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

Home Mortgage

Refinance Mortgage, Home Loan, Home Equity, Home Purchase, Debt Consolidation - LowerMyBills Loans Home Refinance Loan Home Equity Loan Debt Consolidation Loan Home Purchase Loan Commercial Mortgage Automobile Loan Find a Real Estate Agent Debt DebtWizard Debt Consolidation Loan Online BillPay Login Take the Tour Insurance Automobile Insurance Life Insurance Health Insurance Homeowner's Insurance Renter's Insurance Credit Credit Cards Free Credit Report & Score Phone & Internet Cellular Phone Long Distance Service Internet Access Satellite Select One Home Refinance Home Purchase Home Equity Debt Consolidation Property State Select One 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 Home Description Single Family Multi-Family Condominium Townhouse Mobile Home Manufactured Home Your Credit Profile Excellent Good Fair Needs Improvement Poor Enter Your Email Address & Receive Our FREE Newsletter Full of Savings Tips and Special Offers Tips & Advice Browse over 200 FREE financial tips . Definitions Expert Answers Financial Tools How-To Advice LowerMyBills in the Media Calculators Home Refinance Calculators Home Equity Calculators Debt Consolidation Calculators Home Purchase Calculators (WEB06-C) (Q-1) (T-1850) (P-1336) (S-1)

Sell House

Tips for Selling Your Home Getting Your House Ready To Sell | Home Page | Search Our Listings | Tips for Selling | Why Advertise | List Your Home | Links | Enter Keyword Here These are tips that won't cost a lot but can make a big difference on the appearance of your home. It is amazing how just a little attention to the details will add that special appeal that the buyer is looking for! Pre-listing Inspection. Having your home inspected by a professional home inspector before you list is a recommendation from Dennis DiVito of Apex Home Inspections, LLC . Eventually your buyers are going to conduct a home inspection. You may as well know what they are going to find by getting there first. Having an inspection performed ahead of time helps in many other ways: It allows you to see your home through the eyes of a critical third-party. It helps you to price your home realistically. It permits you to make repairs ahead of time so that ... Defects won't become negotiating stumbling blocks later. You have the time to get reasonably priced contractors or make the repairs yourself, if you are qualified. It may encourage the buyer to waive the inspection contingency. It may alert you of items of immediate personal concern, such as radon gas or active termite infestation (not all inspectors offer these extra services, you can check for radon yourself). It may relieve buying prospect's concerns and suspicions. It reduces your liability by adding professional supporting documentation to your disclosure statement. Alerting you to immediate safety issues before agents and visitors tour your home. Copies of the inspection report along with receipts for any repairs should be made available to potential buyers. Be sure the inspector you use is insured and licensed or certified (if your state requires) or at least belongs to a professional organization such as NACHI, ASHI, NIBI. You can find an inspector nationwide at FindanInspector.us Clean up the outside. Curb appeal is the first impression of your house. Keeping the grass cut and the area tidy will help make a great first impression. Paint or wash the exterior of the house (including window casings, shutters, and doors). Wash the windows inside and out. Check the gutters and chimney. Touch up the interior. Put a fresh coat of paint in the most used areas of the home. This will clean as well as brighten up the rooms. Wash the walls where paint is not appropriate (i.e. wall paper, paneling). Wash all floors and bathroom tiles. Shampoo dirty carpets. Get rid of clutter. Clean out your closets, garage, basement and attic. Use self storage if necessary. Replacing air filters will help keep the dust down. Replace bathroom and kitchen fixtures that are worn or leaking. People will notice a leaking or worn-out faucet. By replacing these items, you will give a new look to the room. Clean under the sinks. If there is any leaks fix them. Then clean up the damage using contact paper or paint. Get rid of any bad smells in your home. Pay attention to pet or cigarette odors. Place scented potpourri around the house. On the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls or home-made bread into the oven for a great aroma. Use a title company to handle the closing. A title company can handle the title search and paper work for a very small fee. It is well worth the cost. Other Great Resources FSBO How-To is a complete do-it-yourself home selling guide. Sell without an agent and save thousands. Click Here for the "FSBO How-To" eBook! Becoming A Fsbo-For Sale By Owner - A guide for the preparation and sale of your home. The Bowen Family Homes commitment to the American family is unprecedented in the building industry, from our architectural designs and choice of community locations to our exceptional home warranties. Having a new house built? Get involved in the building process of your home! - HOMEBUYER FRIENDLY system provides you with a step by step guide to self-inspection of your new home or addition. Electronic Appraiser's Online Article: Our first article is geared towards sellers who are listing their home with an agent . The article focuses on why its important for a home owner to know the value of their property prior to letting the selling agent set the asking price. Electronic Appraiser's Online Article: The next article was written for consumers who are taking the FSBO Challenge and are trying to sell their homes on their own. It highlights how an automated valuation report can provide them with valuable information they need when putting their home on the market. Electronic Appraiser's Online Article: The third article is geared towards home buyers. No one likes to pay too much for a property and the article explains how home buyers can have added negotiating power when they bring our product to the negotiation table. Home Loan Refinancing from Mortgage Research Center Local Rate Source - Get up to 4 quotes from local lenders! Get a Low Interest Home Loan Free Home Equity Loan Quotes Download quality real estate forms designed by attorneys. Click here! Home Sales Packages - Legal Forms for Home Sales and Contract of Sales Downloadable Legal and Business Forms Buying or Selling? Find Out Whats Worth! ElectronicAppraisers online Home Valuation reports, give instant accurate results. Get Your Home's Value Plan To Sell A Home? Compare REALTORs first! REALTORS- More leads = more $$$$. Get leads now! Save on REALTOR Fees. Let listing agents compete for your business! Review REALTORS Anonymously Guaranteed lowest cost Home Equity Loans Improvements Catalog Improvements Newsletter We have found a great web site that provides insider's information to help you avoid the many potential pitfalls of having a new home built. Click here to visit Home Building Pitfalls Search for homes from $10,000 at Bargain.com ! New members search FREE! Click here for Bargain.com ! House n Home Building Cost Guide - House n home building provides a guide to build your home, house construction cost guide, new residential and will save your thousands. Post Your FREE Resume Today to attract top employers! Save $50.00 and fill a job fast on Monster.com! Saving for College with Upromise is Easy! Square Footage: Bedrooms: Bathrooms: min: 0 1000 1250 1500 1750 2000 2250 2500 2750 3000 3250 3500 3750 4000 4500 5000 6000 7500 1 2 3 4 5+ 1 1-2 2-3 3+ max: 0 1000 1250 1500 1750 2000 2250 2500 2750 3000 3250 3500 3750 4000 4500 5000 6000 7500 7500+ | Home Page | Search Our Listings | Tips for Selling | Why Advertise | List Your Home | Links | Visitors to This Page Since December 16, 2001: Free counters provided by Andale . For comments on this page please contact the Webmaster for Sold By Owner. All rights reserved. Disclaimer: Sold By Owner does NOT sell real estate. Sold By Owner only provides space for advertising homes that are being sold by the property owner. All information provided is deemed reliable but is not guaranteed and should be independently verified.

Investment Property

Australian Investment Properties ... Many of Australias Best - Right Here! Click on the photograph of the property you wish to view. Scroll down to view all of the properties. 250E Luxury apartments due to be completed November 2002: Melbourne CBD, Victoria. Singularly the most centrally located CBD residential property in Melbourne is 250e. Absolute CBD. Right in the heart of the city, it is absolute CBD. There is no other property that can touch it for location and potential investment value. new Arcadia Grove Stage 1 Townhouses and Apartments due to be completed July 2003: East Hawthorn, Victoria. Arcadia Grove offers brand new homes with all features Hawthorn lovers love best. Beautiful garden townhouses and apartments of 1, 2 and 3 bedrooms, are set among leafy streets that lead into a central urban oasis of parkland. Boulevard 610 Luxury apartments due to be completed June 2002: Melbourne, Victoria. From the tranquility of Albert Park Lake to the colour and excitement of St Kilda & Chapel Street, the Boulevard's spectacular location is at the centre of everything. new i.d. Luxury apartments due to be completed October 2003: Port Melbourne, Victoria. i.d. sees the redevelopment of the Joshua Brothers Distillery site in Port Melbourne. The apartments are designed around a courtyard space, with pool and recreation areas and a mix of landscaped surfaces, palms and lush planting. new Pacific International Apartments Melbourne Serviced apartments due to be completed January 2003: Melbourne, Victoria. Overlooking Collins Street and the Yarra, Pacific International Apartments, offers fully furnished and superbly decorated one and two bedroom hotel apartments and hotel suite apartments. Philadelphia Luxury Apartments now completed: Melbourne, Victoria. Located in the residential Golden Mile of Melbourne opposite the beautiful Treasury Gardens. Scala Luxury apartments due to be completed October 2002: Melbourne, Victoria. A sophisticated inner city apartment building, Scala Apartments, Lakeside offer stunning views and an exceptional level of refinement. With 107 apartments, Scala offers you the choice of 1, 2 or 3 bedrooms with some apartments incorporating a study. new Tribeca Luxury apartments due to be completed May 2005: East Melbourne, Victoria. Tribeca East Melbourne will be a development of unsurpassed quality, fusing contemporary architectural design with the existing heritage structures of the Victoria Brewery site. new Westway Apartments Luxury apartments due to be completed October 2003: Maribyrnong, Victoria. Westway offers 67 magnificent luxury style two and three bedroom apartments & townhouses only 5km from the CBD. Close to all amenities such as child care centres, shopping centres, Maribyrnong River, parklands and Universities, Westway is sure to create a lifestyle within its self. new Linc Stage 2 Luxury apartments due to be completed November 2003: Alexandria, New South Wales . Architecturally designed with a choice between live/work apartments, studios, one or two bedroom apartments, Linc is the perfect location for easy living. Ellington Luxury apartments due to be completed August 2002: Tenneriffe, Queensland. Ellington comprises three separate buildings encircling extensive recreation areas and tree lined pedestrian walkways. Set amongst extensive landscaping, incorporating lap pool and barbecue areas, Ellington will provide a green oasis, a tranquil retreat shielding the residents from the hustle and bustle, yet still its just a few minutes from the heart of the action. Last Few Horizons Luxury apartments now completed: New Farm, Queensland. Overlooking the New Farm Park and Brisbane River, Horizons consists of twelve luxury ensuited apartments and two villa, executive residences. The development features a pool and B.B.Q area, north-facing and park views, has lift access to all levels, on-site management and massive entertainment balconies. new Alpha G Luxury apartments due to be completed February 2003: Waterloo, New South Wales. Alpha G is a unique development of 75 space age apartments which will be built on top of a futuristic commercial office space and modern showroom complex. The building features sun shading to the east and west, air conditioning, undercover parking and an entry level cafe. Apex Apartments Luxury apartments due to be completed September 2001: North Sydney, New South Wales. Located centrally in Berry Street North Sydney, Apex offers 77 luxury apartments with security undercover parking, swimming pool and gymnasium. Last Few Balmain Shores Stage 3 Luxury apartments due to be completed December 2002: Iron Cove, New South Wales. Idyllic environment with 340 metres of water frontage in the historic Balmain area, just four kilometres from the Sydney CBD. Balmain Shores Stage 4 Luxury Terraces Apartments due to be completed December 2002: Rozelle, New