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House of Games (1987) Starring: Lindsay Crouse , Joe Mantegna Director: David Mamet Rating: See larger image Share your own customer images List Price: $14.95 Price: $12.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $1.96 (13%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Only 4 left in stock--order soon (more on the way). Want it delivered Friday, December 30? Choose One-Day Shipping at checkout. See details 57 used & new available from $6.99 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape House of Games $7.95 18 used & new from $1.63 VHS Tape House of Games 2 used & new from $7.77 Better Together Buy this DVD with Oleanna DVD ~ William H. Macy today! Total List Price: $34.93 Buy Together Today: $30.98 Customers who bought this DVD also bought The Spanish Prisoner DVD ~ Campbell Scott Oleanna DVD ~ William H. Macy Things Change DVD ~ Don Ameche Heist DVD ~ Gene Hackman Explore Similar Items : in DVD , in Video , and in Books Storyline Genres: Crime , Mystery , Thriller Tagline: Where the game is never over. Plot Outline: A psychiatrist's patient is in desperate need of money, so she agrees to help him. But... Plot Synopsis: A famous psychologist, Margaret Ford, decides to try to help one of her patients get out of a gambling debt. She visits the bar where Mike, to whom the debt is owed, runs poker games. He convinces her to help him in a game: her assignment is to look for "tells", or give-away body language. What seems easy to her becomes much more complex. Plot Keywords: Independent Film | Con Artist | Con Trick | Twist In The End | Neo Noir | Sting Operation | Psychiatrist | Seattle Washington | (Show all plot keywords recommended by customers) Product Details Actors: Lindsay Crouse , Joe Mantegna , Mike Nussbaum , Lilia Skala , J.T. Walsh , See more Directors: David Mamet Format: Closed-captioned, Color, Widescreen, Ntsc, Full Screen, Widescreen Letterbox Region: Region 1 ( U.S. and Canada only. Read more about DVD formats. ) Number of discs: 1 Rated: (Not for sale to persons under age 18.) Studio: MGM (Video & DVD) DVD Release Date: December 19, 2000 Run Time: 101 minutes Average Customer Review: Based on 54 Reviews DVD Features: Available Subtitles: Spanish, French Available Audio Tracks: English (Unknown Format), French (Unknown Format), Spanish (Unknown Format) From IMDb: Quotes & Trivia ASIN: B00004ZBVL Amazon.com Sales Rank: #7,515 in DVD Theatrical Release Information US Theatrical Release Date: October 11, 1987 MPAA: Production Company: Filmhaus USA Box Office: $3 Million Filming Locations: Seattle, Washington, USA Editorial Reviews Amazon.com David Mamet's 1987 directorial debut was this mesmerizing study of control and seduction between two kinds of detached observers: a gambler who is also a con artist, and a psychotherapist who is also an emerging pop-psych guru in the book market. The latter (played by Lindsay Crouse) meets the former (Joe Mantegna) when one of her clients is driven to despair from his debts to the card shark. Mantegna's character agrees to drop the IOUs in exchange for Crouse's attention at the seedy House of Games in Seattle, a mecca for con men to talk shop and hustle unsuspecting customers. The shrink gets so caught up in the arcane rules and world view of her guide over subsequent days that she observes--with no false rapture--various stings in progress inside and outside the club. Mamet's story finally becomes a fascinating study of two people protecting and extending their respective cosmologies the way rival predators fight for the same piece of turf. The psychological challenge is compelling; so is the stylized dialogue, with its pattern of pauses and hiccups and humming meter. Mostly shooting at night, Mamet also gave Seattle a different look from previous filmmakers, turning its familiar puddles into concentrations of liquid neon and poisonous noir. --Tom Keogh Customers who viewed this DVD also viewed Spartan DVD ~ Tia Texada Glengarry Glen Ross (Special Edition) DVD ~ Jack Lemmon State and Main DVD ~ Michael Higgins The Grifters (Miramax Collector's Series) DVD ~ Anjelica Huston Explore Similar Items : in DVD , in Books Spotlight Reviews Write an online review and share your thoughts with other customers. 17 of 18 people found the following review helpful: A STUNNING PSYCHOLOGIAL THRILLER... , August 25, 2001 Reviewer: Lawyeraau (Balmoral Castle) - See all my reviews This is an absolutely mesmerizing film. A wonderful addition to that genre known as "film noir", the movie is superlative in every way. In his directorial debut, David Mamet shows a keen understanding of the concept "less is more". The two main characters in the film are a well known psychiatrist with a best selling book, Dr. Margaret Ford, played with chilly determinism by Lindsay Crouse, and a slick con man, known only as Mike, brilliantly played by Joe Mantegna with a sinister, charismatic charm. She is stiff and formal. He is casual and seemingly easygoing. Each is involved in a field of endeavor that requires a keen understanding of human nature. They meet by virtue of what each of them does for a living. Dr. Ford is treating a young patient, who claims to be despondent over getting in