buy property here. With

Bulgarian Properties Expert - Buying Property Abroad Home Buying Property Abroad Home Bulgaria Property Market Property News Investments Buying Property Abroad Top Ten Tips Why Overseas Property Purchase Process Possible difficulties Bulgarian Home Search About us News Feeds Forum Contacts Property Listings Property Hotspots Useful Links Warsaw Hotels, Hotel Accommodation in Warsaw Poland Hotel Apartments in Warsaw Poland, Warsaw apartments in Poland Offshore banking, bank accounts offshore Get an offshore banking and an offshore account, offshore company and offshore bank account Discount hotels in Brussels. Brussels Belgium accommodation Brussels Hotels and Apartments in Brussels. The largest choice of accommodation in Brussels A guide to accommodation in Budapest. Hotel accommodation in Budapest Budapest Hotels. Great last minute discounts Madrid lodging directory. Madrid hotels Madrid Hotels. Great last minute discounts Milan hotels by Europe-Cities.com. Hotel accommodation in Milan Hotels in Milan. Great last minute discounts Buying Property Abroad Buying property abroad? Buying property abroad has become increasingly popular with the British andNorthern Europeans for various reasons, mainly the warm climate, affordableprices and investment opportunities. With the poor returns on the stocks andshares market and uncertainty of pension fund's future, more and more ordinarypeople invest their hard earned cash into bricks and mortar by buying aproperty abroad. Retirement abroad Retirement abroad is no longer the prerogative of rich and famous. The dreamof owning a property overseas turns into reality for hundreds of thousands ofBritish people every year. Increasing number of pre-retirement age and themiddle aged are buying overseas property (villa or apartment) in the hope touse it as a permanent or semi-permanent home in their forthcoming retirement. What lures Britons to leave their homes in UK and look for the best place tolive is not just a warm climate. Lower cost of living is also taken intoconsideration by people looking for a better quality of life, to what their UK pension canprovide. Property in Bulgariais becoming increasingly popular choice for retirement abroad for the abovereasons. A place in the sun - Buy Holiday Homes Abroad More and more couples consider choosing to buy a second property abroad anduse it as a holiday home in summer and winter. Apartments in Spain havealways been Britons favourite place in the sun to take holidays or shortbreaks. With the costs of travel dramatically falling, it is becoming cheaperand certainly more exciting to go abroad. A lot of ordinary people realise that buying overseas property can not onlybecome an ideal holiday home, but also provide a steady rental income.Think where you go to take a short winter break or spend Christmas - the Banskoski resort (Bulgaria)!Now imagine owning an apartment in Bansko and be the lucky owner who also getsthe rental income! Property for sale in the emerging market of Bulgaria in the past few years hasbecome a big attraction for investors and holiday home owners as they providean affordable opportunity to own a place in the sun. Property abroad - Alternatives to Pensions Buying property abroad and home has proven to be an excellent investmentover the long term. Although it should never be overlooked that buying overseasproperty does not guarantee the increasing price in the short term, it iscertainly a winner in a long run. An underlying asset of the investment cannotbe wiped out as easily as the value of the stocks and shares, thus is lessrisky than other more traditional forms of investments. It is a known fact that borrowing against your existing property issignificantly cheaper, which makes it possible to create a portfolio ofproperties and benefit from the tax breaks that stocks and shares cannot offer. More and more ordinary people realise the benefits of buying overseasproperty rather than shares and include Bulgarian property into their portfolioof investments. More sophisticated and informed investors diversify their riskand maximise their returns by investing in emerging property market of Bulgaria. The proposal regarding the possibility of including overseas property inyour pension fund is a possibility in the future, so watch this space andreview your pension portfolio with a financial advisor in the next few years asbig changes are on the way! Spread you risks, create a balanced portfolio of real estate investments! Bulgarian property market Bulgarian property market (Black Seaside in particular) has been the firstcoastal resort areas, where British people discovered Bulgaria. This propertymarket was pioneers in attracting foreigners to buy property here. With growing demand for properties in the above area, lack of planningpermission regulations, some parts of these beautiful coasts have beenoverbuilt. But there is a big advantage of the Bulgarian Black Sea areas - theestablished infrastructure that makes this place ideal for retirement abroad orholiday homes. By trial and error the property markets in up and coming areas of Bulgariaare offering much more - good value for money, facilities, infrastructurethat