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Amazon.com: House of 1,000 Corpses: DVD: Chad Bannon,William Bassett,Karen Black,Erin Daniels,Dennis Fimple,Walton Goggins,Sid Haig,Chris Hardwick,Jennifer Jostyn,Irwin Keyes,Matthew McGrory,Sheri Moon,Bill Moseley,Robert Allen Mukes,Michael J. Pollard,David Reynolds (VII),Tom Towles,Rainn Wilson,Harrison Young Your Store DVD See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Genres | Top Sellers | New & Future Releases | Television Central | Life & Learning | DVD Essentials | Blowout DVDs | Movie Showtimes | Used DVDs Search Amazon.com DVD Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . DVD Information Explore this item buying info editorial reviews customer reviews cast and crew fun facts Listmania! Great horror movies with NO co... : A list by mellowb780 Add your List Ready to buy? Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MORE BUYING CHOICES 113 used & new from $7.34 Have one to sell? House of 1,000 Corpses (2003) Starring: Sid Haig , Bill Moseley Director: Rob Zombie Rating: See larger image Share your own customer images List Price: $14.98 Price: $9.99 & eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.99 (33%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Want it delivered Tuesday, January 3? Choose One-Day Shipping at checkout. See details 113 used & new available from $7.34 Edition: Other Versions and Languages Other Versions (VHS Tape) List Price Price Other Offers: VHS Tape House of 1000 Corpses (Spanish) (Sub) $49.98 $47.48 2 used & new from $47.48 VHS Tape House of 1000 Corpses $9.98 $9.48 32 used & new from $0.84 Other Versions (Audio CD) Audio CD House of 1000 Corpses $18.98 $14.99 81 used & new from $2.98 Better Together Buy this DVD with The Devil's Rejects (Unrated Widescreen Edition) DVD ~ Sid Haig today! Total List Price: $42.96 Buy Together Today: $27.98 Customers who bought this DVD also bought The Devil's Rejects (Unrated Widescreen Edition) DVD ~ Sid Haig Saw (Widescreen Edition) DVD ~ Leigh Whannell Land of the Dead (Unrated Edition) DVD ~ Simon Baker StrangeLand DVD ~ Kevin Gage Explore Similar Items : in DVD , in Music Storyline Genres: Horror Tagline: The most shocking tale of carnage ever seen. Plot Outline: Two teenage couples traveling across the backwoods of Texas searching for urban legends of serial killers end up as prisoners of a bizarre and sadistic backwater family of serial killers. Plot Synopsis: In "House of 1000 Corpses", two young couples take a misguided tour onto the back roads of America in search of a local legend known as Dr. Satan. Lost and stranded, they are set upon by a bizarre family of psychotics. Murder, cannibalism and satanic rituals are just a few of the 1000+ horrors that await. Plot Keywords: Rabbit Suit | Roadside Attraction | Music Score Composed By Director | Body In Trunk | Corpse | Ghoul | Haunted House | Independent Film | 1970s | Blood | Gore | Murder | (Show all 60 plot keywords recommended by customers) Product Details Actors: Sid Haig , Bill Moseley , Sheri Moon , Karen Black , Chris Hardwick , See more Directors: Rob Zombie Format: Closed-captioned, Color, Ntsc Rated: (Not for sale to persons under age 18.) Studio: Lions Gate DVD Release Date: August 12, 2003 Run Time: 88 min (original theatrical or airing runtime) Average Customer Review: Based on 612 Reviews From IMDb: Quotes & Trivia ASIN: B00009MGEM Amazon.com Sales Rank: #1,516 in DVD Theatrical Release Information US Theatrical Release Date: April 11, 2003 MPAA: for strong sadistic violence/gore, sexuality and language. Production Company: Universal Pictures USA Box Office: $13 Million Budget Estimate: $7 Million Filming Locations: Universal Studios, Universal City, California, USA Editorial Reviews Amazon.com It's sick! It's twisted! It's House of 1,000 Corpses , and it's more fun than a wholesome bowl of "Agatha Crispies"! Dropped by two studios (Universal and MGM) and doomed to obscurity until Lions Gate Films gave it a limited theatrical release, Rob Zombie's gonzo horror flick is a blood-spattered throwback to the gore-fests of the '70s, lending new meaning to the term "box-office gross ." Most critics misunderstood this unbridled exercise in graphic style and violence, but for devoted horror buffs it's a refreshing rebuttal to the comparatively "polite" frights of the post- Scream era. While paying homage to The Texas Chainsaw Massacre , Last House on the Left , Motel Hell , and other gory classics, Zombie's ramshackle plot (two young couples are terrorized by an inbred family of homicidal maniacs) lacks a crucial sense of dread, but his pastiche of vivid colors, grainy fetish-films, and photo-negative imagery is guaranteed to hold your attention. A bona-fide cult item, this House is definitely worth a visit... if you dare. --Jeff Shannon Customers who viewed this DVD also viewed The Texas Chainsaw Massacre DVD ~ Jessica Biel House of 1000 Corpses ~ Various Artists House of Wax (Widescreen Edition) DVD ~ Elisha Cuthbert The Devil's Rejects ~ Original Soundtrack Explore Similar Items : in DVD , in Music , and in Toys & Games Spotlight Reviews Write an online review and share your thoughts with other customers. 