Home Equity Conversion Mortgage

Home Equity Conversion Mortgage Program - HUD Housing About Housing Contact us Keywords Single Family Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Home Equity Conversion Mortgage Program Information by State Print version Email this to a friend Summary: The Home Equity Conversion Mortgage program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit. Purpose: The Home Equity Conversion Mortgage Program (HECM) can enable an older home owning family to stay in their home while using some of its built up equity. The program allows such a household to get an insured reverse mortgage-a mortgage that converts equity into income. Because older persons can be vulnerable to fraudulent practices, the program requires that persons receive free reverse mortgage housing counseling from a HUD-approved reverse mortgage counseling agency before applying for a reverse mortgage. FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold. Type of Assistance: HECM can be used by homeowners who are 62 years of age and older. The total income that an owner can receive through HECM is the maximum claim amount, which is calculated with a formula including the age of the owner(s), the interest rate, and the value of the home. For example, on the basis of a loan at recent interest rates, a 65-year-old could borrow up to 26 percent of the home's value, a 75-year-old could borrow up to 39 percent, and an 85-year-old could borrow up to 56 percent. Borrowers may choose one of five payment options: (1) tenure, which gives the borrower a monthly payment from the lender for as long as the borrower lives and continues to occupy the home as a principal residence; (2) term, which gives the borrower monthly payments for a fixed period selected by the borrower; (3) line of credit, which allows the borrower to make withdrawals up to a maximum amount, at times and in amounts of the borrower's choosing; (4) modified tenure, which combines the tenure option with a line of credit; and (5) modified term, which combines the term option with a line of credit. The borrower remains the owner of the home and may sell it and move at any time, keeping the sales proceeds that exceed the mortgage balance. A borrower cannot be forced to sell the home to pay off the mortgage, even if the mortgage balance grows to exceed the value of the property. A HECM loan need not be repaid until the borrower moves, sells, or dies. When the loan must be paid, if it exceeds the value of the property, the borrower (or the heirs) will owe no more than the value of the property. FHA insurance will cover any balance due the lender. Two mortgage insurance premiums are collected to pay for HECM: an up front premium (2 percent of the home's value), which can be financed by the lender, and a monthly premium (which equals 0.5 percent per year of the mortgage balance). The lender's loan origination charge can vary, but only up to $1,800 in such charges may be financed by HECM. Borrowers may be charged appraisal and inspection fees set by HUD; these charges can also be financed. As part of the HECM program, HUD has provided for free reverse mortgage counseling (with training for the counselors) for persons considering using such an instrument, and a toll-free information line (1-888-466-3487). Eligible Grantees: Any lender authorized to make HUD-insured loans- such as banks, mortgage companies, and savings and loan associations-can participate in the HECM program. Eligible Customers: To be eligible for HECM, a homeowner must (1) be 62 years of age or older, (2) have a very low outstanding mortgage balance or own their home free and clear, and (3) have received HUD-approved reverse mortgage counseling to learn about the program. An eligible property must be a principal residence, but it can be a single-family residence, a one- to four-unit building with one unit occupied by the borrower, a manufactured home (mobile home), a unit in an FHA-approved condominium, or a unit in a planned unit development. The