real estate broker, who
Real Estate - Forbes.com U.S. | EUROPE | ASIA Jump Select Section Home Investment Newsletters Polls & Discussions Premium Tools Special Reports Video & Audio Watchlist IT Research Library IT Product & Service Search Business -Manufacturing -Technology -Commerce -Services -Energy -Healthcare -Small Business Technology -E-Business -Enterprise Tech -Infoimaging -Personal Tech -Science & Medicine -Wireless Markets -Equities -Economy -Commodities -Bonds -Emerging Markets -Currencies Work -Careers -Compensation -Entrepreneurs -Management Lists -Companies --Forbes 500s --Forbes Global 500 --200 Best Small Cos. --400 Best Big Cos. --Largest Private Cos. -People --World's Richest People --100 Top Celebrities --400 Richest Americans --Best Paid CEOs -Places --Best Places Personal Finance -Estate Planning -Funds -Philanthropy -Retirement -Strategies -Taxes Lifestyle -Collecting -Health -Real Estate -Sport -Travel -Vehicles -Wine & Food Columnists Magazines -Forbes Magazine -Forbes Global -Forbes FYI -Forbes ASAP -Best of the Web -Archives -Subscriptions Tools About Us Contact Us Help Reprints/Permissions Sitemap Advertising Conferences Forbes Collection Forbes Mobile Special Advertising Search Quote HOME PAGE FOR THE WORLD'S BUSINESS LEADERS Home Special Advertising Section Paid Advertisement Article When it comes to Real Estate, Knowing Your Stuff is the Key to Success Are you looking to buy or sell a home or other piece of property? The real estate market is a difficult one, and should not be entered casually. With the right information, you can make your venture a success, but all to often lack of foresight and failure to do the proper exploration leave consumers in unfortunate situations that are difficult to rectify. An educated consumer is a happy consumer, and in no market is this truer than the property market. Before you commit, learn as much as you can – whether you’re buying or selling, you’ll never regret doing a little extra research. Real Estate Basics To begin with the basics, let’s consider a few definitions. “Real Property” is legally defined as “land and improvements permanently attached to the land.” Improvements include everything from houses and garages to in-ground swimming pools, but exclude portable items like mobile homes and tool sheds. Also included in real property are substances beneath the land, such as gas, minerals and oil. There are many types of real estate, but most consumers will encounter only two: single-family homes and commercial property. Commercial property may include spaces used for retail, office, shopping, hotels, warehouses, manufacturing facilities, apartment complexes, as well as vacant land zoned to be used for any of those purposes. Aside from specialty properties like farms and industrial sites, almost any property to be used for anything besides a single-family homes is considered commercial. Different rules govern transactions involving each kind of property, and it’s important to know what you will encounter before you get started. The use of any property is limited by zoning laws, which govern the purpose – for example, housing, retail, or industrial – for which the real estate can be used. Zoning laws also restrict the size and height of buildings, the portion of property that may be used for parking, how far buildings must be set from the street and from each other, and whether and what kind of hazardous materials can be stored there. Public easement and right of way laws, which fall into the general category of zoning, outline whether and which parts of private property must be reserved for public use, usually in the form of sidewalks, electrical lines, sewer pipes, fire hydrants and similar public goods. Laws differ from town to town, so if you are looking at multiple locations, keep track of how each municipality’s rules will affect how you can use your property. Choosing a Real Estate Professional Although some people prefer to work on their own, it is usually good to hire a licensed real estate professional if you are looking to buy or sell a house. You may choose between a real estate broker, who is independently licensed to review the entire market and show any house that suits your needs, and a real estate agent who works for a specific company and is usually restricted to showing properties in that company’s listings. Which one you choose will depend on your needs, budget, and the number of real estate companies competing in your area. If there are a large number of companies, you may do better with a broker, but if there are only a few, you can save money by using an agent. No matter what type of professional you choose, there are a few things you