Land Loan maximum now
Texas Veterans Land Board In Texas, call us Toll Free:1-800-252-VETS (8387) Outside Texas? Call 1-512-463-5060 (long distance charges apply) (PDF) -- • State Veterans Home Resident Awarded Bronze Star (PDF) • VLB is accepting nominations for naming the Texas State Veterans Home being built in Amarillo. Read the Press Release (PDF) and the Policy for Naming Texas State Veterans Homes ( Word2000 ) ( PDF ) and complete the Nomination Form ( Word2000 ) ( PDF ) • Corpus Christi awarded next Texas State Veterans Cemetery (PDF) • The Results of the October 25, 2005, FLS are now available on-line (PDF) • Watch the archived edition of the October 25, 2005, FLS Web cast • First Texas State Veterans Cemetery dedicated in Killeen (PDF) • Central Texas State Veterans Cemetery Dedication Information • James Baker III to help dedicate first Texas State Veterans Cemetery (PDF) • Rio Grande Valley State Veterans Cemetery Groundbreaking Information • Work begins on Valley's first Texas State Veterans Cemetery (PDF) The October Type I Forfeited Land Sale Handbooks are now available online (PDF) -- • Chairman Patterson visits veterans in Iraq • VLB Board Member, Mike Ussery, passes away after attending the dedication of the Texas State Veterans Home in McAllen, scheduled to open July 1, 2005. (PDF) • "Where Honor Lives" • "Voices of Veterans" Oral History Program • "Defending Freedom" A new TV Announcement honoring Texas Veterans from 1836 to today. Play Video 60 seconds High | Low Play Video 30 seconds High | Low Broadcaster Information (PDF) • Texas Veterans Voice Fall 2005 Veterans Voice Newsletter (PDF) Archived Editions of the Veterans Voice Newsletter • Media and Press Releases • Financial help available for activated Texas Reservists and National Guard members (PDF) ATTENTION-Loan Program Changes!!! VLB Land Loan maximum now $60,000. Land Loan now available for one-acre tracts. VHAP Changes Effective March 4, 2005: New-Construction housing loans must meet the U.S. Environmental Protection Agency's Energy Star ® rating as an energy efficient home. The Greenbuilding and Troops to Teachers Programs will no longer be available. The interest rate discounts previously associated with these programs will be re-directed to reducing the overall base rate for the Housing and Home Improvement Programs. The veterans with Disabilities Program discount will be available only to veterans with a VA compensable disability rated at 50% or higher. • Federal legislation filed to end discrimination in veteran loan eligibility • Convert your semiannual land loan payments to monthly payments (PDF) Message from Chairman Patterson Chairman Jerry Patterson Speaks to Veterans About the Veterans Land Board. (run time: 10:15) Play Video High | Low Land Loan Account Status Free Public Seminars and Educational Events • For Veterans • For Lenders • For Real Estate Professionals--view our upcoming events . Contact your nearest Outreach office for training opportunities. Registration for Veterans, Real Estate Professionals, and VLB Participating Lenders • Registration for Veterans to receive VLB program updates • Registration for Real Estate Professionals to receive VLB program updates • Web listing updates for VLB Participating Lenders Veterans' Resources • The National Personnel Records Center (NPRC) now accepting requests for some military records via the Internet • The Texas Veterans Commission (TVC) for information on VA benefits Laws and Rules • Laws and Rules PDF Files require the free Adobe Acrobat reader. Video media require the free Real Player . Privacy Policy Links/Accessibility Policy For our customers who are hearing impaired: The VLB TDD number is (512) 463-6367 or contact any of our program areas through Relay Texas at 1-800-735-2988. For more information, contact us .
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Crystal Mountain Michigan - Northern Michigan real estate listings, Northern Michigan property, Northern Michigan properties, Midwest real estate, Traverse City real estate listing, Traverse City real estate listings, Benzie County real estate listings Midwest and Northern Michigan Real Estate Listings and Properties at Crystal Mountain New Projects Vision 2010 Crystal Quarters Homes & Building Sites Condominiums View Current Listings RCI Vacation Exchange About Benzie County Construction Photos Looking for the perfect northern Michigan resort property? Located in Benzie County, not far from Traverse City, Michigan, Crystal Mountain has a number of northern Michigan real estate listings ranging from hotel rooms and condominiums to resort homes and northern Michigan building sites to suit your needs. Below is a list, by category, of all northern Michigan real estate properties currently available through Crystal Mountain Realty. For more information, contact us by e-mailing us at properties@crystalmountain.com , or by calling us at (800) 968-2911. Hotel Suites Condominiums Townhomes Cottages Homes Building Sites Hotel Suites Offered At: $109,900.00 COLONYSTUDIO #160 : Popular studio unit at the base of the slopes adjacent to Kinlochen Lodge. First floor unit on slopeside, whirlpool tub, fully furnished. Excellent rental history makes this an affordable four-season retreat. click for larger/additional photos Offered At: $112,900.00 COLONY STUDIO #256 : Popular studio unit at the base of the slopes adjacent to Kinlochen Lodge. Second floor on slopeside, whirlpool tub, 2 queen beds, fully furnished. Excellent rental history makes this an affordable four-season retreat. Completely remodeled in 2004 with lodge-style dcor. click for larger/additional photos Offered At: $121,900.00 HAMLET STUDIO #144 : Popular Hamlet studio