Denver Real Estate Site
Denver real estate Search MLS, Denver properties for sale Search Denver MLS The home buying process is easy when you know the answers; learn how to finance your home, how much it will cost and more.. [ Click Here for More ] Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] search Denver Real Estate Site Denver MLS Search Search the entire Denver MLS data base There are many MLS searches available these days. One important fact to know is that not all searches are complete searches of the entire data base.Some property searches are only for a specific agent's inventory, others search a companies data base. Most common are the IDX searches that only have the right to search for listings that are the result "co-operating broker listings." Most of the time you don't know if the results you are searching are from acomplete data base. The service available on my site is performed by a "Realty Assistant". It is actually a service that I hire to do the searches for you. It's easy to use, it's freeand it's complete. You won't have to worry about missing a new property listing. To proceed, follow the link to the "Realty Assistant" input your criteria, then sit back andwait for the results...ALL the results to be e-mailed to your inbox. Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog
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Mortgages, Mortgage Rates and Home Loans by Quicken Loans America's Home Loan Experts SM GO My Quicken Loans Login Great Rates. Expert Advice. Fast Process. Call 800-251-9080 To Get Your Rate Refinance Refinance Center Learn About Refinancing Refinance Calculators Refinance Loan Options Contact a Refinance Expert Home Purchase Home Purchase Center Learn About Buying a Home Home Purchase Calculators Home Purchase Loan Options Contact a Purchase Expert Home Equity Home Equity Center Learn About Home Equity Home Equity Calculators Home Equity Loan Options Calculators Calculators Refinance Calculators Home Purchase Calculators Home Equity Calculators Contact a Loan Expert Loan Options Loan Options Refinance Loan Options Purchase Loan Options Home Equity Loan Options Contact a Loan Expert Bad Credit Rates Get your loan approved in just minutes over the phone We bring the paperwork to you for signing it's quick and easy! Calculate YOUR potential mortgage payment below. Select Loan Purpose Refinance Purchase Desired Loan Amount: Expected Purchase Price: Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Current Monthly Payment: Expected Down Payment: Calculate YOUR potential mortgage payment below. Select Loan Purpose Refinance Purchase Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Desired Loan Amount Current Monthly Payment Expected Purchase Price Expected Down Payment -- Dis-ARM Yourself Now! Lock into a fixed rate today! Quicken Loans' Chairman Dan Gilbert hosts CNBC's "Squawk Box". Read More Start Taking Control of Your Credit! Introducing FreshStart Get approved for your mortgage - even with less-than-perfect credit Get on the path to paying off debt and repairing your credit Consolidate high-interest bills into one low-interest mortgage payment FIND OUT MORE Rates Keep Rising. Get a Fixed Rate Now! The Fed will keep raising interest rates - Get out of your adjustable rate mortgage or home equity line of credit! Lock your rate for 30 years with payment flexibility. Introducing FIND OUT MORE Flexible guidelines to fit your needs! Introducing Advantage1st No doc and full doc options available Cash out and interest-only options Get a low rate on a mortgage that fits your needs FIND OUT MORE Want a low mortgage rate? Call a Quicken Loans Mortgage Banker now to find out how you can get a low mortgage rate and payment flexibility with our SmartArm ® loan. A Quicken Loans Exclusive FIND OUT MORE What's the Difference between Interest Rate and APR? When you get a mortgage, you are charged two different rates--the annual percentage rate (APR) and the interest rate. Understanding the difference between the two rates is important and will help you make an informed decision when shopping for the right lender and the right loan... Read More Archived News Homeowners Can Still Refinance at Low Rates Dec 29, 2005 Despite Decline, Housing Still Strong Dec 28, 2005 More Mortgage News Quicken Loans - We Are Here to Help You! No one makes it easier than the home loan experts at Quicken Loans! We are ready to help you with your new mortgage , refinance , or home equity loan needs — all at great low interest rates. Explore our web site for exclusive home loan options, easy-to-use mortgage calculators , home loan articles, and instant rate quotes on several mortgages. Quicken Loans is America's #1 online mortgage lender. Apply for your mortgage online or talk to a Quicken Loans home loan expert today. Call us now at 800-251-9080. 3,400 home loan experts ready to help you Refinancing | Home Loans | Home Equity Loans | My Quicken Loans Login Mortgage News | Mortgage Rates | Mortgage Calculators | Apply Online About Us | Careers | Contact Us | Feedback | Site Map | Help | Search Security and Privacy | Disclosures and Licenses | Terms of Use © 2000 - 2005 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc., used under license. Build 2741 2005-10-25 09:50:43