should consider before making your decision. How does the agent or broker intend to market your house? How successful has he been in the past, particularly with homes in your range and area? If he is an agent, what is his company’s track record? What is the time limit on the contract you will sign, and can you break it if you’re dissatisfied? Do you feel comfortable that he understands your needs and will work hard to meet them? Recall that, above all, real estate agents are salespeople, so be sure that you are confident that they are working with you as well as for their employers. A great way to narrow down choices is to check the Internet for websites that compare companies and agents in your area. You may also want to talk with friends who have recently moved about their experiences with local agents and brokers. Buying and Selling: What You Need to Know When you are in the market to buy, your individual situation will determine whether or not to hire a professional. You may find that you can do well enough finding suitable listings without the help of an agent. However, if you live in a city where good housing is scarce, you may want to engage someone to help you discern the good from the bad. Real estate agents can also be very helpful when it’s time to close the deal, sorting out what items are included with the house (for example, appliances and furnishings) and working with the seller to divide costs fairly. Although it is possible to sell your home without professional help, but this should be attempted with great caution. A real estate professional will help sort through potential buyers to find people who are serious, work with to get a fair price for your property, and be indispensable at closing time when it comes to dividing up property taxes and other shared costs. In general, as a seller, you should expect to run up against a number of expenses when you close on your house. These may include excise tax (a tax levied on the seller of any property or item), attorney and professional fees, property taxes, real estate commission, and fees for survey, inspection, certification and other items, depending on the laws of the state in which the house is sold. Commercial Property: Buying and Selling If you are looking to buy or sell commercial property, your best bet is to engage a real estate attorney who can advise you on legal matters involving the transfer. As with home purchases, it’s important to have the property inspected thoroughly before committing to buy. You will also want to ensure that zoning laws permit you to renovated buildings to suit your needs – for example, buildings that are zoned as small retail outlets may not always be turned into restaurants; warehouses may not necessarily be converted to apartment complexes. Real estate lawyers will make sure that you know as much as possible about your property before you buy. Do Your Homework Youll be Amazed at the Difference it Makes! The best way to be successful in any real estate transaction is to come in with your eyes open. Listed below or some top real estate websites that can help you find what you're looking for today: HomeGain: Selling Your Home? - Let local real estate agents know about the home you'd like to sell so they can address your specific needs. They will send you customized responses including their credentials, business experience, and commission rates to compete for your business. HomeGain: Buying A Home? - Let local real estate agents know about the home you'd like to buy so they can address your specific needs. They will send you customized responses including their credentials, business experience, and local market knowledge to compete for your business. Foreclosure Search: Simple Real Estate Secrets - Search foreclosures in the USA. Includes bank foreclosures, court foreclosures, pre-foreclosures, homeowners in bankruptcy, HUD homes, VA homes, government homes & more! Make Real Money Investing In Real Estate - Lou Vukas gives you the insider secrets to making real money in real estate regardless of your credit, finances or location. ^ Paid Advertisement Article ^ Ad Information Forbes.com Wireless Reprints / Permissions Subscriber Services ©2004 Forbes.com™ All Rights Reserved Privacy Statement Terms, Conditions and Notice Search Engine Marketing by 360i, Inc.
Home Equity Loan /
