Home Equity Line of

Home Equity Loans/Lines Overview Fixed-Rate Second Mortgage Home Equity Line of Credit Visa Platinum PowerHouse Loan Serving Members Since 1936 ONLINE BANKING Mortgage Calculator Rates & Terms Equifax: Get Your Credit Report New Account Identification Fixed-Rate Second Mortgage When you need money, the equity in your home can be one of your greatest financial resources. And with a Fixed-Rate Second Mortgage, you can borrow up to 100% of your home's value. You can use this equity in your home to pay off high-rate credit cards, make homeimprovements, finance your child's education, or finally take your dream vacation. Low, fixed rates Interest potentially tax deductible * Fixed terms up to 25 years Available for both owner occupied and non-owner occupied properties No maximum loan amount No pre-payment penalty Borrow as little at $10,000 Apply online! [ Back To Top ] Interest-Only Home Equity Line of Credit With USEs Interest-Only Home Equity Line of Credit, you can make the big purchases or investments you have been dreaming about while paying only the interest on a monthly basis. And with an introductory rate as low as only 6.50% APR* , you can get the cash you need for one low monthly payment. You can access your Interest-Only HELOC through a checkbook or ATM card. Low, variable rates APR as low as 6.50% for the first six months * Credit lines up to $500,000 No points, fees, or upfront costs ** Checkbook and ATM access No annual fee Primary residence or rental property - same low rate One of the industrys lowest floors (1.00%) and ceilings(11.99%) Tax-deductible interest in most cases *** Apply online! *Rates effective as of 12/1/2005. An introductory Annual Percentage Rate (APR) as low as Prime Rate minus 0.50% is valid for the first 6 months from the date of loan origination. Currently, your discounted rate would be as low as 6.50% APR. Thereafter, your rate may be as low as the Prime Rate, as published in The Wall Street Journal, which is currently 7.00%. Prime Rate may change at any time, although your rate is subject to change quarterly. The maximum APR is 11.99%. The $35 Annual Fee is waived for the first year and assessed on your anniversary date any year thereafter when your balance is less than $10,000. To qualify for the lowest rate, members must have above-average established credit and meet certain loan-to-value ratios. For loan amounts in excess of $250,000, the borrower is responsible for paying all actual costs incurred, based on the loan amount established. Offer available for new home equity lines of credit on both owner- and non-owner occupied, 1-4 unit properties, in the state of California. If the loan is closed within the first three years from the origination date, an Early Account Closure Fee may be assessed on loans with credit limits of $250,000 or less. A Reconveyance Fee will be charged when your loan is paid in full. Consult your tax advisor regarding the tax deductibility of interest. Certain limitations apply. Loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. [ Back To Top ] Home Equity Line of Credit Platinum Visa With USE's Home Equity Line of Credit Platinum Visa, you can access the equity in your home with the convenience of a Platinum Visa credit card. And, at an introductory rate as low as only 6.50% APR * , it's the low-rate opportunity of a lifetime. Use your Home Equity Line of Credit for just about anything, like purchasing a new car, paying for your child's education, taking your dream vacation, or remodeling your home. Low, variable rates APR as low as 6.50% for the first six months * Credit lines up to $500,000 No points, fees, or upfront costs * Platinum Visa, check, or cash access No annual fee * Primary residence or rental property - same low rate 100% tax-deductible interest * One of the industry's lowest floors (1.00%) and ceilings (11.99%) Apply online! For important disclosure information, click here . *Rates effective as of 12/1/2005. An introductory Annual Percentage Rate (APR) as low as Prime Rate minus 0.50% is valid for the first 6 months from the date of loan origination. Currently, your discounted rate would be as low as 6.50% APR. Thereafter, your rate may be as low as the Prime Rate, as published in The Wall Street Journal, which is currently 7.00%. Prime Rate may change at any time, although your rate is subject to change quarterly. The maximum APR is 11.99%. The $35 Annual Fee is waived for the first year and assessed on your anniversary date any year thereafter when your balance is less than $10,000. To qualify for the lowest rate, members must have above-average established credit and meet certain loan-to-value ratios. For loan amounts in excess of $250,000, the borrower is responsible for paying all actual costs incurred, based on the loan amount established. Offer available for new home equity lines of credit on both owner- and non-owner occupied, 1-4 unit properties, in the state of California. If the loan is closed within the first three years from the origination date, an Early Account Closure Fee may be assessed on loans with credit limits of $250,000 or less. A Reconveyance Fee will be charged when your loan is paid in full. Consult your tax advisor regarding the tax deductibility of interest. Certain limitations apply. Loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. [ Back To Top ] PowerHouse Loan The PowerHouse Loan is based on your creditworthiness not the equity in your home. Therefore, you can access the funds youneed even if you only recently purchased your home. Low, fixed rates Interest Potentially Tax Deductible * No appraisal required Borrow $5,000 to $15,000 5- to 7-year terms In most circumstances, funds can be available in as little as 10 days No pre-payment penalty Available on owner occupied properties only Apply online! Special Note: Even if you currently have a Home Equity Credit Line or Second Trust Deed with USE, you may still qualify for aPowerHouse Loan. However, if your equity credit line or second trust deed is held by another financial institution, we cannot arrangea PowerHouse Loan unless we pay off the existing loan. Owner-occupied residences only. [ Back To Top ] All loans are subject to approval. Home Equity and PowerHouse Loans are not available when your first mortgage has a balloon payment. California properties only. A fee will be charged for reconveyance when your loan is paid in full.*Please consult with your tax advisor for IRS guidelines on the deductibility of interest payments. Home Equity Line of Credit (HELOC) Platinum Visa * Annual Percentage Rate 6.50 % Variable Rate Information Annual Percentage Rate varies quarterly based on the Wall Street Journal Prime Rate plus a margin. Variable Rate not to exceed 11.99% or be less than 1.00%. Grace period for the repayment of the balance of purchases On new purchases paid in full by payment due date as set forth on your periodic statement. Method of computing the balance for purchases Average Daily Balance Method(including current transactions) Annual Fee $35.00. Waived for the first year; waived if balance is $10,000 or greater. Cash Advance Fee None Late Payment Charge $10.00 if your minimum monthly payment is more than 10 days late Overlimit Fee $10.00 for each billing cycle we receive a purchase or advance which causes you to be over the limit. Effective Date December 1, 2005 * Index of 7.00% - 0.50% = 6.50%. Index of 7.00% + 1.50% = 8.50%, effectiveDecember 1, 2005.Rates and Terms subject to change at any time. USE is an Equal Housing Lender [ Back To Top ]

