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British Expat: Expat World: Moving to Spain: Buying Property in Spain - the Rights Group glossary British Expat Magazine | British Expat Forum | British Expat Country Forum | British Expat Classifieds | British Expat Mail | British Expat Shop British Expat Tax Havens Banking Anonymous ATM Cards BVI IBC Panama Company Gibraltar Company News, humour and information for Brits worldwide! Sitesearch powered by Web British Expat BE HOME PAGE EXPAT WORLD Resources Bulgaria France Germany Ireland Malta Poland Spain Moving to Spain English Lessons Features Switzerland Bahrain Cambodia China India Indonesia Israel & Occupied Territories Korea Malaysia Singapore Thailand Turkey Australia Fiji New Zealand Samoa Canada Costa Rica Mexico USA Botswana Ethiopia Ghana Malawi South Africa Tanzania Tunisia Uganda ABOUT BE Spain > Moving to Spain > Buying Property in Spain - the Rights Group glossary Buying Property in Spain - The Rights Group's Glossary of Property terms by Mark FR Wilkins Our colleagues at Overseas Property Professional have reported that Britons have spent £12 billion on second homes over the last two years, based on new statistics from the UK Office for National Statistics. Apparently, Britons are spending £6 billion a year on the purchase of second homes a staggering £4 billion more than two years ago. We at The Rights Group felt it would be useful to put together a glossary of terms that we use every day but which may be a little alien to would-be property purchasers in Spain. We are constantly striving to increase the level of information available to Northern Europeans who may be attracted to the idea of buying in Spain but who may equally be daunted by the press in recent months, which has portrayed our market as a den of thieves. It's not, particularly if you approach it with your eyes wide open seeking advice and assistance early in your quest for your dream property and making certain that the professional advice you receive is wholly independent. We see this as a "living" glossary, so if you come across words and phrases that could usefully be added please let me know at mark@therightsgroup.com . We hope you'll find it useful. Abogado Lawyer Adosado - Semi-detached or town house Aire acondicionado Air conditioning Agua Water Agua potable Drinking water Albañil - Bricklayer Alfombra - Carpet Amortización - Depreciation, Redemption Antigüedad(es) / Tienda de Antique/Antique shop Aparcamiento - Parking Arquitecto - Architect Armario Cupboard, wardrobe Asesoría Económica Accountant, Financial adviser Balcón Balcony Banco/cuenta de/tarjeta de - Bank/bank account/bank card Baño Bath/WC Barbacoa Barbecue Basura - Rubbish bins and rubbish taxes Bombilla Light bulb Buzón - Mailbox Caja de Ahorros - Savings bank Calefacción central Central heating Campo - Countryside Cargas Land charges registered against the property Carpintero Joiner Casa unifamiliar - Detached house Casita - Cottage Certificado registral - Certificate showing debts attaching to a property Chalet Villa Cocina Kitchen Comedor Dining room Comunidad de propietarios Committee of property owners Constructor - Builder Construido - Built area, of property Construir - Build Contable Accountant Contrato de Compraventa Privado - Property sales contract Costa del Sol Sun Coast Costa de la Luz Coast of Light Costa Blanca White Coast Corriente - Electricity Cortijo - A country property inland with farming roots Cuarto de Baño - Bathroom Cuenta de Banco - Bank account Documento privado - Private document Documento público - Public document Dormitorio - Bedroom Ducha Shower Duplex Apartment over two floors Ebanista Joiner Edificio Building Electricista Electrician Escayolista - Plasterer Escritura - Deeds of ownership Escritura pública de compraventa - Title Deeds Euribor Variable interest rate set by European banks Fontanero - Plumber Finca Farm house or small estate Fin de Obra Formal Completion of Works on a new property Fuente - Fountain Garaje - Garage Gas Butano Butane gas, often used for cooking and water heating Gestoría Specialists used to obtain official authorisations, permits and licences Habitación A Room Hipoteca - Mortgage IBI: Impuesto sobre Bienes Inmuebles - Property tax levied yearly Impuesto extraordinario sobre el patrimonio - Wealth Tax - extraordinary tax on assets Impuesto sobre el Incremento del Valor de los Terrenos - Tax on the increase of land value Impuesto sobre el patrimonio - Capital gains tax Incremento de patrimonio A Capital gain Inmobiliaria/agente - Estate agent Inversión en terreno - Land investment ITP Impuesto sobre Transmisiones Patrionales - Property Transfer Tax of 7% levied on all re-sale property IVA VAT Jardn - Garden Ladrillo Brick Libre de cargas Debt free Libro del edificio - Documents from the promoter when building is finished Licencia de obra - Building permission Licencia de prima ocupación Licence to occupy a completed property Limpiadora Cleaner Luz - Electricity Madera Wood Mármol - Marble Martillo - Hammer Metros cuadrados Square metres units floor area is measured in N.I.E. - Identity Number for Foreigners required for a property purchase Notario - Notary records the legal details of property and land sales Nota Simple - Certificate from Property Registry Obra nueva - Document certifying a new building Oferta vinculante - Bank document specifying mortgage conditions Ordenador Computer Pago en efectivo - Cash payment Parcela - Lot or plot Pestillo Door lock Pintor - Painter Piscina - Swimming pool Piso - Apartment Playa - Beach Plusvalía - Municipal Capital gains tax on the sale of property Poder Power of Attorney Pozo - Well Préstamo Loan Préstamo con techo Loan with variable interest with fixed minimum and maximum Préstamo hipotecario - Mortgage loan Pueblo - Town or village Puerta - Door Registro de la Propiedad - Register of Property Ownership Representante fiscal Foreigner's official tax representative Resale Property A second hand property, already registered at the property register in Spain. Residencia - Residency permit Residente - Resident Sala, salón - Lounge Se vende or en venta - For sale Se alquila For Rent Sevillana - Electricity company Seguro de amortización de préstamos - Loan repayment insurance Seguro Multirriesgo Hogar - House insurance Señal Deposit or down payment Solar - Lot for building Sótano Basement Subasta - Auction Tarjeta de Banco - Bank card Tasación - Independent valuation of property Tasa de cambio Exchange rate Tasadores Official Bank Valuers Techo - Roof Teja - Roof tile Terraza - Terrace Terreno - Land, plot of land Terreno en venta - Land for sale Terreno para construir - Building land on the Costa del Sol Tipo de interés - Rate of interest Título de propiedad - Deeds stating the ownership of property, date of sale etc. Trastero - Storeroom Valor Catastral - Assessed value of property for tax purposes Vidriero Glazier Yesero - Plasterer Yeso Plaster Compilation © Mark F R Wilkins 2005 (Marbella) Mark F R Wilkins The Rights Group SL email: mark(AT)therightsgroup.com website: www.therightsgroup.com tel.: +34 600 343 917 +34 952 930 435 Other links in this section Buying Property in Spain - the pitfalls! Why are property prices going through the roof? Relocation, Relocation, Relocation - Deciding to Move Buying Habits and New Hot Spots What made me up sticks? Relocation, Relocation, Relocation - Arriving in Spain Relocation, Relocation, Relocation - Checklist for a move to Spain Relocation, Relocation, Relocation - Sun, Sea and Risk The Rights Group Guide - How to Avoid... Part 1 Expat Websites in Spain Other relevant BE pages English Lessons: The Bonk On The Bitch English Lessons: A Lesson At Christmas English Lessons: The Pain In Spain English Lessons: Get Into The Bit English Lessons: Strong Arms And The Law English Lessons: Tiptoe Through The Tutus English Lessons: Chicken Chests And Cheeps English Lessons: Never Forget Lesson Number One English Lessons: Lesson Number One English Lessons: May And Daisy, Sam And Ella Canada for Brits: Property Canada Property: A Land of Opportunities Expat Resources: Property Tax: Let Property Property: UK Property Links Property: Investing in property Property index Expats Near You: Spain Spain Features: Fiesta Fireworks! Spain Features: Siesta in the Sierra Spain Features: I'm Turning into a Nomad (Part One) Spain Features: I'm Turning Into A Nomad (Part Two) Property: Selling your home in the UK Property: UK Buy to Let Spain Features: Hiring a Car in Spain Spain Features: Renting a Villa - Tips Spain Features: Having a Baby in Tenerife Spain Features: Feria at Sierra de Yeguas Spain Features: Renting a Villa Spain Features: Learning Spanish Spain Features: Shopping in Spain Spain Features: Timekeeping in Spain Back to Top EXPAT SERVICES Webmail Newsletter Send free eCards Buy BE stuff! BOOK NOW Flights Top Deals Hotels Holidays Published by British Expat Ltd © 2000-2005 All rights reserved Your use of this site constitutes acceptance of our Terms & conditions Privacy policy | Security policy | Morality policy | Advertising policy | Contact us Powered by Typo3 with additional scripting by ICi Technology Many thanks to sillyart.com for the "man with suitcase" logo