45 of 61 people found the following review helpful: THE BOOGYMAN IS REAL, AND YOU FOUND HIM!! , August 16, 2003 Reviewer: Pamela Scarangello (Middletown, NJ USA) - See all my reviews I snatched this DVD off the shelf the day of its release, and for good reason. "House of 1000 Corpses" is absolutely the greatest grisly horror film I've ever seen! Watching the movie in its original theatrical premiere gave me the thrills and chills, and I don't even listen to any of Rob Zombie's music. What makes this film quite excellent is that it has finally reawakened the celluloid corpse of the horror genre; before this, Hollywood has churned out an obscene number of dull PG-13 teeny bopper flicks, including "Scream" and "I Know What you Did Last Summer." While paying homage to the low-budget shockfests of the 1960's and 70's, Zombie gives "House" a post-millenium twist with acidic photo negativity and twisted montages incorporating topless strippers, mutilated cadavers and snippets from campy black-and-white monster movies (provided by Dr. Wolfenstein's Creature Feature Marathon). Rob Zombie himself commented that a majority of "House's" gritty home video footage was shot through a hand-held camera in parts of Zombie's own basement! Also notice how NO high-tech computer effects were used; because "House" is set in the rural American South in 1977, the makers intended to stay true to that period (not to mention achieve realistic gore without overspending the budget). And of course the larger-than-life characters of "House of 1000 Corpses" are just as memorable as those in "The Rocky Horror Picture Show." In fact, in the DVD's featurette, Sig Haig happily confessed how he would like to see this film presented in any tiny theatre where audiences can yell back at the screen! Who wouldn't love to visit Captain Spaulding's Museum of Monsters and Madman and sample a bag of tasty fried chicken? Would you dare purchase a ticket to the scary Murder Ride and learn the legend of Dr. Satan? Or how about the psychotic Spiderfly family, who light up the flickering candles on Halloween night and fiendishly participate in a gruesome celebration (one in which cheerleaders are gagged, tied up and tortured)? Better yet, when was the last time a cinema fanatic witnessed a cult ritual of blood and fire, dedicated to the famous Dr. Satan himself?! Although I enjoy watching this film from beginning to end, I do have a few favorite moments. The first that immediately comes in my head is none other than the creepy Murder Ride, complete with cross-shaped tombstones, animatronic zombies and the awesome Captain telling the tragic tales of real-life serial murderers, molesters and cannibals (most notably Ed Gein, the notorious killer whose farmhouse was borrowed for "The Texas Chainsaw Massacre.") I love the part when Baby (Sherie Moon) struts her way to the stage in her glittering evening gown, lip-synching to "I Wanna Be Loved by You" like a cute Hollywood starlet. Such bizarre charm! Yet another moment that stands out in my mind is when the sadistic Otis (Bill Moseley) lops off a victim's right hand with an axe...all while the funky Commodore's hit "She's a Brick House" blares on the radio! Mother Firefly (played by the voluptuous Karen Black) sort of reminds me of a blond, venomous Sharon Osbourne from the South! You kiddies will be happy to know that actors Sid Haig, Sherie Moon AND Bill Moseley actually host the different menus on the DVD; after returning to their delightfully creepy roles in the film, they each provide color commentary DIRECTLY TO YOU! Unfortunately, the list of extras DOES NOT include any hardcore deleted scenes, but if you carefully listen to Zombie's commentary, you might get just a hint as to which kind of footage was edited out. The interviews segment is quite interesting to watch too. I think I like the part when Sid Haig (clown greasepaint and all) chose "House of Wax" as his most favorite horror movie. Each interview even unveils a brand new character action figure! I can hardly wait to see what Rob Zombie has in store for us in the future, when he prepares to unleash an even more violent sequel! RIP Dennis Fimple. Was this review helpful to you? ( Report this ) 42 of 58 people found the following review helpful: Much better than you might think , July 2, 2003 Reviewer: N. Durham "Big Evil" (Reading, PA) - See all my reviews Fans have anxiously awaited Rob Zombie's directorial film debut for over 3 and a half years now, and while the finished product of House of 1000 Corpses isn't scary one bit, it's a very fun dirty little film that reminds us that horror films are supposed to be fun. In the late 70's, four kids go cross country and come across hearing the legend of Dr. Satan; an insane doctor who performed ghoulish experiments on his patients. Soon they pick up a hitchhiker (the oh so hot Sheri Moon; Rob Zombie's real life girlfriend), and from this point any veteran fan of horror films knows whats going to happen next. Soon we meet her family which includes Trilogy of Terror vixen Karen Black and the always excellent Bill Moseley. Next there are plenty of predictable scares followed by some nice gore and make up effects, and the film bares a stunning resemblance to the original Texas Chainsaw Massacre. Zombie partly succeeded his intention; to make a truly scary horror film like the ones of old, and while House of 1000 Corpses isn't the most brilliant piece of horror film (or the most intelligent for that matter), it's a fun ride nonetheless, and Zombie shows some true directorial talent. The performances are great with Moseley stealing the entire show, his performance bearing striking similarities to his zany and hilarious deliverance of Chop Top in Texas Chainsaw Massacre 2, and the cast also includes a foul mouthed clown faced Sid Haig and a southern drawl spewing Walt Goggins (Shane on TV's The Shield). All in all, House of 1000 Corpses is a gritty little movie that horror buffs will find some appreciation for. If you find you like this check out older horror films like Texas Chainsaw Massacre 1 & 2, Last House on the Left, and the original Hellraiser. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 0 of 5 people found the following review helpful: Movie of 1000 Minutes , December 10, 2005 Reviewer: Chris Chris Chris - See all my reviews Read my review and learn, Rob Zombie: A good guitar riff can get you a 3-minute song, but for a feature length movie you need a good story. More is less. Was this review helpful to you? ( Report this ) 3 of 5 people found the following review helpful: Disturbing , December 5, 2005 Reviewer: A. Vegan (Ontario Canada) - See all my reviews I consider myself a huge horror fan and I think "House of 1000 Corpses" is probably one of the worst horror movies, ever. In "House of 1000 Corpses", Jerry, Bill, Mary, and Denise take a trip to the American roads in order to collect material for a book about offbeat roadside attractions. At some point, Bill decides to stop at a gas station ran by an extremely weird man in a clown suit named Captain Spaulding. The place is very bizarre and tacky, but since Jerry and Bill live for that kind of rarities...they love the place!. Captain Spaulding nicely invites the two guys to take a look at the "murder ride". After finally managing to persuade the girls, the four friends take a look at the weird attraction. That's how they become aware of the local legend of Doctor Satan. A weird creature who devoted his entire life to experiment with people and turn them into monsters. Apparenly, Dr Satan was hung from a tree by a bunch angry villagers. That tree is not far away from the "murder ride". Obviously, Bill and Jerry insist Captain Spaulding on letting them know the way to that tree and he finally accedes. In the middle of the road, they pick up weird hitchhiker, a blonde girl named "Baby". The car breaks down all of a sudden, but Baby nicely offers some help and invites them to stay at her place while her brother fixes the car. Unfortunately, Baby and her family are a bunch of sadistic maniac who enjoy celebrating Halloween in a grotesque way. "House of 1000 Corpses" is nothing but a "Texas Chainsaw Massacre" rip-off. The film is very disturbing as some scenes and images were defiantely very creepy. Its also very gory but that doesn't mean its scary. It also sometimes goes over the top on the gore. Was this review helpful to you? ( Report this ) 0 of 2 people found the following review helpful: Starts off good.. , November 28, 2005 Reviewer: Disappointed (California) - See all my reviews Captain Spaulding, Tiny, and Mother Firefly are great characters, very well acted. Otis isn't bad, except for his terrible wig and makeup job. This movie has some good scenes, mostly in the first third, but it moves like an overlong music video, the "shocks" aren't very shocking (especially since almost every gag is stolen directly from Texas Chainsaw Massacre), and the last half hour will put you to sleep. Not suspenseful or really scary even, but a good first 45 minutes or so. Devil's Rejects is a much better film. Was this review helpful to you? ( Report this ) 2 of 6 people found the following review helpful: Oh no, not "Doctor Satan"! , November 22, 2005 Reviewer: Anders Nissen (Falun, Sweden, Europe) - See all my reviews A good title. Promising storyline. Young people in the middle of nowhere, bound to get into serious trouble. However, Rob Zombie gets most of the things just half-right. The young people go on a tour (at a gas station!) where serial killers are presented. Promising idea, but the result is a display of some odd people with strange interests. Not scary, and not amusing - not even fascinating - just a shrug. The climax of the tour is the story about "Dr Satan". He was an evil doctor and was hanged in a trea by the locals. The tree is not far from the gas station, so why not check it out? A flat tire and a "helpful" girl later, the young people are dining with a strange family. Maybe it could have developed in an interesting way, but it gets stuck. In retrospect, even this "Dr Satan" thing is just too uncreative. What kind of name is that? No mystery, just a blunt attempt to have an evil sounding name. Whatever happened to "Michael Myers", "Freddy Kreuger", "Damien Thorne", or "Jason Voorhees"? No, Rob Zombie gotto have the most evilest of evilier of names. The basic problems are: Too many bad guys, more strangeness than scary stuff, and not so good music. The result is that there is virtually no direction. Odd things happen. Strange people appear. The young people get scared or die - and as a viewer I don't really care which. You need one killer to be scared of, not strange people popping up here and there. Any increasing of the number of killers needs careful thought and working out. Or you will end up with a mess. Trust me. Was this review helpful to you? ( Report this ) See all 612 customer reviews... Listmania! The Worst Movies : by Shauna N. Rushing "shauna2332"... 25 Greatest Horror Films Ever ... : by craig whitten Great horror movies with NO co... : by mellowb780 So You'd Like to... Hold A Truly Twisted Movie Party, don't invite the kids! : by ebacm knarf , One who has to apologise to his family See some of the BEST horror movies EVER!! : by Elaine , Lifetime Horror Aficianado Be Entertained Via DVD : by Joshua Miller , Movie freak Fun Facts from IMDb.com: Awards Click here to see more Awards Fantasporto: International Fantasy Film Award for Best Special Effects Nominations Click here to see more Nominations Fantasporto: International Fantasy Film Award for Best Film Teen Choice Awards: Teen Choice Award for Choice Movie - Horror/Thriller Trivia Click here to see more Trivia Universal pictures (original production company) refused to release the film, believing it would be given an "NC-17" rating by the MPAA. Filmed in 2000, and not released until three years later. Goofs Click here to see more Goofs When the kids are trying to leave the Firefly house compound, it's raining and their windshield wipers are on. When Rufus smashes the windshield, they are off. Crazy Credits Click here to see more Crazy Credits After the last scene, the words "The End?" are shown. The end credits show a dedication to Dennis Fimple (Grampa Hugo) who passedaway in 2002, the year before the movie was finally released. Movie Connections Click here to see more Movie Connections Followed by: The Devil's Rejects References: Animal Crackers | Freaks | Horse Feathers | Duck Soup | A Night at the Opera | A Day at the Races | Go West | Alice in Wonderland | Creature from the Black Lagoon | The Night of the Hunter | What Ever Happened to Baby Jane? | Spider Baby, or The Maddest Story Ever Told | Planet of the Apes | True Grit | Last House on the Left | Manson | The House of Seven Corpses | The Texas Chain Saw Massacre | The Child | Halloween | Mother's Day | The Funhouse | The Evil Dead | This Is Spinal Tap | Reservoir Dogs | Army of Darkness Quotes Click