over his head financially, while gambling at a disreputable and seedy locale known as the House of Games. She is worried about her patient's potential for suicide, so she decides to go to the House of Games to see if she can straighten out the whole mess. There, she meets Mike, the person to whom the debt is owed. From the moment they meet, there is a latent, sexual tension between them and an aura of danger and seduction that permeates the air. Intrigued by him, she is drawn into his world, where things are not always what they seem. There are many twists and turns in this most unusual film, which deftly manipulates the viewer. The film is tautly crafted, and the dialogue itself is highly stylized with its own peculiar cadence. This serves to add to the air of mystery and suspense which infuses this film. There is an excellent supporting cast whose strong performances contribute to the overall quality of this multi-layered film. There is even a small cameo by William H. Macy. It is with good reason that this film was touted by critics as one of the best films for 1987. It meets the high standards set for this genre of film by the late, great director, Alfred Hitchcock. It is simply a stunning tour de force. Was this review helpful to you? ( Report this ) 5 of 7 people found the following review helpful: 4 Stars for the FILM, 1 Star for the DVD , September 2, 2005 Reviewer: Ziad R. Hakim (Beirut Lebanon) - See all my reviews Of course the movie deserves 4 stars, however I wish I could say the same for the DVD. What does it take for DVD company to release each DVD enhanced for 16x9 TVs? Nothing! Recently I bought a laptop with widescreen display and I have a collection of over 600 Dvds. I learned now about "Enhanced for 16x9 TVs" and how important it is, I did not care about it or even know about it since I own a standard TV, however all my Dvds are Region 1 and in widescreen, I never buy fullscreen Dvds. So I did an inventory on my collection and realized the following: Out of 600+ Dvds, 42 are NOT enhanced for 16x9 TVs and they really look horrible when I played them on my PC. Anyway, according to my inventory, MGM and Touchstone are the worst! Universal, Columbia, Twentieth Century Fox and Warner are the best and Paramount ranks in between. Here is some details: - 3 of the 42 are Universal (Please note that many of my Dvds are Universal so 3 of them, included Tremors, is not a big deal) - 12 of them are from Touchstone (such as Ransom, The Rock, What about Bob, Good morning Vietnam etc) Which is a high number compared to my small Touchstone collection. - 2 out of 42 from Warner Home Video. Note that I have around 100 Warner Dvds. The only negative thing about Warner is most of the DVDs come in digipak. However, the latest "2-Disc Special Edition" rate among the best in terms of quality and extras. - 14 of them are from MGM. Sadly, some of my favorite MGM movies are among them such as "A fish called Wanda", "Misery", "Graduate", "Prizzi's Honor", "No way out" etc. MGM Europe has released all those DVDs (Region 2) 2-Disc in special edition including 5.1 surround, widscreen enhanced 16x9. I hope one day soon MGM USA releases them in Special edition like they did with "Fargo", "Rain Man" and "Usual suspects". - 6 out of the 42 are from Paramount including good movies such as "Breakdown", "Ghost and the darkness", "Primal fear", "Private parts", "Coming to America" and "48 Hrs". The reason why they don't release every DVD in widescreen enhanced for 16x9 is beyond me since soon Widescreen Tvs will replace standard ones. Amazon should add in the description if the DVD is enhanced from 16x9 Tvs. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 1 people found the following review helpful: You can't bluff someone who's not paying attention. , November 27, 2005 Reviewer: A. Gyurisin "good friend, damn fool" (The Flatlands of Illinois) - See all my reviews When I first began House of Games, I hated it. I hated the language, I hated the characters, I hated the tone, but then something changed. Mamet finally took control of this film and pulled the audience in by tricking all of us into thinking this was a film about a young love and the darkness of the world, when instead it was all about something deeper. If you go into this film expecting the classic 1980s clich of woman meets man, man is a criminal, woman changes man thus leading to a sloppy wet ending, you will be utterly disappointed. This structure is initially how I envisioned this film, and with the first half an hour filmed the way it was, there was no doubt in my mind that I had been suckered into just another average crime film. Then, midway through the picture, the tones and themes dramatically change. I didn't even see it coming, but when you least expect it, like the "con" performed in this film, it will blindside you quicker than a deer on the highway. House of Games leaves you with this perfect example of just how dark David Mamet is. This is a film that most will either hate or love. The reason that I say this is because the language of the film is extremely "stagey". Before this film, David Mamet had found his success with his plays. The power of his characters, the unjustness of his plots, and the vile of his villains