Investment Property

Investment Property Databank IPD Home About IPD Portfolio Analysis Services Events Indices and Market Information Indices for Derivatives Online Services -- Research Services Indices & Publications Downloads Price List Property Vehicles Databank Lease Events Review In UK Europe France Germany Netherlands Ireland Sweden South Africa Canada Denmark Norway Spain Portugal Price List UK - Publications, Research and other Services Order Form (pdf) Annual Index Free Richard Gwilliam +44 (0)20 7643 9283 Monthly Index Sample 350 Angela Porter +44 (0)20 7643 9291 Quarterly Review 1000 Mark Callender +44 (0)20 7643 9238 Property Investors Digest Sample 3500 Mark Callender +44 (0)20 7643 9238 Key Centres Report Sample 6500 Anglea Sheahan +44 (0)20 7643 9238 Local Market Monitor Sample 250 Anglea Sheahan +44 (0)20 7643 9283 Monthly Market Monitor Sample 2000 Angela Porter +44 (0)20 7643 9291 Market information for Portfolio Managers (MIPS) £3000 Steven Devaney +44 (0)20 7643 9283 Property Funds Review Free to PAS Clients. £495 for non-PAS clients Kevin Swaddle +44 (0)20 7643 9275 Research Studies Quote from: Mark Callender +44 (0)20 7643 9238 Data to Order Quote from: Richard Gwilliam +44 (0)20 7643 9283 UK and European Directories of Property Vehicles UK - £450 European - £650 Both UK & European for £1000 Andreas Arend Mark Callender +44 (0)20 7643 9327 +44 (0)20 7643 9238 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Europe Order Form (pdf) European Digest Package (excl. UK) £7000 Andreas Arend +44 (0)20 7643 9327 European Digest Package (incl. UK) £9500 Andreas Arend +44 (0)20 7643 9327 UK and European Directories of Property Vehicles UK - £450 European - £650 Both UK & European for £1000 Andreas Arend Mark Callender +44 (0)20 7643 9327 +44 (0)20 7643 9238 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 IPD Multi-Country Spreadsheet Flyer €750 Siobhan Callaghan +44 (0)20 7643 9246 France Order Form (pdf) Portfolio Analysis Service Quote from: Christian de Kerangal +44 (0)20 7643 9319 +33 (0)1 4501 4102 Property Investors Digest 1100 Carine Dasse +44 (0)20 7643 9319 Key Centres Report 1100 Carine Dasse +44 (0)20 7643 9319 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Germany Order Form (pdf) Portfolio Analysis Service Quote from: Nassos Manginas +44 (0)20 7643 9316 Germany Property Digest 3000 Nassos Manginas +44 (0)20 7643 9316 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 The Netherlands Order Form (pdf) Portfolio Analysis Service Quote from: Ian Townson Aart Hordijk +44 (0)20 7643 9245 +31 70 349 0195 Property Investors Digest 1500 Ian Townson +44 (0)20 7643 9245 Local Market Performance 2000 Ian Townson +44 (0)20 7643 9245 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Ireland Order Form (pdf) Portfolio Analysis Service Quote from: Phil Tily +44 (0)20 7643 9311 Property Investors Digest 1500 Phil Tily +44 (0)20 7643 9311 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Sweden Order Form (pdf) Portfolio Analysis Service Quote from: Andrew Buckley Joakim Franspm Christina Gustafsson +44 (0)20 7643 9265 +46 (0)850 565231 Property Investors Digest 2500 Andrew Buckley +44 (0)20 7643 9315 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 SFI / IPD Swedish Long term Property Index Report £2500 Christina Gustafsson +46 (0)850 565231 South Africa Order Form (pdf) Portfolio Analysis Service Quote from: Richard Wetherell Stan Garrun +44 (0)20 7643 9266 +27 11 883 0679 Property Investors Digest 1500 Richard Wetherell +44 (0)20 7643 9266 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Canada Order Form (pdf) Portfolio Analysis Service Quote from: Phil Tily +44 (0)20 7643 9311 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Quarterly Digest $5000 Ca Phil Tily +44 (0)20 7643 9311 Denmark Order Form (pdf) Portfolio Analysis Service Quote from: Andrew Buckley +44 (0)20 7643 9315 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Norway Order Form (pdf) Portfolio Analysis Service Quote from: Andrew Buckley +44 (0)20 7643 9315 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Spain Order Form (pdf) Portfolio Analysis Service Quote from: Julia Marciano +33 1580 53682 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 Portugal Order Form (pdf) Portfolio Analysis Service Quote from: Luis Francisco Antonio Gil Machado +44 (0)20 7643 9318 +35 19 3973 6055 Remuneration Service Brochure Quote from: Vida Godson +44 (0)20 7643 9300 1 St. John's Lane London EC1M 4BL Tel: +44 (0)20 7336 9200 Fax: +44 (0)20 7336 9399 Privacy Policy | © 2005 IPD Ltd. All Rights Reserved. Home | About IPD | Portfolio Analysis Service | Events | Indices and Market Information | Indices for Derivatives | OPD Designed by Webrepro