here to see more Quotes Otis : It's all true. The bogeyman is real and you found him. Captain Spaulding : I know what your problem is. Bill Hudley : What's that? Captain Spaulding : Ya'll think us folk from the country's real funny-like, dontcha? Bill Hudley : Jerry... Captain Spaulding : Yeah, well saddle up the mule, ma. Slide me some grits, I's got to get me some edu-cation, uh hu hu hu. Bill Hudley : Jerry... Captain Spaulding : You a******! For more information about "House of 1,000 Corpses" visit the Internet Movie Database (IMDb) Look for similar items by category Browse similar items in: DVD > Actors & Actresses > ( B ) > Bassett, William H DVD > Actors & Actresses > ( B ) > Black, Karen DVD > Actors & Actresses > ( F ) > Fimple, Dennis DVD > Actors & Actresses > ( G ) > Goggins, Walton DVD > Actors & Actresses > ( H ) > Haig, Sid DVD > Actors & Actresses > ( J ) > Jostyn, Jennifer DVD > Actors & Actresses > ( K ) > Keyes, Irwin DVD > Actors & Actresses > ( M ) > Moseley, Bill DVD > Actors & Actresses > ( P ) > Pollard, Michael J DVD > Actors & Actresses > ( T ) > Towles, Tom DVD > Genres > Horror > General DVD > Genres > Horror > Slasher Flicks DVD > Genres > Horror > Things That Go Bump > Occult DVD > Genres > Horror > Things That Go Bump > Zombies Suggestion Box Your comments can help make our site better for everyone. 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California Department of Real Estate: FAQs - Mortgage Loan Brokering in California California Home DRE Home Contact Us What's new About DRE Careers at DRE DRE Records Consumers Escrow Violations eLicensing Examinees Licensees Subdivisions Real Estate Law Regulations Publications Forms FAQs Links Index Department of Real Estate My CA FAQs: Mortgage Loan Brokering in California indicates an item is in Portable Document Format (PDF). You will need Adobe Reader (or an Adobe Acrobat product) to view it. Click on the icon below to download a free copy of Adobe Reader. Click here for information about using Adobe Reader. Provided below are answers to some of the most frequently asked questions regarding licensing and other related issues for those who are interested in some aspect of the mortgage business in California. Questions come from both licensees and non-licensees from other states and California expressing an interest in California licensing requirements to engage in mortgage activity. The following questions and answers are intended to answer many, but by no means all, of these inquiries from the standpoint of the Department of Real Estate requirements. Q . - As a mortgage broker in Kansas (or any other state), my plan is to move to California and pursue this same business. Does California issue mortgage broker licenses and is there any reciprocity in licensing with other states? A . - California does not issue a "mortgage broker" license. A majority of those engaged in mortgage loan brokering do so with a real estate broker license. To the surprise of some, the license that allows the listing and sale of real property (the traditional activities associated with a real estate broker license) is the same license that allows the solicitation of borrowers or lenders, the negotiation of loans secured by real property and the collection of payments on notes secured by real property. For further details concerning the definition of licensed activity, review Business and Professions Code Sections 10130 and 10131. It should be noted there are other licenses that allow mortgage loan brokering under a limited set of circumstances, such as the California finance license and the residential mortgage lending license. For information about these licenses contact the California Department of Corporations. (See addresses at end of pamphlet.) California does not have reciprocity with any other state as far as a real estate license is concerned. Information regarding obtaining either an individual or corporation real estate broker license is explained in Instructions to License Applicants . Q . - As a mortgage broker working outside of California, I occasionally have clients who are moving to California and have asked me to broker a loan for them to be secured by their new home. Although I am not licensed in California, can I broker a loan secured by California real estate? Does California have a rule that allows me to broker a small number of loans in California before I would have to be licensed? A . - No. To broker even one loan in California you need to be licensed here. However, California Real Estate Law does allow a California broker to share a commission with a broker from another state. Therefore, it may be possible to co-broker the loan with a licensed California broker. Q . - I am a licensed California real estate broker and I specialize in the sale of real property, primarily residential homes. I would like to branch out and engage in mortgage brokering. What additional licensing must be obtained? A . - As a licensed real estate broker, you may engage in mortgage brokering without any additional license. A real estate broker may engage in a variety of real estate related activities including residential home sales, mortgage brokerage, and property management, among others. You may, however, wish to consult with the Department of Housing and Urban Development to determine their rules regarding real estate sales and the arranging of FHA loans. Additionally, if you represent a buyer or seller in a real estate transaction, and will also be compensated for obtaining the loan for the buyer, Commissioners Regulation 2904 requires you to disclose, to all parties in the transaction, the form, amount, and source of the compensation received or expected for the loan. Go to Top of Page Q . - Another broker told me that the kind and volume of mortgage brokerage activity I engage in makes me a "threshold" broker. What does that mean? A . - Determining whether a broker meets the "threshold" criteria takes a careful reading of Section 10232 of the Business and Professions Code. Generally, the criteria is met by