Home Mortgage

Manage the moving and relocation process with Moving.com Find a Mover Truck Rental Moving Boxes and Supplies Moving Tools Advice & Articles Mortgage Rates & Quotes Mortgage Commentary Tools & Calculators Advice & Articles Find an Agent Apartment Rentals Roommate Search Home Purchasing Tools Articles & Advice Storage Facilities Truck Rental Packing Supplies Advice & Articles Site Map | Create an Account | Login I need help with: - Select Move Type - ----------------------- Full Service Self-Service Auto Transport International Office Piano Art & Antiques Labor Only Truck Rental I'm moving on Date : Jan Feb Mar April May June July Aug Sept Oct Nov Dec 1 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 2005 2006 I'm moving FROM : - Select a Country - ----------------------- United States Canada Afghanistan Albania Algeria Andorra Angola Argentina Armenia Australia Austria Azerbaidjan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bolivia Bosnia-Herzegovina Botswana Brazil Bulgaria Burkina Faso Burundi Cambodia Cameroon Cayman Islands Central African Republic Chad Chile China Colombia Congo Costa Rica Croatia Cuba Cyprus Czech Republic Denmark Djibouti Dominican Republic East Timor Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Greenland Guadeloupe (French) Guam Guatemala Guinea Guinea Bissau Guyana Haiti Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Ivory Coast Jamaica Japan Jordan Kazakhstan Kenya Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macau Macedonia Madagascar Malawi Malaysia Maldives Mali Malta Martinique (French) Mauritania Mauritius Mexico Moldavia Monaco Mongolia Montserrat Morocco Mozambique Myanmar - 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----------------------- United States Canada Afghanistan Albania Algeria Andorra Angola Argentina Armenia Australia Austria Azerbaidjan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bolivia Bosnia-Herzegovina Botswana Brazil Bulgaria Burkina Faso Burundi Cambodia Cameroon Cayman Islands Central African Republic Chad Chile China Colombia Congo Costa Rica Croatia Cuba Cyprus Czech Republic Denmark Djibouti Dominican Republic East Timor Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Greenland Guadeloupe (French) Guam Guatemala Guinea Guinea Bissau Guyana Haiti Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Ivory Coast Jamaica Japan Jordan Kazakhstan Kenya Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macau Macedonia Madagascar Malawi Malaysia Maldives Mali Malta Martinique (French) Mauritania Mauritius Mexico Moldavia Monaco Mongolia Montserrat Morocco Mozambique Myanmar - Union of (Burma) Namibia Nepal Netherlands Netherlands Antilles New Zealand Nicaragua Niger Nigeria North Korea Norway Oman Pakistan Panama Papua New Guinea Paraguay Peru Philippines Poland Polynesia (French) Portugal Puerto Rico Qatar Romania Russian Federation Rwanda Saint Kitts & Nevis Anguilla Saint Lucia Samoa Saudi Arabia Senegal Seychelles Sierra Leone Singapore Slovakia Slovenia Somalia South Africa South Korea Spain Sri Lanka Sudan Suriname Swaziland Sweden Switzerland Syria Tadjikistan Taiwan Tanzania Thailand Togo Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Venezuela Vietnam Virgin Islands (British) Virgin Islands (USA) Yemen Zaire Zambia Zimbabwe City: Zip - Select a Province - ----------------------- Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon Service Type: Load Unload Both I'm Moving FROM : Zip I'm Moving TO : Load Location: -- Select a State -- -- Select a City -- Unload Location: -- Select a State -- -- Select a City -- Approx. size of move: - 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Colorado Real Estate

