Home Mortgage

U.S. Bank - Personal banking including checking accounts, online banking and much more Skip Navigation: Internet Banking Login Skip Navigation: Products and Services About U.S. Bancorp Careers Locations Contact Us Customer Service Internet Banking Personal ID Password Forgot Password or ID? Enroll in Internet Banking. Connection Secured Login to Other Services Online Investing Mortgage Account Visa Buxx TrustNow Asset Management Online Institutional Retirement Plans Let Internet Bill Pay Save You Time! Online Account Access Internet Banking Internet Bill Pay Internet Banking Demo Online Investing Checking & Savings Checking Accounts Savings Accounts & CDs Check Cards With Rewards Order Checks Credit Cards & Prepaid Cards Credit Cards Your Credit Card Account Online Visa Gift Cards Credit Protection Mortgage Mortgage Programs Pre-Qualify for a Mortgage First Time Homebuyer Find a Loan Officer Loans & Credit Lines Home Equity Student Loans Auto Loans Personal Loans & Lines of Credit Financial Management Personal Trust & Private Banking Learn About Investing Find a Financial Consultant Insurance See more products and services. View Today's Rates Mortgage Checking Savings CDs Personal Line of Credit Apply for Accounts & Loans Get an instant decision on your application. - Select an Account - Auto Loan Boat Loan CDs Checking Credit Card Health Savings Account Home Equity Line of Credit Home Equity Loan Lines of credit Mortgage RV Loan Savings Student Loans Visa Buxx © 2005 U.S. Bancorp Member FDIC Equal Housing Lender Privacy Pledge Site Map

Purchase Property

REALTOR.com: Real estate listings & homes for sale Welcome, Visitor! Sign Up to: Save Searches Save Listings Sign Up Now! Already a member? Sign In Homebuying Tools Find a Lender Find a Mover Market Conditions Neighborhood Tour Real Estate 101 Buyers Sellers For REALTORS® Resource Center News REALTOR.org Search the Web Select a Top Search: Bad Credit Contractors Homeowner's Insurance Debt Consolidation Interior Design Mortgage Rates Loan Types Rates Points 30-yr fixed 5.74% 0.37 15-yr fixed 5.39% 0.28 ARM 3/1, 30Yrs 4.87% 0.26 Updated: 12/29/2005 12:26:48 PM Check Local Rates Search our national directory of mortgage brokers and lenders. Find a Home Over 2.5 million listings for sale! State/Province AB AK AL AR AZ BC CA CO CT DC DE FL GA GU HI IA ID IL IN KS KY LA MA MB MD ME MI MO MN MS MT NC ND NE NH NJ NM NV NY OH OK ON OR PA PR RI SC SD TN TX UT VI VT VA WA WI WV WY - OR - Minimum Price $0 $500 $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 to Maximum Price $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 no maximum Beds 1+ Beds 2+ Beds 3+ Beds 4+ Beds 5+ Beds Baths 1+ Baths 1.5+ Baths 2+ Baths 2.5+ Baths 3+ Baths 3.5+ Baths 4+ Baths More Search Options Map Search Hurricane Relief Find or offer immediately available temporary housing to assist Hurricane victims: HurricaneHousing.net Relief.WelcomeWagon.com -- Find a REALTOR State/Province Alabama Alaska Alberta Arizona Arkansas British Columbia California Colorado Connecticut Delaware District Of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Manitoba Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Ontario Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming From the National Association of REALTORS ® Join REALTORS® in supporting hurricane victims Why Use a REALTOR® With a GRI? Make the most of every moment with FamilyTime, an interactive DVD celebrating the family. Visit REALTOR® Magazine Online Read current NAR Press Releases For REALTORS ® REALTORS Relief Effort exceeds $5.2 million for Hurricane victims, donate now... Enter the Business Success Zone at REALTOR.org! Find out how REALTOR.com can help you secure more listings, sell homes for more and promote yourself and your brand NEW name for NAR member benefits offeringsthe REALTOR Benefits(sm) Program. Learn about the practical, everyday solutions for your professional and personal life! Reach new levels of success with NAR partner, The Pacific Institute! About the National Association of REALTORS ® Representing Home Owners State & Local Associations Real Estate Specialty Organizations Find an Appraiser Find a Commercial Property International Real Estate Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.