Colorado Real Estate

REcolorado.com - brought to you by Metrolist Inc. -- Welcome to REcolorado - Colorado's Premier Public Property Listing Website Find A Home Required Fields Property Type: Residential Condominium Income Land Sort Order: Price City Square Feet Bedrooms Bathrooms Street Name Optional Fields Price: (default $0 to $999,999,999) From To Finished Square Ft: From To Bedrooms: From To Bathrooms: From To Car Spaces: From To Address #: From To Street Name: City: ALL AGATE AGUILAR AKRON ALLENSPARK ALMA ARVADA AURORA BAILEY BELLVUE BENNETT BERTHOUD BLACK HAWK BOULDER BOW MAR BRECKENRIDGE BRIGHTON BROOMFIELD BRUSH BUENA VISTA BUFFALO CREEK BYERS CALHAN CANON CITY CARBONDALE CASTLE ROCK CEDAREDGE CENTENNIAL CENTRAL CITY CHERRY HILLS VILLAGE COALDALE COKEDALE COLORADO CITY COLORADO SPRINGS COLUMBINE VALLEY COMMERCE CITY COMO CONIFER COPPER MOUNTAIN COTOPAXI CRAIG CRESTED BUTTE DACONO DEER TRAIL DELTA DENVER DILLON DIVIDE DRAKE DUMONT DUPONT EAGLE EASTLAKE EATON EDGEWATER ELBERT ELIZABETH ELK SPRINGS EMPIRE ENGLEWOOD ERIE ESTES PARK EVANS EVERGREEN FAIRPLAY FEDERAL HEIGHTS FIRESTONE FLAGLER FLORISSANT FORT COLLINS FORT LUPTON FORT MORGAN FOUNTAIN FOXFIELD FRANKTOWN FRASER FREDERICK FRISCO GARDNER GEORGETOWN GILCREST GLENDALE GLENWOOD SPRINGS GOLDEN GRANBY GRAND JUNCTION GRAND LAKE GRANT GREELEY GREENWOOD VILLAGE GROVER GUFFEY HAMILTON HARTSEL HENDERSON HIGHLANDS RANCH HILLROSE HOEHNE HOT SULPHUR SPRINGS HUDSON HUGO IDAHO SPRINGS IDLEDALE INDIAN HILLS JAMESTOWN JEFFERSON JOHNSTOWN KEENESBURG KEYSTONE KIOWA KITTREDGE KREMMLING LA SALLE LA VETA LAFAYETTE LAKE GEORGE LAKEWOOD LARKSPUR LAST CHANCE LEADVILLE LIMON LINDON LITTLETON LIVERMORE LOCHBUIE LONE TREE LONGMONT LOUISVILLE LOVELAND LYONS MATHESON MEAD MEEKER MERINO MILLIKEN MOFFAT MONTROSE MONUMENT MORRISON NATHROP NEDERLAND NIWOT NONE NORTHGLENN NUNN ORCHARD OTIS PALMER LAKE PARKER PARSHALL PEETZ PENROSE PEYTON PINE PINECLIFFE PLATTEVILLE PUEBLO RAMAH RED FEATHER LAKES ROGGEN ROLLINSVILLE RUSH SAGUACHE SALIDA SAN LUIS SAN PABLO SEDALIA SEIBERT SEVERANCE SHAWNEE SHERIDAN SILVER PLUME SILVERTHORNE SIMLA STEAMBOAT SPRINGS STERLING STRASBURG SUPERIOR TABERNASH THORNTON TRINIDAD TWIN LAKES VAIL VICTOR VONA WALDEN WALSENBURG WATKINS WATTENBURG WESTCLIFFE WESTMINSTER WESTON WHEAT RIDGE WIGGINS WINDSOR WINTER PARK WOODLAND PARK WOODROW WRAY YODER Zip Code: County: ALL ADAM ALAMOSA ARAPAHOE ARCHULETA BENT BOULDER BROOMFIELD CHAFFEE CLEAR CREEK CONEJOS COSTILLA CROWLEY CUSTER DELTA DENVER DOLORES DOUGLAS EAGLE EL PASO ELBERT FREMONT GARFIELD GILPIN GRAND GUNNISON HINSDALE HUERFANO JACKSON JEFFERSON KIOWA KIT CARSON LAKE LARIMER LAS ANIMAS LINCOLN LOGAN MESA MOFFAT MONTROSE MORGAN OURAY PARK PUEBLO RIO BLANCO ROUTT SAGUACHE SEDGWICK SUMMIT TELLER WASHINGTON WELD YUMA Subdivision: -- MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: MLS Number: Terms of Use Privacy Policy Fair Housing © 1998-2005 Metrolist, Inc. All rights reserved.

Buy Property

BBC - Homes - Property - Buying abroad Home TV Radio Talk Where I Live A-Z Index 29 December 2005 Accessibility help Text only BBC Homepage Lifestyle Homes Property Buying Buying at auction Viewing checklist How to rescue an empty property Buying checklist Money matters checklist Buying a property Buying abroad Auction glossary TV and radio Talk Newsletter Contact Us Like this page? Send it to a friend! Buying a property abroad Buying property abroad is more popular than ever, with increasing numbers of people following their dream in purchasing a