Selling Home

Real Estate Link Exchange Discussion | Banner Network | Classifieds | Traffic Packages | Create Your Own Top Sites Get listed on the most popular real estate directories. Save up to 80% REALS.com RealEstate4.com LinkRE.com Search4agent.com NetSavvyAgent.com Real Estateim.com InterviewAgent.com DirectoryRealEstate RealEstateYellow IRealEstateDirectory HouseBuySell.com RealEstateBig.com RealEstateAward.com RealEstateBest.com ListingPage.com Search4Agent.com Search4Mortgage.com Search4Listing.com Search4Rental.com Search4byOwner.com Search4Foreclosure.com Search4Builder.com Search4Contractor.com Does your web site trade reciprocal links, or would you like to find other websites interested in trading reciprocal links? Visit our directory of Real Estate Link Exchange. As you know, exchanging links helps both sides in improving the traffic (by increased visibility, and by extra scoring in major search engines counting number of links as an important scoring factor). " Driving People to Your Site: Banners and Links Pay Off " - Bill Koelzer, "The Web Marketer". Browse for Link Partners Sites in database: · Agents & Brokers · Apartment & Rental · Appraisal · Commercial Real Estate · Construction and Builders · Consultant · Finance & Mortgage · For Sale By Owner · Foreclosure Real Estate · General Real Estate Directories · Golf Property · Home & Garden · Home Decoration · Home Warranty Real Estate · Inspection Service · Insurance · International Real Estate · Land & Rural · Luxury Home Real Estate · Mover & Relocation · New Home Real Estate · Pest Control · Property Listing · Property Management · Real Estate Legal · Real Estate Office Space · Real Estate Resort · Real Estate Support SHOP ONLINE 1,000 Real Estate Marketing Tools and Supplies. Click Here to View More About Us - Submit Site - Link to Us - Contacts Information contained herein is deemed accurate and correct, but no warranty is implied or given. ?2003 RealEstateLinkExchange, Inc. All Rights Reserved.

