Our Friends website's Link this website offers
http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

http://www.davismortgages.com/

 

 ------------------------------------
Search by Product Search by State Overnight Averages 
Select a productAuto loansCDs / SavingsChecking & ATMCredit cardsCredit unionsHome 
equityIRA CenterMoney marketsMortgagesOnline financePersonal loansSmall biz 

Select a 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 
Today's Averages | Best Rates 
Rate Alerts 
30 Yr Fixed Mtg 6.53% 
Home Eq $30K 7.34% 
48 Mo New Car 7.30% 
1 Yr CD 2.73% 

Taxes 
File something ... anything ... NOW! -- Tax time is up. You must get something into the 
IRS or face the consequences. 
This year's biggest tax mistake -- More than 4 million people have made mistakes on the 
rate reduction credit, but you don't need to add to that total.


Today's Tax Tip: Can't pay Uncle Sam? Try these methods.

Q&A: Deducting state taxes
..........................................
Scam alert
Identity thieves lurk behind bogus IRS forms -- Your banker didn't send that 
official-looking tax form requesting your personal information -- an identity thief did.
..........................................
Autos
Rebates added to zero-percent financing -- Auto dealers are pushing the tried and true to 
keep those customers coming. 

5 keys to a good deal on a new car -- Before dashing out for a test-drive, know these 
cost-saving options.
..........................................
Your Money Outlook
Fed referees the economic tug of war -- The forces favoring a downturn have been winning 
lately, decreasing the odds of a Fed rate increase at its May 7 meeting.

Interest-rate roundup -- Mortgage rates dip to lowest point since early March.
..........................................
Mortgages
Weekly survey: Mortgage rates flirt with 7 percent -- Thank Middle East tensions for the 
dip this week, but don't expect it to last.
AND: Average rates and points in top 10 markets 

Save with these refi strategies -- Little-known refinancing tips to save you money -- or 
prevent you from blowing some.
..........................................
Small Biz
Wanted: Ads that attract the best employees -- Job advertisements are a cost-effective way 
to fill positions. But both the medium and the message count.
PLUS: Tips for online job ads
AND: Getting the best college grads 






How do I ...? 
• Refinance my mortgage 
• Buy a home? 
• Use my home equity? More 
.............................. 
What Bankrate users are reading: 
• 16 smart ways to spend your tax refund 
• How to save on auto insurance 
• Rate Trend Index More 
.............................. 
Calculate 
• How much house can you afford? 
• What is the cost of raising a child? 
• How is your credit? More 




Checking & ATM
Bad check fees: He messes up, you pay -- It's sort of the ultimate insult added to injury. 
Somebody gives you a bad check, and you get nailed for a fee. 
ATM fees surging -- Americans pay $2.2 billion a year in ATM fees, but you can avoid 
them.
DEALS: Know your checking style and save
FACTS: Study highlights 

.............................. 
Bargains
Ask and you shall receive ... a discount -- Learn how to save money on nearly everything 
you buy. 
Ask and you shall receive ... a credit card rate reduction -- Want to lower the interest 
rate? Just ask. It's that easy.
PLUS: How to ask your creditor for a rate reduction

.............................. 
Advice
10 ways to bounce back from bankruptcy -- Is your credit shattered? You can put it back 
together again.

.............................. 
Monthly Checkup
Retirement checkup: How to cash out -- Tap into your retirement account without paying 
fees. 

.............................. 
Insurance
Celebrity policy: Insure the good parts -- J.Lo didn't, but Jamie Lee Curtis, Dolly Parton 
and a host of other celebrities did -- insure their famous bodies' most-famous parts, that 
is. 

*************************************************
Last Updated:
4/15/2002 @ 12:58 p.m. 



MBA Consumer Brochures 


Subprime Banks Biggest Risk, FDIC Says 

Mortgage Originators To Meet In CA 

Moody's U.S. RMBS Market Seen As Stable Through 2002 

Fannie Mae Rescinds MBS "Cleanup Call" 

Wholesale Prices Rise 1 Percent 

Long-Term Mortgage Rates Drop To Lowest Level In 4 Weeks 

$350 Million In Title Claims Paid In 2000 Says ALTA 

Demand far outstrips supply in California 

Freddie Mac Sees Strengthening Economy 

MLS organizations having trouble appeasing broker 

Consumers Union denounces State Farm 

Don’t distract the banks 

Homestore survives Nasdaq delisting hearing 

Fannie Mae to replace Desktop Trader 



For CREF News
Click Here

For Market News and Data Click Here 



LenderCareers 
Lender Technologies 
MISMO 
MERS 
E-REFT 
Future Leaders 
Mortgage Banking Internet Guide 
Technology 
Research Institute for Housing America 
Path To Diversity 
Web Links 
Advertise With MBA 
Job Opportunities 
Weekly Mortgage Application Survey 
Societas 





MBA files comments with Federal Reserve Board regarding changes to HMDA regulations 

MBA Calls Roukema "Housing Affordability For America Act" Important Step To Increase 
Affordable Housing- Cites Critical Need for New Rental Housing Production Program 








MBA files comments with Federal Reserve Board regarding changes to HMDA regulations 
(4/12) 

Fannie Mae Introduces eCommitting (4/10) 

Agencies Issue Final Rule Lowering Risk Weighting For Claims On Securities Firms (4/9) 

Mortgage Fraud Alert -- (4/8) 
More 


Brownfields Bill Moves Through House Financial Services Committee (4/11) 


MBA Calls Roukema "Housing Affordability For America Act" Important Step To Increase 
Affordable Housing (4/10) 
More 

MBA Launches Stop Mortgage Fraud Consumer Education Campaign To Prevent Predatory Lending 


Subprime Banks Biggest Risk, FDIC Says (4/15) 

MBA Economic Commentary - The Shape of the Recovery (4/9) 

Mortgage Finance Forecast (4/9) 

Economic Forecast (4/9) 
More . 


MBA Testifies About Need for New Rental Housing Production Program (4/10) 

HUD Announces Debenture Recall [pdf] (3/26) 

Housing Subcommittee Approves Brownfields Bill (3/18) 

More . 


MBA Hotwire: Terror Insurance Bill; Scholarships Awarded, MBA Stance on YSPs (4/11) 

Predatory Lending Updates - Georgia, New York and Tennessee (4/11) 

State/City Hall Roundup: Georgia, New York and Tennessee (4/10) 
More 


Thomas Edison State College Develops Partnership With CampusMBA (4/1) 

CampusMBA Introduces New Designation, The Accredited Residential Originator (ARO) 

CampusMBA Rolls Out Audio Pass Training Initiative 
More 


Member companies can participate in MORPAC by submitting an online form. 


Important Message to Newly Activated Personnel 
More 




MBA Calls Roukema "Housing Affordability For America Act" Important Step To Increase 
Affordable Housing- Cites Critical Need for New Rental Housing Production Program (4/10) 

Mortgage Loan Applications Down In Latest MBA Survey. For Previous Releases Check Here. 
Subscribers can Click Here to access this week's mortgage application survey data. (4/10) 

Path To Diversity Program Awards Twenty-Nine Minority Scholarships To 
****************************************
Independent Information
on Reverse Mortgages
for consumers, their families,
professional advisors, and
nonprofit counselors
This site is "scrupulously
independent ... almost militantly
uncommercial ... the first step
for smart consumers."
- The Washington Post

for
Consumer
Information
(including Calculator)
CLICK
HERE
Counselors/Lenders
Options/Alternatives
Training/Software

Interest Rates
HECM Documents Bibliography 
TALC Disclosures
Basic Q & A HECM Analysis 
Loan Comparisons More Q & A Archive 
Life Expectancy Updates History 

This site complements consumer information provided on the web 
by AARP. If this is your first time here at reverse.org (or if you 
haven't been here since this site was completely revised), we 
strongly encourage you to visit AARP's Webplace first. 

Beginning at www.aarp.org/revmort/ you will find 30 pages of 
independent consumer information provided in a recommended 
order. By clicking "Next Page" at the bottom of each page you 
can work your way through a basic primer on reverse mortgages. 

After completing this comprehensive tutorial, you may return back 
here to reverse.org if you want additional details, background 
information, or supplementary materials. This site is provided by 
the National Center for Home Equity Conversion Mortgage (NCHEC), 
a nonprofit organization with no ties to the reverse mortgage lending 
industry. 

Because it complements AARP's basic consumer information, this 
NCHEC site may be particularly useful to nonprofit counselors, 
professional advisors, and any consumers or their family members 
looking for more information beyond the basics. For example, the 
"HECM Documents" link above shows you how to get the federal law, 
program handbook, lender directives (called "mortgagee letters"), and 
county-by-county equity limits for the federally-insured Home Equity 
Conversion Mortgage (HECM) program. 

So if you are here at reverse.org for the first time, please bid us adieu 
for now and go to www.aarp.org/revmort/.

RESTRICTION: This site is copyrighted by the National Center for Home
Equity Conversion (NCHEC), an independent, not-for-profit organization
dedicated to reverse mortgage analysis and consumer information on 
reverse mortgages. NCHEC hereby restricts the use of this site to
noncommercial purposes. You may use this site freely, but may not sell 
any of its contents or the information it generates in whole or in part to 
any party. All commercial uses are restricted and unauthorized and 
may constitute a violation of U. S. Copyright Law. This site is not for
commercial use. Commercial users are not to access this site. 

DISCLAIMER: NCHEC does not endorse any reverse mortgage product 
or lender. This site does not provide legal, accounting, or other professional
services. If legal or other expert assistance is required, the services of a
competent professional should be sought. Although NCHEC has made 
every effort to ensure the accuracy and completeness of the information
contained in this site, it assumes no responsibility for errors, omissions,
inaccuracies, or inconsistencies. 


************************************* 


Latest News

Desktop Underwriter Takes the Mystery Out of Your Mortgage Loan
Desktop Underwriter considers other factors not related to your credit report when 
evaluating your loan application.

The Benefits You Get From Working With A Fannie Mae-Approved Lender
Lenders help you identify and choose the lowest-cost and most-suitable mortgage for which 
you qualify.

Fannie Mae Works With Lenders On Innovative Mortgage Products
Borrowers will pay less and save more when choosing a Fannie Mae mortgage from a Fannie 
Mae-approved lender.

