real estate investment seminars

National REIA - About Us Member login Click Here Upcoming Events Annual Mid-year Conference Whether you're struggling to start a group, struggling to grow a group or just struggling against the inertia of an established group, you and your board can't afford to miss this great conference! Cruise National REIA produces extraordinary real estate investment seminars at sea, led by some of the world's most respected real estate speakers on board the most exciting cruise ships in the world! Mini Leadership Conference The Leadership Institute and Real Wealth Expo is where you'll experience even more to help you and your organization succeed. Come to our leadership events to explore trends, find new meaning in your current responsibilities, develop tactics to tackle your organization's challenges, and create new ways to think about the future! Click to here read more Menu Legislative Updates Members Start A Local Group Benefits Package Book a Speaker National Real Estate Investors Association's mission is to educate and support the leaders of real estate associations through training, networking, motivation, and provision of benefits to their associations. Quote of the Month: Life is the lively process of becoming. --General Douglas Mcarthur Get an Education on Your Vacation! The National Real Estate Investors Association invites you to Find out more about our annual cruise! We're Cruisin' Again! Want to know more... Have you heard all the talk around the country about our Real Estate cruise!!! Don't Miss Out! Spaces are limited! Click Here To Find Out More Click on the above link for more information about The REIA Toolbox. New!!! Online Training Click to register for our new online training. Training will be a multimedia experience with audio, video and printable materials available, featuring the best local and national speakers and trainers. Coming February 1st! Start A Local Group We'll show you how to start a new group and watch it grow with membership in the National REIA! Or expand membership of an existing group. You can offer exclusive benefits to your members through National REIA. Start A Group Today: Click Here! Discounted books on non-profits and association management. Referrals from those who call our 800# or visit our website. Listing on National website for those browsing via the Internet. Annual Education Conference and Cruise with revenue sharing. Annual Mid-year Leadership Conference to learn hints, tips, and shortcuts. learn more... Your Voice on Capitol Hill Click here to find more information on how NARHRI is protecting our industry on Capitol Hill. National REIA is pleased to announce our affiliation with the National Association of Responsible Home Rebuilders and Investors. Read our Letter of Support by clicking here. Leadership & Advanced Investor Conference October 4-8, 2006 EMI Resorts and REIA have partnered to create a very special offer to introduce the resort and this important conference to you and your family. Join us for five days of education and relaxation in the Dominican Republic! Click Here to see the 2005 Schedule Click Here to Register for 2006 Frequently Asked Questions about traveling to the Dominican Republic HOME :: ABOUT US :: GROUPS :: VENDORS :: CONTACT US National REIA .Com 2005 :: Website By SuccessTeam1

