Real Estate Broker

License Search Approved Schools Course Requirements Real Estate Course Search Real Estate Exams Instructor Resources Forms and Applications Education Menu Broker Salesperson Company Reciprocal Fees Certification of Licensure Licensing Menu Loading. . . Formal Complaints Enforcement Jurisdiction Gifts, Rebates & Kickbacks Unlicensed Assistants Risk Management 101: Office Audit Checklist Legal Menu License Search Type of License: All Types Company Licensee Company Or Last Name: License Number (nine digits) : Records to show at a time: 10 25 50 100 About License Status Search Renewed 2005-2006 Online license renewal information is updated every 24 to 48 hours depending on the time of renewal transaction. License Paid Date License information is updated every 24 hours. Please allow 3-10 days for licensing changes to appear on a record. License paid date will reflect the date of the most recent license record change(s); i.e., date of renewal, date of transfer, etc. If any record information is no longer current, please contact the Alabama Real Estate Commission immediately. CE Hours To comply with Continuing Education all active licensees subject to CE will complete three (3) hours in Risk Management and twelve (12) hours in approved electives. The CE credit earned by a licensee will be sent electronically to the Commission. Paper certificates obtained from courses during the 2003-04 license period should be maintained for audit. But after October 2006 it is no longer necessary to maintain paper certificates for proving CE credit. D. Philip Lasater Email Us Privacy Policy Alabama Real Estate Commission Montgomery, AL 36106-3674 Executive Director Email Webmaster © 2002 AREC Telephone (334) 242-5544, TTY (334) 396-0064, Fax (334)270-9118

Denver Real Estate Denver

Denver Real Estate Featuring 1,773,932 Opinions! Join | Login | Logout | Help | User Page SEARCH FOR: SEARCH FOR: -- Topics Computers & Internet Education Entertainment & Media Features People Politics Products Sports & Recreation Travel, Food & Culture WebLists Computers & Internet Education Entertainment & Media Features People Politics Products Sports & Recreation Travel, Food & Culture RateLocal Atlanta Directory Austin Directory Boston Directory Chicago Directory Cleveland Directory Dallas Directory Houston Directory Las Vegas Directory Los Angeles Directory Miami Directory New Orleans Directory New York City Directory Philadelphia Directory San Francisco Directory Seattle Directory Washington DC Directory More Cities Shortcuts Recent Comments New Additions Top Reviewers User Search RateItAll Contributors Advertising Sponsorships Web Site Directory Content RateLocal Shop Computers Photography Electronics More Categories RateItAll Gear Company About Us Press Room Company FAQs RateItAll Blog Privacy Policy Jobs Newsletters Contact Testimonials Help Help FAQs WebList FAQs Site Rules WebList Buy Back RSS Help Terms of Service Now In: RateItAll.com > Local > Denver Directory > Denver Real Estate Denver Directory Use this section to find and share opinions about this city's local businesses and merchants. To find a specific merchant and browse its reviews & ratings, drill down through the index on this page. To learn more about RateLocal.com, click HERE . RateItAll Local Get Listed. Get Noticed. Learn more Hottest Topics TV News Personalities Actors (Current) Best Guitarist of All Time Actresses (Current) TV Drama Shows (Current) Hottest WebLists Deserving of the Rock and Roll Hall of Fame? (by garjen55 (11) ) Male TV Characters as Role Models (by mrnocal (0) ) Most Obnoxious Public Figure of All Time (by CastleBee (60) ) Things that Advertise an Individual's Status as Lower or Working Class (by SZinhonshu (34) ) Disney's Animated Masterpieces (by excelsior30 (3) ) BROWSE DENVER REAL ESTATE Showing LOCAL TOPICS 1-7 of 7 Denver Architects Denver Interior Decorators & Design Denver Movers Denver Property Management Denver Real Estate Agents Denver Real Estate Developers Denver Storage Showing LOCAL TOPICS 1-7 of 7 Search | Send Us Feedback | Create Your Own Ratings List | Privacy Policy | About Us | Site Rules | Business Services © 1999-2003 RateItAll.com, Inc.

Home Equity Loan Home

Home Equity and Line of Credit- home-equity.Interest.com. Compare current home equity interest rates for home loans Compare Equity Rates | Equity Trends | Loan Calculators Begin by selecting your state and type of program. Select a State Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Mexico New Jersey New York North Carolina North Dakota Oklahoma Ohio Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington D.C. West Virginia Wisconsin Wyoming Select Loan Type Home Equity Loan Home Equity Line of Credit Improving Your Financial Literacy Source: Bank News - Dec 29, 03:08 AM As part of a nationwide survey of more than 1,300 homeowners conducted in August and released recently by Wells Fargo, respondents were questioned about their financial behaviors and attitudes regarding interest-only loans, the housing market and retirement planning.The WeUs Fargo second Annual Survey of American Homeowners found that of the 8 percent of homeowners with interest-only real estate- secured accounts, a 73-percent majority pay both the principal and interest at least some of the time. Read More... New-Home Sales Took Tumble in November Source: The Atlanta Journal and Constitution - Dec 27, 02:13 PM Dec. 24--Sales of new houses took an unexpected dive in November, falling to the slowest pace in a year and adding to evidence that the six-year real estate boom is ending. Home sales were down 11.3 percent from October, median and average prices were not much changed from a year ago, and the pool of unsold homes continued to swell, reaching a record 512,000. Read More... Warning on Interest-Only Mortgages Source: Buffalo News - Dec 23, 07:32 AM The Federal Reserve and other bank regulators said interest-only and other nontraditional mortgages pose a threat to the financial system and urged the nation's banks to tighten lending standards.Lenders are also letting home buyers fund down-payments with home-equity loans in what the industry dubs "piggyback" financing. Read More... Reverse Mortgage Could Help Senior's Finances Source: Cincinnati Post - Dec 21, 05:11 AM If anything defies the adage "if it sounds too good to be true, it probably is," something called a reverse mortgage might be it -- especially for older homeowners who find themselves struggling financially while sitting on a big pile of home equity.If you own your home and are at least 62, a reverse mortgage might allow you to get your hands on that equity and continue to live in the home with no requirement to repay the loan as long as you stay there. Read More... How to Be an Armchair Economist Source: The Seattle Times - Dec 20, 02:01 PM Dec. 20--The housing market is likely to cool, but not collapse. And though continued high energy prices may depress consumer spending, sustained business investment should counterbalance that. Read More... Options on Taxes Invest in Income Source: Augusta Chronicle, The - Dec 20, 01:38 AM WASHINGTON - In presenting President Bush with two options to streamline the tax code, his handpicked advisory panel promises that most taxpayers can expect to pay Uncle Sam about what they pay today. Even though Mr. Bush and Congress will change the panel's plans, it's worth looking at the winners and losers the two options would create. Read More... View More Home Equity Headlines Home Equity Basics · What You Should Know About Home Equity Lines of Credit · See where the Prime Rate is and where it has been historically · Using a Home Equity Loan To Your Advantage · A Home Equity Loan May Be Tailor-Made To Meet Your Needs · Government Helps Buyers Fix Up Their Dream Home With the 203(k) · Deducting Mortgage, HELOC and Home Equity Loan Interest Home Equity Basics See where the Prime Rate is and where it has been historically Using a Home Equity Loan To Your Advantage A Home Equity Loan May Be Tailor-Made To Meet Your Needs Government Helps Buyers Fix Up Their Dream Home With the 203(k) Loan More Investing Basics Advertisement Mortgage Today's Rates Find Local Lenders Mortgage Calculators Mortgage Trends Lender List by State Reverse Mortgage Lenders Interest Only Mortgages Refinance Mortgages Mortgage Forms Real Estate Forms Legal Forms Real Estate Articles Auto Loans Auto Lenders Auto Trends Auto Calculators Credit Cards Credit Cards Credit Card Trends Calculators Home Equity Equity Rates Equity Trends Loan Calculator Bad Credit Find Lenders Loan Calculators Deposits Products and Rates Charts and Trends Calculators Subscribe for Free Mortgage Updates E-mail Newsletters Wireless/PDA Interest.com, as mobile as you are . - Free Latest News Feeds Mortgage Talk Forum-financial knowledge is a click away . 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real estate agents Money

Feds probe real estate agents - Apr. 22, 2005 Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | Feds probe real estate agents Money magazine investigation shows Justice Dept. looking into anticompetitive practices. April 22, 2005: 5:27 PM EDT By Jon Birger, Money Magazine NEW YORK (CNN/Money) - Did you pay your real estate broker too much? The U.S. Department of Justice may be set to turn Tulsa, Okla. into a test-case for ending the stranglehold 6 percent commissions have over the real estate brokerage business. MONEY has learned that Justice's Antitrust Division is gathering information on the bully tactics that full-commission brokers in Tulsa allegedly use against their discount rivals to discourage commission-cutting. The probe follows other recent efforts to spur competition in the real estate industry. According to a copy of a Justice Department subpoena obtained by MONEY, federal investigators are seeking information on "possible anticompetitive conduct in the provision of real estate services in the Tulsa area" as well as "documents related to refusal to cooperate on real estate transactions." An Antitrust Division spokeswoman confirmed the existence of the investigation but declined to provide additional details. Al Unser, executive director of the Greater Tulsa Association of Realtors said: "We received a CID [civil investigative demand] from the Justice Dept. and we have responded." Economists who study real estate, such as the University of Cincinnati's Norm Miller, believe anti-competitive behavior is the primary explanation for the persistence of the 6 percent commission. J.D. Smith and Bob Meyer are two Tulsa discount real estate agents who say they were interviewed by federal investigators. They say the investigators wanted information on full-commission agents' alleged refusal to show home-buying clients properties listed by discount brokers -- a tactic known as boycotting. Boycotting exploits the one major weakness of the multiple listing service. The MLS's upside is that it centralizes all homes for sale in a single electronic marketplace that can be accessed by all agents -- and these days by Web-savvy consumers as well. The downside is that brokers must depend on one another to help sell their homes, and that discourages them from undercutting each other's commissions. While boycotting the listings of discounters is generally considered an antitrust violation -- if undisclosed, it's also a breach of fiduciary duty to clients -- industry insiders are well aware that boycotting goes on, even if they claim not to condone it. For Smith, the Feds' investigation comes a year or so too late. His realty business on the brink of ruin, Smith recently abandoned discount brokerage and went back to charging 6 percent. "In one week," Smith said, "I've had more showings and more offers from other realtors than I had in the previous two months." The Tulsa investigation is part of an ongoing Antitrust Division foray into the sharp-elbowed realty world. In March, the Antitrust Division sued the Kentucky Real Estate Commission over a state law that prohibits real estate brokers from offering commission rebates to consumers. More recently, Assistant Attorney General R. Hewitt Pate sent letters to lawmakers and regulators in Oklahoma and Texas, urging them to reject proposals that would effectively prohibit brokers from engaging in limited-service or fee-for-service realty -- such as listing a home for sale on the multiple listing service for a flat fee of $500. Bruce Hahn, chairman of the American Homeowners Grassroots Alliance, argues that state prohibitions on rebates and fee-for-service discourage competition and inflate commissions paid by consumers. "We've talked to Justice, and we think what they're doing is tremendous," he said. E-mail Jon Birger at jbirger@moneymail.com. The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Real Estate How to buy and build on rural land Most overvalued housing markets When booms go bust... contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Real Estate Antitrust Division Corporate Governance Oklahoma or Create your own Manage alerts | What is this?

Sell House

House prices - setting the value Geta Free Home Valuation Now Setting the Price on Your Home Along with location and condition, the pricing of a house is a major component of the reasonswhy a house will--or will not--sell quickly. Although the pricing should not be dealt with lightly, some sellershave a tendency to put too much emphasis on the price and not enough on the condition, ending up with a house thatis overpriced for its current condition and the overall market. Even if you find an unaware buyer that appearswilling to pay the high price, when the buyer applies for a mortgage, the chances are good that the lender's appraisalwill force the price back down to market value. It's important to get it right the first time Care and time should be taken when establishing the original listingprice for several reasons: 1) If the houseis overpriced, it won't sell. If it doesn't sell and sits on the market the listing quickly becomes stale. 2) If you overpricethe house with the intention of reducing the price later just to "see what the market will bear", whenthe price of the house is lowered, it signals to buyers that it was (and still may be) overpriced. 3) If the houseis underpriced, it most likely will sell quickly--to the detriment of your net proceeds. Some factors that affect the price of a home 1) Location: Youcan't get away from this one. If your house is located in a desirable area that is in demand, you will be ableto get a higher price than you can for the same house in a less desirable area. 2) Condition: A house that has been better maintained and shows better will always sell for more than one that has had deferred(neglected) maintenance and needs work. 3 ) Desirable amenities: If a house has amenities that are currently popular in the marketplace, it will bring a higher price. Methods of setting the price CMA (Comparable Market Analysis) :A comparison of similar properties in the same general area that compares actual sold prices. A Real Estate Agentcan generate a CMA, or in many cases you can do it on your own. HomePrice.net gathers data on properties in the majority of U.S. states. Some of the informationyou'll see includes address, sale date, price and square footage for up to 30 comparable properties. Click herefor more information . HomeGain: If you're thinkingabout selling your home in the next 12 months, this FREE service is designed to help you get an estimate of yourhome's value. Knowing how much your home can be worth is one of the first steps in beginning to market the property. Clickhere for more information Electronic Appraiser Enter your property address and receive a home sales valuation report. Known to the Real Estate Appraisal industryas a Automated Valuation Model (AVM). Traditional Appraisal: A estimated valuation is placed specifically on your house by a professionalappraiser. An appraisal will take into account location, condition and sale prices of comparable properties inthe neighborhood. RELATED TOPICS CMA (Comparable Market Analysis) Appraisals Evaluation and Feedback HOME | Checklist | To-Do Lists | Set a Value | By Owner | With an Agent | Preparation | Showtime | Research | More Links