1. What is Real Estate? Real estate From Wikipedia, the free encyclopedia Jump to: navigation, search Real estate or immovable property is a legal term (in some jurisdictions) that encompasses land along with anything permanently affixed to the land, such as buildings. Real estate (immovable property) is often considered synonymous with real property (also sometimes called realty), in contrast with personal property (also sometimes called chattel or personalty). However, for technical purposes, some people prefer to distinguish real estate, referring to the land and fixtures themselves, from real property, referring to ownership rights over real estate. The terms real estate and real property are used primarily in common law, while civil law jurisdictions refer instead to immovable property. In recent years, many economists have not recognized that the lack of effective real estate laws can be a significant barrier to investment in many developing countries. In most societies, rich or poor, a significant fraction of the total wealth is in the form of land and buildings. In most advanced economies, the main source of capital used by individuals and small companies to purchase and improve land and buildings is mortgages -- bank loans for which the real property itself constitutes collateral. Banks are willing to make such loans at favorable rates in large part because if the borrower does not make payments the lender can foreclose, that is, file a court action that lets them take the property and sell it to get their money back. But in many developing countries there is no effective means by which a lender could foreclose, so the mortgage loan industry as such either does not exist at all or is only available to members of privileged social classes. In spite of the name, real estate has no connection with the concept of reality (in other words, the law does not consider real property more "real" than personal property). It derives instead from the feudal principle that in a monarchy, all land was considered the property of the king. Thus originally the term real estate was equivalent to "royal estate", real originating from the French royale, as it was the French-speaking Normans who introduced feudalism to England and thus to the English language; cognate to Spanish real. With the development of private property ownership, real estate has become a major area of business. Purchasing real estate requires a significant investment, and each parcel of land has unique characteristics, so the real estate industry has evolved into several distinct fields. Cities such as Vancouver, British Columbia have experienced remarkable growth in real estate prices in the new millenium. Specialists are often called on to valuate real estate and facilitate transactions. Some kinds of real estate businesses include: Appraisal - Professional valuation services Brokerages - Assisting buyers and sellers in transactions Development - Improving land for use by adding or replacing buildings Property management - Managing a property for its owner(s) Real Estate Marketing - Managing the sales side of the property business Relocation services - Relocating people or business to different country Within each field, a business may specialize in a particular type of real estate, such as residential, commercial, or industrial property. In addition, almost all construction business effectively has a connection to real estate. "Internet Real Estate" is a term coined by the internet investment community relating to the parallel that exists between high quality internet domain names and real-world, prime real estate. Federal Home Loan Mortgage Corporation From Wikipedia, the free encyclopedia Jump to: navigation, search Freddie Mac Type Public Slogan We Open Doors Founded 1970 Location McLean, VA Key people Richard Syron, CEO & Chairman Industry Mortgage Investment Products Financial Services Revenue $36.8 billion (2003) Operating Income {{{operating_income}}} Net Income {{{net_income}}} Employees 3,216 Parent {{{parent}}} Subsidiaries {{{subsid}}} Website www.freddiemac.com {{{footnotes}}} The Federal Home Loan Mortgage Corporation ("Freddie Mac") NYSE: FRE is a stockholder-owned, publicly-traded company chartered by the United States federal government in 1970 to purchase mortgages and related securities, and then issue securities and bonds in financial markets backed by those mortgages in secondary markets. Freddie Mac, like its competitor Fannie Mae is regulated by the Office of Federal Housing Enterprise Oversight (OFHEO) in the  the following FAQs is provided for general information purposes only and is not intended to be a legal opinion nor legal advice nor is it intended to be a complete discussion of all the issues related to the area of Chapter 7 consumer bankruptcy. Every individual's factual situation is different and you should seek independent legal advice regarding specific information. Commercial Underwriting Guidelines Commercial Financing is underwritten on a case by case basis. Every loan application is unique and evaluated on its own merits, but there are a few common criteria lenders look for in commercial loan packages. Financial Analysis A key component in making an underwriting evaluation is the debt coverage