Buy Property

Buy properties for sale in Cyprus at Protaras Nicosia Larnaca Famagusta and Paralimni - with properties for sale in Cyprus you can invest in Cyprus property. Chara Corinthia Villas Protaras - FREE Chevrolet Matiz with the purchase of any Corinthia Villa. Limited time offer so hurry! Properties for sale in Cyprus at www.buypropertyincyprus.co.uk Properties for sale in Nicosia - Apartments Properties for sale in Nicosia - Villas Properties for sale in Nicosia - Houses Properties for sale in Nicosia Properties for sale in Famagusta - Protaras Properties for sale in Famagusta - Paralimni Properties for sale in Famagusta - Aiya Thekla Properties for sale in Limassol Properties for sale in Larnaca Properties for sale in the Mountains -Psvedas Properties for sale in the Mountains -Lythrodontas Resale Properties for sale in Cyprus Inspection visits to Cyprus Request Information Properties for sale in Cyprus See our properties for sale in Cyprus and find that villas and apartments in Cyprus are excellent value for money. We provide information on some of the largest Cyprus property developments and you will find villas and apartments for sale in Paphos, Apolis, Pafos, Kalamyes, Paralimni, Famagusta, Nicosia, Protaras, Lythrodontas and Latsi. Explore the properties for sale in Cyprus and contact us when you're ready for more information. You may have been on holiday in Cyprus and now want to take the next step in buying a place in the sun. We have information on villas, houses and apartments for sale near beaches and in the major towns of Cyprus...NEW DEVELOPMENTS BEING RELEASED IN THE NEXT FEW DAYS - WATCH THIS SPACE! Meanwhile have a happy Christmas and a brilliant new year! Why buy properties for sale in Cyprus? We believe that Cyprus offers advantages that other destinations cannot offer, making it one of the best areas in the world to buy a villa, apartment or investment property. The benefits include: Buying property in a country which has just gained EU membership Cyprus has a strong and stable currency Properties for sale in Cyprus can be rented out There is a well developed and growing tourist industry Cyprus has a healthy stable property market Flights are readily available from the UK and Ireland The benefits of buying a property in Cyprus through us. If you are buying a property abroad the purchase process can seem daunting.. We give you as much support as you want and make the purchase process easy. The benefits we offer include: Buying from one of the largest developers in Cyprus, with many years experience and a solid reputation We believe in low pressure sales. If you want to buy a villa in Cyprus we will help you all we can, but you drive the process. We will give you lots of information and hold your hand - not push you. We can arrange inspection visits, and if you buy a property from us we will refund flight costs for two people - see inspection visits If you are coming to Cyprus on holiday let us know and we can integrate property viewings with your busy beach schedule. We can provide you with information ona range of mortgage options. As Cyprus is nowa member of the EC, the major banks on Cyprus and now able to provide mortgages to ex pats. We will provide advice on a case by case basis. When you purchase a property we can organise management and cleaning services, so you have peace of mind when you are not staying there yourself. In short, there are few problems you will come across that we haven't encountered before and can't provide you with a solution for! How can I buy properties for sale in Cyprus? The process of buying a property for sale in Cyprus is similar to the stages in buying a home in the UK. The pitfalls are also similar. It is important not to over-stretch yourself financially, and to ensure that you can afford the deposit and subsequent mortgage. Having said that, we have been amazed at how efficient the builders are at making it all happen in a short space of time. In our experience, most are keen to help. Consider the properties we have on offer in different parts of Cyprus and contact us for more information on your selected developments. We can help to plan your inspection visit to select property and can help make it happen for you. CYPRUS in BRIEF History The strategic position of the country, at the crossroads of three continents has probably been the main reason for its turbulent history throughout the ages. Many different races, the main ones being the Egyptians, Romans, Byzantines, Francs, Venetians, Turks and British, have occupied the island. Although each one of these conquerors left their mark on the island, the Greek identity has been preserved throughout the ages. In 1960, it gained independence under the London-Zurich agreement. But freedom was short-lived. In 1974, after an abortive coup d'etat, Turkey invaded and occupied 38% of the island's territory in the north. Although, the problem has not yet been resolved, political and economic stability were fully restored soon after the invasion. Geography Considered a European country, it is situated in the eastern region of the Mediterranean at the crossroads of Europe, Asia and Africa. The island's total area is 9251 square kilometres while the island time zone is exactly 2 hours ahead of London and 7 hours behind Tokyo. The landscape is one of infinite contrasts, from