Is Now a Good Time to Refinance Your Mortgage?
When does it make sense? How do you determine the best type of mortgage, rates, and terms?

*************************

AS A MANUFACTURED HOME BUYER YOU HAVE A UNIQUE NEED. You have probably found that 
traditional mortgage lenders don't cater to manufactured home lending, and this is 
understandable. Every state has different laws and DMV / titling requirements. In 1997 we 
established Refi.net to answer these needs. 

Every member of our management team has experience in the financing needs of manufactured 
home owners. Our goal has always been to give manufactured home buyers the same level of 
service, expertise, and quick turnaround they deserve. From the beginning we have provided 
a fast application process both over the phone and on the internet that better serves our 
customers. Our staff is friendly and respectful, providing approval decisions quickly and 
providing guidance from approval to funding.


We are nationwide, and better yet, our staff is trained in the unique needs of 
manufactured home owners in each state. Our corporate headquarters is located just minutes 
from beautiful downtown Portland, Oregon. However, our expertise reaches far beyond this 
region, from the escrow requirements in California to DMV titling in Michigan.

Our future plans continue to build on our goals of respect and service for manufactured 
home buyers. We can only improve our online tools and friendly service by knowing how we 
are doing. We want to hear from you when we are doing well, and even if we have slipped up 
somewhere. Tell us if there is a need or service we can provide that will make your home 
financing experience better. We want to know!

***************************************
Welcome to Shop for the Best Rate! Borrowers - Here you can shop multiple lenders to get 
the lowest mortgage rate absolutely FREE. Our service works as follows: 1) You go to Shop 
for the Best Rate page and fill out a brief application. 2) Once your application is 
submitted, it is viewed by a select group of our participating lenders who will then offer 
you their best mortgage rate. 3) You then compare the lenders who have responded to your 
application without all the hassle of making hundreds of phone calls. 4) You select the 
lender of your choice to get the best financing package for you. 

If you have a unique mortgage situation, this is a great way to find a lender. There is no 
obligation and this service is 100% FREE. If you are in the market to get pre-approved for 
a mortgage then please visit our Get Pre-Approved page. Here you can fill out a brief 
application which will be viewed by our participating lenders. Based on your income, it 
will also give you an estimate of the loan amount you can qualify for. Getting 
pre-approved before purchasing a home can give you more leverage at the negotiating table. 
We appreciate your visit and welcome any comments you may have. 

With this service you will get the Best Rate on your Mortgage! 

Thank you, 

The Staff at Shop for the Best Rate Email us your comments 
*******************************************
Mortgage Dictionary 


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 

Abstract Of Title

A summary of the public records relating to the title to a particular piece of land. An 
attorney or title insurance company reviews an abstract of title to determine whether 
there are any title defects which must be cleared before a buyer can purchase clear, 
marketable, and insurable title.



Acceleration Clause

Condition in a mortgage that may require the balance of the loan to become due 
immediately, if regular mortgage payments are not made or for breach of other conditions 
of the mortgage.



Agreement of Sale

Known by various names, such as contract of purchase, purchase agreement, or sales 
agreement according to location or jurisdiction. A contract in which a seller agrees to 
sell and a buyer agrees to buy, under certain specific terms and conditions spelled out in 
writing and signed by both parties. 



Amortization

A payment plan which enables the borrower to reduce his debt gradually through monthly 
payments of principal. 



Appraisal

An expert judgment or estimate of the quality or value of real estate as of a given date. 



Assumption of Mortgage

An obligation undertaken by the purchaser of property to be personally liable for payment 
of an existing mortgage. In an assumption, the purchaser is substituted for the original 
mortgagor in the mortgage instrument and the original mortgagor is to be released from 
further liability in the assumption, the mortgagee's consent is usually required. 

The original mortgagor should always obtain a written release from further liability if he 
desires to be fully released under the assumption. Failure to obtain such a release 
renders the original mortgagor liable if the person assuming the mortgage fails to make 
the monthly payments. 

An "Assumption of Mortgage" is often confused with "purchasing subject to a mortgage." 
When one purchases subject to a mortgage, the purchaser agrees to make the monthly 
mortgage payments on an existing mortgage, but the original mortgagor remains personally 
liable if the purchaser fails to make the monthly payments. Since the original mortgagor 
remains liable in the event of default, the mortgagee's consent is not required to a sale 
subject to a mortgage. 

Both "Assumption of Mortgage" and "Purchasing Subject to a Mortgage" are used to finance 
the sale of property. They may also be used when a mortgagor is in financial difficulty 
and desires to sell the property to avoid foreclosure. 

Binder or "Offer to Purchase

A preliminary agreement, secured by the payment of earnest money, between a buyer and 
seller as an offer to purchase real estate. A binder secures the right to purchase real 
estate upon agreed terms for a limited period of time. If the buyer changes his mind or is 
unable to purchase, the earnest money is forfeited unless the binder expressly provides 
that it is to be refunded. Broker

Building Line of Setback

Distances from the ends and/or sides of the lot beyond which construction may not extend. 
The building line may be established by a filed plat of subdivision, by restrictive 
covenants in deeds or leases, by building codes, or by zoning ordinances. 



Certificate of Title

A certificate issued by a title company or a written opinion rendered by an attorney that 
the seller has good marketable and insurable title to the property which he is offering 
for sale. A certificate of title offers no protection against any hidden defects in the 
title which an examination of the records could not reveal. The issuer of a certificate of 
title is liable only for damages due to negligence. The protection offered a homeowner 
under a certificate of title is not as great as that offered in a title insurance policy. 



Closing Costs

The numerous expenses which buyers and sellers normally incur to complete a transaction in 
the transfer of ownership of real estate. These costs are in addition to price of the 
property and are items prepaid at the closing day. This is a typical list:



BUYER'S EXPENSES 

Documentary Stamps on Notes 
Recording Deed and Mortgage 
Escrow Fees 
Attorney's Fee 
Title Insurance 
Appraisal and Inspection 
Survey Charge 

SELLER'S EXPENSES 

Cost of Abstract 
Documentary Stamps on Deed 
Real Estate Commission 
Recording Mortgage 
Survey Charge 
Escrow Fees 
Attorney's Fee 



The agreement of sale negotiated previously between the buyer and the seller may state in 
writing who will pay each of the above costs. 



Closing Day

The day on which the formalities of a real estate sale are concluded. The certificate of 
title, abstract, and deed are generally prepared for the closing by an attorney and this 
cost charged to the buyer. The buyer signs the mortgage, and closing costs are paid. The 
final closing merely confirms the original agreement reached in the agreement of sale. 



Cloud On Title

An outstanding claim or encumbrance which adversely affects the marketability of title. 



Commission

Money paid to a real estate agent or broker by the seller as compensation for finding a 
buyer and completing the sale. Usually it is a percentage of the sale price--6 to 7 
percent on houses, 10 percent on land. 



Condemnation

The taking of private property for public use by a government unit, against the will of 
the owner, but with payment of just compensation under the government's power of eminent 
domain. Condemnation may also be a determination by a governmental agency that a 
particular building is unsafe or unfit for use. 



Condominium

Individual ownership of a dwelling unit and an individual interest in the common areas and 
facilities which serve the multi-unit project. 



Contractor

In the construction industry, a contractor is one who contracts to erect buildings or 
portions of them. There are also contractors for each phase of construction: heating, 
electrical, plumbing, air conditioning, road building, bridge and dam erection, and 
others. 



Conventional Mortgage

A mortgage loan not insured by HUD or guaranteed by the Veterans' Administration. It is 
subject to conditions established by the lending institution and State statutes. The 
mortgage rates may vary with different institutions and between States. (States have 
various interest limits.) 



Cooperative Housing

An apartment building or a group of dwellings owned by a corporation, the stockholders of 
which are the residents of the dwellings. It is operated for their benefit by their 
elected board of directors. In a cooperative, the corporation or association owns title to 
the real estate. A resident purchases stock in the corporation which entitles him to 
occupy a unit in the building or property owned by the cooperative. While the resident 
does not own his unit, he has an absolute right to occupy his unit for as long as he owns 
the stock. 



Deed

A formal written instrument by which title to real property is transferred from one owner 
to another. The deed should contain an accurate description of the property being 
conveyed, should be signed and witnessed according to the laws of the State where the 
property is located, and should be delivered to the purchaser at closing day. There are 
two parties to a deed: the grantor and the grantee. (See also deed of trust, general 
warranty deed, quitclaim deed, and special warranty deed.) 



Deed of Trust

Like a mortgage, a security instrument whereby real property is given as security for a 
debt. However, in a deed of trust there are three parties to the instrument: the borrower, 
the trustee, and the lender, (or beneficiary). In such a transaction, the borrower 
transfers the legal title for the property to the trustee who holds the property in trust 
as security for the payment of the debt to the lender or beneficiary. If the borrower pays 
the debt as agreed, the deed of trust becomes void. If, however, he defaults in the 
payment of the debt, the trustee may sell the property at a public sale, under the terms 
of the deed of trust. In most jurisdictions where the deed of trust is in force, the 
borrower is subject to having his property sold without benefit of legal proceedings. A 
few States have begun in recent years to treat the deed of trust like a mortgage. 



Default

Failure to make mortgage payments as agreed to in a commitment based on the terms and at 
the designated time set forth in the mortgage or deed of trust. It is the mortgagor's 
responsibility to remember the due date and send the payment prior to the due date, not 
after. Generally, thirty days after the due date if payment is not received, the mortgage 
is in default. In the event of default, the mortgage may give the lender the right to 
accelerate payments, take possession and receive rents, and start foreclosure. Defaults 
may also come about by the failure to observe other conditions in the mortgage or deed of 
trust. 



Depreciation

Decline in value of a house due to wear and tear, adverse changes in the neighborhood, or 
any other reason. 



Documentary Stamps

A State tax, in the forms of stamps, required on deeds and mortgages when real estate 
title passes from one owner to another. The amount of stamps required varies with each 
State. 



Down Payment

The amount of money to be paid by the purchaser to the seller upon the signing of the 
agreement of sale. The agreement of sale will refer to the downpayment amount and will 
acknowledge receipt of the downpayment. Downpayment is the difference between the sales 
price and maximum mortgage amount. The downpayment may not be refundable if the purchaser 
fails to buy the property without good cause. If the purchaser wants the downpayment to be 
refundable, he should insert a clause in the agreement of sale specifying the conditions 
under which the deposit will be refunded, if the agreement does not already contain such 
clause. If the seller cannot deliver good title, the agreement of sale usually requires 
the seller to return the downpayment and to pay interest and expenses incurred by the 
purchaser. 



