Real estate brokers are

Real Estate Agents & Brokers Career Prospects in Virginia Real Estate Agents and Brokers Home | Find another career | Find career statistics Suggestions & corrections Printer friendly page What do they do? Real estate agents sell property for owners. Specializations : Residential property, commercial property Preferred education : Complete an approved real estate marketing program in high school (with Career & Technical Education), community college, or trade school; associate's or bachelor's degree is an advantage Certification & licensing : State license required Getting ahead : Selling more & higher-valued property brings more commissions & more property to sell Skills & knowledge : Selling, negotiating, & bargaining; working well with clients; knowledge of local area Where they work : Visiting houses & properties to be sold Job outlook : Good in the long run, but probably becoming more competitive as the housing boom of the last decade slows down Look for work : Link to job banks and other job search resources Earnings : Usually in the $16-110,000 range Links : Find more information about this career Become An Agent & Get Rich Quick? Think Again Interviews with real people See a video WHAT DO THEY DO? It's the "American Dream"-- buying a house somewhere to call one's own. And the people who assist in that dream, making a fair profit at the same time, are real estate agents. When people want to buy a house, some land, or a commercial property, they usually contact a real estate agent or broker who collects listings of all the houses, properties and parcels of land for sale in a particular city or neighborhood. The agent sorts through the listings and selects the properties that seem to fit a buyer's price range and needs. The agent then shows the property to the buyer, along with any others that seem to fit the bill. When clients have questions--for instance, how old is the roof and is the property in a flood zone--agents track down the answers. They draw up contracts between buyers and sellers, and help smooth along the whole process by acting as a "go-between" between buyer and seller. Money enters the picture when the agent actually makes a sale. Agents charge both buyers and sellers for their services. Many also offer services like renting and managing property owned by others, also for a fee. Real estate brokers are the people who own and manage real estate agencies. Real estate agents are usually independent sales workers who provide their services to a licensed broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agent’s sale of the property. (Agents are also sometimes called realtors if they belong to the National Association of Realtors). Despite all the excitement and money in real estate in recent years, selling real estate is not an easy line of work. Agents must stay on top of changes in the market by constantly touring homes that have just been listed. They work nights and weekends and have to be on call for clients who want to see them at odd times. They spend many weekend afternoons sitting at "open houses" and must be aggressive and good at drumming up new clients. In very competitive markets they must perfect the art of cold-calling or canvassing for new business. Va Association of Realtors Most importantly, real estates agents must be expert negotiators since they must manage delicate price negotiations when an interested buyer and seller hook up. The agent also coordinates the "closing" when a property is sold, that is, the actual signing of papers and transfer of a property's title. Once the property is sold, the agent who sold it and the agent who first got the listing both receive a portion of the commission. Agents who sell a property they also listed can increase their commission. Real estate agents and brokers need to know a lot about the communities in which they work. They need to know about the local real estate market and about local services, particularly the schools. They also need to be familiar with local zoning and tax laws, and know where to get financing. A broker's knowledge, resourcefulness, and creativity in arranging mortgages often means the difference between success and failure in closing a sale. Above all, the successful real estate agent has to be able to sense what clients really want in a property, be good at selecting properties that clients will like, and at helping clients be realistic about what they can afford. This type of job, in short, calls for a business-minded "people" person who really knows the lay of the land, so to speak. Specific tasks include: Finding properties to sell Estimates property will sell for to set the opening price Meeting with prospective buyers Helping buyers find property that they like Knowing the physical condition, features, and special characteristics of properties Preparing purchase agreements Referring clients to lawyers and tax consultants Working with lenders, home inspectors and others until the sale is completed to the client's satisfaction Commercial Investment Real Estate Real Estate Professional Realty Times The right job for you? Learn more with an informational interview with a local employer . The wrong job for you? Take an interest test & find a better one . SOME AREAS OF SPECIALIZATION Most real estate agents and brokers sell residential property. A small number, usually employed in large or specialized firms, sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. EDUCATION, CERTIFICATION, & LICENSING In Virginia, as in every other state, real estate brokers and agents need a license. Prospective agents need to be at least 18 years old, and pass a written exam. The exam--more comprehensive for brokers than for agents--includes questions on basic real estate transactions and laws affecting the sale of property. In Virginia, agents have to complete 60 hours of real estate classes at an approved school and pass the state and national portions of the salespersons exam. Brokers must complete 180 hours of education, pass the state and national portions of the broker exam, and submit proof that they worked as a salesperson during 36 of the preceding 48 months before applying for a license. A college degree is helpful in certain areas like commercial real estate, but it is not required. Real estate licenses must be renewed