Real Estate Prices

CNN/Money: The hottest zip codes Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places This year's hottest zip codes By Sarah Max, CNN/Money senior staff writer PLUS: • What makes a zip code HOT? • Homes in hot zip codes • Ultimate home guide 2005 SALEM, Ore. (CNN/Money) - Whether home prices will rise or fall in the coming year is anyone's guess. The housing market continues to stump experts on both sides of the bubble debate. Even so, economists at Fiserv Case Shiller Weiss think they have a pretty good idea what's in the cards for most metros in 2005. Their prediction: Los Angeles will fizzle. Miami will sizzle. There's some reason to believe them. Fiserv CSW has been forecasting annual home-price growth at the metro level for more than a decade, with a not-too-shabby record: the group's median forecast error is less than 2 percent. To track housing performance, the researchers look at repeat sales data for a sample of houses in each zip code, a method they consider more accurate than simply looking at changes in an area's median home price. They also consider past price changes, employment trends and interest-rate trends to devise a forecast for the coming year. Finally, they make adjustments to individual areas to account for other factors that could influence an area's housing market. What's up in L.A.? Over the past five years home prices in the Los Angeles area appreciated 125 percent, with prices in a handful of zip codes up nearly 200 percent. But Fiserv CSW is predicting that prices in the greater Los Angeles area will increase by only 5.8 percent in 2005, with slightly better appreciation in some L.A. markets and price declines in others. "There is anecdotal evidence that the market there is weakening," said David Stiff, a senior economist with Case Shiller Weiss. "It hasn't worked its way into our model yet." For that reason, the firm declined to give a forecast for individual zip codes in Los Angeles. "We are very uncertain about what will happen to home prices in Los Angeles this year," Stiff added. Miami's market, however, may still have room to grow. Home prices in the Miami-Fort Lauderdale metro have doubled over the last five years, and Fiserv CSW is forecasting that they will appreciate another 16.4 percent this year. "Unlike L.A., Miami has a higher ceiling [for price appreciation] because affordability is less of an issue," said Stiff. What's the forecast for your hood? For each of the 10 largest metro regions tracked by Fiserv Case Shiller Weiss, here are the 10 zip codes with the largest median five-year price increases -- and their prospects for the coming year. Data on five-year price change are through the fourth quarter of 2004, while the forecasted change is for the first quarter of 2005 through the first quarter of 2006. Click on column headings to re-sort » Metro Area Median price 5-Yr Price Change 1 Forecasted change 2 Boston 338,000 73.60% 8.00% Lawrence MA 01841 226,000 121.10% 9.90% New Bedford MA 02744 207,000 120.50% 9.60% New Bedford MA 02740 225,000 118.10% 9.80% Worcester MA 01610 193,000 116.30% 16.20% Fairhaven MA 02719 254,000 113.50% 9.80% New Bedford MA 02745 245,000 112.30% 11.10% Wareham MA 02571 260,500 111.50% 8.20% Manchester NH 03102 242,000 111.10% 10.80% North Dartmouth MA 02747 324,500 110.90% 10.90% Mattapoisett MA 02739 353,500 110.70% 9.80% Chicago 254,000 49.60% 8.30% Chicago IL 60632 205,000 91.20% 13.80% Chicago IL 60638 237,000 90.90% 15.30% Chicago IL 60629 195,000 89.90% 16.70% Chicago IL 60652 180,000 84.60% 16.00% Chicago IL 60639 265,000 84.10% 11.20% Chicago IL 60630 318,000 83.30% 12.20% Chicago IL 60634 300,000 83.20% 12.50% Chicago IL 60640 511,000 82.20% 12.50% Oak Park IL 