was frequently overlooked at the infant stages of the Bulgarianproperty market development. Black Sea and mountainresorts are the future of Bulgarian property market. Large numbers of wealthy Northern Europeans are buying a property in Bulgaria, incoastal resorts in particular and this trend will only increase as the Europeanbaby boomers retire. This will ensure the growth in demand for many decades tocome, driving the prices upwards! UKagents and property consultants With the overwhelming supply of new developments coming in different partsof the world, growing number of the property exhibitions and UK propertyagents, as well as press and media coverage of different hot propertydestinations, it is easy to overlook your own objectives and jump on the bandwagon. And… Do it sooner than later as the prices are increasing! Bulgarian Properties Highlights Purchase of Bulgarian property become easier for foreigners Foreigners will be able to purchase real estate properties without special licenses from the government. Members of the Parliament Economic Commission voted down on second reading, the text of the Investments Encouragement Law, according to which the foreigners had to ask the cabinet for such a license. Irrelevant became also the requirement for special license from the Ministry of Defense and the Ministry of Internal Affairs for purchasing real estate properties in the interior areas of the country, close to the national security objects. The grounds for this vote are that such restrictions do not correspond to the law, whose purpose is to encourage the investments. The law is to be adopted by the parliament on second reading. In the beginning of March 2004, at the conference of the Bulgarian Industrial Business Association (BIBA), the American Trade Chamber and the Bulgarian-German Chamber was requested these restrictions to be dropped off. At the moment the Real Estate Agencies face difficulties in interpreting the Foreign Investments Law and the regulations for applying the Law of the Ministry of Internal Affairs, since there are many unclear points concerning the property or land acquisition in urbanized territories at the border area, in connection to the national security. Due to the same reason, the Notary Publics faced difficulties to perform the sale formalities of land along the Black Sea coast, which according to the real estate agents is an obstacle for the realties market. Companies in this trade sphere explain that the foreign investors used to buy properties and land via figureheads, but in the long run this practice is not serious and may lead to exodus from the most perspective construction regions in Bulgaria. The main problem for them is due to the ambiguity in the interpretation of the term “border area”. The lawyers regard the term as applied only for the land and river borders, since according to the Sea Area Law, the sea coast is not considered a state border. As by the Foreign Investments Law enacted, a juridical person on the territory of Bulgaria can acquire property and restricted law of estate over realties. © 2005 Sagabg.net. All rights reserved.

Florida Real Estate, Naples

Naples Florida Real Estate, Naples Real Estate, Naples Fl Real Estate, Naples Real Estate for sale, real estate in Naples fl, Naples Fla Real Estate, Beachfront and Waterfront Homes in Naples Florida, Airport Information, Airport Naples Florida, Aircraft Hangars in Naples Florida, Waterfront Properties in Naples Fl,Luxury Homes in Naples Florida, Waterfront Properties in Naples Florida, Naples Homes and Golf Course Communities in Naples Florida and Collier County. Sharon and Art David, Coldwell Banker, will help you to find the Perfect Home in Paradise. Naples Florida Real Estate, Naples Florida Real Estate, Naples Fl Real Estate, Naples Real Estate for sale, Real estate in Naples Fl, Naples Fla Real Estate, Beachfront and Waterfront Homes in Naples Florida Airport Information, Airport Naples Florida, Aircraft Hangars in Naples Florida, Waterfront Properties in Naples Fl,Luxury Homes in Naples Florida, Waterfront Properties in Naples Florida, Naples Homes and Golf Course Communities in Naples Florida and Collier County,Art and Sharon David, Coldwell Banker will help you to find the Perfect Home in Paradise. Naples Florida Real Estate, Naples Real Estate, Naples Fl Real Estate, Waterfront Homes in Naples Florida, Real Estate in Naples Fl, Naples Fla Real Estate,Naples Real Estate for sale, Beachfront and Waterfront Properties in Naples Florida Airport Information, Airport Naples Florida, Aircraft Hangars in Naples Florida, Luxury Homes in Naples Florida, Waterfront Homes in Naples Florida, Naples Homes and Golf Course Communities in Naples Florida and Collier County.Sharon and Art David, Coldwell Banker, will help you to find the Perfect Home in Paradise." Select Page Virtual Tour New Construction Local Partners Rentals Home Buying Info Search All Florida Foreign Purchasers Home Selling Info Places of Worship Community Profile Naples Photos Real Estate Info NEWSLETTER Financial Calculators Home Watch Currency Calculator Real Estate Terms Real Estate News Useful Info Link Exchange Find A Realtor Reciprocal Links Feng Shui CONTACT