Home Equity Loan | Home Equity Line of Credit -- BUY A HOME SELL A HOME HOME LOANS NEW HOME CONSTRUCTION ABOUT US MY ACCOUNT Find a REALTOR ® Buy or sell your home and you may receive a Gift Card worth up to $1,000. Find a REALTOR ® Find a Builder with iNest and Get 1% Cash Back! Finance Your Home Get a Mortgage Refinance Your Mortgage Home Equity Loan / Line of Credit Online Credit Report Search Homes for Sale Start Your Search Home Price Check ® Additional Services Insurance Quotes Get a Home Warranty Get a Home Inspection Find a Mover Find Home Improvement Professionals Change Your Address Setup Your Utilities Learning Center Qualifying for Home Loan How Much Can You Afford? How To Choose the Right Loan You are here: Home | Home Finance | Home Equity Loan Center Home Equity Loan Center Get up to 4 lenders competing for your home equity loan. When Banks Compete, You Win ® ! 3 Great Reasons to Use Your Home's Equity 1. Home Improvements Why wait to make needed home improvements. Redo your bathroom or kitchen now. 2. Major Purchases Thinking about buying a car or boat? Take advantage of low home equity rates now. 3. Dream Vacation The weather is getting warm. If you want to get away think about using a home equity line of credit. Login and View Your Offers Email: Password: Forgot Your Password? Know Your Credit Score. Make Smarter Decisions. Credit Reports TM , Score Power ® and Score Watch TM give you the tools you need to understand, manage and use your credit wisely. Need Help Before Getting Started? How large a line of credit can you obtain? Before You Remodel Your Home Should you consolidate debts? Home equity loan or an auto loan? Home Improvement What is a Credit Score? Furnishing on a Budget How to Find an Architect Buying a Home | Selling a Home | Homes for Sale | Credit Report & Score | House Prices at Domania New Home Construction | Find a Mover | Find a REALTOR ® | Home Financing | Real Estate Learning Center Customer Service | Publications | For the Media | News Releases | Join Our Real Estate Network | Post Home Listings Privacy | Security | Terms of Use | Jobs | Disclosures and Licenses | Sitemap | Loans | Commercial Real Estate Houses for Sale in: Atlanta | Austin | Boston | Charlotte | Chicago | Dallas | Denver | Houston | Las Vegas | Los Angeles Miami | Minneapolis | New York | Philadelphia | Phoenix | San Antonio | San Diego | San Francisco | Seattle Washington, DC | Real Estate in More Cities LendingTree technology and processes are patented under US Patent Nos. 6,385,594 and 6,611,816. © 1998 - Real Estate.com, a service of LendingTree, LLC. All Rights Reserved.This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Conversion to LendingTree, LLC We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. REALTOR ® -- A registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. Not all of the real estate professionals participating in the "Agent's Competing" program are REALTORS ® , which are members of the National Association of REALTORS ® . The Home Depot ® is not affiliated with LendingTree, LLC. The Home Depot ® is a registered trademark of Homer TLC, Inc. RealEstate.com is not sponsored by or affiliated with the parent franchisor companies of any of the participating members of its network. Partner Sites: Citysearch | Expedia | Hotels.com | Ticketmaster.com | Hotwire.com | Entertainment.com | Match.com Home Shopping Network | ReserveAmerica | LendingTree.com | iNest | ServiceMagic | Ask Jeeves | Gift Ideas Mortgage Calculator | Refinance at GetSmart | LendingTree Mortgage | Free Online Credit Report | Home Equity Loans
Home Mortgage will give
Mortgages Choice Home Mortgage Reverse Mortgages Website Production By: Contact Us Apply Online Loan Guide Welcome to ChoiceHomeMortgage.com We offer mortgage and home loan programs available from over FIFTY regional and national lenders. We can help you to purchase a new home or refinance your current one for home improvement, consolidation of debt, or just to lower your existing monthly mortgage or home loan payments. We will find for you some of the lowest mortgage and home loan interest rates lenders have to offer. Apply online , now and $ave HUNDREDS , contact us . Whether you are buying a home or refinancing your existing mortgage, Choice Home Mortgage will give you the personalized attention you deserve. In the event you have ever filed for personal bankruptcy or have past or existing credit problems, our LOAN STALKER can help you obtain the mortgage you are seeking. Please call, all information about your mortgage is kept confidential. Choice Home Mortgage Phone: 1-800-525-9940 Fax: 631-758-9201 e-mail: info@choicehomemortgage.com We write mortgages for more than 50 regional and national lenders, clients with perfect credit, and those with less than perfect credit! Apply Online | About Us | Loan Programs | Non-Conforming Loans | Step By Step Guide Loan Document Checklist | $ave Hundreds | Contact Us Registered Mortgage Broker NYS Banking Department All loans arranged through excellent third party lenders. Mortgage Rates For Conventional & Non Conforming Loans Mortgages and Home Loans For Mortgage Rates use our free quote form. Choice Home Mortgage located in Long Island NY
