Denver Real Estate

Boulder Real Estate, Denver Real Estate, Boulder County Real Estate, Ed Schultz, Relocation, Denver Relocation, COlorado relocation, Denver investment property, Investment property Homecard, house finder, colorado listings, House Hunt, househunt colorado, relocation, california relocation, colorado relocation Welcome to my Web Site! This website is here to provide you an online tool to begin the search for your next move in real estate. Real Estate is more than a job for me - It is a lifestyle and full time endeavor . I am an active investor, builder and real estate professional and approach each transaction with the same energy as if it were my own. Whether you're an experienced investor or a first time home buyer, I'll work with you to find the "right" property, structure an offer, negotiate and put together the best financing package. All the while, I will help you to understand the complexities involved in making an informed real estate decision. Feel free to browse through this site to explore the great communities of the Colorado Front Range. This web site is here to provide you an online tool to begin the search for your next move in real estate. Please note I focus on the Boulder/Denver area and specialize in the communities of Denver, Boulder, Louisville and Broomfield. . Join my mailing list to receive great real estate updates. Your email: Ed Schultz Cell: (720) 495-3889 Fax: (720) 472-4410 email: Homes@edschultz.com RE/MAX Horizons Group 11001 W. 120th Ave. Ste. 240 Broomfield, CO 80021 View rates and Mortgages on Home Loans Web Site Design and Hosting Provided By: Advanced Access © 1998-2005

investment property advertisement If

MSN Money - How to find good investment property MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Investing Home Portfolio Markets Stocks Funds ETFs Commentary Brokers CNBC TV MSN Money Insight Jubak's Journal SuperModels Start Investing Strategy Lab Company Focus Mutual Funds Street Patrol Other Views Contrarian Chronicles TheStreet.com Resources Commentary Index Decision Centers Start Investing Mutual Funds Find Hot Stocks Simple Strategies Power Tools Investing For Income Real Estate Related Links Expert Picks Market Dispatches CNBC Stock Picks Message Boards Print-friendly version Send this to a friend Research any REIT Find top-performing mutual funds Sortable database of SEC filings Find stock winners with our screener Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site Map Recent articles by Liz Pulliam Weston: • Streamline your finances in 8 steps , 1/12/2003 • Ditch all fees for online banking services , 1/12/2003 • In clash of debit-card titans, consumers lose , 1/12/2003 More... Related Sites American Association of Small Property Owners Rental Property Reporter National Real Estate Investors Association The Basics How to find good investment property advertisement If you're cut out for it, life as a landlord can be quite profitable. But success isn't assured. Here's what you need to know before diving in. By Liz Pulliam Weston The idea of owning rental real estate seems to be gaining popularity as investors tire of the swoops and swoons of the stock market. As I pointed out in a separate column , not everyone has what it takes to be a landlord. But those who do may find rentals to be a good way to build wealth. Once youve made the decision to buy rental property, your real work begins. Finding a profitable rental property usually takes time, connections and plenty of research. Heres what you need to know to get started: Start investing with $100. Explore our new ETF center. Know your time horizon As with any other investment, you should have a good idea how long you plan to own a rental property before you buy it, says Robert Cain, publisher of the Rental Property Reporter newsletter. The longer you plan to own the property, the more youll probably need to invest in maintenance, repairs and improvements, Cain said. If youre keeping it for 20 years, at some point youre going to be putting a new roof on that property. Youre going to be putting in new appliances and doing some major repairs, Cain said. If youre only planning to own a property for five years, by contrast, youll probably want to avoid making any major improvements unless youre sure you can recoup the cost with a higher sale price. You also may face more investment risk with a shorter time horizon. Although your rental will almost certainly appreciate over 20 years, it could easily lose value in the next five, particularly if youre buying in an overheated market. Youll need a bigger potential annual return to make up for that risk. For many small investors, long-term ownership makes the most sense, said Pat Callahan, an attorney, landlord and founder of the American Association of Small Property Owners. Youll have plenty of time to ride out any swings in the market, and rental income can make a nice supplement to your day job. Find enough rental properties, and being a landlord may become your day job. Develop