Earnest Money

The deposit money given to the seller or his agent by the potential buyer upon the signing 
of the agreement of sale to show that he is serious about buying the house. If the sale 
goes through, the earnest money is applied against the downpayment. If the sale does not 
go through, the earnest money will be forfeited or lost unless the binder or offer to 
purchase expressly provides that it is refundable. 



Easement Rights

A right-of-way granted to a person or company authorizing access to or over the owner's 
land. An electric company obtaining a right-of-way across private property is a common 
example. 



Encroachment

An obstruction, building, or part of a building that intrudes beyond a legal boundary onto 
neighboring private or public land, or a building extending beyond the building line. 



Encumbrance

A legal right or interest in land that affects a good or clear title, and diminishes the 
land's value. It can take numerous forms, such as zoning ordinances, easement rights, 
claims, mortgages, liens, charges, a pending legal action, unpaid taxes, or restrictive 
convenants. An encumbrance does not legally prevent transfer of the property to another. A 
title search is all that is usually done to reveal the existence of such encumbrances, and 
it is up to the buyer to determine whether he wants to purchase with the encumbrance, or 
what can be done to remove it. 



Equity

The value of a homeowner's unencumbered interest in real estate. Equity is computed by 
subtracting from the property's fair market value the total of the unpaid mortgage balance 
and any outstanding liens or other debts against the property. A homeowner's equity 
increases as he pays off his mortgage or as the property appreciates in value. When the 
mortgage and all other debts against the property are paid in full the homeowner has 100% 
equity in his property. 



Escrow

Funds paid by one party to another (the escrow agent) to hold until the occurrence of a 
specified event, after which the funds are released to a designated individual. In FHA 
mortgage transactions an escrow account usually refers to the funds a mortgagor pays the 
lender at the time of the periodic mortgage payments. The money is held in a trust fund, 
provided by the lender for the buyer. Such funds should be adequate to cover yearly 
anticipated expenditures for mortgage insurance premiums, taxes, hazard insurance 
premiums, and special assessments. 



Foreclosure

A legal term applied to any of the various methods of enforcing payment of the debt 
secured by a mortgage, or deed of trust, by taking and selling the mortgaged property, and 
depriving the mortgagor of possession. 



General Warranty Deed

A deed which conveys not only all the grantor's interests in and title to the property to 
the grantee, but also warrants that if the title is defective or has a "cloud" on it (such 
as mortgage claims, tax liens, title claims, judgments, or mechanic's liens against it) 
the grantee may hold the grantor liable. 



Grantee

That party in the deed who is the buyer or recipient. 



Grantor

That party in the deed who is the seller or giver.

Hazard Insurance

Protects against damages caused to property by fire, windstorms, and other common hazards. 



Interest

A charge paid for borrowing money.



Lien

A claim by one person on the property of another as security for money owed. Such claims 
may include obligations not met or satisfied, judgments, unpaid taxes, materials, or 
labor. (See also special lien.) 



Marketable Title

A title that is free and clear of objectionable liens, clouds, or other title defects. A 
title which enables an owner to sell his property freely to others and which others will 
accept without objection. 



Mortgage

A lien or claim against real property given by the buyer to the lender as security for 
money borrowed. Under government-insured or loan-guarantee provisions, the payments may 
include escrow amounts covering taxes, hazard insurance, water charges, and special 
assessments. Mortgages generally run from 10 to 30 years, during which the loan is to be 
paid off. 



Mortgage Commitment

written notice from the bank or other lending institution saying it will advance mortgage 
funds in a specified amount to enable a buyer to purchase a house. 



Mortgage Insurance Premium

The payment made by a borrower to the lender for transmittal to HUD to help defray the 
cost of the FHA mortgage insurance program and to provide a reserve fund to protect 
lenders against loss in insured mortgage transactions. In FHA insured mortgages this 
represents an annual rate of one-half of one percent paid by the mortgagor on a monthly 
basis. 



Mortgage Note

A written agreement to repay a loan. The agreement is secured by a mortgage, serves as 
proof of an indebtedness, and states the manner in which it shall be paid. The note states 
the actual amount of the debt that the mortgage secures and renders the mortgagor 
personally responsible for repayment. 



Mortgage (Open-End)

A mortgage with a provision that permits borrowing additional money in the future without 
refinancing the loan or paying additional financing charges. Open-end provisions often 
limit such borrowing to no more than would raise the balance to the original loan figure. 



Mortgagee

The lender in a mortgage agreement. 



Mortgagor

The borrower in a mortgage agreement. 



Plat

A map or chart of a lot, subdivision or community drawn by a surveyor showing boundary 
lines, buildings, improvements on the land, and easements. 



Points

A point is one percent of the amount of the mortgage loan. 



Prepayment

Payment of mortgage loan, or part of it, before due date. Mortgage agreements often 
restrict the right of prepayment either by limiting the amount that can be prepaid in any 
one year or charging a penalty for prepayment. The Federal Housing Administration does not 
permit such restrictions in FHA insured mortgages. 



Principal

The basic element of the loan as distinguished from interest and mortgage insurance 
premium. In other words, principal is the amount upon which interest is paid. 



Quitclaim Deed

A deed which transfers whatever interest the maker of the deed may have in the particular 
parcel of land. A quitclaim deed is often given to clear the title when the grantor's 
interest in a property is questionable. By accepting such a deed the buyer assumes all the 
risks. Such a deed makes no warranties as to the title, but simply transfers to the buyer 
whatever interest the grantor has.



Real Estate Broker

A middle man or agent who buys and sells real estate for a company, firm, or individual on 
a commission basis. The broker does not have title to the property, but generally 
represents the owner. 



Refinancing

The process of the same mortgagor paying off one loan with the proceeds from another loan. 



Restrictive Convents

Private restrictions limiting the use of real property. Restrictive covenants are created 
by deed and may "run with the land," binding all subsequent purchasers of the land, or may 
be "personal" and binding only between the original seller and buyer. The determination 
whether a covenant runs with the land or is personal is governed by the language of the 
covenant, the intent of the parties, and the law in the State where the land is situated. 
Restrictive covenants that run with the land are encumbrances and may affect the value and 
marketability of title. Restrictive covenants may limit the density of buildings per acre, 
regulate size, style or price range of buildings to be erected, or prevent particular 
businesses from operating or minority groups from owning or occupying homes in a given 
area. (This latter discriminatory covenant is unconstitutional and has been declared 
unenforceable by the U.S. Supreme Court.) 



Special Assessments

A special tax imposed on property, individual lots or all property in the immediate area, 
for road construction, sidewalks, sewers, street lights, etc. 



Special Lien

A lien that binds a specified piece of property, unlike a general lien, which is levied 
against all one's assets. It creates a right to retain something of value belonging to 
another person as compensation for labor, material, or money expended in that person's 
behalf. In some localities it is called "particular" lien or "specific" lien. (See lien.) 



Special Warranty Deed

A deed in which the grantor conveys title to the grantee and agrees to protect the grantee 
against title defects or claims asserted by the grantor and those persons whose right to 
assert a claim against the title arose during the period the grantor held title to the 
property. In a special warranty deed the grantor guarantees to the grantee that he has 
done nothing during the time he held title to the property which has, or which might in 
the future, impair the grantee's title. 



Survey

A map or plat made by a licensed surveyor showing the results of measuring the land with 
its elevations, improvements, boundaries, and its relationship to surrounding tracts of 
land. A survey is often required by the lender to assure him that a building is actually 
sited on the land according to its legal description. 



Tax

As applied to real estate, an enforced charge imposed on persons, property or income, to 
be used to support the State. The governing body in turn utilizes the funds in the best 
interest of the general public. 



Title

As generally used, the rights of ownership and possession of particular property. In real 
estate usage, title may refer to the instruments or documents by which a right of 
ownership is established (title documents), or it may refer to the ownership interest one 
has in the real estate. 



Title Insurance

Protects lenders or homeowners against loss of their interest in property due to legal 
defects in title. Title insurance may be issued to a "mortgagee's title policy." Insurance 
benefits will be paid only to the "named insured" in the title policy, so it is important 
that an owner purchase an "owner's title policy", if he desires the protection of title 
insurance. 



Title Search

A check of the title records, generally at the local courthouse, to make sure the buyer is 
purchasing a house from the legal owner and there are no liens, overdue special 
assessments, or other claims or outstanding restrictive convenants filed in the record, 
which would adversely affect the marketability or value of title. 



Trustee

A party who is given legal responsibility to hold property in the best interest of or "for 
the benefit of" another. The trustee is one placed in a position of responsibility for 
another, a responsibility enforceable in a court of law. (See deed of trust.) 



Zoning Ordinances

The acts of an authorized local government establishing building codes, and setting forth 
regulations for property land usage. 


****************************************************
3-Year Graph of Fixed-Rate Mortgages 
(National Average)
Here's a three-year look at how fixed rate mortgages (FRMs) have behaved in the market. 
The averages come from the editorial, objective survey which we've been doing nationwide 
every week for 20 years. (The graph uses weekly mortgage rates; you can view the monthly 
averages of those figures here.)

Click here to learn why lenders, secondary markets, and Fortune 100 firms rely upon our 
data -- and how your company can use it, too.

Shopping for a home mortgage? Click here to see how to shop for the 'best' mortgage for 
your needs, using the same top-notch data as our clients use.



You may use this graph (and/or our ARM version) on your home page, providing that the 
graph and its contents are not altered in any way and that you link to our site.

We offer a variety of free content you can use on your own Web page. Click here to learn 
more.

HSH directly surveys thousands of lenders across the country every week. If your business 
depends on having the best information available, see how you can take advantage of our 
surveys for your area, as well as our statistics -- both of which can be customized for 
your precise needs
**********************************************************
Business Philosophy
Providing Great Service at a Fair Price!