its fertile central plain to the cool, vine clad foothills; the majesty of the cedar valley in which wild indigenous moufflon roam; mile after mile of sandy shores with secluded beaches to seek out, and hundreds of villages to explore, each with its own tradition and charm. Climate This beautiful country enjoys perhaps the best type of Mediterranean climate with about 340 warm and sunny days. Summer is the season of constant sunshine and cloudless skies. Winters are mild with some rain, and snowfall on Troodos Mountains. Maximum mean temperatures range from 14C or 57F in January to 37C or 99F in July and August. Standard and Cost of living Cyprus enjoys a fairly high European standard of living, while at the same time remains a relatively inexpensive country. According to a survey conducted by the Union Bank of Switzerland it is ranked as the 10th least expensive business centre in the world and the least expensive in the whole of Europe. Real Estate a non Cypriot is allowed to buy in Cyprus A non-Cypriot is allowed to buy a flat, house or a plot of land not exceeding two donums, 2676 square metres. However, in case there is a special reason and you need more than the law states, permission may be granted. Freehold All the properties for sale in Cyprus are freehold. Currency The currency is the Pound, which is sub-divided into 100 cents. As from June 1992, the exchange rate of the currency has been pegged to the ECU. The margin within which the currency is allowed to fluctuate has been fixed at 2.25% above or below the central value, 1.7068 ECU. Cyprus property is available to suit a wide range of investment budgets. If you are seriously looking at properties for sale in Cyprus then contact us and we will help you find the property to meet your needs. We advertise properties for sale in Cyprus for investors, buy to let clients, and people who want to live in Cyprus in a secure new home. Villas and apartments are for sale in Paphos, Apolis, Pafos, Kalamyes, Paralimni, Famagusta, Nicosia, Protaras, Lythrodontas and Latsi. Buy Cyprus property. Rented out your villa in Cyprus? Travel to Orlando Florida and visit www.southern-palms.com to live in comfort while you explore! With four bedrooms, three bathrooms and a heated pool, this luxury villa at Orange Tree is the perfect Orlando rental. Cyprus Property Resources | Property 2 | Property 3 | Cyprus Property Finance | Property and Holiday | Property and Home | Property Travel | Property Utilities - - - - - - - - © System Alchemy Ltd | Design by www.systemalchemy.com - - - - - - - -

Home Loans | Mortgage

Bad Credit Mortgage Refinance,Bad Credit Home Loans,California Mortgages-Home Equity Loans! BadCredit Mortgage Refinance | Bad Credit Home Loans | Mortgage Interest Rates | Debt consolidation home loans | Home Purchase Loans | Site Map Bad Credit Mortgage Refinance Bad Credit Home Loans Refinance Mortgage Interest Rates Debt Consolidation Home Loans Second Mortgage Home Purchase Loans Welcome to the home of Inexpensive loans Bad Credit Home Loans and California Mortgages Since 1992 Refinance Home Loans Alliance Mortgage has provided inexpensive Home loans and Home equity loans, and refinancing solutions for all types of credit histories. Apply now for refinancing a home loan with us and take advantage of our low mortgage interest rates. Reduce your monthly payments today. Home Equity Loans A home equity loan is an excellent source of funds, it can free up your equity in your home, and you can get cash for any purpose. This home loan can be a revolving line of credit, or a fully amortized 15 year loan. We provide competitive home equity loans rates and home equity loans. Home Purchase Loans Choose from hundreds of home loans purchase programs for the first time home buyers. You can purchase with no money down and use very little of your own cash. We provide 100% home mortgage loans and 80/20 home loans with no money down 100% financing with 600 fico scores.You can still buy and use our low fico score loan programs with more down payment.We also provide FHA loans that require 3% down payment even with bad or poor credit history. Bad Credit Home Loans We specializes in bad credit home loans and past bad credit problems with minimum 500 fico scores. Discuss your bad credit history with our loan officers who specialize in bad credit home loans. We provide higher loan to values for bad credit mortgage refinance loans than most lenders will. If you have major credit problems we can still customize a bad credit home loan. If you have bankruptcy, repossessions, charge off's and mortgages late payments Click here Second Mortgages There is no equity required for a new second mortgage loan.We provide 100% Second mortgages and loans. Pay off your bills, consolidate debts, or get cash out for any purpose you need. A simple loan application will start the process today.Minimum 600 fico scores required for second mortgages and 640 fico for stated income. Debt Consolidation Loans You can refinance your mortgage and get a loan which can payoff credit cards or any other higher interest rate debts. Consolidate all your debts into a single monthly payment with a debt consolidation home loan from Alliance Mortgage. Current Mortgage Rates Rate APR Type Points 6.00 6.05 30 fixed 0.00 5.37 5.41 15 fixed 0.00 6.50 6.55 30 jumbo 0.00 Home Loans