CE Colorado Licensure Information Education, Experience and Exam Requirements Click here for information on the coursework and exam requirements for licensure. Examination Information For information about the real estate broker examination program, including reservation and application processes, click on the following hyperlink: Broker Candidate Bulletin To make an exam reservation click here: PSI website, or call PSI's Candidate Care Center at 1-(800) 733-9267. Procedure For Licensure Step 1: Character In addition to determining competency standards, the Real Estate Commission is authorized by statute to require and procure proof of the truthfulness, honesty and good moral character of any applicant. PRIOR to submitting an application for a license: each applicant shall submit a set of fingerprints to the Colorado Bureau of Investigation for the purpose of conducting a state and national criminal history record check. Click here for more information. Step 2: Education, E xperience and E xamination requirements must be documented prior to filing the appropriate application for licensure. a. Education certificates are furnished by the real estate schools after completion of the course requirements. Official transcripts are required for applicants who qualify based on a degree with a major course of study in real estate from an accredited college or university. b. An exam score report is furnished immediately upon completing the exam. Exam scores will be sent to the DRE electronically and you will not need to include score reports with your application. The real estate license examination is made up of two parts, the general part, and the local (state) part. Applicants for licensure who must receive passing scores on both the general part and the state part of the examination need not receive them on the same administration date. If one part is failed, the applicant may retake it at a subsequent time. In no event will a passing score on either part be accepted beyond one year. c. You must obtain a certificate of license history from each jurisdiction in which you hold or have held a real estate license. If the other license is current (active or inactive), the certificate must be less than 90 days old when you submit your Colorado application. If the other license is expired, the certificate must be dated after the license expiration date. (NOTE: Each state/jurisdiction responds to requests for certification of license history with varying degrees of timeliness. Plan ahead for this so as to avoid delay in submitting your Colorado application. Step 3: Errors and Omissions (E&O) Insurance. You must have E&O insurance in place on your license before it will be issued on active status. Talk to your employing broker, as some have purchased independent E&O policies. If you or your broker use the state-endorsed group policy , the vendor, Rice Insurance Services Company (RISC) will automatically download your coverage into our database. You may enroll in the group policy on-line at www.risceo.com or call them at 1 (800) 637-7319. If you have independent coverage, you must certify coverage to the commission on the form " Certificate of Independent Coverage ". Step 4: Complete the application form . Enclose all required documentation and appropriate application fee. You may deliver or mail the application to the DRE. Don't forget that exam scores are only valid for one year. Processing of your application may take up to six weeks. Initial licenses will be issued for a three-year period expiring on the anniversary date of the issuance. If you have questions on Licensing in Colorado, e-mail us Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised November 2, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)

Land Loan

Farm Bureau Bank | Land Loan Pre-Qualification Form -- Land Loan Pre-Qualification Form Congratulations on taking the first steps towards purchasing or refinancing a home. The answers to these basic questions will help us process your prequalification form. * Indicates required fields Personal Information Please provide the following information: -- First Name MI Last Name Address City State Zip Code Please Select Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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 Email Address * Telephone ( ) - Loan Type Please provide the following information: -- * Is this a purchase or refinance? Purchase Refinance If it is a refinance, is it a cash-out refinance? Yes No If it is a refinance, what is your current rate and term? Rate % Term years Property Type Please provide the following information: -- Is the property owner occupied, Second Home, or an investment property? Owner Occupied Second Home Investment Property Single-Family Multi-Unit -- Estimated current value of property .00 Estimated loan amount based on sales price or refinance amount Residential Lot Acreage -- What is the size of the acreage? Is the acreage used for farming or agricultural purposes? Yes No Is this for the purchase or refinance of land only? Yes No Credit History Please provide the following information: -- * Have you had a collection problem on any loan or declared bankruptcy in the past three years? Yes No Contact Information Please provide the following information: -- * When is the best time for our mortgage loan officer to reach you should we need to call you back? Comments Please provide the following information: -- Are there any farm type outbuildings such as barns, grain bins etc on the property. If so, describe briefly in comments section.