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Mortgage | Home Loans | Refinance | Home Equity | REALTORS | Auto | Mortgage Refinance Home Mortgage Refinance Home Equity Auto Find a Home FREE Credit Report Knowledge Center more Site Map | About Us | Contact Us Already a Customer? Login Loans Home Refinance Home Mortgage Home Equity Auto Refinance Auto Loan Student Loans Commercial Loans Real Estate Services Find a REALTOR ® Home Price Check ® Newly Constructed Homes Homes for Sale More Services Free Credit Report Free Credit Score Free Insurance Quotes Living with Debt Report LendingTree in the News The Today Show™, USA Today®, CNBC®, and Time Magazine® are trademarks of their respective owners. These companies are not affiliated with and do not endorse LendingTree, LLC. Compare and act on up to 4 customized offers instantly! Loan Type: Property State: Home Description: Select a Loan Type Refinance Mortgage Home Equity Loan/Line Purchase Home Auto & Motorcycle Loan Refinance Auto Loan Personal Loan Credit Card Commercial Lending Student Loan Select Property State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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 Select Home Type Single-Family Detached Town House Condo w/ 4 or fewer stories Condo w/ 5 or more stories 2-4 Units Cooperative Modular Mobile Home (permanent) Privacy and Security PROTECTED Find a Home Already pre-qualified for your mortgage but haven't found a home yet? Find a REALTOR ® and the home of your dreams. Receive a gift card up to $1000 * or more. The LendingTree Advantage One simple form, compare and act on up to 4 customized offers instantly! 93% customer satisfaction. 9 out of the top 10 financial institutions are a part of the LendingTree network . 4 Make smarter decisions with FREE loan advice & calculators . Know your credit report & score . Select a Loan Type Refinance Mortgage Home Equity Loan/Line Purchase Home Privacy Policy | Security | Terms of Use | Licenses & Disclosures Sitemap | En Español | Do Not Call | Publications | For the Media | News Releases Jobs | Partnership Programs | Get Internet Mortgage Leads from LendingTree | Get Internet Mortgage Leads from GetSmart Join Our Real Estate Network | Post Home Listings | Affiliate Program | House Prices at Domania Partner Sites: Ask | Citysearch | Expedia | Hotels.com | Ticketmaster.com | Hotwire.com | Entertainment.com | Gifts Match.com | Home Shopping Network | ReserveAmerica | RealEstate.com | iNest | ServiceMagic LendingTree technology and processes are patented under US Patent Nos. 6,385,594 and 6,611,816. © 1998 - LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Conversion to LendingTree, LLC Official Home Makeover Holiday Sweepstakes Rules * Gift Card Terms and Conditions Click here for LendingTree Promotional Offer Terms 4 Based on total asset size of bank holding company as of 12/31/2004 as reported on the National Information Center web site for the Federal Reserve. REALTOR ® -- A registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. The Home Depot ® is not affiliated with LendingTree, LLC. The Home Depot ® is a registered trademark of Homer TLC, Inc. Find REALTORS ® | Look for Houses for Sale | Mortgage Calculator | Refinance at GetSmart | Find Real Estate | Free Online Credit Report `
Colorado Real Estate Guide
Mountain Homes Illustrated Colorado Real Estate: Mountain Homes, Land, Ranches and Commercial Properties in Summit County, Park County, Grand County, Chaffee County and surrounding areas BROKER LOGIN | PUBLISHER LOGIN | ADD YOUR COMPANY! December 29, 2005 165 UsersOnline | 45562 LeadsToDate | © 2005 MHPI UP-TO-THE-MINUTE INFORMATION ... 42913 LISTINGS AND GROWING BY THE MINUTE ... CLICK "NEWEST LISTINGS" BELOW ... OR SEARCH BY FEATURE AT LEFT ... TODAY'S ACTIVE BROKERS ARE LISTED FIRST BELOW... FIND OTHER ADVERTISERS ALPHABETICALLY BY CLICKING ON FIRST LETTER OF COMPANY NAME ... BROKERS LOG IN AT UPPER LEFT ... NEW ACCOUNTS SELECT "JOIN" ... OR CALL 1-800-841-5185 ... THIS SITE POWERED BY XDEADLINE.COM SEARCH 5,447 COLORADO PROPERTIES You can now be automatically notified when a new property matches your search criteria NEWEST Listings in... KEYSTONE MORRISON Buena Vista Guffey Westcliffe Florissant FRISCO BRECKENRIDGE COPPER MOUNTAIN GRAND LAKE SALIDA WINTER PARK Canon City SILVERTHORNE KREMMLING Central City Condos and Townhomes Single Family Homes Lots and Acreages Homes on Acreage Log Homes Commercial Properties Mountain Living Farm and Ranch Properties Getaway Properties Resort