every two years. To qualify for renewal, agents and brokers need to complete 8 hours of approved continuing education. In addition to licensure and continuing education requirements, real estate agents and brokers in Virginia cannot be guilty of violating the fair housing laws of any jurisdiction, nor convicted anywhere for a misdemeanor involving moral turpitude, sexual offense, drug distribution, physical injury, or any felony. Real estate agents and brokers can also study to earn their GRI a nationally recognized professional designation that stands for Graduate, REALTOR® Institute. Studying to be a real estate agent in Virginia: Are you in high school? Learn more about Career and Technical Education . Find out about CTE courses in Real Estate Marketing. Students who complete this course are eligible to take the Virginia real estate licensing exam. Planning to go to college? Find real estate programs at community colleges . Read " How do I become a realtor " from the Virginia Association of Realtors. Find out more about getting a license and other issues from the Virginia Association of Realtors. Find more information on licensure and a list of schools and colleges approved to offer the required courses for brokers and agents from the Virginia Department of Professional and Occupational Regulation. Read about GED , High School , Community College , Financial Aid , & more in The World of Education Va public schools • Your School Division • HS Graduation Requirements • Career Readiness Certificates GETTING AHEAD Real estate agents advance as they learn more about the business, become more efficient, and as a result increase their earnings by selling more property. They may also earn larger commissions by moving to agencies that list more expensive properties. In large agencies, experienced agents can advance to sales manager or general manager. Experienced real estate agents who go on to get a broker’s license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. Bright ideas for getting ahead in any job SKILLS, ABILITIES, & PERSONAL CHARACTERISTICS Communicating clearly Working well with customers or clients Working in a highly competitive environment Attention to detail Listening carefully to what someone else is saying Keeping track of numerous responsibilities at once Dealing with people under stress Being consistently pleasant and polite Building and maintaining good public relations Selling, negotiating, and bargaining Thorough knowledge of local area Inspiring trust and confidence Keeping abreast of economic conditions and trends In addition to career-specific skills, everybody needs these basic skills: Reading Math Writing Speaking & listening Computer literacy Problem-solving & decision-making Understanding the broader picture Working with people A strong work ethic A positive attitude Independence & initiative Self-presentation WHERE THEY WORK ( Employer locator ) Real estate brokers and agents spend much of their time away from their desks, showing properties to customers, analyzing properties for sale, or meeting with clients. Increasingly, real estate agents work from home because now they can get so much of the information they need over the Internet. OUTLOOK Real estate brokers and agents enjoyed boom times during the last decade, as demand for housing soared. However, the future will not be quite so bright if interest rates rise and sales slow. In fact, some experts fear that the recent housing boom is expanding into a bubble that will soon burst leading to a fall in house prices and a slowdown in sales. Even if the real estate market holds up, opportunities for agents and brokers are expected to grow more slowly than average through 2012. People who want to buy houses can now do a lot of their own searching on the Internet, and this will probably reduce the need for agents and brokers. However, jobs prospects in this field also tend to vary by region and since many people are expected to retire from this field in coming years, there will always be work available. The economy in: Your area • Virginia • The nation Employment projections Monster Employment Index Manpower Employment Outlook LOOK FOR WORK See job ads at Virginia's Job Bank • More job banks • Find local employers Learn job search skills—from reading job ads to preparing for the interview EARNINGS See what people usually earn Most real estate agents in Virginia earn somewhere in the $16-73,000 range. Brokers usually earn more, in the $20-110,000 range. Incomes in this occupation vary widely because agents work on commission. They are paid a percentage of each sale they make, so their incomes depend on the price and the number of properties they sell. The average commission is about 5-7 percent of a property's selling price. This commission rate varies from firm to firm, and commissions are often split between broker and agent on a 50-50 basis. Commissions can also be split between the agent and broker of the listing firm and the agent and broker of the firm that made the sale. Learn more about earnings at Salary.com , Payscale.com , Career Info Net , & other sites FOR MORE INFORMATION Virginia Association of Realtors 10231 Telegraph Road Glen Allen, VA 23059 www.varealtor.com Virginia Department of Professional and Occupational Regulation Real Estate Board 3600 W Broad St Richmond, VA 23230 www.state.va.us/dpor/reb_main.htm National Association of Realtors 4301 North Michigan Ave Chicago, IL 60611 www.realtor.com/ National Association of Real Estate Brokers, Inc. 1629 K St NW, Suite 1100 Washington DC 20006 www.nareb.com/ About.com's Real Estate professional's page Realty Times realtytimes.com/ WetFeet.com, Career Profiles and Interviews Career Overview www.wetfeet.com/asp/careerprofiles_overview.asp?careerpk=33 Industry Overview www.wetfeet.com/asp/industryprofiles_overview.asp?industrypk=27 Real People Profiles www.wetfeet.com/research/rpp/rppbycareer.asp?careerpk=33&careerName=Real+Estate This page was last edited on: November 18, 2005

Investment Property With full

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Land loans , acquisition

