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Mortgages, VA Loans, Home Loans, Debt Consolidation, Refinancing contact us home MORTGAGE LOAN AND RESEARCH The categories below will help lead you to a great list of sites that will provide you with all of the information you will need if you are looking to get a mortgage or home loan, a debt consolidation loan, or if you would like to refinance you current loan. We have searched the internet and have compiled a list of all of the best financial sources for you. MORTGAGES This is a list of great sites that will give you a variety of information about Mortgages . You will be able to find sites with loan calculator and others that can give you Interest Rate information. VA LOANS These sites will help answer any questions you may have regarding a VA Loan as well as help you find the best rates on a VA Loan. You may also get prequalified online. Find out what benefits the VA Administration is providing Veterans. Get sources for Lenders who specialize in VA Mortgages. HOME LOANS These sites will help you get the best value on your home loan and new home purchase. Find out how much money you can afford to spend on a house based on your monthly payments as well as how much you can qualify for. DEBT CONSOLIDATION These sites will show you how much money you could save by getting a debt consolidation loan. There are many advantages to this type of loan and the savings to you could be substantial as they have been to thousands of other Americans who have taken advantage a debt consolidation loan to help with credit card bills and other financial issues. REFINANCING Interest rates fluctuate on a monthly basis and it is a good idea to determine if current rates could save you money on the life of your loan. Even if rates on not better than what you current have, you could refinance your current loan to get cash-out. Mortgages VA Loans Home Loans Debt Consolidation Refinancing Apply Now!

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Homepage of the California Department of Real Estate (DRE) California Home DRE Home Contact Us What's new About DRE Careers at DRE DRE Records Consumers Escrow Violations eLicensing Examinees Licensees Subdivisions Real Estate Law Regulations Publications Forms FAQs Links Index Department of Real Estate START Examinees and Licensees: Use eLicensing for expedited processing of: Examination services Mailing address changes License renewals Salesperson additions/changes of employing broker Broker certification of salesperson employment Broker discontinuation of salesperson employment Duplicate license requests Additional services Learn to use eLicensing It's easy, paperless and interactive! Resources Key Announcements Brokers Must Report Commission Payments on 1099s Real estate brokers are required to report commission payments of $600 or more to brokers and salespersons on Form 1099-MISC, Box 7 - Nonemployee Compensation. For more information, see 1099 Reporting for Real Estate Brokers published by the Franchise Tax Board. Combination examination and license applications are now available: Broker Examination/License Sales Examination/License Expanded Services: Use eLicensing to apply for the salesperson exam Important Information About: Application Processing Timeframes Satellite Exam Sites for Salespersons and Brokers Can't find what you're looking for? Try the Index Featured Items Topics of Interest: Gulf Coast Hurricanes CalHFA First Time Homeownership Program Instructions to License Applicants Help Avoid DENIAL of Your License Application Guides for First Time Home Buyers and Renters Information for Homebuyers Apply Online for a CalVet Home Loan Predatory Lending Prevention Investigate Before You Invest Small Business and DVBE Opportunities Workers' Compensation Coverage Flex Your Power - Be Energy Efficient! Find out how you can save money, save energy, and save natural resources.   more My CA Customer Survey Course & Instructor Evaluation Back to Top of Page Conditions of Use | Privacy Policy | Tech Problems 2003 State of California This page last modified on Wednesday, December 28, 2005

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Mortgages Choice Home Mortgage Reverse Mortgages Website Production By: Contact Us Apply Online Loan Guide Welcome to ChoiceHomeMortgage.com We offer mortgage and home loan programs available from over FIFTY regional and national lenders. We can help you to purchase a new home or refinance your current one for home improvement, consolidation of debt, or just to lower your existing monthly mortgage or home loan payments. We will find for you some of the lowest mortgage and home loan interest rates lenders have to offer. Apply online , now and $ave HUNDREDS , contact us . Whether you are buying a home or refinancing your existing mortgage, Choice Home Mortgage will give you the personalized attention you deserve. In the event you have ever filed for personal bankruptcy or have past or existing credit problems, our LOAN STALKER can help you obtain the mortgage you are seeking. Please call, all information about your mortgage is kept confidential. Choice Home Mortgage Phone: 1-800-525-9940 Fax: 631-758-9201 e-mail: info@choicehomemortgage.com We write mortgages for more than 50 regional and national lenders, clients with perfect credit, and those with less than perfect credit! Apply Online | About Us | Loan Programs | Non-Conforming Loans | Step By Step Guide Loan Document Checklist | $ave Hundreds | Contact Us Registered Mortgage Broker NYS Banking Department All loans arranged through excellent third party lenders. Mortgage Rates For Conventional & Non Conforming Loans Mortgages and Home Loans For Mortgage Rates use our free quote form. Choice Home Mortgage located in Long Island NY