Real Estate Management, 15th

IREM Home MEMBER LOGIN SEARCH FIND A CPM ® / ARM ® / AMO ® FIND / POST A JOB FIND MY CHAPTER New IREM Course Line-Up for 2006 Featuring many enhancements, updates and additions, IREM’s 2006 education offerings are more relevant to your professional development than ever before. Explore our 2006 course offerings and register for a course – or encourage your employees to enroll in IREM education. View the 2006 course schedule and register today! IREM Foundation Grant Application The IREM Foundation has released a grant application to provide financial assistance for individuals and families affected by Hurricane Katrina. Download the application . Subhead of feature two. Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Mauris fringilla. Ut mattis fringilla turpis. Sed felis risus, faucibus vel, eleifend vitae, porttitor vitae, magna. Aenean a nisl id ante cursus blandit. Proin et justo. Etiam eget erat id quam eleifend tempor. Fusce laoreet eleifend justo. -- JOURNAL OF PROPERTY MANAGEMENT The Institute's award-winning publication. MEMBER SERVICES Online tools and services for IREM members. MEDIA CENTER IREM information for journalists. IREM FOUNDATION Enhances the industry through career development and community service initiatives. ETHICS Codes, compliance, enforcement, complaints. JOIN IREM Become an Associate Member Breaking Legislative News On December 22, President Bush signed the Terrorism Risk Insurance Extension Act of 2005 into law, extending the federal insurance backstop program for two years. Learn more. Principles of Real Estate Management, 15th Edition Updated and expanded, the 15th edition continues to provide comprehensive coverage of all property types. Order now! Get Real. Get Ready. IREM has many resources available for college students. To learn more about IREM and real estate management careers, visit GetRealGetReady.com . IREM.org | Join IREM | Education | Conferences | Public Policy | IREM Store | IREMFIRST | Member Services | JPM About IREM | Chapters | Chapter Services | IREM Foundation | Media Center | Site Map | Contact | © 2005 Institute of Real Estate Management. All rights reserved. IREM ® , the IREM logo, Certified Property Manager ® , CPM ® , the CPM key logo, Accredited Residential Manager ® , ARM ® , the ARM torch logo, Accredited Management Organization ® , AMO ® , the AMO circle logo, Income/Expense Analysis ® , Expense Analysis ® and JPM ® are registered marks of the Institute of Real Estate Management. In principle and practice, the Institute of Real Estate Management values and seeks a diverse membership. There are no barriers to full participation in the organization on the basis of gender, race, creed, age, sexual orientation, national origin, or disability. Moreover, the Institute of Real Estate Management encourages equal opportunity practices among its members. Privacy Policy Privacy Policy | Terms of Use --

Home Loan Home Loan

Mortgage Refinancing, Loan Refinance Contact | Mortgage Rates | Mortgage Calculators Mortgages Refinancing Debt Consolidation Mortgage Resources Loans FHA Loan VA Loan What Type Of Loan Are You Looking For? Please Select.... VA Home Loan Home Loan VA Home Refinance Home Refinance FHA Home Loan What Is The Approximate Value Of Your Property? Factors to consider before refinancing a mortgage If you are considering refinancing your home, there are several factors you should think about before making your decision. These factors include the interest rate on your current mortgage, the current market interest rate, how long you plan to live in your current home, and whether or not you need money for other things (such as home improvement, a new car loan, or paying off credit cards). Qualify for a Streamline Refinance Today's Mortgage Refinancing Rates If you would like advice about refinancing, you may speak to a refinancing specialist at 800-930-9201 . Things to consider before refinancing: 1) The Interest Rate You Are Paying Consider the interest rate you are now paying before refinancing . Compare it against the current interest rate to see how much you would save by mortgage refinancing. Use our free mortgage calculator to determine your new monthly