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 Errold F. Moody Jr

       

FINANCIAL PLANNER

EXPERT WITNESS

INSTRUCTOR

AUTHOR           

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Real Estate

I authored two continuing education courses accepted for credit by the California Department of Real Estate and taught the capstone course for the Certificate program in Investment Real Estate for the University of California at Irvine. I brokered homes, industrial and commercial property as well as completed appraisals, feasibility studies and other consulting work. And though my focus during the last 20 years has been directly in financial planning, real estate still is a major interest of mine. Further, it occupies a major element of many an individual's total assets at least through their own home.

While laws have restricted the real estate losses against ordinary income, shortened the time frame for deferred exchanges, adjusted installment sales and, most notably, lengthened depreciation schedules, real estate will always be one of the cornerstones of America's wealth. Admittedly, it ended up in the doldrums in the late 80's and mid 90's, but the cycle of appreciation came back once the stock market hit a snag. Unfortunately, the cycle has reversed once again- hence the necessity of paying attention to economics.

Please stay current on reverse mortgages. These have major financial repercussions on the elderly and can be very hard for them to understand. Further, the plans are forever changing.

You'll need an HP12C or similar to figure out some PV's.


Daily Mortgage Statistics

The list below includes all articles and specific links in alphabetical order with accompanying description. The listings in the column to the right are separate sections for articles and links

"People are living longer than ever before, a phenomenon undoubtedly made necessary by the 30-year mortgage."

Doug Larson

1031 EXCHANGES:  Exchanges let you defer tax on a REAL ESTATE sale (hardly any other assets qualify for tax deferral upon a sale) until a much later period of time. I did this article for the Arizona Board of Realtors many years ago and it contains a "fool proof" method for determining taxable amount, boot, etc.

1031 EXCHANGE LINK: 1031 exchanges allow property owners to transfer all gain to another property if purchased and closed within a set period of time. This company provides info and acts as an intermediary. As with almost all the links on this site, I do not have personal experience with them so I cannot recommend the competency or quality of their services. But it clearly appears to be worth the visit.

1031 REAL ESTATE EXCHANGE LINK: This is a for profit site but it does have some good info.

APARTMENTS LINK:  A site that lists over 4,000,000 apartments nationally. Should be valuable if you are moving out of area and need an idea of availability and price.

APPRAISAL LINKS: Appraisal Institute

Appraisal Subcommittee of the Federal Financial Institutions Examination Council  provides comprehensive information about the Federal oversight system regarding licensed or certified real estate appraisers and has compiled a list of currently available State appraiser regulatory agency Web sites with e-mail addresses of key personnel along with news on the Appraisal Foundation, the ten formal policy statements regarding State Certification and Licensing of Real Estate Appraisers and more.  

National Association of Real Estate Appraisers                 

BANK LOAN LINK: A good site on bank rates, types and sizes of mortgages, where available, and much more.

BUILDING LINK:  This site by co hosts of a TV show provides some pretty good tips through hundreds of projects so you can fix things and your wife and kids will be proud, your neighbors envious and all the rest of that stuff.

BUYER'S BROKER: So, does you broker work for you or the seller? Surprise!!! These brokers are not available in all areas but it may be worthwhile to seek them out. Independent studies have shown they have saved 5% of the purchase price.

BUYER'S BROKER LINK 1: "REBAC (Real Estate BUYER’S AGENT Council) is North America’s largest association of real estate professionals (23,000) focusing specifically on representing the real estate consumer.

BUYER'S BROKER LINK 2: This is the site for the National Association of Exclusive Buyers Agents. Simply input your city and state and they will identify if an agent serves your area. You can contact them instead of having them contact you (as happens above). Same caveats apply however.  

BUYING A HOME LINK: (HUD)

CALIFORNIA EARTHQUAKE INSURANCE QUOTE LINK: The rates are region-specific and reflect coverage for homeowners (including mobile home owners), apartment or house tenants, and condo owners.

CLOSING COSTS: Most buyers and sellers are confused by the various fees. Here is commentary by Dick LePre on what each item represents.