Assumptions Why Alliance Mortgage Apply Online About Alliance Mortgage Corporate Profile Why Inexpensive loans Advantage of using us What others say Home Loans Center Contact us Home Mortgage programs Home Loans Guarantees Loan Rating Survey Privacy and Security Terms of Use Loan Calculators & Tools Home Mortgage Calculators Debt Market Commentary Our Competitors Rates Free Credit Report Mortgage Resources Home Loan Glossary Bad Credit Resources California Mortgage FAQ Site Map Bad Credit Loan Links Bad Credit Loans and Bad Credit Mortgage Refinance Company 1997- 2005 Alliance Mtg Inc. a Mortgage Brokers California Mortgages, Texas Mortgages All rights reserve,mortgage content, bad credit home loans forms, calculators graphics, logos, slogans cannot be reproduced Bad credit home loans | Home equity loans | Mortgage Interest Rate | Debt consolidation Home Loans

property listings including Camden

Maine Waterfront Real Estate Listings - Coastal Maine's Oceanfront Real Estate Specialists Bob Fenton & Marjorie Crowley Maine's Oceanfront Real Estate Specialists Exclusively Representing Coastal Maine Real Estate Buyers 800-293-4416 We're your Maine real estate guides and regional advisors. We make it easy for you to fulfill your dream of owning real estate in Maine. You'll get to know the Maine real estate marketplace from the comfort of your home or office. You'll put our years of real estate brokerage experience and coastwise knowledge to work for you right away. Call to discuss your Maine real estate search. Visit bobfenton.com often for the most up to date real estate listings. Oceanfront property listings including Camden Maine real estate, York Maine and Boothbay Maine real estate. We are the Maine's oceanfront real estate specialists offering a wide variety of oceanfront real estate and lakefront real estate. Search Maine Property Listings : P referred B uyer's S ervices Get FREE access to all coastal Maine real estate listings. See every real estate listing on the coast of Maine. Get Daily E-Mail Alerts of new listings and price changes. Never Miss Another Listing . Coastal Maine Real Estate Listings Tour of Coastal Maine Real Estate Listings Here's an easy way to get a feel for what's going on in real estate on the coast of Maine. Our selection of: Coastal Maine Waterfront Listings Maine Waterfront Homes Over $5 Million Over $2 Million Over $1 Million $900,000 to $1 Million $800,000 to $900,000 $700,000 to $800,000 $600,000 to $700,000 $500,000 to $600,000 $400,000 to $500,000 $300,000 to $400,000 $150,000 to $300,000 Maine Waterfront Condominiums Maine Antique Homes Built Before 1800 Over $1 Million $500,000 to $1 Million Under $500,000 Maine Bed & Breakfasts Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non-commercial use only. Dimensions are approximate. All data should be independently verified. © 2005 Maine Real Estate Information System, Inc. All Rights Reserved. Exclusive Buyer's Brokers for Maine RealEstate We are professional buyers brokers offering exclusive representation for all Maine properties. We provide complete loyalty without conflicts of interest on your purchase of Maine real estate. Your confidentiality is of utmost importance while buying any coastal Maine property. We help you analyze all sales data to determine the true property value of your new Maine home. Our tough negotiating tactics work to get you the best price and terms on your new home in Maine. Maine WebCams : Coastal Maine Web Cams Take a "virtual tour" of coastal Maine. Visit Web Cams on the coast. We sincerely enjoy introducing people like you to the scenic beauty of coastal Maine. One of our most popular links. Maine Lighhouses : Maine's Most Photographed Icon If you like lighthouses, Maine is Mecca. Maine is host to many of the nation's oldest lighthouses. Navigating the coast of Maine presented quite a challenge in the early days of coastal trading. With all of the small islands, rocky outcroppings, ledges and reefs, the dangers of sailing the coast were great. There are more than 60 lights cloistered along the 3500 miles of Maine's convoluted and rocky coast. Our tour consists of over 30 Lighthouses and some Lighthouse Web Cams along the coast of Maine. Maine Maps : Detailed Area Maps & Regional Info. Local Information, with maps of towns or regions. Links to area's Chamber of Commerce, local on-line news, ferry service to area islands, and an ariel photo of the community. Get the local area information you need to make a wise real estate buying decision.Resources for ordering maps of Maine and everybody's favorite book about life in Maine: "Moving to Maine" Your personal guide to Maine realestate Put our years of real estate experience and regional coastwise knowledge to work for you. We've learned about all the complexities that surround your unique search for Maine property.With our help, your real estate decisions will be made with complete confidence. You'll be sure you've made the right choice because you've got all the information you need to make a wisedecision. It begins by having an experienced real estate broker on your side. Before you know it, you'll be wondering why youtook so long to make the move. And chances are you'll call Maine your home, even if you're a seasonal resident. Call to discuss your search for Maine real estate. 800-293-4416 Search Maine Real Estate Listings | Maine Modular Home Builder | Maine Custom Home Builder Maine Life | Maine Home Buying Tips | Maine Broker Profile Maine Lodging | Maine Travelogues | Why You Need a Buyer's Broker | Client Testimonials