a network Experienced landlords find their properties in a variety of ways. Some hunt for foreclosures, making friends with city hall clerks or bank employees who know which properties are about to be sold. Some run ads in local newspapers. Others work with real estate agents who keep their eyes peeled for possible buys. Several landlords recommended joining a local landlord or property owner's association to make contacts. Callahans Web site offers links to local groups, as does the National Real Estate Investors Association. (See the links at left under "Related Sites.") When you begin to own rentals, all the other investors start coming out of the woodwork, said Sean Hoppe, a landlord in Pottsville, Pa., who owns 11 properties. Through investor meetings, networking, etc., I can find out what is for sale. (Hoppe, by the way, is 25 and hopes to retire from his job as a computer consultant in three years.) You also can try approaching landlords directly to see if theyre willing to sell, by calling the numbers listed on rental ads in the classifieds, by cruising neighborhoods looking for for rent signs or by talking to any landlords you know personally. Thats how Bob, who asked that his last name not be used, bought his rental property near Albany, N.Y. The landlord of the three-unit building where Bob had rented for 15 years was tired of the hassles and ready to sell. We love (the area) and jumped at the chance to buy it, Bob said. So far, Bob and his wife have been pleased with their purchase. They raised rents and required security deposits, which caused the propertys less desirable tenants to leave. He also has a backup plan for the building in case he starts to feel like the prior owner. If being a landlord got to be too big a hassle, Bob said, we would just get rid of the tenants and make it our own place. Get your finances in shape The better your credit, and the less credit card and other consumer debt you have, the better your prospects for getting a decent loan, Callahan said. Lenders usually require bigger down payments, higher interest rates and generally stronger finances when youre buying rental property. Thats because they know people are more likely to default on investment property than they are on their own homes. Landlords say it also pays to have a substantial cash reserve left over after buying a property. This can help pay for unexpected repairs and vacancies. Although there are few rules of thumb, setting aside at least one months rent for each unit is a good start. CPA Paul Berning suggests having a line of credit, secured either by the property or your own home, to cover larger costs. You also should make sure you can save enough for retirement and other goals before investing in rental real estate. While rental income can supplement your retirement kitty, most people shouldnt count on it to replace other investments or allow themselves to be entirely exposed to the whims of the local real estate market. Rents and property values can fall as well as rise, and those who are adequately diversified with investments in stocks, bonds and cash will be better able to endure the bad times as well as the good. Avoid overpaying As one experienced landlord put it: You make your profit when you buy a property, not when you sell it. Pay too much, and youll never recoup as much as you could have had you driven a better bargain. The rental real estate market is generally tougher on investors who overpay than on homeowners who do the same thing, several landlords said. While a home is often an emotional purchase, which can lead to I must have it! offers and bidding wars, most landlords look strictly at the numbers to see if their investments will pay off. If you pay too much for a rental, you cant count on a greater fool coming along later to bail you out. Not overpaying can be tough in a hot market, however. Apartments in New York, for example, currently sell at a 60% premium over their inherent value. In other words, theyre selling for much more than the income streams the apartments generate, according to Reis, a national real estate research firm. In San Francisco and Los Angeles, the premium is 10%. Some landlords use formulas, such as not paying more than six to eight times the rents they expect to make the first year. Others try to estimate what the property could be worth after needed repairs and upgrades are made, and they dont pay more than 70% of that price, less the cost of those repairs, CPA Berning said. Every real estate market is different, however, and these formulas may not work in your area. Whats key is to make sure your rental income will cover your out-of-pocket costs, Berning said. That includes the mortgage payment on the property, as well as taxes, insurance, maintenance, repairs and a vacancy rate of around 5%. (If you have five units, for example, you should expect at least one unit to be empty three months each year. Heres the math: 5 units times 12 months equals 60; 60 times .05 is 3.) If you can at least break even, youll be able to profit from any price appreciation as well as from tax breaks available to rental property. Cains Web site sells $55 software to help you make these calculations (see link at left). When crunching the numbers, you should know that theres a big difference in how repairs and improvements are treated for tax purposes. You can typically deduct the cost of a repair, such as patching a roof or fixing a leaking pipe, on your tax return for the year in which the repair is made, Berning said. Replace that roof or those pipes, however, and its typically considered an improvement, which means the cost cant be deducted. Instead, its added to the amount you paid for the property to determine your tax basis when you sell. The higher the basis, the lower your taxable profit. But if you have to wait 20 years after making a major improvement to recoup any of the cost for tax purposes, you may think twice about buying a property that needs a lot of upfront work, Berning said. To better estimate your costs, get a thorough inspection before you buy a property. Some landlords have favorite electricians, plumbers and contractors that they send to any prospective property, promising them that they can do any repair work they find. Others use professional inspectors they trust. Longtime landlords say all this work pays off in profitable properties that build their net worth while providing a steady income stream. Callahan, whose family started investing in rental real estate in the 1940s, says its a way of life she recommends. It doesnt matter if youre a professional or a laborer, Callahan said. Its the equal-opportunity wealth builder. Editors' choice Don't get scammed by your mover Safeguard your Social Security number 5 ways to tap into the onshore drilling boom Your checkbook just became obsolete Turn $1 a day into $67,815 Readers' choice Ratings Top 5 Articles 9.29 Zombie debt collectors dig up your old mistakes 9.24 Keep thieves out of your bank account 9.22 Credit reports now free for entire U.S. 9.20 10 ways to avoid outrageous hospital overcharges 9.17 The tricks and traps of debt consolidation View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement Sponsored Links Fund data provided by Morningstar, Inc. © 2005. All rights reserved. Quotes supplied by ComStock , an Interactive Data company. MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. 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Las Vegas real estate

Buying homes in Las Vegas Buying homes in Las Vegas Start Your Las Vegas Real Estate Search Las Vegas Real Estate continues to be a strong and viable opportunity for real estate investors. With the real estate economy continuing to grow in and around the Las Vegas area, real estate investors have ample opportunity to get into this market. The price of homes in Las Vegas rose at a rate of 11% over the 12 month period ending in June 2005, according to National Association of Realtors. IMPORTANT: Most Las Vegas real estate agents DON'T want you to know about this FREE service... Searching For Las Vegas Homes? Investing ? Buying ? Leasing ? Relocating ? Click Here to start your search for Las Vegas real estate . Not long ago Las Vegas was a sellers market for real estate. Home prices were racing out of control. Investors were flooding the real estate market and causing the price of homes to soar. Today is a different story. It's A Buyers Market and the time is right to Find Home Buying Opportunities In one of America's Hottest Real Estate Markets. Search Las Vegas MLS See The Listings Of Your Choice and open new doors for your financial future. Las Vegas, Nevada Attention Home Buyers of Las Vegas, Buying homes in the Las Vegas Valley, in todays' market offers you many choices! By searching the Las Vegas MLS you can compare prices and availability for several different homes, condos and properties. Many sellers are now willing to work with buyers. Not long ago things were much different. Las Vegas Real Estate Market Today, the Las Vegas Real Estate market is considered by many experts to be a Buyer's Market. The "Buying Frenzy" has subsided in Las Vegas Real Estate availability was low and buyer demand was very high. Many Realtors were recommending that buyers offer 10 even 20 thousand dollars over asking price, and buyers were doing it. The vision of buying homes in Las Vegas offered buyers a hope of turning a quick profit of several thousand to tens of thousands within only a few months. Needless to say, this caused home prices to skyrocket. Today, Many more homes are now available and even more continue to come available in Las Vegas and are listed on the Las Vegas MLS. And, Home prices have stabalized and in some areas homes have even dropped in price, because of the increased inventory levels. All of the essential elements are in place for buying buildable land is being consumed rapidly, the demand for second homes continues to rise, the Las Vegas economy is one of the strongest in the nation High wage jobs continue to increase, travel and tourism are strong, billions of dollars are spent annually on gaming and entertainment, and the population is growing faster than ever. This could be one of the best buying opportunities in your lifetime. Click Here to start your search for Las Vegas real estate . Take Control of Your Home Search With The Search Tool Realtors Use It's Free. Search Current Listings of Homes, Condos and Property. Listings Updated Daily. The most complete real estate listing Search for homes in Las Vegas, Summerlin, Henderson, North Las Vegas, Boulder City, Green Valley Ranch Absolutely Free. Begin Your Search Now... Search The Market and Find Properties That Meet Your Needs. Decide How Much You will spend... Then Choose Your Real Estate Agent and tell them where you want to buy. Drewz Real Estate Blog Archives Buying Homes in 2006 - Part I Buying homes in Las Vegas will be very interesting in 2006. The number of resources available to buyers continues to increase along with the amount of competition among Realtors. Searching for real estate in the Las Vegas market offers many obstacles without the proper guidance from a quality Realtor. Internet resources include real estate listing sites such as Realtor.com, ZipRealty.com and hundreds more. There are numerous advice gurus offering the latest strategy to buying and selling in any real estate market. Not only do buyers have access to home listings via Internet, they can go into any grocery chain and pick up the latest copy of the newest real estate magazine for free. Banks and financial institutions make borrowing as easy as clicking a few buttons on your keyboard. These are all good resources to have when buying a home, selling a home or investing in real estate. The more educated one is the better they will fare when that transaction finally goes through. There is a downside to all this. Without the guidance of a quality Realtor, many homeowners are left out to dry. So many Realtors are more interested in their commission then they are in their clients interest that they will do almost anything to get the parties to sign papers. One particular instance, and this is not uncommon, happened to a very good friend of mine a couple years back. He and his wife were looking at homes in Las Vegas. After several months of searching they finally found a place that they wanted to buy. Their Realtor, who was more concerned with making his commission then he was in protecting his clients interests, suckered them into buying the home with no money down and a mortgage that should have bankrupted them. On top of that, they were locked into that mortgage by a pre-payment penalty clause that would suck out any equity that might exist, if they were to refinance or sell the home. Check back soon and Ill share with you how these folks managed to stay afloat almost two years under these conditions, and eventually climb their way out of the whole that was dug under them. Although I'm not a Realtor, I do have many Realtor friends. These are quality professionals who are sincerely interested in helping people attain their goals in the Real Estate market. Whether buying homes, selling homes, or investing in real estate, Realtors are supposed to look out for their client's best interest. Some play by the rules, many do not. If you are searching for a home, rental property or land in Las Vegas, fill out the form below to have a quality Realtor contact you. Drew. Written by: Andrew Hall - Founder AMI Studios Inc Real Estate Investors News Las Vegas Real Estate Archives Staying Secure if the Real Estate Bubble Bursts A bubble occurs when real estate values balloon very rapidly, creating an over-inflated market that can quickly burst and send prices in a downward spiral. Las Vegas Real Estate News Real Estate and Development - Big jump expected in commercial rents What does the new year have in store for the Las Vegas Valley's commercial tenants? Most likely increases in rent -- in some cases up to 15 percent. No signs of slowdown; home prices set record Total single-family home sales increased 2.8 percent from the previous month to 3,331, while sales of condominiums and townhomes jumped nearly 17 percent to 814. Las Vegas MLS Search - Start Here. This free , no obligation service allows you to immediately search all available properties in the Las Vegas area. Please select your property search criteria below: House Condo Land Multi-Family Bedrooms 1 2 3 4 5+ Bathrooms 1 2 3+ Square Feet 1,000 - 1,500 1,500 - 2,000 2,000 - 2,500 2,500 - 3,000 3,000 - 4,000 4,000+ Price Range $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 + $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 + no maximum Time Frame ASAP Within a month 1-3 months 3-6 months Within a year Later than a year Not sure yet To see the latest listings, property addresses and photos, please complete all fields below. Your information must be valid and will be kept strictly confidential. First Name Last Name Email (Area Code) Phone Number Interenet Real Estate