Properties Furnished Properties Duplex-TriPlex-Multi Recreational Properties Corner Lot Affordable Bed & Breakfast Golf Course Properties Country Living NEW LISTING Fine Homes Horse Properties Motivated Seller Creekfront Properties Victorian Fixer Upper Gorgeous Views Executive Homes MAGAZINE TITLES • Roaring Fork Valley Real Estate Guide • Mountain Homes Illustrated • Evergreen Conifer Real Estate Guide • Colorado Mountain Real Estate Guides • Summit County Real Estate Guide • Chaffee County Real Estate Guide • Grand County Real Estate Guide • Park County Real Estate Guide • Steamboat Springs Real Estate Guide • Pagosa Area Real Estate Guide • San Luis Valley Real Estate Guide • Vail Valley Real Estate Guide • Custer County Real Estate Guide • Southern Colorado Real Estate Guide • Royal Gorge Real Estate Guide ADVERTISING INFO • Distribution Map • Ad Proofs • Ad Rates • Suggestion Box • Pay Bill Online MAIN MENU Home • Add Your Link • Links • USAHomes.org • Site Statistics • Legal Notice • Contact Us / FTP AD DEADLINES Mountain Homes Illustrated Ski Season V15N1 ADS DUE: Wednesday, January 4 Carbon County Real Estate Guide Spring 2006 Number 5 ADS DUE: Wednesday, February 8 Evergreen Conifer Real Estate Guide March/April Number 10 ADS DUE: Wednesday, February 15 Grand County Real Estate Guide Number 33 Spring ADS DUE: Wednesday, March 1 Mountain Homes Illustrated Memorial Day V15N2 ADS DUE: Wednesday, March 15 Chaffee County Real Estate Guide Spring NUMBER 15 ADS DUE: Wednesday, March 22 Chaffee County Real Estate Guide Spring / Summer NUMBER 15 ADS DUE: Wednesday, March 22 Evergreen Conifer Real Estate Guide May/June Number 11 ADS DUE: Wednesday, April 19 Carbon County Real Estate Guide Summer 2006 Number 6 ADS DUE: Wednesday, May 10 Mountain Homes Illustrated 4th of July V15N3 ADS DUE: Wednesday, May 31 Site Map COLORADO MOUNTAIN HOMES PUBLISHING INC CLICK HERE To See Our Other Magazine Titles Mountain Homes Illustrated (548) Evergreen Conifer Real Estate Guide (488) Grand County Real Estate Guide (107) Summit County Real Estate Guide (91) Chaffee County Real Estate Guide (62) Park County Real Estate Guide (34) Vail Valley Real Estate Guide (16) Southern Colorado Real Estate Guide (16) Royal Gorge Real Estate Guide (10) San Luis Valley Real Estate Guide (9) Custer County Real Estate Guide (9) Pagosa Area Real Estate Guide (7) Colorado Mountain Real Estate Guides (4) Steamboat Springs Real Estate Guide (2) Roaring Fork Valley Real Estate Guide (0) SEARCH PROPERTIES | | 100 NEWEST LISTINGS | | ADVERTISER LINKS | | CONTACT US [A] [B] [C] [D] [E] [F] [G] [H] [I] [J] [K] [L] [M] [N] [O] [P] [Q] [R] [S] [T] [U] [V] [W] [X] [Y] [Z] [1-9] Listings Updated December, 29 (Kremmling) (27 Properties) "Specializing in Grand & Summit Counties!" 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Listings Updated December, 28 (Salida) (23 Properties) "Real Results For Real People" (Buena Vista) (25 Properties) (Alma) (31 Properties) "PROFESSIONAL AND EXPERIENCED IN PARK COUNTY REAL ESTATE" (Buena Vista) (Conifer) (4 Properties) "Working hard to make your transaction smooth!" (Breckenridge) (8 Properties) (Westcliffe) (8 Properties) "Homes, ranches, and vacant land." (Canon City) (37 Properties) "Come Live Your Mountain Dream!!" (Pine) (9 Properties) "EXPERIENCE, KNOWLEDGE, RESULTS!" (Breckenridge) (59 Properties) "Rock Solid in Summit County Real Estate" (Salida) (22 Properties) "MAKING REAL ESTATE REAL EASY!" (Frisco) (8 Properties) "Joanne Hanson's Mountain Living Team" (Alma) (32 Properties) "Cabins, Homes & Land in Park County" (Golden) (6 Properties) "Your Realtor For Life" (Salida) (111 Properties) "A HALLMARK IN REAL ESTATE" (Fairplay) (27 Properties) "In the Heart of the Rockies" (Grand Lake) (41 Properties) "Grand Lake's Newest Office!" (Lakewood) (3 Properties) "Sun-sational Transactions guaranteed!" (Buena Vista) (103 Properties) "Experience is our edge" Listings Updated December, 27 Listings Updated December, 26 TODAY'S FEATURED LISTINGS Westcliffe,CO BED & BREAKFAST IN THE MOUNTAINS Guffey,CO LARGE ACREAGE BORDERING NATIONAL FOREST ,CO OLD RANCH BLUE RIVER,CO 3 HUGE BEDROOMS W/ATTACHED BATHS Evergreen,CO EVERGREEN Guffey,CO WATCH THE ELK Westcliffe,CO UTE MESA HOME Westcliffe,CO COME ENJOY COUNTRY LIVING! Florissant,CO 65 ACRES WITH PANORAMIC VIEWS Guffey,CO NEARLY NEW HOME ON 6 ACRES XDEADLINE.COM LEGAL NOTICE UPDATED Dec 26, 2005 Our associated domains: () are a compilation of ads that have appeared in current or previous issues of our participating homes and real estate magazines, properties submitted by individual brokerages, and linkssubmitted by individual Web Site Owners. 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