payments. (Use our Mortgage Calculator ) 2) The Current Interest Rate Check the current interest rate. To get the benefits of a lower rate, you may have to pay fees associated with the loan, unless your lender is doing a no fee loan. Before committing to a refinance , be sure you have discussed the fee options with your loan officer. [Get the Current Mortgage Refinancing Rates ] 3) How Long You Will Live In Your Home The median length of stay in a home is 8.2 years. However, you may have a better idea of how long you will be in your home. If you do not plan on owning your home for much longer, the lower payments associated with the refinancing may not cover the mortgage refinancing fees. If you plan on staying in your home for a long period of time, refinancing could be an excellent way to reduce your monthly payments. Also, if you are planning on moving into a new home while retaining the old home as a rental property, refinancing is a solid plan. You can lower your monthly mortgage payment and in turn, increase your rental income. 4) Consolidation If you have several outstanding bills, you may want to consider refinancing your home and in turn, consolidating and paying off your other debts. If you have equity in your home, you may be able to access that equity through a "cash out" refinance . You could choose to apply that equity to a debt consolidation plan, a new car, or home improvements. For what reasons would it make sense for me to refinance my mortgage? 1. If you are able to get a lower interest rate If you are able to get a lower rate that what you currently have, you can save tens of thousands of dollars over the life of your loan. Also, most lenders don't charge as many fees to refinance a mortgage and depending on how much equity you have in your home you may be able to roll the closing costs into your new loan, still have a lower balance than your original loan, a lower rate, and a lower payment. 2. Change the term of you mortgage Changing the term of your mortgage can help in several ways. First, if you were to refinance your current mortgage from 30 years to 15 years, you will accelerate the rate at which you pay towards principle each month meaning your house will be paid off quicker. Also, you will save an unbelievable amount of money in terms of interest because you would likely be taking 10 to 15 years off the life of your loan. Second, you can also refinance a 15 year mortgage to a 30 year mortgage. It seems like it might not make sense to do this, but if you have an immediate need to free up monthly cash-flow and you don't want to take out a home equity loan, this can work out to your benefit. When you take a 15 year loan and refinance it to 30 years you will have the same balance only the payments can be hundreds of dollars less than the 15 year loan. The only draw back to this is you will pay more in interest over the live of the loan. 3. You need a large amount of cash, now When you do a cash-out refinance you are leveraging the equity in your home in order to receive a lump sum of cash at closing. Many individuals and families use this type of loan if they want to remodel their home, or they have kids that are attending college soon. 4. You know you will be moving soon If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends. What you should look for in a mortgage company 1. Is the company reputable There are literally thousands of mortgage companies all over the country. It is important that you choose a reputable one. Most reputable companies will be part of the Better Business Bureau or other community watchdog group. Good companies will also have websites that rank well on search engines such as Yahoo and Google. 2. Integrity of their loan officers Many companies in this industry will do what ever they can to get away with charging you as much as they possibly can. Some of the ways they do this is not disclosing all the third party fees involved in a loan such as title insurance, appraisals, pre-paid tax and insurance escrows etc. It is important that you ask the loan officer you're speaking with about third party fees. If you don't they may not tell you and give you a good faith estimate that sounds fair, but at closing you'll find out that you have to pay a couple of thousand dollars more in fees you were unaware of. A good loan officer at a reputable company should have no problem disclosing all fees that pertain to your loan and should also make sure you understand what