Home Loan How to

Wisconsin Department of Veterans Affairs Primary Mortgage Loan Page | Home | About WDVA | Current Events | Forms & Brochures | News & Publications | Federal Veterans Benefits | State Veterans Benefits | Eligibility | Education Programs | Emergency Grants | Employment Assistance | Help for the Homeless | I Owe You Program | Job Retraining Grants | Loans | Military Funeral Honors | Transportation to VA Medical Appointments | Veterans Cemeteries | Veterans Homes | Veterans Memorials | Veterans Museum | Veterans Service Offices | Women Veterans | Veterans Links | Site Map | Contact WDVA | Wisconsin Department of Veterans Affairs "Making a difference in the lives of Wisconsin Veterans" > Home > State Veterans Benefits > Loans > Primary Mortgage Loan Home Loan How to Apply | Requirements | Eligibility Current Interest Rate 5.99% Don't miss out on the ADVANTAGES of a WDVA Primary Mortgage Loan! Finance up to 95% of the purchase price of an existing home or cost to construct a new home. Refinance the balance due on mortgage loans. 30-year Fixed Rate -Lower monthly principal and interest payments that will never increase. Low down payment (5% down). Low closing costs, no points . No prepayment penalty. WDVA pays the loan origination fees of veterans with 30% or more service conected disabilities. No private mortgage insurance (PMI). Lenders require PMI for loans with less than a 20% down payment. Wisconsin offers a state veterans home loan program, entitled the Primary Mortgage Loan (PML), that is different from the USDVA Home Loan Guaranty Program. The state veterans home loan may be used for: Purchase or purchase and improvement of a single family home or condominium. Construction of a new single family home. Purchase of certain existing 2 to 4-unit owner occupied residence. (Must be occupied as borrower's principal residence.) Refinance of the balance due on existing mortgage loans used for purchase, construction, or improvement of a residence. COMPARE MONTHLY PAYMENTS for a $250,000, 30 year, 5% down Conventional WDVA Savings Rate 5.85% 5.99% P&I $1,475 $1,497 PMI $163 $0 Payment $1,638 $1,497 $141 SAVE $1,692 ANNUALLY Requirements The state veterans home loan is available to: Eligible Wisconsin veterans. Members and former members of the National Guard and Reserve who have completed 6 years of continuous service under honorable conditions. Unremarried spouses and dependent children of eligible deceased veterans. Eligibility Before you can apply for a loan you must establish eligibility for Wisconsin veterans benefits and then obtain a Certificate of Eligibility. Contact your County Veterans Service Office for assistance. If you have had past benefits with WDVA, you can obtain your Certificate of Eligibility on our Web site. How To Apply Bring your WDVA Certificate of Eligibility to a participating lender when you apply for your state veterans home loan. Local banks, savings and loans, credit unions, and mortgage brokers participate in our home loan program. For More Information For loan-specific questions, call 1-800-WIS-VETS (947-8387), or email the Loan Section . For eligibility and application process questions, contact your County Veterans Service Office . The information above regarding WDVA loans is not all-inclusive and may change without notice. WARNING: The WDVA receives a statewide support lien docket listing all individuals who have a delinquent child-support obligation in Wisconsin. According to state law, the WDVA may not approve a Primary Mortgage Loan or a Home Improvement Loan for any applicant on the docket unless the applicant provides one of the following items: Provides a statement signed by the Wisconsin Department of Workforce Development or its designee showing that all delinquent obligations have been paid. A copy of a child-support repayment agreement that has been kept current for the six month period before the date the WDVA receives the application as long as no lien exists. Wisconsin Department of Veterans Affairs 30 W. Mifflin Street • Madison, WI 53703 (608) 266-1311 or toll-free 1-800-WIS-VETS (947-8387) Legal Notices and Disclaimers Email: Webmaster

Rental Property Manager 2.0

Amazon.com: Quicken Rental Property Manager 2.0: Software Your Store Software See All 32 Product Categories   Your Account | Cart | Wish List | Help | browse brands & products | top sellers | new & future releases | children's software | games | electronics | outlet Search Amazon.com Software Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . ITEM INFORMATION Explore this item buying info See more by this manufacturer Intuit Customers also bought these other items... Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item Help us help others submit a manual RATE THIS ITEM I dislike it I love it! 1 2 3 4 5 Edit your ratings Amazon.com Price: $87.99 Availability: Usually ships in 24 hours Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . J&R Music and Computer World Price: $99.99 Availability: Usually ships in 1-2 business days 5 used & new from $83.99 Have one to sell? Quicken Rental Property Manager 2.0 Other products by Intuit List Price: $99.99 Price: $87.99 & this item ships for FREE with Super Saver Shipping . See details . You Save: $12.00 (12%) Availability: Usually ships within 24 hours 5 used & new from $83.99 Platform: Windows Me / 2000 / XP Media: CD-ROM Format: CD-ROM Features: Organize all your information in one place, into simple sheets Track all your income, expenses, and tax information Save time retrieving financial information -- Easily categorize your financial information throughout the year using the income and expense log See how your properties are performing -- get instant answers to your questions about profitability Take every allowable deduction all year, as you record your expenses into a Schedule E category list Manufacturers, merchants, and enthusiasts: Submit a product manual for this item. Amazon.com Sales Rank: Today: #139 in Software Yesterday: #199 in Software Shipping: Currently, item can be shipped only within the U.S. ASIN: B000BC7QG8 Item model number: 283652 Date first available at Amazon: September 20, 2005 Customers who bought this itemalso bought these items: TurboTax Total Tax Solution Premier 2005 with State Win/Mac by Intuit Quicken Premier Home & Business 