REAL ESTATE BROKER PAGE

NYS DOS, Division of Licensing Services, Real Estate Broker Menu Department of State Dos Homepage | Corporations | Licensing | Local Government | Fire Prevention & Control | Commissions REAL ESTATE BROKER PAGE [ Acrobat PDF File Download Information ] Typeable PDF Form Information ] -- FORM DOWNLOAD INSTRUCTIONS: To ensure accurate printing from within Acrobat Reader, please uncheck the "scale to page" or "shrink oversized pages to paper size" settings on the Print Dialog box. What's New? Effective July 1, 2005 , the Division of Licensing Services replaced the real estate salesperson and broker walk-in examination system with an online reservation examination scheduling system for our Albany, New York City, Franklin Square, Hauppauge and Newburgh exam centers. To schedule an examination or for more information, please clickhere . IMPORTANT ADVISORY: Section 442 of the Real Property Law previously prohibited a real estate broker from paying any part of a commission to an unlicensed person, firm, corporation or LLC if the payment was intended as compensation for a service that would require a real estate license. Accordingly, the amendment of August 10, 2004 , permits a real estate broker to pay the commission earned by a licensed associate broker or salesperson to an unlicensed corporation or unlicensed LLC , if each of the shareholders of the corporation or each member of the LLC, is an individual who is licensed and properly associated with the real estate broker as a licensed associate broker or salesperson. This amendment does not entitle the associate real estate broker or real estate salesperson to be licensed or to advertise in the name of the corporation or LLC, nor will the records maintained by Department of State, Division of Licensing, reflect the name of the corporation or LLC. A licensee may NOT use the name of the corporation or LLC on business cards. LICENSING FORMS/GENERAL INFORMATION SCHOOL INFORMATION Albany, Franklin Square, Hauppauge, New York City and Newburgh Exam Information and Schedule (online) January-March 2006 Exam Information and Schedule Real Estate Qualifying Course Approval Application - 9/04 Download (153KB PDF Form) (2 pages) Binghamton, Buffalo, Plattsburgh, Rochester, Syracuse, Utica and Watertown Exam Information and Schedule (Walk in) January-March 2006 Exam Information and Schedule Real Estate Qualifying Course Approval Renewal Application - 9/04 Download (128KB PDF Form) (1 page) Real Estate License Law - 10/04 (Real Property Law, Art. 12-A, plus Related Statutes and Laws) Download (186KB PDF File) (63 pages) -- Real Estate Continuing Education Course Approval Application - 4/05 Download (18KB PDF Form) (2 pages) License Application and Instructions - 5/05 Download (21KB PDF Form) (7 pages) Real Estate Continuing Education Course Approval Renewal Application - 4/05 Download (12KB PDF Form) (1 page) Real Estate Branch Office Application and Instructions - 11/02 Download (7.15KB PDF Form) (1 page) Real Estate Instructor Application - 4/05 Download (32KB PDF Form) (2 pages) Credit Card Authorization Form - 1/04 Download (112KB PDF Form) (1 page) Fax and phone numbers for obtaining an application Technical Real Estate Instructor Application - 4/05 Download (12KB PDF Form) (2 pages) Additional Forms: (These forms are not suitable for reproduction on the Internet. See Ordering information ) Broker Change of Address Salesperson/Associate Broker Change of Association Salesperson/Associate Broker Termination of Association Uniform Irrevocable Consent and Designation/Foreign Corporation Uniform Irrevocable Consent and Designation/Individual and Partnership Reciprocity FAQ for Applicants for Real Estate Broker/Salesperson Licensure About the DOS Return to DOS Home Page DOS Accessibility Statement DOS Privacy Statement

