Real Estate Loan

Coldwell Banker Residential Brokerage - Real Estate, Mortgage, Insurance, Relocation Services Property Search Find An Office Find A Sales Associate Open Houses Previews New Construction The Buying Process FAQs Recent Sales Search Find An Office Find A Sales Associate Previews New Construction The Selling Process FAQs Mortgage Services Mortgage Pre-Approval Find A Mortgage Consultant Refinancing Loan Programs The Mortgage Process Privacy Policy FAQs Insurance Services Privacy Policy FAQs Get A Moving Quote Moving Services The Moving Process Checklist FAQs Our Town Videos Corporate Services The Relocation Process International Services Employee Benefits FAQs LOGIN / REGISTER ABOUT US CAREERS CBRB CARES CONTACT US MA ME NH RI CT Min Price $0 $75,000 $100,000 $125,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 Property Type Single Family Multi-Family Condo Land Max Price $75,000 $100,000 $125,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $3,000,000+ Search by MLS# • Previews Luxury Properties • Open Houses • New Construction • Recent Sales Receive fast personal assistance from one of our Home Resource Center Professionals. • Mortgage Pre-Approval • Your Home's Value • Get A Moving Quote • Help Selecting a Sales Associate • Over 55 Housing • Rental Services • Commercial Services May We Help You? Contact Customer Service Email Address Password Remember Me Need your password hint ? Not a member yet? Register Now to access these benefits and more: » Access all available MLS listings. » Save your search criteria. » Save individual listings. » Watch your favorite streets for new listings. » Receive daily Email Alerts. • View a sample HomeMovie • View a sample PhotoGallery • Search for an office by town. • Search for a sales associate by name. • Let us help you select a sales associate. 2005 Coldwell Banker Residential Brokerage All rights reserved. Owned and Operated by NRT, Inc. Equal Housing Opportunity, Equal Housing Lender. Unauthorized duplication, use, or linkage is prohibited. Site Map | Terms of Use | Privacy Promise

Sell House

10 Steps to Take Before You Sell Your House - Home Selling  You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > 10 Steps to Take Before You Sell Your House - Home Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! Email to a friend Print this page More Home Selling Articles Understanding Material Facts and Property Disclosures Get Ready for Your Home Inspection Should You Buy a Home Warranty? More Home Selling Resources How to Read the HUD-1 Settlement Statement Getting the House Ready to Sell How To Measure Your Square Footage Recent Discussions Excellent credit, no savings- help!! Buying an out of state home ? Re-financing... Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping 10 Important Steps to Take Before You Sell Your House From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Essential Home Selling Preparations The home selling process differs from state to state, but there are some important steps that most home sellers should take before listing a house with an agent or selling it for sale by owner. Every bit of prep work you do helps you get the most return from your investment. 1. Get Pre-Approved for a Home Loan I've known sellers who signed a contract to sell their house before they knew if they were qualified to buy another. Either their financial circumstances had changed since their last purchase, and they could no longer qualify for a loan, or they weren't able to sell at a price that allowed them to buy the type of replacement house they wanted. They ended up renting or buying something that was far from ideal. Before you decide to sell the house, get pre-approved by a lender you trust and research the housing market in the area where you wish to live so that you have a good idea how much it will take to buy a replacement. Start looking for two types of real estate: houses that seem to match the one you'd like to buy and houses that are similar to your current home. How do the two categories compare in price? Can you handle the difference if you're planning a step up? Mortgage Helpers: Are You Pre-Approved for a Mortgage? And to compare for-sale homes to your own, learn how to Measure Residential Square Footage . 2. Check Your Mortgage Payoff Call your lender to check the payoff for your current home mortgage. You'll need the figure to complete Step 6. 3. Determine How Much Your House Is Worth Determine your home's fair market value. Real estate agents will usually help you determine value as a courtesy, but you might take it a step further and order an appraisal . 4. Estimate Your Costs to Sell Real estate commission if you use an agency to sell. Advertising costs, signs, other fees if you plan to sell by owner. Attorney, closing agent and other professional fees. Excise tax for the sale. Prorated costs for your share of annual expenses, such as property taxes, home owner association fees, and fuel tank rentals. Any other fees typically paid by the seller in your area (surveys, inspections, etc.). Real estate agents deal with transactions every day and can give you a very close estimate of seller closing costs. 5. Estimate Costs to Buy a New Home Calculate moving expenses, loan costs, downpayment, home inspections, title work and title policy, paying for a new hazard insurance policy--all expenses related to buying a home. Your lender should give you a disclosure of estimated costs when you apply for loan pre-approval. 6. Calculate Your Estimated Proceeds Deduct your mortgage payoff from your home's fair market value. Deduct your costs to sell from the remainder to get an estimate of the proceeds you will be paid at closing. Will your closing proceeds cover your costs to buy a new home? If not, do you have cash or other funding to make up the difference? 7. Make Necessary Repairs Make all needed repairs unless you want the house to be regarded as a fixer-upper. I'm not referring to cosmetic updates--just items in need of repair. Anything that's obviously broken gives potential buyers a reason to offer you a lower price, especially if it's one of several repair hot spots that worry buyers the most. 8. Get the House Ready to Show Most houses need at least a little spiffing up before they are shown to potential buyers. Great curb appeal , fresh paint indoors (and sometimes out), organized closets and cabinets, sparkling clean windows and appliances and a clutter-free look are essential if you want the house to appeal to buyers. Be sure to avoid the things buyers hate most about houses. 9. Get Psyched Up to Let People In If you're listing with a real estate agent, she'll ask you to leave when the house is shown. Why? Because lurking sellers make buyers nervous--they don't feel comfortable inspecting the house when they feel they are intruding in your personal space. Unless there's a valid reason for it, don't ask your agent to be present for all showings, because that requirement can be the kiss of death for showing activity. Other agents want privacy with their buyers and they don't usually have time to work around your agent's schedule. Make the house accessible. That means it should always be ready to show. Many agents won't bother showing a house that takes 24 hours to get into. 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Investment Property Calculator An