unit enjoys first floor convenience and is just steps away from the slopes, pools, golf pro-shop, restaurants and future village center at Crystal Mountain. Fully furnished and completely renovated in 2002. Double whirlpool, 2 queen beds, convenient kitchenette, small outside deck and excellent rental history are but a few of its outstanding features. click for larger/additional photos Offered At: $129,900.00 HAMLET STUDIO #174 : At the base of the slopes, this popular studio offers easy access to all resort amenities and has recently had extensive interior renovation. Kitchenette, whirlpool, fully furnished and an attractive rental history. Adjacent to future village center. click for larger/additional photos Offered At: $129,900.00 HAMLET STUDIO #248 : Central location makes this suite a favorite accommodation of resort guests year round. Excellent rentals, fully furnished & completely remodeled. Double whirlpool, two queen beds, kitchenette and heat/ac unit. click for larger/additional photos Offered At: $132,900.00 HAMLET STUDIO #249 : In the center of everything! This popular studio unit offers wonderful ski slope views and and is just steps away from the slopes, pools, golf pro-shop, restaurants and future village center. Fully furnished, double whirlpool, two queen beds, convenient kitchenette, small outside deck and an excellent rental history. Sale also includes initiation fee into Four Seasons Club at the basic level. click for larger/additional photos Offered At: $132,900.00 HAMLET STUDIO #349 : Popular Hamlet studio unit enjoys first floor convenience and is just steps away from the slopes, pools, golf pro-shop, restaurants and future village center at Crystal Mountain. Fully furnished and completely renovated in 2002. Double whirlpool, 2 queen beds, convenient kitchenette, small outside deck and excellent rental history are but a few of its outstanding features. click for larger/additional photos Offered At: $137,500.00 HAMLET STUDIO #343 : This suite enjoys one of the best ski slope views and and is just steps away from the slopes, pools, golf pro-shop, restaurants and future village center. Fully furnished, double whirlpool, two queen beds, convenient kitchenette, small outside deck and an excellent rental history. click for larger/additional photos Offered At: $139,900.00 COLONY STUDIO #159 : The perfect getaway for two. This self-contained suite has a full kitchen, queen bed & queen Murphy bed, timbered mantle fireplace, sitting area, and a private bath. The Colony offers maximum convenience due to its location at the base of the slopes and adjacent to Kinlochen which houses Crystals Nordic/golf pro shop and the popular Thistle Pub & Grille. Year round rental appeal. click for larger/additional photos return to top Condominiums Offered At: $112,900.00 KINLOCHEN #340C - 1 BR/1 BA : The most peaceful corner of legendary Kinlochen-Skibo 340C. Very spacious kitchen/living area at the base of the slopes and overlooking Betsie Valleys #18 golf hole! Fireplace, whirlpool, sleeps six. Tuck away to your private, one-bedroom quarter ownership just steps away from Crystal Mountains new water park, the golf course, and the ski slopes-fun for every season. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $112,900.00 PINEHURST STUDIO #453 : The perfect weekend getaway spot. Studio unit on the 18th fairway. Near the slopes, pools and restaurants. Vaulted ceiling, kitchenette, double whirlpool, and all nicely redecorated in 2003. Excellent rental unit. click for larger/additional photos Offered At: $122,900.00 KINLOCHEN #237D - 1 BR/1 BA : Kellie Castle offers an exciting location for all seasons with its expansive ski slope view and large deck for lounging in the sun. This one-bedroom quarter ownership unit sleeps 6 and features a full kitchen, cut stone fireplace, whirlpool tub, owner's ski locker and is tastefully decorated. Luxurious accommodations and a vacation ownership property that really makes sense. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $142,900.00 KINLOCHEN #240A - 2 BR/2 BA : Luxurious quarter ownership unit with over 1,250 square feet of living space. This unit features a large great room with radius windows in the living area and a gas fireplace, well-equipped kitchen, private balcony off the master suite and spacious guest bedroom. A premier location in an elegant lodge at the base of the slopes. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $154,900.00 KINLOCHEN #236A - 3 BR/2 BA : Beautifully furnished quarter ownership condo with a delightful view of the #1 Betsie Valley tee and ski slopes. At the base of the slopes just steps away from pools and resort amenities. Private owner storage, popular rental & RCI property. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $169,900.00 KINLOCHEN #239C - 3 BR/2 BA : Premier location! This unit enjoys a commanding view of the ski slopes from the living area, bedrooms and balcony. Elegant lodge feeling with features including a full kitchen, fireplace, whirlpool tub and a floor plan for active families. With CQ ownership you can enjoy a week every month forever and this sale includes 2 years of unlimited skiing for your family through the Four Seasons Club. click for larger/additional photos Offered At: $174,900.00 INN AT THE MOUNTAIN #205 - 1 BR/1 BA : This one-bedroom suite is in a great location at the base of the slopes and adjacent to the pools, conference center and main lodge. All units share a cozy fireplace lounge on the main level and laundry on second level. Unit features a private bedroom, wall bed in living room, double whirlpool, kitchenette, fully furnished and redecorated in 2003. Excellent rental history. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $176,900.00 INN AT THE MOUNTAIN #102 - 1 BR/1 BA : An ideal location in the heart of the resort. This attractive suite is larger than most, handicap accessible, and features a private bedroom, comfortable living room with seating area and a queen Murphy bed, spacious bathroom, kitchenette, and a private balcony. Just steps from the indoor pool, outdoor water pool & playground, dining and the ski slopes. Sunny southern exposure with views towards the future Crystal Village. Excellent rental history. click for larger/additional photos Offered At: $184,900.00 PINEHURST #452 - 1 BR/1 BA : Spacious condo on 18th fairway near the slopes and Kinlochen. Upper unit privacy with vaulted ceilings, fieldstone fireplace, double whirlpool tub and attractive rental history. click for larger/additional photos Offered At: $198,500.00 WINTERGREEN #501 - 2 BR/1 BA : Attractive 1st floor overlooking the Betsie Valley #1 tee. Enjoy maximum convenience to Kinlochen. Conveniently located near the ski slopes & XC trailhead and adjacent to the Waters Edge complex. Double whirlpool, complete kitchen, nicely appointed living area w/ walkout deck, fully furnished & attractive year-round rental history. click for larger/additional photos Offered At: $224,900.00 WINTERGREEN #530 - 2 BR/2 BA : Attractive upper end unit in a very private location adjacent to a wooded setting with views of the pond and fairway of Betsie Valley #10. Fully upgraded in 2002. click for larger/additional photos Offered At: $225,900.00 WINTERGREEN #503 - 2 BR/2 BA : Right across from Kinlochen, the base of the Buck lift, and overlooking the #10 tee of the Betsie Valley course. Fully furnished featuring vaulted ceilings, gas fireplace and a complete kitchen. Come summer, you're located steps from the new Water's Edge pool & park complex. click for larger/additional photos Offered At: $226,900.00 WINTERGREEN #517 - 2 BR/2 BA : Conveniently located w/ an upper sun deck. Complete kitchen & master suite with king bed, double whirlpool & private bath. Guest bedroom w/ queen bed, living room w/ natural fireplace and queen sofa-sleeper. Golf course and XC ski trail views, easy access to the Peak indoor pool and fitness center, Water's Edge outdoor pool & park, and downhill ski lifts. Fully furnished, popular rental. click for larger/additional photos Offered At: $234,900.00 WINTERGREEN #538 - 2 BR/2 BA : Special location overlooks the #12 Betsie Valley green and the Water's Edge entry pond & park area. Private and wooded, yet just steps from the resort center. Enjoy views of the slopes from the master suite and sun deck. Newly remodeled, beautifully finished interior and excellent rental potential. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $238,900.00 WINTERGREEN #529 - 2 BR/2 BA : Spacious condo overlooking the Betsie Valley #10 fairway & green. South facing, with pond & lighted XC views. Steps from the new Water's Edge pool & park complex and resort center. Fireplace, fully furnished & excellent rental. click for larger/additional photos Offered At: $239,900.00 PINEHURST #422/423 - 2 BR/2 BA : Spacious, overlooking the #18 fairway of the Betsie Valley golf course and steps from Kinlochen, Peak pool/fitness center & the new Waters Edge water playground. Flexible floor plan enables occupancy as 2 separate units studio & 1-BR OR 2-BR. Fieldstone fireplace, full kitchen, dining room w/ bay window and generous living room w/ walkout deck. Master suite with private bath & entry. Fully furnished & excellent rental history. click for larger/additional photos Offered At: $242,900.00 WINTERGREEN #534 - 2 BR/2 BA : Well-maintained and updated unit in a nicely wooded location with a view of the 12th green. Adjacent to the Park & Pool at Waters Edge, this upper end unit has an enclosed loft for privacy and a washer/dryer for convenience. Enjoy full ownership of this wonderful property with an option to exchange it worldwide through RCI. click for larger/additional photos Offered At: $287,900.00 PINEHURST #454/455 - 2 BR/2 BA : The warmth of an up-north cabin uniquely designed as a carefree vacation home. This 2-bedroom, 2-bath Pinehurst condominium enjoys upper end unit privacy with views of the 18th fairway just steps from the Kinlochen Lodge and base of the slopes. Full kitchen, fieldstone gas-log fireplace, vaulted ceilings with skylight, whirlpool tubs and a lock-off studio feature that makes this a popular rental property and wonderful vacation retreat. click for larger/additional photos Offered At: $289,900.00 PINEHURST #444/445 - 2 BR/2 BA : Spacious 1st floor condo w/ private deck overlooking the 18th fairway of the Betsie Valley golf course & lighted XC trails. Steps from the Buck ski lift & Kinlochen. Rich color palette, stone fireplace, vaulted ceilings. Double whirlpools & showers in both baths, master suite w/ kitchenette, king bed & private entrance. Excellent rental history. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $374,900.00 PINEHURST GREEN #460 - 4 BR/3 BA : This spacious whole-ownership townhome is located right in the heart of the resort, just steps from the slopes, pools, golf/Nordic pro shop and restaurants. Features include living and family rooms both with fireplaces, a game room, full kitchen, first-floor laundry and master suite with oversized whirlpool, sauna, wet bar, ample owner storage and a sun deck overlooking the #18 fairway of the Betsie Valley course. Year-round rental potential. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos return to top Townhomes Offered At: $394,900.00 MOUNTAINSIDE #615 - 4 BR/3 BA : Prime location overlooking the Betsie Valley Golf Course #9 hole and near ski-in/out trail. This newly refurbished and fully furnished townhome has a large south-facing deck overlooking the fairway and a spacious living room with vaulted ceiling and cozy fireplace. Master suite with double whirlpool & dressing vanity, fully equipped kitchen, and a 1-car garage for owner storage or use. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $424,500.00 MOUNTAINSIDE #601 - 5 BR/4 BA : Exceptional townhome overlooking the 18th green of the Mountain Ridge course. Recently renovated and fully furnished. Features a loft, 2 fireplaces, large family room, 2-car garage and large deck. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $434,900.00 MOUNTAINTOP #727 - 3 BR/3 BA : Just steps from the peak of the mountain w/ inspiring westerly views overlooking the Betsie River valley. Tiled entryway, fireplace, whirlpool, washer/dryer, tastefully decorated and fully furnished. Attractive rental and RCI exchange property. New private outdoor pool & grilling area. Sale includes 2 years ski membership in Four Seasons Club for 2 adults & 2 juniors. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $439,900.00 MOUNTAINTOP #726 - 3 BR/3 BA : Downhill skiing just steps from your door, and a new, private pool & picnic pavilion in your front yard. Couple this with long southwestern views over the beautiful Betsie River Valley, and you realize that MountainTop living is hard to beat! This gracious townhome features a private master suite with full bath & whirlpool, tiled entry & baths, main level fireplace, private deck, washer/dryer, ample owner storage, and a lower level outfitted for fun, including foosball and a game table. The home is fully furnished, qualified for RCI vacation exchanges, and has excellent rental potential. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $445,900.00 MOUNTAINSIDE #614 - 5 BR/4 BA : Wonderful 5-bedroom/4-bath townhome. New lower level finish and furnishings in 2003 with two fieldstone fireplaces and a large family room. Fully furnished and good rental history. Total renovation on main and upper floors in December 2004. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos return to top Cottages Offered At: $146,900.00 WATER'S EDGE #309D - 2 BR/2 BA : Adjacent to the Pool & Park at Waters Edge, and only steps from the ski slopes, dining and indoor pool & fitness center. This spacious 1/4 ownership cottage has a master suite with private bath, guest bedroom with 2 queen beds and an adjoining bath, full kitchen, laundry, screened porch, sun deck, and a vaulted great room with a cozy stove and a window seat overlooking the creek. Simple & clean this is a place for retreat. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos return to top Homes Offered At: $169,900.00 CRYSTAL MOUNTAIN CLUB #84 : Surrounded by pines, this cedar-sided 2-bedroom, 2-bath cabin enjoys westerly views of the golf course and sunsets, and is conveniently located near all the amenities at Crystal Mountain. Spacious 2+ car garage, large backyard with fire pit, paved driveway, fully furnished and ready for year 'round family fun. click for larger/additional photos Offered At: $245,900.00 CRYSTAL MOUNTAIN CLUB #29 : Attractive home on a nicely landscaped lot. Uniquely designed living space with high vaulted ceilings, natural wood fireplace, custom kitchen with breakfast bar and an abundance of windows surrounded by a wrap-around deck. Large master suite with a private balcony and whirlpool. 2-car garage, workshop and main floor laundry provide great spaces for projects and storage. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $280,000.00 CRYSTAL MOUNTAIN VILLAGE #23 : Quality 3BR/2BA cedar home nestled amongst the pines on a nicely landscaped lot near the Betsie Valley course. Open great room w/ fireplace, vaulted ceilings, high windows and spindled loft above. Large garage, full basement, spacious deck and paved circular drive. click for larger/additional photos Offered At: $349,900.00 CRYSTAL MOUNTAIN CLUB #26 : Within easy walking distance of the slopes and village center at Crystal Mountain. This new 3-bedroom, 2-bath home features high vaulted pine ceilings in the great room, custom interior doors & trim, spacious screened-in porch, gas-log fireplace, central air, main floor laundry and custom kitchen with island. Built with SIP panel technology, this home is energy efficient and easy to care for with its low maintenance exterior. Appliances and most furnishings are included so it's ready for instant fun! click for larger/additional photos Offered At: $369,900.00 CRYSTAL MOUNTAIN VILLAGE #21 : Custom 5BR/3BA home. Large tiled entry for ski equipment, great room w/ fieldstone fireplace & vaulted ceilings, two master suites-each with private whirlpool tub, 400 sq. ft. deck, western red cedar siding. Andersen windows and quality finishes throughout. Fully furnished. PREMIUM MEMBERSHIP PROPERTY. Includes an ULTIMATE family ski/golf membership! click for larger/additional photos Offered At: $469,900.00 MOUNTAINWOODS #10 : Custom 3-BR/2-BA home in master-planned ski & golf course community. Vaulted ceilings and ample windows create light, bright living spaces, while the stone fireplace, maple cabinetry and ash flooring lend warmth to the home's interior. Features include a spacious lower-level family room, a 2+ car garage and a generous sun deck with a sunny southwestern orientation. Fully furnished and ready for immediate occupancy. PREMIUM MEMBERSHIP PROPERTY: Includes an ULTIMATE family ski/golf membership. click for larger/additional photos return to top Building Sites Offered At: $24,400.00 SCENIC NORTH VILLAGE LOTS : From $24,400 - $44,400. Phase II lots now available. Complimentary Crystal Mountain memberships included with sales. Generous homesites, both wooded & meadow, underground utilities, paved, private road, thoughtful restrictions. Secluded & quiet, yet adjacent to Crystal's skiing, golf, dining and pools. click for larger/additional photos Offered At: $78,900.00 MOUNTAINWOODS LOT 28 : Excellent building site offers a variety of home and driveway locations to fit your needs. Large hardwood trees and a private setting in an area of very attractive homes. click for larger/additional photos Offered At: $85,900.00 MOUNTAINWOODS LOT 25 : Premium lot with an elevated building site and ideal terrain for a walkout. Southwestern lot orientation provides plenty of sunlight. Covered in mature hardwoods, overlooks Mountain Ridge #3 tee. Underground utilities and thoughtful restrictions. click for larger/additional photos Offered At: $104,900.00 CRYSTAL MOUNTAIN VILLAGE #29-30 : Double lot totaling approximately 0.7 acres, level with red pines & scattered white birch trees. Building site overlooks the Betsie Valley Golf Course #16 tee & fairway, and has a view toward the #15 green and the newly reconfigured Betsie Valley #15 fairway. Underground utilities & thoughtful restrictions. Ready access to the cross-country & snowshoe trails. Private, yet not far from the pools & fitness center, ski slopes, tennis courts, biking trails, shopping & restaurants. An area of fine homes. click for larger/additional photos return to top Crystal Quick Links: Home , Hotel/Resort Reservations , Vacation Packages , Hotel/Resort info , Hotel/Resort Specials , Real Estate Info , Real Estate/Property Listings , Golf Info , Golf Vacation Packages , Golf Courses , Golf Lessons and Schools , Winter Info , Skiing , Cross Country Skiing , Snowboarding , Park Report , #1 Midwest Ski Resort , Meetings and Conference Info , Crystal Center , Art Park , Water Park Last Updated: 12/29/2005 12500 Crystal Mountain Dr - Thompsonville, MI 49683 Crystal Mtn. Realty: (800) 968-2911 - Crystal Mtn. Reservations: (800) 968-7686 tag---
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Union Bank of California offers a wide range of commercial real estate financing options, including IDBs, commercial loans/lines of credit, interim construction lending, commercial mortgages. " Union Bank of California - Commercial Real Estate Loans About Union Bank | Contact Us | Locate Us | Privacy & Security | Accessibility | Sitemap Entire Site Personal Wealth Management Small Business Commercial About Union Bank Commercial Real Estate Loans Products and Services Info Insurance Investments & Brokerage Loans Commercial Real Estate Loans Home Equity Loans Home Loans Personal Loans Professional Business Loans Vehicle Loans Online Bank/Pay Bills/Invest Relationship Banking Programs Trust & Investment Management How Do I...? Choose Financing Choose Insurance Manage Business Finances Plan for Retirement Preserve & Grow an Estate Save & Invest Real estate represents a strategic component of your portfolio. Drawing on our extensive expertise and resources, we can help you structure a wide range of credit arrangements to acquire commercial properties quickly and efficiently, including: Commercial loans and lines of credit Interim construction lending Owner-occupied and non-owner-occupied commercial mortgages Other innovative products to meet your needs If your company is a small to mid-sized firm, you may qualify for Industrial Development Bonds (IDBs) -- one of the lowest-cost, most flexible forms of expansion financing available to: Construct a new facility Purchase a new facility Acquire and rehabilitate an existing facility Expand on your existing site Purchase new equipment Use for a combination of these purposes We also offer commercial real estate loans for owner occupants -- up to $20 million, with competitive terms, for: Term loans to purchase or refinance an existing facility Combination construction/permanent loans with a two-year, interest-only construction period, then conversion to a standard term loan program upon completion Letters of credit for IDBs This is not a commitment to lend. All loans subject to credit approval. Terms and conditions may change without notice. © 2005 Union Bank of California, N.A. All rights reserved. Member FDIC. Equal Housing Lender Call the Priority Banker® nearest you Manage Assets Efficiently Invest and bank in a single asset management account with Portfolio Connection® Related Information - Trust Real Estate Management - Investments - Buy a Car, Boat, or Plane - Preserve & Grow an Estate
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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. 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rental property, Personal use
Publication 527 (2005), Residential Rental Property Home | Contact IRS | About IRS | Site Map | Español | Help Advanced Search Search Tips IRS Resources Compliance & Enforcement Contact My Local Office e-file Forms and Publications Frequently Asked Questions News Taxpayer Advocacy Where To File Index A Accelerated Cost Recovery System (ACRS):, MACRS (see also Modified Accelerated Cost Recovery System (MACRS)) Effective date, Depreciation Methods Accounting methods: Accrual method, When to report. Cash method, When to report. Change of method, Changing your accounting method. Constructive receipt of income, When to report. Accrual method taxpayers, When to report. ACRS (Accelerated Cost Recovery System): Effective date, Depreciation Methods Active participation, Active participation. Activities not for profit, Not Rented for Profit Additions to property:, Additions or improvements to property. (see also Improvements) Basis, Increases to basis. , Additions or improvements. MACRS recovery period, Additions or improvements to property. Adjusted basis: MACRS depreciation, Adjusted Basis Adjusted gross income (AGI) Modified (see Modified adjusted gross income (MAGI)) Advance rent, Advance rent. Advance rent: Security deposits, Security deposits. Advertising, Other Expenses Allocation of expenses: Change of property to rental use, Property Changed to Rental Use How to divide expenses, How To Divide Expenses Part of property rented, Renting Part of Property , How to divide expenses. Personal use of rental property, Personal use of rental property. , Personal Use of Dwelling Unit (Including Vacation Home) Alternative Depreciation System (ADS): Election of, Election. MACRS, MACRS , Table 4-D. Alternative minimum tax (AMT): Accelerated depreciation methods, Alternative minimum tax. Amended returns, Filing an amended return. Apartments: Basement apartments, Examples Dwelling units, Dwelling unit. Appraisal fees, Settlement fees and other costs. Assessments for maintenance, Assessments for local improvements. Assessments, local (see Local assessments) Assistance (see Tax help) Assumption of mortgage, Assumption of a mortgage. At-risk rules, Limits on Rental Losses Attorneys' fees, Settlement fees and other costs. , Increases to basis. Automobiles: MACRS recovery periods, Recovery Periods Under GDS B Basis: Adjusted basis, Adjusted Basis Assessments for local improvements, Assessments for local improvements. Basis other than cost, Basis Other Than Cost Cost basis, Cost Basis Decreases to, Decreases to basis. Deductions: Capitalization of costs vs., Deducting vs. capitalizing costs. Not greater than basis, No deduction greater than basis. Fair market value, Fair market value. Increases to, Increases to basis. MACRS depreciable basis, Depreciable Basis Property changed to rental use, Basis of Property Changed to Rental Use C Capital expenditures: Deductions vs. effect on basis, Deducting vs. capitalizing costs. Improvements, Improvements. Local benefit taxes, Local benefit taxes. Mortgages, payments to obtain, Expenses paid to obtain a mortgage. Cars: MACRS recovery periods, Recovery Periods Under GDS Cash method taxpayers, When to report. Casualty losses, Casualties and Thefts Change of accounting method, Changing your accounting method. Charitable contributions: Use of property, Donation of use of property. Cleaning and maintenance, Other Expenses Closing costs, Settlement fees and other costs. Comments on publication, Comments and suggestions. Commissions, Other Expenses Computers: MACRS recovery periods, Recovery Periods Under GDS Condominiums, Condominiums and Cooperatives , Dwelling unit. Constructive receipt of income, When to report. Cooperative housing, Cooperative , Dwelling unit. , Cooperative apartments. Cost basis, Cost Basis Credit reports, Settlement fees and other costs. Credits: Residential energy credit before 1986, Decreases to basis. D Days of personal use, Dwelling Unit Used as Home , Figuring Days of Personal Use Days used for repairs and maintenance, Days Used for Repairs and Maintenance Deductions Depreciation (see Depreciation) Passive activity losses (see Passive activity) Deductions:, Rental Expenses (see also Rental expenses) Capitalizing costs vs. effect on basis, Deducting vs. capitalizing costs. How to figure rental deductions, How To Figure Rental Income and Deductions Limitations on, Limit on deductions. , Limits on Rental Losses Property not used as home, Property Not Used as a Home Property used as home, Property Used as a Home Depreciation, Depreciation , Election. Alternative Depreciation System (ADS) (see Modified Accelerated Cost Recovery System (MACRS)) Basis (see Basis) MACRS (see Modified Accelerated Cost Recovery System (MACRS)) Depreciation: Change of accounting method, Changing your accounting method. Change of property to rental use, Property Changed to Rental Use , Personal home changed to rental use. Claiming correct amount of, Claiming the correct amount of depreciation. Declining balance method, Depreciation Methods , Declining Balance Method Duration of property expected to last more than one year, What Property Can be Depreciated Eligible property, What Property Can be Depreciated Excepted property, What Property Can be Depreciated First-year expensing, Section 179 deduction. Methods, Depreciation Methods , MACRS Depreciation Under GDS Ownership of property, What Property Can be Depreciated , Property you own. Placement in service, Property Changed to Rental Use Rental expense, Depreciation. Rented property, Rented property. Section 179 deduction, Section 179 deduction. Straight line method, Depreciation Methods , Straight Line Method Useful life, What Property Can be Depreciated , Property having a determinable useful life. Vacant rental property, Vacant rental property. Discount, bonds and notes issued at (see Original issue discount (OID)) Dividing of expenses (see Allocation of expenses) Dwelling units: Definition, Dwelling unit. Fair rental price, Fair rental price. Personal use of, Personal Use of Dwelling Unit (Including Vacation Home) , Dwelling Unit Used as Home , Figuring Days of Personal Use E Easements, Decreases to basis. Equipment rental expense, Rental of equipment. Expenses (see Rental expenses) F Fair market value (FMV), Fair market value. Fair rental price, Fair rental price. , How To Divide Expenses Fees Points (see Points) Fees: Loan origination fees, Points. , Settlement fees and other costs. Settlement fees and other costs, Settlement fees and other costs. Tax return preparation fees, Other Expenses , Tax return preparation. First-year expensing, Section 179 deduction. Form 1040: Not rented for profit income, Where to report. Part of property rented, Renting