Real Estate Broker

Halstead Property | Halstead: Manhattan Real Estate Brokers NYC residential property listings New York City By Web ID # By Address For Agent By Keyword New Listings Properties for Sale Properties for Rent Open Houses Featured Properties Sales Developments Rental Developments About Project Marketing View All Faces View By Last Name View By First Name View By Office View By Languages Spoken Manhattan Brooklyn Services for Individuals Broker Referrals Corp. & Relocation Mgt. Companies The Halstead Relocation Team Why Halstead Relocation? Recent Press Market Reports Buyer's Guide Renter's Guide Glossary of Terms Who are we? Why Halstead? Property Mgmt. History Executives Terra Holdings Marketing Offices Contact Us halstead today -- -- Happy Holidays from Halstead Property To all of our friends and family, to all of our customers and clients in and around New York and to all who visit Halstead.com: have a happy and peaceful holiday season. We wish you all a joyful and prosperous New Year, and look forward to serving you in 2006 and beyond. featured new development 50 Madison is where the best of old New York meets new. Rising on the corner of the elegant Madison Square Park, this luxury condominium combines a restored 1898 mansion with a new 8-story tower skillfully designed by the renowned firm of Platt Byard Dovell White. View Website publications and reports Halstead Property publishes extensive resources for customers interested in buying, selling or renting property in the New York area. Read our latest publication View all Halstead publications featured properties 433 EAST 51ST STREET Midtown East $5,250,000 1965 BROADWAY Upper West Side $2,465,000 240 RIVERSIDE BOULEVARD Upper West Side $2,800 View all Featured Properties log into my halstead Sign up for My Halstead | What is it? Username: Password: 30 Year Fix 5.125% 5.49% Provided by --