South Wales. Inspired by the historic architecture of the surrounding area, the final stage of Balmain Shores embraces the convenience and style of terrace living. These boutique buildings are no more than three storeys high and all apartments features balconies. new Garden Square Luxury apartments due to be completed February 2003: Chatswood CBD, New South Wales. Garden Square is a community orientated, environmentally sustainable, new development, occupying a prime position amongst the more traditional red roofed bungalows of Chatswood. An easy walk to Chatswoods many amenities and attractions, Garden Square comes with convenient access to trains, buses, schools and shops. King Street Wharf (Stage 2, North) Luxury Apartments due to be completed June 2002: Darling Harbour, New South Wales. King Street Wharf will be an exciting new waterfront district in Sydney. Formerly wharf 9 and 10 of a former maritime terminal in which Darling Harbour was known as Wharf 8. Stage 2 consists of the construction of twin residential towers (North and South) of Building 3, plus the balance of the waterfrontage retail and strata commercial element, Building 2. King Street Wharf (Stage 2, South) Luxury Apartments due to be completed June 2002: Darling Harbour, New South Wales. King Street Wharf will be an exciting new waterfront district in Sydney. Formerly wharf 9 and 10 of a former maritime terminal in which Darling Harbour was known as Wharf 8. Stage 2 consists of the construction of twin residential towers (North and South) of Building 3, plus the balance of the waterfrontage retail and strata commercial element, Building 2. new Linc - Stage 1 Luxury apartments due to be completed May 2003: Alexandria, New South Wales. Architecturally designed with a choice between live/work apartments, studios, one or two bedroom apartments, Linc is the perfect location for easy living. Last Few Linea Luxury apartments due to be completed December 2002: St Leonards, New South Wales. Brand new, contemporary apartments located amidst the vibrancy of St Leonards dynamic lifestyle attractions. Boasting smart design, captivating views and spacious, open living areas, Linea apartments offer the smooth integration of complete comfort and style. new Medina Classic Serviced apartments now completed: Sydney, New South Wales. Medina Classic Martin Place is ideally located in the heart of Sydneys vibrant CBD and shopping precinct, only one block north of Martin Place. The 49 studio and one bedroom apartments all have fully equipped kitchens and laundries. new Nexus Luxury apartments due to be completed July 2003: St Leonards, New South Wales. Rising through the St Leonards skyline, Nexus is an address where life meets style. Located between the transport hub of St Leonards and the cafe society of Crows Nest, convenience meets necessity in this central location. Pacific International Suites Parramatta Serviced apartments now completed: Parramatta, New South Wales. Fully furnished 4.5 star serviced apartments with a thirty year guaranteed return. new Proximity 1 and 2 Luxury apartments due to be completed June 2004: North Arncliffe, New South Wales. Only minutes from the Sydney CBD as well as beaches, parks and waterways, Proximity defines a new standard for contemporary residential communities. Each apartment offers views, space, parking and privacy, with ample room for individual style. new Proximity 3 Luxury apartments due to be completed June 2004: North Arncliffe, New South Wales. Only minutes from the Sydney CBD as well as beaches, parks and waterways, Proximity defines a new standard for contemporary residential communities. Each apartment offers views, space, parking and privacy, with ample room for individual style. new Quadrant Luxury apartments due to be completed July 2003: Broadway, New South Wales. Located only 1 km from Sydney CBD, Quadrant offers residential apartments featuring a blend of heritage and modern architecture. A vibrant central plaza forms the heart of the development, with restaurants and alfresco cafes in landscaped gardens featuring reflection pools. new State Apartments Luxury apartments due to be completed June 2003: Waitara, New South Wales. Located in the upper north shore suburb of Waitara, the State Apartments comprises 102 stylish and spacious one bedroom + study, two bedroom and three bedroom apartments, all featuring secure undercover parking, split system air conditioning and balconies. new Waitara Grand Apartments Luxury apartments due to be completed June 2003: Waitara, New South Wales. The Waitara Grand Apartments offer 136 luxury apartments over two towers in Sydneys upper northern suburb of Waitara. Waitara Grand features public parklands on two sides of the development and provides a private swimming pool, communal courtyard and secure undercover parking. Back to the Australia Financial Services Directory