Throughout a lifetime of service to the real estate industry through our title, mortgage, 
and insurance companies, our owners built companies on a simple philosophy. Providing 
great service at a fair price. We employ professionals who throughly understand the real 
estate transaction from all sides. We recognize (buyers and sellers of real estate) are 
searching for professionals to provide answers, explicit direction with complete faith we 
are committed to their goals. This philosophy lead to the creation of, The Real Estate 
Superstore. It provides the following services at one location. Be sure to check out the 
Usefull Links Menu at the bottom of this page.

1st Realty Plus - Real Estate Listing and Sales (Residential & Commercial)
2618 Chestnut Ridge Road.
Kingwood, TX. 77339

The Mortgage Broker Company LLC - Mortgage Loan Origination
Raymond E. Foster Texas Mortgage Broker License #2 
2618 Chestnut Ridge Road
Kingwood, TX. 77339


Robert L. Westover Insurance - Homeowners Insurance
2620 Chestnut Ridge Road
Kingwood, TX. 77339


With the wide spread acceptance of the Internet,we have found ways to reduce the cost of 
providing these services to our clients.

Mortgage Loan Applications online reduces the time it takes to provide clients with loan 
approval and underwriting conditions. From Loan Application to loan commitment in less 
than 1 Hour!

Real Estate Listing online. Access to the Houston MLS allows our clients the opportunity 
to review all 20,000+ properties on the market in the comfort of their home or office. 
This reduces stress in the selection process. They can preview all homes meeting their 
personal requirements and eliminate homes that may have taken up their valuable time in 
the past.

Working with the professionals at 1st Realty Plus brings additional savings to both buyer 
and seller. Click on the real estate menu. Go to the menu button showing savings for the 
buyer or seller.<B< savings

The synergism of all these firms allows cost saving that were unattainable in the recent 
past. Regardless, if you are the buyer or seller, there are dollar saving advantages for 
using one of our companies to provide the necessary services of buying, selling, 
financing, or insuring your real estate transaction. "Before you can make technology work 
for you, it's important to find out what it offers and where it's going." We offer clients 
a computerized office support system that enhance their ability to stay on the "cutting 
edge" of emerging trends in real estate. The 1st Realty Plus Real Estate Internet 
Information Center system is just one of the innovative tools available to our clients. It 
is available to you in our office Mon-Fri 9:00-5:00 and Sat 10:00-3:00)Last Updated on 
02/28/02

*********************************************************
Q: I plan to take title to a condo apartment in the name of a B.C. corporation to satisfy 
my asset protection and privacy objectives. To what extent, if any, will taking title in 
this way impact the lender's decision on the loan components such as term, interest rate, 
and loan to value ratio? If there is any impact, then what can be done to reduce the 
impact? 


A: There should not be any difficulty in placing the title with a LTD company, provided 
there is a personal guarantee, and the person offering the guarantee occupies the 
residence. If not, the property will be deemed investment, or rental property, and the 
criteria for underwriting this type of mortgage will apply, which often is more onerous, 
and expensive. 


Q: Is it possible to get a mortgage for more than the value of the house, to consolidate 
all of our other bills? 


A: It has not been commonly possible to finance more that 100% of the value of the house. 
However there are a few lenders who may lend as much as 90-100% of the value, while the 
rest of the debt might then be consolidated into a line of credit or other long term debt 
arrangement. This normally depends entirely on the credit worthiness of the borrower, but 
has been done before. I hope this is the answer you were looking for. 
******************************************************
Q: I plan to take title to a condo apartment in the name of a B.C. corporation to satisfy 
my asset protection and privacy objectives. To what extent, if any, will taking title in 
this way impact the lender's decision on the loan components such as term, interest rate, 
and loan to value ratio? If there is any impact, then what can be done to reduce the 
impact? Answer 


Q: Is it possible to get a mortgage for more than the value of the house, to consolidate 
all of our other bills? Answer 


Q: What other financial services must I purchase from the lender in order to obtain a 
mortgage with favorable terms? Answer 


Q: If rates drop during the term of my mortgage, what are my costs for early renewal? 
Answer 


Q: Can I receive an amortization schedule before I sign? Answer 


Q: For whom is my banker working? Answer 


Q: Who is the beneficiary of my mortgage life insurance? Answer 


Q: Why are renewal rates usually higher to existing clients than rates offered to the 
general public? Answer 


Q: Will bi-weekly payments really save me money? Answer 


Q: Will you still do business with me if I don’t pay the renewal fee? Answer 


***********************************************
Frequently Asked Tax Questions And Answers
Keyword: Refinancing Fees 
I refinanced my home last year and paid points. Are they all deductible this year?
No. Points paid solely to refinance your home mortgage cannot be deducted in the year 
paid. Instead, they must be deducted over the life of the loan. For more details, refer to 
Tax Topic 504, Home Mortgage Points, or Publication 936, Home Mortgage Interest Deduction. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home Mortgage Points 

--------------------------------------------------------------------------------

I refinanced my home and paid closing costs. Are the loan origination fee, appraisal fee, 
document prep fee, closing fee, and title insurance or any of the other expenses 
deductible? Are any of the fees I paid to the bank for the loan deductible?
The loan origination fee (points) may be deductible. The term "points" is used to describe 
certain charges paid by a borrower to obtain a home mortgage. Points may be deductible as 
home mortgage interest. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

I refinanced my home mortgage and had to pay $2,000.00 worth of points to get the 
mortgage. Can I claim these points as a deduction on my tax return?
Points may be deductible as home mortgage interest. Normally, the points have to be 
amortized over the life of the loan. Points charged for specific services, such as 
preparation costs for a mortgage note, appraisal fees or notary fees are not interest and 
cannot be deducted. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

If the IRS says I must deduct points over the life of my mortgage, and I have a 30 year 
mortgage, does this mean that I divide the points paid by 30 and enter that amount on 
Schedule A?
You need to divide the points by the number of payments and deduct points for a year 
according to the number of payments made in the year. Points not included in Form 1098 
should be entered on Line 12 of Form 1040, SCHEDULE A, Itemized Deductions. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

I refinanced my house once and paid $1,230 in points. On Schedule A, line 12 (points not 
reported on Form 1098) I have listed $41 each year. I refinanced my home again and paid 
off the entire previous loan including the points. Am I entitled to include the $984 
(remaining points paid off) on Schedule A this year?
If you spread your deduction for points over the life of the mortgage, you can deduct any 
remaining balance in the year the mortgage ends. A mortgage may end early due to a 
prepayment, refinancing, foreclosure, or similar event. 

Under the conditions you describe in your question, you would be able to deduct $984, in 
the year the mortgage ended. You would report the deduction on Form 1040, SCHEDULE A, 
Itemized Deductions. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

I took out a second mortgage and received a form with my mortgage interest on it but it 
has no points. Under the points section it states to check with your original lender. Can 
I still claim those points? If so, how do I get a form stating them?
Yes, you can still claim the points that were paid to the original lender (provided that 
it meets the limitations for points). Lenders are required to issue Mortgage Interest 
Statement's if you paid $600 or more of mortgage interest (including certain points) 
during the year on any one mortgage. You generally will receive a Form 1098, Mortgage 
Interest Statement, or a similar statement from the mortgage holder. 

You should receive the statement for each year by January 31 of the following year. A copy 
of this form will also be sent to the IRS. If you have not received the Form 1098 from the 
original lender, you should try to contact them for a copy of the form. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

Where on Schedule E do you put costs paid (points, fees, etc.) to refinance a rental 
property?
Expenses you pay to obtain a mortgage on your rental property cannot be deducted as 
interest. These expenses, which include mortgage commissions, abstract fees, and recording 
fees, are capital expenses. You can amortize them over the life of the mortgage on line 18 
of Form 1040, SCHEDULE E, Supplemental Income and Loss. 

References:
Form 1040, SCHEDULE E, Supplemental Income 
**************************************************
Frequently Asked Tax Questions And Answers
Itemized Deductions/Standard Deductions -

Real Estate (Taxes, Mortgage Interest, Points, Other Property Expenses) 
I just bought a home. What can I deduct from the settlement statement?
If you bought your home, you probably paid settlement or closing costs in addition to the 
contract price. These costs are divided between you and the seller according to the sales 
contract, local custom, or understanding of the parties. If you built your home, you 
probably paid these costs when you bought the land or settled on your mortgage. 

The only settlement or closing costs you can deduct are home mortgage interest, certain 
points and certain real estate taxes. You deduct them in the year you buy your home if you 
itemize your deductions. You can add certain other settlement or closing costs to the 
basis of your home. There are some settlement or closing costs that you cannot deduct or 
add to the basis. 

Real estate taxes are usually divided so that you and the seller each pay taxes for the 
part of the property tax year that each owned the home. 

You can include in your basis the settlement fees and closing costs that are for buying 
your home. You cannot include in your basis the fees and costs that are for getting a 
mortgage loan. A fee is for buying the home if you would have had to pay it even if you 
paid cash for the home. 

Refer to Publication 530, Tax Information for first Time-Homeowners, for more information 
about settlement or closing costs and determining the basis of your home. 

References:
Publication 530, Tax information for First-Time Homeowners 

--------------------------------------------------------------------------------

I have a mortgage for my primary residence and a second mortgage for land that I intend to 
build a home on. Can the interest be deducted for the second mortgage?
No. Until you have started a home or have one built, the land would be considered an 
investment. The interest does not qualify as deductible mortgage interest. Refer to 
Publication 550, Investment Income and Expenses, for further information. 

References:
Publication 550, Investment Income and Expenses 
Tax Topic 505, Interest expense 

--------------------------------------------------------------------------------

I paid my mother's mortgage and real estate taxes last year. The house is in her name. Can 
I deduct the mortgage interest and property tax on my tax return?
Generally, you can deduct only taxes that are imposed on you. You cannot deduct the 
property taxes unless you are the legal owner of the property, nor the mortgage interest 
unless you are legally liable for the loan. Your mother cannot deduct these either because 
she did not make the payments. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expense 
Tax Topic 503, Deductible taxes 

--------------------------------------------------------------------------------

My daughter and I own a house together. Her name is on the mortgage, but both our names 
are on the deed. Can we each claim half the yearly interest and property tax on our income 
tax returns?
In order for both of you to claim one-half of the interest deduction, both of you must be 
legally liable for the loan. Since only your daughter is legally liable for the loan, only 
she can deduct the interest. Since both of you are legal owners of the property, both of 
you may deduct one-half of the real estate taxes paid during the year. 