Real Estate Brokers and

Real estate brokers and sales agents Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov Search the Handbook BLS Home | OOH Home | Frequently Asked Questions | A-Z Index | Contact Us Printer-friendly version ( HTML ) -- PDF ) -- Real Estate Brokers and Sales Agents Nature of the Work Working Conditions Training, Other Qualifications, and Advancement Employment Job Outlook Earnings Related Occupations Sources of Additional Information Significant Points Real estate brokers and sales agents often work evenings and weekends and usually are on call to suit the needs of clients. A license is required in every State and the District of Columbia. Although gaining a job may be relatively easy, beginning workers may face competition fromwell-established, more experienced agents and brokers in obtaining listings and in closing an adequate number of sales. Employment is sensitive to swings in the economy, especially interest rates; during periodsof declining economic activity and increasing interest rates, the volume of sales and the resultingdemand for sales workers fall. Nature of the Work [ About this section ] Back to Top One of the most complex and significant financial events in peoples lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers. Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agents sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business. Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amount of time obtaining listings—agreements by owners to place properties for sale with the firm. When listing a property for sale, agents and brokers compare the listed property with similar properties that recently sold, in order to determine a competitive market price for the property. Once the property is sold, both the agent who sold it and the agent who obtained the listing receive a portion of the commission. Thus, agents who sell a property that they themselves have listed can increase their commission. Most real estate brokers and sales agents sell residential property. A small number—usually employed in large or specialized firms—sell commercial, industrial, agricultural, or other types of real estate. Every specialty requires knowledge of that particular type of property and clientele. Selling or leasing business property requires an understanding of leasing practices, business trends, and the location of the property. Agents who sell or lease industrial properties must know about the regions transportation, utilities, and labor supply. Whatever the type of property, the agent or broker must know how to meet the clients particular requirements. Before showing residential properties to potential buyers, agents meet with them to get a feeling for the type of home the buyers would like. In this prequalifying phase, the agent determines how much the buyers can afford to spend. In addition, the agent and the buyer usually sign a loyalty contract which states that the agent will be the only one to show houses to buyers. An agent or broker then generates lists of properties for sale, their location and description, and available sources of financing. In some cases, agents and brokers use computers to give buyers a virtual tour of properties in which they are interested. With a computer, buyers can view interior and exterior images or floor plans without leaving the real estate office. Agents may meet several times with prospective buyers to discuss and visit available properties. Agents identify and emphasize the most pertinent selling points. To a young family looking for a house, they may emphasize the convenient floor plan, the areas low crime rate, and the proximity to schools and shopping centers. To a potential investor, they may point out the tax advantages of owning a rental property and the ease of finding a renter. If bargaining over price becomes necessary, agents must follow their clients instructions carefully and may have to present counteroffers in order to get the best possible price. Once both parties have signed the contract, the real estate broker or agent must make sure that all special terms of the contract are met before the closing date. For example, the agent must make sure that the mandated and agreed-upon inspections, including that of the home and termite and radon inspections, take place. Also, if the seller agrees to any repairs, the broker or agent must see that they are made. Increasingly, brokers and agents are handling environmental problems as well, by making sure that the properties they sell meet environmental regulations. For example, they may be responsible for dealing with lead paint on the walls. While loan officers, attorneys, or other persons handle many details, the agent must ensure that they are carried out. Working Conditions [ About this section ] Back to Top Advances in telecommunications and the ability to retrieve data about properties over the Internet allow many real estate brokers and sales agents to work out of their homes instead of real estate offices. Even with this convenience, much of the time of these workers is spent away from their desks—showing