were key elements to packing his plays full of patrons. In House of Games he attempts to bring the stage to the screen without any changes. You can literally hear the beats between the characters when they are talking. The language that they use feel and sound as if they are acting in front of a live audience, not just for the camera. This makes the words a bit stale at times. You can visually see this film as a play because of the language that is used. Again, some will hate this about the film, while others will see it as nothing short of classic Mamet. For me, I hated it at first, but as the film developed, I began to see the logic behind it. The quickness of the conversations between the characters gave more definition to the "con" that they were trying to perform. I always felt as if they were quickly getting something by me. About the middle of the film, I began listening to every word said afraid that I would miss a key element that would unravel this tight plot. I began waiting for scenes where Margaret (Crouse) would stumble on her words, change the meaning, thus allowing us to develop the evil that was within her. Slowly and steadily this "stagey" language worked for me, and it gave just a small addition to the characters. For anyone that has ever seen most of Mamet's film versions (and some of his stage performances) you will notice that he is notorious for using the same characters throughout. I like this quite a bit. Christopher Guest uses the same technique. While I have talked to some that think that it only shows the repetition of his originality, I think that it gives Mamet definition and substance. I loved watching this early film of Mamet's and see a young William H. Macy in a scene and his use of my favorite J.T. Walsh. It is fun to watch these actors grow in Mamet's films. Many of them you can see in State & Main and Heist. Does that mean that they are necessarily good actors then? I don't think so. While I liked the continual use of the same characters, some (more than others), have trouble with the characters. For example, in House of Games, it was obvious that Lindsay Crouse did not have control over her character. She seemed fake in her scenes, and did not counter will with Mantegna (who gave a great performance). She seemed on a different beat compared to the others in this film, and I think it hurt House of Games somewhat. She wasn't the strongest actress that Mamet could have chosen. While I loved the "con" throughout the film, I did feel as if the ending was a bit on the weak side. Without giving it away, it started to feel used before it was over. I knew deep within me where it was going, but I kept waiting for the big "hurrah", but alas, there wasn't any. That is where Mamet missed his mark. The ending needed to be stronger. I loved watching this simple woman transform into evil and the entire themes that went along with that, but I needed more. I loved the anti-romantic notion of this film, but I needed more. I loved the character interactions in this film, but I needed more. That was exactly how I felt about this film. I loved House of Games, but I needed more. Mamet ended the film without giving us closure, and while the rest of the film was exciting to watch, this ending just left me soured. Overall, I loved it, but I don't think that I could watch it again. Mamet is one of the greatest writers of our generation providing us with some very "cult" anti-Hollywood cinema, but this first film was a rough-cut. It was smart, intelligent, and overall a stage version of his play onto film. A stronger transition was needed from stage to screen. The characters were somewhat developed and the plot was sensational. The darkness by the end of the film caught me unprepared. I liked this film, but a second viewing is not in my future. I love David Mamet's work and cannot wait to submerge myself into more of his films later. Grade: *** out of ***** Was this review helpful to you? ( Report this ) 1 of 6 people found the following review helpful: One Psychiatrist In Need Of Heavy Duty Medication And Therapy!!! , September 24, 2005 Reviewer: John Baranyai "Book Nerd And Ex High School Geek Member Of The Chess Club" - See all my reviews This is a sorry excuse for a movie which stars Lindsay Crouse in a very wooden performance playing a psychiatrist who gets involved with a con man played by Joe Mantegna.These two argue about wether they had Consentual Sex or Rape because Joe took Margaret under false pretences which is a pretty dispicable thing to do to a woman. I personally consider it to be a very cowardly rape .This should give you some idea of Mantegna's character in this movie.There are then a lot of twists and turns until Ms. Crouse becomes a Compulsive Kleptomaniac which just goes to prove my Theory that most psychiatrists are more "messed up" (that's the polite word) than their patients. I give this movie 5 stars because I have always liked Joe Mantegna even though he plays a very unlikeable character in this movie. Was this review helpful to you? ( Report this ) Con Games Within Con Games, And Nicely Done , September 10, 2005 Reviewer: C. O. DeRiemer (San Antonio, TX USA) - See all my reviews On one level, House of Games is a fascinating con