property listings and some

Virginia Real Estate: Charlottesville, Richmond, Northern Va Virginia Real Estate, Homes, Farms and Land, Charlottesville, Richmond, Northern VA WELCOME to the leading online Virginia real estate site for property listings and some of the finest luxury homes, land and farms for sale in the state, including equestrian acreage, beautiful country estates, condominiums and residential properties. The glorious landscape, radiant skyline and rolling hills that cascade along the country side of stately manor homes and luxurious estates that comprise our Northern Va, Richmond and Charlottesville real estate listings offer a peaceful and enlightening backdrop for raising a family and living life to its fullest. When you are ready to search for and/or sell your home and need an experienced Virginia real estate agent , consider the realtors that who strive to provide the best personalized and professional service for each and every client. We feature some of the finest Virginia MLS properties and offer experienced relocation services for Charlottesvi l le real estate , Albemarle County, Scottsville, Va., Madison, Greene, Scottsville, Augusta County, Richmond MLS, Central Va., Northern Va. and beyond... See our Statewide Exceptional Properties See our Middleburg Exceptional Properties FEATURED VIRGINIA HOMES FOR SALE Virginia Real Estate in Charlottesville, Scottsville, Augusta County, Staunton, Northern VA We maintain strategic partnerships in order to provide additional Virginia realtor and home buying , sales, services and resources in Arlington, Fairfax, Prince William County, Middleburg and Rappahannock, including homes, estates, farms and land for sale. Listing some of the most beautiful estates properties and residential real estate in Virginiahomes in the Old Dominion , o ur professional realtors, agents and luxury realty brokers are ready to find the right home for you. If you are searching for a home neighboring the nicest folk in the country, look no further than the Old Dominion, where peace of mind comes naturally. We are the Virginia realtors with residential homes for sale and luxury real estate from in and around town and across the state, not only Central Va and Richmond , but also Charlottesville, Albemarle County, Wintergreen, Staunton VA real estate , Nelson County, Greene County, Madison County, Scottsville , Augusta County, Arlington, Fairfax and Prince William County. Among our Virginia real estate listings and properties, you will find a balanced climate, and a venerable tradition of social and economic stability that have combined to create what Thomas Jefferson called "the Eden of the United States." Perhaps that is why Jefferson chose the Charlottesville country side, in the foothills of the Blue Ridge Mountains, to build his home, Monticello, and to found the University of Va. Charlottesville is a cultural hub permeating with a laid-back, enjoy-life attitude, and one of the best places to experience this first-hand is on the Historic Downtown Mall. Closed to vehicles, the Downtown Mall is a brick-paved, pedestrian-friendly row of lively restaurants, cafés, and bars—most with outdoor seating under the tall, shady oak tress, and many amplified in the evening with live local jazz, rock, funk, and more. If you decide to choose a life amidst the beauty, peace, serenity and security of the Blue Ridge Mountains, you will find that at any one time, the market offers a broad selection of properties and Va homes for sale, from Colonial farm houses to Jefferson-type estates in a wide range of prices. In addition, the market for attractive and luxurious Virginia homes for sale extends up and down the valley, from Northern to Central Va. stretching beyond the mountains to the eastern shore beaches. Take a tour in whatever location you choose with one of our qualified relocation agents or find your perfect luxury home within our pages and pages of featured property listings drawn from area association MLS multiple listing services. We offer a wide range of properties, land, houses, luxury real estate and homes for sale by owner - whether it is a country cottage or an elegant estate with farm land in Albemarle County, Va., or a condominium in Northern Virginia, we specialize in representing your interests in all aspects of the contractual process and promise to find the best available property at the best price. Our Virginia realtors and agents list some the most beautiful properties and homes and land for sale in the Charlottesville MLS/IDX, Richmond area real estate, the Shenandoah Valley, Northern Va, Arlington, Fairfax, Prince William, and Middleburg. Our selected luxury estates, residential homes, Virginia horse farms, land and equestrian real estate property range from any where around $250,000 to well over $1 million. With a plethora