2006 by Intuit, Inc. Quicken Premier 2006 Personal Finance Software by Intuit QuickBooks Pro 2006 Financial Software for Small Business by Intuit, Inc. Explore Similar Items : 4 in Software Product Description Product Description Quicken Rental Property Manager 2 lets you keep easier records for your rental properties. Have the information you need on-hand for tax-time, and always know just how your properties are performing. No more frantic searching for the right receipts and paid invoices through folders and shoeboxes! Flag deductions you aren't sure about, for later review by an accountant Track vehicle mileage and deduct it for better returns at tax time Be the first person to review this item! So You'd Like To... Calculate Your Taxes and Spend Your Refund :by wheeler_dealer , Software Guy Browse for Software in: Categories > Business & Office > Business & Office Management Software Brands > Intuit > All Intuit Brands > Intuit > Small Business Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . Please mark as many of the following boxes that apply: Product information is missing important details. Product information is incorrect. The page contains typographical errors. The page takes too long to load. The page has a software bug in it. Content violates Amazon.com's policy on offensive language . Product offered violates Amazon.com's policy on items that can be listed for sale. Comments or Examples: Examples: Missing information such as dimensions and model number, typos, inaccuracies, etc. Where's My Stuff? • Track your recent orders . • View or change your orders in Your Account . Shipping & Returns • See our shipping rates & policies . • Return an item (here's our Returns Policy ). Need Help? • Forgot your password? Click here . • Redeem or buy a gift certificate. • Visit our Help department . Search Software Electronics All Products for Turn your past purchases into $$$ Learn more about selling at Amazon.com today! Top of Page Browse Brands & Products | Top Sellers | New & Future Releases | Children's Software | Games | Today's Deals | Outlet Amazon.com Home | Directory of All Stores Our International Sites: Canada | United Kingdom | Germany | Japan | France  | China Help | Shopping Cart | Your Account | Sell Items | 1-Click Settings Investor Relations | Press Releases | Careers Conditions of Use | Privacy Notice © 1995-2005, Amazon.com, Inc. or its affiliates

Real Estate Investing Online.

Pre-foreclosure homes a remarkable Investment opportunity in real estate. SW018 Get Your 7 Day free Trial Here Access bank pre-foreclosures Free for 7 days for Florida and N.Y. counties! Access bank foreclosures and government foreclosed properties. Outside of Florida and New York. Free for 7 days!” Info About Our Online Tax Lien & Deed Course Seminar Info Our clients/users have instantaneous access to information regarding pre-foreclosure properties. They receive information on pre-foreclosed properties (Lis Pendens) that can make them a lot of money in a very short period of time. They capitalize on property that someone else is losing while helping them save their credit rating. They receive information on pre-foreclosure properties before they are sold at an auction to the highest bidder for Cash. They have access to pre-foreclosure property information such as Plaintiff, Defendant, Complaint, Amount financed, and much more . Anyone can capitalize on one of the best investment opportunities in the market, and in the world, Real Estate . Get Your 7 Day free Trial Here What is REIO? Hello, welcome to Real Estate Investing Online. "REIO" is an Internet based service that provides information regarding pre-foreclosure properties. Are you looking for the information to capitalize upon a premium investment opportunity in foreclosure homes? Are you looking to buy a new home, has commission, closing cost, and down payment changed that consideration ? If so, "REIO" can help! 1st Stage Of Foreclosures: we provide lis pendens for Florida and New York. You can contact the the property owners and buy or reinstate the mortgage. 2nd Stage in Foreclosure Sheriff Sales: We provide a sheriff sales list for Florida and New York. The Property owners are more motivated to sell three weeks prior to auction. 3rd Stage in Foreclosure Bank Reo’s or Foreclosed properties: Owned by the banks. The banks usually list the properties with a Realtor. Example of foreclosed properties are HUD homes, which are government owned homes. Pre-foreclosure homes : a remarkable Investment opportunity To illustrate the benefits of using this service, consider the story of that fictitious man named John Doe. John, like many others, had the misfortune of losing his job and having been late on his mortgage. Fortunately, you can benefit from John's misfortune while helping him at the same time. For instance, suppose Mr. Doe owes $50,000 on his mortgage and his home is currently appraised at $100,000. You could buy the home from Mr. Doe for $75,000 , have him pay for some of the down payment and closing costs, and sell the home for $100,000 without having to pay capital gains tax (considering you buy a house for equal or greater value within 2 years) . Another way that the both of you can benefit is by Quit Claiming the property into your name and taking over the payments of the current debt. Clearly you and Mr. Doe are in a better position as a result of this transaction. Mr. Doe is not only relieved of his debt, he is also financially better off. You are not only financially better off: you also help another person like Mr. Doe. Although this transaction has great benefits it also has some costs. Arranging this transaction can take much time and effort. This is where REIO can help you. We provide our members with all the information necessary to put together a transaction like the one illustrated above. If you are someone who is frustrated with their current job or are looking for the opportunity of a lifetime we can also help. all you need to do is contact us at Support@foreclosure-homes.com Therefore, start using REIO and let us help you start investing toward a better future. Home Evaluation Request Mortgage Calulator New Ocean View Pre-Forclosure Available Now! Get Your Free Insurance Quote From Get Your 7 Day free Trial Here click here for database help Become A User!

