Colorado Real Estate

2005 Approved Forms _________________________________________________________ Real Estate Commission-Approved Contracts and Forms Note: You must have the free Acrobat Reader software to view and print these Adobe Acrobat formatted forms. If you already have Acrobat Reader, it must be the 5.0 version, or better. Clicking on the link above will allow you to upgrade to 6.0. ** If you receive error messages, please try upgrading to 6.0** Some of the following forms are marked as Writable . Click here for instructions on how to use them. # = not required forms The following are the forms promulgated by the real estate commission and are within the purview of Rule F: LISTING CONTRACTS * LC50-04-05 Exclusive Right to Sell (All Types) * BC60-04-05 Exclusive Right to Buy (All Types) * LC53-04-05 Exclusive Brokerage Listing Contract (All Types) * LC54-04-05 Open Listing Contract (All Types) * LC57-04-05 Exclusive Right-to-Lease Listing Contract (All Types) * ETC59-10-05 Exclusive Tenant Contract (All Types) SALES CONTRACTS CBS1-07-04 Writable Contract to Buy & Sell Real Estate (Residential) CBS2-07-04 Contract to Buy & Sell Real Estate (Commercial) CBS3-07-04 Contract to Buy & Sell Real Estate (Vacant Land/Farm & Ranch) ADDENDA TO CONTRACTS CIC32-05-04 Common Interest Community Addendum to Contract to Buy and Sell Real Estate (Commercial or Vacant Land-Farm-Ranch) LB36-05-04 Licensee Buy-Out Addendum to Contract to Buy and Sell Real Estate EX32-05-04 Exchange Addendum to Contract to Buy and Sell Real Estate LP45-05-04 Lead-Based Paint Disclosures (Sales) LP46-05-04 Lead-Based Paint Disclosures (Rentals) LP47-05-04 # Lead-Based Paint Obligations of Seller LP48-05-04 # Lead-Based Paint Obligations of Landlord NTC43-05-04 Inspection Notice BDA55-04-05 Brokerage Duties Addendum to Property Management Agreement DISCLOSURE DOCUMENTS BD24-05-04 Brokerage Disclosure to Buyer BDD56-10-05 Brokerage Duties Disclosure to Seller (REO and Non-CREC Approved Listing Agreements CIC33-10-05 Common Interest Community Documents Receipt and Disclosure to Buyer SD16-05-04 Brokerage Disclosure to Seller (FSBO) DD25-05-04 Definitions of Working Relationships SPD19-10-05 Seller's Property Disclosure (All Types of Property) CS23-05-04 Change of Status SF94-05-04 Square Foootage Disclosure COUNTERPROPOSAL CP40-05-04 Counterproposal AGREEMENTS TO AMEND/EXTEND CONTRACT AE41-05-04 Agreement to Amend/Extend Contract AE42-05-04 Agreement to Amend/Extend Contract with Broker CLOSINGS CL8-05-04 Closing Instructions and Earnest Money Receipt SS60-05-04 Statement of Settlement SS61-05-04 # Worksheet for Real Estate Settlement TD-1000 # Real Property Transfer Declaration. EXCHANGE CONTRACT EX30-05-04 Contract to Exchange Real Estate (Simultaneous Exchange) DEEDS OF TRUST TD 72-05-04 Deed of Trust (Due on Transfer-Strict) TD 73-05-04 Deed of Trust (Due on Transfer-Creditworthy Restriction) TD 74-05-04 Deed of Trust (Assumable- Not Due on Sale) PROMISSORY NOTES EMP80-05-04 Earnest Money Promissory Note NTD82-05-04 Promissory Note for Deed of Trust (UCCC-No Default Rate) NTD81-05-04 Promissory Note for Deed of Trust OTHER FORMS Writable # Listing Firm's Well Checklist EMR83-05-04 # Earnest Money Release CICC-05-04 # Common Interest Community Checklist for Brokerage Firm 34S # Colorado Statutory Power of Attorney for Property For a list of Printers and Software Providers, click here Editor Note: At their April 5, 2005 meeting the Real Estate Commission voted to begin the transition to property listing and buyer representation forms that incorporate the "uniform duties" concept as printed in forms: LC 50, BC 60, LC 53, LC 54, LC 57 AND ETC 59. At the time of the printing of this Manual, the above-mentioned forms are available for use but not mandatory until January 1, 2006, at which time all of the "Listing Contracts" as printed in the 2004 Manual will be repealed. The individual "Listing Contracts" as printed in the 2004 Manual are acceptable for use until January 1, 2006. For reference to those contracts, please refer to the 2004 version of the Manual. Editor Note: At their October 4, 2005 meeting the Real Estate Commission voted to adopt the following forms: SPD19-10-05 SELLER'S PROPERTY DISCLOSURE (ALL TYPES OF PROPERTIES) ETC59-10-05 EXCLUSIVE TENANT CONTRACT (FOR ALL TYPES OF PREMISES) CIC33-10-05 COMMON INTEREST COMMUNITY (CIC) DOCUMENTS RECEIPT AND DISCLOSURE TO BUYER BDD56-10-05 BROKERAGE DUTIES DISCLOSURE TO SELLER (REO and Non-CREC Approved Listing Agreements) At the time of the printing of this Manual, the above-mentioned forms are available for use but not mandatory until January 1, 2006. Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised November 7, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)