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home equity plan may
When Your Home Is on the Line: home More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest rate that is relatively low. Furthermore, under the tax law--depending on your specific situation--you may be allowed to deduct the interest because the debt is secured by your home. If you are in the market for credit, a home equity plan may be right for you. Or perhaps another form of credit would be better. Before making a decision, you should weigh carefully the costs of a home equity line against the benefits. Shop for the credit terms that best meet your borrowing needs without posing undue financial risk. And remember, failure to repay the amounts you've borrowed, plus interest, could mean the loss of your home. What is a home equity line? What should you look for? How will you repay your home equity plan? Lines of credit vs. traditional second mortgage loans Disclosures from lenders What is a home equity line of credit? A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumer's largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. With a home equity line, you will be approved for a specific amount of credit--your credit limit , the maximum amount you may borrow at any one time under the plan. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75 percent) of the home's appraised value and subtracting from that the balance owed on the existing mortgage. For example, [D] In determining your actual credit limit, the lender will also consider your ability to repay, by looking at your income, debts, and other financial obligations as well as your credit history. Many home equity plans set a fixed period during which you can borrow money, such as 10 years. At the end of this "draw period," you may be allowed to renew the credit line. If your plan does not allow renewals, you will not be able to borrow additional money once the period has ended. Some plans may call for payment in full of any outstanding balance at the end of the period. Others may allow repayment over a fixed period (the "repayment period"), for example, 10 years. Once approved for a home equity line of credit, you will most likely be able to borrow up to your credit limit whenever you want. Typically, you will use special checks to draw on your line. Under some plans, borrowers can use a credit card or other means to draw on the line. There may be limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) and to keep a minimum amount outstanding. Some plans may also require that you take an initial advance when the line is set up. What should you look for when shopping for a plan? If you decide to apply for a home equity line of credit, look for the plan that best meets your particular needs. Read the credit agreement carefully, and examine the terms and conditions of various plans, including the annual percentage rate (APR) and the costs of establishing the plan. The APR for a home equity line is based on the interest rate alone and will not reflect the closing costs and other fees and charges, so you'll need to compare these costs, as well as the APRs, among lenders. Interest rate charges and related plan features Home equity lines of credit typically involve variable rather than fixed interest rates. The variable rate must be based on a publicly available index (such as the prime rate published in some major daily newspapers or a U.S. Treasury bill rate); the interest rate for borrowing under the home equity line changes, mirroring fluctuations in the value of the index. Most lenders cite the interest rate you will pay as the value of the index at a particular time plus a " margin ," such as 2 percentage points. Because the cost of borrowing is tied directly to the value of the index, it is important to find out which index is used, how often the value of the index changes, and how high it has risen in the past as well as the amount of the margin. Lenders sometimes offer a temporarily discounted interest rate for home equitylines--a rate that is unusually low and may last for only an introductory period, such as 6 months. Variable-rate plans secured by a dwelling must, by law, have a ceiling (or cap ) on how much your interest rate may increase over the life of the plan. Some variable-rate plans limit how much your payment may increase and how low your interest rate