loans: commercial mortgages land loans commercial financing Domestic international project financing international financing, international loans, international project financing . . . . . . . . . . 1 commercial real estate, asset business loans, commercial real estate finance, lender, loan services, equipment financing, equipment leasing, commercial equipment loans, equipment lending, loans for equipment, domestic and international equipment financing, equipment sale leaseback, business loans, working capital, buy back, refinance, hard cash money, business and finance, commercial lender, financing, equipment sale leaseback, financial services, commercial real estate finance, bridge, resale, commercial property loans, finance, equipment sale leaseback, small business financing, equipment lease, leasing, commercial mortgage, accounts receivable factoring, business, commercial, signature, unsecured personal business lines of credit, 144 restricted and free trading stock loans, stock block purchases, equipment sale, ease-back, funding, equity, lender, medical healthcare doctor financing, purchase order, advance commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, richard milford, mortgagecapfinancial Mortgage Cap Financial provides commercial real estate financing to real estate investors and developers in need of construction, interim, or long term funding on commercial real estate. 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 Mortgage Cap Financial PHONE: 212-631-4272 FAX: 212-208-3069 Please bookmark this site for future reference. email us Loan Types 1 Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format International Financing / International Project Loans: Loan amounts: 20,000,000 and above. Geographic: International with emphasis on projects in North, Central and South America, Europe and Asia. Types of projects: All types of large residential and commercial real estate developments, mergers and acquisitions financing for successful companies seeking to expand or buy out other companies, energy projects such as power plants, ethanol plants, oil and gas refineries, large infrastructure projects such as roads, bridges, railroads, cement plants, hotels, and casinos. Types of financing: Loan terms and conditions would be dependent upon the perceived risk of the project and the strength of the principals; however the rates and terms are very competitive. Please e-mail a summary of the International Project Loan request. LAND ACQUISITION AND DEVELOPMENT FINANCING CONSTRUCTION AND DEVELOPMENT FINANCING Loan amounts: 1,000,000 and above. Very large loan requests welcome. Types of properties: Land , construction and development of multi-family , hotels, motels , casinos, shopping centers, office buildings, industrial complexes, mixed use properties, nearly all general and special purpose properties will be considered. Rates and terms are reviewed with the principals and /or broker after submission of loan submission form and executive summary of the project has been received. Geographic areas: Throughout the United States with loan amounts 1,000,000 and above. International loans 20,000,000 and above. Projects in Mexico can be reviewed in loan amounts of 1,000,000 and above. Types of loans available: Land loans , acquisition and development financing, bridge loans, fast equity loans, and long term financing of 5 years and longer. Small, medium and large size developers are invited to submit loan requests. Types of land projects that we have reviewed recently are residential subdivisions, land lots, commercial development of land lots and subdivisions of mixed use properties. Interest rates are reflected by the perceived risk of the project and the financial strength of the principals and the willingness of the principals to guarantee the loan requests. Also the amount of time the principals have to act upon the loan request, very fast loans can be provided but the cost of capital will be higher because funds are derived from private funds. For projects that have a 30 to 60 day window to close interest rates can be lower because a greater amount of time is available for due diligence and greater amount of documentation can be provided and supported. We are able to assist developers in virtually all phases of their development whether it be a commercial or residential development, and sometimes there may be more than one solution to their financing request and they will be presented after review of their construction and development loan request . Special purpose property types such as amusement parks, casinos, power plants, and owner occupied business properties such as offices, gas stations, truck stops, and other special purpose properties can be considered. We understand the needs of the developer, and whether you need a fast loan to take advantage of a special acquisition opportunity or need a complex financial structure to build out your next project we are ready to consider your construction and development financing request. Please submit an executive summary of your construction and development loan request to Mortgage Cap Financial by E-Mail . Brokers and principals invited to acquire about all of our financing programs, information and checklists about the requirements of the various financing programs can be obtained by reviewing our entire web site. If there are any questions, please contact us . Domestic and International Financing Program: Loan amounts: 20,000,000 and above, all size projects that are 20,000,000 and above can be considered. Geographic: USA and Internationally based projects can be reviewed. Types of projects: Real estate, energy, and all type of infrastructure projects. Types of projects can include residential and commercial real estate development, hospitality and medical related facilities, power plants, oil and gas mining projects, infrastructure projects such as tunnels and railroads and other large scale projects that are needed throughout the world. Terms and conditions: That is dependent upon the specific project and the perceived risk of the project. Please e-mail us a summary of your project. Land / Construction Loans Quality Properties and Borrowers Loan Amounts: $3,000,000 - $20,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: land acquisition, refinance for infrastructure and construction Loan to Value (LTV): Purchase: to 90% of cost Refi: 60- 75% of as is value Construction: to 100% of construction cost Recourse: Yes. Non-recourse will be considered Advance Fees: NONE in most cases, until Term Sheet/LOI