game, complex and convoluted. On another level, it's a little cold-blooded. Whether you like it or not may depend on your tolerance for having the wool pulled over your eyes and your willingness to get involved with people you probably won't care for. Margaret Ford (Lindsay Crouse) is a psychiatrist who decides to provide some direct assistance to a patient who has a big gambling debt. Late one night she goes to the House of Games, meets Mike (Joe Mantegna), who holds the markers and tries to talk him into doing the right thing. He eventually agrees, but only if she'll help him in a high stakes poker game. He wants her to keep an eye on a particular player's "tells," the give-away body language that will help Mike take the guy to the cleaners. She does...and finds herself in the world of cons within cons. We find ourselves in the same place. "The basic idea is this," Mike tells her later. "It's called a confidence game. Why...because you give me your confidence? No. Because I give you mine." She's fascinated and decides to write a book about how conning people works...the psychology of it. "Everybody gets something out of the transaction," Mike says one evening when he has demonstrated how to get a mark to give him money. "I gave that guy my confidence. I asked him for help. And what he gets...he feels that he's a good man." She's hooked despite herself, and soon finds herself drawn not only to Mike but to working with him to con a big take. But is Mike conning her? She wrote a best selling book, she's got money, and she obviously is drawn to the excitement and challenge. "I gave you my trust," Margaret says at one point. "Of course you gave me your trust," Mike replies. "That's what I do." There'll be no spoilers here. The cleverness and the fun of the movie, and the surprise of the violence, depend on the cleverness and surprise of the plot twists. Let's just say that, as Mike puts it, "you shouldn't trust nobody." This was the first movie David Mamet directed, and he did a fine job. While Lindsay Crouse may not be the most versatile of actresses, Joe Mantegna more than makes up for it with a performance that is tough, interesting and full of indirection. In small parts are a young William H. Macy and J. T. Walsh. Mike Nussbaum as Joey, an associate of Mike's in the con racket, and Ricky Jay as another, are both first-rate. This is a movie that you have to stay with for awhile before it kicks in. The last 40 minutes, however, pack a punch. The DVD picture looks fine. There are no extras. Was this review helpful to you? ( Report this ) 1 of 1 people found the following review helpful: House of Games: another and evil purpose , April 6, 2005 Reviewer: John Galvin (Cincinnati,OH) - See all my reviews Margaret Ford is cool, detached, removed-an observer-traits that are the basis for her success as a psychologist and writer of well-paying pop-psychology. One of her patients, a gambler, is in debt to a fellow gambler and hustler named Mike. Confident in her powers to persuade others to act contrary to their immediate best interests, Margaret offers to talk to Mike. It is, of course, an act of hubris, an act of self-appraisal wanting correction--an act of pride inviting a fall. So that night, she makes her way to the House of Games, a seedy little bar in a dark, desolate corner of Seattle where Mike and his crew gather to play cards in a dark still--in an atmosphere resembling her own office. Mike is cool, detached, removed--an observer--traits that are the basis for his success as a gambler and con man. He makes a rather extraordinary offer: he will tear up the IOU's if Margaret will help him in the execution of his present hustle. Mike talks close, talks in a low knowing whisper. She's either in or she isn't. Then he gives her a glimpse of his method--he shows her how he watches for "tells"--little tics, twitches and hiccups, as it were, in the body language of his victim-unconscious signaling of what someone is thinking, what someone knows, what some had meant to hide from others. It must seem frighteningly familiar to a psychologist--but so very intriguing when applied to another and evil purpose. She accepts; and so begins a series of twists and turns that oblige you to wonder, till the very end, at which point the con actually began. The language of this film is characteristic of Mamet at his best. It is highly stylized, an endless succession of ellipses, faints, and echos. Every statement seems suspect, delivered in heavy quotes. There may only be a single additional second between sentences, but it seems so long, so otherworldly. Outwardly ordinary-looking statements seem busy with other meaning, with mystery and possible misdirection. It is a language befitting both psychologist and con man--observers who ultimately seek control over others, though admittedly for very different ends. But as the film gradually unfolds, you may find yourself laboring to discriminate between a con man who manipulates and controls and a psychologist who steers and directs. In the end, they only succeed in conning themselves, having forgotten that they are dealing with human beings who, possessed with powers of reason tempered and bent by emotions, often skid, slip and spin down unexpected, unintended