properties to customers, analyzing properties for sale, meeting with prospective clients, or researching the state of the market. Agents and brokers often work more than a standard 40-hour week. They usually work evenings and weekends and are always on call to suit the needs of clients. Although the hours are long and frequently irregular, most agents and brokers have the freedom to determine their own schedule. Consequently, they can arrange their work so that they can have time off when they want it. Business usually is slower during the winter season. Training, Other Qualifications, and Advancement [ About this section ] Back to Top In every State and the District of Columbia, real estate brokers and sales agents must be licensed. Prospective agents must be high school graduates, be at least 18 years old, and pass a written test. The examination—more comprehensive for brokers than for agents—includes questions on basic real estate transactions and laws affecting the sale of property. Most States require candidates for the general sales license to complete between 30 and 90 hours of classroom instruction. Those seeking a brokers license need between 60 and 90 hours of formal training and a specific amount of experience selling real estate, usually 1 to 3 years. Some States waive the experience requirements for the brokers license for applicants who have a bachelors degree in real estate. State licenses typically must be renewed every 1 or 2 years; usually, no examination needs to be taken. However, many States require continuing education for license renewals. Prospective agents and brokers should contact the real estate licensing commission of the State in which they wish to work in order to verify the exact licensing requirements. As real estate transactions have become more legally complex, many firms have turned to college graduates to fill positions. A large number of agents and brokers have some college training. College courses in real estate, finance, business administration, statistics, economics, law, and English are helpful. For those who intend to start their own company, business courses such as marketing and accounting are as significant as courses in real estate or finance. Personality traits are equally as important as ones academic background. Brokers look for applicants who possess a pleasant personality, are honest, and present a neat appearance. Maturity, good judgment, trustworthiness, and enthusiasm for the job are required in order to encourage prospective customers in this highly competitive field. Agents should be well organized, be detail oriented, and have a good memory for names, faces, and business particulars. Those interested in jobs as real estate agents often begin in their own communities. Their knowledge of local neighborhoods is a clear advantage. Under the direction of an experienced agent, beginners learn the practical aspects of the job, including the use of computers to locate or list available properties and identify sources of financing. Many firms offer formal training programs for both beginners and experienced agents. Larger firms usually offer more extensive programs than smaller firms. More than a thousand universities, colleges, and junior colleges offer courses in real estate. At some, a student can earn an associates or bachelors degree with a major in real estate; several offer advanced degrees. Many local real estate associations that are members of the National Association of Realtors sponsor courses covering the fundamentals and legal aspects of the field. Advanced courses in mortgage financing, property development and management, and other subjects also are available. Advancement opportunities for agents may take the form of higher rates of commission. As agents gain knowledge and expertise, they become more efficient in closing a greater number of transactions and increase their earnings. In many large firms, experienced agents can advance to sales manager or general manager. Persons who have received their brokers license may open their own offices. Others with experience and training in estimating property value may become real estate appraisers, and people familiar with operating and maintaining rental properties may become property managers. (See the Handbook statements on property, real estate, and community association managers ; and appraisers and assessors of real estate . ) Experienced agents and brokers with a thorough knowledge of business conditions and property values in their localities may enter mortgage financing or real estate investment counseling. Employment [ About this section ] Back to Top In 2004, real estate brokers and sales agents held about 460,000 jobs; real estate sales agents held approximately 24 percent of these jobs. Many worked part time, combining their real estate activities with other careers. About 6 out of 10 real estate agents and brokers were self-employed. Real estate is sold in all areas, but employment is concentrated in large urban areas and in rapidly growing communities. Most real estate firms are relatively small; indeed, some are one-person businesses. By contrast, some large real estate firms have several hundred agents operating out of numerous branch offices. Many brokers have franchise agreements with national or regional real estate organizations. Under this type