the fees are for. Divorce and Refinancing If you are divorced, refinancing your home can make things easier in regards to what happens to mortgage payments when the home is given to one of the parties. If you refinance the house, you can have your ex-spouse's name removed from the deed. Whoever gets the home will now be the sole owner and will be solely responsible for the payment. If you don't have one of the names taken off the deed, the person who is responsible for making the payments might fall behind and will effect the credit of the person's whose name is still on the deed even if they don't have the house. Refinancing Adjustable Rate Mortgages (ARMs) An adjustable rate mortgage is just that. After the fixed-rate period of your loan, typically 3 or 5 years, the rate will adjust with the market. If rates remain low, no problems arise. On the other hand, rates can go up. Sometimes this can cause a mortgage payment to almost double. Many people that have an ARM are not financially ready for a large increase in their house payment. You can do several things to hedge the risk of a rate increase. First, you can refinance your loan into a fixed-rate loan before the end of the fixed period of your ARM. You will likely see a payment increase, but it will be a one time increase. If you keep the ARM, your payment might keep increasing year after year. Anther thing you can do is refinance into another ARM and have a fixed-rate for another 3 to 5 years. Just realize that you will likely have to refinance every 3 to 5 years. The same principles apply to home equity lines of credit (HELOCs) Your home is not just a home - it is a financial tool You can do many things with your home other than just live in it. You can use the value in your home for fiscal gain. First off, you can use the equity in your home to pay off debt at a much lower rate. For instance, say you're paying $1,500 a month on $30,000 of debt. If you have the equity, you can do a cash-out refinance and pay off the debt and your mortgage payment might only go up $300. This gives you an additional $1,200 in monthly cash flow. For this to be really effective you need to realize that you can't get into that much debt again because you might not have the equity to bail you out again. Another thing you can do is take all the equity out of your home and invest it. You may be able to make more money on the investment than you pay out in interest over the life of the new loan. It is important to know that if you choose to take cash out of your home and invest it, you should seek the advice of a certified financial planner. Not many people take advantage of this because it can be risky, but it is an option. If you are considering refinancing , also remember that there are a variety of different mortgages. If you plan on living in your home for a long period of time, you may want to consider the traditional fixed-rate 15- or 30-year loan. Another option is to choose an adjustable rate mortgage and consider refinancing again in a few years. By refinancing , you can choose the perfect mortgage for your needs, which may have changed since you first bought your home. A mortgage broker can be a useful tool to help find the most appropriate mortgage for your refinancing. Info on an FHA STREAMLINE REFINANCE You may also call a specialist at 800-930-9201 to get additional advice about what factors you should consider when deciding whether or not to refinance. The specialist can also show you what mortgage brokers and lenders are the best to deal with. If you have served in the Armed Forces, you can qualify for a VA Loan . A Debt Consolidation Loan may save you hundreds of dollars per month. If you have questions or would like help with your mortgage, you can call us at 800-930-9201 . "Nathan, I wanted you to know that everything went very well at our closing. It was quite pleasant. Thank you for everything." -Vicki Ficklen Mcdonough, GA More Testimonials Equal Opportunity Lender License Information We can help you find the lender (mortgage bank) that can get you the best deal for your financial situation (including setting you up with the best financing rates and loan term). MRC does not originate loans in MA, NJ, NY, ND, PA, VT, NV, WV, or DC. If you are getting a mortgage in one of these states, we will help you by directing your information to a lender in your state. Get additional information about a VA Loan , Home Loan , or 1031 Exchange : Privacy Policy .