COMMENTARY: Miscellaneous real estate issues.

COMMERCIAL MORTGAGE GLOSSARY LINK: Very VERY extensive.

COMMERCIAL PROPERTY LINK: Extensive database information on Commercial and Investment properties. Includes national search engine.

COMMUNITY COMPARISON LINK: If you are moving to another community and would like similar demographics, this unique lets you compare lifestyles to see if they match (or to avoid the cretins you have been living next to.)  Quite interesting and useful.

COMMUNITY DEVELOPMENT LINK: Though initially designed for corporate and industrial site selection, the American Community Network  offers detailed profiles of every city, county, and metropolitan area in America . You can find workforce data, annual unemployment rates, check average commute times, search for quality of life factors, temperature ranges, and much, much more.

COMMUNITY PROPERTY VS JOINT TENANCY:Specific reference to community property in California and similar community property states. If you are married and own a home, bet at least 50% of you own a home as joint tenants. WRONG!

COMPARATIVE INVESTMENT ANALYSIS: One of the best and simplest ways I have found to analyze a real estate property and I think it should be done on every purchase. Properly done, you can take the results and compare it against almost all other real estate or other investments and see which one is better. You'll need a calculator. Also contains some current commentary on real estate.

CONTRACTORS: Things to look for when hiring a contractor. First thing is proper licensing.

COUNSELORS OF REAL ESTATE LINK: Home page for those that offer advice on many areas of real estate. They must have education and experience.

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) LINK:  The government provides information about mortgages, lenders, homes for sale and much more.

DO IT YOURSELF LINK:  Tons of information to screw up your weekend with stuff  that needs fixing. Lots of links to commercial sites with products- but overall offers some good insight.

DOWN PAYMENT: With a little work, you can determine how much to put down, whether to refinance, etc.

EARTHQUAKE INSURANCE: Commentary on what you should look for and how it works.

EARTHQUAKE INSURANCE LINK: The EQE International's HomeRisk website is where California homeowners can obtain an online earthquake risk assessment.  The assessments provide an EQE Seismic Risk Rating- low, average, high risk- for an individual structure and represents a measure of "earthquake fitness" for that building type at the shaking intensity expected on the soil mapped at that site, and at the specific distance of the site from the known active faults in the vicinity.

ECONOMIC MAP LINK:  A map of the U.S. colored to show which areas should surpass/lag the overall job and economic growth. Very interesting and illuminating. Go to front page- click Wylies Map.

ENERGY SAVINGS LINK: This site allows you to do an online checkup on your home or business to see what savings might be made. Unique

ENVIRONMENTAL MAPS LINK: These maps provided teh location, type and performance of HUD-funded activities in every neighborhood across the country; and select EPA information on brownfields, hazardous wastes, air pollution and waste water discharges.

ENVIRONMENTAL PROTECTION AGENCY LINK: You might find the site valuable when checking out problem areas where you live or might move to. Lots of other valuable info.

ESCROW GLOSSARY LINK:  

ESCROW QUESTIONS LINK: Good info by an author of a book on escrow

EVICTION LAW LINK:

EXISTING HOME SALES LINK:  pdf from Ed Yardeni

FEDERAL NATIONAL MORTGAGE ASSOCIATION (FANNIE MAE) LINK: Similar to the HUD page, it provides information, commentary and links to all sorts of real estate activities.

FHA MORTGAGE LIMITS LINK:  Just put in your county and state

FICO SCORES LINK: Scores from 300 to 900 show how much of a mortgage you will get and how much you will pay. This site shows you your own FICO score and what factors influence it.

FINANCE, INSURANCE, and REAL ESTATE LINKS:  The finance department of Louisiana State University has provided an exceptional list of links to all sorts of investment areas. Good Stuff

FLOOD INSURANCE: Many people mistakenly think that a homeowner's policy covers for flood damage. WRONG! Lots of other comments including approximate policy premiums.

FLOOD INSURANCE LINK: Good overview on many aspects of flood insurance.