Investment Property Calculator http://www.dinkytown.net -- Financial Calculators http://www.dinkytown.net -- Investment Property Calculator An investment property can be an excellent investment. This calculator is designed to examine the potential return you might receive from an investment property. Investment Property Calculator Property Address PROPERTY_ADDRESS Property Information PROPERTY_INFO Financing Information Purchase Price PURCHASE_PRICE Cash Invested CASH_INVESTED Loan #1 Amount LOAN_1_AMOUNT    Interest Rate INTEREST_RATE_1    Monthly PI LOAN_1_PI    Term in Months TERM_IN_MONTHS1 Loan #2 Amount LOAN_2_AMOUNT    Interest Rate INTEREST_RATE_2    Monthly PI LOAN_2_PI    Term in Months TERM_IN_MONTHS2 Property & Depreciation Information Land Value LAND_VALUE Personal Property PERSONAL_PROPERTY Building Value BUILDING_VALUE Personal property depreciation PERSONAL_PROPERTY_DEPRECIATION at PERSONAL_PROPERTY_DEPR_RATE depreciation Building depreciation BUILDING_DEPRECIATION at BUILDING_DEPR_RATE depreciation Total Depreciation TOTAL_DEPRECIATION Gross Operating Income Annual Rent ANNUAL_RENT Less Vacancy LESS_VACANCY Gross Operating Income GROSS_OPERATING_INCOME Annual Expenses Real Estate Taxes REAL_ESTATE_TAXES Utilities UTILITIES Insurance INSURANCE Maintenance/Repairs MAINTENANCE_REPAIRS Advertising ADVERTISING Admin/Legal ADMIN_LEGAL Supplies SUPPLIES Miscellaneous MISC Total operating expense TOTAL_OPERATING_EXPENSE Operating expense ratio OPERATING_EXPENSE_RATIO Tax and Appreciation Rates Tax bracket TAX_BRACKET Appreciation rate APPRECIATION_RATE Cash Before Taxes Gross Operating Income GROSS_OPERATING_INCOME Operating expense - TOTAL_OPERATING_EXPENSE Net Operating Income = NET_OPERATING_INCOME Annual Debt Service - ANNUAL_DEBT_SERVICE Cash Flow Before Tax = CASH_FLOW_BEFORE_TAX Cash After Taxes Net Operating Income NET_OPERATING_INCOME Total Interest - TOTAL_INTEREST Total Depreciation - TOTAL_DEPRECIATION Taxable Income = TAXABLE_INCOME Tax Paid or Saved TAX_PAID_OR_SAVED Cash flow after tax CASH_FLOW_AFTER_TAX Rates of return Total appreciation TOTAL_APPRECIATION Return on Investment with appreciation RETURN_ON_INVESTMENT_WITH_APPRECIATION Return on Investment without appreciation RETURN_ON_INVESTMENT_WITHOUT_APPRECIATION Cap Rate CAP_RATE Cash on Cash CASH_ON_CASH Schedule **REPEATING GROUP** Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. " This Financial Calculator requires a Browser with Java(TM) applet Support. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This can be done simply, and automatically, by clicking the link below: Get the Java(TM) Plug-in! Definitions Cash Invested The money, you the investor, actually have to put down on the property. (out of pocket). Usually it is the amount of earnest money you invest in property. Interest Rate The amount of interest the investor pays annually to borrow money from the lender. Rates and programs can vary, check with lender for more information. Land Value The approximate value of the land that the property sits on. Usually available on the tax records in the county the property resides. You can not deprecate land value. Personal Property Anything that you have that is used for the investment property, such as washer/dryer, range, refrigerator lawn equipment, fixtures and other. Personal Property Depreciation Rate The rate annually you can depreciate on the personal property. Building Value Depreciation Rate Recovery period for five-year personal property. Year Percentage 1 20% 3 14.20% 5 11.52% 2 32% 4 11.52% 6 5.76% Appreciation The amount the property is on an annual basis appreciation occurs on entire value of the property Loan P & I P=principle, I=interest Total Depreciation Total amount you can depreciate annually on personal property and building value. Gross Operating Income The amount of income available after vacancy. Total Annual Operating Expense The total annual expenses including real estate tax, repairs, management fees, insurance, utilities, supplies, and other miscellaneous expenses. Operating Expense Ratio It's the percentage amount- based on the income 23 - 30% is considered average. Net Operating Expenses Total annual amount of expenses. Cash Flow Before Tax What's left after expenses, principle payment and interest. Annual Debt Service Your payment to lender including principal and interest. Equal Principle Reduction The amount left annually as you pay down the principle and interest. Return on Investment w/appreciation Cash flow before tax + principle reduction + taxes saved/paid + appreciation divided by cash invested. Includes appreciation. Return on Investment w/ out Appreciation Does include same formula above except appreciation. Cap Rate AKA= Net operating income divided by price, capitalization rate, rate of return- Anything in Double Digits is Fantastic! Cash on Cash Cash flow before tax % cash invested. Investment Appreciation Annual Percentage of increase of appreciation of property. Total Return The total analyzation of returns of the property. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Real Estate Corporation