is issued. Then 3 rd party costs and out of pocket expenses. Loan Fees: 5-7 points Interest Rates: 11-14% Term Sheet / LOI: 5-7 days Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter Preview Checklist: 1. Executive Summary: 1-2 page Deal Summary. Include property history and any challenges that exist. Please be sure to include exact property location and description, detailed use of proceeds and Exit Strategy (how and when loan will be paid. 2. Purchase price or year of purchase and purchase price, if refinance 3. Executive Summary from latest appraisal 4. Resume and Personal Financial Statements on all Borrowers 5. Most recent business and personal tax returns on Borrowers 6. Current Credit Bureaus with FICO scores on Borrowers 7. Cash equity investment by Borrowers AND detailed use of cash to date. 8. Detailed use of funds and construction budget, if applicable 9. Status of required entitlements and approvals 10. project timetable for remaining entitlements, infrastructure, construction to Lease-up or full sell out 11. Pro-forma financial projections and operating statements. Digital aerial photos of property, if available LAND LOANS: Loan Amounts: 1,000,000 to 100,000,000 Geographic areas: USA, Canada, and Mexico Acquisition land loans up to 80% of purchase price and refinancing up to 70% of the value of land. SMALL LOAN PROGRAM FOR COMMERCIAL AND MULTI-FAMILY PROPERTIES: Loan Amounts: 500,000 to 3,000,000 Property Types: Apartments, retail, industrial and office buildings, hotels and motels. Mixed use properties such as apartments over commercial use property are acceptable. JUMBO COMMERCIAL FINANCING: Loan Amounts: 5,000,000 to 750,000,000 Terms: 5 TO 25 YEARS Property Types: MULTI-FAMILY, COMMERCIAL, DEVELOPMENTS, HOTELS, RESORTS, CASINOS, RESIDENTIAL DEVELOPMENTS Loan To Value: UP TO 90% Geographic: USA, CANADA, plus NORTH, CENTRAL, AND SOUTH AMERICA RATES ARE BASED ON RISK INHERENT WITH PROJECT. Types of Loans: CONSTRUCTION AND LONG TERM LOANS SECURED BY LAND AND IMPROVEMENTS BELOW PRIME RATE - FIXED RATE FINANCING: Owner User and Investment Properties Available in all 50 states . LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) DOCUMENTATION: Full Doc only min DCR of 1.2 CREDIT SCORES: 650 FICO PROPERTY TYPES: Owner User or Investment Properties: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered - case-by-case. NOTE: Flagged hotel/motel and restaurants ARE eligible for this program. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties INTEREST RATES 2 year fixed rate: Prime less 1.25% AS LOW AS: 5.75% Current APR NOTE: At end of 2 yr term, Borrower will have option of quarterly adjustable at P +1% or 5 yr fixed at then current rates. PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase rate by .625%) Other programs available with 5,7,10 and 25 yr* fixed rates. Call 212-631-4272 for details and quotes. * 25 yr fixed rate available only on Owner User Properties. COMMERCIAL CONSTRUCTION FINANCING: LOAN TO COST: UP TO 90% OF THE PROJECT CAN BE FINANCED, IN CERTAIN CASES UP TO 100% OF THE PROJECT CAN BE FINANCED. LOANS AVAILABLE NATIONWIDE USA. ALL 50 STATES CONSIDERED. MORTGAGE FINANCING: FIRST AND SECOND MORTGAGES AVAILABLE THROUGHOUT THE UNITED STATES. CONSTRUCTION LOANS ALSO AVAILABLE. LOAN AMOUNTS OF 500,000 TO 200,000,000. PROJECT TYPES CAN INCLUDE APARTMENTS, SHOPPING CENTERS, OFFICE BUILDINGS, HOTELS, MOTELS, INDUSTRIAL PROPERTIES. WE FINANCE THE HOTEL AND MOTEL PROJECTS: WE CAN FINANCE THE TO BE BUILT HOTEL OR MOTEL FLAGGED OR UNFLAGGED. WE ARE READY TO PROVIDE THE CONSTRUCTION OR BRIDGE LOAN SO YOU CAN GET THE PROJECT OFF THE GROUND OR TO REHABILITATE. CONTACT: RICHARD MILFORD - PHONE: 212-631-4272 FAX: 212-208-3069 OR JUST PRESS THE E-MAIL ENVELOPE AND LETS START TALKING ON HOW WE CAN FINANCE YOUR PROJECT. INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Mixed Use, Office, Retail, Light Industrial and Warehouse. Special use properties considered on case-by-case basis. TERM and AM: 25 year fully amortizing, with no calls or balloon LOAN TO VALUE: to 75% LTV on multi use properties FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 5 year rate: 5 yr FHLB + 2.65% AS LOW AS: 10 year rate: 7 yr FHLB + 2.90% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) ATTENTION: DEVELOPERS 100% FINANCING NOW AVAILABLE Pre-Leasing : Not required Property Type(s): All property types are eligible under this program including apartments, condos, hotels, motels, office buildings, resorts, golf courses, and a wide variety of commercial and residential developments . Geography: Nationwide USA, Canada, Mexico, and other countries considered. Minimum Deal Size (all-in cost): $5,000,000 Maximum deal size (all-in cost): $750,000,000 Development Type: All types of residential and commercial developments are considered under this financing program including hotel resort projects and speculative residential and commercial projects and rehab deals. Timing: Maximum Five (5) Year Hold Period. We are seeking developers and investors who have a successful track history and can demonstrate a successful history in residential and commercial development as well as real estate investing. INVESTMENT PROPERTIES MORTGAGE LOAN PROGRAM - PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format Property Types: - Office / Medical / Apartment properties / Industrial buildings / Retail centers / Warehouse properties / Mobile home parks / Self Storage Loan Amounts: $1,000,000 - $20,000,000 Terms: 10 to 25 year term mortgages dependent on property type. Amortization: Up to 30 years. Property types: Apartments and commercial income producing properties. Loan Types: Fixed and variable rate loans for property acquisition, refinance, and permanent financing. Loan to Value (LTV): Up to 80% LTV: $1,000,000 to $3,000,000. Up to 85% LTV on apartments, office properties or anchored retail, $3,000,000 and above up to 20,000,000. Recourse: NON RECOURSE Origination Fees: PAR RATES NO POINTS FOR THIS SPECIFIC LOAN PROGRAM ONLY. Rates: 10 yr fixed rate w/ 30 year am: - Apartments: as low as 5.2% (10yr T + 100 bp 145 bp) - Commercial: as low as 5.6% (10yr T + 140 bp 170 bp) Pre-qualification: 72 hrs Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: For the investment properties loan program only: - No seller carry or secondary financing