may fall if interest rates drop. Some lenders allow you to convert from a variable interest rate to a fixed rate during the life of the plan, or to convert all or a portion of your line to a fixed-term installment loan. Plans generally permit the lender to freeze or reduce your credit line under certain circumstances. For example, some variable-rate plans may not allow you to draw additional funds during a period in which the interest rate reaches the cap. Costs of establishing and maintaining a home equity line Many of the costs of setting up a home equity line of credit are similar to those you pay when you buy a home. For example, A fee for a property appraisal to estimate the value of your home An application fee , which may not be refunded if you are turned down for credit Up-front charges, such as one or more points (one point equals 1 percent of the credit limit) Closing costs, including fees for attorneys, title search, and mortgage preparation and filing; property and title insurance; and taxes. In addition, you may be subject to certain fees during the plan period, such as annual membership or maintenance fees and a transaction fee every time you draw on the credit line. You could find yourself paying hundreds of dollars to establish the plan. If you were to draw only a small amount against your credit line, those initial charges would substantially increase the cost of the funds borrowed. On the other hand, because the lender's risk is lower than for other forms of credit, as your home serves as collateral, annual percentage rates for home equity lines are generally lower than rates for other types of credit. The interest you save could offset the costs of establishing and maintaining the line. Moreover, some lenders waive some or all of the closing costs. How will you repay your home equity plan? Before entering into a plan, consider how you will pay back the money you borrow. Some plans set minimum payments that cover a portion of the principal (the amount you borrow) plus accrued interest. But (unlike with the typical installment loan) the portion that goes toward principal may not be enough to repay the principal by the end of the term. Other plans may allow payment of interest alone during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that amount when the plan ends. Regardless of the minimum required payment, you may choose to pay more, and many lenders offer a choice of payment options. Many consumers choose to pay down the principal regularly as they do with other loans. For example, if you use your line to buy a boat, you may want to pay it off as you would a typical boat loan. Whatever your payment arrangements during the life of the plan--whether youpay some, a little, or none of the principal amount of the loan--when the plan ends you may have to pay the entire balance owed, all at once. You must be prepared to make this " balloon payment " by refinancing it with the lender, by obtaining a loan from another lender, or by some other means. If you are unable to make the balloon payment, you could lose your home. If your plan has a variable interest rate, your monthly payments may change. Assume, for example, that you borrow $10,000 under a plan that calls for interest-only payments. At a 10 percent interest rate, your monthly payments would be $83. If the rate rises over time to 15 percent, your monthly payments will increase to $125. Similarly, if you are making payments that cover interest plus some portion of the principal, your monthly payments may increase, unless your agreement calls for keeping payments the same throughout the plan period. If you sell your home, you will probably be required to pay off your homeequity line in full immediately. If you are likely to sell your home in the near future, consider whether it makes sense to pay the up-front costs of setting up a line of credit. Also keep in mind that renting your home may be prohibited under the terms of your agreement. Lines of credit vs. traditional second mortgage loans If you are thinking about a home equity line of credit, you might also want to consider a traditional second mortgage loan. A second mortgage provides you with a fixed amount of money repayable over a fixed period. In most cases the payment schedule calls for equal payments that will pay off the entire loan within the loan period. You might consider a second mortgage instead of a home equity line if, for example, you need a set amount for a specific purpose, such as an addition to your home. In deciding which type of loan best suits your needs, consider the costs under the two alternatives. Look at both the APR and other charges. Do not, however, simply compare the APRs, because the APRs on the two types of loans are figured differently: The APR for a traditional second mortgage loan takes into account the interest rate charged plus points and other finance charges. The APR for a home equity line of credit is based on the periodic interest rate alone. It does not include points or other charges. Disclosures from lenders The federal Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. And in general, neither the lender nor anyone else may charge a fee until after you have received this information. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened. If any term (other than a variable-rate feature) changes before the plan is opened, the lender must return all fees if you decide not to enter into the plan because of the change. When you open a home equity line, the transaction puts your home at risk. If the home involved is your principal dwelling, the Truth in Lending Act gives you 3 days from the day the account was opened to cancel the credit line. This right allows you to change your mind for any reason. You simply inform the lender in writing within the 3-day period. The lender must then cancel its security interest in your home and return all fees--including any application and appraisal fees--paid to open the account. The material on this site is adapted from the brochure "When Your Home Is on the Line." Single or multiple copies of the brochure are available without charge. Order the brochure by telephone, mail, or fax . Order on line . Glossary | Where to go for help | Checklist Home | Consumer information | Publications | Brochures Accessibility To comment on this site, please fill out our feedback form. Last update: July 25, 2001
real estate investment management
Real Estate CU Home Libraries Home Search | Site Index | FAQ | Help Search Library Catalog: Title (start of title) Journal (start of title) Author (last, first) Keyword (and, or, not, "") Subject Go To CLIO Find Databases: Title Keywords Title (start of title) Keywords Go To Databases Find E-Journals: Title (start of title) Title Keywords Subject Keywords Go To E-Journals Search the Libraries Website: Go To Advanced Website Search Libraries & Collections About the Libraries Libraries Collections Digital Collections Special Collections -- Hours Directions to Columbia Map of Campus Libraries Locations & Contact Info More... Catalogs CLIO (Columbia's Online Catalog) Course Reserves Educat (Teachers College) Pegasus (Law) WorldCat More... E-Resources Citation Finder Databases E-Journals E-Books E-Data E-News E-Images DigitalCommons -- Subject Guides More... Report Problems Request It BorrowDirect Medical Center/Morningside In Process/Ordered Science Fast Track Interlibrary Loan Recommend Titles for Purchase More... Ask Us Contact a Reference Desk Email a Question Frequently Asked Questions Make a Suggestion Online Chat Service (Ask Us Now) Report an E-Resource Problem Schedule a Research Consultation Staff Contacts & Directories More... Using the Libraries My Library Account Borrow & Renew Computing, Laptops, Wireless Course Reserves Info Frequently Asked Questions Hours Library Access & Privileges Printing & Photocopying Workshops & Research Help More... Real Estate In addition to the resources found in the Business and Economics Library, Avery Library has an extensive real estate collection. These resources were selected for their authority, ease of use, and accessibility. If you need more assistance, speak to a reference librarian. See http://www.columbia.edu /cu/lweb/indiv/business/refservices.html for Reference Desk hours or email the reference librarians: business@libraries.cul.columbia.edu Additional resources can be found in CLIO , the library catalog. Contents: Directories Handbooks Periodicals Indexes, Abstracts and Full Text Internet Resources DIRECTORIES Crittenden Directory of Real Estate Financing. HG2040 .C7 (Reference) Alphabetical directory of real estate lenders (banks, REITs, pension funds, etc.) throughout the U.S. Includes type of financing, type of projects, and contact information. Cross-indexed by real estate sector (apartments, offices, industrial, etc.). Crittenden Directory of Real Estate Investors & Buyers HD1361.D57 (Reference) Directory of real estate investors. Manhattan Cooperative and Condominium Directory. AA50 M3 (Avery Reserves) Directory of cooperative and condominium apartment houses in Manhattan. Nelson's Directory of Institutional Real Estate. AA50 N33 (Avery Library Reference) Separate sections cover real estate investment management firms, real estate service firms, pension funds and foundations that invest in real estate, the 2,000 largest corporations with active real estate operations, and real estate investment trusts. Each entry includes an overview of the firm, names of key executives, and contact information. Searchable geographically and by type of service offered. Covers mainly the U.S., with some foreign entries. Back to the