holiday home, a buy-to-let, or moving lock, stock and barrel to the sun. If you're planning such a move, read our guide before you buy. In this article Location checklist Professional advice Costs Making an offer Buying in Spain Buying outside Europe Location checklist Before you start looking for a property, it's worth asking yourself a few basic questions, which should save you time and money in the long run: Do you prefer the town or country? Do you want to be inland or on the coast? Do you want to be isolated or in the thick of it? (Most people prefer to be within about an hour's travel time of a town.) How much outside space do you want? How close do you want to be to your neighbours? How close do you want to be to shops, bars and restaurants? Where's the nearest public transport, how often does it run, what time does it end? How far is the beach? How close are you to the nearest airport? How far is it to sports facilities, golf, tennis, swimming, and so on? How good are the local health and social services? Arts and entertainment - what's available in the area? Neighbours - what are they like and how often do you want to see them? If you're relocating abroad, take a look at the Practicalities checklist from Fresh Start to help you get organised for the big move. Professional advice Use qualified professionals to protect your interests and make the purchase of your new home a stress-free experience. Estate agents are a good source of advice. Only negotiate with ones that are officially registered and hold a licence. Ensure you have a good lawyer with an excellent command of English and the native tongue, to deal with the endless stream of rules and regulations. For instance, did you know that if you're buying in Spain you'll need to make out a will in Spanish before buying, or that you can inherit debts from a previous vendor? Costs Research all legal issues and costs involved. Your solicitor/lawyer will advise and assist you. Before you have decided on a property it's important to be fully aware of the legal process and costs involved in your puchase. Obtain professional advice and check your finances, taking account of these additional costs. Be well prepared with your finances; taxes can be high when buying. Set up a direct debit from a native bank account to pay for bills. Be careful not to miss payments and read those red letters; foreign banks are not lenient with those who don't pay up in time. If you're considering renting out the property when it's empty, bear in mind that advertising in the UK for a property abroad could result in tax demands from both the English and foreign authorities. Making an offer Make your offer in writing if possible (of course, subject to contract), and include not only the price, but also the amount of deposit, when you're prepared to pay it, when you're prepared to complete, what you understand to be included in the price (for example furniture and fittings if applicable) and, an often neglected point, that all machinery equipment and installations are in normal working order. For more information about buying abroad, the National Association of Estate Agents (NAEA) has a number of leaflets available. In Lifestyle DIY Living the dream Fresh Start Working abroad Holiday Uncharted Territory Elsewhere on bbc.co.uk Weather Business Languages Elsewhere on the web Buying property abroad The BBC is not responsible for content on external websites About the BBC | Help | Terms of Use | Privacy & Cookies Policy