Real Estate Agent Listings

USA REAL ESTATE DIRECTORY - INDEXED BY STATE Real Estate Services Indexed by State FIND NEW HOMES | FIND RENTAL APARTMENTS | REAL ESTATE FORECLOSURES Valuecom Real Estate GOLD providesa nationwide forum of Real Estate Agent Listings indexed by state. If you are looking for a real estate agent in your state or one in a state you wish to inquire about propertiesplease select a state below to browse the listing. If you are an agent and would like to sponsor a particular state please contact us by clicking here . Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming ADD LISTING | | SPONSOR A STATE FIND APARTMENTS IN MAJOR US CITIES This service provided by Valuecom © 1995 - 2005 Roger Bredow Find Moving Companies Atlanta Piano Tuning Search for Alabama Real Estate, home rentals, Real Estate , Alabama homes for rent, houses for rent, rental homes, and apartments in Alabama. Search for apartment rentals in AL, Alabama townhomes, or Real Estate in AL. Alabama Real Estate areas include Birmingham, Tuscaloosa, Mobile, Montgomery, Huntsville, Dothan, Albertville, Anniston, Auburn, Gulf Shores, Alexander City, Decatur, Enterprise, Florence, Fort Payne, Gadsden, Scottsboro, Selma, Troy, Tuskegee, in or about Alabama. Search for Alaska Real Estate, home rentals, Real Estate , Alaska homes for rent, houses for rent, rental homes, and apartments in Alaska. Search for apartment rentals in AK, Alaska townhomes, or Real Estate in AK. Alaska Real Estate areas include Fairbanks, Anchorage, Juneau, Ketchikan, Kodiak, in or about Alaska. Search for Arizona Real Estate, home rentals, Real Estate , Arizona homes for rent, houses for rent, rental homes, and apartments in Arizona. Search for apartment rentals in AZ, Arizona townhomes, or Real Estate in AZ. Arizona Real Estate areas include Tucson, Phoenix, Flagstaff, Yuma, Sierra Vista, Prescott, Payson, Lake Havasu City-Kingman, Show Low, in or about Arizona. Search for Arkansas Real Estate, home rentals, Real Estate , Arkansas homes for rent, houses for rent, rental homes, and apartments in Arkansas. Search for apartment rentals in AR, Arkansas townhomes, or Real Estate in AR. Arkansas Real Estate areas include Little Rock, Jonesboro, Hot Springs, Fort Smith, Fayetteville, Batesville, Blytheville, Mountain Home, Pine Bluff, Russellville, Searcy, in or about Arkansas. Search for California Real Estate, home rentals, Real Estate , California homes for rent, houses for rent, rental homes, and apartments in California. Search for apartment rentals in CA, California townhomes, or Real Estate in CA. California Real Estate areas include Los Angeles, San Diego, San Jose, San Francisco, Sacramento, Fresno, Riverside, Bakersfield, Stockton, Eureka, Modesto, Salinas, Santa Rosa, Temecula-Murrieta, East Bay, Ventura, Orange County, San Rafael, Santa Cruz, Hanford, Chico, Monterey, Vallejo-Fairfield, Napa, Redding, Visalia, Santa Barbara, Merced, Lake Tahoe, San Luis Obispo, Yuba City, Palm Springs, San Mateo, Clearlake, Ukiah, Grass Valley-Truckee, Crescent City, in or about California. Search for Colorado Real Estate, home rentals, Real Estate , Colorado homes for rent, houses for rent, rental homes, and apartments in Colorado. Search for apartment rentals in CO, Colorado townhomes, or Real Estate in CO. Colorado Real Estate areas include Denver, Colorado Springs, Pueblo, Boulder, Fort Collins-Loveland, Aspen, Steamboat Springs, Durango, Grand Junction, Canon City, Greeley, Montrose, Silverthorne, Sterling, Vail, in or about Colorado. Search for Connecticut Real Estate, home rentals, Real Estate , Connecticut homes for rent, houses for rent, rental homes, and apartments in Connecticut. Search for apartment rentals in CT, Connecticut townhomes, or Real Estate in CT. Connecticut Real Estate areas include Bridgeport, New Haven, Hartford, Stamford, Waterbury, Storrs, Norwich-New London, Willimantic, Torrington, Danbury, in or about Connecticut. Search for Delaware Real Estate, home rentals, Real Estate , Delaware homes for rent, houses for rent, rental homes, and apartments in Delaware. Search for apartment rentals in DE, Delaware townhomes, or Real Estate in DE. Delaware Real Estate areas include Sussex County, Wilmington, Dover, in or about Delaware. Search for Florida Real Estate, home rentals, Real Estate , Florida homes for rent, houses for rent, rental homes, and apartments in Florida. Search for apartment rentals in FL, Florida townhomes, or Real Estate in FL. Florida Real Estate areas include Orlando, Miami, Gainesville, Ponte Vedra, St. Augustine, Florida Keys, Pensacola, Melbourne, West Palm Beach, Panama City, Destin, Tampa, Daytona Beach, Fort