Home Equity Lending The

FRB: Press Release--Interagency risk-management guidance for home equity lending--May 16, 2005 Joint Press Release Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Office of Thrift Supervision For Immediate Release May 16, 2005 Agencies Issue Credit Risk Management Guidance for Home Equity Lending The federal bank, thrift, and credit union regulatory agencies today issued guidance that promotes sound risk management practices for home equity lines of credit and loans. The agencies have found that in some cases credit risk management practices for home equity lending have not kept pace with the product's rapid growth and eased underwriting standards. The rise in home values, coupled with low interest rates and favorable tax treatment, have made home equity lines of credit and loans attractive to consumers. To date, delinquency and loss rates for home equity portfolios have been low, due at least in part to the modest repayment requirements and relaxed structures of this lending. However, the agencies have identified risk factors that, along with vulnerability to interest rate increases, have attracted scrutiny, including: Interest-only features that require no amortization of principal for a protracted period; Limited or no documentation of a borrower's assets, employment and income; Higher loan-to-value (LTV) and debt-to-income ratios; Lower credit risk scores for underwriting home equity loans; Greater use of automated valuation models and other collateral evaluation tools for the development of appraisals and evaluations; and An increased number of transactions generated through a loan broker or other third party. The agencies note that active portfolio management is especially important for financial institutions that project or have already experienced significant growth or concentrations in higher risk products, such as high LTV, limited documentation and no documentation interest-only, and third-party generated loans. Like most other lending activity, home equity lending can be conducted in a safe and sound manner with appropriate risk management systems. This guidance outlines the agencies' expectations for sound underwriting standards and effective credit risk management practices for a financial institution's home equity lending activity. # # # Attachment (43 KB PDF) Media Contacts: Federal Reserve Susan Stawick (202) 452-2955 FDIC David Barr (202) 898-6992 OCC Kevin Mukri (202) 874-5770 OTS Erin Hickman (202) 906-6677 NCUA Cherie Umbel (703) 518-6330 2005 Banking and consumer regulatory policy Home | News and events Accessibility Last update: May 16, 2005

Property Search

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Investment Property With full

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Las Vegas Real Estate

Las Vegas Real Estate - Las Vegas Homes Premier Home Welcome to Las Vegas Homes The Las Vegas Real Estate market for many years has been one of the hottest Real Estate markets in the world, with many Las Vegas Real Estate properties selling in less then 1 week. With a market like this it is important for your Las Vegas Real Estate website up to date with every Las Vegas Real Estate property available. With Las Vegas Homes .com you are GUARANTEED a response from one of our Realtors in 1 business day or less. With our State of the art Las Vegas Real Estate search engine you have access to all the Las Vegas Real Estate properties available in Las Vegas and surrounding areas 24 hours a day . Our website is constantly updated with all the Las Vegas Real Estate available to ensure you will find exactly what you are looking for. LAS VEGAS HOMES SEARCH Price Range: No Minimum ------------ $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $310,000 $320,000 $330,000 $340,000 $350,000 $360,000 $370,000 $380,000 $390,000 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 $470,000 $480,000 $490,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 to No Maximum ------------ $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 $260,000 $270,000 $280,000 $290,000 $300,000 $310,000 $320,000 $330,000 $340,000 $350,000 $360,000 $370,000 $380,000 $390,000 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 $470,000 $480,000 $490,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 $1,100,000 $1,200,000 $1,300,000 $1,400,000 $1,500,000 $1,600,000 $1,700,000 $1,800,000 $1,900,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 $6,000,000 $7,000,000 $8,000,000 $9,000,000 Bed(s): Bath(s): No Minimum ------------ 1 + 2 + 3 + 4 + 5 + 6 + 7 + 8 + 9 + No Minimum ------------ 1 + 2 + 3 + 4 + 5 + 6 + 7 + 8 + 9 + Square Footage: No Minimum ------------ 500 + 1000 + 1250 + 1500 + 1750 + 2000 + 2250 + 2500 + 2750 + 3000 + 3250 + 3500 + 3750 + 4000 + 5000 + 7500 + 10000 + 15000 + 20000 + LAS VEGAS HOMES MLS NUMBER SEARCH MLS Number: LAS VEGAS HOMES HOMEFACTS NUMBER SEARCH HomeFacts Number: Information Utility Connection Form Selling a Home Buying a Home Choosing a Realtor Relocate to Las Vegas Contact Us Las Vegas Homes 8290 W. Sahara Ave Suite 200 Las Vegas, NV 89117 (702) 939-5167 (800) 758-7071 Click here to Email Us Las Vegas Homes Property Data updated on Thursday, December 29 at 06:00:01 AM Home Page Real Estate for Sale ** Just Reduced ** ** New On Market ** Previews & Luxury Homes Property Watch Open Houses Relocation Services Real Estate Career? Master Planned Living High-Rise Living Mortgage Services Customer Services Search For a Realtor Our Offices Agent Login © 2005 Las Vegas Homes | Las Vegas Homes Site Map | Las Vegas Real Estate Links Las Vegas Homes by Zip Code | Las Vegas Real Estate by Community Real Estate Technology by Premier Technology Services