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

Home Equity Line (introductory

Home Equity Loans at NetBank -- PERSONAL FINANCE > LOANS > HOME EQUITY You've worked hard to build equity in your home - now may be the time to use it. Featured HELOC Rate APR* Home Equity Line (introductory rate fixed for 6 months as low as 7.25% APR thereafter) 6.25% (Intro Rate) Home Equity Loan 6.75% How muchwill my payments be? More home equity calculators and guides Cash in on your home's equity and... Pay off high interest credit card debt Renovate your house, build a pool or buy a boat Pay for education expenses or go back to school Have some fun and go on the vacation of your dreams Plus, save at tax time; the interest you pay may be tax deductible* With potential tax advantages, and interest rates lower thanmost other kinds of consumer credit, equity products are smart,powerful tools that can help manage one of your most important assets- your home. Determine the best solution for you: Home Equity Line of Credit Home Equity Loan Interest-only payments for the first 10 years Open end line of credit with flexible, convenient access to your funds No application fee or lender closing costs Credit lines up to $250,000 Fixed payment and rate 5-, 10- and 15-year fully amortizing loan terms available Minimum loan amount as low as $10,000 Borrow up to 100% of the value of your home Loan amounts up to $200,000 Apply how you want, when you want: Apply online Available anytime, any day of the week Call 866-461-5028 Monday - Friday, 8:30 AM - 6:00 PM (ET) Already started the loan process? Click here to complete your application Learn More Important Notices *APR varies according to your credit history and other factors. Homeowners insurance is required. Document stamp costs as well as recording fees and taxes for your county/state may apply. Maximum APR for a Home Equity Line of Credit is 18%. Following are examples of the APR and monthly payments for a 5-, 10-, and 15-year home equity loan (assuming a $50,000 loan amount with 10% equity): For a 5-year term, the APR is 6.352%** with 60 monthly payments of $19.50 per $1,000 borrowed; For a 10-year term, the APR is 6.187%** with 120 monthly payments of $11.20 per $1,000 borrowed; For a 15-year term, the APR is 6.132%** with 180 monthly payments of $8.50 per $1,000 borrowed. * Consult your tax advisor. ** As of 2/7/05 View Application Status About Us | Privacy | Security | Careers | Contact Us | Locator | Site Map 2005 NetBank, Inc. All Rights Reserved.

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Amazon.com: House of the Dead: DVD Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! The worst Modern Horror Films : A list by Jason Voorhees "Jason V" Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 183 used & new from $0.70 Have one to sell? House of the Dead (2003) Starring: Jonathan Cherry , Tyron Leitso Director: Uwe Boll Rating: See larger image Share your own customer images List Price: $18.00 Price: $15.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $2.01 (11%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 183 used & new available from $0.70 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape House of Dead (2003) (Spanish) (Sub) $44.98 $42.73 VHS Tape House of Dead (2003) $9.98 $9.48 34 used & new from $0.45 Better Together Buy this DVD with Alone in the Dark DVD ~ Christian Slater today! Total List Price: $37.98 Buy Together Today: $33.98 Customers who bought this DVD also bought Alone in the Dark DVD ~ Christian Slater Boogeyman (Special Edition) DVD ~ Barry Watson Saw (Widescreen Edition) DVD ~ Leigh Whannell The Texas Chainsaw Massacre DVD ~ Jessica Biel Explore Similar Items : in DVD , in Books Storyline Genres: Horror , Thriller , Action , Mystery Tagline: The dead walk...You run Plot Outline: A group of teens arrive on an island for a rave--only to discover the island has been taken over by zombies. The group takes refuge in a house where they try to survive the night. Plot Synopsis: This film is a prequel to all of the The House of the Dead video games. Set on an island off the coast of Florida, a techno rave party attracts a diverse group of college coeds and a Coast Guard officer. Soon, they discover that their X-laced escapades are to be interrupted by zombies and monsters that attack them on the ground, from the air, and in the sea, ruled by an evil entity in the House of the Dead... Plot Keywords: Cleavage | Spin Off From Video Game | Gun | Zombie | Based On Video Game | Island | Florida Keys | Martial Arts | Nudity | Decapitation | Gore | Severed Head | (Show all 68 plot keywords recommended by customers) Product Details Actors: Jonathan Cherry , Tyron Leitso , Clint Howard , Ona Grauer , Ellie Cornell , See more Directors: Uwe Boll Format: Closed-captioned, Color, Dolby, Dts stereo, Widescreen, Ntsc, Widescreen Anamorphic Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Aspect