Texas Land

Texas Veterans Land Board In Texas, call us Toll Free:1-800-252-VETS (8387) Outside Texas? Call 1-512-463-5060 (long distance charges apply) (PDF) -- • State Veterans Home Resident Awarded Bronze Star (PDF) • VLB is accepting nominations for naming the Texas State Veterans Home being built in Amarillo. Read the Press Release (PDF) and the Policy for Naming Texas State Veterans Homes ( Word2000 ) ( PDF ) and complete the Nomination Form ( Word2000 ) ( PDF ) • Corpus Christi awarded next Texas State Veterans Cemetery (PDF) • The Results of the October 25, 2005, FLS are now available on-line (PDF) • Watch the archived edition of the October 25, 2005, FLS Web cast • First Texas State Veterans Cemetery dedicated in Killeen (PDF) • Central Texas State Veterans Cemetery Dedication Information • James Baker III to help dedicate first Texas State Veterans Cemetery (PDF) • Rio Grande Valley State Veterans Cemetery Groundbreaking Information • Work begins on Valley's first Texas State Veterans Cemetery (PDF) The October Type I Forfeited Land Sale Handbooks are now available online (PDF) -- • Chairman Patterson visits veterans in Iraq • VLB Board Member, Mike Ussery, passes away after attending the dedication of the Texas State Veterans Home in McAllen, scheduled to open July 1, 2005. (PDF) • "Where Honor Lives" • "Voices of Veterans" Oral History Program • "Defending Freedom" A new TV Announcement honoring Texas Veterans from 1836 to today. Play Video 60 seconds High | Low Play Video 30 seconds High | Low Broadcaster Information (PDF) • Texas Veterans Voice Fall 2005 Veterans Voice Newsletter (PDF) Archived Editions of the Veterans Voice Newsletter • Media and Press Releases • Financial help available for activated Texas Reservists and National Guard members (PDF) ATTENTION-Loan Program Changes!!! VLB Land Loan maximum now $60,000. Land Loan now available for one-acre tracts. VHAP Changes Effective March 4, 2005: New-Construction housing loans must meet the U.S. Environmental Protection Agency's Energy Star ® rating as an energy efficient home. The Greenbuilding and Troops to Teachers Programs will no longer be available. The interest rate discounts previously associated with these programs will be re-directed to reducing the overall base rate for the Housing and Home Improvement Programs. The veterans with Disabilities Program discount will be available only to veterans with a VA compensable disability rated at 50% or higher. • Federal legislation filed to end discrimination in veteran loan eligibility • Convert your semiannual land loan payments to monthly payments (PDF) Message from Chairman Patterson Chairman Jerry Patterson Speaks to Veterans About the Veterans Land Board. (run time: 10:15) Play Video High | Low Land Loan Account Status Free Public Seminars and Educational Events • For Veterans • For Lenders • For Real Estate Professionals--view our upcoming events . Contact your nearest Outreach office for training opportunities. Registration for Veterans, Real Estate Professionals, and VLB Participating Lenders • Registration for Veterans to receive VLB program updates • Registration for Real Estate Professionals to receive VLB program updates • Web listing updates for VLB Participating Lenders Veterans' Resources • The National Personnel Records Center (NPRC) now accepting requests for some military records via the Internet • The Texas Veterans Commission (TVC) for information on VA benefits Laws and Rules • Laws and Rules PDF Files require the free Adobe Acrobat reader. Video media require the free Real Player . Privacy Policy Links/Accessibility Policy For our customers who are hearing impaired: The VLB TDD number is (512) 463-6367 or contact any of our program areas through Relay Texas at 1-800-735-2988. For more information, contact us .