of arrangement, the broker pays a fee in exchange for the privilege of using the more widely known name of the parent organization. Although franchised brokers often receive help in training sales staff and running their offices, they bear the ultimate responsibility for the success or failure of their firms. Real estate brokers and sales agents are older, on average, than most other workers. Historically, many homemakers and retired persons were attracted to real estate sales by the flexible and part-time work schedules characteristic of the field. These individuals could enter, leave, and later return to the occupation, depending on the strength of the real estate market, their family responsibilities, or other personal circumstances. Recently, however, the attractiveness of part-time real estate work has declined, as increasingly complex legal and technological requirements are raising startup costs associated with becoming an agent. Job Outlook [ About this section ] Back to Top Employment of real estate brokers and sales agents is expected to grow about as fast as average for all occupations through the year 2014, because of the increasing housing needs of a growing population, as well as the perception that real estate is a good investment. Relatively low interest rates should continue to stimulate sales of real estate, resulting in the need for more agents and brokers. In addition, a large number of job openings will arise each year from the need to replace workers who transfer to other occupations or leave the labor force. However, job growth will be somewhat limited by the increasing use of technology, which is improving the productivity of agents and brokers. For example, prospective customers often can perform their own searches for properties that meet their criteria by accessing real estate information on the Internet. The increasing use of technology is likely to be more detrimental to part-time or temporary real estate agents than to full-time agents, because part-time agents generally are not able to compete with full-time agents who have invested in new technology. Changing legal requirements, such as disclosure laws, also may dissuade some who are not serious about practicing full time from continuing to work part time. This occupation is relatively easy to enter and is attractive because of its flexible working conditions; the high interest in, and familiarity with, local real estate markets that entrants often have; and the potential for high earnings. Therefore, although gaining a job as a real estate agent or broker may be relatively easy, beginning agents and brokers may face competition from their well-established, more experienced counterparts in obtaining listings and in closing an adequate number of sales. Well-trained, ambitious people who enjoy selling—particularly those with extensive social and business connections in their communities—should have the best chance for success. Employment of real estate brokers and sales agents often is sensitive to swings in the economy, especially interest rates. During periods of declining economic activity and increasing interest rates, the volume of sales and the resulting demand for sales workers falls. As a result, the earnings of agents and brokers decline, and many work fewer hours or leave the occupation altogether. Earnings [ About this section ] Back to Top The median annual earnings of salaried real estate sales agents, including commissions, were $35,670 in May 2004.The middle 50 percent earned between $23,500 and $58,110 a year.The lowest 10 percent earned less than $17,600, and the highest 10 percent earned more than $92,770.Median hourly earnings in the industries employing the largest number of real estate sales agents in May 2004 were as follows: Residential building construction $54,770 Offices of real estate agents and brokers 37,970 Activities related to real estate 32,460 Lessors of real estate 25,840 Median annual earnings of salaried real estate brokers, including commission, were $58,720in May 2004. The middle 50 percent earned between $33,480 and $99,820 a year.Median annual earning of real estate brokers were $61,550 in offices of real estateagents and brokers and $44,920 in activities related to real estate. Commissions on sales are the main source of earnings of real estate agents and brokers.The rate of commission varies according to whatever the agent and broker agree on, the typeof property, and its value. The percentage paid on the sale of farm and commercialproperties or unimproved land is typically higher than the percentage paid for selling a home. Commissions may be divided among several agents and brokers. When the property issold, the broker or agent who obtained the listing usually shares the commission with thebroker or agent who made the sale and with the firm that employs each of them. Although anagents share varies greatly from one firm to another, often it is about half of the totalamount received by the firm. Agents who both list and sell a property maximize their commission. Income usually increases as an agent gains experience, but individual motivation,economic conditions, and the type and location of the property also affect earnings.Sales workers who are active in community organizations and in local real estate associationscan broaden their contacts and