Home Mortgage

Wisconsin Department of Veterans Affairs Primary Mortgage Loan Page | Home | About WDVA | Current Events | Forms & Brochures | News & Publications | Federal Veterans Benefits | State Veterans Benefits | Eligibility | Education Programs | Emergency Grants | Employment Assistance | Help for the Homeless | I Owe You Program | Job Retraining Grants | Loans | Military Funeral Honors | Transportation to VA Medical Appointments | Veterans Cemeteries | Veterans Homes | Veterans Memorials | Veterans Museum | Veterans Service Offices | Women Veterans | Veterans Links | Site Map | Contact WDVA | Wisconsin Department of Veterans Affairs "Making a difference in the lives of Wisconsin Veterans" > Home > State Veterans Benefits > Loans > Primary Mortgage Loan Home Loan How to Apply | Requirements | Eligibility Current Interest Rate 5.99% Don't miss out on the ADVANTAGES of a WDVA Primary Mortgage Loan! Finance up to 95% of the purchase price of an existing home or cost to construct a new home. Refinance the balance due on mortgage loans. 30-year Fixed Rate -Lower monthly principal and interest payments that will never increase. Low down payment (5% down). Low closing costs, no points . No prepayment penalty. WDVA pays the loan origination fees of veterans with 30% or more service conected disabilities. No private mortgage insurance (PMI). Lenders require PMI for loans with less than a 20% down payment. Wisconsin offers a state veterans home loan program, entitled the Primary Mortgage Loan (PML), that is different from the USDVA Home Loan Guaranty Program. The state veterans home loan may be used for: Purchase or purchase and improvement of a single family home or condominium. Construction of a new single family home. Purchase of certain existing 2 to 4-unit owner occupied residence. (Must be occupied as borrower's principal residence.) Refinance of the balance due on existing mortgage loans used for purchase, construction, or improvement of a residence. COMPARE MONTHLY PAYMENTS for a $250,000, 30 year, 5% down Conventional WDVA Savings Rate 5.85% 5.99% P&I $1,475 $1,497 PMI $163 $0 Payment $1,638 $1,497 $141 SAVE $1,692 ANNUALLY Requirements The state veterans home loan is available to: Eligible Wisconsin veterans. Members and former members of the National Guard and Reserve who have completed 6 years of continuous service under honorable conditions. Unremarried spouses and dependent children of eligible deceased veterans. Eligibility Before you can apply for a loan you must establish eligibility for Wisconsin veterans benefits and then obtain a Certificate of Eligibility. Contact your County Veterans Service Office for assistance. If you have had past benefits with WDVA, you can obtain your Certificate of Eligibility on our Web site. How To Apply Bring your WDVA Certificate of Eligibility to a participating lender when you apply for your state veterans home loan. Local banks, savings and loans, credit unions, and mortgage brokers participate in our home loan program. For More Information For loan-specific questions, call 1-800-WIS-VETS (947-8387), or email the Loan Section . For eligibility and application process questions, contact your County Veterans Service Office . The information above regarding WDVA loans is not all-inclusive and may change without notice. WARNING: The WDVA receives a statewide support lien docket listing all individuals who have a delinquent child-support obligation in Wisconsin. According to state law, the WDVA may not approve a Primary Mortgage Loan or a Home Improvement Loan for any applicant on the docket unless the applicant provides one of the following items: Provides a statement signed by the Wisconsin Department of Workforce Development or its designee showing that all delinquent obligations have been paid. A copy of a child-support repayment agreement that has been kept current for the six month period before the date the WDVA receives the application as long as no lien exists. Wisconsin Department of Veterans Affairs 30 W. Mifflin Street • Madison, WI 53703 (608) 266-1311 or toll-free 1-800-WIS-VETS (947-8387) Legal Notices and Disclaimers Email: Webmaster

Florida Real Estate

South Florida Real Estate - Homes, Condos, Apartments For Rent & For Sale - Palm Beach Post Real Estate Jobs | Autos | Classifieds | Personals | Shopping | Health | Travel Travel | Subscribe | Archives | Customer Care | Today's Paper All Residential | Condos | Luxury | Commercial | Land/Lots Neighborhood, School & Community Info Due to the storm, some information may be incomplete. ------ Search By Web ID What's a Web ID? Mapping the Housing Boom • Where The Investors Are. • Where and why prices and sales have jumped. • This Week's Housing Boom Advertisers Buying or Refinancing? • Mortgage Lender Guide | Mortgage Calculators Browse new homes in Real Estate Weekend Search the New Homes Locator Directory Find ads & articles from Residences - our guide to existing home sales View Rental ads in The BIG Apartment Magazine This month's featured... Developments | Properties | Realtors This week's... Hot Properties | Hot Rentals Must See! Open Houses Neighborhood Experts • Find a Real Estate Agent • Find a Real Estate Company • Find a Rental Agent LaPalmaInteractivo.com Clasificados • Clasificados en Español This Week's Local Commercial Real Estate • From Our Business to Business Section • Search For Sale Commercial Real Estate Listings Home Improvement • Design Center | Service Directory | Gardening New to the area? • Newcomer's Guide | Neighborhoods | Schools Local Property Values • Check Out Area Property Sales For information about advertising opportunities contact Linda Goings a product of The Palm Beach Post Classifieds ©2005 The Palm Beach Post By using PalmBeachPost.com, you accept the terms of our visitor agreement . Please read it. Customer Care | Privacy Policy | Want to advertise here? | Job Opportunities