Rental Property Industry Support

Rental Property Reporter--the landlord guide to profitable property management For the Week of December 26, 2005 Solutions for the Rental Property Industry Support Rental Property Reporter advertisers A Business Where Landlords Can Help Other Landlords s Tip of the Week: Getting a Great Deal When You Buy Properties Get FREE Property Management Information by Email Winter Telephone Class Series January 18, 2006 --"Dirty Tenant Tricks and How to Beat the Tricksters" February 8, 2006 --"How to Write Classified Ads That Work!" February 22, 2006 --"Low- and No-Cost Marketing that Gets Units Rented" Sign up for two classes and get the third one free Results of Tenant Selection Survey Access the Landlord-Tenant Laws from all 50 States Rental Property Consulting & Coaching Having a problem with your rental property? Ask an expert Answers to Landlord Questions Find a Property Management Company Find an Apartment or Landlord Association Near You Find a Tenant Screening Company Top Dollar for your note or trust deed Message Board-- Landlords Helping Landlords Realtors and Property Managers: We want to publish your newsletter on this site Click here for more information TIP OF THE WEEK LANDLORD STORE LANDLORD BULLETINS CURRENT & BACK ISSUES PRODUCTS FOR LANDLORD SUCCESS INFO ABOUT THE NEWSLETTER ASK THE PUBLISHER NOW IN THE LATEST ISSUE OTHER INTERNET SITES SPEECHES & SEMINARS ADVERTISE HERE CONTACT US Rentalprop Message Boards Enter city or US Zip red Tip of the Week Landlord Bulletin Current & Back Issues Products Speeches & Seminars About the Rental Property Reporter | Ask the Publisher Now in the New Issue Other Internet Sites Secure Shopping Cart How to Advertise Here Contact Us Get a FREE Monthly Property Management Column by Email Is it really safe to use your credit card to make purchases on the Internet? © 1997-2005 Cain Publications, Inc. Look for Rental Property Reporter in search engines and web directories under rental property reporter, lease, landlord, landlording, property management, rental management, real estate management, residential management, fair housing, and landlord education. Read the landlord guide and landlord handbook. Landlord manual for landlord information and tenant or tenant screening. Tenant selection and tenant interview so you can choose tenant and tenant management for real estate and real property. Rental property and property management for property lease and rental income is rental management and rental property. Overdue rent and eviction news for lease management and lease, lease, lease. Survival to survive the fair housing and housing condition report or premises report. Credit for rental property and landlord guide or rental management. Report damage for damage deposit on furniture damage. Bob Cain is a guest speaker, lecturer and conducts training seminars as speaker, keynote speaker. Bob Cain conducts workshops and is a author, writer of books for publication. Class study and newsletter for landlord and tenant relations. Rental landlord guide and rent collection for renter screening and screening for renter selection. Tenant screening for tenant selection is essential to effective property management.