ratio (DCR). The DCR is defined as the monthly debt compared to the net monthly income of the investment property in question. Using a DCR of 1:1.10 a lender is saying that they are looking for a $1.10 in net income for each $1.00 mortgage payment. Typically they will determine the DCR ratio based on monthly figures, the monthly mortgage payment compared to the monthly net income. The higher the DCR ratio is the more conservative the lender. Most lenders will never go below a 1:1 ratio (a dollar of debt payment per dollar of income generated). Anything less then a 1:1 ratio will result in a negative cash flow situation raising the risk of the loan for the lender. DCR's are set by property type and what a lender perceives the risk to be. Today, apartment properties are considered to be the least risky category of investment lending. As such, lenders are more inclined to use smaller DCR's when evaluating a loan request. Make sure that you are familiar with a lender's DCR policy prior to spending money on an application. Ask them to give you a preliminary review of the investment property that you want to purchase. Information is free, mistakes are not. Loan to Value Unlike residential lending, commercial investment properties are viewed more 08:30- Initial Jobless Claims 01/14 -- (-36K)271K 307K 01/19 -08:30- Housing Starts Dec 2.050M (-8.9%)1.933M 2.121M 01/19 -08:30- Building Permits Dec 2.100M (-4.4%)2.068M 2.163M 01/19 -12:00- Philadelphia Fed Index Jan 13.4 3.3 10.9 Fri 01/20 -09:45- Consumer Sentiment (P) Jan 93.0 93.4 91.5 THE FIVE WEEK MOVING CALENDAR Monday Tuesday Wednesday Thursday Friday Jan 23 24 25 26 27 Leading Indicators 20-Year TIPS Auction Existing Home Sales Initial Jobless Claims Gross Domestic Product 2-Year Note Auction Durable Goods Orders New Home Sales 30 31 Feb 1 2 3 Personal Income / Spending Employment Cost Index ISM Index Initial Jobless Claims Employment Chicago PMI Construction Spending Productivity Factory Orders Consumer Confidence Consumer Sentiment (F) FOMC Policy Statement 6 7 8 9 10 3-Year Note Auction 10-Year Note Auction Initial Jobless Claims Balance of Trade Wholesale Inventories Treasury Budget 30-Year Bond Auction 13 14 15 16 17 Business Inventories NY Fed Index Initial Jobless Claims Producer Price Index Retail Sales Industrial Production Housing Starts Consumer Sentiment (P) Import / Export Prices Philadelphia Fed Index 20 21 22 23 24 Markets Closed Leading Indicators ing the savings of a lower monthly payment against the costs of refinancing. But in recent years, companies have introduced "no cost" and low cost refinancing packages that minimize or completely eliminate the out-of-pocket expenses of refinancing. (These refinancing packages compensate with a higher interest rate, or by including some of the costs in the amount that is financed.) With traditional refinancing, the most often cited rule of thumb is that the interest rate for your new mortgage must be about 2 percentage points below the rate of your current mortgage for refinancing to make sense. However, with the newer low and no cost refinancing programs, it can be worth your while to refinance to obtain a smaller reduction in interest rates. How long you expect to stay in your home is also a factor to consider. If you'll be moving in a few years, the month to month savings may never add up to the costs that are involved in a refinancing. Relocation Considerations Consider this common scenario faced by many employees: Your supervisor calls you into her office on a Friday afternoon and asks you to transfer to the New Jersey office. She says the new job includes a $10,000 increase in salary and loads of potential "in the future." She gives you the weekend to think about it. What do you say? No doubt, a million questions start popping into your head. You've heard New Jersey is expensive to live in. Is $10,000 enough? How much are the houses? What will your property taxes be? What about income taxes? What about your wife's job? Will the kids like it there? Will you like the new job? What is the impact on your career if you refuse the job transfer? According to psychologists, relocation is among the most stressful events that can happen to a person or family. Changing jobs, which often occurs when relocating, is also high on the stress index. For many people the decision to relocate involves a complex set of variables of a financial, personal and emotional nature. These factors contribute to the stress in varying degrees, depending upon the individuals involved. The questions above can be broken down into two broad categories: objective and subjective. The emotional and personal aspects of relocation are subjective and thus difficult to model. Fortunately this is not true of the financial ramifications, which are more objective and easier to quantify. This article will discuss many of the financial variables which should be considered by employers and employees before a relocation decision is made. When deciding on compensation packages for transferred employees, employers often do not consider that each employee is an individual, with unique financial considerations. No two families are alike and a relocation analysis must reflect differences in income tax brackets, housing size, property