and sometimes unlovely cul-de sacs. Was this review helpful to you? ( Report this ) See all 54 customer reviews... Listmania! Great Movies with a great endi... : by "willrocks" 10 top-shelf thrillers, after ... : by A. C. Walter "awalter" Women Who Kill : by "reelgood" So You'd Like to... get to know the best 'conspiracy theory' movies : by Grouchy Smurf , Couch Potato Surrender to the BIZARRE!!! : by Zoogz Rift , Groovy dadaist and legendary underground rock rec... Watch Hidden Movie Gems : by jlstu9 , Movie Watcher Fun Facts from IMDb.com: Awards Click here to see more Awards London Critics Circle Film Awards: ALFS Award for Film of the Year, Screenwriter of the Year Venice Film Festival: Golden Osella for Best Original Screenplay, Best Film Nominations Click here to see more Nominations Golden Globes, USA: Golden Globe for Best Screenplay - Motion Picture Trivia Click here to see more Trivia The numeral 187 appears in the film in different instances. A license plate reads "HSX 187". Also it is the number of the airport locker used at the end. 187 is the police code for murder. The hotel room that Mike takes Margeret to is room #1138 which is yet another reference to George Lucas's THX 1138. Goofs Click here to see more Goofs Towards the end of the film, Margaret Ford returns to her private office and cuts herself. Several drops of blood fall on the cover label of a dossier lying on the desk. In subsequent shots, the blood stain jumps down the label and finally ends up on the back cover, leaving the label clean. Movie Connections Click here to see more Movie Connections Remade as: Qian wang qing ren Quotes Click here to see more Quotes Mike : I'm from the United States of kiss-my-***. Mike : Oh, you're a bad pony. And I'm not gonna bet on you. For more information about "House of Games" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( C ) > Crouse, Lindsay DVD > Actors & Actresses > ( J ) > Jay, Ricky DVD > Actors & Actresses > ( M ) > Macy, William H DVD > Actors & Actresses > ( M ) > Mantegna, Joe DVD > Actors & Actresses > ( N ) > Nussbaum, Mike DVD > Actors & Actresses > ( S ) > Skala, Lilia DVD > Actors & Actresses > ( T ) > Taylor, Meshach DVD > Actors & Actresses > ( W ) > Wallace, Jack DVD > Directors > ( M ) > Mamet, David DVD > Genres > Mystery & Suspense > By Theme > Cons & Scams DVD > Genres > Mystery & Suspense > By Theme > Mind Games DVD > Genres > Mystery & Suspense > Crime > Con Artists DVD > Genres > Mystery & Suspense > General DVD > Genres > Mystery & Suspense > Mystery DVD > Genres > Mystery & Suspense > Neo-Noir DVD > Genres > Mystery & Suspense > Suspense DVD > Genres > Mystery & Suspense > Thrillers Suggestion Box Your comments can help make our site better for everyone. 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home equity lines of

What You Should Know About Home Equity Lines of Credit ESPAÑOL More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest rate that is relatively low. Furthermore, under the tax lawdepending on your specific situationyou may be allowed to deduct the interest because the debt is secured by your home. If you are in the market for credit, a home equity plan may be right for you. Or perhaps another form of credit would be better. Before making a decision, you should weigh carefully the costs of a home equity line against the benefits. Shop for the credit terms that best meet your borrowing needs without posing undue financial risk. And remember, failure to repay the amounts youve borrowed, plus interest, could mean the loss of your home. What is a home equity line of credit? What should you look for when shopping for a plan? Costs of establishing and maintaining a home equity line How will you repay your home equity plan? Lines of credit vs. traditional second morgage loans What is a home equity line of credit? A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumers largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. With a home equity line, you will be approved for a specific amount of credityour credit limit , the maximum amount you may borrow at any one time under the plan. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75 percent) of the homes appraised value and subtracting from that the balance owed on the existing mortgage. For example: Appraised value of home $100,000 Percentage x 75% Percentage of appraised value = $ 75,000 Less balance owed on mortgage - $ 40,000 Potential credit $ 35,000 In determining your actual credit limit, the lender will also consider your ability to repay, by looking at your income, debts, and other financial obligations as well as your credit history. Many home equity plans set a fixed period during which you can borrow money, such as 10 years. At the end of this draw period, you may be allowed to renew the credit line. If your plan does not allow renewals, you will not be able to borrow additional money once the period has ended. Some plans may call for payment in full of any outstanding balance at the end of the period. Others may allow repayment over a fixed period (the repayment period), for example, 10 years. Once approved for a home equity line of credit, you will most likely be able to borrow up to your credit limit whenever you want. Typically, you