Denver Real Estate Buyers

METRO DENVER Real Estate, Metro Denver CO Homes for Sale, Highlands Ranch Real Estate Metro Denver Real Estate Toll Free 1-888-406-2259 Denver Real Estate Buyers Denver Real Estate Sellers Or, if you would like us to personally run your daily Denver Real Estate searches for you, click Run It For Me . Community Information + Detailed Maps of Metro Denver Area NEGOTIATING 101 See over 27,000 Metro Denver Home Listings In The Colorado M.L.S. Homes FOR SALE: View Here Servicing All Metro Denver Communities Denver Aurora Castle Rock Cherry Hills Centennial Englewood Greenwood Village Golden Castle Pines Cherry Creek Highlands Ranch Ken-Caryl Ranch Lakewood Littleton Lone Tree Parker Washington Park Castle Rock Area Denver County Douglas County Jefferson County METRO DENVER COMMUNITY INFORMATION + MAPS Denver Encyclopedia WEATHER BY CITY What's Happening In Denver? This comprehensive web site is all you will need to find your next Denver area home or sell the one you now have! There are easy to find answers to all your Denver Real Estate questions. RE / MAX and I are here to assist you through every step of the way. If you have any questions or are ready to buy or sell your Metro Denver Property , please Contact Us . or call (303) 880-4944 . Bill Kosena, a Denver real estate agent , has assisted clients just like you with all their real estate needs since 1978. Have Questions? With 28 years of experience, I have your answers. Receive your answers by e-mail , quickly and without obligation Your privacy is guaranteed! 303-880-4944 Toll Free 1-888-406-2259 OTHER TOPICS OF INTEREST Real Estate Practices In Denver A GUIDE TO BENTONITE Mold Mold Mold... And YOU Current Mortgage Rates Moving Check List What To Know Before Buying From A Builder FREE APPRAISAL "On the House!" Your Water Well Motor Vehicle & Driver's License Conforming Money Increased NEGOTIATING For Dummies Help Yourself To A Healthy Home Current Weather History of Colorado Great Reading! Denver Recreation Seniors Only Kids Only Colorado's Official Web Site Denver Employment Links Ready to BUY a Metro Denver area home? Welcome to Denver Real Estate On Line.com where you have direct access to all Metro Denver listings , extensive buyer information including helpful tips and articles all Denver buyers will find to be invaluable. Ready to SELL your Metro Denver area home? This site can offer your Denver area listing access to over 33,000 viewers every month who are looking for Denver Real Estate . We also offer you the skill and experience necessary to obtain a trouble-free sale that nets you the very highest possible price for your home. Expect a diverse range of marketing strategies that will expose your home to all possible buyers. The marketing plan for your home will be customized to your specific needs and your neighborhood market conditions. And, our 33,000 + monthly viewers will be the first to know your property is on the market. Simply fill out the free Broker Market Analysis form and we'll get back to you right away. Feel free to call 303-880-4944 to discuss specific questions you may have or to schedule an appointment. Featured Homes: - Looking for just the right property Check here first! Buyer/Seller Tips: - Read through helpful tips of information on buying or selling your home! What is your Home's Value? Let us figure out how much your home is worth in today's market! Local Schools: Identify the best school district for your family with our free schools reports. Local Weather: - Get up-to-date information on weather in the surrounding communities. Map & Driving Directions: - Need a map to our office or anywhere else? Denver Real Estate Expert for Highlands Ranch , Denver , Lone Tree , Greenwood Village , Cherry Hills Village , Castle Pines , Parker , Castle Rock , Cherry Creek , Washington Park , Littleton , Centennial, Ken Caryl To Get Answers Or More Information... 1 Please provide the following contact information: Name: Home Phone: E-mail: 2 How can we help you? By submitting this form with your telephone number you are consenting for this website's authorized representatives to contact you even if your name is on the Federal "Do not call List" Thank you for submitting your information. We will be in contact with you by phone or email shortly. Hello, I'm Denver Realtor Bill Kosena . I look forward to assisting you with your real estate needs throughout the Metro Denver area. 303-880-4944 or Bill@DenverRealEstateOnline.com Want to know what they are saying about Bill? Bill Kosena , ABR , CRS , GRI , SRES 303-880-4944 FREE & Without Obligation Pledge Guarantee of Privacy Statement Our Disclaimer LET'S BUILD OUR SITE VALUES About The Relocation Network Aventura Real Estate , Lake Chelan WA Real Estate , Austin Real Estate , Sarasota FL Real Estate , Spokane Orlando FL Real Estate , Clearwater Florida Real Estate , Bullhead City, AZ Real Estate , Arizona Real Estate , Miami Real Estate , Myrtle Beach Real Estate , Mississauga, Ontario , Tulsa Oklahoma Real Estate , Tucson Real Estate , Seattle Real Estate , Real-Estate-Agents.com , Round Rock Real Estate , South Florida Real Estate , San Jose Real Estate , Villa Kecapi Bali , Hawaii Real Estate Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Appraisers Home Improvement Home Inspectors Home Warranties Moving Companies Mortgage Lenders Favorite Real Estate Places International Partners Real Estate Directory Return To DENVER REAL ESTATE Masters, Inc. Bill Kosena ABR , CRS , GRI , SRES Toll Free 1-888-406-2259 Cell: 303-880-4944 info@DenverRealEstateOnline.com ABOUT BILL KOSENA | A.BUYER'S CHECKLIST | AURORA | BUYERS-START HERE | BUYING A NEW HOME -BROKER WITH YOU | CASTLE PINES | CASTLE ROCK | CENTENNIAL | CHERRY CREEK | CHERRY HILLS VILLAGE | CITY MAP | COMPARE APPLES TO APPLES WHEN INTEREST RATE SHOPPING | DENVER | DENVER EDUCATION | DENVER EMPLOYMENT | DENVER GOLF | DENVER HISTORIC SITES | DENVER HOSPITALS DENVER PRO SPORTS DENVER RECREATION | DENVER WEATHER | EARLY DENVER & COLORADO HISTORY | ENGLEWOOD | EXPANSIVE SOILS & BENTONITE GUIDE | FNMA CONFORMING LOAN LIMITS | FIND THE BEST REALTOR | FIVE POWER NEGOTIATION TIPS | "FLOAT DOWN" LOANS | GOLDEN | GREENWOOD VILLAGE | HELP YOURSELF TO A HEALTHY HOME | HIRING A GREAT HOME INSPECTOR | HIGHLANDS RANCH | HIGHLANDS RANCH HISTORY | HOMES NETTING THE HIGHEST SALES PRICE | HOME WARRANTIES | IMPROVE YOU NEGOTIATING OUTCOME | INCREASE PROPERTY VALUE | IS YOUR HOME OVER PRICED? | IS YOUR HOME READY TO SELL? | KEN CARYL | LAKEWOOD | LEAD BASED PAINT (LBT) BASICS & ASBESTOS BASICS | LOCAL REAL ESTATE PRACTICES | LONE TREE | LOWEST INTEREST RATE LOANS MOLD MOLD MOLD AND YOU | Mold (What You Should Know) | MORTGAGE CALCULATOR | MOVING TIPS | NEGOTIATING 101 | NEGOTIATING TO YES | PARKER | PROPERTY SEARCH RE/MAX BIO | RE/MAX RENOWNED PROPERTIES SECREST TO FINDING THE BEST HOUSE FOR THE MONEY | SELLERS-START HERE | "STAGING" YOUR HOME FOR A QUICK SALE | TESTIMONIALS | WATER & WELLS IN COLORADO | WOODPECKERS BOTHERING YOU? WHAT TO DO | WHAT TO KNOW BEFORE BUYING FROM A BUILDER | WHY LIST WITH US? | ZIP CODES Relocation Network & Partners Click here to reciprocate with this site! Real Estate Associates Relocation Connection REALTOR® Partners Real Estate Agents & Realtors Colorado Real Estate Agents Colorado Realtor Web Site Design and Hosting Provided By: Advanced Access © 1998-2005