of beautiful estates, manor homes, luxury real estate, Virginia farms and down-home country estates, the great countryside of Virginia is a sanctuary for those looking to escape "the big-city life". Please make sure that you look through all of our estates, land and farm listings from Charlottesville, Richmond and Northern Virginia. Quick Site Map Welcome to Virginia | Virginia Home | Our Realtors & Agents | State Photo Tour | Va Realtor Services | Real Estate Services Statewide Exceptional Homes | Charlottesville, Albemarle Co. Homes | Charlottesville MLS Search | Richmond Va Real Estate Scottsville Homes for Sale in Albemarle Co. | Lynchburg, Va, Amherst County Homes | Staunton Va, Augusta Co. Real Estate Nelson County, Va, Wintergreen Properties | Madison. Greene County Properties | Northern Va Homes for Sale | Arlington Va Fairfax | Prince William County | Rappahannock Va Land & Acreage | Middleburg Homes | Middleburg Exceptional Properties About Virginia Real Estate | Moving, Relocation Resources | Moving to Charlottesville | Home Buying | Selling Your Home Charlottesville, Albemarle Co., Central Virginia Agents & Realtors | Northern Virginia Realtors | Richmond Va Area Realtors Unique Homes | Equestrian Farms | Golf Properties | Historic Homes | Waterfront Estates | Moving to Charlottesville, Va About Charlottesville Real Estate | About Albemarle County, Va | About Central Virginia | About the University of Virginia About Madison County, Greene County | About Wintergreen | About Middleburg | About Northern Va | About Richmond SITE FEEDBACK © 2000-2005 Virginia Estates/Frank Hardy Properties, All Rights Reserved 1575 State Farm Blvd, Suite 5 Charlottesville, Va 22901 directions | disclaimer | site map

Real Estate Investment Club

Jurock.com - British Columbia Real Estate Marketplace Special Christmas Offer from Jurock.com Your Ad Here Real Estate Experts LOG IN | EDIT PREFERENCES Ask a Tax Expert with David Ingram I am a Canadian citizen living in the USA. They always tell me to leave my RRSPs untouched in Canada, but I would like to use that money to buy a house in Florida. Will it make sense to take the money for this? I am planning to stay here in the USA. Read More Ask a Property Manager of Individual Homes with Denise Barker, RI(BC) Myself and my boyfriend moved into an older house in early fall, now it's full winter and we realized our woodstove lets out tons of smoke every time we open it. We try to open as little as possible but we have to put wood in to keep it going. So my ... Read More A comprehensive directory - actively maintained since 1996 Appraisals Builders and Contractors Careers and Education Developers Developments Financing Government Sites Guides and Directories Home Inspectors Insurance Investments Law Mortgage Brokers Professional Associations Property Management Real Estate Companies Realtors Recreational Property Relocating Rental Property Selling Tax Chestnuts On The Laptop, Champagne Corks In Your Eye! Facts by Email Toronto: Big Players See Potential And They May Be Right Victoria Rental Market Remains Best In Country Saskatoon Commercial Real Estate Market Has Potential What To Do When The Vendor Gets Cold Feet The 'Loon' Of The Week Friday, December 16, 2005 Pre-Sales: Are Developers Leaving Something On The Table? Or Will Buyers Feast? Insider Newsletter Condominium pre-sales in Greater Vancouver have become so common that there is little thought anymore that people are willing to lineup for hours to pay $500 a square foot for a suite they have never seen and won't be able to move into for two years or more. Latest topics from our forums whistler, whats new? Squamish pulp mill closes 2006 predictions double-ended double tricks/ Bubble, Bubble -- Then Trouble Upload listings FREE Virtual Tours Buying a Home Home Listings, Loan Info, Home Prices... Selling a Home Market analysis, Tips on Selling, Find a good realtor... Renting Rentals Search, Post your rentals Tenant Info... Commercial Commercial Listings, expert advice, Cap Rates Info... Recreational Recreational listings, insights, market reviews... Financing Mortgage Quotes, Interest Rates, Finance Calculators... THIS WEEK: Ozzie Jurock: Tips for Condo Pre-sales More Videos Real Estate Action Weekend The Insider Newsletter $297 know the latest trends learn expert investment techniques get weekly scoops on the best real estate deals plus more Personal Real Estate Business Plan $97 Create the plan that will help guide you to success See All Our Products >> Email Dispatch - Free Free weekly email with the latest Ask an Expert, mortgage rates, Real Estate Deals, and more Rental Listings #1107 - 1199 Marinaside Cr., Vancouver Downtown Condo/Apartment, - More Rentals - New Rentals This Week Your Ad Here Privacy | Security | Site Map | Advertising | FAQ | Masthead | Contact Us REAG: Canadian Real Estate Investment Club Reproduction of material from any Jurock.com pages without written permission is strictly prohibited. 2005 Jurock International Net. All rights reserved. Powered by FeatureWeb