Ratio: 1.85:1 Rated: (Not for sale to persons under age 18.) Studio: Live / Artisan DVD Release Date: January 27, 2004 Run Time: 90 min (original theatrical or airing runtime) Average Customer Review: Based on 287 Reviews DVD Features: Available Subtitles: English, Spanish Available Audio Tracks: English (DTS 6.1 ES), English (Dolby Digital 5.1 EX), English (Dolby Digital 2.0 Stereo) Commentary by: director Uwe Boll, post-production supervisor Jonathan Shore, producer Shawn Williamson, and actor Jonathan Cherry (Unknown Format) Commentary by: executive producer Mark Altman (Unknown Format) Deleted scenes "Behind the House: Anatomy of the Zombie Movement" making-of featurette "Stacked for Zom-Bat: The Sexy Babes of House of the Dead Prepare for Battle!" Sneak peek of new Sega game Nightshade From IMDb: Quotes & Trivia ASIN: B0000YEE6C Amazon.com Sales Rank: #12,784 in DVD Theatrical Release Information US Theatrical Release Date: October 10, 2003 MPAA: for pervasive strong violence/gore, language and some nudity. Production Company: Boll Kino Beteiligungs GmbH & Co. KG, Brightlight Pictures Inc., Herold and Besser Studios, Mindfire Entertainment USA Box Office: $10 Million Budget Estimate: $7 Million Filming Locations: Vancouver, British Columbia, Canada Editorial Reviews Amazon.com The usual slasher-movie teens charter a boat to attend a rave in Washington's San Juan islands, find zombies there, and splatter their guts all over the place. House of the Dead shows early promise when the boat captain is the dude from Das Boot (Jürgen Prochnow) and the mate is the inimitably weird Clint Howard. Alas, things devolve from there. The movie includes frequent flashes from its video game inspiration, not that we need much reminding of the obvious source. Amongst the rotten dialogue, bad acting, and gratuitous topless scenes, there's one looooong shootout sequence in the middle of the picture that should be the main attraction for fans of this kind of thing. Otherwise, it's at the level of every other slasher movie, video game or no video game, in which stupid people do stupid things to keep themselves in harm's way. --Robert Horton Customers who viewed this DVD also viewed Dawn of the Dead (Widescreen Unrated Director's Cut) DVD ~ Boyd Banks Elektra (Widescreen Edition) DVD ~ Jennifer Garner Land of the Dead (Unrated Edition) DVD ~ Simon Baker Blade - Trinity (Unrated Widescreen Edition) (New Line Platinum Series) DVD ~ Wesley Snipes Explore Similar Items : in DVD , in Computer & Video Games Spotlight Reviews Write an online review and share your thoughts with other customers. 47 of 50 people found the following review helpful: Lord have mercy! , March 30, 2004 Reviewer: Shawn Watson "God of Gods" (Badger's Brook, Scotland) - See all my reviews There are people out there who will greenlight anything! That is the only explanation I can offer as to why the House of the Dead movie exists. And that's only scary part to the whole movie. It's so bad you'll go off movies forever. I seriously wanted to switch this off and turn the TV over to the Paint Drying channel but I was bound by my word to suffer the whole thing. I don't know why I do these bad things to myself. As if it matters, here's the basic jist of the 'story'. A group of twenty-somethings are so desperate to go out to some island in the Pacific Northwest (Canada actually, because it's cheap) for the 'Rave of the Century' (which consists of about 8 people and un-raving music) that they pay some craggy old fisherman $1000 to take them there after they miss the main ferry. That's gotta be some rave to be worth all that dough! The fisherman warns them that the island is also known as the Island of the Dead (hang on-I thought this was HOUSE of the Dead?) and that they are all doomed yadda yadda yadda. First faults here. Why would a tiny little rave (of the Century my foot!) be held on some remote island? Why would anyone willingly pay loads of money to get it? Why pay even more to the craggy old fisherman to take them back when they could just come back with the others? Once they arrive they discover that the rave (which consists of about 2 tents, a small stage and a port-a-john) has been smashed, there's blood everywhere and no one is around. What would any rationally thinking person do? Run for their lives of course. But no, these clueless, obviously blind people decide to go look for them. Soon enough they discover an old ramshackle house that's 50 times as big on the inside as it is on the outside. Another half hour of stumbling around in the forest follows, as an excuse to kill of some of the lesser characters, and after much tedium they arrive back at the house again. The characters, like the movie, go nowhere. Jammed into this ghastly disaster is a superabundance of gibberish dialogue, heinous acting, mumbo-jumbo exposition and zillions of clips from the once-popular arcade game of the same name. Why this was universally