US NAPLES4U.com If text overlaps photos, go to View>Text Size>Medium Thank you for joining us at one of the most comprehensive web sites on the internet devoted to Naples, Florida, www.Naples4u.com . We hope you enjoy your visit to this web site and look forward to meeting you when you visit us in "Paradise." Take a look at our Featured Listings or go to the Multiple Listing Service and Search for Real Estate For Sale in Naples Florida ,. Join us for a three minute Virtual Tour of Naples Florida . Meet the David Team Sharon and Art David are top-producing members of the International President's Elite, which places them in the top 4% of all Coldwell Banker Agents. They have also been named by Gulfshore Life Magazine as 2005 FIVE STAR Best in Client Satisfaction Real Estate Agents. The Greater Naples Edition of Broker Agent Magazine highlighted Sharon and Art as Agents of the Month for October 2005. Art is a certified Cendant Mobility Affintiy Specialist . Sharon and Art are also certified "Previews Agents" who specialize in the sales of luxury homes to affluent buyers on a world wide basis, and they have developed innovative techniques regarding the marketing of vacant homes . Sharon and Art were licensed realtors for 15 years with the largest Independent Real Estate Company in the United States, Weichert, Realtors before coming to "Paradise" to share their professional expertise with owners and soon-to-be homeowners in Naples, Florida. If you are interested in waterfront homes, luxury homes or Golf Course Communities in Naples, Florida, let them share their expertise with you. NAPLES , Florida is one of the most beautiful places in the country. For the period of 1995-2000, Naples led the country with the highest net migration of young, single, college educated residents. The Office of Federal Housing Enterprise Oversight says the Naples-Marco Island metro area is No. 1 in the nation for home price appreciation for the second quarter ending June 30, 2005 compared with the same time last year. Single-family homes appreciated 35.6 percent during that time. In May 2005, The Florida Association of Realtors reported that the median sales price for single-family homes in Naples rose 24% during the first quarter of the year to $468,000 compared to the median price of $377,000 from the first quarter of 2004. By the end of June, 2005, the median price had risen to $491,400. The median price of homes in Naples is the highest in the state and the fifth highest in the nation with Palm Beach second at $363,600. Naples, Florida has always been rated highly on the list of Money Magazine's Best Places To Live in the U.S. And that is not by accident. The weather is tropical with temperatures in the winter in the 70's and 80's, yet there is always the influence of subtle Gulf Breezes. Majestic Sunsets are the rule rather than the oddity. The opportunities for recreational activities are endless. With over 90 golf courses, both public and private , there are more holes per capita than any other place in the U.S . Golf courses, tennis courts, swimming pools, walking paths and biking lanes abound. Naples is also home to the Franklin Templeton Shootout, The ACE Senior Tour Event and many top tennis events. Golf Magazine's 2005 Dream Home is being built in Naples Florida. For more information about Golf Course Communities, c lick here to email us. One is never far from the water in Naples. Directly on the Gulf of Mexico and near the 10,000 islands in the Everglades, Naples affords boaters some of the prettiest waterways and beaches in Florida where dolphins and manatees cavort in the waves and where sport fishermen can experience some of the best fishing in the world . Waterfront homes need not be on the Gulf of Mexico as t here are hundreds of lakes that dot golf courses and developments throughout the area. Safe harbors for boaters include the Moorings and Venetian Bays , located between Gulf Shore Boulevard and US 41, Naples Bay , Wiggins Pass, and the many canals and waterways that span the magnificent areas of Port Royal , Aqualane Shores , Windstar, Parkshore, Royal Harbor , Bayshore, Oyster Bay, Seagate, Connors, Vanderbilt Beach, Little Hickory Bay and Southport . Yacht clubs, sailboat clubs and full service marinas are available for the most ardent of boaters and fishermen. Private jets and airplanes can also find a home in Naples. With three airports: Naples Municipal Airport , Wingsouth Airpark and The Marco Island Executive Airport, all located within a few miles of downtown Naples, airplane owners can navigate to our sunshine too. Jet sales, charter and leasing services as well as repair and maintenance facilities are readily available for those who wish to fly to Naples. Last but not least, miles of white sand beaches stretch from Keewaydin Island, near Marco Island , past Olde Naples and its landmark pier all the way up to Vanderbilt and Bonita Beaches . Beachfront homes and High Rise Condos on the Gulf constantly provide their owners with absolutely breathtaking views. TV's Travel Channel considers the beaches of Naples FL to be among the finest in the world. C lick here to email us. Third Street South , and Fifth Avenue South are home to