Coldwell Banker Real Estate Corporation Today's Mortgage Rates 6.06% APR* 6.225% > Go to Mortgage Center > Apply now Quick Search country United States Australia Bahamas Bermuda Canada Cayman Islands Dominican Republic Jamaica Mexico Nevis/St. Kitts Philippines Saint Lucia Turks & Caicos US Virgin Islands or by map search by price No min $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1M $5M $10M to No max $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1M $5M $10M beds Any 1+ 2+ 3+ 4+ 5+ baths Any 1+ 2+ 3+ 4+ new listings in past 7 days only Detailed Search Special Properties country United States Australia Bahamas Bermuda British Virgin Islands Canada Cayman Islands China Costa Rica Dominican Republic Egypt France India Indonesia Ireland Israel Jamaica Lebanon Mexico Netherlands Nevis/St. Kitts Poland Singapore Sint Maarten Spain Turks & Caicos US Virgin Islands Venezuela or by map city state AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VT WA WI WV WY zip radius n/a up to 1 up to 2 up to 5 up to 10 up to 15 up to 20 up to 25 miles first name last name language Any English Albanian American Sign Language Arabic Armenian Bulgarian Burmese Cambodian Cantonese Chaochou Chinese Creole Croatian Czech Danish Dutch English Farsi Filipino Finnish French Gaelic German Greek Gujarati Hawaiian Hebrew Hindi Hindustani Hmong Hungarian Icelandic Indonesian Italian Japanese Korean Latvian Luxembourgish Malay Mandarin Morrocan Norwegian Persian Polish Portuguese Punjabi Romanian Russian Serbian Shanghainese Slovak Spanish Swahili Swedish Swiss Tagalog Tahitian Taiwanese Tamil Teluga Thai Tongan Turkish Ukrainian Unknown Urdu Vietnamese Yiddish Yoruba Detailed Search country United States Australia Bahamas Bermuda British Virgin Islands Canada Cayman Islands China Costa Rica Dominican Republic Egypt France India Indonesia Ireland Israel Jamaica Lebanon Mexico Netherlands Nevis/St. Kitts Poland Singapore Sint Maarten Spain Turks & Caicos US Virgin Islands Venezuela or by map city state AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VT WA WI WV WY zip radius n/a up to 1 up to 2 up to 5 up to 10 up to 15 up to 20 up to 25 miles office name language Any English Albanian American Sign Language Arabic Armenian Bulgarian Burmese Cambodian Cantonese Chaochou Chinese Creole Croatian Czech Danish Dutch English Farsi Filipino Finnish French Gaelic German Greek Gujarati Hawaiian Hebrew Hindi Hindustani Hmong Hungarian Icelandic Indonesian Italian Japanese Korean Latvian Luxembourgish Malay Mandarin Morrocan Norwegian Persian Polish Portuguese Punjabi Romanian Russian Serbian Shanghainese Slovak Spanish Swahili Swedish Swiss Tagalog Tahitian Taiwanese Tamil Teluga Thai Tongan Turkish Ukrainian Unknown Urdu Vietnamese Yiddish Yoruba Detailed Search city or by map state AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA PR RI SC SD TN TX UT VA VT WA WI WV WY zip radius n/a up to 1 up to 2 up to 5 up to 10 up to 15 up to 20 up to 25 miles office name Detailed Search SM -- My Coldwell Banker SM Let us do the searching for you! With the Coldwell Banker Personal Retriever ® Service Learn more Sign up today! Log In Forgot your Password? Concierge Home Services International Coldwell Banker Commercial® About Us Careers Contact Us Site Map Terms and Conditions Privacy Policy Buy | Sell | Contact | Learn | My Coldwell Banker © 2005 Coldwell Banker Real Estate Corporation . Coldwell Banker ® is a registered trademark licensed to Coldwell Banker Real Estate Corporation.An Equal Opportunity Company.Equal Housing Opportunity.Each Office Is Independently Owned and Operated Except Offices Owned and Operated By NRT Incorporated.

House Rentals City &

Find Apartments For Rent and House Rentals on Yahoo! Real Estate Find Apartments For Rent and House Rentals Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Features Classifieds • List Your Vacancy Moving Center • Moving Quotes • Out of State Moves • Truck Rentals • Auto Transport • Moving Checklist Rentals Resources • Free Credit Reports • Roommates • Renter's Insurance • Renter's Library • Rent vs. Own Calculator Local Information • Neighborhood Profiles • School Reports • City Guides • Find a Job • Search Homes For Sale Buying & Selling Cars • Buy a Car • Sell Your Car Search Apartment and House Rentals City & State, or Zip: Property Type: All Types Apartments Condo_Townhouse Corporate_Temporary Other Room for Rent Senior Housing Single Family Home Vacation Rental/Timeshare --------------------- Potential Renter or Roommate Price Range: $0 $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,750 $2,000 $2,250 $2,500 $3,000 $4,000 to No Max $100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,750 $2,000 $2,250 $2,500 $3,000 $4,000 Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Advanced Search New! Rent Your Apartment or House with the Help of Yahoo! Classifieds. Generate leads quickly with placement in front of millions of Yahoo! users. Your ad runs for 21 days URL link to another Web site Post up to six photos Full property description Rent Your Property Today! Roommate Center Need a Room? Have a Room? Search Available Rooms Search Available Roommates Post an Ad Post an Ad Resource Center Insurance Services Learn purchase protection tips & home and safety prevention Moving Services Get a quote from a local, national, or international mover; find out about other options Moving Checklist Plan your move Moving Articles Read about how-to articles on moving Sponsored Links Michigan Property Management Services We offer property management services for rentals, cottages, cabins, condos and homes throughout Western Michigan and Lake Michigan. www.waterfrontmich.com Free Rental Property Management iiProperty is a free property management service for owners who self-manage. Find buyers and tenants by creating free listings and posting them online. Easily manage multiple listings. www.iiproperty.com Vacation Property Mgmt Software/Services Turn-key property management software designed for the individual vacation rental property owner. Affordable property management by owner software and services. www.vtbo.com (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Home Services by ServiceMaster Clean, Fix and Improve your Home Get an Estimate or call 1-866-843-2834 Real Estate News Can separated couple sell two houses in one year? Dec 20, 2005, Inman News Realty Reality: HOA Members have Greater Access to Records Dec 20, 2005, Realty Times Demystifying Escrow For First-Time Home Buyers Dec 15, 2005, RealEstateJournal.com Housing starts rise, core inflation tame Dec 20, 2005, Yahoo! Finance Dubai firm in 26.6-billion-dollar Saudi project (AFP) Dec 20, 2005, Yahoo! News Number of New Homes Increase for a Strong Year Dec 20, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages