purchase property, for example

Landlord law - Links to purchase property to let Would you like to suggest a link or contact for this section? Please use our feedback form LANDLORDS! Do you need to evict your tenants? Click here for our prices Links for purchasing property This section lists websites of organisationswhich offer services which may assist landlords (and others) looking to purchase property, for example to let. We are always happy to add suitable sitesto this section. If you wish to recommend a web-sitefor inclusion please use the feedback facility. Important Note -all web-sites listed are provided by outside organisations andLandlord-Law Online cannot accept liability for their contentsor any of the services provided by them. Note the the sites (apart from the Google Ads) will open in a new window. The Money Centre Specialist buy to let residential investment and commercial mortgage brokers. Simply Business Buy to let mortgage quotes, information, resources and support . RJL Associates This company state that they have bargain properties now available, and that you can save up to 40% on houses, flats, bungalows. Conveyancing from MovingAhead Specialist Property Lawyers who aim to deal with your conveyancing work speedily. Winner of awards for use of e-commerce. Get an instant quote online. No sale no fee scheme available. Landlord Trader A buy to let property exchange for investor landlords and agents. Rent to Own Information and Resources Information and resources for if you want to rent to own anything. Home Page Info for Non-members Members Only Law Reform Online Shop Links & Contacts Contact, Help & Info Sitemap

Home Loan Program DISASTER

Information on the VA Home Loan Program Information on the Home Loan Program HomeOwnership Education for First Time Buyers Am I Eligible for a VA Loan? Property Management Construction and Valuation Lenders & Servicers Contact VA Loan Guaranty Service Forms Loan Guaranty HomePage VBA HomePage VA Homepage If You Owe VA VA Monitoring Unit Loan Production Specially Adapted Housing Information on the Home Loan Program DISASTER ADVICE FOR VETERAN HOMEOWNERS Thinking of Buying, Selling or Refinancing a Home These short videos explain what you need to know as a Veteran. Pamphlets on the VA Home Loan Program On-line copies of VA Home Loan Pamphlets. HomeOwnership Education for First Time Buyers Valuable information for first time homebuyers from the Ginnie Mae HomeOwnership Center. Frequently Asked Questions Answers to questions most frequently asked about the VA Home Loan program. About the Loan Guaranty Service The VA Loan Guaranty Service is the organization within the Veterans Benefits Administration charged with the responsibility of administering the home loan program. See an independent evaluation of the Loan Guaranty program here: Final Report / Final Report Appendices Information on Specially Adapted Housing for disabled veterans Click here for information on the Special Adapted Housing program for certain seriously disabled veterans. VA Regional Loan Centers Addresses, telephone numbers & websites of our Regional Loan Centers. Contact VA Loan Guaranty Service E-mail Loan Guaranty Service VA Approved Lenders Find a VA approved lender in your home town area using our E-lenders nationwide query. Interest Rate Reduction Refinancing Loans Have interest rates fallen since you obtained your VA loan? Do you have an Adjustable Rate VA loan that you want to convert to a fixed rate loan? The IRRRL program, also called the VA streamlined refinancing program, may be for you. No appraisal or underwriting is required and a certificate of eligibility is not necessary. If You Have Trouble Making Your Payments If you have a VA loan but are having trouble making your mortgage payments, it is very important that you take steps to avoid a foreclosure. VA may be able to help. Information for Elderly Homeowners Information for Elderly Homeowners covers Reverse Mortgages, Interest Rate Reduction Refinancing Loans, and Home Equity Fraud. VA Direct Home Loans for Native American Veterans Living on Trust lands VA direct home loans are available to eligible Native American veterans who wish to purchase or construct a home on trust lands. Information on the Home Loan Program / Am I Eligible for a VA Loan? / Property Management Construction and Valuation / Lenders & Servicers / Contact VA Loan Guaranty Service / Forms Loan Guaranty HomePage / If you owe VA / Monitoring Unit / Loan Production / SAH Disclaimer / Privacy & Security Statement / Freedom of Information Act Contact the VA / VBA HomePage / VA HomePage This page has been accessed since February 16, 2003. Reviewed/Updated: September 28, 2005 (kt)

Selling Home

FCIC: Selling a Home Return to Federal Citizen Information Center Home Page Printer-friendly page -- Life Advice About... Selling A Home This Life Advice section about Home Improvement was produced by the MetLife Consumer Education Center reviewed by the Real Estate Educators Association and the U.S.D.A. Cooperative Research, Education and Extension Service. If you've decided to sell your home, chances are you're caught up in a host of emotions. You may be looking forward to moving up to a new dream house or facing the uncertainty of a major move across country. You may be reluctant to leave your memories behind or eager to start new adventures. Whatever turbulent feelings you're experiencing right now, there are plenty of practical matters that need your attention. Keep in mind the following considerations to help the whole process go more smoothly. Time Becomes Money It's a good idea to place your home on the market as far in advance as possible of purchasing a new one. If you find a new home first and then try to sell your present home, you may wind up with two mortgages. If this does happen, ask your real estate agent or banker about a bridge loan to help you make the double payments. Lenders use the same criteria for offering bridge loans as they use for mortgages. Should you qualify for a bridge loan, beware of the expense; during the term of the loan you must continue to pay both mortgages. Shop around for the best terms. Keep in mind that when people move, sell and buy, there usually is a domino effect. Closing and moving dates have to be coordinated, and the more firmly everyone commits to a window of dates and sticks to them, the better for all involved. Put all agreements about dates in writing, and protect yourself by negotiating financial penalties for failure to comply. Check Your Curb Appeal A home that's visually appealing and in good condition will attract potential buyers driving down the street. Use this checklist to view your property through an outsider's eyes. Are the lawn and shrubs well maintained? Are there cracks in the foundation or walkways? Does the driveway need resurfacing? Are the gutters, chimney and walls in good condition? Do the window casings, shutters, siding or doors need painting? Are garbage and debris stored out of sight? Are lawn mowers and hoses preperly stored? Is the garage door closed? On the Inside Strong curb appeal will lure potential buyers inside, where you have to live up to their expectations. Fortunately, there are plenty of easy improvements you can make to your home's interior without spending a lot of money. Cleaning is No. 1. Your windows, floors and bathroom tiles should sparkle. Make sure you have clean heating and air conditioning filters. Shampoo dirty carpets, clean tubs and showers, repair dripping faucets and oil squeaky doors. Keep your home neat, clean and picked-up at all times. It may not seem fair, but a peek in the oven may be the hallmark by which a buyer judges how well you have kept up your home. Remove unnecessary clutter from the garage, basement, attic, closets and straighten stored items. Also remove any items that might make a statement that would be offensive to others who may not share your same views, beliefs or sense of humor. If your home is crowded with too much furniture, consider putting some things into storage. If a room needs a fresh coat of paint, use a neutral off-white. Think, too, about how your home smells. You may be used to the smell of a pet or cigarettes, but such odors can be a strong turn-off to others. Be certain to remove valuables such as jewelry and other items from view. It might be wise to put these items in a safe deposit box before showing your home. Finally, set a mood for the buyer. Make your house homey with live flowers and fresh guest towels in the bathroom. Place scented potpourri around the house or, on the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls into the oven for a welcoming aroma. Remember, cosmetic changes do not have to be expensive. In fact, costly home improvements do not necessarily offer a good return on your investment when you sell. It's attention to the basics—anything that says “this home has been carefully maintained”—that will help you get the price you want. Go It Alone Some homeowners decide to sell their homes themselves in order to save the commission charged by a real estate agent. The commission rate may vary, depending on where you live or what agency you choose, but it is generally upwards of 5%. However, handling your own sale means you will be responsible for placing ads, answering phones and showing your home to strangers. What's more, buyers who know you are saving on an agent's commission may offer less for your home, wiping out the financial incentive to do it all yourself. You may decide an agent's commission is a bargain the first time that a would-be buyer shows up unannounced at dinnertime. Also, be aware that a real estate agent probably knows a lot more about the business of selling a home than you do. Here are some of the advantages professional agents offer: They will help you establish a fair asking price for your home. They will promote your home to other agents and list your property in multiple listing services. A multiple listing service is a book or computer database that all real estate agents who subscribe to the service can access. Your home will get exposure to all those agents, one of whom may have the perfect buyer. They will create, pay for and place advertising for you. They will schedule appointments to show your home to prospective buyers even when you are not there. They can weed out buyers who will not qualify for a mortgage. They can refer you to sources for insurance, inspections, legal counsel and financing. They will help you negotiate with the buyer. They can make suggestions to help make your home more attractive to a potential buyer. If you decide to sell through an agent, ask friends and neighbors for recommendations. Talk to several agents before picking the one you want to work with. Taking a walk through your home with an agent should give you a feel for how that person will handle prospective buyers. Ask prospective agents how they plan to market your home. Don't sign with an agent just because he or she suggests the highest asking price. Negotiate the broker's commission prior to listing your home, and sign for a limited period of time—usually three to six months. Setting a Fair Price Naturally, you want to get top dollar for your home. But, at the same time, you don't want to scare off potential buyers with a price tag that's too high. Setting an artificially high price may cause your property to languish on the market for months. Reducing your asking price later on may lead buyers to wonder if there is something wrong with your home. Here are some of the factors to consider in pricing your home. Your location Economic conditions Supply and demand in the local housing market Seasonal influences Local schools Average home prices in the neighborhood Your home's extras -- pool, fireplace, central air, etc. To determine the value of your home, you probably will want the advice of a real estate agent or appraiser. Ask an agent to prepare a market analysis for you, showing the recent selling prices of three neighborhood properties comparable to your own. The agent can help you adjust for the unique features of your own property. Qualifying a Buyer Either you or your agent will want to quickly weed out potential buyers who cannot really afford to purchase your home. A number of factors will help determine whether or not you are wasting your time negotiating a sale. The buyer's debt and credit history The buyer's current income and employment The buyer's cash position and availability of a down payment The length of time the buyer needs before closing on your home How interested the buyer appears to be in your home versus others Seek Legal Representation When selling your home—particularly if you are selling on your own—it's a good idea to be represented by an attorney. Look for an attorney with expertise in real estate transactions. When a potential buyer puts an offer in writing and you accept it, the signed acceptance becomes the sales contract. Your attorney will be present at the actual closing to protect your interests and can assist you with the following elements of a sales contract: The sale price What is included in the sale price -- draperies, carpeting, light fixtures, heating oil, etc. The amount of the down payment The date of closing and possession date Contingencies to the sale--inspections (e.g. structural, lead-based paint, radon), required improvements, legal review of the contract by the buyer's or seller's attorney, etc. The amount and length of the mortgage loan, interest rate and time limits to secure the loan Determining which closing costs are to be paid by the buyer and which by the seller Tax Implications Selling a home can have a major impact on your federal and state tax returns. Check with your tax consultant on the factors that may affect taxes resulting from the sale of your home. For example: Whether you purchased the home or acquired it by gift or inheritance Whether you used your home partly for business or rental Costs associated with selling your home Home improvements or additions, which may help to offset capital gains The sale of your home. In certain cases you can exclude up to $250,000 in gain ($500,000 for married couples filing a joint return) on the sale of property that was your principle residence for at least two years. Generally, you can use this exclusion every two years. Congratulations! You've successfully weathered the logistics of selling your current home, and you're ready to move on to a new and exciting chapter in your life.As you prepare for the coming changes, check out the Life Advice sections Moving and Buying a Home to aid you in this transition. For More Information 100 Questions Every Home Seller Should Ask Ilyce R. Glink, Times Books $14 Life Advice price $11.20 Call 1-800-793-2665 to order and mention reference number 032-02. Price and availability subject to change without notice. The American Bar Association Family Legal Guide Times Books$34.50 Life Advice price $28 Call 1-800-793-2665 to order and mention reference number 032-04. Price andavailability subject to change without notice. How to Sell Your Home in 5 Days William G. Effros, Workman Publishing $14.95 Life Advice price $8.97 The Consumer Bible, 1001 Ways to Shop Smart Mark Green, Workman Publishing $14.95 Life Advice price $8.97 Tips and Traps When Selling a Home Robert Irwin, McGraw-Hill $12.95 PAMPHLETS FROM THE FEDERAL GOVERNMENT The quarterly Consumer Information Center Catalog lists more than 200 helpful federal publications. For your free copy write Consumer Information Catalog, Pueblo, CO 81009, call 1-888/8-PUEBLO, or find the catalog on the Net at www.pueblo.gsa.gov . A Home for You and Your Family Publication Series, North Carolina Cooperative Extension Service, Housing & House Furnishings, Box 7605, Raleigh, NC, 27695-7605 (single copies free). Also contact the Extension Service office listed in the white pages of your phone book. Related Life Advice pamphlets See the following related Life Advice pamphlets: Buying a Home, Moving, Home Improvement, Homeowners Insurance, Renting an Apartment, Enjoying Retirement and When Your Children Leave the Nest. Helpful Links HomeWEB You'll find consumer information on selling a home from this comprehensive real estate and relocation source. Topics include info on real estate agents, marketing your home, financing & mortgages, sales contracts, pricing your home and more. Basically, this is a great place to start, if you're thinking about selling your home. Audrie's Advice Audrie provides a complete check-list for selling your home without an agent and thereby retaining all the profit for yourself. SellYourHomeYourself.com SellYourHomeYourself.Com is a unique site that helps the For Sale By Owner seller save money. On this FSBO web site you'll find all the resources you need to sell a home yourself. * Because the content of newsgroups and Websites changes constantly, it is impossible for us to review it all. We are not responsible for the content of any of the above links. Return to Federal Citizen Information Center Home Page Printer-friendly page --

Buy Home

Fool.com: To Educate, Amuse and Enrich -- Main Page Home Stock Ideas & More Discussion Boards Quotes & Data My Fool Login News | Investing | Retirement | Personal Finance | Fool's School | Help CHOOSE A BROKER TOP STOCKS on your mobile Search: Quotes: Welcome Fool! My Fool My Favorite Boards My Email Subscriptions Today's Headlines Products & Services Champion Funds Discussion Boards Fool Credit Card Hidden Gems How-To Guides Income Investor Inside Value Rule Breakers Rule Your Retirement Stock Advisor Stocks 2006 New! TMF Money Advisor More... Investing Broker Comparison ETFs Index Funds Mutual Funds Stock Ideas More... Personal Finance 401(k) Calculators Credit Reports Financial Advisors Home Buying/Rates Insurance IRAs Savings/CDs Taxes More... SiteMap/More Topics Email Subscriptions Fool Radio Work at The Fool Dueling Fools: 2006 Will the coming year be kind to investors? Bull Rick Munarriz and bear Tim Beyers have their say. Thursday's Motley Fool Take Thu Dec 29, 3:33 p.m. ET Univision: Broadcasting Growth? High Bids for Unwanted Gifts? Cheat, Profit, Go to Jail Minds on the Mines: Aluminum The Science of Holiday Sales Minds on the Mines: Copper eBay, Can You Spare a Dime? Mind on the Mines: Steel and Iron ExpressJet's Wings Clipped Kona Wipes Out Tips for Dealing With Car Salespeople If They Only Had a Taser Finding Feel-Good Companies Like the Funds? Love the Advisor! Twists and Turns in the Yield Curve More Headlines » Commentary Motley Fools Fess Up The money pros on these pages reveal their biggest financial blunders of '05. An Iron Law of Markets Reflections on the cold northern Minnesota winters of youth yield important investing lessons. Foolish Fundamentals: Margins If you want an edge in investing, you have to be able to think beyond the usual. Foolish Fundamentals: Bonds Learn what happens when you lend money to a business or organization, and how doing so can benefit you. Foolish Fundamentals: GAAP Understanding how companies make adjustments to GAAP earnings will help investors round out their tool kit. Stocks for the Next Five Years Here are 10 companies scheduled to surge. 2005: The Year That Was With the year all but over, we take a look back at the news that shaped 2005. All Today's Headlines » Browse Stories by Author Bill Mann Mathew Emmert Robert Brokamp Shannon Zimmerman Philip Durell LouAnn Lofton Dayana Yochim Alyce Lomax Rex Moore Selena Maranjian Rick Munarriz Zeke Ashton Whitney Tilson Roy Lewis David Gardner Tom Gardner Community Chest Christmas Wrapping Tips for Men If you are going to delegate, watch out for surprises! Make Money From Credit Cards Credit Card Minimums Rising? Maybe... Is Pension Money Dumb Money? Chiropractic: Quackery, or a Bargain? Home Networking Stump You? Free Community Trial Required Foolanthropy The Internet's first and longest-running interactive, cooperative charity drive. Make the world a better place . Top Sellers Stocks 2006 Just released! The best selections for the year ahead from the Fool's top analysts. Stock Advisor Rule Breakers Hidden Gems Rule Your Retirement Inside Value Income Investor Champion Funds more Champion Funds Design the Perfect Portfolio You can have it all and never leave your circle of competence. Hidden Gems The Market's 10 Best Stocks The returns are incredible, but they're not what you think. Stock Advisor The Crystal Ball Deficit of 2006 Don't count on anyone accurately predicting the future. Not even your CEOs. Champion Funds Taking Stock of Your Funds Three questions all mutual fund owners should be asking right now. Inside Value Three Tens for a Twenty How to cash in on the market's mood swings. Champion Funds Financial Petty Thievery Funds make money. But who do they make it for? Income Investor How to Build Real Wealth Unless you have a crystal ball, there's only one way to guarantee you'll beat the market. Get It Done! Matchmaker, Matchmaker ... Money isn't everything when finding a mate ... or a financial advisor. More Money Solutions... - Choose a Topic - Compare Brokers Open an IRA Refinance Now Check My Credit Find an Advisor Save More Get a Mortgage Find Stock Ideas Learn About Investing Get Out of Debt Pay for College Learn About Insurance Do My Taxes Retire Early The Motley Fool's top stock picks for 2006 Just released -- complete dossiers on ONE DOZEN investments in Stocks 2006: The Investor's Guide to the Year Ahead. Best projections from the Fool's top analysts, including David Gardner. Purchase and download your copy today! Learn More S&P 500 1,255.29 -0.23% DJIA 10,790.74 -0.05% RSL 2K 681.46 +0.20% NASD 2,219.32 -0.43% updated: 3:29:47 PM USEQWeb06 200 ms About The Motley Fool | Email Subscriptions | Fool Radio | Newspaper Column | Work at The Fool Contact Us | Advertise | Fool Disclosure | Help | Site Map Fool UK Legal Information . 1995-2005 The Motley Fool. All rights reserved.

Real Estate Loan

Fremont Investment and Loan - Competitive lender of Commercial Real Estate Loans Commercial Real Estate Lending Loan Programs Key Elements of Service Recent Closings Loan Origination Offices Home A Fremont General Company Commercial Real Estate Lending The Commercial Real Estate Division provides financing on all types of income producing properties, originating loans nationwide through its nine regional offices . The loans we provide include short-term bridge financing for the comprehensive renovation, repositioning and lease-up of existing properties or new construction, as well as more traditional permanent loans . Secondary financing behind a Fremont first mortgage is also offered on qualified projects. As a portfolio lender, Fremont offers a creative and flexible approach to lending, delivered by real estate professionals dedicated to responsive, reliable service . The expertise of our originators and a thorough due diligence process allows us to underwrite even the most complex and difficult to finance properties. Our customers are typically mid-size developers and owners, seeking financing for projects with a total capitalization of $10 million and up. We are a collateral focused lender, and recourse is typically limited to standard carve-out, or completion and debt service guarantees on speculative development projects. Fremont's expertise in structured lending and the flexibility afforded by being a portfolio lender has allowed us to become one of the top lenders in our niche. Click on Recent Closings to see examples of our most recent transactions. Products and Services Privacy Policy Site Map Contact Us Vertical Line Is Here End Vertical Line --