60302 450,000 80.50% 8.80% Chicago IL 60641 320,000 79.80% 11.10% Detroit 156,000 23.50% 4.50% Inkster MI 48141 85,000 39.80% 3.80% Pontiac MI 48342 75,000 37.90% 3.30% Mount Clemens MI 48043 136,000 35.90% NA Romulus MI 48174 145,000 35.80% 3.40% Dearborn Heights MI 48125 110,000 35.60% 3.40% Center Line MI 48015 125,000 35.60% 5.50% Ann Arbor MI 48103 263,000 35.50% 2.90% Detroit MI 48223 75,000 35.30% 2.00% Ann Arbor MI 48104 314,000 35.00% 1.30% Detroit MI 48235 97,000 34.30% 2.00% Los Angeles 418,000 125.70% 5.80% Rialto CA 92376 270,000 191.90% NA Littlerock CA 93543 230,000 185.80% NA Fontana CA 92335 272,000 184.70% NA Mira Loma CA 91752 449,000 182.50% NA Burbank CA 91502 677,500 180.50% NA Glendale CA 91203 538,000 180.40% NA Inglewood CA 90305 425,000 176.60% NA Santa Ana CA 92707 475,000 176.10% NA Riverside CA 92509 325,000 174.70% NA Inglewood CA 90303 390,000 173.80% NA Miami 246,000 106.00% 16.40% Miami FL 33137 265,000 171.30% NA Miami FL 33138 360,000 161.40% NA Miami FL 33150 142,000 147.80% 21.80% Fort Lauderdale FL 33311 175,000 134.50% 19.90% Pompano Beach FL 33062 355,000 133.00% 20.00% Deerfield Beach FL 33441 253,000 130.70% 17.10% Fort Lauderdale FL 33314 175,000 128.40% 22.80% Hollywood FL 33020 204,000 128.30% NA Pompano Beach FL 33064 171,000 126.90% 21.50% Miami FL 33179 169,000 125.50% 18.20% New York 360,000 87.50% 11.90% Beach Haven NJ 08008 687,500 146.00% 14.30% Tuckerton NJ 08087 216,000 134.50% 13.70% Mastic Beach NY 11951 228,000 130.20% NA Manorville NY 11949 392,000 128.80% 16.30% Brielle NJ 08730 519,000 127.70% 11.70% Bellport NY 11713 158,000 127.50% NA Mastic NY 11950 239,500 127.20% 17.10% Lavallette NJ 08735 557,500 127.00% 12.90% Perth Amboy NJ 08861 260,000 126.90% 13.00% Waretown NJ 08758 350,000 125.60% 15.50% Philadelphia 199,000 71.00% 11.40% Brigantine NJ 08203 358,500 149.50% 15.40% Sea Isle City NJ 08243 699,000 136.50% 20.10% Ocean City NJ 08226 650,000 133.80% 18.50% Ventnor City NJ 08406 285,000 132.20% 18.50% Villas NJ 08251 167,500 124.40% 20.60% Margate City NJ 08402 549,000 122.70% 17.10% Ocean View NJ 08230 325,000 118.50% 15.30% Northfield NJ 08225 207,500 117.30% 15.60% Marmora NJ 08223 265,000 116.50% 16.00% Somers Point NJ 08244 225,500 111.50% 16.00% San Francisco 576,000 82.00% 14.40% Vallejo CA 94590 361,000 149.00% 16.90% Oakland CA 94621 310,000 144.20% 15.00% Dixon CA 95620 448,000 140.70% 16.10% Fairfield CA 94533 367,000 137.00% 18.00% Vallejo CA 94589 370,000 135.70% 17.80% Oakland CA 94603 326,500 135.70% 15.30% Suisun City CA 94585 380,000 131.50% 17.20% Oakley CA 94561 400,500 130.20% 21.40% Pittsburg CA 94565 389,000 129.90% 20.10% Vacaville CA 95687 391,500 129.70% 14.80% Seattle 289,000 38.50% 10.10% Seattle WA 98126 294,000 57.80% 10.30% Seattle WA 98106 233,000 53.40% 12.30% Seattle WA 98109 556,000 53.00% 11.40% Seattle WA 98107 362,000 52.50% 9.50% Seattle WA 98117 380,000 52.40% 8.40% Seattle WA 98103 399,000 52.30% 8.90% Seattle WA 98199 510,000 51.10% 8.20% Seattle WA 98116 389,000 51.10% 8.10% Seattle WA 98105 441,000 50.60% 6.90% Seattle WA 98168 229,000 48.80% 9.00% Washington, D.C. 335,000 99.00% 14.90% Gaithersburg MD 20877 329,000 127.40% 14.30% Germantown MD 20874 291,000 117.80% 16.00% Silver Spring MD 20903 340,000 116.90% 12.40% Gaithersburg MD 20879 309,000 115.90% 13.70% Rockville MD 20851 320,000 112.50% 9.30% Silver Spring MD 20910 450,000 112.00% 8.70% Gaithersburg MD 20878 485,500 112.00% 10.60% Rockville MD 20853 400,000 111.10% 12.30% Rockville MD 20850 523,000 109.80% 9.30% Silver Spring MD 20901 365,000 109.60% 12.50% Notes: 1 Q4 1999 through Q4 2004 2 Q1 2005 through Q1 2006 Source: Fiserv CSW «top» The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years