Lauderdale, Tallahassee, Sarasota, Fort Myers, Jacksonville, Punta Gorda, Port St. Lucie, Naples, Ocala, Lake City, Palm Coast, Vero Beach, Lakeland, Homosassa, in or about Florida. Search for Georgia Real Estate, home rentals, Real Estate , Georgia homes for rent, houses for rent, rental homes, and apartments in Georgia. Search for apartment rentals in GA, Georgia townhomes, or Real Estate in GA. Georgia Real Estate areas include Columbus, Savannah, Valdosta, Macon, Augusta, Athens, Albany, Atlanta, Brunswick, Dalton, Bainbridge, Waycross, Warner Robins, Thomasville, St. Marys, LaGrange, Statesboro, Hinesville-Fort Stewart, Rome, Americus, Toccoa, Cornelia, Gainesville, Commerce, Lake Oconee, Milledgeville, in or about Georgia. Search for Hawaii Real Estate, home rentals, Real Estate , Hawaii homes for rent, houses for rent, rental homes, and apartments in Hawaii. Search for apartment rentals in HI, Hawaii townhomes, or Real Estate in HI. Hawaii Real Estate areas include Honolulu-Oahu, Kauai, Maui, Hawaii, in or about Hawaii. Search for Idaho Real Estate, home rentals, Real Estate , Idaho homes for rent, houses for rent, rental homes, and apartments in Idaho. Search for apartment rentals in ID, Idaho townhomes, or Real Estate in ID. Idaho Real Estate areas include Boise, Idaho Falls, Pocatello, Blackfoot, Rexburg, Twin Falls, Coeur d'Alene, Lewiston, Moscow, in or about Idaho. Search for Illinois Real Estate, home rentals, Real Estate , Illinois homes for rent, houses for rent, rental homes, and apartments in Illinois. Search for apartment rentals in IL, Illinois townhomes, or Real Estate in IL. Illinois Real Estate areas include Chicago, Rockford, Peoria, Springfield, Kankakee, Carbondale, Bloomington, Champaign-Urbana, Decatur, Charleston-Mattoon, Danville, Effingham, Macomb, Ottawa-Streator, Quincy, in or about Illinois. Search for Indiana Real Estate, home rentals, Real Estate , in or about diana homes for rent, houses for rent, rental homes, and apartments in Indiana. Search for apartment rentals in IN, in or about Indiana townhomes, or Real Estate in IN. Indiana Real Estate areas include Indianapolis, Fort Wayne, Evansville, South Bend, Northwest Indiana, Elkhart-Goshen, Lafayette, Terre Haute, Anderson, Muncie, Bloomington, New Castle, Michigan City, Rensselaer, Vincennes, Columbus, Crawfordsville, Kokomo, Wabash, Madison, Marion, Richmond, in or about Indiana. Search for Iowa Real Estate, home rentals, Real Estate , Iowa homes for rent, houses for rent, rental homes, and apartments in Iowa. Search for apartment rentals in IA, Iowa townhomes, or Real Estate in IA. Iowa Real Estate areas include Des Moines, Cedar Rapids, Ames, Dubuque, Iowa City, Waterloo, Sioux City, Davenport, Burlington, Clinton, Mason City, Muscatine, Grinnell, Fort Dodge, Marshalltown, in or about Iowa. Search for Kansas Real Estate, home rentals, Real Estate , Kansas homes for rent, houses for rent, rental homes, and apartments in Kansas. Search for apartment rentals in KS, Kansas townhomes, or Real Estate in KS. Kansas Real Estate areas include Kansas City, Wichita, Topeka, Lawrence, Manhattan, Atchison, Dodge City, Emporia, Hays, Hutchinson, Pittsburg, Salina, in or about Kansas. Search for Kentucky Real Estate, home rentals, Real Estate , Kentucky homes for rent, houses for rent, rental homes, and apartments in Kentucky. Search for apartment rentals in KY, Kentucky townhomes, or Real Estate in KY. Kentucky Real Estate areas include Lexington, Louisville, Owensboro, Frankfort, Bowling Green, Elizabethtown, Danville, London, Madisonville, Murray, Paducah, Richmond-Berea, in or about Kentucky. Search for Louisiana Real Estate, home rentals, Real Estate , Louisiana homes for rent, houses for rent, rental homes, and apartments in Louisiana. Search for apartment rentals in LA, Louisiana townhomes, or Real Estate in LA. Louisiana Real Estate areas include New Orleans, Baton Rouge, Shreveport, Lafayette, Monroe, Natchitoches, Houma, Lake Charles, Alexandria, Leesville, Hammond, New Iberia, Ruston, in or about Louisiana. Search for Maine Real Estate, home rentals, Real Estate , Maine homes for rent, houses for rent, rental homes, and apartments in Maine. Search for apartment rentals in ME, Maine townhomes, or Real Estate in ME. Maine Real Estate areas include Portland, Augusta, Bangor, Farmington, Brunswick, Lewiston-Auburn, Rockland, Waterville, Bar Harbor, Presque Isle, in or about Maine. Search for Maryland Real Estate, home rentals, Real Estate , Maryland homes for rent, houses for rent, rental homes, and apartments in Maryland. Search for apartment rentals in MD, Maryland townhomes, or Real Estate in MD. Maryland Real Estate areas include