fine shops and Art Galleries and top notch restuarants in and around Olde Naples. Experience world class shopping at the Waterside Shops at Pelican Bay, Bayfront , across from Tin City, and at the Venetian Village in Park Shore. Vacation lodging is available in some of the finest hotels in the world including two Ritz-Carltons, the Registry Resort, Trianon , The Inn on FIfth, LaPlaya, the Edgewater Beach Hotel, Naples Hilton and Towers and the Naples Beach Hotel. No matter what your real estate needs are, they can be satisfied in Naples. Luxury High Rise Condos span the Park Shore , Pelican Bay , Bay Colony and Vanderbilt Beach areas. From luxury beachfront homes right on the Gulf of Mexico or from waterfront homes in Port Royal , Aqualane Shores and Royal Harbor , The Moorings, Parkshore, Southport or Little Hickory Bay , to Golf Course Communities and estate homes in Bay Colony , Bonita Bay , Collier's Reserve , Audobon , The Club Estates , Quail West , Quail Creek , Tiburon , Mediterra , Olde Cypress , West Bay Club , Twin Eagles , The Estuary and Grey Oaks , Naples, Fl can afford those with a taste for grand living everthing they could desire. For more information about beachfront and waterfont homes, golf course communities or luxury homes in Naples Florida, click here to email us. Golf course communities and other communities with all the amenities are too numerous to list, but many of them like The Vineyards, Kensington, Hammock Bay, The Brooks, Island Walk, Saturnia Lakes, Pelican Bay, Pelican Isle, Bridgewater Bay, Vasari, Pelican Sound, Pelican Landing, Palmira, The Strand, Pelican Marsh, Naples Lakes, Longshore Lake, Cedar Hammock, Forest Glen, Glen Eagle, Cypress Woods, Naples Heritage, Quail Creek, Village Walk, Delasol, Grandezza, Autumn Woods, Monterey, Lely, Fiddler's Creek, Maplewood, Foxfire, Countryside, Sterling Lakes, Vanderbilt Country Club, Berkshire Lakes, Indigo Lakes and Pebblebrook Lakes offer condos, villas, carriage, coach and single family homes in a variety of neighborhoods and in all price ranges from the 100's into the millions of dollars within their developments. If your heart is set on a grand home within walking distance for the Gulf of Mexico, then there's Olde Naples ; or be on the Gulf in newer, larger homes at Barefoot Beach . Single family homes are also available in areas like the Moorings , Coquina Sands , Park Shore and Naples Park . If you're interested in larger homesites, homes in areas like Pine Ridge , Logan Woods , Livingston Woods and Golden Gate Estates are available. C lick here to email us. Check out these sites for more information about all aspects of Life in Naples Florida including golfing, fishing, places to visit, night life, restaurants, businesses, schools, lodging, government, 1031 exchange information, finance and just about anything else you could think of, along with our favorite links to other interesting and informative websites. Take advantage of our Free Reports about Naples, finance, tax law changes and buying or selling real estate. Contact your local real estate experts, Sharon and Art, TOLL FREE at 800-741-7131 or direct at 239-250-5113 for information about real estate in Naples, Fl Bonita Springs and surrounding areas in Collier County or e-mail us . Click here for a free, no obligation Market Analysis of your home. The David Team will be delighted to help you find that "Perfect Home in Paradise." Input your requirements or do your own search by area, view or development. Remember, We're only a phone call or a click away. Sharon and Art David, P.A. Professional & Reliable Service with Results Naples Florida Real Estate - Naples Real Estate-Naples Fl Real Estate Luxury Homes in Naples Florida-Waterfront Homes in Naples Florida Golf Course Communities in Naples Florida- Naples Fla Real Estate www.Naples4u.com © 2005 Coldwell Banker Previews International Sharon and Art David, P.A. 550 Fifth Ave. S Naples, FL 34102 Office: (239)262-7131 ext. 113 Cell: (239)250-5113 Toll Free: (800)741-7131 Fax: (239)262-8349 E-mail: info@Naples4u.com Disclaimer: "This website is not the official website of Coldwell Banker Previews International Residential Real Estate, Inc. or its affiliated companies, and neither Coldwell Banker Previews International Residential Real Estate, Inc. nor its affiliated companies warrants the accuracy of any information contained herein. Any products and/or services offered for sale on this website shall not be considered an offer to sell goods or services in any other state than Florida." Attention all search engine spiders: This site features Naples, Naples Real Estate, Naples Florida Real Estate, Naples Fl Real Estate, Naplesrealestate, Fl real estate , Luxury Homes in Naples, FL, Waterfront Homes in Naples, FL, Golf course communities in Naples, FL, and homes for sale , land for sale and other real estate for sale in Naples, Fl , Naples, Fl Real Estate , Bonita Beach , Bonita Springs , Bonita , Naples Real Estate , Bonita , Estero , Marco Island , Goodland Island , Collier County , and neighboring communities. Search this site for homes for sale in Collier County communities including, Naples, Fl , Bonita Beach , Bonita Springs , Naples Real Estate , Naples, Fl Real Estate , Bonita , Estero , Marco Island , Goodland Island , Collier County , and find your dream home! Art and Sharon David, an experienced real estate professional, can help you buy, sell or lease a home or other real estate throughout the Collier County , Naples, Fl , and the surrounding communities. Florida RealEstate SPONSORS HBIC has " Florida Mortgage Brokers " and " Consolidate Debt " Booska Movers, Inc. World Wide Movers Naples, Fl (239) 254-9459 Burlington, VT (802) 864-5115 info@booskaworldwide.com www.booskaworldwide.com If you would like information about becoming a sponsor on this website, please, contact us! Homes in other cities AwardedTop 10% in the Nation for Consumer Satisfaction by theInternet Consumer Group RealEstate Banner Network EverythingRE - Everything For & About Real Estate ! RealEstate Directory p RealEstate Site Ring Click *LIST * TO VIEW PARTICIPANTS Courtesyof Realty Images Indexed by State Real Estate Excellence Proudly listed with Naples Florida PDA Home Buying Guide, real estate glossary, mortgage calculator and house listing database. ABG Free Design-Build-CAD-House Plans Free Homebuilding and Homeplanning library. Sample houseplans. Free CAD, design, construction, décor, landscape software, home plans and more. Web Site Promotion Click on the graphic to vote for this page as a Starting Point Hot Site. Web Site Promotion www.HomeDecorExchange.com International Realtors Directory You are the 203,650th visitor to my website. Web Site Design and Hosting Provided By: Advanced Access © 1998-2005

Buy Home

Zone Labs: Zone Labs, Internet security products, online safety, software, protection Global Sites: -- Search Site Global Sites Deutschland - Deutsch España - Español European Union - English France - Français Italia - Italiano Japan - Japanese United Kingdom - English United States - English Thursday, December 29, 2005 Home Search Site Map Privacy Policy Terms of Use Contact Us -- Special Offers NEW Tell us your story! NEW What's New in ZoneAlarm Internet Security Suite 6 Free ZoneAlarm and Trials Quick Comparison Chart Which Product is Right for Me? -- NEW Which Product is Right for Me? NEW Free Online Spyware Scanner Introducing DigiSecret® File Encryption -- Security and Product Info NEW Zone Labs Commitment to ZoneAlarm Customers NEW How to Update Your ZoneAlarm Product Virus Information Center Free ZoneAlarm Users: Important Security Update NEW Free ZoneAlarm Support Center NEW Why You Need a PC Firewall How to Renew Your ZoneAlarm Subscription Zone Labs Offers 40% Off ZoneAlarm Pro Firewall to Consumers Seeking Refuge from Industry Consolidation Learn More ZoneAlarm Proactively Protects Consumers from New SOBER.W Internet Worm Learn More ZoneAlarm Customers Protected from Sony Rootkit Trojan Learn More Zone Labs Announces Worldwide Availability of the First Firewall-Based Dedicated Anti-Spyware Solution Learn More New Survey Reveals Ninety-Four Percent of Consumers Believe the Internet Poses a Threat to Children Learn More Zone Labs Launches Media Campaign to Help Internet Users Defend the Net Learn More Zone Labs Wins PC Magazine's Editors' Choice Award for Best Security Suite Learn More ZoneAlarm Subscribers Automatically Protected From New Internet Worm Attacks Learn More Zone Labs Wins Prestigious CNet Editors' Choice Award Learn More Zone Labs Cracks Spyware Prevention Barrier - New OSFirewall Thwarts Cybercriminals with Behavior-Based PC Protection Learn More ZoneAlarm Security Products Now Available Click for more information: ZoneAlarm® Internet Security Suite ZoneAlarm® Pro ZoneAlarm® Antivirus ZoneAlarm® Anti-Spyware IMsecure® Pro New Check Point Integrity Solution Offers Industry's Best Endpoint Security, Manageability and Integration Learn More What Does the Microsoft Windows Firewall Mean to You? Learn More Check Point Software Completes Zone Labs Acquisition Learn More More news in the Zone Labs Press Room NEW Microsoft Internet Explorer COM Objects Remote Code Execution Vulnerability Learn More NEW Microsoft Internet Explorer File Download Dialog Box Manipulation Remote Code Execution Vulnerability Learn More NEW Microsoft Internet Explorer Mismatched Document Object Model Remote Code Execution Vulnerability Learn More NEW Win32.sober.W Learn More Microsoft Graphics Rendering Engine Remote Code Execution Vulnerability Learn More Microsoft Internet Explorer Remote Code Execution Vulnerability Learn More Microsoft COM+ Local Privilege Elevation Vulnerability Learn More Microsoft MSDTC Remote Code Execution and Local Privilege Elevation Vulnerability Learn More Microsoft DirectShow Remote Code Execution Vulnerability Learn More Win32.Sober.P Learn More Security Advisory Archive Chat online with a Zone Labs Virtual Technical Support Agent Click here for our current job openings Home Home/Office Products Download & Buy Enterprise Solutions Service & Support Partner Programs About Zone Labs ©1999-2005 Zone Labs, L.L.C., A Check Point Software Technologies Company. All rights reserved. The TRUSTe program covers only information that is collected through this Web site, and does not cover information that may be collected through software downloaded from the site.

property listings including Camden

Maine Waterfront Real Estate Listings - Coastal Maine's Oceanfront Real Estate Specialists Bob Fenton & Marjorie Crowley Maine's Oceanfront Real Estate Specialists Exclusively Representing Coastal Maine Real Estate Buyers 800-293-4416 We're your Maine real estate guides and regional advisors. We make it easy for you to fulfill your dream of owning real estate in Maine. You'll get to know the Maine real estate marketplace from the comfort of your home or office. You'll put our years of real estate brokerage experience and coastwise knowledge to work for you right away. Call to discuss your Maine real estate search. Visit bobfenton.com often for the most up to date real estate listings. Oceanfront property listings including Camden Maine real estate, York Maine and Boothbay Maine real estate. We are the Maine's oceanfront real estate specialists offering a wide variety of oceanfront real estate and lakefront real estate. Search Maine Property Listings : P referred B uyer's S ervices Get FREE access to all coastal Maine real estate listings. See every real estate listing on the coast of Maine. Get Daily E-Mail Alerts of new listings and price changes. Never Miss Another Listing . Coastal Maine Real Estate Listings Tour of Coastal Maine Real Estate Listings Here's an easy way to get a feel for what's going on in real estate on the coast of Maine. Our selection of: Coastal Maine Waterfront Listings Maine Waterfront Homes Over $5 Million Over $2 Million Over $1 Million $900,000 to $1 Million $800,000 to $900,000 $700,000 to $800,000 $600,000 to $700,000 $500,000 to $600,000 $400,000 to $500,000 $300,000 to $400,000 $150,000 to $300,000 Maine Waterfront Condominiums Maine Antique Homes Built Before 1800 Over $1 Million $500,000 to $1 Million Under $500,000 Maine Bed & Breakfasts Listing data is derived in whole or in part from the Maine IDX & is for consumers' personal, non-commercial use only. Dimensions are approximate. All data should be independently verified. © 2005 Maine Real Estate Information System, Inc. All Rights Reserved. Exclusive Buyer's Brokers for Maine RealEstate We are professional buyers brokers offering exclusive representation for all Maine properties. We provide complete loyalty without conflicts of interest on your purchase of Maine real estate. Your confidentiality is of utmost importance while buying any coastal Maine property. We help you analyze all sales data to determine the true property value of your new Maine home. Our tough negotiating tactics work to get you the best price and terms on your new home in Maine. Maine WebCams : Coastal Maine Web Cams Take a "virtual tour" of coastal Maine. Visit Web Cams on the coast. We sincerely enjoy introducing people like you to the scenic beauty of coastal Maine. One of our most popular links. Maine Lighhouses : Maine's Most Photographed Icon If you like lighthouses, Maine is Mecca. Maine is host to many of the nation's oldest lighthouses. Navigating the coast of Maine presented quite a challenge in the early days of coastal trading. With all of the small islands, rocky outcroppings, ledges and reefs, the dangers of sailing the coast were great. There are more than 60 lights cloistered along the 3500 miles of Maine's convoluted and rocky coast. Our tour consists of over 30 Lighthouses and some Lighthouse Web Cams along the coast of Maine. Maine Maps : Detailed Area Maps & Regional Info. Local Information, with maps of towns or regions. Links to area's Chamber of Commerce, local on-line news, ferry service to area islands, and an ariel photo of the community. Get the local area information you need to make a wise real estate buying decision.Resources for ordering maps of Maine and everybody's favorite book about life in Maine: "Moving to Maine" Your personal guide to Maine realestate Put our years of real estate experience and regional coastwise knowledge to work for you. We've learned about all the complexities that surround your unique search for Maine property.With our help, your real estate decisions will be made with complete confidence. You'll be sure you've made the right choice because you've got all the information you need to make a wisedecision. It begins by having an experienced real estate broker on your side. Before you know it, you'll be wondering why youtook so long to make the move. And chances are you'll call Maine your home, even if you're a seasonal resident. Call to discuss your search for Maine real estate. 800-293-4416 Search Maine Real Estate Listings | Maine Modular Home Builder | Maine Custom Home Builder Maine Life | Maine Home Buying Tips | Maine Broker Profile Maine Lodging | Maine Travelogues | Why You Need a Buyer's Broker | Client Testimonials

Home Equity Fraud How