taxes, spousal income, dependents, etc. Using generic cost of living indices does not produce an accurate calculation of the financial impact of relocating. Using only a customized analysis will produce a true "apples to apples" comparison. The battle cry of the relocating employee is "AT LEAST KEEP ME WHOLE." In other words, the employee should not have to relocate, absorb the emotional stress, and lose money as well. The after tax cash flow should be at least zero. An accurate, individualized, analysis has other benefits for the employer. These are: 1. If the employee is presently living in a high cost of living area, and the employee is moving out of this area to a lower cost of living area the analysis will most likely show a positive cash flow, which will encourage the employee to relocate. 2. Employers in low cost areas will find the analysis useful in encouraging employees to transfer into the area from higher cost of living areas, since the analysis will probably show a positive cash flow. Lower salaries can be justified, and demonstrated to the employee, thus saving expenses. 3. Employers in high cost of living areas can use the analysis for employees moving into the area, from lower cost areas, when cost of living concerns are negatively impacting the relocation decision, and there is a resistance to relocation. An analysis may convince the reluctant employee that the after tax cash flow isn't as bad as they thought. Often, reluctant employees must relocate to high cost areas for career advancement purposes, but want just compensation, calculated in gross salary dollars. A confidential analysis will show an employer how much the employee should be equitably paid, to compensate for cost of living differences. 4. Employers can use the analysis to make sure employees are comparing apples to apples in their relocation decision. Many employees attempt to upgrade their standard of living, usually through unfair housing and community comparisons, at the employer's expense. Most employees and employers perform a very superficial analysis of the financial impact of relocating. This is understandable since it is very complicated from a tax and financial planning point of view. The typical analysis involves a comparison of housing in the new area with the increased salary offer, if any. Or the salary is set based upon a comparison to other employees in similar positions. The effect upon a family's cash flow in the first year after the move is much more complex than this simple analysis. As a result costly errors can be made which affect not only the family's financial health but also their happiness as well. An employee who feels unfairly treated is not as productive and may seek other employment. If the employee is worth relocating he/she is worth fair compensation. After all, if suitable talent were available locally the relocation would be unnecessary. Relocation mistakes result in further relocation and additional stress for both the family and for employers. Performing a proper analysis before a relocation offer is accepted reduces stress by decreasing uncertainty. This allows the employee to evaluate the relocation offer more accurately and provides benefits to the employer by increasing employee happiness and retention. Before describing the financial changes caused by relocation in more depth it should be noted that the analysis should be performed, not just for the relocating employee, but for the entire family. Often relocation can cause major financial changes for spouses, companions, children, dependent parents, and others. Also, all changes should include the federal, state and local tax impact, where appropriate, at the individual's projected marginal rates of tax. The analysis should compare the old salary with the change in family salary, wages, and business income. It should not include changes that would have occurred anyway had the family not relocated, since this would obscure the real cost, and would be unfair to the employer. The change should be net of federal, state, and local (city) income taxes, as well as social security taxes. A common problem experienced by many families, sometimes called the "trailing spouse" problem, occurs when the spouse of a relocated employee experiences great difficulty finding employment in the new area. The analysis should be able to analyze the projected decrease in the spouse's income for the first year after the move. Another area often neglected by relocating individuals is the change in wealth caused by changes in automobile expenses. This can be caused by changes in commuting distances, automobile insurance rates, personal mileage (for example to return home to see friends and relatives, or to access qualified medical care), tolls and parking, use of a to substitute his or her entitlement for that of your original entitlement. Otherwise, you cannot have entitlement restored until the assumer has paid off the VA loan. My prior VA loan was assumed, the assumer defaulted on the loan, and VA paid a claim to the mortgage company. VA said it wasn't my fault and waived the debt. Now I need a new VA loan but am told that I am not eligible. Why not? or My prior loan was foreclosed on, or I gave a Deed in Lieu of Foreclosure, or VA paid a