table of contents. HANDBOOKS Handbook of Real Estate Terms. HD1390 .D48 (Reference) Brief definitions of 2,700 terms and acronyms. McGraw-Hill Real Estate Handbook. HD1375 .M17 1993 (Reference) Has 31 chapters by various authors on aspects of the real estate business, financing, buying and selling, and taxation. Back to the table of contents. PERIODICALS National Real Estate Investor http://www.columbia.edu/cgi-bin/cul/resolve?clio3327469.001 Also available in print: Slot N-254 (Current Periodicals) Forecast -- Conditions in Leasing, Financing, Construction and Investment Trends: published in February. Real Estate Alert http://www.columbia.edu/cgi-bin/cul/resolve?clio3327945.002 Professional newsletter covering the industry. Real Estate Economics: Journal of the American Real estate and Urban Economics Association http://www.columbia.edu/cgi-bin/cul/resolve?clio3430028.004 Also available in print: Slot R-200 (Current Periodicals) Scholarly journal covering various aspects of real estate markets. Real Estate Finance http://www.columbia.edu/cgi-bin/cul/resolve?clio3430029.001 Also available in print: Slot AB R221 (Avery Library Reserves) "The quarterly review of commercial finance techniques." Published by Institutional Investor, Inc. Real Estate Finance and Investment http://www.columbia.edu/cgi-bin/cul/resolve?clio4814204.002 Also available in print: KF5698.3.Z9 .R42 (Business Reserves) Professional newsletter covering the industry. Real Estate Forum http://www.columbia.edu/cgi-bin/cul/resolve?clio3431203 Also available in print: Slot R-206 (Current Periodicals) Real Estate Issues http://www.columbia.edu/cgi-bin/cul/resolve?clio3430030.001 Also available in print: Slot AB R224 (Avery Library) Real Estate Review Print: Slot R-220 (Current Periodicals) Covers real estate market trends, financing and investment opportunities. Back to the table of contents. DATABASES ABI/Inform on ProQuest Direct . http://www.columbia.edu/cu/lweb/eresources/databases/4371876.html Online database which contains citations and abstracts of over 1700 business and economics journals with over 700 of these available full-text and/or imaged. Delivery options include email, downloading, and printing. Coverage: 1971 to present; Updates: Weekly Bloomberg. Business Electronic Resources (Library Use Only) Bloomberg is rich with information on Real Estate Investment Trusts, Real Estate Financing, and related data. Tye "REL" and hit the GO key for the real estate menu of equity analytics. Coverage: varies; updates: constant. Business Source Premier http://www.columbia.edu/cu/lweb/eresources/databases/4784657.html Covers all disciplines of business, including marketing, management, accounting, finance, international business, econometrics and economics. Contains full text of the Harvard Business Review, California Management Review and other important journals. BSP also includes country reports from EIU and Global Insight as well as company reports from Datamonitor. Factiva http://www.columbia.edu/cu/lweb/eresources/databases/3272677.html Factiva is an excellent resource for finding company and industry information. Factiva contains a database of nearly 8,000 publications, including: academic and trade publications, industry newsletters, international and regional newspapers, business magazines, and business newswires. The two sections of the database that are most commonly used for this assignment are the "Factiva Library" (which allows researchers to search the 8,000 sources) and the "Quick Company Search" (which contains company profiles - information about: finances, competitors, company history, etc.). LexisNexis Academic http://www.columbia.edu/cu/lweb/eresources/databases/2100385.html Comprehensive online database which affords access to hundreds of information sources, including the full text of newspapers, magazines, wire services, newsletters, journals, and broadcast transcripts. Coverage: Varies by source; Updates: Varies by source ULI Development Case Studies http://www.columbia.edu/cu/lweb/eresources/databases/4823442.html Access to more than 300 detailed case studies of completed projects ranging from low-income housing to mixed-use downtown developments to commercial and industrial projects. The case studies provide photographs and site plans, information on costs and rents, innovative features and strategies of the project, and an explanation of the entire development process. It covers projects from 1985 to the present. Thirty new case studies are added every year. Back to the table of contents. All electronic services are restricted to current students, staff, and faculty at Columbia University, Teachers College, and Barnard College with a valid CUNIX ID and logon. © Columbia University Libraries My Library Account | Hours | Contacts | Suggestions Last update: 2005-11-30