accepted as a good idea with the filmmakers I'll never know. The clips have no reference to any of the scenes and only degrade this trash even further, if that is at all possible. It has nothing to do with the game save for some cheap, throwaway line at the end. It makes Resident Evil look like cinematic glory. Hell, even the Double Dragon movie seems multi-Oscar worthy in comparison to this junk. The only one who comes out of this with his dignity still intact is Jurgen Prochnow. He could have just taken his money and ran but he tries his best with the awful script and brings a tiny bit of pathos to his character. The rest of the cast suck I'm afraid. The characters are idiots and deserve to die. Plus, if you cut out the swearing and pointless nudity, I see no reason why this film cannot be shown on Saturday morning TV. It's not frightening in the slightest. Pirates of the Caribbean is more scary than the skeletal bad guys in this film. And where did all those bad guys come from anyway? There were only a few people on the island to begin with. I guess this justifies the reason they chose to reuse footage over and over. I kid you not, you'll see the same zombie die a dozen times. Who's ultimately to blame for that scandalous waste of celluloid? None other than director Uwe Boll. His control over the movie is non-existent. You can clearly the see actors have no idea what they should be doing and that the zombies aren't really taking it all seriously. The actors seem like they're reading off cue cards as they constantly pause in the middle of long sentences and carry on talking as soon as they see the next card. It all feels very unnatural. Plus the film is shot like a two-part mini-series. I have indeed seen better TV productions. And don't get me started on the editing. The film is an incoherent babble with thousands upon thousands of pointless shots and dozens of meaningless camera pans. No real skill or talent was put into making this at all. It truly baffles and boggles the mind how movies this unfathomably bad can get made and George A. Romero can't even get anyone to take his calls. House of the Dead makes some idiotic reference to Romero in a lazy attempt to be 'post-modern' but it only irritates that they think THIS is in the same league as a REAL zombie movie. For what it's worth, the 1.85:1 anamorphic picture looks great and the Dolby 5.1 soundtrack is clean but very unimpressive and only serves to pronounce the heavily over-used ADR even more. The DVD comes with extras but why torture yourself. Isn't this review warning enough? Stay away! You are all doomed I tell you! Doomed! Doomed!!! Was this review helpful to you? ( Report this ) 11 of 12 people found the following review helpful: Bad, but not fun in the way some bad films can be. , November 9, 2004 Reviewer: Christian Hokenson (Burbank, CA United States) - See all my reviews Folks, save yourselves from "House of the Dead." This is pretty atrocious filmmaking at its most insulting. Worse than even "Resident Evil." I know, I know... they are just videogames, not a movies (but if you check out the special features junk on the "House of the Dead" DVD you can find out the filmmakers had a much different, and much higher opinion of their effort). "House of the Dead" offers lots of action but, as usual for today's young auteurs weened on MTV, it's pretty damn hard to follow and, after a while, it becomes repetitious to the point of sheer boredom. The acting is rotten (save for Jurgen Prochnow (it's a long way from Das Boot, ain't it captain) and the ever weird, always interesting Clint Howard (it's a long way from "Evilspeak" isn't it Coopersmith)), the special effects are decent (when you can see them, and hey... ALL special effects should be decent nowadays, shouldn't they... no points there). The direction is nearly non-existent, and the screenwriting is simply bad... but not bad in a fun way-- the way you can play drinking games with a movie or MST3K it to death on a Friday night around the hookah. I can't even really bring myself to call this a horror film, for not once was I horrified save for the moment, toward the end, where I thought to myself, "y'know, you've actually wasted nearly two hours of your life on this inglorious piece of poop, man." This "film" has the temerity to namecheck George A. Romero and his (as one character aptly puts it) "Holy Trilogy" of zombie classics: "Night, Dawn and Day" natch. Well, 'tis true.. Romero is clearly sui generis when it comes to apocalyptic zombie horror. No need to run (as the current spate of zombies is wont to do), for there's nowhere to hide. Romero at the very, very least has an understanding of the basic rules of filmmaking that at least keep a viewer's interests alive for his dead folks... not only that, but he clearly understands the most basic rules of drama and character. I know many folks that didn't grow up with Romero's films might look