property must meet FHA standards, but the owner can pay for repairs using the reverse mortgage. Application: Homeowners who meet the eligibility criteria above can apply through an FHA-approved lending institution, which in turn submits the application to the local HUD Field Office for approval. Borrowers can locate FHA-approved lenders through HUD's searchable listing . Because there has been a problem of some senior citizens being charged thousands of dollars for information on HECM that is available free, HUD recently directed HECM lenders to stop doing business with companies that charge such fees. Funding Status: In FY 1996, the HECM program insured 3,604 homes with a value of $369 million. Through September 30, 1996, approximately 16,000 HECM loans had been made. Technical Guidance: TECHNICAL GUIDANCE: This program is authorized by the Housing and Community Development Act of 1987, Section 417, Public Law 100-242 (12 U.S.C. 1715z-20). Program regulations are in 24 CFR 200 and 206. This program is administered by the Office of Single-Family Housing in HUD's Office of Housing-Federal Housing Administration. For More Information: Homeowners who want to learn more about this program, or who were charged for HUD approved reverse mortgage counseling should call HUD's toll-free housing counseling information line, 1-800 569-4287 or see the searchable list of HUD approved reverse mortgage housing counseling agencies or call 1-888-466-3487. Additional information is available from two nonprofit organizations: the American Association of Retired Persons' (AARP) Home Equity Conversion Information Center (202-434-6044) and the National Center for Home Equity Conversion (NCHEC) at 7373 147th St., Room 115, Apple Valley MN 55124. Content updated April 26, 2002 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

Real Estate Prices

MONEY Magazine: Your Home 2005: The 100 Major Markets - Jun. 1, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | The 100 Major Markets While currently hot real estate markets may cool, don't look for many outright losers just yet. June 1, 2005: 7:01 PM EDT More real estate • Pros and cons of interest-only mortgages • How much house can you afford? NEW YORK (MONEY Magazine) - Home prices across the country will likely keep rising over the next year. While many hot markets on both coasts could see a dramatic slowdown in their growth rates, the forecasters at housing research firm Case Shiller Weiss aren't predicting outright losers anywhere. Nationally, home values climbed 14 percent last year, or nearly double the 8 percent of 2003, when the bubble talk began in earnest. Prices are up 20 percent or more in some coastal cities, putting homes out of reach for many. In Los Angeles, for example, just 5 percent of homes sell at prices affordable to a median-income local family. Don't panic just yet, though. Any pop is unlikely to be nearly as severe as what can happen in the stock market. Local markets can drop 10 to 20 percent, but that's about as bad as it usually gets. And a crash is merely a paper loss as long as you don't need to move. Meanwhile, you get a roof over your head and, with a little luck, nice neighbors and good public schools too. Metro area Median home price 5yr change in avg home price Growth forecast to June 2006 United States $190,000 65.1% 7.1% New York/Northern New Jersey/Long Island/Connecticut    New York City $435,000 91.2% 12.6%    Nassau/Suffolk, N.Y. $440,000 92.1% 11.6%    Newark $330,000 79.0% 11.4%    Bergen/Passaic, N.J. $390,000 81.9% 11.3%    Middlesex/Somerset/Hunterdon, N.J. $318,000 87.4% 11.1%    Monmouth/Ocean, N.J. $328,000 97.0% 11.3%    Jersey City $300,000 114.2% N.A.    