Don’t Lose Your Home. Home Equity Fraud Home Equity Fraud Consumers Union West Coast Regional Office Don’t Lose Your Home. Home Equity Fraud How To Protect Yourself From Home Equity Lending Fraud DO Get free pre-loan counseling before you sign on the dotted line. Shop around for the best home equity loan for your financial situation. Read every word on any loan document before you sign. Avoid loans with one large "balloon payment" at the end. Protect your friends and neighbors by reporting home equity fraud immediately. DON’T Don’t fall for a loan from a door-to-door salesman or home improvement contractor who comes to your home. Don’t decide whether you can afford a loan by the monthly payments alone. Don’t sign anything that has blank spaces. Don’t take out a loan on your property for anyone else unless you can afford to lose that money forever. What Is Home Equity Fraud? Sometimes, taking out a loan against your home’s equity can be a good idea. Home equity borrowing should not be a problem as long as the loan is a fair one and you have the ability to repay the loan. Home equity lending fraud is different: Lenders seek you out and trick you into taking out a loan against your home which you cannot afford to repay. Most times, these loans have very high interest rates and steep fees. When you fall behind on your payments, the lender can take your home and all your equity through a legal process called foreclosure. The lender then owns your home. Once the damage is done, it is very hard to undo. Most people never get their homes back again. Why Should I Care? Nationally, home repair and home equity fraud have stripped the value from the homes of an estimated 100,000 people in 29 states. In the entire country, the San Francisco Bay Area is one of the areas hardest hit by home equity fraud. Real people, many of them senior citizens, have lost ownership of their homes and all their equity, with no hope of ever getting any of it back. Anyone with equity in a home is a potential target. You could be next. Your home equity is just like money. Protect it! If you are a homeowner or know someone who is, you should learn about home equity lending fraud. Knowing what to look for and how to protect yourself can keep you or a loved one from losing a home. Here’s How To Protect Yourself From The Most Common Types Of Home Equity Fraud: Don’t take out a loan from an uninvited door-to-door contractor who appears at your home. Instead: Many local government agencies have special programs to make it easy to repair housing. See if you qualify for one of these programs available in your area. See the Home Improvement Resource List, a separate Consumers Union publication. Find your own contractor; don’t wait for one to come to you. Shop for your own financing. You’ll probably get a better deal. Steer clear of door-to-door salespersons who want to fix your home after a disaster such as an earthquake or flood. Instead: Call the Federal Emergency Management Agency (FEMA) at 1(800)462-9029 for information about repairing and financing repairs to your home after a disaster. If you are in foreclosure because you couldn’t pay your mortgage, someone you never heard of will offer you a new loan. Watch out. Instead: Think about selling your home and keeping your equity rather than taking out another loan. See a credit counselor to talk about all of your alternatives. Don’t put your other debts "on the house" through a bill consolidation plan. When you consolidate credit card debt or your car loan, for example, into a home equity loan, you put your home on the line for that debt. Once you put that debt "on your house," you can lose your home if you don’t make those payments. Instead: Talk to a credit counselor. You can get help to work with your creditors to make payments more manageable, possibly without putting debt "on your house." Look Out For These Danger Signs "No Credit? No Job? No Problem!" "Don’t worry, you have plenty of equity in your home to qualify for a loan." Walk away from anyone who says any of these things to you. You may be dealing with someone who will treat you unfairly. They don’t care if you can pay the loan. They know they can legally take your house through foreclosure if you don’t pay. In their eyes, the one thing that "qualifies" you for a loan is your inability to pay it. Before you borrow against your home, ask yourself these two questions: Can I afford this loan? Just because a lender says you "qualify" doesn’t mean you are getting an affordable or fair loan. If you cannot afford the loan, you will lose your home. What will I do if I lose my home? Most people have nowhere to go after they lose their homes. Remember that it is easier to learn how to protect your home now than it is to pick up the pieces after it’s gone. Take advantage of free, local loan counseling. See the Resources section at the end of this pamphlet. Don’t Let Anyone Steal Your Home! Here’s How: DO Get the "big picture" on a loan. Look at more than the monthly payments. Make sure that a loan’s interest rate and fees are competitive and fair. Shop around with different lenders to compare. Hang-up on unsolicited telephone