real estate prices in

Towards Liberty International Society for Individual Liberty > Don't Get Stuck Paying "Zombie" Debt – Towards Liberty – A commentary on current events by Jarret Wollstein The Coming Real Estate Collapse – 05-24-05 – As real estate prices in much of the U.S. continues to soar, evidence is growing that both commercial and residential real estate is greatly over-priced in many of the country's hottest markets – including New York City, Boston, Washington, D.C., Miami, and much of California. One clear indication that real estate is overpriced is that rents are now a fraction of mortgage payments, and are continuing to fall in terms of real dollars. For instance, Forbes reports that cash return on income-producing real estate has fallen from 9% a few years ago, to just 5% to 7% now, and is likely to go lower. You can clearly see why rents are falling in overheated markets like California's Silicon Valley. In the San Francisco-San Jos corridor, there is currently over 33 million square feet of un-rented (and in many cases never occupied) commercial space. Last year, just 65 thousand square feet of this enormous inventory was rented. At that rate, it will take over 507 years to rent all unoccupied commercial real estate in Silicon Valley. Since most investors can't wait over half a millennium for returns on their capital, what's more likely is that commercial real estate prices in this "hot market" will soon fall like a rock. Another indication that real estate is poised for a fall, that fewer and fewer people can afford today's astronomically-priced houses. For instance, in California – where ordinary 2,000 square foot, 3-bedroom homes are going for $500,000 to $2,000,000+ – less than one family in six now qualifies to repurchase their own house. Another indications that real estate is ready for a fall: Of 362 U.S. metropolitan areas, about 15% are experiencing a housing "boom" – a three-year, inflation adjusted price gain of 30% or more – according to the Federal Deposit Insurance Corporation. That's the highest number of boom markets ever recorded in the 30 years that they have been tracked. In Americas hottest real estate markets – including the big cities in New York, Florida and California – housing prices went up by 15% to 35% in the past year alone. This is clearly unsustainable. No matter how low interest rates are and no matter how many schemes George Bush comes up with for an "ownership society," it's clear that we are rapidly reaching the point when hardly anyone can afford to buy a new house in a hot real estate market, without putting their financial future in jeopardy. So what's propping up the real estate bubble, and causing housing prices to go ever-higher, even as rents fall and commercial landlords face enormous vacancy rates? Besides artificially low interest rates, the answer, in a word, is speculation. Up to one residence in three in California is now purchased not to live in, but for resale, according to the San Francisco Chronicle . The comparable figure may be as high as one property in two in the Las Vegas area. In downtown Miami, 80% of approximately 35,000 new condos now under construction or just completed, are owned by investors – not people who actually plan on living in them – according to MoneyNews.com. Call it the triumph of delusion over reality. I can't tell you how many people have told me that real estate price "can't fall, because if they did, they would be bankrupt." In other words, because they want prices to stay up, they must stay up. If you believe that, there is a nice three-bedroom fixer-upper on a dirt lot, and on the edge of an eroding cliff, in Pacifica, California, I'd like to sell you for just $2.5 million. Buy this bargain now, before the price really goes up! (This is a real example.) In the current frenzied real market, self-delusion is rampant. In Florida's red-hot real estate market, one Miami realtor recently told the New York Times , "South Florida is working off a totally new economic model than any of us have ever experienced in the past." That's precisely what executives of dot coms told investors to justify their astronomical stock prices, just before the collapse – which triggered the destruction of over $3 trillion in stock value. Unfortunately, for many overextended home owners, property prices aren't immune to the laws of economics. Property prices can and do fall in America, as witnessed by the bear markets of 1974-75, 1980-82 and 1990-92. A personal example: One Northern California home owner I know bought his 2,000 sq. ft. house for $750,000 in 1989. In 1992, he was couldn't get $450,000 for his property, and was forced to declare bankruptcy after he lost his job. Millions of overextended American families with "interest only" and adjustable rate mortgages will likely find themselves in the same boat, when mortgage interest rates edge up above 7% or 8% – which is likely by the end of this year. (Fed Chairman Alan Greenspan has warned that we can expect at least a 2.25% increase in interest rates in 2005, on top of the 2% increase in 2004.) The brutal financial reality is that a mere 2% rise in mortgage rates, can increase ARM payments by as much as 40% – an unsustainable burden for families living on the edge. One way or another, at best , the U.S. real estate bubble has 1 to 2 more years to run before it collapses. If you or your children are among those living in overpriced homes you can barely afford, NOW is the time to sell, when the market is at or near its peak, and before prices drop by 30% or more – and they find themselves living in a Motel 6 or in your basement. To minimize taxes on the profits, reinvest in a home in a small town or rural area where prices arent so absurd, and bank the rest. Please stay in touch! Add yourself to our e-mail list. Two times per month we send an update on the activities of our members and new features at ISIL.org. Simply enter your e-mail address here and click the button. You can easily remove yourself (unsubscribe) at any time. E-mail us at isil@isil.org if you have any personal questions or comments. E-mail address: Subscribe Unsubscribe