New Haven/Bridgeport/Stamford/Waterbury/Danbury $335,000 69.7% 9.0%    Trenton $230,000 83.4% 11.0% Los Angeles/Riverside/Orange County    Los Angeles/Long Beach $442,000 122.3% 5.0%    Riverside/San Bernardino, Calif. $329,000 137.3% 4.5%    Orange County, Calif. $610,000 126.3% 6.8%    Ventura, Calif. $550,000 122.6% 5.8% Chicago $254,000 49.6% 8.6% Washington/Baltimore    Washington $385,000 107.4% 13.9%    Baltimore $140,000 85.3% 14.2% San Francisco/Oakland/San Jose    Oakland $535,000 96.3% 13.3%    San Francisco $750,000 67.7% 13.6%    San Jose $619,000 63.0% 13.9%    Vallejo/Fairfield/Napa, Calif. $449,000 125.1% 13.8%    Santa Rosa, Calif. $500,000 107.8% 13.2%    Santa Cruz/Watsonville, Calif. $599,000 86.2% 13.0% Boston/Worcester/Lawrence/Lowell/Brockton $339,000 73.6% 8.0% Dallas/Fort Worth    Dallas $137,000 23.1% N.A.    Fort Worth/Arlington N.A. 23.5% N.A. Philadelphia/Wilmington/Atlantic City    Philadelphia $180,000 71.0% 11.7%    Atlantic/Cape May, N.J. $249,000 112.6% 9.4% Detroit/Ann Arbor/Flint    Detroit $160,000 24.3% 4.3%    Ann Arbor $225,000 28.1% 1.2% Houston $136,000 25.2% N.A. Atlanta $188,000 25.2% 6.4% Miami/Fort Lauderdale    Miami $240,000 106.1% 15.3%    Fort Lauderdale $257,000 105.8% 16.3% Phoenix/Mesa $190,000 53.1% 17.7% Seattle/Tacoma/Bremerton    Seattle/Bellevue/Everett $315,000 38.1% 9.1%    Tacoma, Wash. $212,000 36.9% 4.2% Minneapolis/St. Paul $225,000 63.2% 7.4% Cleveland/Akron    Cleveland/Lorain/Elyria $153,000 20.0% 4.3%    Akron $148,000 17.5% 0.7% San Diego $554,000 138.3% 5.9% St. Louis $129,000 38.1% N.A. Tampa/St. Petersburg/Clearwater $172,000 70.8% 14.7% Pittsburgh $108,000 31.1% N.A. Denver $250,000 33.3% 6.0% Cincinnati/Hamilton    Cincinnati $172,000 18.9% 4.0%    Hamilton/Middletown, Ohio $182,000 20.5% 3.2% Portland, Ore./Vancouver $226,000 36.6% 9.8% Sacramento/Yolo    Sacramento $376,000 131.1% 17.1%    Yolo, Calif. $379,000 140.9% 17.4% Kansas City, Mo. $149,000 30.8% N.A. Orlando $195,000 60.6% 14.3% Indianapolis $113,000 18.8% N.A. San Antonio $123,000 24.8% N.A. Norfolk/Virginia Beach/Newport News $168,000 60.9% N.A. Las Vegas $285,000 107.0% N.A. Columbus, Ohio $172,000 22.7% 3.7% Milwaukee/Waukesha $199,000 40.5% N.A. Charlotte/Gastonia/Rock Hill, N.C. N.A. 19.1% N.A. Salt Lake City/Ogden $155,000 -0.2% 0.0% Austin/San Marcos $151,000 24.9% N.A. Nashville $139,000 19.3% 6.4% Providence/Warwick/Pawtucket $257,000 111.7% 17.7% Raleigh/Durham $186,000 18.9% N.A. Hartford $228,000 54.1% 8.9% Buffalo/Niagara Falls $95,000 27.00% N.A. Memphis $126,000 11.5% 3.2% West Palm Beach/Boca Raton, Fla. $282,000 98.0% 21.0% Jacksonville, Fla. $154,000 57.4% N.A. Dayton/Springfield, Ohio $135,000 15.1% 0.3% Fresno $243,000 129.1% N.A. Tucson $179,000 46.6% 8.5% Albuquerque $146,000 13.3% 1.4% Knoxville $121,000 27.3% 7.0% Bakersfield, Calif. $195,000 114.1% N.A. Toledo $124,000 19.7% 0.6% Youngstown/Warren, Ohio $90,000 15.0% 1.8% Springfield, Mass. $182,000 64.1% 10.5% Sarasota/Bradenton $229,000 83.5% 17.0% Stockton/Lodi, Calif. $370,000 126.9% 21.8% Daytona Beach, Fla. $153,000 79.9% 22.0% Lakeland/Winter Haven, Fla. $133,000 46.5% 9.8% Johnson City/Kingsport/Bristol (Tenn./Va.) $90,000 16.2% 4.8% Lansing/East Lansing $134,000 33.0% 2.9% Modesto, Calif. $305,000 140.5% 15.2% Fort Myers/Cape Coral, Fla. $124,000 92.1% 15.1% Canton/Massillon, Ohio $129,000 16.7% 2.2% Salinas, Calif. $526,000 136.2% N.A. Santa Barbara/Santa Maria/Lompoc $445,000 147.9% N.A. Visalia/Tulare/Porterville, Calif. $190,000 86.1% N.A. Fort Pierce/Port St. Lucie, Fla. $280,000 99.8% 13.7% New London/Norwich, Conn. $226,000 71.9% 6.3% Naples, Fla. $300,000 109.3% 22.4% San Luis Obispo/Atascadero/Paso Robles, Calif. $475,000 137.7% 11.3% Merced, Calif. $270,000 126.2% 16.6% Clarksville/Hopkinsville (Tenn./Ky.) $95,000 15.3% 4.2% Chico/Paradise, Calif. $250,000 119.6% 15.2% Burlington, Vt. $226,000 62.7% 7.8% Barnstable/Yarmouth, Mass. $369,000 115.7% 5.6% Punta Gorda, Fla. $154,000 98.1% 17.5% Pittsfield, Mass. $165,000 57.8% 11.1% NOTES: Data as of 2004 unless otherwise noted. N.A.: Not applicable or not available. SOURCES: Fiserv CSW, U.S. Census Bureau, U.S. Department of Housing and Development, National Association of Realtors. «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 YOUR E-MAIL ALERTS Real Estate or Create your own Manage alerts | What is this?