Home Equity Conversion Mortgage

Home Equity Conversion Mortgage Program - HUD Housing About Housing Contact us Keywords Single Family Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Home Equity Conversion Mortgage Program Information by State Print version Email this to a friend Summary: The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit. Purpose: The Home Equity Conversion Mortgage Program (HECM) can enable an older home owning family to stay in their home while using some of its built up equity. The program allows such a household to get an insured reverse mortgage-a mortgage that converts equity into income. Because older persons can be vulnerable to fraudulent practices, the program requires that persons receive free reverse mortgage housing counseling from a HUD-approved reverse mortgage counseling agency before applying for a reverse mortgage. FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold. Type of Assistance: HECM can be used by homeowners who are 62 years of age and older. The total income that an owner can receive through HECM is the maximum claim amount, which is calculated with a formula including the age of the owner(s), the interest rate, and the value of the home. For example, on the basis of a loan at recent interest rates, a 65-year-old could borrow up to 26 percent of the home's value, a 75-year-old could borrow up to 39 percent, and an 85-year-old could borrow up to 56 percent. Borrowers may choose one of five payment options: (1) tenure, which gives the borrower a monthly payment from the lender for as long as the borrower lives and continues to occupy the home as a principal residence; (2) term, which gives the borrower monthly payments for a fixed period selected by the borrower; (3) line of credit, which allows the borrower to make withdrawals up to a maximum amount, at times and in amounts of the borrower's choosing; (4) modified tenure, which combines the tenure option with a line of credit; and (5) modified term, which combines the term option with a line of credit. The borrower remains the owner of the home and may sell it and move at any time, keeping the sales proceeds that exceed the mortgage balance. A borrower cannot be forced to sell the home to pay off the mortgage, even if the mortgage balance grows to exceed the value of the property. A HECM loan need not be repaid until the borrower moves, sells, or dies. When the loan must be paid, if it exceeds the value of the property, the borrower (or the heirs) will owe no more than the value of the property. FHA insurance will cover any balance due the lender. Two mortgage insurance premiums are collected to pay for HECM: an up front premium (2 percent of the home's value), which can be financed by the lender, and a monthly premium (which equals 0.5 percent per year of the mortgage balance). The lender's loan origination charge can vary, but only up to $1,800 in such charges may be financed by HECM. Borrowers may be charged appraisal and inspection fees set by HUD; these charges can also be financed. As part of the HECM program, HUD has provided for free reverse mortgage counseling (with training for the counselors) for persons considering using such an instrument, and a toll-free information line (1-888-466-3487). Eligible Grantees: Any lender authorized to make HUD-insured loans- such as banks, mortgage companies, and savings and loan associations-can participate in the HECM program. Eligible Customers: To be eligible for HECM, a homeowner must (1) be 62 years of age or older, (2) have a very low outstanding mortgage balance or own their home free and clear, and (3) have received HUD-approved reverse mortgage counseling to learn about the program. An eligible property must be a principal residence, but it can be a single-family residence, a one- to four-unit building with one unit occupied by the borrower, a manufactured home (mobile home), a unit in an FHA-approved condominium, or a unit in a planned unit development. The property must meet FHA standards, but the owner can pay for repairs using the reverse mortgage. Application: Homeowners who meet the eligibility criteria above can apply through an FHA-approved lending institution, which in turn submits the application to the local HUD Field Office for approval. Borrowers can locate FHA-approved lenders through HUD's searchable listing . Because there has been a problem of some senior citizens being charged thousands of dollars for information on HECM that is available free, HUD recently directed HECM lenders to stop doing business with companies that charge such fees. Funding Status: In FY 1996, the HECM program insured 3,604 homes with a value of $369 million. Through September 30, 1996, approximately 16,000 HECM loans had been made. Technical Guidance: TECHNICAL GUIDANCE: This program is authorized by the Housing and Community Development Act of 1987, Section 417, Public Law 100-242 (12 U.S.C. 1715z-20). Program regulations are in 24 CFR 200 and 206. This program is administered by the Office of Single-Family Housing in HUD's Office of Housing-Federal Housing Administration. For More Information: Homeowners who want to learn more about this program, or who were charged for HUD approved reverse mortgage counseling should call HUD's toll-free housing counseling information line, 1-800 569-4287 or see the searchable list of HUD approved reverse mortgage housing counseling agencies or call 1-888-466-3487. Additional information is available from two nonprofit organizations: the American Association of Retired Persons' (AARP) Home Equity Conversion Information Center (202-434-6044) and the National Center for Home Equity Conversion (NCHEC) at 7373 147th St., Room 115, Apple Valley MN 55124. Content updated April 26, 2002 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you