at them with some derision regarding black n' white zombies in "Night of the Living Dead" or the baby-blue flesh and Crayola day-glow colors of blood from "Dawn of the Dead." Yet, Romero knew how to handle the gory violence in his films (over-the-top and with great shock-value) and, in the end, Romero wasn't simply striving for realism in gore so much as he was trying to make a valid (still valid!) point about how human beings act in a society under severe stress. He had something to SAY, and he was able to SHOW it without lots of lame-assed exposition that passes for dialogue these days. Uwe Boll on the other hand, knows at least how to load a camera and keep it running (and running and running and running). But he has no sense of story whatsoever, no sense of pace, no sense of continuity and no sense of fun. This is a dreary exercise in crap filmmaking with a decent-sized budget... the kind of budget Romero should have had for his underrated films, but hey! at least Romero knows how to use a dollar wisely. Boll seems to be a kid on the ultimate sugar high as he spends money on fancy camera angles, weird point-of-view shots, CGI gore, and buffed out stuntpeople as decayed corpses... and yes, I know this movie is really just a videogame. In fact, the "director" even goes so far as to include shots from that videogame as segues to his badly choreographed action sequences. After the first few heads a-poppin' (yay, for gun violence) it gets rather dull, and then the action speeds up even more in order to keep the audience awake and, well, just plain confused from what I could see. Boll hits all the cliches just right... POV of the bullet going into flesh and inanimate objects, bullet-time cinematography (can someone please put a stake in the heart of this visual stunt once and for all?!?) and of course some good-lookin' young adults with sawdust for brains and the martial arts skill of Bruce Lee flippin' the bird to the laws of physics. It's inane, it's astonishingly lame and it's insulting to sit through, and yet I did, just so you can avoid having to sit through it too! One thing about George A. Romero and his highly regarded trilogy of zombie films: the zombies themselves were often secondary to the living human characters they sought to munch on. They were scary because you could clearly see they were no longer reasonable human beings-- your family, your friends-- but just dead things with a devastating single-minded instinct for moving foward toward a hot lunch. It didn't matter if they ran or did Cirque d'Soleil-style acrobatics in order to get to you, or just simply lurched. The zombies were always a wave of nearly unstoppable slowness, and thus a very handy metaphor for everything from groupthink to mall shoppers on a Sunday afternoon. In "House of the Dead" the zombies are just fodder, nothing but magnets for lead projectiles... and yes, I know, it's just a videogame. In the end, avoid this load of manure and check out Romero's films if you haven't yet (and, really, what self-respecting zombie fan has not seen them yet?!?). If you can't handle character building, drama and a fairly amazing story of the breakdown of society due to lack of cooperation among the living (and, yes, plenty of gore), then I say turn to either "Re-Animator" or, better yet, "Return of the Living Dead" which at least also manages to tell a story and offer up some halfway decent acting with he gore. Both of those films also offer copious amounts of nudity for you teenage horror fans who seemingly can't get close to the real thing... and yes, I know the videogame movie does too, but the other movies have the added benefit of actual skilled filmmakers behind the scenes, while "House of the Dead" does not. "Return of the Living Dead" actually gives the horror fan a shining example of what "House of the Dead" could have been in the right hands. One film is loads of fun (and hey, by the way, Romero's films offer fun and humor in spades lest you think they are simply turgid sociological dissertations), and the other is so much less than fun it could lead to suicide. I know I wanted to off myself just for getting through to the credits. The films of Romero along with Peter Jackson's brilliant, low-budget "Braindead/Dead Alive," and the recent releases of "28 Days Later" (a quasi-zombiefest) and the hilarious (and quite bloody) "Shaun of the Dead" all offer far more entertainment value (key words here, folks) than "House of the Dead." These films all have some quirky things to say about life along with loads of furious bloodletting, while "House of the Dead" is simply a lot of sound and fury signifying nothing. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. Give it a break! , December 28, 2005 Reviewer: Erick Irungaray "erickufo" (el paso, texas United States) - See all my reviews What do the people expect out of a movie that is based on a real shooting arcade game? We all know that lately, most of the horror movies suck now in these days, don't they?. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: OMG , December 6, 2005 Reviewer: Jonas Brock (Tampa) - See all my reviews I expect horror movies to be somewhat bad or silly, but this was unreal. Avoid at all cost. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: This is bad. , November 13, 2005 Reviewer: Kimberley Wilson (VA USA) - See all my reviews House of the Dead is based on a video game I had no expectations that it would be good but I was astonished at how bad it is. While watching it I kept thinking that it must be a parody. Surely Uwe Boll was joking when he did this, right? He's mocking bad horror movies, right? Wrong. I suspect that everybody who worked on this film was serious. This movie is so bad it's pathetic. It' likes watching Old Yeller get shot, seeing Litte Timmy drown in the well and finding out that the department store Santa is just a guy from Skid Row who was sobered up for the evening. I won't get into the plot becuase there aint any but there's a scene in it that's so dumb it haunts me and is a perfect example of the whole film. One of the "teens" (Why do teenagers in horror movies all look like they're on the wrong side of 30?) decides to fight the zombies with karate. Karate on the undead. Think about that. I don't care if you studied for five years under Pei Mei and David Carradine was your sensei, karate is not going to cut it when fighting zombies unless you're going to do the flying walk to safety thing. She gets eaten of course and one of her companions just stands there and looks. He has no reaction at all. The actor plays the scene like he's at the beach. Some bad horror movies are funny is a goofy sort of way. Others are mildly interesting because somebody at least tried to do something with them but this is just miserable. How this thing got to the theaters is some kind of mystery. Was this review helpful to you? ( Report this ) 5 of 5 people found the following review helpful: Holy crap, this movie is terrible , November 1, 2005 Reviewer: Michael J. Gold - See all my reviews I've seen some bad movies in my time, but man this one really takes the cake. I can't believe this garbage was put in theatres. The acting is hilarious. I love how there are zombies all over, and one guys girlfriend even turns into one and attacks him, then gets shot repeatedly. The boyfriend just kinda shrugs it off. No emotion at all. NOTHING Although my favorite part ever that me and my friend are now quoting non stop is the heartfelt scene where Curien is crying about how some lady died, he says (and i quote) She's dead, i didn't save her.. IT WAS MY FAULT... Were you here? did you see it? Did you see watch them rip her apart? SEE WATCH them rip her apart. I had to rewind to make sure i wasn't hearing things, then i put on the subtitles. Was that REALLY their best take? Man this movie is horrible and that's what makes it great. One of those corny ass flicks you can watch just to laugh at. Was this review helpful to you? ( Report this ) See all 287 customer reviews... Listmania! The Scariest and Coolest Moder... : by K. S Schneider The Good, The Bad, and The Ugl... : by Lunar Strain The worst Modern Horror Films : by Jason Voorhees "Jason V" So You'd Like to... Remember why they call film art : by Colin Nickell , Amateur Movie Critic Know How to Survive the Best Zombie Movies? : by hitlercosmetics , Zombie movie lover. watch the 100 worst movies of all time : by Joseph Dewey , a fan of really horrible movies Fun Facts from IMDb.com: Awards Click here to see more Awards Fangoria Chainsaw Awards: Chainsaw Award for Worst Film Leo Awards: Leo for Feature Length Drama: Best Make-up Trivia Click here to see more Trivia The movie is set before the events of the first House of the Dead video game. At the end of the film the survivors are rescued by a helicopter. As it is landing two men dressed in trench coats get of the helicopter. This is a reference to the original House of the Dead video game in which the protagonists are two special agents in over coats. Goofs Click here to see more Goofs In the laboratory, one of the supposedly gray, rotting, skeletal zombies lying on a table has a very visible pink, healthy nose sticking out of its skull. Crazy Credits Click here to see more Crazy Credits The opening credits play over video of the games, from both the arcade andDreamcast versions, begining with the famous "You must stop Curien!" scenefrom the game! Movie Connections Click here to see more Movie Connections Followed by: House of the Dead 2: Dead Aim Edited from: House of the Dead Quotes Click here to see more Quotes [pointing on a zombie in the water] Greg : Shoot it! Capt. Victor Kirk : What do you think I am trying to do, you f***ing moron? Rudy : You did all this to become immortal. Why? Castillo : To live forever! 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