indicator so that you can initiate search requests from your own menu. Review the search tips above, especially when you receive a "no record" reply. Review the supplemental explanations of status and comment descriptions available on the public information page. Out-of-Date License Information If your license record reflects information which is no longer current (wrong address, employing broker, etc.), you can use the eLicensing online system to update your license record immediately. Or, you may notify the DRE using the appropriate change request form: Salesperson Change Application ( RE 214 ) Broker Change Application ( RE 204 ) Corporation Change Application ( RE 204A ) Prior to submitting your change application, please review Tips for a Smooth Licensing Transaction . Depending on the change being requested, the approximate processing time frame for paper applications is 4 to 6 weeks. Actions Against Unlicensed Persons The Department publishes monthly a list of names of persons and businesses which have been found to have been conducting real estate activities without a license. See Desist and Refrain Orders for Unlicensed Activities . Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Friday, August 06, 2004

Property Search

Find Your Unclaimed Property Finding and ClaimingYour Unclaimed Property NOTICE OF NAMES OF PERSONS APPEARING TO BE OWNERS OF ABANDONED PROPERTY Database Last Updated: November 1, 2005 Only unclaimed property records with a value of $25 or greater are included in the Treasury website database. If your name does not appear on this list and you have received an unclaimed property mail card notice, you may return the card along with required documentation or contact our office directly at 1-888-844-8400 or alaucpd@treasury.state.al.us There are three ways to find and claim yourUnclaimed Property: 1. Search the Unclaimed Property Database Online! This is the fastest and easiest way to find and claim your unclaimed property. Requires Microsoft Internet Explorer or Netscape Navigator Versions 4.0 or higher. (Get Microsoft Internet Explorer here . Get Netscape Navigator here .) Be sure to read the guidelines for a successful online search . Please Note: We are receiving a high volume of website visits and database inquiries, up to 6200 hits hourly. If your search results in error messages or no response from our server, please read the guidelines below and try your search again. 2. Call the Unclaimed Property Office Toll-Free (888) 844-8400 weekdays from 8:00 AM to 5:00 PM. 3. Mail Inquiry Form Opens in a separate window for printing and mailing ImportantGuidelines for Searching the Online Database Requires Microsoft Internet Explorer or Netscape Navigator Versions 4.0 or higher . (Get Microsoft Internet Explorer here . Get Netscape Navigator here .) You may search by Name or in combination with City, to display a more refined search. You must always make an entry in the "Name" box. Your entry in the "Name" box must be one of the following: Initial - "D" returns all records with last name starting with "D". Last name - "Doe" returns all records with last name "Doe". Last name and first name or first name initial, separated by a space (no commas!) - "Doe John" returns all records with last name "Doe" and first name "John"; "Doe J" returns all records with last name "Doe" and first names starting with "J".