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Federal Trade Commission -- Search: Facts for Consumers PDF Version Looking for the Best Mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Obtain Information from Several Lenders Home loans are available from several types of lenders— thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you're getting the best price. You can also get a home loan through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers' advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender's origination or other fees. A broker's compensation may be in the form of "points" paid at closing or as an add-on to your interest rate , or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain All Important Cost Information Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. Ask whether the rate is fixed or adjustable . Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. Ask about the loan's annual percentage rate (APR). The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. Check your local newspaper for information about rates and points currently being offered. Ask for points to be quoted to you as a dollar amount—rather than just as the number of points—so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees , broker fees, and transaction , settlement, and closing costs . Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates. Ask what each fee includes. Several items may be lumped into one fee. Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet in this brochure. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans . If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. Ask about the lender's requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Ask your lender about special programs it may offer. If PMI is required for your loan, Ask what the total cost of the insurance will be. Ask how much your monthly payment will be when including the PMI premium. Ask how long you will be required to carry PMI. Obtain the Best Deal That You Can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage . When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You'll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There's no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you'll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. The Mortgage Shopping Worksheet that follows may also help you. Take it with you when you speak to each lender or broker and write down the information you obtain. Don't be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal. Fair Lending Is Required by Law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant's income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems? Still Shop, Compare, and Negotiate Don't assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders. If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don't assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it's a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: (800) 685-1111 TransUnion: (800) 916-8800 Experian: (888) EXPERIAN (397-3742) Glossary Adjustable-rate loans , also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly know as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys' fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. This brochure was prepared by the following agencies: Department of Housing and Urban Development Department of Justice Department of the Treasury Federal Deposit Insurance Corporation Federal Housing Finance Board Federal Reserve Board Federal Trade Commission National Credit Union Administration Office of Federal Housing Enterprise Oversight Office of the Comptroller of the Currency Office of Thrift Supervision These agencies (except the Department of the Treasury) enforce compliance with laws that prohibit discrimination in lending. If you feel that you have been discriminated against in the home financing process, you may want to contact one of the agencies listed above about your rights under these laws. For more information on home lending issues , visit www.consumer.gov , write to the Consumer Information Center, Pueblo, CO 81009 or visit the Center's Web site . The following brochures are available from the center: A Consumer's Guide to Mortgage Lock-lns A Consumer's Guide to Mortgage Refinancing Buying Your Home: Settlement Costs and Helpful Information Consumer Handbook on Adjustable Rate Mortgages Guide to Single Family Home Mortgage Insurance Home Buyer's Vocabulary Home Mortgages: Understanding the Process and Your Rights to Fair Lending How to Buy a Home with a Low Down Payment How to Dispute Credit Report Errors The HUD Home Buying Guide When Your Home Is on the Line Mortgage Shopping Worksheet Lender 1 Lender 2 Name of Lender Name of Contact Date of Contact Mortgage Amount Basic Information on the Loans Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Type of Mortgage: Fixed rate, adjustable rate, conventional, FHA, other? If adjustable, see below. Minimum down payment required Loan term (length of loan) Contract interest rate Annual percentage rate (APR) Points (may be called loan discount points) Monthly Private Mortgage Insurance (PMI) premiums How long must you keep PMI? Estimated monthly escrow for taxes and hazard insurance Estimated monthly payment (Principal, Interest, Taxes, Insurance, PMI) Fees Different institutions may have different names for some fees and may charge different fees. We have listed some typical fees you may see on loan documents. Application fee or Loan processing fee Origination fee or Underwriting fee Lender fee or Funding fee Appraisal fee Attorney fees Document preparation and recording fees Broker fees (may be quoted as points, origination fees, or interest rate add-on) Credit report fee Other fees Other Costs at Closing/Settlement Title search/Title Insurance For lender For you Estimate prepaid amounts for interest, taxes, hazard insurance, payments to escrow State and local taxes, stamp taxes, transfer taxes Flood determination Prepaid Private Mortgage Insurance (PMI) Surveys and home inspections Total Fees and Other Closing/Settlement Cost Estimates Mortgage Shopping Worksheet - continued Lender 1 Lender 2 Name of Lender Other Questions and Considerations about the Loan Mortgage 1 Mortgage 2 Mortgage 1 Mortgage 2 Are any of the fees or costs waivable? Prepayment penalties Is there a prepayment penalty? If so, how much is it? How long does the penalty period last? (for example, 3 years? 5 years?) Are extra principal payments allowed? Lock-ins Is the lock-in agreement in writing? Is there a fee to lock-in? When does the lock-in occur -0 at application, approval or another time? How long will the lock-in last? If the rate drops before closing, can you lock-in at a lower rate? If the loan is an adjustable rate mortgage: What is the initial rate? What is the maximum the rate could be next year? What are the rate and payment caps each year and over the life of the loan? What is the frequency of rate change and of any changes to the monthly payment? What is the index that the lender will use? What margin will the lender add to the index? Credit life insurance Does the monthly amount quoted to you include a charge for credit life insurance? If so, does the lender required credit life insurance as a condition of the loan? How much does the credit life insurance cost? How much lower would your monthly payment be without the credit life insurance? If the lender does not require credit life insurance, and you still want to buy it, what rates can you get from other insurance providers? The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues , visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel , a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. January 1999