Baltimore, Annapolis, Gaithersburg, Frederick, Cambridge, Cumberland, Hagerstown-Martinsburg, Lexington Park, Ocean Pines, Salisbury, in or about Maryland. Search for Massachusetts Real Estate, home rentals, Real Estate , Massachusetts homes for rent, houses for rent, rental homes, and apartments in Massachusetts. Search for apartment rentals in MA, Massachusetts townhomes, or Real Estate in MA. Massachusetts Real Estate areas include Boston, Worcester, Springfield, Lowell, Framingham, Pittsfield, Taunton, Leominster-Fitchburg, Haverhill, Nantucket, Lawrence, Martha's Vineyard, Amherst, North Shore, Salem, Cape Cod, New Bedford, Brockton, in or about Massachusetts. Search for Michigan Real Estate, home rentals, Real Estate , Michigan homes for rent, houses for rent, rental homes, and apartments in Michigan. Search for apartment rentals in MI, Michigan townhomes, or Real Estate in MI. Michigan Real Estate areas include Detroit, Grand Rapids, Flint, Lansing, Ann Arbor, Battle Creek, Midland, Royal Oak, Saginaw, Benton Harbor, Jackson, Cadillac, Bay City, Muskegon, Kalamazoo, Traverse City, Monroe, Big Rapids, Houghton, Holland, Mount Pleasant, Marquette, Sault Ste. Marie, Gaylord, in or about Michigan. Search for Minnesota Real Estate, home rentals, Real Estate , Minnesota homes for rent, houses for rent, rental homes, and apartments in Minnesota. Search for apartment rentals in MN, Minnesota townhomes, or Real Estate in MN. Minnesota Real Estate areas include Minneapolis-St. Paul, New Ulm, Worthington, Winona, St. Cloud, Northfield-Faribault, Mankato, Marshall, Red Wing, Bemidji, Brainerd, Rochester, Duluth, Lake of the Woods, Detroit Lakes, Thief River Falls, in or about Minnesota. Search for Mississippi Real Estate, home rentals, Real Estate , Mississippi homes for rent, houses for rent, rental homes, and apartments in Mississippi. Search for apartment rentals in MS, Mississippi townhomes, or Real Estate in MS. Mississippi Real Estate areas include Jackson, Corinth, Gulfport-Biloxi, Columbus, Greenville, Greenwood, Grenada, Hattiesburg, Laurel, Meridian, Oxford, Pascagoula, Starkville, Tupelo, Vicksburg, in or about Mississippi. Search for Missouri Real Estate, home rentals, Real Estate , Missouri homes for rent, houses for rent, rental homes, and apartments in Missouri. Search for apartment rentals in MO, Missouri townhomes, or Real Estate in MO. Missouri Real Estate areas include St. Louis, Springfield, Jefferson City, Cape Girardeau, Branson, Joplin, St. Joseph, Columbia, Fort Leonard Wood, Hannibal, Kirksville, Lebanon, Maryville, Poplar Bluff, Rolla, Sedalia, Sikeston, Warrensburg, West Plains, in or about Missouri. Search for Montana Real Estate, home rentals, Real Estate , Montana homes for rent, houses for rent, rental homes, and apartments in Montana. Search for apartment rentals in MT, Montana townhomes, or Real Estate in MT. Montana Real Estate areas include Helena, Butte, Great Falls, Missoula, Billings, Bozeman, Kalispell, Bitterroot Valley, in or about Montana. Search for Nebraska Real Estate, home rentals, Real Estate , Nebraska homes for rent, houses for rent, rental homes, and apartments in Nebraska. Search for apartment rentals in NE, Nebraska townhomes, or Real Estate in NE. Nebraska Real Estate areas include Omaha, Lincoln, Fremont, Grand Island, Hastings, Kearney, North Platte, Scottsbluff, Norfolk, Columbus, in or about Nebraska. Search for Nevada Real Estate, home rentals, Real Estate , Nevada homes for rent, houses for rent, rental homes, and apartments in Nevada. Search for apartment rentals in NV, Nevada townhomes, or Real Estate in NV. Nevada Real Estate areas include Las Vegas, Reno, Carson City, Elko, Fallon, in or about Nevada. Search for New Hampshire Real Estate, home rentals, Real Estate , New Hampshire homes for rent, houses for rent, rental homes, and apartments in New Hampshire. Search for apartment rentals in NH, New Hampshire townhomes, or Real Estate in NH. New Hampshire Real Estate areas include Manchester, Concord, Nashua, Rochester-Dover, Portsmouth, Berlin, Keene, Lebanon, Lake Winnipesaukee, in or about New Hampshire. Search for New Jersey Real Estate, home rentals, Real Estate , New Jersey homes for rent, houses for rent, rental homes, and apartments in New Jersey. Search for apartment rentals in NJ, New Jersey townhomes, or Real Estate in NJ. New Jersey Real Estate areas include Atlantic City, Newark, Jersey City, Paterson, New Brunswick, Vineland, Monmouth County, Ocean County, Camden, Trenton, Cape May, in or about New Jersey. Search for New Mexico Real Estate, home rentals, Real Estate , New Mexico homes for rent, houses for rent, rental homes, and apartments in New