Part of Property Rental income and expenses, How To Report Rental Income and Expenses Schedule E, Schedule E (Form 1040) Form 1098: Mortgage interest, Form 1098. Form 4684: Casualties and thefts, How to report. Form 4797: Sales of business property, How to report. Form 8582: Passive activity losses, Limits on passive activity deductions and credits. , Form 8582 not required. Free tax services, How To Get Tax Help G Gains and losses: At-risk rules, At-Risk Rules Casualty and theft losses, Casualties and Thefts Limits on rental losses, Limits on Rental Losses Passive activity losses, Passive Activity Limits Rental real estate activities, Losses From Rental Real Estate Activities Sale of rental property, Sale of rental property. , How to report. General depreciation system (GDS) (see Modified Accelerated Cost Recovery System (MACRS)) H Help (see Tax help) Home Use as rental property (see Use of home) Home: Main home, Main home. I Improvements, , Improvements. Improvements:, (see also Repairs) Assessments for local improvements, Assessments for local improvements. Basis, Increases to basis. , Additions or improvements. Depreciation of rented property, Rented property. MACRS recovery period, Additions or improvements to property. Indian reservation property, Qualified Indian reservation property. Insurance, Other Expenses Insurance: Casualty or theft loss payments, Decreases to basis. Change of property to rental use, Property Changed to Rental Use Fire insurance premiums, cost basis, Settlement fees and other costs. Part of property rented, Renting Part of Property Premiums paid in advance, Insurance premiums paid in advance. Title insurance, cost basis, Settlement fees and other costs. Interest payments:, Interest expense. (see also Mortgages) Loan origination fees, Points. Rental expenses, Other Expenses L Land: Cost basis, Land and buildings. Depreciation, Land. Leases: Cancellation payments, Payment for canceling a lease. Equipment leasing, Rental of equipment. Limits: Passive activity losses and credits, Exception. , Passive Activity Limits Rental expense deductions, Limit on deductions. Rental losses, Limits on Rental Losses Loans: Assumption fees, Settlement fees and other costs. Charges connected with getting or refinancing, cost basis, Settlement fees and other costs. Low or no interest, Loans with low or no interest. Origination fees, Points. Local assessments, Assessments for local improvements. Losses (see Gains and losses) M Material participation, Exception for Real Estate Professionals Minimal rental use exception, Exception for minimal rental use. Missing children, photographs of, Reminder Modified Accelerated Cost Recovery System (MACRS), MACRS , Election. Modified Accelerated Cost Recovery System (MACRS): Additions or improvements to property, Additions or improvements to property. Adjusted basis, Adjusted Basis Alternative Depreciation System (ADS), MACRS , MACRS Depreciation Under ADS Basis other than cost, Basis Other Than Cost Conventions, Conventions Cost basis, Cost Basis Declining balance method, Declining Balance Method Depreciable basis, Depreciable Basis Determination of deduction, MACRS Effective date, Depreciation Methods Excluded property, Excluded property. General Depreciation System (GDS), MACRS , Recovery Periods Under GDS , MACRS Depreciation Under GDS Nonresidential rental property, Recovery Periods Under GDS Personal home changed to rental use, Personal home changed to rental use. Property used in rental activities (Table 3), Table 3. MACRS Recovery Periods for Property Used in Rental Activities Recovery periods, Table 3. MACRS Recovery Periods for Property Used in Rental Activities , 5-, 7-, or 15-year property. Residential rental property, Recovery Periods Under GDS , Residential rental property. Straight line method, Straight Line Method Modified adjusted gross income (MAGI), Modified adjusted gross income. More information (see Tax help) Mortgages, Expenses paid to obtain a mortgage. Mortgages: Assumption of, cost basis, Assumption of a mortgage. Change of property to rental use, Property Changed to Rental Use End of, OID, Loan or mortgage ends. Interest, Interest expense. , Property Changed to Rental Use , Renting Part of Property Mortgage insurance premiums, Settlement fees and other costs. Part of property rented, Renting Part of Property N Nonresidential real property, Recovery Periods Under GDS Not-for-profit activities, Not Rented for Profit O Original issue discount (OID), Points. , Loan or mortgage ends. P Part interest: Expenses, Part interest. Income, Part interest. Passive activity, Limits on Rental Losses Passive activity: Maximum special allowance, Maximum special allowance Personal property: Rental income from, Property or services. Personal use of rental property, Personal Use of Dwelling Unit (Including Vacation Home) , Days Used for Repairs and Maintenance Personal use of rental property:, Property Changed to Rental Use (see also Property changed to rental use) Placed-in-service date, Placed-in-Service Date Points, Other Expenses , Points. , Settlement fees and other costs. Pre-rental expenses, Pre-rental expenses. Principal residence (see Home) Profit, property not rented for, Not Rented for Profit Property changed to rental use, Property Changed to Rental Use Property changed to rental use: Basis, Basis of Property Changed to Rental Use MACRS depreciation, Personal home changed to rental use. Property not used as home: Rental income and deductions, Property Not Used as a Home Property used as home (see Use of home) Publications (see Tax help) R Real estate professionals, Real estate professional. Real estate professionals: Passive activity rules, exception to, Exception for Real Estate Professionals Real estate taxes, Real estate taxes. Real property trades or businesses, Real property trades or businesses. Recordkeeping requirements: Travel and transportation expenses, Travel expenses. , Local transportation expenses. Recovery periods, Recovery Periods Under GDS Rent, Settlement fees and other costs. Rent: Advance rent, Advance rent. Fair price, Fair rental price. Rental expenses, Rental Expenses Rental expenses: Advertising, Other Expenses Allocation between rental and personal uses, How To Divide Expenses Change of property to rental use, Property Changed to Rental Use Cleaning and maintenance, Other Expenses Commissions, Other Expenses Deductions, how to figure, How To Figure Rental Income and Deductions Depreciation, Depreciation. Dwelling unit used as home, Dwelling Unit Used as Home Equipment rental, Rental of equipment. Home, property also used as, Rental of property also used as a home. , Property Used as a Home Improvements, , Improvements. Insurance, Other Expenses , Insurance premiums paid in advance. Interest payments, Other Expenses , Interest expense. Local transportation expenses, Other Expenses , Local transportation expenses. Not used as home, Property Not Used as a Home Part of property rented, Renting Part of Property Points, Other Expenses , Points. Pre-rental expenses, Pre-rental expenses. Rental payments, Other Expenses Repairs, Repairs and Improvements , Repairs. Sale of property, Expenses for rental property sold. Tax return preparation fees, Other Expenses , Tax return preparation. Taxes, Other Expenses Tenant, paid by, Expenses paid by tenant. Travel expenses, Other Expenses Utilities, Other Expenses Vacant rental property, Vacant rental property. Rental income Uncollected rent, Uncollected rent. Rental income: Advance rent, Advance rent. Cancellation of lease payments, Payment for canceling a lease. Dwelling unit used as home, Dwelling Unit Used as Home Figuring, How To Figure Rental Income and Deductions Lease with option to buy, Lease with option to buy. Minimal rental use exception, Exception for minimal rental use. Not rented for profit, Not Rented for Profit Not used as home, Property Not Used as a Home Part interest, Part interest. Property received from tenant, Property or services. Reporting, When to report. , How To Report Rental Income and Expenses Security deposit, Security deposits. Services received from tenant, Property or services. Used as home, Rental of property also used as a home. , Property Used as a Home Rental losses (see Gains and losses) (see Passive activity) Repairs, Repairs and Improvements , Repairs. Repairs:, Repairs and Improvements (see also Improvements) Assessments for maintenance, Assessments for local improvements. Personal use of rental property exception for days used for repairs and maintenance, Days Used for Repairs and Maintenance S Sale of property: Expenses, Expenses for rental property sold. Gain or loss, Sale of rental property. , How to report. Main home, Sale of main home used as rental property. Section 179 deductions, Section 179 deduction. Security deposits, Security deposits. Settlement fees, Settlement fees and other costs. Shared equity financing agreements, Shared equity financing agreement. Spouse: Material participation, Participating spouse. Standard mileage rates, Local transportation expenses. Suggestions for publication, Comments and suggestions. Surveys, Settlement fees and other costs. T Tables and figures: Declining balance depreciation rates, Declining balance rates. Improvements, examples of (Table 1), MACRS optional tables (Table 4–D), Table 4-D. MACRS optional tables (Tables 4–A, 4–B, and 4–C), Tables 4-A, 4-B, and 4-C. MACRS recovery periods for rental activity property (Table 3), Table 3. MACRS Recovery Periods for Property Used in Rental Activities Tax credits: Residential energy credit allowed before 1986, effect on basis, Decreases to basis. Tax help, How To Get Tax Help Tax return preparation fees, Other Expenses , Tax return preparation. Taxes: Deduction of, Other Expenses Local benefit taxes, Local benefit taxes. Real estate taxes, Real estate taxes. Transfer taxes, Settlement fees and other costs. Taxpayer Advocate, Contacting your Taxpayer Advocate. Theft losses, Theft. Title insurance, Settlement fees and other costs. Transfer taxes, Settlement fees and other costs. Travel and transportation expenses: Local transportation expenses, Other Expenses , Local transportation expenses. Recordkeeping, Travel expenses. Rental expenses, Other Expenses Standard mileage rate, Local transportation expenses. TTY/TDD information, How To Get Tax Help U Uncollected rent Income, Uncollected rent. Use of home: Before or after renting, Use as Main Home Before or After Renting Change to rental use, Property Changed to Rental Use , Personal home changed to rental use. Days of personal use, Dwelling Unit Used as Home , Figuring Days of Personal Use Fair rental price, Fair rental price. Minimal rental use exception, Exception for minimal rental use. Passive activity rules exception, Property used as a home. Personal use as dwelling unit, Personal Use of Dwelling Unit (Including Vacation Home) Rental income and deductions, Property Used as a Home Utilities, Other Expenses , Increases to basis. V Vacant rental property, Vacant rental property. Vacation homes: Dividing of expenses, How To Divide Expenses Dwelling unit, Dwelling unit. Fair rental price, Fair rental price. Minimal rental use exception, Exception for minimal rental use. Personal use of, Personal Use of Dwelling Unit (Including Vacation Home) Valuation: Fair market value, Fair market value. 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