Home Equity Loans 125

Mortgage Loans - Mortgage Refinance - Debt Consolidation Loan - Home Loans - Equity Loans Home Contact Us About Us Site Map MORTGAGE LOANS Mortgage Refinance Debt Consolidation First Time Home Buyer Home Equity Loans 125 Equity Loans Refi Cash-Out Second Mortgage Construction Loans OTHER LOAN OPTIONS Personal Loans Auto Loans Credit Cards UK Loans Canada Loans LOAN TOOLS Mortgage Calculator Mortgage Terms Your Credit Score Mortgage FAQs LENDER TOOLS Lender Login Lenders Join Our Network Affiliate Program Mortgage Refinance Do you want to lower your interest rate? Do you need to get some cash out? Still paying a high interest rate on your mortgage? That extra money could be yours each month. Start Your Refinance Quote 125 Equity Loan Eliminate your debts with a 125 home equity loan, and save hundreds of dollars every month. Start Your 125 Equity Loan Quote Debt Consolidation Loan Feeling a bit squeezed, financially? Behind on your bills? Having difficulties with credit card debt? Let our network of debt consolidation loan lenders customize a loan package tailored to your special needs and goals. Start Your Debt Consolidation Quote Refi Cash Out Let our lenders save you money, change the term of your loan, and consolidate all of your debts into this new refinance loan with a cash out option. Start Your Refi Cash Out Quote First-Time Home Buyer Now that you’ve found your new dream home, where do you start? Let our network of new home purchase lenders get you into the new home of your dreams. Start Your New Home Loan Quote Second Mortgage Weve searched carefully through thousands of lenders and have chosen the top lenders in the country. Start Your Second Mortgage Quote Home Equity Loan When looking for a home equity loan or equity line of credit, you may be wondering, "how much loan do I qualify for" and "can I qualify for enough to pay off those debts that have been piling up?" Start Your Home Equity Quote Construction Loan Whether youre building your first home a retirement home, or youve just waited to build your dream home, our network of home construction lenders can finance the home of your dream. Start Your Construction Loan Quote Mortgage Loans | First Time Home Buyer | Refinance | Home Equity Loans | Debt Consolidation Loans | Credit Cards | Personal Loans | Auto Loans | Credit Score | | UK Loan | Canada Loans | Terms of Use | Privacy Policy | Resources | Lender Login | Lenders Join Our Network 2003-2005 iMortgageCentral. All Rights Reserved.

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Harris County Clerk's Office -- Welcome ! The Harris County Clerk's office is a State Constitutional office with the duties of County Clerk varying somewhat in each of Texas’ 254 counties. In Harris County, the County Clerk wears three hats. As clerk, she maintains the records of Commissioners' Court, County Probate Courts, and County Civil Courts at Law. As a recorder, she is responsible for real property records including state and federal tax liens; vital statistics records such as marriage licenses; assumed names; and uniform commercial code records. As chief election official for the third largest county in the country, she administers county and state elections and also contracts for election services for political parties and smaller jurisdictions such as the City of Houston. The current County Clerk, Beverly Kaufman, was appointed to the office on March 11, 1994 and was elected to a full four-year term in November 1994 by sixty-one percent (61.3%) and re-elected in 1998 and 2002. She employs 311 regular employees and an additional 400 temporary employees during county election cycles. Her annual budget is approximately $24 million and she collects revenues through fees for numerous services provided such as property record filings, issuing marriage licenses, and processing court documents. The fees are used for a wide array of improvements including record preservation efforts to protect many of the county’s older documents. Mrs. Kaufman is also responsible for registry accounts created by probate and county court orders. Current total registry accounts average $70 million but have been known to reach the $100 million level during peak county condemnation periods for infrastructure expansion. The Harris County Clerk's Main Office is located in the Harris County Administration Building at 1001 Preston, on the 4th floor. Mailing Address BEVERLY KAUFMAN HARRIS COUNTY CLERK P.O. BOX 1525 HOUSTON, TEXAS 77251-1525

Denver Real Estate Site

Search Denver MLS real estate; Colorado relocation information Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] only search Denver Real Estate Site Denver Real Estate Listings Never miss out on a new property again! Your criteria needs to be input to the following forms. Once completed the entire data base of the Denver Metro List will be searched. You will NOT receive an immediate response. The data is sent to a third party company, hired by me; you will receive and e-mail with the matches that fit your criteria. Hints for submitting; Try not to be VERY specific when inputting lot size, age, square footage. If you have any questions at all, e-mail me for assistance. In a short time I can help you, saving you time and trouble! Be precise with your e-mail address Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog