home loan? How much

Mortgage Loan Calculators -Interest.com Compare Today's Rates | Mortgage Calculators | Mortgage Trends Mortgage Home Calculators Advertisement Mortgage Calculators What will be my Monthly Payment? Want to know how much your monthly payment is for your mortgage? Additional Payment Calculator How much do you save by paying more or making additional payments than your initial mortgage terms? How much do I have to make to afford the loan on a particular home? Not sure how much money you'll have to earn to afford your house payment and accompanying expenses? How much can I afford to borrow? Want to know how big of a loan you can take on? How much can I afford to borrow? (Alternate Version) Want to know how big of a loan you can take on if you already know how much of a monthly payment you can afford according to the 28/36 rule. Should I pay discount points when I get mortgage loan? Not sure if you should pay discount points on your mortgage loan? 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Interest-Only Monthly Payment and Savings Calculator This basic calculator finds your monthly savings if you use an interest-only payment plan. Want to know your Amortization Schedule. This automated amortization sheet covers 5 years (60 months). Change any number, and the entire spreadsheet will update itself! No need to recalculate and fill all the numbers, just edit the numbers and go. Additional Payment Calculator How much do you save by paying more or making additional payments than your initial mortgage terms? Another "What's my Monthly Payment" Calculator? A mortgage payment calculator that incorporates detailed data to calculate your monthly amount. Rent vs. Buy Calculator Is it less expensive to buy than to rent, and how much can you really save? Budget Calculator Want to know how much of your paycheck is left after you pay for your monthly expenses and financial obligations? 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House Rent

Housing - Ownership and Renting Resource Renting header Navigation TOPIC AREAS About The House HomeWorks News Rent Smart Publicaciones en Español Download a copy of the free Adobe Acrobat Reader to view and print information provided as PDF files. RENT SMART Background Rental property managers are often faced with a dilemma. On the one hand, they want to keep their units full, they want to meet their fair housing obligations and, as good citizens, they want to provide housing to people who need it. On the other hand, in order to stay in business they need to rent to people who are likely to pay their rent and maintain the property. One way to address this dilemma is with a community program that provides high-risk tenants with practical training to help them succeed as tenants. Rent Smart is a teaching guide designed to be the core of a community tenant education program. It was developed by staff from the University of Wisconsin-Extension in consultation with the Wisconsin Apartment Association, the Wisconsin Trade and Consumer Protection Division, the Tenant Resource Center, the Apartment Association of Southeast Wisconsin and other housing and tenant support groups. It was field tested in several locations before publication. What's Included? Rent Smart stresses information that can help participants succeed as tenants and avoid confrontations and legal hassles. The publication is intended for trainers and includes reproducible fact sheets and worksheets for participants as well as masters for overhead transparencies. A model certificate, designed to be awarded to participants who successfully complete the training, is also included. A key feature of Rent Smart is that it stresses learner participation. Each of the lessons is organized around a series of activities so that participants are actively involved in the learning. Materials are provided to help the instructor use the activities successfully. Local Partnership Needed In addition to the curriculum, a successful tenant education program requires a local partnership. Involvement of local rental housing providers in design and delivery of the local program is essential. When this is the case they may be willing to take greater risks with applicants who have completed the program and may even provide financial incentives such as a reduced security deposit. Involvement of local housing authorities and other tenant service providers is also essential. They have contacts with households who would benefit from the program, may be able to help design the program so it meets specific client needs and may have incentives they can provide participants. In one county an agency obtained a grant to provide a partial rent payment to participants who completed the program. In many communities, extension staff members have been available to assist in developing this partnership, developing the initial tenant education program and offering some of the instruction. The Lessons 1. Where Does the Money Go? - Determining monthly income and tracking expenses 2. Developing an Spending Plan - Planning spending and reducing expenses 3. Making the Most of Your Credit Report - Understanding credit reports and ways to improve credit. 4. Finding a Place to Live - Determining apartment needs and understanding search strategies. 5. Checking Out the Landlord and the Place - interviewing and checking up on landlords 6. The Rental Application Process - Completing a rental application and knowing what landlords look for. 7. Understanding Rental Agreements - Reading and understanding rental agreements. 8. Home Care: Who Is Responsible for What? Understanding when tenants are responsible for maintenance. 9. Home Care: Keeping It Clean and Safe - Understanding why cleaning is important and ways to do it more efficiently 10. Communicating With Your Landlord and Neighbors - Saying what you mean and resolving conflicts. 11. Moving On: Giving Notice, Security Deposits and Evictions - Ending a tenancy properly and understanding why it is important to do so. Ordering Information This sample contains the Table of contents and the first Chapter. To order a CD containing the complete text plus files to make transparencies, please contact: Extension Publications 877-WIS-PUBS cecommerce.uwex.edu footer 2002-2004 Board of Regents of the University of Wisconsin System, doing business as the Division of Cooperative Extension of the University of Wisconsin-Extension. If you have any questions regarding this site's contents, trouble accessing any information on this site, require this information in an alternative format or would like to request a reasonable accommodation because of a disability email: flp@uwex.edu

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

buy property to prevent

Neighbors Buying Property To Prevent The Establishment Of A Group Home The Bazelon Center for Mental Health Law Issue: Housing About News In court Take action Publications More resources Topics : Information sheets Advocacy resources on fair housing Jump to an issue: Advance Psych. Directives Children Civil Rights and the ADA Criminalization Education Elders with Mental Illnesses Housing Insurance Involuntary Commitment Managed Care Medicaid Medicare Rx Drug Benefit Mental Healthcare Privacy Restraint and Seclusion Supports in the Community - SSI - Temp. Assist. for Families Voting Fair Housing Information Sheet # 3 Neighbors Buying Property To Prevent The Establishment Of A Group Home Imagine the following scenario: A house in a residential neighborhood is for sale. A provider of residential services to persons with mental retardation believes that the house would be a great location for a group home for three women and submits a bid to purchase the house. Neighbors of the seller learn of the provider's interest in the home and meet to develop strategies for preventing the women from moving into the neighborhood. Eventually, the neighbors conclude that the only way to prevent the provider from purchasing the home is to submit a higher bid. The neighbors realize that none of them can afford to buy the home alone, so they pool their resources, give the money collected to one of the neighbors, and that person offers the seller $5,000 more for the home than does the provider. The seller sells the home to the neighbor acting on behalf of the group. Do the actions of the seller or of the neighbors who purchased the home violate the Fair Housing Act? The FHA makes it unlawful to discriminate in the sale or rental, or to otherwise make unavailable or deny, a dwelling to any buyer or renter because of a handicapof (A) that buyer or renter; (B) a person residing in or intending to reside in that dwelling after it is so sold, rented, or made available; or (C) any person associated with that buyer or renter. 42 U.S.C. 3604(f)(1). The FHA contains an exemption for single-family houses sold or rented by an owner, provided that the owner does not use the services of a real estate agent or broker, own more than three such single-family houses, and, if the owner is not a resident, has not completed more than one sale within a 24-month period. 42 U.S.C. 3603(b). Thus, assuming the listed conditions are met, it is likely that the owner cannot be found liable under the 3604(f)(1) of the FHA. But what of the neighbors, who banded together to buy the home in order to prevent persons with disabilities from living there? Courts that have faced this and similar scenarios have answered the question in different ways. In Michigan Protection and Advocacy Service, Inc. v. Babin , 18 F.3d 337, 344 (6 th Cir. 1994), the Sixth Circuit called action similar to that described above as "normal economic competition." The Babin court analyzed the liability of the neighbors who contributed extra funds to make the purchase possible under 3604(f)(1), specifically the "otherwise make unavailable" provision. The court explained that, in normal economic competition, every purchase of a unique commodity affects availability to others. Thus, the court concluded, finding the neighbors liable would cause the statute's reach to be overbroad, and it affirmed the summary judgment entered by the court below. A claim also was asserted against the seller and the neighbors pursuant to 42 U.S.C. 3617, which makes illegal interfering with the exercise and enjoyment of the right to fair housing. The Sixth Circuit also rejected this argument, finding that the seller was motivated purely by economic considerations and that, while the purchase of the house disrupted the provider's negotiations, it did not prevent the provider from making an even higher bid on the property. Babin, then, stands for the proposition that actions related to the purchase of property — even when taken for the sole reason of preventing the use of that property by persons protected under the FHA — is "normal economic competition" and therefore is not a violation of the FHA. Not every court that has considered the issue since the Babin decision has agreed with that proposition, however. In United States v. Hughes , 849 F. Supp. 685 (D. Neb. 1994), the court denied a motion to dismiss and found the Babin decision "plainly wrong" in suggesting that there is an economic competition exception to the FHA. In Hughes , the court determined that a lender, who agreed to finance the purchase of property knowing that the intention of the buyer was to prevent the establishment of a group home, could be liable under 42 U.S.C. 3617. The court held that a bank violates the FHA by intentionally aiding buyers in keeping a home from other purchasers because those other purchasers are or are associated with persons with mental illness: [T]rue ' economic competition' does not exist when the purpose of the competition is to deny a protected person access to housing, as opposed to securing housing for oneself or for investment purposes. In fact, it is irrational to spend money for the purpose of prohibiting someone else from living next to you, if the reason you do not wish to live next to that person is because he or she has a handicap protected by the Act.-- Hughes at 686 (emphasis in original). A third opinion on this issue adopts the Hughes analysis. In Step-by-Step v. Lazarus , No. CV-97-1006 (M.D. Pa. Oct. 17, 1997), the court, in denying a motion to dismiss, held that the FHA "does apply to a buyer who purchases a property with the intention of preventing the purchase by an entity planning to use the property as a Group Home for members protected by the Act." Id. , slip op. at 1. In reaching this conclusion, the court agreed with the Hughes reasoning and stated that normal economic considerations do not exist where the underlying intent of the purchaser is to discriminate. The court found support for this proposition in 24 C.F.R. 103.20(a), which allows the filing of a complaint against "any person" engaged in a discriminatory housing practice, and in 24 C.F.R. 100.50(b)(3), which makes it unlawful to engage in "any conduct" that denies or makes housing unavailable to persons with disabilities. As these cases demonstrate, determining the motives of a buyer, seller, or neighbors and whether such motives are legally relevant is a complex issue. On the one hand, Congress has clearly mandated an end to discrimination in housing, and a narrow interpretation of the FHA, such as in Babin , allows persons with discriminatory intent to prevent individuals with disabilities from moving into a community. On the other hand, examining the private motives to all the various parties to a real estate transaction may be both unwieldy and burdensome. Clearly, it is helpful to fair housing advocates that the reasoning in Babin — even though articulated by an appellate court — was not convincing to the next two courts to consider very similar situations. While it remains too soon to make any definitive pronouncements on the merits of the issues, it is apparent, given the holdings in Hughes and Step-by-Step , that the actions of neighbors who buy property to prevent the establishment of group homes remain subject to viable challenge under the FHA. This information sheet was produced under a contract with the Advocacy Training/Technical Assistance Center of the National Association of Protection & Advocacy Systems For more information, contact Michael Allen, Bazelon Center for Mental Health Law, 1101 15th Street, N.W., Suite 1212 Washington, D.C. 20005-5002. Phone: 202/467-5730 ext. 117. E-mail: Michaela@bazelon.org . Judge David L. Bazelon Center for Mental Health Law 1101 15th Street, NW, Suite 1212 Washington, DC 20005 Phone: 202-467-5730 Fax: 202-223-0409 Email: webmaster@bazelon.org Judge David L. Bazelon Center for Mental Health Law 1101 15th Street, NW, Suite 1212 Washington, DC 20005 Phone: 202-467-5730 Fax: 202-223-0409 Email: webmaster@bazelon.org

Investment property - Select

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