permitted for this specific loan program - No restaurant, hotel/motel, auto related or land loans for this specific loan program - No construction loans under this specific loan program PRINT OUT AND FAX OR E-MAIL INVESTMENT PROPERTIES MORTGAGE LOAN APPLICATION (in Word) or in Adobe Acrobat format MULTI FAMILY INVESTMENT PROPERTY FINANCING Available in all 50 states. LOAN AMOUNTS: $500,000 to $5,000,000 LOAN PURPOSE: Permanent financing for purchase, expansion or refinance (with or without cash out) PROPERTY TYPES: Multi family properties in MSAs with populations greater than 50,000 TERM and AM: 25 or 30 year fully amortizing, with no calls or balloon LOAN TO VALUE: Max 1 st lien: 75% LTV. Secondary financing not to exceed 85% CLTV CASH OUT REFI: 70% max LTV with 85% minimum occupancy FIXED RATE TERMS: 5 or 10 yr fixed rates available INTEREST RATES 3 year rate: 3 yr FHLB + 2.65% AS LOW AS: 5 year rate: 5 yr FHLB + 2.65% 7 year rate: 7 yr FHLB + 2.65% PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OCCUPANCY: 80% minimum at time of origination and projected FLAGGED HOTEL / MOTEL PROPERTIES Quality Properties and Borrowers Loan Amounts: $2,000,000 - $10,000,000 Term / Am: 10 year term with 25 year amortization Loan Types: 10 year fixed rate loans for property acquisition and refinance Loan to Value (LTV): 70 precent maximum for purchase or refinance (no cash out). 65% maximum if cash out refinance unless being used to enhance value of property. Recourse: Full recourse for this particular program, non recourse loans may be available at different rate, terms and conditions and may have yield maintenance prepayment penalties, this particular program have different prepayment penalty scenarios are dependent upon the specific project. Origination Fees: NONE Loan Fees: 2 to 4 points Rates: 10 yr fixed rate w/ 25 year am: 6.5% to 7.5% Pre-qualification: Completion of our loan submission form, once reviewed and there is interest the documentation below will be requested. Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format Commitment Letter: Within 7-10 days of receipt of complete loan package. Funding: 30 to 45 days from Commitment Letter. NOTE: - Good credit and cash flow. DCR: 1.3 minimum. - Established properties only. No turnarounds, startups or construction. - Value based on lower of purchase price or appraisal, if purchase. - Borrower must be experienced or hire recognized hotel management company. Please note that we have other hotel/motel financing programs that will review turnarounds, both franchised and non franchised hotels and motels, rates and terms are subject to change and underwriting. NEEDED TO PRE-QUALIFY: - L ast 3 years property tax returns. - Y ear-to-date financial statements. - C urrent credit bureau with FICO on Borrowers. - Executive Summary from latest appraisal. - Current Personal Financial Statements for Borrowers. - Latest personal tax returns from Borrowers. - Digital photos of property, or web site with photos. - Last 3 years occupancy annual reports. - Year to date occupancy monthly reports. - Amount of loan request. - Detailed use of funds. Commercial Bridge and Construction Loan Program $3,000,000 to $25,000,000 Purpose: Commercial construction loans and or commercial bridge financing for the ground-up development of new commercial properties, or the renovation and repositioning of existing properties, for both pre-leased and speculative development. Loan structure, pricing, advance to cost ratios and recourse requirements are flexible and will be tailored to meet the needs, risk profiles, and requirements of individual transactions. Acceptable Property Types: Apartments Condominiums Office Retail Industrial Mixed-Use Hotels Loan Term: Typically 12 to 24 month interest only term, with extension options when appropriate. Loan to Value: 75% on most property types; 65% on special purpose and hotels Maximum Loan to Cost: 75% to 85% (up to 100% on pre-leased projects) Loan Structuring: Loans typically structured with holdbacks for funding of all renovation and/or construction costs, tenant improvements, leasing commissions, and interest carry until stabilization, with monthly draws as costs are incurred. Earnout Provisions: Earn out of up to 75% of the stabilized value funded upon achieving specified occupancy and NOI hurdles. Loan Pricing: 3.00% to 4.00% over six month LIBOR (interest only), plus Loan Fees of 2% to 4%. Liability: Loans are typically non-recourse, except for standard carve-outs. Speculative development projects will generally require completion and/or debt service guarantees. Closing Time Frame: Approximately 45 to 60 days. Quick closes available for time sensitive transactions Permanent Loan: Permanent takeout option offered with all construction / bridge loans. An Exit Fee of 1% is charged if the takeout is not elected. Nationwide Bridge Loan Financing $2,000,000 to $75,000,000 Program Guide Project Types: Interim financing used to complete a time sensitive transaction, to reposition or renovate existing properties, or to overcome temporary credit or property challenges that make the transaction unsuitable for traditional lenders. Virtually any income producing property, including retail, office, medical, apartments, industrial/flex or special purpose properties. The primary considerations for bridge loan financing are the LTV and a compelling exit (repayment) strategy. Loan Amounts: $2,000,000 - $75,000,000 Terms: 12 to 36 months Amortization: Interest Only Use of Proceeds: Property conversion or renovation or other need Loan to Value: 50% to 90% depending on project specifics and deal strength Recourse: Typically, Yes. Interest Rate: As low as Prime + 1.5%, depending on transaction strength Loan Fees: Dependent on deal strength Term Sheet/LOI: 3-5 days from receipt of all requested information Funding: 10 to 45 days from acceptance of LOI OWNER USER / SINGLE TENANT Commercial Property Financing Available in all 50 states. We offer very aggressive rates to for Owner User Commercial properties where the Borrowers business is the primary tenant or there is a single credit tenant Lessee. LOAN AMOUNTS: $500,000 to $6,000,000 LOAN PURPOSES: Permanent financing for purchase, expansion or refinance with cash out. PROPERTY TYPES: Office, retail, wholesale, light industrial and Special Purpose Properties (lower LTV); restaurants, flagged hotels, auto & truck dealers, RV Parks, self storage, bowling alleys, funeral homes, etc. TERM and AM: 25 fully amortizing, no calls or balloons LOAN TO VALUE: Purchases: max 85% LTV on multi use properties, 65% max LTV on Special Use Properties Cash Out Refi: max 75% LTV, lower on Special Use Properties FIXED RATE TERMS: Fixed rate loans available for 5, 10 or 25 years INTEREST RATES 5 yr fixed: 5 yr US T SWAP + 2.50 AS LOW AS: 10 yr fixed: 10 yr US T SWAP + 2.55 25 yr fixed: 10 yr US T SWAP + 2.65 PREPAY POLICY: Standard: 10% yr 1, declining by 1% per year Optional: 5% for 5 years (increase in rate will apply) OWNER USER PROPERTIES Conventional Loan Programs (Not SBA) Property Types ; - Office / medical - Restaurants - Industrial buildings - Auto related - Retail properties - gas station/C-store - Warehouse properties - other special purpose Loan Amounts: $1,000,000 - $30,000,000 Terms/Ams: 15/30, 20/20 and 25/25 (>$2 mil) Loan Types: ARM and Fixed rate loans for property acquisition, refinance and construction Loan to Value (LTV): * Multi-use properties: 85% LTV. To 100% LTV with Seller financing or other real estate equity as additional collateral. ** Special Purpose Properties: 65% - 75% LTV. To 85% LTV with Seller financing or other real estate equity as additional collateral. Recourse: Yes Loan Fees: 0 1 point, dependent of deal strength Interest Rates: Qtrly Adj: Prime to P + 1.5% 5 yr fixed: P + 1.0% 2.5% 10 yr fixed: P + 1.4% 2.8% 20 yr fixed: P + 1.75% - 3.25% 25 yr fixed: P + 1.85% - 3.45% Note: rates are subject to underwriting approval and may change without notice. Pre-Qualification: 72 hrs Commitment Letter: within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter NOTE: - Seller carry may be permitted. - Construction loans: all interest and principal accrues during construction - Prepay Policy: 5/5/4/3/3 - Owner Occupancy: 25% minimum. Must have cash flow without rental income. Nationwide Commercial Real Estate Development Land, Construction and Joint Venture Financing Program Guide Borrowers: Experienced investors and commercial developers with demonstrated track record comparable to current project. Project Types: Commercial, retail, office, industrial/flex, residential subdivision, planned communities, golf course communities, condominium and condo conversions. Rehab projects and Special Situation projects considered. Loan Amounts: $5,000,000 - $75,000,000 Terms: 12 to 36 months, or longer depending on project Amortization: Interest Only Use of Proceeds: Total project financing, debt or JV equity for land acquisition, refinance for infrastructure completion and vertical construction Loan to Cost: 50% to 100% depending on deal strength Interest Rates: As low as Prime + 1.5%, depending on deal strength Recourse: Typically, Yes. Non-recourse considered. Loan Fees: Dependent in deal strength Term Sheet/LOI: 3-5 days from receipt of all required information Commitment Letter: Within 7-10 days of receipt of complete loan package Funding: 30 to 45 days from Commitment Letter. Faster as needed. Commercial Financing Matrix Property Types Ranches and Farms Gas Stations, Car Washes, Auto Related Hotel and Motels Industrial Unimproved Land Golf Courses, RV Parks, Marinas Hospitals, Clinics, Assisted Living Mixed Use Property Mobile Home Parks Apartment Buildings Office Buildings and Parks Industrial Parks Office Condominiums Owner Occupied Businesses Parking Lots Self Storage Single Tenant Buildings Sports Related Buildings and Complexes Prisons, Jails, and Juvenile Correction Centers | Condominium Conversion / Construction loans | Casinos and Convention Centers Loan Types Acquisition and Development Bond Bridge Loans Business Loans Construction Equity Second Mortgages Foreclosure Avoidance Forward Commitments Joint Ventures Mezzanine Non-Recourse Notes Purchased Remodel / Renovation SBA 504, 7A Loans Loan amounts: $1,000,000 to $350,000,000 International financing for all types of real estate, business and energy related projects. Financing for power plants, ethanol plants, wind mills, casinos. Financing for mergers and acquisitions of successful real estate and business organizations. International financing can be for business expansions, residential and commercial development projects in loan amounts of $20,000,000 and above. Financing for prisons, jails and juvenile correction centers are intended for private sector companies that have been awarded federal, state or local governmental contracts to perform these services. If there are any questions, please contact us . Click here for Commercial Loan Submission Form, please complete ande-mail or fax back to us at 212-208-3069 so we can review your project (in Word). or in Adobe Acrobat format Equipment Financing / Leasing Program - PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format Equipment Leasing Qualifications : Financing available for business purposes only. No part of any funds can be used for personal purposes, separate business banking account and company must be registered with city and state government. Customer minimum 2 years in business, start ups and businesses established less than 2 years can be considered but personal credit of guarantors will be more critical Bank account open for at least two years and handled in a satisfactory manner, again less than 2 years can be considered with compensating factors Credit previously established for at least one year with a satisfactory payment history in the form of a lease, loan or trade agreement. If no prior credit maximum lease amount may be restricted Up to $50 million available with approval of completed application. Application only types of leases up to 150,000 with exceptional credit otherwise financial statements, tax returns and completed application Mortgage Cap Financial specializes in the following transactions: All Types of Equipment Non-Rated Credits Various End-of-Lease Options Available Purchase Single Transactions and Portfolios Profitable Companies, Minimum 2 Years in Business, start up and companies that are not profitable must have compensating factors such as additional collateral and/or personal guarantors Domestic and International equipment financing Why Lease? It's simple: leasing can be more cost-effective than buying with cash, or with conventional loans -- especially if the new equipment can help increase sales or profits. And here's why: Leasing conserves your working capital. You can finance up to 100% of the equipment cost, with no money down. Leasing won't sap your business credit. In many cases, you can continue to use your existing lines of credit while leasing. Fixed payments. Your monthly payments remain the same, no matter what happens to conventional interest rates. Tax savings. Lease payments can be operating expenses that come out of pre-tax earnings. Eliminate obsolescence. With an outright purchase, you 'own' that equipment, even if it is already outdated by newer technology. A lease can be structured to terminate when the equipment becomes obsolete. Flexible Terms and Conditions. Leases can be adjusted to your needs. Options include seasonal payment skips, step-up or step-down payments, monthly, quarterly, or annual payments. Simple accounting. A lease payment is typically a line-item expense that doesn't increase your liabilities on your balance sheet. If you don't see your equipment on this list, we still should be able to lease it. Most equipment can be leased. Vendors of equipment and customers wanting to lease equipment, if you need a down payment at the time of your order we can work out special terms. PRINT OUT AND FAX OR E-MAIL EQUIPMENT FINANCING LEASING APPLICATION (in Word) or in Adobe Acrobat format A AC's Aerial Lifts Air Cleaning System Air Compressor Air Conditioners Air Filter System Air Purification Alarm Alignment Machines Amusement Analytical Equipment Analyzer ATM Cash Dispenser Audio Video Audio Visual Automotive B Backhoe Bagging Machines Bakers Equipment Balers Beauty Equipment Beds, Bedding Beer Systems Beverage Dispenser Blast Cleaning Blowers Boilers Bowling Lockers Brake lathes Breathalyzer Machine Broadcasting Studio Equipment Buffer Bulk Storage Tanks Bulldozers C Cameras Car Wash Carpet Cleaner Carts Cash Register Chairs Chipper Cleaning Equipment Clothes Press Coffee Carts Coffee Maker Coin Changer Coin Laundry Equipment Color Matching System Color Mixer Computers Compressors Compactors Concrete Pump Concentrators Construction Machinery Containers Conveyers Coolers Cooling Cranes Cutting Tools D Data projector Deli Case Dental Equipment Diagnostic Equipment Digital Systems Dishwashers Dispatch Equipment Display Case Draft Box Dry Clean Press Dry Cleaning Dryer E Emergency Vehicles Engraving Equipment Excavators Espresso Machine F Fax Machines Filing Equipment Film processors Fixture Floor Machines Flower Coolers Food Preparation Food Service Equipment Forklifts Franchise Programs Frame Machine Freezer Frozen Cocktail Machine Fryer Furniture G Gas Pump Graphic Equipment H Heat Pump Heaters Heating Hospital Beds Hydraulic Submersible Pumps I Ice Cream Machine Ice Machine Ice Makers Imaging Systems Industrial Systems Inventory Control Systems Ironworkers Equipment J Janitorial Juke Box K Kiosks Kitchen Equipment L Laptops Laser Engraving Laser Systems Laundry Equipment Lawn Equipment Lifts Lighting Lock Systems Logging equipment M Machine Analyzer Mail Boxes Medical equipment Medical Imaging Merchandising Unites Microwaves Milling Machine Mobile Communications Mobile Phones N Navigational Equipment O Office Furniture Organs Oven Overhead Cranes Oxygen Concentrators P Packaging Systems Packer Bodies Pagers Paint Booths Paint Mixer Pallet Equipment Petroleum Gas Station Phone Systems Photography Equipment Piano Pizza Oven Plotter Pneumatic Tube Systems Point of Sales Portable Pumps Portable Trade Show Exhibits Prep Table Press Pressure Washer Printing Equipment Pump Systems Push Carts R Radios Range Recovery Equipment Recycling Equipment Refrigeration Register Rehabilitation Equipment Restaurant Equipment Retail Units Roll Offs Router Tool System S Salon equipment Sandwich Prep Table Satellite Dish Saws School Buses Screen Printing Equipment Security Systems Sewing Machines Signs Silk Screen Equipment Shrink Wrap & Packaging Skid steer Loaders Slicer Smart Dialers Smoker Snack Machine Snow Board Press Soda Machine Software Sound & Music Equipment Special Industrial Equipment Spray Systems Steam Cleaners Steel Pallets Store Fixtures Stove Sub Maker Surface doctor Equipment Surveillance Systems T Telephone Systems Television Systems Test Equipment Tire Equipment Tools Tractors Trailers Transportation Treatment Tables Trenching Machines Trucks Tub Grinders Two Way Radio Systems TV V Vacuum Valve Equipment Van Vehicle Monitor Equipment Vending Machines Video Security Voice Mail W Walk In Cooler Warehouse Rack Systems Washer/ Dryer Waste Equipment Waste Oil Heaters Water Conditioner Water Filter Water Softener Welder Woodworking Work Platforms Wrecker X X-ray Equipment Y Yogurt Machine Loan Types Information Needed Construction Loan Documents Property Types Commercial Loan Application Forms Business Loan Program Commercial Real Estate Loans Construction Financing Program Owner Occupied Financing Program Real Estate Financing Program Joint Venture Funds Rental Properties Checklist Fixed Rate Financing Program Income Properties Checklist Construction Lender Checklist Commercial Real Estate Loan Application Environmental Questionnaire Credit Authorization Form Click here for Loan Submission Form, please complete and e-mail or fax back to us so we can review your project (in Word). or in Adobe Acrobat format PHONE: 212-631-4272 FAX: 212-208-3069 Loans provided are only for business and investment purposes. Only business and investment property and other business assets can be used to collateralize any business and / or real estate loan request. Funds can not be used for any personal purposes and can be only used for commercial business and investment purposes. Borrower may be required to use single purpose borrowing entity which could take the form of a limited liability company or corporation. The first step to begin to see if there is an interest in your business or real estate financing request is to complete the Loan Submission form and either e-mail or fax back to Mortgage Cap Financial. web site: http://www.mortgagecapfinancial.com Please bookmark this site for future reference. Legal Notice Last update 01/01/2006. Site created 11/27/98. Web Site designed and maintained by Able Al'sComputer Help . (c)1998-2006 Mortgage Cap Financial. Allrights reserved. capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture, capital, commercial mortgages, financing, commercial real estate, venture, capital, commercial mortgages, small business loans, financing, commercial real estate, venture