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Maine Home Mortgage Home Page. Welcome to Maine Home Mortgage Choose Experience and the Lowest Mortgage Rates in Maine . Serving Maine for over 15 years . Now is the perfect time to take advantage of low interest ratesto purchase real estate in Maine or refinance a mortgage in Maine. Use our web site to applyfor a mortgage online , use our home mortgage tools , view our home loan programs , contactus , or learn more aboutus ! It only takes 10 minutes to apply for a Maine Home Mortgage by phone or online! Local: 1-800-LOW-RATE / Out of State: 1-800-471-5730 Free Credit Report with Mortgage Application! We offer a variety of loan application options , including a Quick Application, a Standard Application, and a 5 Step Application that allows you to log in and complete your mortgage application later. To see how easy it is to apply for a mortgage online with Maine Home Mortgage, click here . Whatever your Maine mortgage residential financing needs, we will tailor a home loan that's right for you: Purchase Refinance Construction Home Improvement Home Equity Loans Investment Properties 100% Financing Debt Consolidation Loans Stated Income Loans Damaged Credit Loans! VA/FHA Seasonal Properties And more ! Distressed Credit? Get Answers Here! SELECTED RATES. CHECK MENU FOR MORE Rate APR Disc. Points 30 Year Fixed 6.125% 6.182% 0.000 20 Year Fixed 6.000% 6.076% 0.000 15 Year Fixed 5.875% 5.970% 0.000 30 Year Fixed Jumbo 6.375% 6.384% 0.000 15 Year Fixed Jumbo 6.000% 6.015% 0.000 3/1 ARM 5.750% 7.224% 0.000 5/1 Year ARM 5.875% 8.336% 0.000 Assumptions Apply Now! Portland Lewiston Bangor Augusta Maine Home Mortgage, your experienced, statewide mortgage lender and mortgage broker, offering the lowest rates for all kinds of home loans, whether for purchase or refinance. Check rates and apply on-line, or call 1-800-471-5730. It only takes a five minutes, so apply now. Equal Housing Lender. © 2005 Maine Home Mortgage. Trade/service marks are the property of Maine Home Mortgage and/or its subsidiaries. Back to Top | Apply Now | Contact Us | Home | Privacy | Licensing DESIGNED AND POWERED BY ETRAFFICERS, LLC .

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Real Estate Loan main page Home | Search | Sitemap | Contact Us | Your Privacy | Reorder Checks Credit Cards | Account Aggregation | Mortgages | Buy Stocks | Online Banking About Us Join Us Save with Us Borrow from Us Invest/Insure with Us Your Rates Your Tools Your Business Borrow from Us Auto Loans Consumer Loans Credit Cards Real Estate Loans Apply now Rates 80/10/10 Mortgages Adjustable Rate Mortgages Construction Mortgages Fixed Rate Mortgages Flexible Mortgages Home Equity Line Of Credit Land Loans Lending Area Refinancing Zero Down Mortgages Payment Protection Whether you are buying a new home or you've decided to remodel, as a member of Redstone Federal Credit Union, you have access to many different low annual percentage rate loans and refinancing options. At RFCU, we provide you with the financial resources you'll need and the personal service you've come to expect. Take a look and please feel free to contact our Real Estate Department for more information. We'll be happy to help you decide what type of loan will work best for your particular needs. Real Estate Lending Area Click here to locate the geographic area that our real estate lending area covers. 80/10/10 Mortgages A great way to finance your new real estate purchase and have cash on hand to make improvements, renovations, or add that personal touch. Learn more.. Adjustable Rate Mortgages With our Adjustable Rate Mortgages, you can reap the benefits of our low interest rates. Learn more... Apply Now Construction Mortgages Ready to build on your dream property? Here's the best way to make it happen. Learn more... Fixed Rate Mortgages Sometimes change is good. When interest rates go up, well, let's just say you'll wish you had a Fixed Rate Mortgage with RFCU. Learn more... Apply Now Flexible Mortgages When a low down payment is what you need, we offer two types of Flexible Mortgages. Learn more... Home Equity Line Of Credit (HELOC) Hey, it's your money, put it to good use with a HELOC. Learn more... Land Loans It's a buyers market and we provide you with options of how to acquire the perfect land to call your very own. Learn more... Refinancing Are rates lower today than when you first purchased? If so, you may consider refinancing. Learn more... Apply Now Zero Down Payment Mortgages Need your cash for something other than a down payment? With our Zero Down Payment Mortgage, it's possible! Learn more..