buy House of The

Amazon.com: House Of The Dead 2: Computer & Video Games Your Store Computer & Video Games See All 32 Product Categories   Your Account | Cart | Wish List | Help | browse by system | top sellers | new & future releases | kids & family | game hardware | outlet Search Amazon.com Video Games Used Video Games Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . ITEM INFORMATION Explore this item buying info accessories product description customer reviews See more by this manufacturer Sega of America, Inc. 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 RATE THIS ITEM I dislike it I love it! 1 2 3 4 5 Edit your ratings 7 used & new from $12.95 A9.com users save 1.57% on Amazon. Learn how . Have one to sell? House Of The Dead 2 Other products by Sega of America, Inc. Platform: Sega Dreamcast Availability: Available from these sellers . 7 used & new from $12.95 ESRB Rating: Mature (Content suitable for ages 17 or older.) See more pictures | Accessories Note to Customers: Gore, Horror, Mature Content, Realistic Violence (what this means) Features: Blow away killer zombies 6 levels of intense shooting action Based on the smash arcade shooter Branching levels and storyline Use a lightgun (sold separately) for maximum blasting Amazon.com Sales Rank: Today: #4,737 in Computer & Video Games , #16,632 in Electronics Yesterday: #3,699 in Computer & Video Games , #12,400 in Electronics Manufacturer's age: 17 years and up Shipping: Currently, item can be shipped only within the U.S. ASIN: B00000K4BU Item model number: 51002 Dimensions: 5.50 inches x 0.50 inches x 5.00 inches Date first available at Amazon: August 15, 2000 Average Customer Review: Based on 100 reviews. Write a review . Customers who bought this itemalso bought these items: Zombie Revenge by Sega of America, Inc. Sega Dreamcast Console by Sega of America, Inc. Jet Grind Radio by Sega of America, Inc. Resident Evil:Code Name Veronica by Capcom Explore Similar Items : 19 in Computer & Video Games What similar items do customers ultimately buy after viewing this item? 34% buy The House of the Dead III by Sega of America, Inc. 23% buy Evil Dead: Hail to the King by THQ 21% buy this item(House Of The Dead 2by Sega of America, Inc. 7% buy House of The Dead by Sega of America, Inc. 1% buy SEGA House of the Dead 2 by Activision Explore Similar Items : 9 in Computer & Video Games Product Description Editorial Review Direct from the arcades to the Dreamcast, Sega has a sure-fire smash on its hands with this near arcade-quality translation of popular zombie shooter House of the Dead 2 . Most fast-action gaming fans will immediately dive into the basic premise of this game: shoot and destroy the zombies that have invaded the creepy haunt known as the Curien Mansion. For what it's worth, however, House of the Dead 2 does contain a pretty intriguing plot that moves beyond the simplistic point-and-shoot genre. In addition to the fast-moving action, there are several subplots that shed light on the darker secrets lurking within this eerie, zombie-infested environment. Gameplay can be set to accommodate several skill levels, including easy, medium, and hard game settings. Even if you manage to master this game, there are several alternative plot and game paths that will keep you coming back for more. Your shooting patterns and on-screen actions will determine the plot path and gaming areas that you can explore. Skilled shooters and well-trained zombie slayers will be rewarded with secret game areas and unusual plot twists. By saving the lives of innocent bystanders, you will usually be able to take a shorter path to the end of the game level. In addition, you'll often gain health bonuses that enable you to play longer. If you complete the game without allowing any hostages to die, you'll even unlock a secret bonus room. A few years ago, Sega disappointed some hardcore fans with its less-than-perfect home translation of the original House of the Dead game. With House of the Dead 2 , Sega has fully redeemed itself. The Dreamcast is the only home game system with the processing power to do the arcade game justice--and it shows. We just about drooled over the graphics, which have to be seen to be believed. The home version even expands beyond the arcade gameplay with exclusive new levels, including a training mode that helps you practice your shooting skills before you enter the game. There are also several never-before-seen secret game areas that were developed exclusively for the Dreamcast. The only disappointment here is Sega's decision not to include the light gun accessory with this title. You can play with a basic Dreamcast controller, but the game was designed with the light gun in mind. Without a light blaster, it's just not as fun. It's a good thing that third-party companies, such as InterAct, are already offering light guns that are compatible with the Dreamcast. We highly recommend purchasing this separately sold light gun accessory; it makes the game infinitely more enjoyable and, frankly, some of the harder areas of the game are almost impossible to beat without it. --Brett Atwood Pros: Near perfect arcade-to-home translation Multiplayer support with a second Dreamcast controller or light gun (sold separately) Exclusive levels developed only for the Dreamcast Multiple game paths Cons: Gameplay suffers without optional light gun accessory GameSpot Review The often-used phrase "Virtua Cop meets Resident Evil" doesn't quite do Sega's zombie-blasting arcade gun-game series justice, but it's certainly close enough to give you the general idea of what the House of the Dead series is all about. In it, you're part of a government agency in charge of stopping the machinations of the nefarious and incredibly monotone Goldman, a suit-wearing evil mastermind intent on wiping out the human race with his monster hordes for reasons that never really quite... read more See all product description... Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: The Best Zombie shooter! , May 3, 2000 Reviewer: A. Griffiths "Adrian" (London)- See all my reviews There still aren't that many Dreamcast games out than can be called "must-haves", but "House Of The Dead 2" is definitely one of them. But do you need the gun to play it? YES! Otherwise, it will be nowhere near as much fun and almost impossible to beat it, as the monsters are often zipping all over the screen at great speed. The game is extrememly hard anyway, even set on the "very easy" level (!), and the first few times you play it you will be killed long before the final battle, but the game would be over far too quickly if it were easy. The feel good factor from final victory, however, is always worth waiting for. Every aspect of the graphics is fantastic, the zombies are incredibly detailed, especially in close up, and the backgrounds are beautifully realised. Replay value comes from the many different paths you can take through the zombie-infested town. These paths depend on the speed and accuracy of your shooting, and you will enjoy replaying the game to try and hit those tricky targets, and save the innocent civilians, some of which are extremely difficult to rescue. Also added is "Original Mode" in which you build up a store of power-ups and life-ups, and even some bizarre different weapons and character-modifiers that appear in secret spots in the course of the game. You really need a VMU for this mode, although you can enjoy the arcade game without one (there are no save points during gameplay). Add to this the training exercises, and you have an arcade experience that is not only transported identically into your living room, but also enhanced with many extras! The game is above all fun to play, as it requires no serious investment of time or thought. You can pick it up at any time, and start blasting the undead! Was this review helpful to you? ( Report this ) Dreamcast classic , January 20, 2002 Reviewer: N. Durham "Big Evil" (Reading, PA)- See all my reviews One of the first games released for the Dreamcast, House of the Dead 2 is an instant classic. The game is identical to the arcade smash with the inclusion of exclusive Dreamcast levels, and the graphics and detailed zombies will leave your mouth watering. The voice acting is pretty bad though, making the voice acting from the first Resident Evil look like Shakespearian acting, but that is overlooked by the shoot 'em up action. A light gun is strongly recommended, but the standard DC controler works just as well, somewhat. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 2 people found the following review helpful: Not perfect but fun , October 9, 2004 A Kid's Review I only have this because I have Xbox's House of the Dead 3.The House of the Dead 3 is better.Better graphics,effects,blood,gore,and options.I'd reccomend that one more.But if you are more pleased with House of the dead 2 and only have an Xbox then get House of the Dead 3,beat it,and go to The House of the Dead 2.There,you start at The House of the Dead 3 and go back in time in a time machine until you reach the year 2000. Was this review helpful to you? ( Report this ) A very good Classic Horror Shooter , July 16, 2004 Reviewer: A gamer This game is pure fun. It is a must own shooter for all people who own a Dreamcast. I am dissapointed that Sega has stopped its bussiness in the gamming industry. Anyways, this shooter packs non-stop zombie blastin' action. But get this first, if you buy this game, get a lightgun. The dude with the lightgun is the king, the one without is zombie chow. I also like the way you can blow off individual body parts. Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! The story for this game is pretty good. The bad guy in it is cool.. The bosses are loads of fun. House of the Dead II is one of the best gun games you can find for a system. The zombies in these are cool. Any part of there body you shoot one part of them gets blown. This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) A must own for DreamCast Owners every were! , July 7, 2004 Reviewer: Robert evans (USA)- See all my reviews HOFD2 Is Awesome. It's very violent and gory which is why I love it. It was a very popular game when it came to the arcades but now you can play this blessing game any time you want at your own home! This is one of Dream cast strong holds before it lost it's popularity in the US. This game is excelent for DreamCast owners... Other games of choice Sonic Adventure Sword of Berserk Spawn:In the demons hand Soul Calibur If you have a DC go out and get this game. It rocks! Later Was this review helpful to you? ( Report this ) See all 100 customer reviews... So You'd Like To... play some quality games on a forgotten console... :by Ughsassin , Casual Gamer and DReamcast Enthusiast get a Dreamcast :by David , video game fanatic Know About The Best System :by Scott Duft , Person Who Likes Games Listmania! Dreamcast Games You Can"t Go Wrong With :A list by J. Clark , I play games too often Games No Self Respecting Sega Gamer Should Be Without :A list by sega@innernet.net , 10 Year Sega Fan/Supporter My favorite games (All platforms) :A list by Alex Kain , 16 year old gamer Browse for Computer & Video Games Systems > More Systems > Sega Dreamcast > All Games Systems > More Systems > Sega Dreamcast > Action > Horror Systems > More Systems > Sega Dreamcast > Action > Shooter Systems > More Systems > Sega Dreamcast > Action 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. 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Real Estate Loan

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If you are interested in purchasing an auto dialer then click to this page. Loan Information Property Value: Occupancy: Select One Primary Residence 2nd Home Investment Property Property Type: Select One Single Family Residence Condo Townhome/PUD Duplex or Multi-Unit Will You Have A Co-Borrower? Yes No Monthly Debt: Your Credit: Select One Excellent Good Fair to Good Fair to Below Average Bad Bad with Bankruptcy Monthly Income: I can verify this income through either past 2 years W-2's, past 2 years Tax Returns, or past 12 months Bank Statements. I choose not to verify this income and prefer a 'Stated Income' option. For Refinance and Home Equity Loans Current Loan Amount: Current Interest Rate: Fixed Rate or Adjustable? Any Cash Out? Is this strictly a 2nd mortgage? For Purchases and Prequalification Amount Available for Downpayment: If you prefer a 'Zero Down' option, what is the amount of your total liquid assets (savings, 401k, stocks, etc): If this is a Prequalification, what is your maximum desired monthly payment? Area Interested in Purchasing: Are you working with a Realtor? Yes No Find Out How To Beat The Banks -Read Below For Details... "The service was great and so was my rate!There weren't any hassles at all - they listenedto my concerns, answered all of my questions,plus I got a better rate than I expected." Thanks again, G. Frederickson POINTS EXPLAINED What are points and when,if ever, does it make senseto pay them? FEES EXPLAINED What are the 'real' costs ofmy California Mortgage? This will help explainexactly where your money is going - and where it shouldn't be going... Mortgage Programs Explained... Fixed Rate Mortgage What does the term 'Fixed Rate' specifically mean and what are the benefits of having a Fixed Rate Mortgage? Balloon Mortgage What is a Balloon Mortgage? When would it make sense for you? Adjustable Rate Mortgage Also known as ARM's or Variable Rate Mortgage. Explains advantages, common terms; what is a Negative Amortization Mortgage (Neg-Am); includes an 'Index Table' that explains Prime Rate, CODI, COFI, CMT, MTA, and LIBOR. Home Equity Loan - 2nd Mortgage Explains the difference between a Home Equity Loan (Home Equity Line of Credit or 'HELOC') and a 2nd Mortgage, as well as which may be best for you. FHA - VA Mortgage Covers government sponsored programs and their benefits. Includes FHA, VA, Cal Vet, as well as other state specific and local programs. Documentation Options