Mexico. Search for apartment rentals in NM, New Mexico townhomes, or Real Estate in NM. New Mexico Real Estate areas include Albuquerque, Los Alamos, Santa Fe, Las Cruces, Alamogordo, Carlsbad-Artesia, Clovis, Deming, Espanola, Farmington, Gallup, Las Vegas, Portales, Roswell, Silver City, Taos, in or about New Mexico. Search for New York Real Estate, home rentals, Real Estate , New York homes for rent, houses for rent, rental homes, and apartments in New York. Search for apartment rentals in NY, New York townhomes, or Real Estate in NY. New York Real Estate areas include New York City, Long Island, Buffalo, Rochester, Hudson, Syracuse, Watertown, Poughkeepsie, Binghamton, Utica, Newburgh, Rockland County, Putnam County, Albany, Westchester, Elmira, Kingston, Batavia, Glens Falls, Ithaca, Jamestown-Dunkirk, Olean, Oneonta, Plattsburgh, in or about New York. Search for North Carolina Real Estate, home rentals, Real Estate , North Carolina homes for rent, houses for rent, rental homes, and apartments in North Carolina. Search for apartment rentals in NC, North Carolina townhomes, or Real Estate in NC. North Carolina Real Estate areas include Charlotte, Greensboro, Raleigh-Durham, Wilmington, Winston-Salem, Fayetteville, Rocky Mount, Jacksonville, Asheville, Goldsboro, Boone, Outer Banks, Greenville, Hickory, Ashe County, Forest City, Elizabeth City, in or about North Carolina. Search for North Dakota Real Estate, home rentals, Real Estate , North Dakota homes for rent, houses for rent, rental homes, and apartments in North Dakota. Search for apartment rentals in ND, North Dakota townhomes, or Real Estate in ND. North Dakota Real Estate areas include Bismarck, Fargo, Grand Forks, Jamestown, Minot, Wahpeton, in or about North Dakota. Search for Ohio Real Estate, home rentals, Real Estate , Ohio homes for rent, houses for rent, rental homes, and apartments in Ohio. Search for apartment rentals in OH, Ohio townhomes, or Real Estate in OH. Ohio Real Estate areas include Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Ashland, Ashtabula, Mansfield, Lima, Springfield, Canton, Youngstown, Athens, Chillicothe, Findlay, Portsmouth, Sandusky, in or about Ohio. Search for Oklahoma Real Estate, home rentals, Real Estate , Oklahoma homes for rent, houses for rent, rental homes, and apartments in Oklahoma. Search for apartment rentals in OK, Oklahoma townhomes, or Real Estate in OK. Oklahoma Real Estate areas include Oklahoma City, Tulsa, Ada, Lawton, Altus, Ardmore, Bartlesville, Duncan, Durant, Enid, McAlester, Muskogee, Shawnee, Stillwater, Tahlequah, Guymon, in or about Oklahoma. Search for Oregon Real Estate, home rentals, Real Estate , Oregon homes for rent, houses for rent, rental homes, and apartments in Oregon. Search for apartment rentals in OR, Oregon townhomes, or Real Estate in OR. Oregon Real Estate areas include Portland, Eugene, Salem, Bend, Brookings, Medford, Astoria, Corvallis, Albany, The Dalles, Coos Bay, Grants Pass, Klamath Falls, La Grande, Roseburg, Pendleton, in or about Oregon. Search for Pennsylvania Real Estate, home rentals, Real Estate , Pennsylvania homes for rent, houses for rent, rental homes, and apartments in Pennsylvania. Search for apartment rentals in PA, Pennsylvania townhomes, or Real Estate in PA. Pennsylvania Real Estate areas include Philadelphia, Pittsburgh, Allentown, Erie, Lancaster, Altoona, Scranton--Wilkes-Barre, Reading, Lewisburg, Harrisburg, Johnstown, Chambersburg, Lebanon, State College, Williamsport, York, Bloomsburg, East Stroudsburg, Gettysburg, Huntingdon, in or about diana, Meadville, New Castle, Warren, in or about Pennsylvania. Search for Rhode Island Real Estate, home rentals, Real Estate , Rhode Island homes for rent, houses for rent, rental homes, and apartments in Rhode Island. Search for apartment rentals in RI, Rhode Island townhomes, or Real Estate in RI. Rhode Island Real Estate areas include Providence, in or about Rhode Island. Search for South Carolina Real Estate, home rentals, Real Estate , South Carolina homes for rent, houses for rent, rental homes, and apartments in South Carolina. Search for apartment rentals in SC, South Carolina townhomes, or Real Estate in SC. South Carolina Real Estate areas include Charleston, Columbia, Greenville, Myrtle Beach, Lancaster, Greenwood, Hilton Head Island, Georgetown, Florence, Sumter, Newberry, Orangeburg, Chester, Seneca, Spartanburg, Union, Anderson, Gaffney, Walterboro, in or about South Carolina. Search for South Dakota Real Estate, home rentals, Real Estate , South Dakota homes for rent, houses for rent, rental homes, and apartments in South Dakota. Search for apartment rentals in SD, South Dakota townhomes, or Real Estate in SD. South Dakota Real Estate areas include Sioux Falls, Rapid City, Aberdeen, Brookings, Huron, Mitchell, Pierre, Spearfish, Watertown, Vermillion-Yankton, in or about South Dakota. Search for Tennessee Real Estate, home rentals, Real Estate , Tennessee homes for rent, houses for rent, rental homes, and apartments in Tennessee. Search for apartment rentals in TN, Tennessee townhomes, or Real Estate in TN. Tennessee Real Estate areas include Nashville, Memphis, Knoxville, Chattanooga, Sevierville, Cookeville-Crossville, Athens, Clarksville, Cleveland, Columbia, Harriman, Jackson, Johnson City, Kingsport, Martin, Morristown, Paris, Tullahoma, in or about Tennessee. Search for Texas Real Estate, home rentals, Real Estate , Texas homes for rent, houses for rent, rental homes, and apartments in Texas. Search for apartment rentals in TX, Texas townhomes, or Real Estate in TX. Texas Real Estate areas include Dallas, Fort Worth, El Paso, San Antonio, Amarillo, Austin, Waco, Lubbock, Midland-Odessa, Corpus Christi, Laredo, Brownsville, Abilene, Beaumont, Wichita Falls, Houston, Killeen, College Station, Texarkana, Brownwood, Del Rio, Huntsville, Kingsville, Longview, Lufkin, Marshall, McAllen-Edinburg, Nacogdoches, Plainview, San Angelo, Sherman, Stephenville, Tyler, Victoria, in or about Texas. Search for Utah Real Estate, home rentals, Real Estate , Utah homes for rent, houses for rent, rental homes, and apartments in Utah. Search for apartment rentals in UT, Utah townhomes, or Real Estate in UT. Utah Real Estate areas include Salt Lake City, St. George, Provo, Logan, Ogden, in or about Utah. Search for Vermont Real Estate, home rentals, Real Estate , Vermont homes for rent, houses for rent, rental homes, and apartments in Vermont. Search for apartment rentals in VT, Vermont townhomes, or Real Estate in VT. Vermont Real Estate areas include Burlington, Montpelier, Rutland, St. Johnsbury-Newport, Brattleboro, Bennington, in or about Vermont. Search for Virginia Real Estate, home rentals, Real Estate , Virginia homes for rent, houses for rent, rental homes, and apartments in Virginia. Search for apartment rentals in VA, Virginia townhomes, or Real Estate in VA. Virginia Real Estate areas include Virginia Beach, Norfolk, Richmond, Newport News, Fredericksburg, Roanoke, Lynchburg, Charlottesville, Williamsburg, Blacksburg, Danville, Harrisonburg, Martinsville, Lexington, Staunton-Waynesboro, Winchester, in or about Virginia. Search for Washington Real Estate, home rentals, Real Estate , Washington homes for rent, houses for rent, rental homes, and apartments in Washington. Search for apartment rentals in WA, Washington townhomes, or Real Estate in WA. Washington Real Estate areas include Seattle, Spokane, Tacoma, Vancouver, Olympia, Yakima, Bellingham, Kennewick-Richland, Longview, Wenatchee, Bremerton-Silverdale, Walla Walla, Ellensburg, Moses Lake, Port Angeles, Pullman, Mount Vernon, Oak Harbor, Centralia, Aberdeen, Shelton, in or about Washington. Search for Washington DC Real Estate, home rentals, Real Estate , Washington DC homes for rent, houses for rent, rental homes, and apartments in Washington DC. Search for apartment rentals in DC, Washington DC townhomes, or Real Estate in DC. Washington DC Real Estate areas include in Washington DC. Search for West Virginia Real Estate, home rentals, Real Estate , West Virginia homes for rent, houses for rent, rental homes, and apartments in West Virginia. Search for apartment rentals in WV, West Virginia townhomes, or Real Estate in WV. West Virginia Real Estate areas include Huntington, Charleston, Morgantown, Parkersburg-Marietta, Weirton-Steubenville, Wheeling, Beckley, Bluefield, Clarksburg, Fairmont, Point Pleasant, in or about West Virginia. Search for Wisconsin Real Estate, home rentals, Real Estate , Wisconsin homes for rent, houses for rent, rental homes, and apartments in Wisconsin. Search for apartment rentals in WI, Wisconsin townhomes, or Real Estate in WI. Wisconsin Real Estate areas include Madison, Green Bay, Milwaukee, La Crosse, Appleton, Eau Claire, Janesville, Oshkosh-Neenah, Racine, Sheboygan, Wausau, Baraboo, Beaver Dam, Fond du Lac, Manitowoc, Marinette, Menomonie, Platteville, Stevens Point, Watertown-Fort Atkinson, Whitewater, Wisconsin Rapids-Marshfield, in or about Wisconsin. Search for Wyoming Real Estate, home rentals, Real Estate , Wyoming homes for rent, houses for rent, rental homes, and apartments in Wyoming. Search for apartment rentals in WY, Wyoming townhomes, or Real Estate in WY. Wyoming Real Estate areas include Cheyenne, Casper, Evanston, Gillette, Jackson, Laramie, Riverton, Rock Springs, Sheridan, in or about Wyoming.