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Home equity brochure Office of Consumer Credit Commissioner Home Equity Loans in Texas: Frequently Asked Questions Printer-friendly PDF version What is a home equity loan? How much can I borrow? Why can't I borrow against more than 80% of the home's value? How are home equity loan interest rates determined? What other costs are involved? What if I feel a lender has overcharged me on closing costs? Are there different kinds of home equity loans? Can I set up a line of credit with my home equity? How can I use the money? What if I change my mind? How many home equity loans can I have? Why do I have to wait a year to refinance a home equity loan? Could a lender foreclose on my home if I'm late paying on a car loan or a credit card? What else should I know? What are some other helpful resources? Top of Page What is a home equity loan? A home equity loan is a financial product that allows a borrower to use the market value of a home as collateral for a loan. Loans secured by real estate generally are considered safer by lenders, resulting in lower interest rates than for other types of loans. Equity is easily calculated by subtracting the amount owed on the home from the current market value. For example, if a house with a market value of $100,000 has an outstanding mortgage of $30,000, the homeowner has equity of $70,000. If there were no mortgage or other type of lien on the house, the homeowner would have $100,000 in equity. Top of Page How much can I borrow? Through home equity loans, Texans can borrow money using up to 80% of the value of their homes as collateral. Consider the example of a home valued at $100,000 with an outstanding mortgage debt of $30,000 and $70,000 worth of equity. Because homeowners are limited to borrowing no more than 80% of the home's value, the homeowner would simply calculate 80% of $100,000 ($80,000) and then subtract $30,000 to arrive at a maximum loan amount of $50,000. Total mortgage debt, including the amount of any existing mortgages plus the projected home equity lien, cannot exceed 80% of the home's current fair market value. Homeowners with 20% or less equity in their homes are not eligible for home equity loans. Top of Page Why can't I borrow against more than 80% of the home's value? Texans voted to limit the loan amount to 80% to help prevent overextensions of credit and protect our economy during times of economic slowdown. Top of Page How are home equity loan interest rates determined? Market competition and conditions determine the rates in general; the borrower's own credit history will further affect the rate offered. Home equity loans usually have lower interest rates than do other types of consumer loans, such as loans secured by personal property or loans secured simply by a borrower's signature (unsecured loans). First mortgages (the primary loan on a house) generally have the lowest interest rates. As with any financial arrangement, you should shop around to find the best deal. In the Consumer Assistance section of our Web site are links to some handy online calculators that will help you compare loan programs. Top of Page What other costs are involved? Lenders can charge certain fees, usually called closing costs, in addition to interest. On a home equity loan, closing costs cannot exceed three percent (3%) of the principal amount borrowed. Prepaid interest, also known as points, is not subject to the 3% cap. Top of Page What if I feel a lender has overcharged me on closing costs? As a savvy consumer, you should always carefully examine a loan agreement before signing it. Have the lender thoroughly explain the contract's fee structure; you'll discover that any points you've purchased are not considered part of the fee amount subject to the three percent limitation. If a lender has overcharged you, you must give the lender a chance to correct the mistake (called curing the loan) before you can take legal action against them. You need to send a written request to the lender specifying the error so that the lender can issue a corrected loan agreement and refund any amounts due. For more information on this process, contact our Consumer Helpline at 800.538.1579 or send your questions to us via e-mail . Top of Page Are there different kinds of home equity loans? No, but a home equity loan can hold either first lien or junior lien (often called second) position. If you own your home outright and take out a home equity loan, it will be considered a first mortgage because it is first in line to receive payment if the home is sold or a borrower defaults. If you