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Find a Property Investment Properties edition Buy to let, property development and investment opportunities Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas Find your ideal house, flat or apartment for sale or rent Find a Property - Moving made easy Find a Property - Specialist Properties - Investment Properties Investment Properties Property Edition Buy to let, property development and investment opportunities The Buy to Let market, one of the great success stories of the last ten years, has produced a growing band of happy investors buoyed up by the delights of solid capital growth and respectable rental incomes. It is, however, a cyclical market and one as subject to the laws of supply and demand as any other sector of the economy. Experts will advise that prospective investors should take pains to carefully research the local market and view the business as a medium to long term project. Viewed in that light, it remains a very solid bet and will continue as a popular option for a diverse cross-section of the population. This edition includes dozens of properties which should appeal to those motivated by high rental returns as well as those whose primary concern is capital growth. It also includes details of experienced agents who have made this sector a speciality. So if you're new to the market and need a reliable expert to lead you through the maze, if you're a seasoned player and know exactly what your looking for, or if you live overseas and need a professional all-in-one 'hands off' management service to take care of your portfolio this is the place to begin your search. Learning To Invest 20 Jul 2005 Thinking about investing in property but new to the business? Investment guru Simon Shinerock explains why it can pay to learn from the experts... Simon Shinerock More and more people these days are coming to the conclusion that the only way for them to have a chance of achieving financial security is to buy property. But is it better to leap in and learn through experience or should you attend one of the growing number of seminars on the subject? Simon Shinerock, the founder and Chief Executive of Choices Acquisitions , a very popular auction-buying service for investors, says more and more people are looking for reliable information and advice before they take the plunge. " Our regular estate agency business which started in 1989 manages over 1000 properties as well as dealing with millions of pounds of property sales and mortgages every month. " In addition, for the past four years, we have been providing auction information to potential investors, as well as sourcing investment and buy to let property from developers and agents for our clients. " Gradually it has become evident that many potential clients want more than information and advice, especially at the beginning - they want education. " In response to this need we have created a down to earth two hour seminar to introduce the novice investor to the business and to share with them some of the important lessons we have learned through our own experience." What You'll Learn The seminar business, can, of course, be an expensive route to take but Choices reckon they can teach the basics and introduce participants to their services for much less that the thousands some charge. " We are aware of two day seminars which are available at a cost of £2000 or more but we believe that what we provide for £50 is enough of a taster for most people and we have been very pleased with the positive feedback we have received, " says Simon. Seminars take place on a Saturday between 11.30 and 2.00pm at Choices modern Smallfield office near London Gatwick Airport. To book your place please call 01342 840000 or complete the email response form on their company information page Choices Acquisitions seminars, says Simon, will tell you about 1. The research we do 2. The evaluation and analysis techniques we have developed 3. Our contacts with developers and agents and how we have made them 4. How we find distress sales 5. A hot new area for property investment in the UK 6. How we can help you buy property below the market value Below are some case studies from Choices: Case Study - Buying at auction A client wanted to start a buy-to-let portfolio on a low cost basis, as they were tight on funding we identified Liverpool as a good area, we highlighted six properties at an upcoming auction all of which represented good value based on their likely selling prices (about 30 per cent above guide price and 20 per cent below market price). Our experience has shown that it is pointless going to auction with only one property in mind in these circumstances as the chance of failure is too high. We are able to arrange funding in principle from a short term lender should our client be unable to arrange a buy to let mortgage in time. At the auction we were able to secure the third lot on our list. The client needed to do some cosmetic work but the estimated return on their deposit and costs once let was 25%, on top of which the property had a market value of 15% more than cost. Incidentally at the same auction we were able to secure two more properties for other clients on a broadly similar basis. Case Study - Buying Off Plan We are constantly looking for Off Plan opportunities on behalf of many clients. Through a trade contact of ours we heard about a development which was coming to an end. The developer had seven flats remaining and was prepared to sell them at a 15 per cent discount to market value. After checking the local rental market and speaking to agent contacts we were able to place five of these properties with three clients all of whom were looking at long term rental and capital growth. Case Study - Overseas Property We heard of some excellent opportunities for high yield apartment hotel investments on Miami Beach. We went to Miami to check out the local market and were able to get in on the ground floor of a renovation of a boutique Art Deco Hotel right on South Beach. Based on the figures we were able to obtain this investment should return up to 40 per cent on deposit plus costs plus there is built in capital growth of 20 per cent based on current market values. Each unit is $395000 with a 20 per cent deposit required and guaranteed finance on the balance, the developer is guaranteeing the first year return following the renovation and the investor shares in 60 per cent of the nightly rental ($400 per night minimum 70 per cent occupancy). As