What are the differences between Full Documentation (full doc), Limited Documentation (Limited Doc or 'Lite Doc'), Stated Income and 'No Income No Asset' (NINA) programs? How Can We Help You 'Beat The Banks'? It's simple: click on any of the banks listed to the right andwe will package your California Mortgage Loan with that bank according to theloan program of your choice - but we'll beat their published rate by .25% and won't charge you any more than the fees that particular bank normally charges. Click here for details or click on the bank of your choice to get started. Mortgage Calculators Mortgage Payment Compare Current Mortgageto New Mortgage Offer Compare Up To 4 Mortgage Programs Call Today For A FREE QUOTE 1-888-835-0761 Beat The Banks!!! Bank of America Washington Mutual Countrywide Wells Fargo Greenpoint Chase New Century GMAC National City © 2005 123Refi.net

Texas Land

Texas Veterans Land Board In Texas, call us Toll Free:1-800-252-VETS (8387) Outside Texas? Call 1-512-463-5060 (long distance charges apply) (PDF) -- • State Veterans Home Resident Awarded Bronze Star (PDF) • VLB is accepting nominations for naming the Texas State Veterans Home being built in Amarillo. Read the Press Release (PDF) and the Policy for Naming Texas State Veterans Homes ( Word2000 ) ( PDF ) and complete the Nomination Form ( Word2000 ) ( PDF ) • Corpus Christi awarded next Texas State Veterans Cemetery (PDF) • The Results of the October 25, 2005, FLS are now available on-line (PDF) • Watch the archived edition of the October 25, 2005, FLS Web cast • First Texas State Veterans Cemetery dedicated in Killeen (PDF) • Central Texas State Veterans Cemetery Dedication Information • James Baker III to help dedicate first Texas State Veterans Cemetery (PDF) • Rio Grande Valley State Veterans Cemetery Groundbreaking Information • Work begins on Valley's first Texas State Veterans Cemetery (PDF) The October Type I Forfeited Land Sale Handbooks are now available online (PDF) -- • Chairman Patterson visits veterans in Iraq • VLB Board Member, Mike Ussery, passes away after attending the dedication of the Texas State Veterans Home in McAllen, scheduled to open July 1, 2005. (PDF) • "Where Honor Lives" • "Voices of Veterans" Oral History Program • "Defending Freedom" A new TV Announcement honoring Texas Veterans from 1836 to today. Play Video 60 seconds High | Low Play Video 30 seconds High | Low Broadcaster Information (PDF) • Texas Veterans Voice Fall 2005 Veterans Voice Newsletter (PDF) Archived Editions of the Veterans Voice Newsletter • Media and Press Releases • Financial help available for activated Texas Reservists and National Guard members (PDF) ATTENTION-Loan Program Changes!!! VLB Land Loan maximum now $60,000. Land Loan now available for one-acre tracts. VHAP Changes Effective March 4, 2005: New-Construction housing loans must meet the U.S. Environmental Protection Agency's Energy Star ® rating as an energy efficient home. The Greenbuilding and Troops to Teachers Programs will no longer be available. The interest rate discounts previously associated with these programs will be re-directed to reducing the overall base rate for the Housing and Home Improvement Programs. The veterans with Disabilities Program discount will be available only to veterans with a VA compensable disability rated at 50% or higher. • Federal legislation filed to end discrimination in veteran loan eligibility • Convert your semiannual land loan payments to monthly payments (PDF) Message from Chairman Patterson Chairman Jerry Patterson Speaks to Veterans About the Veterans Land Board. (run time: 10:15) Play Video High | Low Land Loan Account Status Free Public Seminars and Educational Events • For Veterans • For Lenders • For Real Estate Professionals--view our upcoming events . Contact your nearest Outreach office for training opportunities. Registration for Veterans, Real Estate Professionals, and VLB Participating Lenders • Registration for Veterans to receive VLB program updates • Registration for Real Estate Professionals to receive VLB program updates • Web listing updates for VLB Participating Lenders Veterans' Resources • The National Personnel Records Center (NPRC) now accepting requests for some military records via the Internet • The Texas Veterans Commission (TVC) for information on VA benefits Laws and Rules • Laws and Rules PDF Files require the free Adobe Acrobat reader. Video media require the free Real Player . Privacy Policy Links/Accessibility Policy For our customers who are hearing impaired: The VLB TDD number is (512) 463-6367 or contact any of our program areas through Relay Texas at 1-800-735-2988. For more information, contact us .