Buy Home

Homes for Sale - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Homes for Sale Information by State Esta página en español Print version Email this to a friend Helpful Tools Maps/Directions Neighborhoods Additional Information How to Buy a HUD Home Housing Counseling Homebuyers Kit HUD-Approved Lenders HUD-Approved Condos Lead Hazard Control Fair Housing Information Settlement Costs and Helpful Information Officer Next Door Teacher Next Door Revitalization Areas $1 Homes to Local Governments About Multifamily Property Sales Consumer Alert Several federal agencies have properties to sell. In fact, HUD sells both single family homes and multifamily properties. Check them out - one might be just what you're looking for! Single Family Homes for Sale From HUD From the Department of Veterans Affairs From Federal Deposit Insurance Corporation From General Services Administration From Internal Revenue Service From Small Business Administration From US Army Corps of Engineers From Customs From the U.S. Marshals Service From the Department of Agriculture Rural Development Related Links From Fannie Mae From Freddie Mac From Realtor.com Multifamily Properties From HUD From Fannie Mae General Services Administration Federal Deposit Insurance Corporation Content updated March 17, 2005 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

home equity loan? How

Home equity brochure Office of Consumer Credit Commissioner Home Equity Loans in Texas: Frequently Asked Questions Printer-friendly PDF version What is a home equity loan? How much can I borrow? Why can't I borrow against more than 80% of the home's value? How are home equity loan interest rates determined? What other costs are involved? What if I feel a lender has overcharged me on closing costs? Are there different kinds of home equity loans? Can I set up a line of credit with my home equity? How can I use the money? What if I change my mind? How many home equity loans can I have? Why do I have to wait a year to refinance a home equity loan? Could a lender foreclose on my home if I'm late paying on a car loan or a credit card? What else should I know? What are some other helpful resources? Top of Page What is a home equity loan? A home equity loan is a financial product that allows a borrower to use the market value of a home as collateral for a loan. Loans secured by real estate generally are considered safer by lenders, resulting in lower interest rates than for other types of loans. Equity is easily calculated by subtracting the amount owed on the home from the current market value. For example, if a house with a market value of $100,000 has an outstanding mortgage of $30,000, the homeowner has equity of $70,000. If there were no mortgage or other type of lien on the house, the homeowner would have $100,000 in equity. Top of Page How much can I borrow? Through home equity loans, Texans can borrow money using up to 80% of the value of their homes as collateral. Consider the example of a home valued at $100,000 with an outstanding mortgage debt of $30,000 and $70,000 worth of equity. Because homeowners are limited to borrowing no more than 80% of the home's value, the homeowner would simply calculate 80% of $100,000 ($80,000) and then subtract $30,000 to arrive at a maximum loan amount of $50,000. Total mortgage debt, including the amount of any existing mortgages plus the projected home equity lien, cannot exceed 80% of the home's current fair market value. Homeowners with 20% or less equity in their homes are not eligible for home equity loans. Top of Page Why can't I borrow against more than 80% of the home's value? Texans voted to limit the loan amount to 80% to help prevent overextensions of credit and protect our economy during times of economic slowdown. Top of Page How are home equity loan interest rates determined? Market competition and conditions determine the rates in general; the borrower's own credit history will further affect the rate offered. Home equity loans usually have lower interest rates than do other types of consumer loans, such as loans secured by personal property or loans secured simply by a borrower's signature (unsecured loans). First mortgages (the primary loan on a house) generally have the lowest interest rates. As with any financial arrangement, you should shop around to find the best deal. In the Consumer Assistance section of our Web site are links to some handy online calculators that will help you compare loan programs. Top of Page What other costs are involved? Lenders can charge certain fees, usually called closing costs, in addition to interest. On a home equity loan, closing costs cannot exceed three percent (3%) of the principal amount borrowed. Prepaid interest, also known as points, is not subject to the 3% cap. Top of Page What if I feel a lender has overcharged me on closing costs? As a savvy consumer, you should always carefully examine a loan agreement before signing it. Have the lender thoroughly explain the contract's fee structure; you'll discover that any points you've purchased are not considered part of the fee amount subject to the three percent limitation. If a lender has overcharged you, you must give the lender a chance to correct the mistake (called curing the loan) before you can take legal action against them. You need to send a written request to the lender specifying the error so that the lender can issue a corrected loan agreement and refund any amounts due. For more information on this process, contact our Consumer Helpline at 800.538.1579 or send your questions to us via e-mail . Top of Page Are there different kinds of home equity loans? No, but a home equity loan can hold either first lien or junior lien (often called second) position. If you own your home outright and take out a home equity loan, it will be considered a first mortgage because it is first in line to receive payment if the home is sold or a borrower defaults. If you refinance an existing first mortgage, and pledge some of your equity