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Florida Real Estate Florida Real Estate Alabama Real Estate Alaska Real Estate Arizona Real Estate Arkansas Real Estate California Real Estate Colorado Real Estate Connecticut Real Estate Delaware Real Estate Florida Real Estate Georgia Real Estate Hawaii Real Estate Idaho Real Estate Illinois Real Estate Indiana Real Estate Iowa Real Estate Kansas Real Estate Kentucky Real Estate Louisiana Real Estate Maine Real Estate Maryland Real Estate Massachusetts Real Estate Michigan Real Estate Minnesota Real Estate Mississippi Real Estate Missouri Real Estate Montana Real Estate Nebraska Real Estate Nevada Real Estate New Hampshire Real Estate New Jersey Real Estate New Mexico Real Estate New York Real Estate North Carolina Real Estate North Dakota Real Estate Ohio Real Estate Oklahoma Real Estate Oregon Real Estate Pennsylvania Real Estate Rhode Island Real Estate South Carolina Real Estate South Dakota Real Estate Tennessee Real Estate Texas Real Estate Utah Real Estate Vermont Real Estate Virginia Real Estate Washington Real Estate West Virginia Real Estate Wisconsin Real Estate Wyoming Real Estate Welcome to the Florida section of Real Estate Guide USA. We have one of the largest listings of independentreal estate agents online. Our goal is to showcase the premier Florida real estate agent websites online. Be sure to feel out multiple real estate agents when searching so that you cansee first hand which are most responsive to your needs. We are confident all of the agents listed with us will exceed your expectations. When you contact an agent please let them know that you found them through REGuideUSA.com. FREE Property Listings - Agents add your property listings for free at eHousingMarket! Buyers browse detailed property listings with no registration! Find A Florida Real Estate Agent - Planning to Sell or Buy a Home? Compare REALTORS First. It's Fast, Free, and Anonymous! Houses in Weston, Florida - If you are thinking about buying real estate in South Florida then Weston is the place for you. Cu-inflorida- Florida Real Estate - Orlando, Naples, FortMyers,Sanibel,Englewood,Sarasota,St.Petersburg and other areas coming soon.New homes, waterfront homes and golf course properties.Residencial and Vacation homes. Luxury homes and Income properties. Naples Florida Real Estate - Naples Florida Real Estate- Search Over 7,000 Florida Properties For Sale. Free Online Relocation Package. Sign Up For An Automated Search To Receive Properties Even Before They Are Advertised. Estero Florida Real Estate - Estero Florida real estate sales and purchases. Resale homes and new product by local featured builders. Adrian Heckstall - Miami Loft Living - Trilingual South beach realtor with strong experience about real estate in Miami Beach and the Biscayne North East Corridor. Bonita Springs Florida Real Estate - Providing a superior level of informed, professional real estate services to buyers and sellers in the Bonita Springs, Naples, Estero and Fort Myers, Florida area. Naples Florida Real Estate - Ruth Bethem - No stress. No surprises. We will make finding your dream home in Naples an enjoyable and positive experience. Naples Real Estate - Naples luxury water and beachfront homes and Gulf view condos. New Homes in Sarasota, Florida - New Homes in Sarasota, Florida. See all of the new houses and condos in the waterfront, beachfront, downtown, and golf course communities. View information and floorplans from the different home builders and condo developments. Florida Real Estate Links - Home builders, new homes, retirement communites and all types of Florida real estate. Southwest Florida Real Estate - Search mls home listings in Naples, Bonita Springs, Estero and Naples. Information on area schools, local attractions,golf courses and more. South Florida Real Estate For Sale - Specializing in Broward County Real Estate including Greater Ft. Lauderdale, Parkland and Coral Springs areas. Ed Poirier can help by email. Full MLS property search in Florida. Winter Springs Real Estate - Orlando Homes for Sale - Orange County Real Estate - Real Estate and homes in Winter Springs, Orlando, Oviedo, Lake Mary, Heathrow, Tuskawilla, Winter Park, Conway, and Orange County homes. Search the MLS and find free reports! BluewaterBayHomes.com - Free property search information for Bluewater Bay Florida real estate including Niceville, Ft. Walton Beach, Destin, Crestview, Navarre, and the surrounding Northwest Florida area and beaches. Orlando Real Estate - Search 1000's of homes direct from local Multiple Listing Service. Luxury Real Estate to condos. Comprehensive relocation site hosted by Scott Taylor-REALTOR, P.A. , Century 21 Elite Properties Find New Homes in Florida - Findnewhomesinflorida.com is a site for real estate, homes, communities, and realtors in Florida.com A Palm Beach Real Estate Co. to 1.5% Cash Back ! - to 1.5% Cash Back to all home Buyers in Palm Beach County. We Rebate to 1.5% cash back on new construction in the whole state! 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Miami Beach & Fort Lauderdale Real Estate - The Condo Company is a highly specialized real estate agency that focuses on the South Florida condominium market. Sarasota beachfront real estate - Connie Belmont - I submitted 12 requests for reciprocal links for this website plus 11 others for which I am the webmaster over a week ago. None of them appear on your "florida_real_estate.html page. Are you going to add them or should I just delete the links to you. St Augustine Condos Crescent Beach Florida For Sale - We specialize in selling Oceanfront condominiums in the St Augustine and Crescent Beach areas of Florida. Kissimmee Real Estate - South Orlando Homes - Osceola County Relocation - Real Estate and homes in Kissimmee, South Orlando, Clermont, Haines City, Celebration, Lake County, Polk County, and Osceola County. Specializing in real estate investments. 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Boca Agency Real Estate - listings & homes for sale in South East Florida - South East Florida local real estate family operates in North Dade, Broward and South Palm Beach Counties. It is your home on the Internet to find listings, local information to help you buy, build, sell, finance, move, improve your home. We also speak Russian. Sarasota Luxury Homes - Derrick Bhayat - Let a Certified International Luxury Real Estate Specialist help you find your perfect new home in Sarasota or Longboat Key Florida. Fluent in several languages. Panana City Coastal Beach Real Estate - Panama City Beach, South Walton Beaches and Coastal Hwy 30A beach Real Estate. Andree Huffine - Sarasota Bradenton Florida real estate - Let me help you by or sell real estate property in Sarasota Bradenton Osprey or Siesta Key Florida. Free community, school and golf info. Orlando Florida Real Estate Sales, Bill Ucci, Realtor. - Save Time and Money, Orlando real estate and all you ever desired to know about buying, selling or moving to the orlando area, Use the premier orlando real estate and relocation specialist! Improve your image with the right home, Visit Now! Pensacola Beach Condos - Pensacola Beach Luxury Waterfront homes and Beachfront Condos. Orlando Real Estate / Bienes Raices Florida Central - Dora Marrero, P.A., offers buyer, seller and relocation information. Dora is a bilingual Realtor who specializes in residential and commercial real estate. Use IDX to search 40,000+ listings in Metro-Orlando. Navarre Real Estate and Beach Condos - Find Navarre real Estate and beachfront condos.Residential, vacation and investment properties. ISELLMIAMI.COM - Welcome to ISELLMIAMI.COM, your primary source for properties and investments in the South Florida Real Estate Market, including Greater Miami and the Beaches, and the Gold Coast. Call 305-801-4666 Reichel Realty - Commercial real estate brokers in South Florida, Reichel Realty is uniquely positioned to handle your real estate sales, marketing and leasing needs, tenant representation, property management. Emerald Coast Real Estate Pros - Professional real estate services for the Panama City, Pensacola, Destin Florida Areas. Including; Santa Rosa Beach, Fort Walton Beach, Navarre, St George Island, Seagrove Beach, Rosemary Beach. Sarasota Real Estate Homefinder - Annette Smith, your Remax Realtor for luxury homes, condos and real estate in Sarasota Rich Stover - Sarasota Golf Course real estate - Love golf? You'll love our 80+ golf courses and the fine hoimes and condos surrounding them. Free golf, school and community info. Cheryl Stimac - Tampa Bay Florida real estate - Let me help you buy or sell real estate in Tampa Bay in all of Hillsborough or Pasco county. Free real estate, school & community info. A look at Southeast Florida New Homes - #1 Site for southeast florida real estate and new Construction. Focused on new construction as an investment vehicle for profit with limited risk. Presented by experienced realtor@ and investor. A void costly mistakes. Virtual tours, pre-construction deals. Andrew James 786-326-7776, Andrew@FloridaBeachFronts.com Punta Gorda Real Estate - Burnt Store Isles Homes - Charlotte County Relocation - Homes for sale in Punta Gorda, Punta Gorda Isles, Burnt Store Isles, Burnt Store Marina, and Charlotte County. Search the MLS and find free reports! Nokomis Real Estate - Venice Homes for Sale - Sarasota County Real Estate - Real estate in Nokomis, Sarasota, Venice, Siesta Key, Longboat Key, North Fort, Braverton, Port Charles, and Sarasota County. Search the MLS and find community info! Key West Real Estate - Casa Marina Homes - Monroe County Real Estate - Real estate and homes in Key West, Casa Marina, Sunset Key, Key Haven, Sugarloaf Key, Summerland Key, Shark Key, and Monroe County. Check out our featured listings and community links! Naples4U.com - Let Art & Sharon David help you Find the Perfect Home in Paradise. Give us a call today! Sarasota Florida real estate - Stephanie Church - I would be delighted to help you buy or sell property in the Sarasota Florida real estate market including Bradenton, Osprey, and the Longboat, Lido & Siesta Keys. Sarasota Real Estate-Siesta Homes and Condos - Sarasota luxury homes and condos on the water in Siesta Key and Longboat Key Florida. Search MLS in Sarasota with no registration. Orlando Florida Real Estate - Orlando area real estate and vacation property Miami