Real Estate Broker and

NYS DOS, Real Estate Professional Page NYS Department of State Division of Licensing Services F requently A sked Q uestions Applicants for Real Estate Broker and Salesperson Licensure Do I need to be licensed? Generally, Article 12-A of the Real Property Law provides that anyone who, on behalf of another and for a fee, 1) negotiates a sale, exchange or rental of real property, 2) collects rent, or 3) negotiates a commercial loan secured by a mortgage must be licensed as a real estate broker. What is the difference between a real estate broker and a real estate salesperson? A real estate broker is responsible for the supervision and conduct of the real estate brokerage business. He or she applies for and holds the license on behalf of the brokerage. This person is known as the "representative broker." A real estate salesperson works for and is supervised by the representative broker. The salesperson acts as the representative broker's agent. All listings, although perhaps negotiated by a salesperson, are accepted by the representative broker. How do I become a real estate salesperson or broker? In order to qualify for licensure as a real estate salesperson, an applicant must have satisfactorily completed a 45 hour salesperson qualifying education course in real estate approved by the Secretary of State, and have passed a qualifying examination administered by the Department. In order to qualify for licensure as a real estate broker, an applicant must have at least one year of experience as a licensed real estate salesperson or at least two years of experience in the general real estate field (e.g., buying and selling your own property, managing property owned by your employer), have satisfactorily completed both the qualifying salesperson course of 45 hours and an additional 45 hour real estate broker course as approved by the Secretary of State, and have passed a qualifying examination administered by the Department. Who licenses mortgage brokers? Anyone who negotiates or attempts to negotiate any mortgage loan other than a mortgage loan on residential property, in the state of New York, is required to be licensed as real estate broker, or as a salesperson associated with a real estate broker. This license is issued by the NYS Department of State. To negotiate a mortgage loan on residential property (one to four family building) registration with the New York State Banking Department is required. If I am a real estate management company, do I need a real estate broker's license? That depends on what services you provide. If you collect rent or place tenants in vacant spaces on behalf of your landlord client, the answer is yes. If, on the other hand, your services are strictly maintenance, the answer is no. you are not acting as a fiduciary (not handling another person's money). Whom do I call if I am not sure whether I completed my 22.5 hours of continuing education during my license term? Contact the school(s) you attended. Schools are required by law to maintain course completion records for three years. You may request duplicate certificates from the school(s) in the event you are audited. In order to renew my salesperson license, I completed the 45-hour broker qualifying course. Can I apply the extra 22.5 hours to my next license term? No. The law clearly states that continuing education must be completed within each license term. I could not complete the continuing education, but I wish to renew my license anyway. Can I apply for an extension? Please refer to §177.6 in the real estate law booklet. Extensions will only be granted in bona fide hardship cases. You must submit the following, preferably prior to your license expiration: a written request for the extension, completed renewal form, fee, and original documentation demonstrating your hardship; i.e. , medical documentation. I think I might be exempt, but I am not sure when I originally became licensed. Can you tell me when I was first licensed? No. The Department of State only maintains seven years of real estate records. You may possibly determine your original date of licensure if you know when you completed the salesperson course and how long it took you after completing the course to apply for your license. What happens if I do not complete my continuing education and don't renew my license? If you do not renew your license, you cannot conduct any real estate activities that require a New York State real estate license in accordance with Article 12-A of the Real Property Law. There are no grace periods that allow you to continue working while not licensed. You have two years from the date your license expires to renew your license. If you fail to renew within that period, you will be required to pass the state written examination. No continuing education will be required to repeat the licensing process again. When you submit your new salesperson application, you must include the following: your new examination results, application fee, and a copy of your expired license/pocket card or ORIGINAL proof of completing the salesperson course. If possible, it is better to submit original proof of your salesperson course. If you do not have an original certificate, then call the school where you took the course to request another certificate. If you are applying for your broker's license, you must submit ORIGINAL proof of your 45-hour salesperson course and 45-hour broker course, or a copy of your expired broker's license. How do I obtain a waiver from the 45-hour salesperson or 90-hour broker course requirement? You must submit a written request stating the waiver you are applying for along with ORIGINAL proof of course completion, a detailed outline listing topics and hours, and a course description. We only review prelicensing courses from other states that were completed in a classroom setting. (No home-study/correspondence courses.) The prelicensing salesperson's course must be at least 45 hours of classroom instruction and the broker's course, 90 hours. In addition, if you have graduated with a Master's Degree with a concentration in real estate, you may qualify for a 90-hour waiver of the qualifying courses. Please submit an official transcript with your waiver request. If you are granted a waiver, you will receive the waiver letter, the license application, real estate law booklet, and examination schedules. When you are ready to apply for your license, please submit the ORIGINAL waiver letter with your application, fee, passed examination results, and any other required documents. I have been a real estate licensee for many years. Am I exempt from the continuing education requirements? Article 12A statutorily requires all real estate brokers and salespeople to complete 22½ hours of Department of State approved education within their two-year license period prior to the date of expiration. The law does provide for an exemption from this requirement for a real estate broker who has 15 consecutive years of combined licensure as a salesperson and a broker and who is actively engaged in the real estate business as a real estate broker at the time of renewal, or an admitted NYS attorney. Where do I get more detailed information? You may access pertinent law and regulations, applications and exam schedules from this website. You may also request this or other information by calling a Division of Licensing Services customer service representative at (518) 474-4429 or by writing to: New York State Department of State Division of Licensing Services 84 Holland Avenue Albany, New York 12208-3490 [ NYS Department of State Home Page ] [ Licensing Services Menu ] [ Real Estate Professionals Page ]