home mortgage loans, including

FRB: Understanding the Home Mortgage Process Where to Shop and What to Look For Skip to content The Mortgage Application Process Understanding Your Rights to Fair Lending Directory of Federal Agencies Mortgage home Once you have found the home of your choice, you may think that your shopping days are over. Actually, only the first phase has been completed. Next comes finding a mortgage and payment terms that fit your budget. Where you shop and what you look for are important. You might start by looking for a mortgage at the bank where you have your checking or savings account. But don’t limit yourself. A wide variety of institutions make home mortgage loans, including savings and loan associations, commercial banks, mutual savings banks, and mortgage companies. The mortgages these institutions offer will have varying features. One way to find the creditor with the most attractively priced loan is to look in your local newspaper; check to see if it publishes a shoppers guide to mortgage credit. These shoppers guides are available in many localities and can be used to identify the lenders with low rates. But, basically, the way to find the loan with the most attractive terms is to shop around. You should have in mind some of the things to look for in a mortgage loan. For example, what types of loans are available from a given institution? Does the lender make privately or federally insured or guaranteed loans? Some lenders offer mortgage loans backed by a federal agency such as the Federal Housing Administration (FHA loans) or the Department of Veterans Affairs (VA loans). Loans that are not government-insured are called conventional mortgages. Insured mortgages may be more attractive than conventional mortgages in some ways--such as lower down payment requirements. But they may be more restrictive in other ways; for example, they may be available only for certain kinds of homes, or for properties whose value is below a specified price. Other factors important to your mortgage decision are the length of the loan and the down payment required by the lender. The longer the term and the larger the down payment, the smaller your monthly payments will be. The interest rate is important too, and in some cases the amount of the down-payment will influence the interest rate that you pay (the larger the down payment, the lower the interest rate). In addition, mortgage loans may have interest rates that will stay fixed for the life of the loan (fixed-rate mortgages), that may change (adjustable-rate mortgages, or ARMs), or that represent a combination of fixed and variable rates (convertible mortgages). The initial rate of an ARM is generally lower than the rate available on a fixed-rate mortgage; but remember, the rate may change during the lifetime of the loan. Don’t hesitate to ask the lender how one loan differs from another, how the different features of the loan will affect the mortgage, or whether your chances to qualify would improve if you made a higher down payment. When you're shopping around, you will find that some home mortgage lenders have special programs to assist veterans and low-income or first-time homebuyers. Ask the lender if such programs are available. Home | Brochures Accessibility To comment on this site, please fill out our feedback form. Last update: June 21, 2001

Land Loan , In

LoanUniverse Community - Commercial Land Loan loanuniverse.com Help Search Members Calendar Welcome Guest ( Log In | Register ) LoanUniverse Community Community Forums Loanuniverse Forums Outline ·[ Standard ] · Linear+ Commercial Land Loan , In Miami Florida Track this topic | Email this topic | Print this topic Marnie1065 Dec 6 2005, 08:37 PM Post #1 Summer Intern Group: Members Posts: 1 Joined: 6-December 05 Member No.: 1,029 Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks -- loanuniverse Dec 7 2005, 09:27 AM Post #2 Administrator Group: Admin Posts: 1,089 Joined: 23-September 02 Member No.: 1 Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. -- lelting Dec 14 2005, 10:48 PM Post #3 Full-Time Teller Group: Members Posts: 13 Joined: 13-November 05 Member No.: 971 I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV -- LenderBuddy Dec 15 2005, 10:55 AM Post #4 Head-Teller Group: Members Posts: 23 Joined: 11-November 05 From: San Francisco Member No.: 968 If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. -- « Next Oldest · Loanuniverse Forums · Next Newest » 2 User(s) are reading this topic (2 Guests and 0 Anonymous Users) 0 Members: Close Topic Options Track this topic Receive email notification when a reply has been made to this topic and you are not active on the board. Subscribe to this forum Receive email notification when a new topic is posted in this forum and you are not active on the board. Download / Print this Topic Download this topic in different formats or view a printer friendly version. Forum Home Search Help Community Forums |-- Loanuniverse Forums Lo-Fi Version Time is now: 29th December 2005 - 03:39 PM Invision Power Board v2.0.4 © 2005 IPS, Inc.

Florida Real Estate Agent

Orlando Real Estate Florida Homes Risa Saltman Real Estate Agent Click any home for Virtual Tour ~ Your Home is Your Castle ~ Welcome to ORLANDO, the City that keeps the Kid alive in all of us. Are you already thinking of candy stores, gum drops and jelly beans ? We have HOMES for all families and budgets.......where you can peacefully enjoy your dreams of sugar plums dancing and playful animal kingdoms; big enough to share with all of the friends and family who will love to visit you too. Risa has been helping families find their Dream Castles in the Orlando area for over 18 years. As a third-generation Real Estate Agent, she dedicates her time and efforts to giving each family her undivided attention and a level of service that keeps all smiling from 'Home~to~Home'. The beauty of Risa's service is that her clients quickly become assured that she will cover all of the bases like the professional that she is; the added twinkling star is that her clients become part of her growing family of friends and associates who work together, take care of each other and play together too. Before you know it, you'll be tucked in your bed and having pleasant dreams. Enjoy your visit as Risa shares Orlando, herself and her capable team approach to service with you. Risa Saltman CRS,ABR,ePRO,Internet Marketing Specialist,RECS PERFORMANCE Not Promises 800-699-4901 Direct email: risa@risa.net RE/MAX Town & Country Realty 1315 Tuskawilla Rd. 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property search is often

History Detectives . Investigative Techniques . Property Search | PBS -- Purpose To obtain historical data about a place and/or persons associated with it. Method A property search is often part of a larger investigation, perhaps for genealogical purposes, or to prepare for renovation of a home. The main resources are legal documents (collectively referred to as land records) including original grants, deeds, mortgages, leases and tax records. Because these documents were the legal proof of ownership and inheritance, all relevant facts were recorded, and archives were kept in standardized locations. Using these land records and related sources, a property search can produce several types of historical evidence, including: biographical details about the owners, from first to last; construction information such as the building date, architect and builder, and sometimes the original plans and cost of construction. Supporting data may be found in probate, tax and insurance records, building permits, old maps and atlases, census files, and other period materials. Although a property search can provide critical facts, some researchers are put off by the problems. For example, it can be hard to navigate the archive levels (e.g. city, state, national). Some material is indexed by number instead of name. Some transactions were recorded years after the event, or not at all. Above all, these are generally secondary-source documents, copied from originals retained by owners. If they were copied by hand, the records may have errors, and the writing can be difficult to decipher. Despite these issues, land records are still a prime place to search for missing pieces of a historical puzzle. Test how much you know about researching property. Take our Property Proficiency Quiz now. Where to next? Get More Leads . Back to Top PBS Privacy Policy | © 2003-2005 Public Broadcasting Service all rights reserved Home | About History Detectives | Case Files | Investigative Techniques | Do It Yourself Games & Quizzes | Submit Your Mystery | Classroom Resources | Glossary | Contact Us

Property Search Find a

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