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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

What Mortgage Market Niche Are You In?
October 19, 2002 "I recently found what appeared to be the best deal on a 30-year fixed-rate mortgage from ads in the newspaper, but when I told the loan officer exactly what I needed, the price rose and the amount I could ... more...

investment real estate agent information purchase property related definitions

Real Estate Investment Trust
Real Estate Investment Trust (REIT) A trust that uses investors money to purchase and manage real estate. A Real Estate Investment Trust (REIT) is a company that invests its assets in real estate holdings. REIT investments may be excellent inflation hedge. REIT's ... more...

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

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Real Estate Investors Bank Foreclosures
To get your best deals in foreclosure properties follow these tips:Work with a Real Estate Agent - agents are ready and willing to work with investors, remember that agents expect to do business now dont drag them all over town wasting their time and your time. Be ready to buy. Some commissions are ... more...

Wealth And Your Net Worth
Most people know it's important to keep and organize all of your vital financial information. But knowing you should and knowing how are two different things!Once you know the reasons for being very organized with your financial data (and keeping it all in a very safe place) I hope you will put ... more...

Financing Purchase of a Business
Should you decide to buy an existing business, several factors enter into consideration of how to finance it. Let us discuss the most important of these factors.The amount of capital required.Nearly all sales of small businesses are, strictly speaking, merely sales of the assets of the business. ... more...

Where Does Your Real Estate Commission Fee Go - Why is The Commission so HIGH?
Many who have bought and sold properties through Realtors numerous times; even many real estate agents themselves, don't know where the commission money goes. After all, when a property sells for hundreds of thousands of dollars and the commission is tens of thousands of dollars, it seems like ... more...

Condo-Hotels A New Second-Home Alternative to Time Shares
Condo-hotels have evolved as a better, more reliable second home alternative to time-shares. They are usually attractive, high-rise hotels on the ocean or in other prime locations, and range in price from the mid $200,000s to over 1 million, depending on the size, location, and amenities.Many of ... more...

How to Choose a Capital Provider and Navigate Commercial Capital Markets
Financing a commercial real estate transaction is no longer a simple matter. Now, there are many considerations that must be evaluated when selecting a capital provider.In order to increase project velocity, improve operating efficiency, conserve internal capital, increase leverage and lower the ... more...

Property Investment How to Calculate Rental Returns
Before purchasing an investment property for rental purposes its always a good idea to calculate whether it will be cash flow positive or cash flow negative. That is, will the property generate an income (positive) or will it require a monthly cash injection (negative)?This article will outline ... more...

Real Estate Investors Kick Away $1,000
Those new to real estate investing often fail to take action because they don't have much cash. The truth is that the very best investors got their start when they had little or no money.When you start at the bottom you have to work harder and smarter. You have to make every penny count... and ... more...

Pre-Foreclosure Investing
The advantage to buying a property at a foreclosure auction is that you can often pay far less than you would have under normal circumstances. Frequently you can invest in improvements and then sell the home for a much higher price than your cost.The disadvantages and risks are more numerous. ... more...

Get Your Writing Reviewed by Major Publications for Free
All Writers need the press, especially new writers. As a new novelist, I know I need name recognition. The best way for me to get the public to learn about my novel, The League, I figured, was to get some reviews in major magazines and newspapers.Now, being unknown, this might seem like a tall ... more...

How to Get Fast Cash without Breaking the Bank
Many of us rack our brains for the perfect job or business opportunity to bring in extra cash. We think that we need to come up with some brilliant plan to earn the money for a nice vacation, down payment on a car or some extra cash for our kids tuition. Sometimes the perfect money maker is right ... more...

Financing Houses
What Real Estate Lenders Look ForLenders control many programs -- some make use of over 200! Generally, lenders look for the following typical standards, with many exceptions:1. Absolutely no late mortgage payments 2. Credit score above 580 3. If bankruptcy, no charge-offs or collection accounts ... more...


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