brokers who arrange, sell, or service "private investor" or "private lender" loans, sometimes referred to as "hard money" loans. The "threshold" criteria is satisfied by negotiating 10 or more loans or sales of notes or real property sales contracts in any 12-month period in an aggregate amount of more than $1,000,000 (all of which were funded or purchased by private investors or small pension trusts). A broker can also meet the "threshold" criteria by servicing loans on behalf of investors or on behalf of obligors. If the aggregate amount of payments collected is $250,000 in any 12-month period, the "threshold" criteria has been met. Included in the $250,000 aggregate is any amount the broker collects on loan payoffs. Brokers who collect payments on behalf of obligors are typically those who collect payments from homeowners on a bi-weekly mortgage payment plan. Within 30 days of meeting the "threshold" criteria, a broker is required to submit a Threshold Notification (RE 853) to the Department. The notification form is available at any DRE office or may be downloaded from the DRE Web site at http://www.dre.ca.gov . Q . - Once Ive submitted a Threshold Notification (RE 853) to the Department advising of my "threshold status," what happens next? A . - After receipt of the "threshold" notification, the Department sends the broker information and necessary documents for required quarterly and annual reporting to the Department and adds the broker to the "threshold" list. The Department then tracks and records each required report from the broker. Q . - What kind of reporting requirements are necessary if I satisfy the "threshold" criteria? A . - "Threshold" brokers make quarterly and annual reports to the Department on their trust fund bank accounts and an annual report on their business activities. Except for the annual trust fund report (which is done by a public accountant per instructions from the Department), the Department provides the necessary forms for the quarterly trust account and annual business activity reports. These are provided to the broker upon receipt of the "threshold" notification form. Go to Top of Page Q . - I am a broker who arranges loans for, and sells notes to, private investors and small pension trusts. May I also borrow personally from any of these investors? A . - Yes. However, these "self-dealing" loans are highly scrutinized and require notice to DRE before the transaction is completed. Before a broker, or salesperson acting on behalf of a broker, solicits and accepts funds for the direct or indirect use or benefit of the broker, the broker must submit to DRE a true copy of the Lender/Purchaser Disclosure Statement prior to obtaining the signature of the investor/purchaser. The Lender/Purchaser Disclosure Statement must be accompanied by the brokers statement that the submittal is being made pursuant to Business and Professions Code Section 10231.2. While the broker need not wait for DREs approval of the transaction, the Lender/Purchaser Disclosure Statement must be presented to the investor/lender not less than 24 hours prior to that person becoming obligated to make the loan or purchase the note. The Lender/Purchaser Disclosure Statement must also give a detailed explanation of the intended use of the funds, including an explanation of the nature and extent of the benefits to be derived directly or indirectly by the broker. It is very important to understand that "self-dealing" is not permitted in multiple investor (fractionalized) transactions except under the limited circumstances set forth in Business and Professions Code Section 10229(d)(1). Q . - When engaged in mortgage loan brokering, are there any special trust fund record keeping requirements? A . - Yes. In addition to the trust fund record keeping requirements of the Business and Professions Code that apply to all real estate brokers, mortgage brokers must also maintain quarterly trust fund reconciliations of their trust account on special forms available from the Department. These forms are completed, maintained in the brokers office, and made available upon request to a Department representative for review. The quarterly reconciliation forms are, Trust Fund Status Report ( RE 855) and Trust Fund Bank Account Reconciliation (RE 856) . Q . - Are there specific disclosure statements that must be used by a real estate broker in the mortgage business? A . - Every real estate broker who negotiates a loan to be secured directly or collaterally by a lien on real property shall, within three business days after receipt of a completed written loan application or before the borrower becomes obligated on the note, whichever is earlier, cause to be delivered to the borrower a statement in writing (borrowers disclosure statement), containing all the salient features of the loan to be negotiated by the broker. The statement must be personally signed by the borrower and by the real estate broker negotiating the loan or by a real estate licensee acting for the broker in negotiating the loan. When so executed, an exact copy thereof shall be delivered to the borrower at the time of its execution. A federal Good Faith Estimate (GFE) may also be required in a loan transaction under the Real Estate Settlement Procedures Act (RESPA). The GFE may contain some similar disclosures but it cannot, without modification pursuant to Business and Professions Code Section 10240(c), be a substitute for the disclosure statement required by state law. The state disclosure statement is called the Mortgage Loan Disclosure Statement (MLDS). If a GFE is necessary in the loan transaction, the Department has available a Mortgage Loan Disclosure Statement/Good Faith Estimate (MLDS/GFE). The MLDS/GFE satisfies the state disclosure requirement and the federal GFE requirement. In addition to a disclosure statement for the borrower in a loan transaction, there are lender disclosure statements that a broker may be required to use. Unlike the MLDS or MLDS/GFE which must be provided to a borrower in virtually every loan transaction, the