Search Search MSN for Las Vegas Homes hud homes las vegas kb homes las vegas lake las vegas homes lake las vegas real estate las vegas commercial real estate las vegas condos las vegas condos for rent homes for rent in las vegas homes for rent in las vegas nevada homes for rent las vegas homes for rent las vegas nv homes for sale in las vegas las vegas condos for sale Search Yahoo! for Las Vegas Homes homes for sale las vegas homes for sale las vegas nevada homes for sale las vegas nv homes in las vegas homes in las vegas nevada homes in las vegas nv homes in north las vegas homes las vegas homes las vegas nevada homes las vegas nv homes north las vegas homes of las vegas Search Google for Las Vegas Homes agents las vegas real estate american homes las vegas apartment homes las vegas astoria homes las vegas beazer homes las vegas carina homes las vegas christopher homes las vegas commercial real estate las vegas find las vegas homes henderson real estate henderson real estate sites homes and las vegas

rental property Flats for

Properties to rent in Richmond BUY SELL LET LANDLORDS CORPORATE FOXTONS INFO CONTACT MY NOTEBOOK Foxtons homepage Let Properties to rent in Richmond Viewing 1 to 10 of 71 0800 138 60 60 Properties to rent in Richmond LET Results: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 || Next View 3 properties per page View 5 properties per page View 7 properties per page Viewing 10 properties per page View 15 properties per page View 20 properties per page View 30 properties per page Ordered by descending price Order by ascending price Order by area Order by bedrooms Properties to rent in Richmond : Use the page number links above to view more Properties to rent in Richmond. The dropdown boxes allow you to customise your search results. Click an ADD TO NOTEBOOK link to save any Properties to rent in Richmond to your shortlist where you can review them at any time. £2,150 per week ( £9,316 pm ) Contact me | Add to notebook 5 bedrooms Lion Gate Gardens, Kew, TW9 Boasting two reception rooms, conservatory, enormous kitchen/diner and lovely private rear garden, why not take advantage of the many entertaining possibilities in this simply stunning five bedroomed, detached house. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £2,000 per week ( £8,666 pm ) Contact me | Add to notebook 6 bedrooms West Temple Sheen, East Sheen, SW14 Modern luxury living is provided for in this stunning five/six bedroomed family home, boasting vast pool room with stunning swimming pool and sauna and opening onto the stylish, landscaped garden. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,962 per week ( £8,502 pm ) Contact me | Add to notebook 6 bedrooms Kew Gardens Road, Kew, TW9 The ultimate in luxurious family accommodation! This sumptuous six bedroomed house offers ample entertaining accommodation with a stunning open-plan kitchen/breakfast room opening onto a delightful garden. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,616 per week ( £7,002 pm ) Contact me | Add to notebook 6 bedrooms Queens Road, Richmond Hill, TW10 This beautifully presented six bedroomed house situated in the Richmond Hill area, offers the ultimate in modern family living, with beautifully maintained gardens, off-street parking and a private garage. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,385 per week ( £6,001 pm ) Contact me | Add to notebook 5 bedrooms Greenlink Walk, Kew, TW9 Offering a privileged position in the heart of the stylish Kew Riverside development, this stunning five bedroomed, detached house boasts flexible family living space with a separate double garage and studio apartment. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,339 per week ( £5,802 pm ) Contact me | Add to notebook 4 bedrooms Northumberland Place, Richmond Hill, TW10 This bright and spacious four bedroomed house, set in a gated development with off-street parking, benefits form stunning river views and central location moments from Richmond Bridge. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,339 per week ( £5,802 pm ) Contact me | Add to notebook 5 bedrooms Mortlake Road, Kew, TW9 Stunning five bedroomed house offering extensive living and entertaining space finished to exacting standards boasting a fab 28' kitchen/diner, a beautifully kept garden and an exquisite limestone bathrooms. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,270 per week ( £5,503 pm ) Contact me | Add to notebook 5 bedrooms Kelsall Mews, Kew, TW9 Luxury, state-of-the-art living! This superb five bedroomed modern town house within Kew Riverside is finished to exacting standards throughout and benefits from a private garden, double garage and separate studio. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,270 per week ( £5,503 pm ) Contact me | Add to notebook 5 bedrooms Kelsall Mews, Kew, TW9 Luxury, state-of-the-art living! This superb five bedroomed modern town house within Kew Riverside is finished to exacting standards throughout and benefits from a private garden, double garage and separate studio. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office £1,154 per week ( £5,000 pm ) Contact me | Add to notebook 6 bedrooms Taylor Avenue, Kew, TW9 Full of character and set on a delightful tree-lined road in Kew this wonderful six bedroomed house is the perfect retreat from everyday life! The home further benefits from an office, lovely garden and off-street parking. Read more about this property for sale in Richmond . Call: 020 8973 2700 Richmond Office 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 || Next View 3 properties per page View 5 properties per page View 7 properties per page Viewing 10 properties per page View 15 properties per page View 20 properties per page View 30 properties per page Ordered by descending price Order by ascending price Order by area Order by bedrooms Text only sites: Sales | Lettings | New Homes © Foxtons 2005 Terms & Conditions Site Map Help 0800 138 60 60 HOMEPAGE Search for a property Search for an Open House -- Why use Foxtons? The letting process Jargon buster Free valuation request NEW SEARCH Type: Buy Long Let Short Let _______________ Max price: _______________ Bedrooms: All bedrooms Studio 1 2 3 4 5 6 or more _______________ Areas: Richmond OR CHANGE TO: All Areas LONDON: All London - Central - East - North - South - West Surrey USA: - New York - New Jersey - Connecticut _______________ Short Let - from a few weeks ADVANCED AREA SEARCH New search Refine this search Save this search QUICK SEARCHES: Houses for rent Flats to let London rental property Flats for rent in London Houses for rent in London London rental apartments London short lets Surrey rental properties Flats to rent in Surrey Houses to rent in Surrey

Home Mortgage

Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages contact us | careers | sitemap | help | log in Homepage Home Loans Home Loans Main Page Today's Rates Purchase a Home Refinance Your Home Use Your Home Equity Less Than Perfect Credit Loans en Español Start Your Application Calculators Your Home Loans Accounts Customer Service Banking Banking Main Page Today's Rates Certificates of Deposit (CD's) Money Market Accounts Savings Accounts View All Banking Products Open an Account Your Banking Accounts Financial Centers Insurance Insurance Main Page Homeowners Condo Home Warranty Life Disability Auto Health Commercial Employee Benefits Other Products Planning for Life Insurance Checkup Get a Quote Your Insurance Policies Your Accounts With over 35 years of service and one of the widest selections of loan programs , Countrywide Home Loans is an expert at finding solutions for all kinds of situations. log in to manage all of your Countrywide accounts username: password: destination: my account summary my home loans make a payment view transactions view loan details view statement my banking view account details my insurance view account details register | help forgot password forgot username Find more ways to : See what our customers are saying. purpose: Purchase Refinance Home Equity loan amount: property ZIP code: ZIP code finder Check today's high yield CD and Money Market rates Compare your rate Compare your coverage Get a free online quote home insurance calculator rate watch home loan calculators learn about our loans your credit report I want to: Purchase a home Refinance my home Use my home equity Click here to learn more about our great CD rates. SPECIAL ALERT: If you live in the areas affected by hurricanes, and need information regarding loans-in-process, new loans, or information on your account, please log in or call our customer service line: 1-800-669-6607. Click here for FAQs . PURCHASE REFINANCE HOME EQUITY for more information about new loans 1-800-556-9568 LESS THAN PERFECT CREDIT Countrywide Home Loans' Full Spectrum® Lending Division 1-800-871-1756 Customer service on existing loans 1-800-669-6607 BANKING top CD and money market rates , compare rates and terms 1-800-817-4383 INSURANCE homeowners , home warranty , auto , life , individual health , disability , commercial and employee benefits 1-800-262-4240 Countrywide Financial offers these products through our family of companies.* home loans | less than perfect credit loans | home loans en español | we house america | banking | insurance | investments | your accounts | log in contact us | site map | about us | investor relations | careers | privacy and security | licenses and registrations Countrywide Home Loans, Inc. and Countrywide Bank, N.A. are Equal Housing Lenders. ©Countrywide Financial Corporation. Trade/service marks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. If you use a pop-up blocker, you should disable it while using our sites. * Countrywide Financial offers these products through our family of companies. Home Loans provided by Countrywide Home Loans; Banking services provided by Countrywide Bank, N.A., member FDIC; Insurance services provided by Countrywide Insurance Services, Investment Services provided by Countrywide Investment Services.