increase their earnings. A beginners earnings often areirregular, because a few weeks or even months may go by without a sale. Although some brokersallow an agent to draw against future earnings from a special account, the practice is notcommon with new employees. The beginner, therefore, should have enough money to live forabout 6 months or until commissions increase. Related Occupations [ About this section ] Back to Top Selling expensive items such as homes requires maturity, tact, and a sense of responsibility.Other sales workers who find these character traits important in their workinclude insurance sales agents ; retail salespersons ; sales representatives, wholesale and manufacturing ; and securities, commodities, and financial services sales agents .Although not involving sales, the work of property, real estate, and community association managers ,as well as appraisers and assessors of real estate, requires an understanding of real estate. Sources of Additional Information [ About this section ] Back to Top Disclaimer: Links to non-BLS Internet sites are provided for your convenience and do not constitute an endorsement. Information on licensing requirements for real estate brokers and sales agents is available from most local real estate organizations or from the State real estate commission or board. More information about opportunities in real estate is available on the Internet site of the following organization: National Association of Realtors. Internet: http://www.realtor.org OOH ONET Codes [ About this section ] Back to Top 41-9021.00, 41-9022.00 Suggested citation: Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook , 2006-07 Edition , Real Estate Brokers and Sales Agents , on the Internet at http://www.bls.gov/oco/ ocos120.htm (visited December 29, 2005 ). Last Modified Date: December 20, 2005 Occupations: Management | Professional | Service | Sales | Administrative | Farming | Construction | Installation | Production | Transportation | Armed Forces Related Links: Tomorrow's Jobs | OOH Reprints | Important Info | How to Order a Copy | Teacher's Guide to OOH Additional Links: Career Guide to Industries | Career articles from the OOQ | Employment Projections | Publications Home | BLS Home Back to Top www.dol.gov Frequently Asked Questions | Freedom of Information Act | Customer Survey Privacy & Security Statement | Linking to Our Site | Accessibility U.S. Bureau of Labor Statistics Office of Occupational Statistics and Employment Projections Suite 2135 2 Massachusetts Avenue, NE Washington, DC 20212-0001 URL: http://www.bls.gov/OCO/ Phone: (202) 691-5700 Fax: (202) 691-5745 Do you have a question about the Occupational Outlook Handbook ? Technical (web) questions: webmaster@bls.gov Other comments: feedback@bls.gov Occupations: Management Professional Service Sales Administrative Farming Construction Installation Production Transportation Armed Forces Related Links: Tomorrow's Jobs OOH Reprints Important Info How to Order a Copy Teacher's Guide to OOH Additional Links: Career Guide to Industries Career articles from the OOQ Employment Projections Publications Home BLS Home

Home Equity Line of

Home Equity Loans/Lines Overview Fixed-Rate Second Mortgage Home Equity Line of Credit Visa Platinum PowerHouse Loan Serving Members Since 1936 ONLINE BANKING Mortgage Calculator Rates & Terms Equifax: Get Your Credit Report New Account Identification Fixed-Rate Second Mortgage When you need money, the equity in your home can be one of your greatest financial resources. And with a Fixed-Rate Second Mortgage, you can borrow up to 100% of your home's value. You can use this equity in your home to pay off high-rate credit cards, make homeimprovements, finance your child's education, or finally take your dream vacation. Low, fixed rates Interest potentially tax deductible * Fixed terms up to 25 years Available for both owner occupied and non-owner occupied properties No maximum loan amount No pre-payment penalty Borrow as little at $10,000 Apply online! [ Back To Top ] Interest-Only Home Equity Line of Credit With USEs Interest-Only Home Equity Line of Credit, you can make the big purchases or investments you have been dreaming about while paying only the interest on a monthly basis. And with an introductory rate as low as only 6.50% APR* , you can get the cash you need for one low monthly payment. You can access your Interest-Only HELOC through a checkbook or ATM card. Low, variable rates APR as low as 6.50% for the first six months * Credit lines up to $500,000 No points, fees, or upfront costs ** Checkbook and ATM access No annual fee Primary residence or rental property - same low rate One of the industrys lowest floors (1.00%) and ceilings(11.99%) Tax-deductible interest in most cases *** Apply online! *Rates effective as of 12/1/2005. An introductory Annual Percentage Rate (APR) as low as Prime Rate minus 0.50% is valid for the first 6 months from the date of loan origination. Currently, your discounted rate would be as low as 6.50% APR. Thereafter, your rate may be as low as the Prime Rate, as published in The Wall Street Journal, which is currently 7.00%. Prime Rate may change at any time, although your rate is subject to change quarterly. The maximum APR is 11.99%. The $35 Annual Fee is waived for the first year and assessed on your anniversary date any year