Home Loan

Home Mortgage Loan - Forbes.com - Home Loan Mortgage Company U.S. | EUROPE | ASIA Jump Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special Reports Video & Audio Watchlist IT Research Library IT Product & Service Search Business -Manufacturing -Technology -Commerce -Services -Energy -Healthcare -Small Business Technology -E-Business -Enterprise Tech -Infoimaging -Personal Tech -Science & Medicine -Wireless Markets -Equities -Economy -Commodities -Bonds -Emerging Markets -Currencies Work -Careers -Compensation -Entrepreneurs -Management Lists -Companies --Forbes 500s --Forbes Global 500 --200 Best Small Cos. --400 Best Big Cos. --Largest Private Cos. -People --World's Richest People --100 Top Celebrities --400 Richest Americans --Best Paid CEOs -Places --Best Places Personal Finance -Estate Planning -Funds -Philanthropy -Retirement -Strategies -Taxes Lifestyle -Collecting -Health -Real Estate -Sport -Travel -Vehicles -Wine & Food Columnists Magazines -Forbes Magazine -Forbes Global -Forbes FYI -Forbes ASAP -Best of the Web -Archives -Subscriptions Tools About Us Contact Us Help Reprints/Permissions Sitemap Advertising Conferences Forbes Collection Forbes Mobile Special Advertising Search Quote HOME PAGE FOR THE WORLD'S BUSINESS LEADERS Home Special Advertising Section Tell Us About Your Loan Needs What Type of Loan do You Need? * Refinance Purchase Home Debt Consolidation Home Equity Estimated Home Value * $ Select One 75,000 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Where is the property located? * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi 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 Home Description * Single Family Multi Family Town House Condo Tell Us About Your Current Loan Your Mortgage Balance * $ Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ Current Interest Rate * Select 3.00 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 5.50 5.75 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11+ % Existing Rate Type * Fixed Adjustable Fixed/Adj Do You Have a Second Mortgage Balance? None 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,000+ 1,500,000+ 2,000,000+ How Much Additional Cash do You Wish to Borrow? $ Tell Us About Your Home Purchase Is there a Specific Home You Want to Buy? * Yes No Purpose of Property * Primary Secondary Investment Vacation How Much do You Want to Put Down? * Select One 0 1 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 Over 1,000,000 Are you Looking for a Fixed or an Adjustable Loan? * Fixed Adjustable Fixed/Adj Tell Us About Yourself Select Your Credit Profile * Excellent Good Fair Poor Annual Income $ What is Your Occupational Status Employed Self Employed Retired Unemployed Monthly Debt Payments $ Select 0-249 250-499 500-749 750-1,000 Over 1,000 Have You Declared Bankruptcy * No Not in the last 7 years 1-2 years 2-5 years Your Contact Information First Name * Last Name * Email * Street Address * City * State * Select One Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Mississippi 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 Zip * Primary Phone * Secondary Phone Best Contact Time * Morning on Primary Morning on Secondary Afternoon on Primary Afternoon on Secondary Evening on Primary Evening on Secondary * REQUIRED FIELDS Service and Data Privacy provided by Secure Rights Note: Secure Rights is responsible for the collection and transfer of information on this page for the purpose of completing your request. By submitting your request you agree to be contacted in accordance with Secure Rights Privacy Policy . View Secure Rights licenses . Paid Advertisement Article Make Dreams a Reality with a Home Mortgage Loan The decision to buy a home is one of the most important commitments you’ll make in your life. If you’re thinking about making the transition from renting to owning, or even buying a new house and selling an old one, many factors come into play. For most Americans looking to buy a house, financial considerations can be daunting. Home mortgage loans are available to most, but deciding which option makes most sense for your personal situation can seem a difficult task, since there are many varieties of home mortgage loans, each with its own advantages and disadvantages, and numerous companies offering advice. Submit the form above to acquire your own home mortgage loan consultant to help you get started with the mortgage process and explain which type of loan is best. Obtaining a Home Mortgage Loan Isn't So Bad When seeking home mortgage loan advice, you should know that there are essentially two types: fixed-rate loans and adjustable-rate loans (ARMs). Fixed-rated loans are very predictable – when the contract is made, the rate of interest to be paid on the loan is calculated and locked in. The interest paid on adjustable-rate loans over the years changes with the interest rate, so when rates are low, you pay less each month, but when rates are high, you will pay more accordingly. Within the two main types, there are variations to suit the specific needs of individuals, which your home mortgage loan company consultant will be happy to discuss with you in greater detail. Your consultant will also explain the fees involved in buying a house, for such necessary tasks as appraisal, closing and settlement. Most home mortgage lenders charge a “loan origination fee,” usually defined as one percent of the amount you’ve borrowed. If you haven’t got the cash to pay these fees up front, they can usually be “rolled” into your loan and paid over time. Buying a house is challenging, but it need not be overwhelming. We’re always on call to help you make the best choices for today, and for the future. Fill out the form on the very top of this page to get the ball rolling. ^ Paid Advertisement Article ^ Ad Information        Forbes.com Wireless        Reprints / Permissions        Subscriber Services        ©2004 Forbes.com™      All Rights Reserved       Privacy Statement        Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.

Las Vegas Real Estate

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