References:
Publication 936, Home Mortgage Interest Deduction 
Publication 530, Tax Information for First-Time Homeowners 
Tax Topic 505, Interest expense 

--------------------------------------------------------------------------------

Is interest on a home equity line of credit deductible as a second mortgage?
Normally, yes. To deduct interest you paid on a debt you must be legally liable for the 
debt. Additionally, you must be able to itemize your deductions. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

I refinanced my home last year and paid points. Are they all deductible this year?
No. Points paid solely to refinance your home mortgage cannot be deducted in the year 
paid. Instead, they must be deducted over the life of the loan. For more details, refer to 
Tax Topic 504, Home Mortgage Points, or Publication 936, Home Mortgage Interest Deduction. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home Mortgage Points 

--------------------------------------------------------------------------------

Is the interest paid on the loan for a lot (with no home on it) deductible as mortgage 
interest?
Generally the interest on a lot is not deductible as mortgage interest. 

If you are planning to build a house, you can start deducting mortgage interest once 
construction begins. The following is from Publication 936, Home Mortgage Interest 
Deduction: 

You can treat a home under construction as a qualified home for a period of up to 24 
months, but only if it becomes your qualified home at the time it is ready for occupancy. 
The 24-month period can start any time on or after the day construction begins. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

We purchased land to build a home on. Is the interest on the mortgage secured by the land 
deductible?
In order for interest to be deductible as home mortgage interest, the loan needs to be 
secured by a qualified residence. A qualified residence is your principle residence or one 
other residence selected by you that you use as a residence. If you place a dwelling unit 
on the land and use it as a vacation home, it may qualify as your second residence. The 
rules defining a dwelling unit and the use of a dwelling unit as a residence are found in 
Publication 527, Residential Rental Property (Including Rental of Vacation Homes) in the 
section, Personal Use of Vacation Home or Dwelling Unit. 

Once you start construction of your home, you may treat the home under construction as a 
qualified residence for a period of up to 24 months, but only if the home becomes a 
qualified residence at the time it is ready for occupancy. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expense 

--------------------------------------------------------------------------------

Is interest paid on a construction loan for a new home considered deductible mortgage 
interest? 
You can treat a home under construction as a home qualifying for the home interest 
deduction for a period of up to 24 months, but only if it becomes your qualified home at 
the time it is ready for occupancy. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

I got a loan to buy some land. Later I got another loan for the construction of the house. 
After the house was built I got a third loan which paid off the first two loans. Is the 
interest on any of these loans deductible?
All three loans may qualify as home mortgage interest. Generally the interest on a lot is 
not deductible as mortgage interest. However, if you build a house on the lot you can 
start deducting mortgage interest once construction begins. For more information refer to 
Publication 936, Home Mortgage Interest Deduction. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

I pay interest on money borrowed to purchase land. I built a home on that land, but have 
no mortgage. Is the interest I pay for the land deductible? Where is it deductible on the 
return? 
Generally the interest on a lot is not deductible as mortgage interest. However, since you 
built a home on the property, it would be deductible as home mortgage interest provided 
that the loan is secured by the house or the property. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

I took out a home equity loan to pay off personal debts. Is this interest deductible? 
Where do I enter this amount on my tax return?
If you took out a loan for reasons other than to buy, build, or substantially improve your 
home, it may qualify as home equity debt. In addition, debt you incurred to buy, build, or 
substantially improve your home, to the extent it is more than the home acquisition debt 
limit, may qualify as home equity debt. Refer to Publication 936, Home Mortgage Interest 
Deduction, for more information. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

If I borrow money from my 401(k) to purchase a home, is the interest I pay back to my 
401(k) deductible as mortgage interest on my 1040?
The mortgage must be a secured debt on a qualified home. Generally, your mortgage is a 
secured debt if you put your home up as collateral to protect the interests of the lender. 
The term "qualified home" means your main home or second home. For details, refer to 
Publication 936, Home Mortgage Interest Deduction. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

May I deduct my home improvements and repairs to my home?
Home improvements add to the value of your home, prolong its useful life, or adapt it to 
new uses. You add the cost of improvements to the basis of your property. 

Examples of improvements include putting a recreation room in your unfinished basement, 
adding another bathroom, or bedroom, putting up a fence, putting in new plumbing or 
wiring, putting on a new roof, or paving your driveway. 

For a list of some other examples of improvements, refer to Publication 523, Selling Your 
Home. 

Repairs maintain your home in good condition. They do not add to its value or prolong its 
life, and you do not add their cost to the basis of your property. 

Some examples of repairs include repainting your house inside or outside, fixing your 
gutters or floors, repairing leaks or plastering and replacing broken window panes. 

Exception: The entire job is considered an improvement, however, if items that would 
otherwise be considered repairs are done as part of an extensive remodeling or restoration 
of your home. 

References:
Publication 523, Selling Your Home 

--------------------------------------------------------------------------------

Our home was seriously damaged by flooding last year. Are there special provisions for 
claiming a loss since our home is located in a declared disaster area?
Casualty losses are generally deductible only in the year the casualty occurred. However, 
if you have a deductible loss from a disaster in an area that is officially designated by 
the President of the United States as eligible for federal disaster assistance, you can 
choose to deduct that loss on your return for the year immediately preceding the loss 
year. In other words, you may treat the loss as having occurred in either the current year 
or the previous year, whichever provides the best tax results for you. If you have already 
filed your return for the preceding year the loss may be claimed by filing an amended 
return, Form 1040X. For additional information on disaster area losses (including flood 
losses), refer to Tax Topic 515, or Publication 547, Casualties, Disasters and Thefts 
(Business and Non-Business). Publication 584, Non-Business Disaster, Casualty, and Theft 
Loss Workbook, can be used to help you catalog your property. 

References:
Publication 547, Casualties, Disasters and Thefts (Business and Non-Business) 
Publication 584, Non-Business Disaster, Casualty, and Theft Loss Workbook 
Form 1040X, Amended U.S. Individual Income Tax Return 
Tax Topic 515, Disaster area losses 

--------------------------------------------------------------------------------

Our garage caught fire this last July. Can we claim a loss on our income tax return?
If you lose property through casualty or theft, you may be entitled to a tax deduction. A 
casualty is the damage, destruction, or loss of property resulting from an identifiable 
event that is sudden, unexpected, or unusual in nature. Some examples of casualties 
include car accidents, fires, and vandalism. If your property is covered by insurance, you 
cannot deduct a loss unless you file a timely insurance claim for reimbursement. To claim 
a casualty or theft loss, you must complete Form 4684, Casualties and Thefts, and attach 
it to your return. A nonbusiness casualty or theft loss may be claimed only if you itemize 
deductions on Form 1040, SCHEDULE A. If your loss took place in a declared disaster area, 
please refer to Tax Topic 515, Disaster Area Losses (Including Flood Losses). For 
additional information, refer to Form 4684, or Tax Topic 507, Casualty Losses, or 
Publication 547, Casualties, Disasters, and Thefts (Business and Non-business). If many 
items are involved, also refer to Publication 584, Non-business Disaster, Casualty, and 
Theft Workbook. 

References:
Publication 547, Casualties, Disasters, and Thefts (Business and Non-business) 
Publication 584, Non-business Disaster, Casualty, and Theft Workbook 
Form 1040, SCHEDULE A, Itemized Deductions 
Form 4684, Casualties and Thefts 
Tax Topic 507, Casualty Losses 
Tax Topic 515, Disaster Area Losses (Including Flood Losses) 

--------------------------------------------------------------------------------

Is personal credit card interest tax deductible?
No, personal credit card interest is not tax deductible. 

References:
Publication 17, Your Federal Income Tax 
Publication 529, Miscellaneous Deductions 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

Is the mortgage interest and property tax on a second residence deductible?
Real estate taxes paid on your primary and second residence are usually deductible. 
Deductible real estate taxes include any state, local, or foreign taxes on real property 
levied for the general public welfare. Deductible real estate taxes generally do not 
include taxes charged for local benefits and improvements that increase the value of the 
property. 

References:
Publication 936, Home Mortgage Interest Deduction 
Publication 530, Tax Information for First-Time Homeowners 
Tax Topic 505, Interest expense 

--------------------------------------------------------------------------------

I bought a 5th wheel for vacationing. Can I deduct the interest on the loan for this 5th 
wheel? Where would it be listed? 
If the loan is secured by the fifth wheel you can claim interest on this loan only if the 
fifth wheel meets the requirements of a qualified home and is considered your second home. 
A qualified home includes a house, condominium, cooperative, mobile home, boat or similar 
property that has sleeping, cooking and toilet facilities. You can only have one principal 
residence and only one qualified second home. The interest is deducted on Form 1040, 
SCHEDULE A, Itemized Deductions, as mortgage interest on line 10 or 11. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

What are the rules for mortgage interest on a manufactured Home? Can I deduct the interest 
on the mortgage for the manufactured home if it is on a rented lot? Can I deduct the 
interest for the manufactured home and for the lot if I buy a lot for the home?
For you to take a home mortgage interest deduction, your debt must be secured by a 
qualified home. This means your main home or your second home. A home includes a house, 
condominium, cooperative, mobile home, boat, or similar property that has sleeping, 
cooking, and toilet facilities. 

If you buy a lot and place the manufactured home on it, the interest paid for the lot 
would be qualifying home mortgage interest, provided that it was secured by the house. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 505, Interest expenses 

--------------------------------------------------------------------------------

I refinanced my home and paid closing costs. Are the loan origination fee, appraisal fee, 
document prep fee, closing fee, and title insurance or any of the other expenses 
deductible? Are any of the fees I paid to the bank for the loan deductible?
The loan origination fee (points) may be deductible. The term "points" is used to describe 
certain charges paid by a borrower to obtain a home mortgage. Points may be deductible as 
home mortgage interest. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

I refinanced my home mortgage and had to pay $2,000.00 worth of points to get the 
mortgage. Can I claim these points as a deduction on my tax return?
Points may be deductible as home mortgage interest. Normally, the points have to be 
amortized over the life of the loan. Points charged for specific services, such as 
preparation costs for a mortgage note, appraisal fees or notary fees are not interest and 
cannot be deducted. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

If the IRS says I must deduct points over the life of my mortgage, and I have a 30 year 
mortgage, does this mean that I divide the points paid by 30 and enter that amount on 
Schedule A?
You need to divide the points by the number of payments and deduct points for a year 
according to the number of payments made in the year. Points not included in Form 1098 
should be entered on Line 12 of Form 1040, SCHEDULE A, Itemized Deductions. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

I refinanced my house once and paid $1,230 in points. On Schedule A, line 12 (points not 
reported on Form 1098) I have listed $41 each year. I refinanced my home again and paid 
off the entire previous loan including the points. Am I entitled to include the $984 
(remaining points paid off) on Schedule A this year?
If you spread your deduction for points over the life of the mortgage, you can deduct any 
remaining balance in the year the mortgage ends. A mortgage may end early due to a 
prepayment, refinancing, foreclosure, or similar event. 

Under the conditions you describe in your question, you would be able to deduct $984, in 
the year the mortgage ended. You would report the deduction on Form 1040, SCHEDULE A, 
Itemized Deductions. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

--------------------------------------------------------------------------------

I took out a second mortgage and received a form with my mortgage interest on it but it 
has no points. Under the points section it states to check with your original lender. Can 
I still claim those points? If so, how do I get a form stating them?
Yes, you can still claim the points that were paid to the original lender (provided that 
it meets the limitations for points). Lenders are required to issue Mortgage Interest 
Statement's if you paid $600 or more of mortgage interest (including certain points) 
during the year on any one mortgage. You generally will receive a Form 1098, Mortgage 
Interest Statement, or a similar statement from the mortgage holder. 

You should receive the statement for each year by January 31 of the following year. A copy 
of this form will also be sent to the IRS. If you have not received the Form 1098 from the 
original lender, you should try to contact them for a copy of the form. 

References:
Publication 936, Home Mortgage Interest Deduction 
Tax Topic 504, Home mortgage points 

*********************************************
April 15 – Freddie Mac announces details of first quarter shareholder and analyst 
conference call.

April 15 – Freddie Mac to issue seven-year callable bond for $1.5 billion and redeem 
10-year, callable bond.

April 12 – Mayor Masiello, Freddie Mac and others launch anti-predatory lending campaign 
in Buffalo, NY.

April 11 – Long-term mortgage rates drop to lowest level in four weeks.

April 11 – Freddie Mac prices 10-year Reference Note® totaling $3 billion.

April 10 – Housing poised for another boom year, according to Freddie Mac economic 
forecast.

April 10 – Freddie Mac expands Program Plus network with addition of Capstone Realty 
Advisors.


| View All News Releases |









From EarlyIndicator® to Workout Prospector®, Freddie Mac has the products and the 
personnel to help you manage your servicing portfolios for superior bottom line results 
and long-term homeownership for your customers. 




Freddie Mac’s 2001 Annual Report is now available. The expanded report includes new, 
in-depth disclosures about the company's use of derivatives, risk counterparties, and 
other risk management practices, enhancing Freddie Mac’s already world-class level of 
financial disclosure.




We find new ways to help you make home ownership possible in your community. We succeed 
with products like the Islamic "Mortgage" and financing for teachers in California. See 
what other products we have to help your borrowers achieve the American Dream.




Since Freddie Mac released its 2001 Information Statement on April 1, the news and 
financial communities have been vocal in their praise for our commitment to provide a 
level of enhanced disclosure that meets or exceeds the SEC's disclosure requirements for 
publicly-traded companies.




Each week, Freddie Mac offers investors Reference Bills®, short-term investments that 
provide superior yield, liquidity and value. Combined with Reference Notes®, Reference 
Bonds and other securities, Freddie Mac provides a complement of debt products that few 
can match.

********************************************
Bestrate Home Equity Consolidation Loans is a mortgage lending institution offering a 
variety of home equity programs throughout the United States. If you are searching for a 
professional and customer-oriented mortgage company to assist you in obtaining a home 
equity loan, then you've found the right place. Our team of mortgage specialists will 
consult with you and design a mortgage package according to your needs. We offer some of 
the most competitive interest rates in the industry today.

Our mission is to obtain the best possible financing arrangements for our clients, with 
special attention paid to their financial circumstances and requirements. Each of our 
clients is treated on an individual basis, and we pledge to do are very best to obtain the 
financing you need regardless of your credit situation. Apply online using our Fast 
Application and a mortgage specialist will be in touch with you within 48 hours. 

Use our Quick Application to apply online now without obligation!
****************************************
Compare Mortgage Rates Before You Buy or Refinance your Home! 
Find the best mortgages at the lowest interest rates. Search for current mortgage interest 
rates from lenders and brokers nationwide. Most lenders update their rates every day. 

Use our loan calculator to determine a loan amount and mortgage payment that's right for 
you.

Browse consumer information on mortgage rates, points, rate locks, PMI, and closing costs. 
We also feature information on FHA, VA, home equity, home improvement, low down payment, 
first time home buyer, and BCD mortgage loans. 



Lenders sign-up here!


Select your State from the map or the list below.



Alabama Indiana Nebraska South Carolina 
Alaska Iowa Nevada South Dakota 
Arizona Kansas New Hampshire Tennessee 
Arkansas Kentucky New Jersey Texas 
California Louisiana New Mexico Utah 
Colorado Maine New York Vermont 
Connecticut Maryland North Carolina Virginia 
Delaware Massachusetts North Dakota Washington 
Florida Michigan Ohio Washington DC 
Georgia Minnesota Oklahoma West Virginia 
Hawaii Mississippi Oregon 
Wisconsin 
Idaho Missouri Pennsylvania Wyoming 
Illinois Montana Rhode Island 


***************************************************************


Lowest Rates! No Points! No Broker Fees! 



Homebound Mortgage Company is a mortgage brokerage firm based in Colchester, Vermont. Our 
name is inspired by the fact that we’re bound and determined to give you the lowest 
interest rate in the country for your home mortgage or refinancing package.

There’s really no point, anymore, in going to a bank for a mortgage loan. Most banks sell 
their mortgages to somebody else. They don’t cherish them forever. So a mortgage loan is a 
commodity, which means you might as well pay as little as possible for it. That’s where we 
come in.

Banks (not you) pay us to broker your mortgage loan. You pay no broker fees or points on a 
loan of $100,000 or more. And because of our high volume and low profit margins, you can’t 
do better than getting your loan through us.

We do business on a national basis and we represent you, not the bank. We’ve made a study 
of you, the mortgage shopper, and we’ve designed our services around your priorities: 
lowest possible rates, quickest possible turnover.

We specialize in zero-broker-fee, zero-point, rock-bottom-rate, lightning-turnaround 
mortgages on a national basis. What you can get from a bank, you can get from us. At the 
lowest rates in the country.



Some of the Products and Services We Offer
It's a great time to refinance! CALL TODAY! 
We encourage personal phone contact! 
Conforming Loans up to $300,700 
How low can our rates go? Take a look. 




Current Rates
Program Rate Points Fees APR 
30 Year Fixed 6.625 0.375 790 6.710 
30 Year Fixed 6.250 2.000 790 6.488 
30 Year Fixed Jumbo 6.875 0.125 790 7.023 
30 Year Fixed Jumbo 6.500 2.000 790 6.721 
15 Year Fixed 5.875 1.125 6.114 6.021 
15 Year Fixed 6.125 0.375 790 6.220 
15 Year Jumbo 6.500 0.000 790 6.623 
15 Year Jumbo 6.000 2.000 790 6.198 
1 Year Arm 5.375 0.000 790 5.502 
1 Year Jumbo 6.250 0.000 790 6.369 
3 Year Arm 5.375 0.500 790 5.502 
3 Year Jumbo 5.500 0.125 790 5.623 
5 Year Arm 6.000 0.000 790 6.119 
5 Year Jumbo Arm 6.000 0.125 790 6.123 
5 Year Balloon 5.750 0.250 790 5.812 
7 Year Balloon 6.000 0.375 790 6.117 
Investment Property 6.750 1.500 790 6.902 
No Income Ver. 6.875 1.000 790 7.023 
20 Year Fixed 6.250 1.500 790 6.378 
20 Year Fixed 6.625 0.000 6.826 6.723 
Rates as of April 15, 2002 and subject to change. 

[The information on this page is updated directly by the lender using HSH's LiveEdit 
service. Please contact the lender with any questions or comments about the information 
posted here.] 

Want More Info From Homebound Mortgage?
**********************************
<META NAME="Description" CONTENT="- Information hungry? Find it here - Home Loans - 
Mortgages,Business,Automobile,Mortgages,Student Loans,Banks,Debt Consolidation,Loan 
Calculators,Government Loans,Boat Loans,Credit Cards,Add Your Business,">
<META NAME="Keywords" CONTENT="Home Loans - 
Mortgages,Business,Automobile,Mortgages,Student Loans,Banks,Debt Consolidation,Loan 
Calculators,Government Loans,Boat Loans,Credit Cards,Add Your Business,">
<META NAME="CLASSIFICATION" CONTENT="Home Loans - 
Mortgages,Business,Automobile,Mortgages,Student Loans,Banks,Debt Consolidation,Loan 
Calculators,Government Loans,Boat Loans,Credit Cards,Add Your Business,">
<!-- Home Loans - Mortgages,Business,Automobile,Mortgages,Student 
Loans,Banks,Debt Consolidation,Loan Calculators,Government Loans,Boat Loans,Credit 
Cards,Add Your Business, -->
******************************************************
Business Finance Center 



Commercial Real Estate Mortgage Loans 


Owner-occupied and investment properties, office, warehouse and retail.


SBA Loans 


Government guaranteed loan program which provides financing to small businesses for a 
variety of purposes with fully amortized loans with terms up to 25 years. 


Refinance Loans 


Refinancing of existing debt to provide longer term and reduce monthly debt service 
requirements.


Permanent Working Capital 


Term loans to consolidate existing short-term debt or to provide new funds for expansion 
and growth of business. 


Business Acquisition Loans 


Financing for the experienced managers and entrepreneurs for the acquisition of existing 
businesses.

Business & Industrial Loans 


Working capital lines of credit, government receivables financing and fixed 
asset/equipment term loans. 


Equipment/Machinery Loans and Leases 


Full payout finance leases, true leases (fair market value buy-out), fixed purchase option 
leases, federal and municipal leases. 


Construction/Permanent Loans 


Business facilities construction, office and other income property construction, 
commercial construction, permanent loans, new home construction and residential lot 
development. 