to receive cash in hand, you will still have just one-but larger-first mortgage. In this loan, generally called a cash out re-fi, the dollar difference between the original mortgage and the refinanced mortgage is the home equity loan amount. A secondary mortgage is a loan secured by a house that already has at least one other mortgage or lien. Taking out a home equity loan in addition to a first mortgage places a second lien against the home. The law prohibits a homeowner from having more than one home equity loan at a time, although a homeowner may have secondary liens from other sources, such as a home improvement loan or a tax lien. Top of Page Can I set up a line of credit with my home equity? As of September 2003, Texans can establish lines of credit using up to 50% of the value of their homes as collateral (as opposed to the 80% allowed on standard loans). Top of Page How can I use the money? However you choose. There are no legal restrictions regarding how you use your loan proceeds. Top of Page What if I change my mind? The law requires a 12-day waiting period from the time an application is taken AND a legally mandated written consumer rights notice is given to the borrower. For example, if a potential borrower submits an application on Monday, but doesn't receive a copy of the consumer rights notice until Wednesday, then the 12-day countdown would begin on Wednesday. The 12-day period is measured in calendar days (rather than business days) per the Home Equity Commentary issued by this office. Once the waiting period has passed, the loan can be closed. Further, the homeowner or homeowner's spouse may still cancel the loan agreement without penalty within three days after closing. Top of Page How many home equity loans can I have? A borrower may have only one equity loan at a time. Furthermore, it cannot be refinanced more frequently than once a year. Because of this limitation, it is crucial to shop for the best terms among lenders. It is also important, as in any credit transaction, to compare the total costs of a home equity loan to other types of credit available to the consumer. For example, a borrower might not face a prepayment penalty for early payoff of a home equity loan. However, if the loan is paid off early, a home equity loan could end up being more expensive than an unsecured loan with a higher interest rate if you paid closing costs and points. To better determine the best solution to your situation, see the financial calculators in the Consumer Assistance section of our Web site for help crunching the numbers. Top of Page Why do I have to wait a year to refinance a home equity loan? Texas voters placed this provision in the Texas Constitution as a consumer protection. Because closing costs and points are collected each time a mortgage loan is closed, generally it's not a good idea to refinance often. Top of Page Could a lender foreclose on my home if I'm late paying on a car loan or a credit card? On a standard car loan, the car itself is the collateral, and Texas law prohibits using a person's homestead as additional collateral on the same loan. However, if a homeowner decides to take out a home equity loan to pay off credit card debts or buy a car, the home is then collateral for the home equity loan and can be foreclosed on if the homeowner does not make payments on time. Top of Page What else should I know? It's always a sound practice to shop around for a loan, but don't fill out any applications until you've picked the company you definitely want to work with. Filling out too many applications may unduly harm your credit report. Before you sign on the dotted line, find out what kind of experience other consumers have had with your potential lenders. Check out lenders with the Better Business Bureau . The Office of Consumer Credit Commissioner regulates certain home equity lenders and offers a Consumer Helpline for credit-related questions at 800.538.1579. We can let you know about consumer complaints we have on file. To get more information about home equity issues or to request lender complaint files, visit our Consumer Assistance page. Other Helpful Resources Texas Office of the Attorney General Consumer Protection Hotline: 800.252.8011 Federal Trade Commission Consumer Response Center: 877.382.4357 U.S. Dept. of Housing & Urban Development Main number: 202.708.1112 State of Texas / TRAIL (Texas Records and Information Locator) Texas Finance Commission / Department of Information Resources Sunset Advisory Commission / Privacy Policy Open Records Requests En Español

Real Estate Brokers and

Real Estate Brokers and Agents - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Real Estate Brokers and Agents Information by State Esta página en español Print version Email this to a friend More from HUD HUD handbooks and forms Homeownership centers Housing keyword index Glossary of terms Limited denials of participation Housing Today Related Information Debarments Institute of Real Estate Management American Factfinder Learn about selling HUD Homes and the advantages of FHA loans. Selling HUD Homes Introduction to selling HUD Homes More about selling HUD Homes Current listings find homes on our Marketing and Management (M & M) contractors' website Officer Next Door Teacher Next Door What About FHA Loans? Let FHA loans help you Find an FHA lender FHA maximum mortgage limits FHA approved condominiums Help For Your Buyers Local homeownership assistance programs Housing counseling free or low-cost counseling services for buying, renting, defaults, foreclosure, credit issues and reverse mortgages Homeownership voucher program some Housing Choice (Section 8) voucher holders may be able to purchase a home Avoid foreclosure help for former clients that may be facing foreclosure General Information Real Estate Settlement Procedure Act (RESPA) Settlement costs Healthy homes and lead hazard control Manufactured housing Content updated November 16, 2005 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you