callers. Toss-out mailers you receive from companies offering to arrange a home loan for you. Steer clear of high-pressure sales tactics, such as claims that an offer is good only for a limited time. Seek help from a trusted family member or friend who understands financial matters and can help you get free loan counseling. Avoid loans that are set up as "interest only, non-amortizing or partially amortizing loans." With this type of loan, you still owe the money you borrowed after you make all the payments. You must make one large, final payment, known as a balloon payment. If you can’t make this payment, you may lose your home through foreclosure. You should avoid these loans at all cost. Beware of lenders or contractors who try to trick you into signing away your home. Make sure that a "Contract for Home Improvement Services" is only that. Don’t give your house away by signing a "Deed of Trust" or a "Quitclaim Deed." Think twice about taking out a loan against your home to give money to anyone,even a friend or family member. Consider such a request only if you can afford lose that money forever. Otherwise, you may lose your house if the other person doesn’t repay you in time. Act fast if you were pressured into signing for a loan you didn’t really want or cannot afford. Federal law gives you three days to get out of a loan contract whenever your home is used as security for a home equity loan. You may cancel the loan for any reason, but only if you do it in writing within 3 days. This is known as the right of rescission. Contact an attorney immediately if you have any questions about whether your lender violated the law. DON’T Don’t sign anything related to a home loan without first obtaining independent, free advice from a nonprofit counseling agency. Check the Resources list below. Don’t take the first loan offer that lands in your lap. Shop around! Some lenders charge more than others do. Don’t trust door-to-door loan sellers. If you really need or want a home loan, you should make the first contact and carefully investigate all the possibilities before considering a loan. Don’t take out a loan that is made solely on the value of your home, not on your ability to repay it. Your home equity alone does not give you the income you need to make the monthly payments. Don’t borrow more money than you need. The bigger the loan, the more stake your lender will have in your home equity. Don’t sign a form with incorrect information about yourself on it. Don’t sign anything to do with your home that contains blank spaces. Once your signature is on a form, anyone can fill in those blank spaces with obligations that may be very different than the ones you have agreed to. Don’t sign any forms written in a language you do not understand. You may be signing away your home without even realizing it! It’s okay to say "I don’t understand and I will not sign this." Remember: if the offer is good today, it should be good tomorrow If it sounds too good to be true, it probably is. Resources Before you take out a home equity loan, get pre-loan counseling for free: San Francisco Bar Association of San Francisco Equity Fraud Hotline and lawyer referral (415) 782-8903 Consumer Credit Counseling Service (415) 788-0288 or (800) 777-7526 Consumer Action (415) 777-9635 Alameda County ECHO Housing (510) 271-7931 Contra Costa County ECHO Housing (925) 679-8023 San Mateo County Consumer Credit Counseling Service (800) 200-6444 Legal Aid Society of San Mateo (650) 377-0158 East Palo Alto Law Collective (650) 853-1600 Santa Clara County Consumer Credit Counseling Service (800) 969-7526 If you feel you are the victim of home equity lending fraud, call one of the local agencies above. Then call the National Fraud Information Center. File a written complaint against the lender with the appropriate local law enforcement and state regulatory agencies. National Fraud Information Center (800) 876-7060 Fraud reports from consumers are sent within minutes to the appropriate law enforcement agency. Law Enforcement: San Francisco Office of the District Attorney: (415) 553-1814 Alameda County Office of the District Attorney: (510) 569-9281 Contra Costa County Office of the District Attorney: (925) 646-4500 San Mateo County Office of the District Attorney: (650) 363-4677 Santa Clara County Office of the District Attorney, Real Estate Fraud Division (408) 792-2880 State Regulatory Agencies: Call each agency to see if the lender you are complaining about is licensed by that agency. Sometimes lenders are licensed by both agencies. California Department of Real Estate 185 Berry Street, Room 3400 San Francisco, CA 94107 (415) 904-5925 California Department of Corporations 3700 Wilshire Blvd., Suite 600 Los Angeles, CA 90010 (800) 347-6995 (toll free) [ Health ] [ Finance ] [ Food ] [ Product ] [ Other ] [ About CU ] [ News ] [ Tips ] [ Home ] Please contact us at: http://www.consunion.org/contact.htm All information ©1998 Consumers Union