***************************************
Insurance & Annuities Center 




Auto Insurance 


Auto insurance protects the insured from the risks associated with owning and operating an 
automobile. Automobile owners are legally required by the states they reside in to carry 
such insurance, which potentially helps to limit financial losses for the insured. 
Premiums will depend upon, among other factors, driving record, driving habits, location, 
and credit history. 


Home Insurance 


Home insurance protects a living space from losses related to certain natural disasters, 
weather, fire, vandalism, theft, and other destructive forces. Mortgage lenders require 
borrowers to carry this type of insurance. 





Annuities 


An annuity is a legal contract between an insurance company and its buyer wherein the 
buyer agrees to accept an specific income distributed over a specific period of time in 
exchange for an upfront premium. The income distribution can begin immediately or be 
deferred. 


Life Insurance 


A life insurance policy is a legal contract between an insurance company and the 
policyholder that provides financial protection to a beneficiary or beneficiaries upon the 
death of the policyholder. Term life insurance provides protection for a specific amount 
of time, while permanent life insurance provides protection for the remainder of life. 
Life insurance policies usually require policyholders to pass a medical examination. 

Health Insurance 


Health insurance is an agreement between an insurance company and the policyholder that 
provides for the payment of medical expenses related to medical problems or conditions 
that start after the agreement is made. 

************************************** 
Company History 
BanxCorp was established in New York in 1984. In 1985, the company began its business 
relationship with the print edition of The Wall Street Journal by providing a weekly table 
with competitive deposit rates from banks and thrifts nationwide as well as a benchmark 
index with weekly market trends. During its early years, BanxCorp served primarily as a 
deposit broker. 

From 1995 to 1997, BanxCorp began to accelerate the development of its electronic delivery 
systems. As a result, it expanded its distribution agreements with professional capital 
market monitors including Bloomberg, Reuters, Dow Jones Telerate, and Knight-Ridder. The 
company gradually expanded the range of its product offerings to include various mortgage 
and consumer loan rates from financial service providers in all fifty states and 
Washington, DC. 

In 1996, the company launched a co-branded BanxCorp Banking Center in partnership with The 
Wall Street Journal Interactive Edition. Since that time, the company has entered into 
similar syndication partnerships with other media organizations.

Financial Services Marketplace 
The company's BanxQuote service provides daily market quotes on deposits and loans from 
financial institutions in all fifty states, with state-by-state, regional and national 
composite benchmarks. It is available through a proprietary website and through a 
syndicate of co-branded websites in partnership with various media and financial 
organizations, including The Wall Street Journal, The New York Times Digital, UBS 
PaineWebber, New York Daily News, and New Jersey Online. The Wall Street Journal has 
published the Company's data in print weekly since 1985. The Company also licenses its 
data and proprietary financial applications to third parties.

The BanxCorp Quality Assurance Process
The key to BanxCorp's deployment of its successful data-feeds and software products is the 
integration of a formal Quality Assurance Process. BanxCorp uses a comprehensive set of 
quality assurance tools, techniques and methodologies to evaluate and validate database 
programs and applications, hardware and software performance and overall product quality, 
providing vital protection to its investment in communications and information 
technologies.
*****************************************
http://www.mp3worldwide.com

http://www.mp3yourway.com

http://www.davismortgages.com/

http://www.xtoysvideos.com
http://www.4adultgaytoys.com
http://www.xtoysandvideos.com