disclosure statement for a lender/investor is limited to private and small pension trust lenders/investors. Lenders/investors such as banks, savings and loan associations, credit unions, and a variety of others need not receive the lender/investor disclosure statement which is called the Lender/Purchaser Disclosure Statement (LPDS). Every real estate broker, in making a solicitation to a private investor and in negotiating with that investor to make a loan secured by real property or to purchase a real property sales contract or a note secured by a deed of trust, is required to deliver to the investor solicited the applicable completed statement as early as practicable before he or she becomes obligated to purchase or make the loan. The statement shall be signed by the prospective lender or purchaser and by the real estate broker, or by a real estate salesperson licensed to the broker, on the brokers behalf. When so executed, an exact copy shall be given to the prospective lender or purchaser. The Department has available three versions of the LPDS, depending on the type of transaction. There are statements for loan origination, sale of an existing note and one for a collateralized loan. Please note that collateralized loans are not permitted in multi-lender transactions. Go to Top of Page Q . - Are there specific rules or laws that pertain to advertising by real estate brokers engaging in mortgage activity? A . - Yes. The law states, in part, that: "No real estate licensee shall knowingly advertise, print, display, publish, distribute, telecast or broadcast, or cause or permit to be advertised, printed, displayed, published, distributed, televised or broadcast, in any manner any statement or representation with regard to the rates, terms, or conditions for making, purchasing or negotiating loans or real property sales contracts which is false, misleading or deceptive." To assist licensees in complying with the law, Commissioners Regulation 2848 sets forth sixteen (16) subsections of "donts" of mortgage loan advertising. Q . - What about those who advertise from outside of California via the Internet? A . - Advertising real estate services on the Internet, including mortgage loan services, is considered solicitation of a California resident when read by a resident of California. Either the out-of-state advertiser on the Internet must be properly licensed in California or the ad must contain a disclaimer to the effect that the ad is not valid in California. The Department has prepared information regarding Internet advertising which is available from any Department district office and is partially reproduced here: Internet Advertising These guidelines have been prepared by the California Department of Real Estate to assist real estate brokers and businesses that are not licensed in California who are considering advertising real estate services on the Internet. If you are not properly licensed in California, you may not solicit California residents. To do so would be considered conducting activity for which a real estate license is required. Because the Internet can be read by anyone in any location, advertising your services on the Internet would be considered soliciting a California resident when read by a resident of this state. If you conduct activity which requires a California real estate license, but you are not a California licensee, you could be subject to administrative sanction such as a Desist and Refrain Order. If you are now conducting, or plan to conduct, the above activity in California, you need to apply for a real estate broker license . If you dont plan to become licensed in California, you should make sure your Internet advertising contains a disclaimer such as the following: "Notice: This offer is valid only in State 1, State 2..." (states wherein you are licensed or authorized to do business). If you are licensed in numerous states, you may want the disclaimer to read: "Notice: This offer is not valid in State 1, State 2..." (states in which you are not licensed or authorized to do business). Q . - Are there some advertising violations that are more often encountered than others? Yes. Some of the more common advertising violations are: Using terms in a comparative or superlative degree to describe any aspect of the business or any terms applicable to loans negotiated by the broker, without setting forth in the ad additional information to render the superlative or comparative terms unambiguous in the context in which they are used. For example, a broker who advertises "FAST LOANS" must also set forth in the ad how "fast is fast" (e.g. "most loans closed in 90 days from application"). A broker who advertises "LOW RATES" should also set forth in the ad what rates are available so that the term "LOW" is actually defined. It should be noted that the Department may require the broker to substantiate any claims made in an ad or require additional qualifiers in the ad to ensure the ad is not misleading to the public. Advertising a specific payment for a loan without including in the ad an equally prominent disclosure of the loans interest rate, APR, principal amount, number, amount and period of payments scheduled to maturity and the balance due at maturity if not a fully amortized loan. Advertising an interest rate without disclosing whether the rate is for first mortgages, junior loans or both. Advertising a loan program with special qualifying restrictions or special requirements without setting forth those requirements or restrictions in the ad. Advertising an interest rate without an equally prominent disclosure of the APR. It should be noted that if a rate appears in an ad without an APR, a disclosure of "APR NOT CALCULATED" is not sufficient. An APR must be disclosed if a rate appears in the ad. In addition to the above examples, which are based on specific subsections of the regulation, phrases and words used in advertising can be misleading in themselves. "No Cost" loans and "No Fee" loans are such words. All real property secured loans have certain