will use special checks to draw on your line. Under some plans, borrowers can use a credit card or other means to draw on the line. There may be limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) and to keep a minimum amount outstanding. Some plans may also require that you take an initial advance when the line is set up. What should you look for when shopping for a plan? If you decide to apply for a home equity line of credit, look for the plan that best meets your particular needs. Read the credit agreement carefully, and examine the terms and conditions of various plans, including the annual percentage rate (APR) and the costs of establishing the plan. The APR for a home equity line is based on the interest rate alone and will not reflect the closing costs and other fees and charges, so youll need to compare these costs, as well as the APRs, among lenders. Interest rate charges and related plan features Home equity lines of credit typically involve variable rather than fixed interest rates. The variable rate must be based on a publicly available index (such as the prime rate published in some major daily newspapers or a U.S. Treasury bill rate); the interest rate for borrowing under the home equity line changes, mirroring fluctuations in the value of the index. Most lenders cite the interest rate you will pay as the value of the index at a particular time plus a margin, such as 2 percentage points. Because the cost of borrowing is tied directly to the value of the index, it is important to find out which index is used, how often the value of the index changes, and how high it has risen in the past as well as the amount of the margin. Lenders sometimes offer a temporarily discounted interest rate for home equity linesa rate that is unusually low and may last for only an introductory period, such as 6 months. Variable-rate plans secured by a dwelling must, by law, have a ceiling (or cap ) on how much your interest rate may increase over the life of the plan. Some variable-rate plans limit how much your payment may increase and how low your interest rate may fall if interest rates drop. Some lenders allow you to convert from a variable interest rate to a fixed rate during the life of the plan, or to convert all or a portion of your line to a fixed-term installment loan. Plans generally permit the lender to freeze or reduce your credit line under certain circumstances. For example, some variable-rate plans may not allow you to draw additional funds during a period in which the interest rate reaches the cap. Costs of establishing and maintaining a home equity line Many of the costs of setting up a home equity line of credit are similar to those you paywhen you buy a home. For example: A fee for a property appraisal to estimate the value of your home An application fee , which may not be refunded if you are turned down for credit Up-front charges, such as one or more points (one point equals 1 percent of the credit limit) Closing costs, including fees for attorneys, title search, and mortgage preparation and filing; property and title insurance; and taxes. In addition, you may be subject to certain fees during the plan period, such as annual membership or maintenance fees and a transaction fee every time you draw on the credit line. You could find yourself paying hundreds of dollars to establish the plan. If you were to draw only a small amount against your credit line, those initial charges would substantially increase the cost of the funds borrowed. On the other hand, because the lenders risk is lower than for other forms of credit, as your home serves as collateral, annual percentage rates for home equity lines are generally lower than rates for other types of credit. The interest you save could offset the costs of establishing and maintaining the line. Moreover, some lenders waive some or all of the closing costs. How will you repay your home equity plan? Before entering into a plan, consider how you will pay back the money you borrow. Some plans set minimum payments that cover a portion of the principal (the amount you borrow) plus accrued interest. But (unlike with the typical installment loan) the portion that goes toward principal may not be enough to repay the principal by the end of the term. Other plans may allow payment of interest alone during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that amount when the plan ends. Regardless of the minimum required payment, you may choose to pay more, and many lenders offer a choice of payment options. Many consumers choose to pay down the principal regularly as they do with other loans. For example, if you use your line to buy a boat, you may want to pay it off as you would a typical boat loan. Whatever your payment arrangements during the life of the planwhether you pay some, a little, or none of the principal amount of the loanwhen the plan ends you may have to pay the entire balance owed, all at once. You must be prepared to make this balloon payment by refinancing it with the lender, by obtaining a loan from another lender, or by some other means. If you are unable to make the balloon payment, you could lose your home. If your plan has a variable interest rate, your monthly payments may change. Assume, for