http://www.otgcellular.com
http://www.onthegocellular.com

index2.html  

index3.html    

index4.html

 
and if you just happen to see any of the sites beneath they are the same, we just thought we'd give you people some more options to find us.
LINK score
http://geocities.com/mrwonka4u/ 10
http://hometown.aol.com/mrwonka4u/myhomepage/index.html 10
http://mrwonka4u.tripod.com/ 10
http://www.freehomepages.com/mrwonka4u/ 10
http://www.gameroom.com/seriousm4u/ 10
http://www.dazzled.com/david4hire/ 10
http://www.haywired.com/trek44/ 10
http://www.freehomepages.com/trek44/ 10
http://www.powow.com/trek44/ 10
http://www.pcpages.com/trek44/ 10
http://www.megaone.com/trek44/ 10
http://www.pagerealm.com/trek44/ 10
http://www.oddworldz.com/trek44/ 10
http://www.koolpages.com/trek44/ 10
http://www.homepagez.com/trek44/ 10
http://www.dazzled.com/trek44/ 10
http://www.cyberturf.com/trek44/ 10
http://www.cybcity.com/trek44/ 10
http://www.cybamall.com/trek44/ 10
http://www.gameroom.com/trek44/ 10
http://www.powow.com/trek444/ 10
http://www.pcpages.com/trek444/ 10
http://www.oddworldz.com/trek444/ 10
http://www.pagerealm.com/trek444/ 10
http://www.megaone.com/trek444/ 10
http://www.koolpages.com/trek444/ 10
http://www.homepagez.com/trek444/ 10
http://www.haywired.com/trek444/ 10
http://www.dazzled.com/trek444/ 10
http://www.freehomepages.com/trek444/ 10
http://www.cybamall.com/trek444/ 10
http://www.cyberturf.com/trek444/ 10
http://www.cybcity.com/trek444/ 10
http://www.gameroom.com/trek444/ 10
http://www.gameroom.com/junglevix/ 10
trek44.freeservers.com 10
http://www.gameroom.com/trek446/ 10
http://www.cybcity.com/trek446/ 10
http://www.cybamall.com/trek446/ 10
http://www.cyberturf.com/trek446/ 10
http://www.dazzled.com/trek446/ 9
http://www.freehomepages.com/trek446/ 9
http://www.homepagez.com/trek446/ 9
http://www.haywired.com/trek446/ 9
http://www.koolpages.com/trek446/ 9
http://www.megaone.com/trek446/ 9
http://www.oddworldz.com/trek446/ 9
http://www.pcpages.com/trek446/ 9
http://www.pagerealm.com/trek446/ 9
http://www.powow.com/trek446/ 9
http://trek446.freeservers.com 9
http://trek446.8m.com 9
http://trek446.8m.net 9
http://trek446.8k.com 9
http://trek446.4t.com 9
http://trek446.s5.com 9
http://trek446.itgo.com 9
http://trek446.iwarp.com 9
http://trek446.4mg.com 9
http://trek446.gq.nu 9
http://trek446.faithweb.com 9
http://trek446.tvheaven.com 9
http://trek446.htmlplanet.com 9
http://trek446.freehosting.net 9
http://trek446.scriptmania.com 9
http://www.gameroom.com/trek447/ 9
http://www.cybamall.com/trek447/ 9
http://www.cybcity.com/trek447/ 9
http://www.cyberturf.com/trek447/ 9
http://www.dazzled.com/trek447/ 9
http://www.freehomepages.com/trek447/ 9
http://trek447.freeservers.com 9
http://trek447.8m.com 9
http://trek447.8k.com 9
http://trek447.4t.com 9
http://trek447.s5.com 9
http://trek447.itgo.com 9
http://trek447.iwarp.com 9
http://trek447.4mg.com 9
http://trek447.gq.nu 9
http://trek447.faithweb.com 9
http://trek447.tvheaven.com 9
http://trek447.htmlplanet.com 9
http://trek447.freehosting.net 9
http://trek447.scriptmania.com 9
http://trek448.freeservers.com 9
http://trek448.8m.com 9
http://trek448.8k.com 9
http://trek448.4t.com 9
http://trek448.s5.com 9
http://trek448.itgo.com 9
http://trek448.iwarp.com 9
http://trek448.4mg.com 9
http://trek448.gq.nu 9
http://trek448.faithweb.com 9
http://trek448.tvheaven.com 9
http://trek448.htmlplanet.com 9
http://trek448.freehosting.net 9
http://trek448.scriptmania.com 9
http://trek449.freeservers.com 9
http://trek449.8m.com 9
http://trek449.8m.net 9
http://trek449.8k.com 9
http://trek449.4t.com 9
http://trek449.s5.com 9
http://trek449.itgo.com 9
http://trek449.iwarp.com 9
http://trek449.4mg.com 9
http://trek449.gq.nu 9
http://trek449.faithweb.com 9
http://trek449.tvheaven.com 9
http://trek449.htmlplanet.com 9
http://trek449.freehosting.net 9
http://trek449.scriptmania.com 9
http://trek451.freeservers.com 9
http://trek451.8m.com 9
http://trek451.8m.net 9
http://trek451.8k.com 9
http://trek451.4t.com 9
http://trek451.s5.com 9
http://trek451.itgo.com 9
http://trek451.iwarp.com 9
http://trek451.4mg.com 9
http://trek451.gq.nu 9
http://trek451.faithweb.com 9
http://trek451.tvheaven.com 9
http://trek451.htmlplanet.com 9
http://trek451.freehosting.net 9
http://trek451.scriptmania.com 9
http://trek452.freeservers.com 9
http://trek452.8m.com 5
http://trek452.8m.net 5
http://trek452.8k.com 5
http://trek452.4t.com 5
http://trek452.s5.com 5
http://trek452.itgo.com 5
http://trek452.iwarp.com 5
http://trek452.4mg.com 5
http://trek452.gq.nu 5
http://trek452.faithweb.com 8
http://trek452.tvheaven.com 8
http://trek452.htmlplanet.com 8
http://trek452.freehosting.net 8
http://trek452.scriptmania.com 8
http://trek453.freeservers.com 8
http://trek453.8m.com 8
http://trek453.8m.net 8
http://trek453.8k.com 8
http://trek453.4t.com 8
http://trek453.s5.com 8
http://trek453.itgo.com 9
http://trek453.iwarp.com 9
http://trek453.4mg.com 9
http://trek453.gq.nu 9
http://trek453.faithweb.com 9
http://trek453.tvheaven.com 9
http://trek453.htmlplanet.com 9
http://trek453.freehosting.net 9
http://trek453.scriptmania.com 9
http://trek454.freeservers.com 9
http://trek454.8m.com 9
http://trek454.8m.net 9
http://trek454.8k.com
http://trek454.4t.com 9
http://trek454.s5.com 9
http://trek454.itgo.com 9
http://trek454.iwarp.com 9
http://trek454.4mg.com 9
http://trek454.gq.nu 9
http://trek454.faithweb.com 9
http://trek454.tvheaven.com 9
http://trek454.htmlplanet.com 9
http://trek454.freehosting.net 9
http://trek454.scriptmania.com 9
http://trek455.freeservers.com 9
http://trek455.8m.com 7
http://trek455.8m.net
http://trek455.8k.com 7
http://trek455.4t.com 7
http://trek455.s5.com 7
http://trek455.itgo.com 7
http://trek455.iwarp.com 7
http://trek455.4mg.com 7
http://trek455.gq.nu 7
http://trek455.faithweb.com 7
http://trek455.tvheaven.com 7
http://trek455.htmlplanet.com 7
http://trek455.freehosting.net 7
http://trek455.scriptmania.com 7
http://trek456.freeservers.com 7
http://trek456.8m.com 7
http://trek456.8m.net 7
http://trek456.8k.com 7
http://trek456.4t.com 7
http://trek456.s5.com 7
http://trek456.itgo.com 7
http://trek456.iwarp.com 7
http://trek456.4mg.com 7
http://trek456.gq.nu 9
http://trek456.faithweb.com 9
http://trek456.tvheaven.com 9
http://trek456.htmlplanet.com
http://trek456.freehosting.net 9
http://trek456.scriptmania.com 9
http://trek457.freeservers.com 9
http://trek457.8m.com 9
http://trek457.8m.net 9
http://trek457.8k.com 9
http://trek457.4t.com 9
http://trek457.s5.com 9
http://trek457.itgo.com 9
http://trek457.iwarp.com 9
http://trek457.4mg.com 9
http://trek457.gq.nu 9
http://trek457.faithweb.com
http://trek457.tvheaven.com 9
http://trek457.htmlplanet.com 9
http://trek457.freehosting.net 9
http://trek457.scriptmania.com 9
http://trek460.freeservers.com 9
http://trek460.8m.com 9
http://trek460.8m.net 9
http://trek460.8k.com 9
http://trek460.4t.com 9
http://trek460.s5.com 9
http://trek460.itgo.com 9
http://trek460.iwarp.com 9
http://trek460.4mg.com 9
http://trek460.gq.nu 9
http://trek460.faithweb.com 9
http://trek460.tvheaven.com 9
http://trek460.htmlplanet.com
http://trek460.freehosting.net 99
http://trek460.scriptmania.com
http://trek461.freeservers.com 99
http://trek461.8m.com 9
http://trek461.8m.net 9
http://trek461.8k.com 9
http://trek461.4t.com 9
http://trek461.s5.com 9
http://trek461.itgo.com 9
http://trek461.iwarp.com 9
http://trek461.4mg.com 9
http://trek461.gq.nu 9
http://trek461.faithweb.com 9
http://trek461.tvheaven.com 9
http://trek461.htmlplanet.com 9
http://trek461.freehosting.net 9
http://trek461.scriptmania.com 9
http://trek462.freeservers.com 9
http://trek462.8m.com
http://trek462.8m.net 7
http://trek462.8k.com 7
http://trek462.4t.com 7
http://trek462.s5.com 8
http://trek462.itgo.com 8
http://trek462.iwarp.com 87
http://trek462.4mg.com 8
http://trek462.gq.nu 7
http://trek462.faithweb.com 87
http://trek462.tvheaven.com 87
http://trek462.htmlplanet.com 8
http://trek462.freehosting.net 58
http://trek462.scriptmania.com 5
http://trek463.freeservers.com 5
http://trek463.8m.com 4
http://trek463.8m.net 4
http://trek463.8k.com 4
http://trek463.4t.com 4
http://trek463.s5.com 88
http://trek463.itgo.com 8
http://trek463.iwarp.com 8
http://trek463.4mg.com 88
http://trek463.gq.nu 7
http://trek463.faithweb.com 7
http://trek463.tvheaven.com 7
http://trek463.htmlplanet.com 7
http://trek463.freehosting.net 7
http://trek463.scriptmania.com 7
http://trek464.freeservers.com 7
http://trek464.8m.com 77
http://trek464.8m.net 7
http://trek464.8k.com 8
http://trek464.4t.com 8
http://trek464.s5.com 88
http://trek464.itgo.com 7
http://trek464.iwarp.com 8
http://trek464.4mg.com 87
http://trek464.gq.nu 87
http://trek464.faithweb.com 7
http://trek464.tvheaven.com 78
http://trek464.htmlplanet.com 78
http://trek464.freehosting.net 8
http://trek464.scriptmania.com 8
http://trek465.freeservers.com 7
http://trek465.8m.com 7
http://trek465.8m.net 7
http://trek465.8k.com 84
http://trek465.4t.com 4
http://trek465.s5.com 4
http://trek465.itgo.com 45
http://trek465.iwarp.com 5
http://trek465.4mg.com 5
http://trek465.gq.nu 5
http://trek465.faithweb.com 5
http://trek465.tvheaven.com 55
http://trek465.htmlplanet.com 5
http://trek465.freehosting.net 5
http://trek465.scriptmania.com 7
http://trek466.freeservers.com 8
http://trek466.8m.com 84
http://trek466.8m.net 4
http://trek466.8k.com 5
http://trek4466.4t.com 55
http://trek466.s5.com 5
http://trek466.itgo.com 5
http://trek466.iwarp.com 5
http://trek466.4mg.com 5
http://trek466.gq.nu 5
http://trek466.faithweb.com 47
http://trek466.tvheaven.com 7
http://trek466.htmlplanet.com 7
http://trek466.freehosting.net 8
http://trek466.scriptmania.com 754
http://trek467.freeservers.com 4
http://trek467.8m.com 5
http://trek467.8m.net 4
http://trek467.8k.com 4
http://trek467.4t.com 4
http://trek467.s5.com 5
http://trek467.itgo.com 5
http://trek467.iwarp.com 5
http://trek467.4mg.com 55
http://trek467.gq.nu 5
http://trek467.faithweb.com 5
http://trek467.tvheaven.com 5
http://trek467.htmlplanet.com 5
http://trek467.freehosting.net 5
http://trek467.scriptmania.com 5
http://trek468.freeservers.com 5
http://trek468.8m.com 89
http://trek468.8m.net 9
http://trek468.8k.com 9
http://trek468.4t.com 9
http://trek468.s5.com 9
http://trek468.itgo.com 9
http://trek468.iwarp.com 9
http://trek468.4mg.com 9
http://trek468.gq.nu 9
http://trek468.faithweb.com 9
http://trek468.tvheaven.com 9
http://trek468.htmlplanet.com 9
http://trek468.freehosting.net 9
http://trek468.scriptmania.com 9
http://trek469.freeservers.com 9
http://trek469.8m.com 9
http://trek469.8m.net 9
http://trek469.8k.com 99
http://trek469.4t.com 9
http://trek469.s5.com 9
http://trek469.itgo.com 9
http://trek469.iwarp.com 9
http://trek469.4mg.com 9
http://trek469.gq.nu 9
http://trek469.faithweb.com 99
http://trek469.tvheaven.com 9
http://trek469.htmlplanet.com 9
http://trek469.freehosting.net 9
http://trek469.scriptmania.com 9
http://trek470.freeservers.com 88
http://trek470.8m.com 8
http://trek470.8m.net 8
http://trek470.8k.com 8
http://trek470.4t.com 8
http://trek470.s5.com 8
http://trek470.itgo.com 88
http://trek470.iwarp.com
http://trek470.4mg.com 8
http://trek470.gq.nu 8
http://trek470.faithweb.com
http://trek470.tvheaven.com 8
http://trek470.htmlplanet.com 8
http://trek470.freehosting.net 8
http://trek470.scriptmania.com 8
http://trek471.freeservers.com 8
http://trek471.8m.com 8
http://trek471.8m.net 8
http://trek471.8k.com 8
http://trek471.4t.com 8
http://trek471.s5.com 99
http://trek471.itgo.com 9
http://trek471.iwarp.com 9
http://trek471.4mg.com 9
http://trek471.gq.nu 9
http://trek471.faithweb.com 9
http://trek471.tvheaven.com 9
http://trek471.htmlplanet.com 99
http://trek471.freehosting.net 9
http://trek471.scriptmania.com 9
http://trek472.freeservers.com 9
http://trek472.8m.com 9
http://trek472.8m.net 99
http://trek472.8k.com 9
http://trek472.4t.com 9
http://trek472.s5.com 9
http://trek472.itgo.com 99
http://trek472.iwarp.com 7
http://trek472.4mg.com 7
http://trek472.gq.nu 7
http://trek472.faithweb.com 7
http://trek472.tvheaven.com 7
http://trek472.htmlplanet.com 7
http://trek472.freehosting.net 7
http://trek472.scriptmania.com 77
http://trek473.freeservers.com 7
http://trek473.8m.com 8
http://trek473.8m.net 8
http://trek473.8k.com 8
http://trek473.4t.com 88
http://trek473.s5.com 8
http://trek473.itgo.com 8
http://trek473.iwarp.com 87
http://trek473.4mg.com
http://trek473.gq.nu 77
http://trek473.faithweb.com 7
http://trek473.tvheaven.com 7
http://trek473.htmlplanet.com 88
http://trek473.freehosting.net 8
http://trek473.scriptmania.com 8
http://trek474.freeservers.com 8
http://trek474.8m.com 88
http://trek474.8m.net 8
http://trek474.8k.com 8
http://trek474.4t.com 8
http://trek474.s5.com 8
http://trek474.itgo.com 88
http://trek474.iwarp.com 8
http://trek474.4mg.com 7
http://trek474.gq.nu 7
http://trek474.faithweb.com 77
http://trek474.tvheaven.com 7
http://trek474.htmlplanet.com 7
http://trek474.freehosting.net 7
http://trek474.scriptmania.com 7
http://trek474.freeservers.com 7
http://trek474.8m.com 7
http://trek474.8m.net 77
http://trek474.8k.com 7
http://trek474.4t.com 8
http://trek474.s5.com 8
http://trek474.itgo.com 88
http://trek474.iwarp.com 8
http://trek474.4mg.com 9
http://trek474.gq.nu 9
http://trek474.faithweb.com 9
http://trek474.tvheaven.com 9
http://trek474.htmlplanet.com 9
http://trek474.freehosting.net 9
http://trek474.scriptmania.com 9