a further bonus, the owner can stay in their hotel suite at any time for as long as they want. Case Study - Agency contacts Over 95% of all property sold in this country is sold through estate agents. It therefore makes sense for us to establish good relationships with agents in areas where we expect capital growth and good rental returns. We were approached by one of our contacts on the south coast in respect of a sea front property available through an offshore tax exile who wanted to sell without publicity. We were able to secure the property which comprised of several apartments on behalf of several clients. Some of the units are going to be let, some sold on and some used as holiday homes after renovation. Choices Acquisitions © Find A Property 2000-2005 Property in the Investment Properties edition London (North of Thames) London (South of Thames) Surrey & Middlesex Berkshire, Buckinghamshire, Hertfordshire & Essex Hampshire, Sussex & Kent Rest of UK Rest of Europe Rest of World Today's featured property for the Investment Properties edition... Blyth Road, London, E17, London E17 "Blyth Road, E17. A first floor end of terrace flat located on this quiet street off Lea Bridge Road. The property would benefit from some modernisation and comprises two large bedrooms, bathroom." On the market for £ 147,995 through ludlowthompson.com Rental Returns Overestimated 22 Nov 2005: Recent research from Landlord Mortgages accuses some lettings agents of exaggerating rental returns...... Landlords Remain Upbeat 26 Oct 2005: Landlords are in a bullish mood and plan to buy more properties in the months ahead, says a new survey...... How To Invest In Property 20 Oct 2005: How clued-up are you when it comes to spotting a good property investment? If you feel you could use a helping hand, Ludlow Thomson has some tips...... Fantastic Investment Opportunity In South Africa 12 May 2005: How does the prospect of investing in a brand new development at the heart of Cape Town sound? Appealing? Read on for more details...... From Coronation Street To Canary Wharf 24 Mar 2005: From the terraced houses of Coronation Street to the high-rise apartment blocks of Canary Wharf: actress Annie Hulley has become a serious player in London's buy-to-let market...... PIFS Unlikely To Conflict With Buy-To-Let 03 Mar 2005: The introduction of property investment funds (PIFs) in the UK would add value to the property market but would be unlikely to have much effect on the buy-to-let sector, says a new report...... Investors Keep Faith With Property 09 Feb 2005: Despite the recent slowdown in the housing market, investors believe that property still provides the safest home for their hard-earned money...... Buy-To-Let Confidence High 07 Jan 2005: Despite negative comment from some quarters, landlords and mortgage intermediaries remain optimistic about the investment market...... Buy-To-Let Looking Good 06 Jan 2005: Strong tenant demand is pushing up rents and boosting landlords' yields, says a new report...... Landlords Hold The Line 14 Dec 2004: Despite falling house prices, most landlords are determined to hang onto their investment properties, says a new survey...... One-bed Flats Do Well 25 Nov 2004: Landlords take note: rents on one-bed flats are outpacing the rest of the market...... Buy-To-Let To Boom 08 Nov 2004: Despite talk of a market slowdown, the coming decade should see a huge increase in the number of buy-to-let investors, says a new report...... Rents On The Rise 20 Oct 2004: Rents are on the up in many parts of the country as landlords pay more for investment properties, says Paragon Mortgages...... What Tenants Want 29 Sep 2004: Power shower or roll-top bath? Garden or trendy kitchen with mod cons? Which features will have tenants fighting over your property?...... Investors Fly To Let 20 Aug 2004: As the housing market cools in Britain, investors are starting to pack their bags and look for bargains overseas...... Landlords Stand Firm 06 Jul 2004: Buy-to-let investors are showing few signs of stress and a mere 2.7 per cent say they'll sell up if house prices start to fall...... Women Bet On Buy-To-Let 23 Jun 2004: The property industry has long been a case of jobs for the boys, but that hasn't stopped a new generation of women investors from getting a foot on the development ladder...... A Leg Up From Your Landlord 22 Sep 2003: It might sound improbable, but a clever new scheme aims to help landlords make a healthy profit while giving tenants the chance to save a deposit for their first home...... Rent: The Furniture 03 Apr 2002: If you've ever been let down by a removals company, are about to relocate to the UK with your family, or are a serious buy to let landlord, rented furniture could be just the ticket....... Tenants From Hell 16 Nov 2001: They don't come trailing sulphurous smoke in their wake and 666 is not emblazoned on their foreheads. So a new service which promises to help identify the tenants from Hell should prove very popular with landlords and letting agents...... Well Hammered 15 Oct 2001: Buy at auction, the pundits all declare, if you want to pick up a bargain. Fine if you have the confidence and expertise to bid with the best. But where do you go if you don't? Meet the man with the answer...... Local Authority 08 Dec 2000: Ex-council properties may be viewed with suspicion in some quarters but in an inflated London market they're still within reach for hard-pressed first-time buyers and an excellent prospect for canny buy-to-let investors...... All Over The Shop 17 Nov 2000: Once upon a time, high streets across the land had a butcher, a baker, a candlestick maker and people who lived contentedly above the shops...... Investment Properties Property Edition Buy to let, property development and investment opportunities This edition only includes specially selected properties. To search every property in an area select your local edition Top Top Find a Property - Home Property Search Estate Agents Property News Specialist Properties Browse All Areas © Find a Property 2004 Advertise (estate agents only) Contact us (estate agents only) Privacy Policy Terms & Conditions