Denver Real Estate

Denver real estate; temporary housing Denver Relocation Package 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 relevant to your needs. [ Click Here for More ] Search Denver MLS Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] House Hunting What to expect, how long will it take and what to bring. [ Click Here for More ] Cost of Living Comparison Check out the cost of living in Denver vs. your city. [ Click Here for More ] Denver Growth Past, present and future good growth news, see for yourself. [ Click Here for More ] Denver Climate Bring an umbrella if you want, but most of us don't own one! [ Click Here for More ] Moving Check List Stress-free moves require planning, use this list. [ Click Here for More ] Relocating Your Pet Don't forget Tabby and Fido, they deserve attention too! [ Click Here for More ] Temporary Housing In the event it is not possible to purchase and make one move to your new home, temporary housing is available in the Denver metro area. Most of these facilities specialize in short term housing, offeringfurnished rooms, condominiums and apartments, complete with fully appointed kitchens for youcomfort and convenience. AvenueWest Specializes in privately owned customized furnished lofts, condos and homes to service your temporary housing needs.Through the years AvenueWest has worked with Executive Travelers, Relocating Families, Displaced Homeowners/InsuranceClaims, Theatre Performers and Professional Athletes to list just a few categories. Please call Geri Gulesian at 303.825.7628 ext 208 or toll free 877.944.8283 303-850-9486 A Summit Executive Inns Serving DTC, Lonetree, SE Denver, Highlands Ranch, Federal Center, Lakewood, Golden, Denver West 888-208-9103 toll free or 303-771-8955 Corporate Housing Solutions Offering uniquely furnished apartments and condominiums for temporary living, 30 day minimum required.Specializing in the Denver metro area. 720-493-5335 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