example, that you borrow $10,000 under a plan that calls for interest-only payments. At a 10 percent interest rate, your monthly payments would be $83. If the rate rises over time to 15 percent, your monthly payments will increase to $125. Similarly, if you are making payments that cover interest plus some portion of the principal, your monthly payments may increase, unless your agreement calls for keeping payments the same throughout the plan period. If you sell your home, you will probably be required to pay off your home equity line in full immediately. If you are likely to sell your home in the near future, consider whether it makes sense to pay the up-front costs of setting up a line of credit. Also keep in mind that renting your home may be prohibited under the terms of your agreement. Lines of credit vs. traditional second morgage loans If you are thinking about a home equity line of credit, you might also want to consider a traditional second mortgage loan. A second mortgage provides you with a fixed amount of money repayable over a fixed period. In most cases the payment schedule calls for equal payments that will pay off the entire loan within the loan period. You might consider a second mortgage instead of a home equity line if, for example, you need a set amount for a specific purpose, such as an addition to your home. In deciding which type of loan best suits your needs, consider the costs under the two alternatives. Look at both the APR and other charges. Do not, however, simply compare the APRs, because the APRs on the two types of loans are figured differently: The APR for a traditional second mortgage loan takes into account the interest rate charged plus points and other finance charges. The APR for a home equity line of credit is based on the periodic interest rate alone. It does not include points or other charges. Disclosures from lenders The federal Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. And in general, neither the lender nor anyone else may charge a fee until after you have received this information. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened. If any term (other than a variable-rate feature) changes before the plan is opened, the lender must return all fees if you decide not to enter into the plan because of the change. When you open a home equity line, the transaction puts your home at risk. If the home involved is your principal dwelling, the Truth in Lending Act gives you 3 days from the day the account was opened to cancel the credit line. This right allows you to change your mind for any reason. You simply inform the lender in writing within the 3-day period. The lender must then cancel its security interest in your home and return all feesincluding any application and appraisal feespaid to open the account. The information on this site is adapted from the brochure "What You Should Know about Home Equity Lines of Credit." Single or multiple copies of the brochure are available without charge. Order the brochure by telephone, mail, or fax . Order online . Glossary | Where to go for help | Checklist Home | Consumer information | Publications | Brochures Accessibility | Contact us Last update: March 1, 2004

Buy Property

Which? bookshop | Buying Property Abroad Skip main navigation | | Sitemap | Help | Contact us Home News About us Campaigns Press Magazines Bookshop Which? Online search box Book categories Food & drink Home & garden Legal advice Personal finance Property Magazines Subscriptions Gift subscriptions Placing an order Ordering online Ordering offline Delivery Safe shopping Bookshop Bookshop Bookshop Buying Property Abroad Jeremy Davies 10.99 (free postage & packaging) For recreation,retirement or investment, buying property abroad has never been morepopular, and over a million Britons now have homes in another country.Unfortunately, buying abroad is fraught with difficulties. Differentcultures, languages, currencies and laws make expert advice essential. BuyingProperty Abroad takes an in-depth look at France, Spain, Portugal,Italy and Florida, as well as considering emerging markets in theMediterranean, the Balkan States and Eastern Europe. The book: outlines the sort of property you are likely to encounter looks at local taxes and how much you'll have to pay examines local law and how this relates to matters such as inheritance, insurance, liability and land searches considers the true cost of holiday homes - including maintenance charges, utility bills and management fees looksat the financial and legal implications of long-term residency, withparticular reference to retirement, taxation and health care. BuyingProperty Abroad can help you realise the dream of owning somewhere inthe sun, while making sure it doesn't turn into a nightmare. Paperback 256pp | Accessibility | Terms & Conditions | Privacy | © Which 2005 Gift subscriptions Buy any Which? magazine subscription as a gift: - Which? magazine | - Computing Which? | - Gardening Which? | - Holiday Which? | Which? magazines Buy Which? magazine subscriptions and binders: Subscriptions | Gift subscriptions | Binders | | Try Which? Online free for 30 days and save £££s. Which? campaigns Our food is killing us. Read how our food campaign is changing things.

