Home Equity Lending Contract
Home equity loan resources Office of Consumer Credit Commissioner Home Equity Loan Resources Resources for Consumers Home Equity Lending Contract Disclosure : Home equity lenders must provide copies of this consumer rights notice to loan applicants. Aviso Sobre El Crédito Que Se Concede : Spanish version of the home equity lending contract disclosure FTC Guide to Finding the Best Mortgage : This page on the Federal Trade Commission's Web site includes some practical tips on selecting a mortgage and a worksheet to help you compare mortgage loan products. ( La información en el español ) FTC's Home Equity Alert : This brochure from the Federal Trade Commission includes descriptions of potentially problematic loans and practical tips to protect your intersts. ( La información en español ) Statutes and Regulatory Commentary Home Equity Commentary : In 1997, the Texas legislature passed a constitutional amendment allowing for home equity loans. In response to this new type of loan, a group of Texas state agencies got together and developed the Home Equity Commentary. This document expresses the enforcement positions adopted by the Office of Consumer Credit Commissioner, Department of Banking, Savings and Loan Department, and the Credit Union Department. Updated: In response to the constitutional amendment allowing home equity lines of credit (voted in by Texans on September 13, 2003), the OCCC worked with the other Finance Commission agencies (Department of Banking and Savings & Loan Department) and with the Credit Union Commission to develop additional administrative interpretations . Article 16, Section 50 : This 1997 amendment to the Texas Constitution established home equity regulations. Section 50 was further amended in September 2003 to allow for home equity-based lines of credit. Chapter 342.G of Texas Finance Code : This chapter sets forth the regulations concerning interest and other charges on secondary mortgages and home improvement loans. Home Equity Modification Interpretation Letter : This letter was issued jointly by the Finance Commission of Texas agencies in response to a request for interpretation. Development of Home Equity Lending : The OCCC's governing board, the Finance Commission of Texas, provides this account of regulatory issues that arose within the first two years of home equity lending. State of Texas / TRAIL (Texas Records and Information Locator) Texas Finance Commission / Department of Information Resources Sunset Advisory Commission / Privacy Policy Open Records Requests En Español
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Real Estate Prices
For Sale By Owner, homes for sale, houses, real estate, for sale - ForSaleByOwner.com Sell a Home Buy a Home Services Mortgages City Profiles Appraisals Service Directory Foreclosures Mortgages Service Providers Appraise Your Home Moving & Relocation Home Improvement Title Company Search Insurance Lawyers Virtual Tours Home Builders Real Estate Agents Research What is FSBO? City Profiles City Comparisons School Reports Crime Comparisons Salary Calculator Cost of Living Comp. Home Sale Prices Tools Free eBook DIY Software Mortgage Calculators Home Selling Guide Home Buying Guide Ad Writing Tips Real Estate Forms Home Buying Checklist Utilities Connections Your Credit Report Glossary Real Estate News Edit Your Ad Modify Your Ad Cancel Your Ad Upload Photos Help/FAQ BUYING A HOME? Search the largest real estate database of For Sale By Owner homes for sale! 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Real Estate Agents Career
Real Estate Careers - Advice For Real Estate Agents You are here: About > Home & Garden > Home Buying / Selling > Real Estate Careers Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses Search Home Buying / Selling > Real Estate Careers Real Estate Careers - Advice for Real Estate Agents Career advice for real estate agents or anyone who wants information about a career in real estate. Helpful resources for all real estate professionals, from new real estate agents to brokers in charge. Subtopics Commission Advance (1) NAR Web Sites (35) eCards (4) Presentation Skills (8) Errors/Omissions (3) Real Estate Humor (5) Ethics (2) Real Estate License Law (29) Fair Housing (7) Real Estate News (5) Finding Clients (8) Schools (12) For Brokers in Charge (19) Software (19) Marketing Your Listings (36) Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Safety Tips for Real Estate Agents - Real Estate Agent Careers Real estate agents have historically felt safe while performing their jobs, but the trend has shifted in recent years, with a number of agents raped, robbed and murdered while showing homes and other properties. If your office has developed agent safety policies, follow them. If it hasn't, there are several things you can do to help minimize your risks. Real Estate Careers - Special Designation Programs for Real Estate Agents Real estate agent pre-licensing classes teach you about real estate laws and customs in your state, but they don't teach you how to manage and promote your business or work effectively with consumers. For that you'll need ongoing education. Some agents choose to accomplish that by participating in one or more special designation programs. What is a Realtor? Career Advice for Real Estate Agents - Information for Consumers Some people call all real estate agents "Realtors" without realizing that not every agent can legally use the title. When join become Realtors they must agree to conduct their business in a way that adheres to the rules of the National Association of Realtors, NAR, including its Code of Ethics. Here are some Realtor basics. How to Measure and Calculate Residential Square Footage Each year, home owners discover that their new home's square footage is not the figure stated when the home was advertised. Real estate agents and for sale by owner sellers can reduce their risks of lawsuit by knowing how use accepted standards to measure and calculate a home's square footage. So You Want to Become a Real Estate Agent You've decided you want to become a real estate agent, but what's your motivation? It can be a rewarding career choice, but it's definitely not a job for everyone. Here's some advice to help you determine if a career in real estate is right for you. Interviewing for a Real Estate Agent Job Looking for a real estate career? Interviewing for a real estate agent position requires different techniques than those you use when applying for most jobs. Get the facts before your interview. How To Calculate Real Estate Commissions New real estate agents sometimes aren't aware that commissions are usually shared by all agencies who participate in a sale. Here are some examples that show how commissions are split. How To Find a Job in Real Estate This simple how-to article gives you a step by step look at the process you must follow to find a job as a real estate agent. Preparing Your Sellers for Home Showings Advice for real estate agents. Take time to prepare your sellers for the realities of showing a home. When home sellers understand that a good showing might result in a good offer, they are usually willing to comply with your requests. Errors and Omissions Insurance for Real Estate Agents Get the facts about errors and omissions insurance for real estate agents. E&O is your protection from lawsuits filed by unhappy clients and customers. Deed Plotter for Windows, Review Deed Plotter for Windows is a deed description analyzer, a software program that allows you to type-in the legal description of a piece of property. The software analyzes the information, and draws the tract. Find out how this software can help you with real estate transactions. Get Your Home Sales to the Closing Table Getting a real estate sales contract doesn't signal the end of your work with that client, it's just the beginning. There's a lot more work to do before the buyer and seller meet for closing. This advice will help you get there. Sales Techniques for Real Estate Pros Successful real estate agents know that asking the right questions is an important part of working with home buyers. Use these tips to refine your sales skills. 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