thereafter when your balance is less than $10,000. To qualify for the lowest rate, members must have above-average established credit and meet certain loan-to-value ratios. For loan amounts in excess of $250,000, the borrower is responsible for paying all actual costs incurred, based on the loan amount established. Offer available for new home equity lines of credit on both owner- and non-owner occupied, 1-4 unit properties, in the state of California. If the loan is closed within the first three years from the origination date, an Early Account Closure Fee may be assessed on loans with credit limits of $250,000 or less. A Reconveyance Fee will be charged when your loan is paid in full. Consult your tax advisor regarding the tax deductibility of interest. Certain limitations apply. Loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. [ Back To Top ] Home Equity Line of Credit Platinum Visa With USE's Home Equity Line of Credit Platinum Visa, you can access the equity in your home with the convenience of a Platinum Visa credit card. And, at an introductory rate as low as only 6.50% APR * , it's the low-rate opportunity of a lifetime. Use your Home Equity Line of Credit for just about anything, like purchasing a new car, paying for your child's education, taking your dream vacation, or remodeling your home. Low, variable rates APR as low as 6.50% for the first six months * Credit lines up to $500,000 No points, fees, or upfront costs * Platinum Visa, check, or cash access No annual fee * Primary residence or rental property - same low rate 100% tax-deductible interest * One of the industry's lowest floors (1.00%) and ceilings (11.99%) Apply online! For important disclosure information, click here . *Rates effective as of 12/1/2005. An introductory Annual Percentage Rate (APR) as low as Prime Rate minus 0.50% is valid for the first 6 months from the date of loan origination. Currently, your discounted rate would be as low as 6.50% APR. Thereafter, your rate may be as low as the Prime Rate, as published in The Wall Street Journal, which is currently 7.00%. Prime Rate may change at any time, although your rate is subject to change quarterly. The maximum APR is 11.99%. The $35 Annual Fee is waived for the first year and assessed on your anniversary date any year thereafter when your balance is less than $10,000. To qualify for the lowest rate, members must have above-average established credit and meet certain loan-to-value ratios. For loan amounts in excess of $250,000, the borrower is responsible for paying all actual costs incurred, based on the loan amount established. Offer available for new home equity lines of credit on both owner- and non-owner occupied, 1-4 unit properties, in the state of California. If the loan is closed within the first three years from the origination date, an Early Account Closure Fee may be assessed on loans with credit limits of $250,000 or less. A Reconveyance Fee will be charged when your loan is paid in full. Consult your tax advisor regarding the tax deductibility of interest. Certain limitations apply. Loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. [ Back To Top ] PowerHouse Loan The PowerHouse Loan is based on your creditworthiness not the equity in your home. Therefore, you can access the funds youneed even if you only recently purchased your home. Low, fixed rates Interest Potentially Tax Deductible * No appraisal required Borrow $5,000 to $15,000 5- to 7-year terms In most circumstances, funds can be available in as little as 10 days No pre-payment penalty Available on owner occupied properties only Apply online! Special Note: Even if you currently have a Home Equity Credit Line or Second Trust Deed with USE, you may still qualify for aPowerHouse Loan. However, if your equity credit line or second trust deed is held by another financial institution, we cannot arrangea PowerHouse Loan unless we pay off the existing loan. Owner-occupied residences only. [ Back To Top ] All loans are subject to approval. Home Equity and PowerHouse Loans are not available when your first mortgage has a balloon payment. California properties only. A fee will be charged for reconveyance when your loan is paid in full.*Please consult with your tax advisor for IRS guidelines on the deductibility of interest payments. Home Equity Line of Credit (HELOC) Platinum Visa * Annual Percentage Rate 6.50 % Variable Rate Information Annual Percentage Rate varies quarterly based on the Wall Street Journal Prime Rate plus a margin. Variable Rate not to exceed 11.99% or be less than 1.00%. Grace period for the repayment of the balance of purchases On new purchases paid in full by payment due date as set forth on your periodic statement. Method of computing the balance for purchases Average Daily Balance Method(including current transactions) Annual Fee $35.00. Waived for the first year; waived if balance is $10,000 or greater. Cash Advance Fee None Late Payment Charge $10.00 if your minimum monthly payment is more than 10 days late Overlimit Fee $10.00 for each billing cycle we receive a purchase or advance which causes you to be over the limit. Effective Date December 1, 2005 * Index of 7.00% - 0.50% = 6.50%. Index of 7.00% + 1.50% = 8.50%, effectiveDecember 1, 2005.Rates and Terms subject to change at any time. USE is an Equal Housing Lender [ Back To Top ]