inherent costs, such as title insurance, escrow, appraisal, recording fees, etc. These services are bought and paid for by the borrower in all loan transactions. In the cases where a broker arranges a premium priced loan where a lender rebate is used to pay for these services, the services are still performed and the costs incurred. The borrower pays the costs of the services via a higher interest rate than would be available if the borrower paid for the services out-of-pocket. In effect, the borrower finances the closing costs over the entire life of the loan. Although there may be no out-of-pocket costs to the borrower, clearly there are fees and costs involved, contrary to the claims in these ads. Go to Top of Page Q . - I understand something called the "multi-lender rule" was transferred from the California Department of Corporations to the Department of Real Estate. What is this and how may I as a mortgage broker be affected? A . - The Department of Corporations enforces the state securities laws which require that any security in an issuer transaction be qualified prior to sale with certain exemptions. Such an exemption was the "multi-lender rule" (Section 260.105.30) which permitted the sale of interests in notes secured by real property to not more than 10 persons as defined. This "rule" was legislatively transferred by Assembly Bill 754 (Kuykendall) to the Department of Real Estate as Section 10229 of the Business and Professions Code. Any real estate broker (mortgage broker) involved in loan transactions secured by real property where the investors number 10 or less, but more than one, known as fractionalized notes, must notify the Department of Real Estate of the engagement in "multi-lender" activity. Any broker who arranges, sells or services such fractionalized notes must file a Multi-Lender Transaction Notice (RE 860) with the Department within 30 days of the first such transaction. Quarterly, CPA-prepared reports must be filed by any broker who acts as the servicing agent for such notes where the payments due during any period of three consecutive months exceeds $125,000, or the number of persons entitled to payments exceeds 120. The quarterly reports are in addition to the "threshold reports" previously discussed. Section 10229 is very detailed and should be carefully reviewed before becoming involved in multi-lender transactions. Q . - As a mortgage broker, can I collect fees from a borrower to cover certain costs in a loan transaction when a loan application is taken, such as a fee to cover my expenses in processing the application or fees for credit report and appraisal? A . - Fees that are collected by the broker from a borrower prior to the services being rendered are defined as "advance fees." To preclude the inappropriate use of such fees, a broker can only collect "advance fees" if the contract or agreement to do so has been submitted to and approved by the Department in advance of use. This agreement specifically tells a borrower how the "advance fees" are to be used by the broker. The broker must also maintain all "advance fees" in a trust fund bank account and they must be expended only on behalf of the borrower. In addition, whatever other materials the broker might use in collecting "advance fees" must also be submitted to the Department, prior to use, for review and approval. Credit report and appraisal fees, although technically "advance fees" are not considered as such and may be collected without adhering to the prescribed advance fee procedures. These fees are invariably passed to third parties performing the services. They must, however, be maintained in a trust fund bank account and expended appropriately. A broker may not profit from the collection of credit report and appraisal fees. If actual costs are less than collected, the excess must be refunded to the borrower. Q . - I am not licensed as a real estate broker or real estate salesperson and I am only going to assist private parties who wish to sell their notes (secured by real property) for cash to another party (investor), perhaps in another state. Is a real estate license required if I conduct this activity in California? A . - The activity described, so-called note brokering , requires a real estate license if performed in California. This includes the solicitation of California note owners, whether in person, by mail, telephone, or other means of communication. One of the definitions of a real estate broker is: "...a person who, for a compensation or in expectation of a compensation, regardless of the form or time of payment, does or negotiates to do one or more of the following acts for another or others: (e) Sells or offers to sell, buys or offers to buy, or exchanges or offers to exchange a real property sales contract, or a promissory note secured directly or collaterally by a lien on real property or on a business opportunity, and performs services for the holders thereof." There are companies engaged in the discounted purchase of certain mortgages, primarily those carried back by residential sellers and secured by the transferred real property. The companies hold seminars to recruit people to solicit and negotiate the sale of these mortgages. Seminar attendees are informed that they do not need a real estate license to engage in this activity. In California, this is wrong because the activity fits the definition quoted above. Go to Top of Page Q . - Is a real estate licensee in the mortgage business required to show any specific disclosure of his or her license status in an ad? A . - All California real estate licensees, when acting as such, must disclose licensure in advertising. For a broker engaged in mortgage loan activity, the following also applies: "No real estate licensee shall place an advertisement disseminated primarily in this state for a loan unless there is disclosed within the printed text of that advertisement, or the oral text in the case of a radio or television advertisement, the license under which the loan would be made or arranged." A real estate