Home Equity Line of

Presidential Bank: Home Equity Line of Credit Information Presidential Loan Products..... Lending Overview Home Mortgage Programs Apply Online for a Home Mortgage Home Equity Line of Credit Car Loans Commercial Lending Home Equity Lines of Credit Home Equity Line of Credit Loan Calculator Line of Credit Amounts: $10,000 to $300,000 Introductory Interest Rate: 1.25% APR for first 4 months To qualify for the introductory rate, your line must be activated within thirty days of settlement, with a draw of at least $10,000 in the first 30 days after the closing date. Interest Rate after Introductory Period: Loans of 30,000 or more: Prime Rate Loans of less than $30,000: Prime Rate +1% As of today, the Prime interest rate is equivalent to a rate of 7.25% APR, and 1.00% over the Prime interest rate is equivalent to a rate of 8.25% APR. The Prime rate use is the prime rate as quoted in the Wall Street Journal. APR is the Annual Percentage Rate, as computed under applicable federal regulations. After the introductory period, the interest rate is subject to monthly adjustment, as the Prime rate changes. However, the APR will never exceed 24%. Closing Costs Waived You pay absolutely nothing to establish your Presidential Home Equity Line. No closing costs -- no application fee -- no appraisal fee -- no points. This can save you hundreds of dollars! This no closing cost feature is subject to the terms and conditions of the Home Equity Line Agreement, which require that the line must remain open for a minimum of 42 months and that the finance charges must be at least $1,000 during the period the line is open. Tax Deductions Unlike credit card interest and other non-mortgage interest you may pay, you can deduct the interest you pay on a home equity line of credit for federal income tax purposes, subject to the requirements of the Internal Revenue Code. Drawing Against Your Line You may draw against your line at any time, simply by writing a check. Free checks are provided. Eligible Property Owner occupied single-family residences. Lending Area Nationwide (state restrictions may apply) Maximum Loan To Value Ratio The combined amounts of your first mortgage and the dollar limit on your Home Equity Line may not exceed 80% of the value of your home. Repayment Monthly payments are required, whenever the Home Equity Line of Credit has a principal balance outstanding. Principal may be prepaid at any time without penalty. The Line has an initial draw period of 15 years (180 months), during which advances may be made, followed by a repayment period of 8 years and 4 months (100 months). During the first 180 months of the term of the Home Equity Line of Credit, principal may be advanced and repaid at any time, subject to the approved maximum loan amount. Whenever a loan balance is outstanding, monthly payments of interest are required. After the end of the first 180 months, no further advances of principal will be made, and the line of credit must be repaid over the succeeding 100 months in monthly installments equal to 1% of the principal outstanding at the beginning of this repayment period, plus accrued interest. Other Terms All applications are subject to credit approval. Adequate property insurance is required. The minimum draw amount is $100. If you fail to qualify for the waiver of closing costs, you will be charged for your credit report, property appraisal, mortgage recording fees and other out-of-pocket costs of closing your loan; these costs generally total between $250 and $1,550. We will provide an itemization of the closing costs of your loan upon request. For additional information, see the Presidential Home Equity Line of Credit disclosure statement and the Home Equity Line Agreement. For additional information about Home Equity Lines of Credit: Read about it at The Federal Reserve Board . For Home Equity Line inquiries call: (800) 281-2771, or apply online . Presidential Bank's Privacy Notice . Deposit Products | Loan Products | Investments | Online Banking | About Presidential | News | Home email@presidential.com © 1995, 1999, 2002 - 2005 Presidential Bank, FSB last updated 12.14.05 lmm Member FDIC

Property Search

Prudential Connecticut Realty Only the listings of brokers participating in the Multiple Listing Service Internet Data Exchange program will be displayed in this search. If you would like a complete view of the market register for Prudential Plus today. Enter your search criteria to view properties currently on the market. 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Min Max Acreage Min Max Show Waterfront Properties Only No Yes Search Description for this Phrase (exact match required) or N/A Active Adult OR MLS Number(s) The data relating to real estate sale from the website comes in part from the Internet Data Exchange programs of the Multiple Listing Services displayed below. Real estate listings held by brokerage firms other than Prudential Connecticut Realty are marked with the IDX logo and detailed information about them includes the name of the listing broker. Last Updated: 12/29/2005 10:05:14 AM Consolidated Multiple Listing Service Darien Multiple Listing Service Eastern CT Realtors Information Service Massachusetts MLS New Canaan Multiple Listing Service Regional Multiple Listing Service Rhode Island State-Wide Multiple Listing Service