compromise claim. I was released from liability on the loan and/or the debt was waived. Can I get another VA loan? Although the your debt was waived by VA, the Government has still suffered a loss on the loan. The law does not permit your entitlement to be restored until the loss has been repaid in full. If you are having problems on your real estate investment, Invesloan is here to assist you with your financing source! We will make sure that you will be successful in any of your real estate goals! Here at Invesloan, we truly understand that being a real estate investor, you will surely have specific financing needs for the best resources. As your most trusted real estate investor, Invesloan is committed in providing you the best total solution for reaching your investment goals. Invesloan is your one stop real estate investor especially if you have specific needs. At the same time, we are also a team of experienced real estate financing professionals who strive to give our clients the best total solution for your individual real estate investment financial needs. Invesloan is actually licensed in California, Colorado, Hawaii, Kansas, Missouri, Texas and Washington that why most of our clients are sure about their loans acquired from us. If youe not yet satisfied with our license from the stated cities, we are also perusing the licensing of other states and will eventually update our offerings accordingly. With more than 400 institutional investors, Invesloan is also capable of being a correspondent lender and broker. In this manner, it will also allow our team to design and offer programs that will definitely satisfy your specific investment goals. If you are also worried of being pre qualified by your investor, we can actually provide you with our multi-step service. This process will actually ask you series of questions and then provide you with mortgage payment and ratio calculations that will help determine your home purchase or refinance prequal status. You may use our custom prequal analysis especially if you want to request for a prequal. As soon as you ask for this kind of request, you only have to send it to our staff of mortgage professionals. We can actually provide you with residential or even commercial investment loans. In a residential investment loan, you may choose between a short term and a long term investment financing solutions. The short term investment actually takes six months or less. This option will give you up to 100% loan to value leverage financing, prime or sub-prime credit status, no pre-payment penalty, low fixed or adjustable interest rates and financial negotiation assistance. On the other hand, you may also choose our more than 6 months of investment. This will give you the opportunity to get up to 100% loan to value leverage financing, specialty programs for maximum cash flows, low fixed or adjustable interest rates, prime or sub-prime credit status and financial negotiation assistance. When it comes to commercial investment loans, we actually finance various establishments. This includes multi-family or apartment complexes, mixed use, office, retail, warehouse, self-storage, mobile home Park, funeral homes, rooming house, day care, hotel or motel, campground, bar or restaurant, and many more. The best things that our commercial investment loan offers are the stated income or stated asset of a particular price up to 90% combined loan to value financing. This also includes full documentation of up to 95% combined loan to value financing. With this kind of investment loan, you may also have the lowest commercial interest rates on the market plus financial negotiation assistance. For your total guarantee, you may already request an application where you can acquire a full secure 1003 application and other forms through the use of our online application library or even by phone. For other information and inquiries, you may also check out other topics like your initial meeting with a mortgage professional, after the mortgage application, speed up the mortgage process and escrow account basics.

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HUDC apartment flat posted by realtors or agents here in this MLS (Multiple Listing Service) are all willing co-brokers. Hence our network with them are a lot easier to address your need to buy a HUDC unit. You can find Maisionette, high rise or low rise HUDC apartment flat for sale here.

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You may explore those Ads by Google, or use our top right's Google Search to find relevant landed housing for sale or rental. These also expand your global reach to international and regional property market as well as Singapore property agencies, developers and realtors, including those non co-brokers, where you can deal with them direct. Call us if you need help.

When you email us, please include your captured choice properties (highlight the listing, right click copy & paste), indicate your brief profile, choice criteria, your CONTACT & BUDGET. We response promptly if you need URGENTLY with REALISTIC budget. If you've seen unit in captured listing, let us know so that duplicate viewings can be avoided. Thanks in advance !


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