Real Estate Broker and

NYS DOS, Real Estate Professional Page NYS Department of State Division of Licensing Services F requently A sked Q uestions Applicants for Real Estate Broker and Salesperson Licensure Do I need to be licensed? Generally, Article 12-A of the Real Property Law provides that anyone who, on behalf of another and for a fee, 1) negotiates a sale, exchange or rental of real property, 2) collects rent, or 3) negotiates a commercial loan secured by a mortgage must be licensed as a real estate broker. What is the difference between a real estate broker and a real estate salesperson? A real estate broker is responsible for the supervision and conduct of the real estate brokerage business. He or she applies for and holds the license on behalf of the brokerage. This person is known as the "representative broker." A real estate salesperson works for and is supervised by the representative broker. The salesperson acts as the representative broker's agent. All listings, although perhaps negotiated by a salesperson, are accepted by the representative broker. How do I become a real estate salesperson or broker? In order to qualify for licensure as a real estate salesperson, an applicant must have satisfactorily completed a 45 hour salesperson qualifying education course in real estate approved by the Secretary of State, and have passed a qualifying examination administered by the Department. In order to qualify for licensure as a real estate broker, an applicant must have at least one year of experience as a licensed real estate salesperson or at least two years of experience in the general real estate field (e.g., buying and selling your own property, managing property owned by your employer), have satisfactorily completed both the qualifying salesperson course of 45 hours and an additional 45 hour real estate broker course as approved by the Secretary of State, and have passed a qualifying examination administered by the Department. Who licenses mortgage brokers? Anyone who negotiates or attempts to negotiate any mortgage loan other than a mortgage loan on residential property, in the state of New York, is required to be licensed as real estate broker, or as a salesperson associated with a real estate broker. This license is issued by the NYS Department of State. To negotiate a mortgage loan on residential property (one to four family building) registration with the New York State Banking Department is required. If I am a real estate management company, do I need a real estate broker's license? That depends on what services you provide. If you collect rent or place tenants in vacant spaces on behalf of your landlord client, the answer is yes. If, on the other hand, your services are strictly maintenance, the answer is no. you are not acting as a fiduciary (not handling another person's money). Whom do I call if I am not sure whether I completed my 22.5 hours of continuing education during my license term? Contact the school(s) you attended. Schools are required by law to maintain course completion records for three years. You may request duplicate certificates from the school(s) in the event you are audited. In order to renew my salesperson license, I completed the 45-hour broker qualifying course. Can I apply the extra 22.5 hours to my next license term? No. The law clearly states that continuing education must be completed within each license term. I could not complete the continuing education, but I wish to renew my license anyway. Can I apply for an extension? Please refer to §177.6 in the real estate law booklet. Extensions will only be granted in bona fide hardship cases. You must submit the following, preferably prior to your license expiration: a written request for the extension, completed renewal form, fee, and original documentation demonstrating your hardship; i.e. , medical documentation. I think I might be exempt, but I am not sure when I originally became licensed. Can you tell me when I was first licensed? No. The Department of State only maintains seven years of real estate records. You may possibly determine your original date of licensure if you know when you completed the salesperson course and how long it took you after completing the course to apply for your license. What happens if I do not complete my continuing education and don't renew my license? If you do not renew your license, you cannot conduct any real estate activities that require a New York State real estate license in accordance with Article 12-A of the Real Property Law. There are no grace periods that allow you to continue working while not licensed. You have two years from the date your license expires to renew your license. If you fail to renew within that period, you will be required to pass the state written examination. No continuing education will be required to repeat the licensing process again. When you submit your new salesperson application, you must include the following: your new examination results, application fee, and a copy of your expired license/pocket card or ORIGINAL proof of completing the salesperson course. If possible, it is better to submit original proof of your salesperson course. If you do not have an original certificate, then call the school where you took the course to request another certificate. If you are applying for your broker's license, you must submit ORIGINAL proof of your 45-hour salesperson course and 45-hour broker course, or a copy of your expired broker's license. How do I obtain a waiver from the 45-hour salesperson or 90-hour broker course requirement? You must submit a written request stating the waiver you are applying for along with ORIGINAL proof of course completion, a detailed outline listing topics and hours, and a course description. We only review prelicensing courses from other states that were completed in a classroom setting. (No home-study/correspondence courses.) The prelicensing salesperson's course must be at least 45 hours of classroom instruction and the broker's course, 90 hours. In addition, if you have graduated with a Master's Degree with a concentration in real estate, you may qualify for a 90-hour waiver of the qualifying courses. Please submit an official transcript with your waiver request. If you are granted a waiver, you will receive the waiver letter, the license application, real estate law booklet, and examination schedules. When you are ready to apply for your license, please submit the ORIGINAL waiver letter with your application, fee, passed examination results, and any other required documents. I have been a real estate licensee for many years. Am I exempt from the continuing education requirements? Article 12A statutorily requires all real estate brokers and salespeople to complete 22½ hours of Department of State approved education within their two-year license period prior to the date of expiration. The law does provide for an exemption from this requirement for a real estate broker who has 15 consecutive years of combined licensure as a salesperson and a broker and who is actively engaged in the real estate business as a real estate broker at the time of renewal, or an admitted NYS attorney. Where do I get more detailed information? You may access pertinent law and regulations, applications and exam schedules from this website. You may also request this or other information by calling a Division of Licensing Services customer service representative at (518) 474-4429 or by writing to: New York State Department of State Division of Licensing Services 84 Holland Avenue Albany, New York 12208-3490 [ NYS Department of State Home Page ] [ Licensing Services Menu ] [ Real Estate Professionals Page ]