Las Vegas real estate

Las Vegas Condos and Las Vegas Real Estate : The Condo Company SEARCH FOR LAS VEGAS CONDOS Condo Search All Cities Price From $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,250,000 $4,500,000 $4,750,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 Price To $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,250,000 $4,500,000 $4,750,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 $10,000,000 $99,000,000 SEARCH BY CITY The Strip Summerlin Downtown Henderson Lake Las Vegas Southern Highlands Anthem The Lakes Queensridge Peccole Ranch SITE MENU :· Featured Condos :· Pre Construction :· Sellers Advantage :· Advanced Search :· Terms of Use :· Contact :· Agent Log In :· Vacation Rentals :· Home LUXURY LAS VEGAS CONDO EXPERTS Not much can be said about the famed Las Vegas that has not already been covered in a multitude of movies, television shows, books, legend and lore. This celebrated city in the desert that was conceived by a well “connected” visionary has grown into one of the greatest destinations on the planet. Known as sin city, Las Vegas is the place to live out fantasies, catch a show, do some shopping and, of course, gamble. The latest venture that is sweeping the Las Vegas real estate market is the condo boom. Famed developers are now focusing their efforts on the still untapped Las Vegas condo market. Casinos such as the Hard Rock and Palms are focusing their creative energies into Las Vegas condos, and as Vegas real estate continues to climb, the value of the luxury condos will also grow. Following the business model that was so successful in South Florida, developers such as Turnberry and The Related Group are constructing opulent condos that rival the magnificent hotels for which Las Vegas is primarily known. These condos will have full spa services, concierges, magnificent gyms, rooftop pools, fabulous common area, restaurants, and much more. The excitement surrounding these new ventures is so great that celebrities from neighboring Los Angeles are getting into the game. With stars like Brad Pitt, George Clooney, Drew Carey, Leonardo DiCaprio, and Claudia Schiffer having already made investments in Las Vegas real estate, odds are good that many others will follow suit. And as the stars come, so will the enthusiasm that follows. This enthusiasm will certainly ensure that Las Vegas condos are a strong play for the savvy investor. Las Vegas Resources Las Vegas Real Estate & Condo News Appraising Las Vegas Homes: New Real Estate Value Search System (PR Web) Search appraisal market values for homes, townhomes and condos through a first of its kind automated Las Vegas real estate fair market value database. [PRWEB Dec 21, 2005] Appraising Las Vegas Homes: New Real Estate Value Search System (PR Web via Yahoo! News) Las Vegas, NV (PRWEB) December 21, 2005 -- A new searchable automated appraisal real estate market database has been created for consumers wishing to receive an instant market value for their Las Vegas Homes . This first of its kind system allows Las Vegas homeowners to input information about their home in to this appraisal database to retrieve their homes present fair market value in Las Vegas Las Vegas Poker Players 'Place Their Bets' on Las Vegas High Rise Condominiums (PR Web) Las Vegas has long been a popular gaming destination. The explosion of both online and traditional poker over the last several years has only served to increase the popularity of poker, particularly Texas Hold’em Poker, in Las Vegas. Las Vegas casinos are quickly moving to expand their poker facilities to accommodate the growing demand. As a result, many savvy professional poker players are The Condo Craze In Las Vegas May Be Cooling Off (KLAS) The condo craze in Las Vegas may be in a cooling down period. The advertising blitz for hi-end condos is aggressive. But some projects, like the well publicized "Ivana Trump Las Vegas" are failing to just break ground. Turnberry keeps rolling in Las Vegas (BizJournals) LAS VEGAS - Turnberry Associates began by turning a swamp into Aventura, but now it's negotiating to up the ante in Las Vegas and poking around Hawaii. Advertise