refinance an existing first mortgage, and pledge some of your equity to receive cash in hand, you will still have just one-but larger-first mortgage. In this loan, generally called a cash out re-fi, the dollar difference between the original mortgage and the refinanced mortgage is the home equity loan amount. A secondary mortgage is a loan secured by a house that already has at least one other mortgage or lien. Taking out a home equity loan in addition to a first mortgage places a second lien against the home. The law prohibits a homeowner from having more than one home equity loan at a time, although a homeowner may have secondary liens from other sources, such as a home improvement loan or a tax lien. Top of Page Can I set up a line of credit with my home equity? As of September 2003, Texans can establish lines of credit using up to 50% of the value of their homes as collateral (as opposed to the 80% allowed on standard loans). Top of Page How can I use the money? However you choose. There are no legal restrictions regarding how you use your loan proceeds. Top of Page What if I change my mind? The law requires a 12-day waiting period from the time an application is taken AND a legally mandated written consumer rights notice is given to the borrower. For example, if a potential borrower submits an application on Monday, but doesn't receive a copy of the consumer rights notice until Wednesday, then the 12-day countdown would begin on Wednesday. The 12-day period is measured in calendar days (rather than business days) per the Home Equity Commentary issued by this office. Once the waiting period has passed, the loan can be closed. Further, the homeowner or homeowner's spouse may still cancel the loan agreement without penalty within three days after closing. Top of Page How many home equity loans can I have? A borrower may have only one equity loan at a time. Furthermore, it cannot be refinanced more frequently than once a year. Because of this limitation, it is crucial to shop for the best terms among lenders. It is also important, as in any credit transaction, to compare the total costs of a home equity loan to other types of credit available to the consumer. For example, a borrower might not face a prepayment penalty for early payoff of a home equity loan. However, if the loan is paid off early, a home equity loan could end up being more expensive than an unsecured loan with a higher interest rate if you paid closing costs and points. To better determine the best solution to your situation, see the financial calculators in the Consumer Assistance section of our Web site for help crunching the numbers. Top of Page Why do I have to wait a year to refinance a home equity loan? Texas voters placed this provision in the Texas Constitution as a consumer protection. Because closing costs and points are collected each time a mortgage loan is closed, generally it's not a good idea to refinance often. Top of Page Could a lender foreclose on my home if I'm late paying on a car loan or a credit card? On a standard car loan, the car itself is the collateral, and Texas law prohibits using a person's homestead as additional collateral on the same loan. However, if a homeowner decides to take out a home equity loan to pay off credit card debts or buy a car, the home is then collateral for the home equity loan and can be foreclosed on if the homeowner does not make payments on time. Top of Page What else should I know? It's always a sound practice to shop around for a loan, but don't fill out any applications until you've picked the company you definitely want to work with. Filling out too many applications may unduly harm your credit report. Before you sign on the dotted line, find out what kind of experience other consumers have had with your potential lenders. Check out lenders with the Better Business Bureau . The Office of Consumer Credit Commissioner regulates certain home equity lenders and offers a Consumer Helpline for credit-related questions at 800.538.1579. We can let you know about consumer complaints we have on file. To get more information about home equity issues or to request lender complaint files, visit our Consumer Assistance page. Other Helpful Resources Texas Office of the Attorney General Consumer Protection Hotline: 800.252.8011 Federal Trade Commission Consumer Response Center: 877.382.4357 U.S. Dept. of Housing & Urban Development Main number: 202.708.1112 State of Texas / TRAIL (Texas Records and Information Locator) Texas Finance Commission / Department of Information Resources Sunset Advisory Commission / Privacy Policy Open Records Requests En Español