Beach, Fl Ocean View Int'l Realty Inc - Ocean View Int'L Realty, Inc. Explore with Barbara Beltran the Miami-Dade County, Florida: communities of Miami Beach, Surfside, Bal Harbour, Bay Harbour Islands, Biscayne Park,North Bay Village, Coral Gables, Miami Shores and Miami Dade County.http://barbarabeltran.com Miami Beach, Florida, Realtor Bascom Grooms Real Estate Key West - Key West real estate company offering residential and commercial real estate sales and long term rentals. Naples Real Estate, Bonita Springs Real Estate, Estero Real Estate - Comprehensive website for all your real estate needs in Naples, Bonita Springs and Estero. FREE eMLS service, Estimated value of your home, and market reports. Naples Real Estate - Bonita Springs Homes for Sale - Collier County Relocation - Real estate and homes in Naples, Bonita Springs, Estero, Marco Island, Lee County, Fort Myers, Sanibel, Captiva, and Collier County. Search the MLS and find useful tools! Key West Real Estate - Lower Florida Keys Homes - Monroe County Relocation - Real Estate in Key West, Lower Florida Keys, Cudjoe Key, Sugar Loaf Key, Summerland Key, Big Coppitt Key, and Monroe County. Find buyer and seller tips and free reports! Sarasota Real Estate - Sarasota, Florida Real Estate. See photos of houses and condos in Sarasota, Lakewood Ranch, Lido, Casey, Bird, Longboat and Siesta Keys. Sarasota Waterfront Homes - Sarasota, Waterfront Real Estate. See photos of houses and condos on beachfront, waterfront, canalfront property in Sarasota, Lakewood Ranch, Lido, Casey, Bird, Longboat and Siesta Keys. Fort Myers Real Estate - Cape Coral Homes For Sale - Lee County Real Estate - Ft. Meyers - Real Estate and homes in Ft. Myers, Cape Coral, Bonita Springs, Ft. Myers Beach, and Lee County. Find Southwest Florida community info and get homes for sale emailed to you. Transland Financial Svcs - Florida Home Mortgage Loans - We're not just sales reps; We listen to your needs first. Thenwe build a mortgage to fit your new home or home equity refinancing needsexactly. Call us today. Vanderbilt Beach Real Estate - Golden Gate Homes for Sale - Collier County Relocation - Real estate in Vanderbilt Beach, Golden Gate, Moorings, Park Shores, Naples, Bay Colony, Bonita Springs, and Collier County. Search the MLS and find free reports! Home 2 Home Florida Real Estate ! - Luxury Homes,Villas,Condos for sale in Ft. Myers,Fort Myers Beach,Naples,Sanibel,Bonita,Cape Coral,Florida and the island of Jamaica Tampa Real Estate - Handyman special homes located in Tampa, Clearwater & St. Petersburg. We buy & sell Fl. sinkhole homes. See pictures and detailed information online. Sarasota Florida Real Estate - Sarasota Florida real estate MLS search for luxury waterfront properties including Siesta Key and Longboat Key West Palm Beach Homes for Sale - Whether you are a first time buyer or an experienced investor, you will find useful information about how to choose the "right" property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed real estate decision in today's Palm Beach County market. Naples Real Estate - Kim Rose & Dean Rose, P.A. - For all your real estate goals in Naples and Bonita Springs, Florida "Pick A Winner, Pick The Roses". Call us today! Mount Dora FL Real Estate - Website allows you to search all homes for sale in charming MOUNT DORA. This town is known as Florida's New England .Gorgeous Victorian homes and quaint cottages fill the downtown historic district, all within walking distance to some of Florida's best antique shopping and restaurants.Our family friendly town square has a beautiful fountain and park.Mount Dora offers wonderful waterfront views and boating opportunities. Lake Dora is one of 1400 lakes in Lake County and one of the "chain of lakes".From vintage historic homes, to luxurious waterfront living, Mount Dora has it all. Located just 25 miles North of Orlando and it's many attractions. Boca Raton Real Estate - Residential Real Estate firm in Boca Raton specilizing in luxury gated and country club communities. Palma Vista - Palma Vista community information and real estate listings. Destin Florida Real Estate - Destin's beach communities are comprised of Holiday Isle, Destin Beach, Henderson State Park Beach, Sandestin Beach, and the many beaches along Highway 30-A that include Seaside, Santa Rosa Beach, Blue Mountain Beach, Grayton Beach, Dune Allen Beach, Seagrove Beach, and Seacrest Beach. The Holiday Isle, Destin Beach, Henderson State Park Beach, Sandestin Beach is a new popular attraction to our area. Perdido Key Real Estate - Gulf Breeze Florida Real Estate - Spencer, Real Estate Broker Associate Kim Gibbons provides comprehensive services for Predodo Key, Gulf Breeze and Pensacola Beach Florida. Orlando, FL Real Estate - Assisting Sellers, Buyers, Investors in Downtown Orlando, Winter Park, College Park and all areas of Central Florida. Full-time, dedicated, professional realtor. Manalapan Real Estate Listings - Manalapan luxury home listings and community information. Free market evaluation of your Manalapan home. Satellite Beach Florida Real Estate | Melbourne Florida Real Estate - Entrust Realtors is a website dedicated to helping home buyers and sellers get the most out of their investment. One place for all of your Brevard Florida real estate needs. Gulf Harbour Home 2 Home Sales in Florida! - Luxury Homes,Condos,Villas,Lots for sale in the waterfront/golf course community of Gulf Harbour, located in Fort Myers, Florida. Amelia Island Real Estate - Fernandina Beach Homes - Nassau County Real Estate - Real estate and homes in Amelia Island, Fernandina Beach, Amelia Island Plantation, Summer Beach, Yulee, Oyster Bay, North Hampton, Jacksonville, and Nassau County. Find buyer seller tips and free reports! Palm Beach Gardens Real Estate - Jupiter Homes - Palm Beach County Real Estate - Real Estate and Homes for sale in Palm Beach Gardens, Jupiter, North Palm Beach, Juno Beach, Singer Island, Hobe Sound, Tequesta, Port Saint Lucie and Palm Beach County. View local MLS to have easy access to homes in your area. Lake City Florida Real Estate - Kim Krill of Remax Professionals serves the North Florida, Columbia County and Lake City, FL area specializing in single family homes and waterfront property. "Ask Greg About Central Florida Real Estate" - Search Volusia County MLS in Florida: DeLand, Deltona, DeBary. New & Resale Homes, Buyers & Sellers welcome! Home Buying & Selling Tips, and more! 386-740-5934 (office) Florida Keys Real Estate - Search and save as many Florida keys properties as you like to come back and review at a later time. be alerted whenever new properties match your criteria. Miami Real Estate - Miami Beach Real Estate - Dade County Real Estate - Daryl Kutner - Real Estate and homes for sale in Miami, Miami Beach, South Beach, Coconut Grove, Coral Gables, Brickell, Pinecrest, South Miami, Key Biscayne, and Dade County. Find buyer/seller tips, community information and more.. Citrus County Florida Real Estate - Free information on communities and Real Estate for sale in Crystal River, Homosassa, Beverly Hills, Lecanto, Inverness and Floral City Spring Hill Real Estate - Brooksville Homes for Sale - Hernando County Real Estate - Real estate in Spring Hill, Brooksville, Hernando Beach, Weeki Wachee, Masaryktown, Hudson, Citrus Springs, Homosassa, and Hernando County. Search the MLS and find school info! Mortgage Calculator - This advanced mortgage calculator allows you to calculate your monthly mortgage and see what percentage of your monthly mortgage payment will go to interest and principal. A must for any active house seeker! Real Estate Topsites - Top Real Estate Sites! We showcase the world's best Real Estate, Property and Home related websites ranked according to their popularity! Top Florida Real Estate Agents - TopAgents.biz is your one stop shop for finding qualified real estate agents in your area! We take the guesswork out of finding a realtor by listing the most popular realtors online. STARTPLANE: Florida Real Estate - Florida Real Estate Directory Add a Site about Florida Real Esate

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Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages on Yahoo! Real Estate Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Hurricane Katrina Resources Features Classifieds • Sell Your Home • Rent Your Apartment Home Loans • Mortgage Rates • Online Rate Quotes • Refinance Loans & Rates • Home Equity Loans & Rates • Free Credit Reports Resources • Find & Compare REALTORS • Find a Mover Insurance • Homeowner's Insurance • Renter's Insurance Tools • What's My Home Worth? • Research Neighborhoods • Free School Reports • Foreclosure Center • Home Service Center Commercial Real Estate • List Commercial Property National Mortgage Rates Thu Dec 29 Mtg Loan Rate APR 30-yr Fixed: 5.70% 5.88% 15-yr Fixed: 5.27% 5.57% 1-yr ARM: 4.53% 6.89% See Local Mortgage Rates Provided by Bankrate.com Neighborhood Profile Research neighborhoods nationwide! City, State, or Zip: Real Estate Listings Browse by City New! Home Loans Center - Find, Compare, & Graph Rates Find a Home Find a Rental City & State, or Zip: Price Range: $0 $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million to No limit $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Search For: Existing Homes Yahoo! Classifieds New Homes Foreclosures Advanced Search Search Commercial Real Estate Mortgage Payments Calculate your biweekly & monthly payment for different loan amounts, interest rates and amortization terms. Loan Amount: $ Term (years): Interest Rate: % Show table?: Yes No See More Loan Calculators Sponsored Links Real Estate Agent License $59 online exam prep 1st time pass guarantee all 50 US states. Free teaching assistant. www.e-realestatelicense.com CA Real Estate License Course DRE approved real estate agent, broker and appraiser license courses. Study at home. Job assistance and payment plan available. www.educationengine.com Real Estate License - CA, VA, TX or WA CA, VA, TX or WA real estate license. DRE-approved online and traditional courses with a proven 98% state-exam pass rate. 110% money-back offer. Quick and easy packages. www.realestatelicense.com (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Featured Videos Dream Home Videos by Inman Stories Real Estate News Government requirements for disclosure fail to make the grade Dec 27, 2005, Inman News Top Mistakes of Home Buyers and Sellers in 2005 Dec 29, 2005, Realty Times Housing Affordability Hits 14-Year Low Dec 22, 2005, RealEstateJournal.com Home loan applications fall to over 3-1/2-yr low Dec 28, 2005, Yahoo! Finance Weekly Home Mortgage Rates (AP) Dec 28, 2005, Yahoo! News Despite Decline, Housing Still Strong Dec 28, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages

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Is Foreclosure Investing for You? Online Catalog | Shopping Cart HOME | Foreclosure Investing | Short Sales | Articles | Financing | Commercial | Mobile Homes | Cash Flow | Legal | News Group CRE Online > Money-Making Ideas > Is Foreclosure Investing for You? Is Foreclosure Investing for You? by Ronald Starr If you are new to real estate investing and considering buying foreclosure properties, you need to be realistic about what you are facing. If you feel more sober about foreclosure investing after reading what I have written below, I will have accomplished my goal. Foreclosure investing is not a good investment approach for beginners. I recommend that you have at least a couple of years' experience with more traditional real estate investing first. The profits from foreclosure investing can be huge. That makes foreclosures attractive. There is an awful lot to know in order to avoid the problems that can occur. If you don't know what you are doing, one disastrous foreclosure investment can wipe out your capital and your enthusiasm for all real estate investing. Three ways to buy a foreclosure property There are three basic approaches to buying properties in foreclosure depending on the stage of the foreclosure process: buying pre-foreclosures, buying at the foreclosure auction, and buying from lender after the foreclosure sale. If you buy from the delinquent property owner before it goes to auction, you have bought a pre-foreclosure deal. Buying at the auction is self-explanatory. If nobody bids, the lender ends up with the property. Buying from the lender after the auction is called buying REOs (real estate owned) or Repos, (repossessions). Sometimes you will see them referred to as "corporation owned" or, my favored term, "lender owned." REOs are the least risky way to buy foreclosures You may have more risk than you would in a regular real estate transaction, but REOs are less risky than in buying at the auction. Since REOs are somewhat similar to a regular sale, they can be pretty safe. You might not get a seller's disclosure. In California, a lender who acquires a property through foreclosure does not have to offer a disclosure to you as a buyer. But, if there are problems after you buy the property, you might be able to sue the lender who sold you the property, or at least threaten to sue them, and they might make things right or pay part of the cost. There's a good chance they will still be around after the sale. The risks of buying pre-foreclosure real estate The next riskiest foreclosure purchase is the pre-foreclosure. If an owner of a pre-foreclosure disappears, you risk not getting anything from him after the sale. A pre-foreclosure seller might be desperate and lie to you about the condition of the property and the neighborhood. There might be liens on the property that the seller "forgot" to mention. The big utility bills become the buyer's responsibility if the pre-foreclosure investor failed to check them out. Ditto for unpaid property taxes. There may be another person on title who did not sign the deed, and so on. In California and, I believe, some other states, there are special laws related to dealing with and buying a property from a homeowner occupant who is in default on a loan. If the contracts and the sale are not done according to the law, the seller has the right to rescind the sale and could, long after the sale, sue to have the sale reversed. There are extreme penalties for violating the law. Remember, "Ignorance of the law is no excuse." You need to know the state law when you do pre-foreclosure investing. Can the seller can legally deed the property to you? What if the seller is already in bankruptcy? The deed is likely not valid unless it has gone through the bankruptcy court. You have to call the local bankruptcy court to check for a possible filing. And, of course, the seller could have filed bankruptcy in another bankruptcy court that you did not call. And, even if the seller does not file bankruptcy until after your purchase, you may have to deed the property back to the seller up to three years after you bought it. If selling the property made the seller destitute, and the seller sold for much below market value--which you hope he did so you could make a good profit--the bankruptcy trustee can require you to deed the property into the bankruptcy estate on the grounds that the sale was a "fraudulent transfer," wherein the seller deprived his creditors of an asset which could help pay the debts. At that point, you become a creditor of the bankruptcy estate. Is this really what you planned when you bought the "great pre-foreclosure deal"? A lot of pre-foreclosure buyers may forego some of the inspections because they are hurrying to buy before the foreclosure auction. Sometimes the buyers will give money to the owner, get a deed, and record the deed themselves in the land records office of the county. The pre-foreclosure buyer has to be very alert to a lot of possibilities and check them out. You must have superior knowledge of real estate investing before you start doing pre-foreclosure investing. But, if you sign a proper sales contract with the owner, get appropriate inspections, go through an escrow with a knowledgeable escrow agent, and look at the property yourself, you probably will not be at great risk. If you use the safeguards above, you are going to have less risk than in most foreclosure auction buys. The risk of buying at the foreclosure auction Buying at the auction is the riskiest foreclosure purchase. At the auction you have no real estate agent to lead you through the process. You have no escrow and no title report let alone title insurance. In most jurisdictions it is an all cash sale. In some states you may have a week to a month to come up with the full purchase price. If you do not raise the money, you lose your deposit. At the auction the people conducting the sale will announce that the successful bidder will receive NO WARRANTY OF ANY KIND. You have no assurance that there are not other liens or loans on the property. You do not have any inspections by contractors, roofers, pest inspectors, building inspections, water well, or septic system experts. You get no disclosure from the seller as to the condition of the building or what is happening in the neighborhood. Usually you cannot see the inside of the building; perhaps not even the back of the outside. You know nothing about the electrical system, the plumbing, the heating, or air conditioning. If you buy an occupied property, you have to do an eviction, which, in some states, can drag out for a while, preventing you from getting into the property quickly to prepare for resale. Sometimes the occupants, if they are former owners, will vandalize the properties before leaving or steal items, such as cabinets, doors, fixtures, lamps, etc. If you are buying to resell the property quickly for a profit, you had better know if your buyer can readily get title insurance when buying your foreclosed-upon property. When you get a very good deal at a foreclosure auction, you may find that the former owner files a lawsuit to attempt to overturn the sale. So be prepared to hire an attorney and fight for your profit. Experience and knowledge build your foundation Now do you begin to understand why I recommend that beginners not start investing in foreclosures? Start with simpler buying approaches and get some experience with properties, laws, ordinances, deeds, and loans, and so on to provide a foundation. Learn to do title searches as fast as the professionals. Get to know intimately the government offices that have property records and tax assessment rolls. Get to know the property values in an area where you invest. Learn about the problems with properties in different neighborhoods, such as bad soil, poor construction in certain subdivisions, problems with septic systems and wells, and soil contamination. When you have learned all that, start studying up on foreclosures. Study the foreclosure laws in your state. Study law books on the priority of liens, bidding at auctions, title insurance, and bankruptcy. When you fully understand foreclosures, start buying them. I am not trying to stop you from investing in foreclosures. They can be profitable for those who can practice it well. But, few beginners can do it well. I'm telling you to be realistic and get the background that will allow you to be successful in foreclosure investing. The field is rife with risk. You can easily lose your whole investment if you make a single mistake. Please believe me, even with all my years of real estate investing experience, it has happened to me. Good Investing, Ron Starr MORE INFORMATION More on this topic... Customers also bought...

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