broker must include one of the following disclosures in any mortgage loan advertising: "Real estate broker, California Department of Real Estate" or "California Department of Real Estate, real estate broker." The words "California" and "Department" may be abbreviated as "CA", "CAL" or "CALIF" and "DEPT." In addition to the license and licensing department identifiers, mortgage brokers must include their 8 digit broker license identification number in the ad. In the borrower and lender/purchaser disclosure statements (MLDS and LPDS), a broker must disclose the license identification number and the information telephone number established by the Department that a consumer can call to inquire about the license status of the broker. Q . - Has there been a change in the retention period that brokers are required to keep records? A . - The general rule is that brokers are required to keep records for a three-year period. However, pursuant to Business and Professions Code 10229(e)(1), the investor qualification statement required on a multi-lender loan has a four-year retention period requirement. Also, self-dealing statements, pursuant to Business and Professions Code 10231.2(b), must be retained for four years by the broker. Real estate brokers are not only affected by laws and regulations enforced by the Department of Real Estate, but also many others at both the state and federal level. The foregoing questions and answers are based on the California Business and Professions Code and the Regulations of the Real Estate Commissioner. Real estate brokers should be familiar with the other laws affecting their business. In this regard, they may receive assistance from other enforcement agencies, private legal advisors, and/or professional trade organizations. Office Locations Department of Real Estate Sacramento District Office 2201 Broadway P.O. Box 187000 (mailing address) Sacramento, CA 95818-7000 (916) 227-0770 (Mortgage Loan Section) Fresno District Office 2550 Mariposa Mall, Suite 3070 Fresno, CA 93721-2273 (559) 445-5009 Los Angeles District Office 320 W. 4th Street, Suite 350 Los Angeles, CA 90013-1105 (213) 620-2072 Oakland District Office 1515 Clay Street, Suite 702 Oakland, CA 94612-1462 (510) 622-2552 San Diego District Office 1350 Front Street, Suite 3064 San Diego, CA 92101-3687 (619) 525-4192 Department of Corporations: Sacramento 1515 K Street, Suite 200 Sacramento, CA 95817 (866) ASK-CORP - (866) 275-2677 US Department of Housing and Urban Development (HUD) Regional Office: San Francisco P.O. Box 36003 450 Golden Gate Avenue San Francisco, CA 94102-3448 (415) 436-6550 Federal Trade Commission (FTC) Regional Offices: San Francisco 901 Market Street, #570 San Francisco, CA 94103 (415) 356-5270 Los Angeles 10877 Wilshire Blvd., #700 Los Angeles, CA 90024 (310) 824-4343 Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Tuesday, August 31, 2004
Texas Land 700 West
Jerry Patterson For Texas Land - Community & Social Services - Austin, TX, 78701-2727 - Citysearch 7 BOC Spa & Beauty: 7 days till voting begins -- New to Citysearch? Sign In · Help · Dec 29 2005 Home Restaurants Bars & Clubs Hotels Shopping Spa & Beauty Movies Events See More Categories » Search Business name, category, and/or keyword Search by name only Address, city & state, or zip | Neighborhood Address, city & state, or zip | Neighborhood Address, city & state, or zip | Airport Address, city & state, or zip | Attraction Select a Austin Neighborhood Arboretum Bergstrom Airport Buda CedarPk/Leander Downtown Austin East Austin Georgetown Hill Country Hyde Park Lake Travis North Austin Northeast Austin Northwest Hills Oak Hill Round Rock/Pflugerville San Marcos South Austin Southeast Austin Tarrytown Travis Heights University of Texas - Austin West Austin West Lake Hills Select an Austin Airport Select an Austin Attraction My Locations Add/edit locations Recent Locations Clear recent locations Save to My Citysearch Printer Friendly Version Home · Yellow Pages · Community & Social Services · Political Organizations · Profile Jerry Patterson For Texas Land 700 West Ave Austin, TX 78701-2727 (512) 477-2427 7.6 Overall Popular About our ratings Ratings feedback Send to a Friend Own this business? » Enhance or edit your listing See something wrong? » Suggest a correction Things to do nearby: 700 West Ave Austin, TX 78701-2727 · Restaurants · Hotels · Bars · Movie Theaters · Department Stores · Shopping Centers & Malls · Grocery Stores · Pharmacies · Florists · Banks Related Searches · Austin Community & Social Services · Austin Political Organizations Community & Social Services · Search anything in Austin · Search Yellow Pages in Austin · Search other Cities · Browse Austin Editorial Lists Related Editorial Content Dog-Friendly Austin We've sniffed out the city's best spots for a full day of doggie nirvana. So grab a leash and lap up the fun. Sail On Find a sport on the water that uses your muscles. Downtown Walking Tour The must-dos of downtown. View More » Driving Directions 1. Enter starting address: Address: City: State: Postal Code: 2. Enter destination address: Address: City: State: Postal Code: Options Display type: Text Turn by turn maps with text Avoid the following: Limited access highways Toll Ferry lanes Find A Different Location Enter Location Address: Address: City: State: Postal Code: About Us | Advertise with Us | Contact Us | Press Center | Site Guide | List Your Business on Citysearch | Become an Affiliate | Job Opportunities | Other Cities | Get a Business Website | Submit an Event | Privacy Policy | Terms of Use | Austin Yellow Pages Citysearch is a registered trademark of 720619 Ontario Inc. and is used under license (C) 2005 Citysearch.com All rights reserved. partner sites: Evite - Entertainment.com - Gifts.com - TripAdvisor - ServiceMagic - Ticketmaster - Expedia - Hotels.com - Hotwire - HSN - LendingTree - Match.com - RealEstate.com - ReserveAmerica - Zerodegrees - CondoSaver - ClassicVacations - Ballard Designs - Frontgate - Garnet Hill - Smith+Noble - The Territory Ahead - Travel Smith