Colorado Real Estate

Manual Table of Contents 2005 Real Estate Manual An * in the left margin indicates a change in the statute, rule or text since the last publication of the manual. Revisions since the publication of the printed version of the manual dated July 1, 2005 appear in RED text. Chapter 1. License Law Chapter 2. Rules Chapter 3. Commission Positions Chapter 4. Subdivision Laws Chapter 5. Case Law and Opinions Chapter 6. Interest in Land Chapter 7. Land Descriptions Chapter 8. Deeds Chapter 9. Evidence of Title Chapter 10. Appraisal and Valuation Chapter 11. Water Rights Chapter 12. Brokerage Relationships Chapter 13. Listings Chapter 14. Contracts Chapter 15. Financing Chapter 16. Trust Deeds and Liens Chapter 17. Closing Statements Chapter 18. Escrow Records Chapter 19. Property Management and Leases Chapter 20. Farm and Ranch Brokerage Chapter 21. Business Opportunities Chapter 22. Tax Factors Pertaining To Real Estate Chapter 23. The Fair Housing Act Chapter 24. Related Real Estate Laws Chapter 25. Commission Approved Forms Glossary of Terms (15 Pages) Index (15 Pages) Manual Order Form Updated 08/19/05 Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised October 27, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)

Property Search

Allegheny County Assessment ALLEGHENY COUNTY REAL ESTATE WEB SITE 12/29/2005 3:44:16 PM Help Home Legal Disclaimer The values contained herein have been provided by the Office of Property Assessments and are updated bi-weekly. All values represent the estimated market value of the property as of January 1, 2002, unless otherwise updated due to permits, appeals, corrections, flood loss or catastrophic loss. Annually, in July, the State Tax Equalization Board (STEB) releases a sales ratio study comparing the County assessed values to current sales prices. The most recent STEB ratio, for the year 2004, was 91.3%. That means for 2004, on average countywide, the assessed values were within 91.3% of the sales prices. When released, the STEB ratio for 2005 will be posted on this site. Both the 2005 and 2006 values are subject to ongoing maintenance throughout the course of the year. In accordance with County and State statutes, values may be adjusted in the following ways: The Office of Property Assessments can adjust values by way of the administrative change process for factual, mathematical or clerical errors. Values can also be adjusted due to a change in the physical nature of the property due to building permits for additions or demolitions. In addition, the Board of Property Assessment Appeals and Review and the Board of Viewers are distinct and separate entities from the Office of Property Assessments and have the authority to hear appeals and make decisions that can change assessed values. In these cases, the property owner and the taxing bodies are notified and the appeal decisions are regularly posted on the website. All property data has been provided by the Office of Property Assessments and does not include minor, detached structures such as garages, swimming pools and sheds. Sales prices are for the latest recorded sale and may not reflect invalid sales such as sheriff sales, love and affection sales or multiple parcel transactions. In the case of newly constructed buildings, the amount of the sale may reflect only the purchase of the vacant land. Therefore, sale to assessed value comparisons can be misleading. Local and County values may differ due to various abatement programs. To see information on the abatement programs for which you may qualify, please go to http://www.county.allegheny.pa.us/opa/abate.asp These applications are designed to be viewed using Internet Explorer 6.0. You may experience difficulties when using other browsers. For best printing remove left and right margins (consult help for more details) --