FOR SALE BY OWNER LINK:  A new site that list homes for without agents. Between this and the NAR site below, you might be able to get an idea of what is available in a particular area of the country. I think this site will grow tremendously.

Gay Real Estate Directory LINK   I am not sure this is really necessary because competency comes first, but ...................

GINNIE MAE LINK: Ginnie Mae facilitates an  efficient secondary market activities for federally insured or guaranteed mortgages by selling them on the open market. But as an investor, you still need to know that these are very difficult investments to understand and utilize. The government does guarantee against default- but it does not guarantee your principal investment from fluctuation due to interest rate changes. See also GNMA's below. 

GLOSSARY OF REAL ESTATE TERMS LINK:  Large in scope but somewhat limited in detail, it still should give you a good start to the understanding of basic real estate terms.

GNMA'S: Government National Mortgage Association Passthroughs and other agency issues do have some form of backing by the U.S. government if the mortgages default. That's how and why they get sold. But the underlying risks and lack of understanding of the unlimited calls make these far from conservative investments.

HOME APPRECIATION: Just a simple table showing the appreciation over the past 20 years in different time increments.

HOMEBUILDER LINK: Looking to buy a new home??? This is the largest new home site on the Web with over 100,000 builder listings. It has a customized search for each city.

HOMEBUYER'S KIT LINK: A Department of Housing and Urban Development has a site for buyer's that includes info on your legal rights, if you wonder about your legal rights, the size of mortgage you can afford, how to choose an agent, and more.

HOME IMPROVEMENT LINK 1:      

HOME IMPROVEMENT LINK 2:

HOME IMPROVEMENT LINKS :

Home Repair Projects    

Home Improvement Outdoor Projects

Due to the substantial increase in home improvement construction during the last 10 years and the fact that many homeowners don't check out their contractors properly, even don't get written contracts, etc., I thought these sites would be useful. They also provide design tips and more.

HOME LINK :  This site has an extensive amount of information on all aspects of home buying, selling, home searches, agent contacts, relocation information and much more. I will repeat again however, do NOT use anyone mentioned simply because they are on the WEB. Check out all licensees with state licensing departments, Better business Bureau, etc. As stated elsewhere, you need to do a lot of homework before using anyone for investments- the same criteria exists here- maybe more so since the purchase of a home is apt to be the largest you will ever make.

HOME LINK 2: All sorts of info on making your home livable.

HOME INSPECTOR DIRECTORY LINK:  The American Home Inspector Directory includes members of the American Society of Home Inspectors (ASHI), National Association of Home Inspectors (NAHI), Independent Home Inspectors of North America (IHINA), National Association of Certified Home Inspectors(NACHI), and other valuable inspector associations.

HOME MODIFICATION FOR THE ELDERLY LINK: "Home Modification and Repair includes adaptations to homes that can make it easier and safer to carry out activities such as bathing, cooking, and climbing stairs and alterations to the physical structure of the home to improve its overall safety and condition."

HOMEOWNER'S CLAIMS LINK:  Good consumer's info on Where To Begin, What To Look Out For, When To Settle and How To Protect Your Rights

HOMEOWNERS INSURANCE: Basic commentary on what to look for including the different HO policies.

HOME PRICE CHECK LINK: Find the price of a singular home, homes on a particular street or homes within a certain price range in a particular city. Invaluable info when buying or selling a home.

HOME PRICE LINK: Excellent statistical info on houses going back 20+ years.

HOME PRICES AND RENTS LINK:  pdf from Ed Yardeni. Good economic data

HOME WARRANTY LINK:  When selling a home, one of the "best" marketing tools is to offer a home warranty. It may protect the buyer from certain repairs needed later on. Couple this with a good home inspection, and it may allay many purchaser fears.The article reviews the pros and cons and offers some valuable insight now that this market has matured.

HOUSING STATISTICS LINK 1: "Housing and Household Statistics from the Census Bureau". Once again the government has come up with a fine site with information on disability, health insurance, income, labor force, vacancy factors, residential segregation, housing affordability and much, much more

HOUSING STATISTICS LINK 2:"Maintained by the U.S. Department of Housing and Urban Development's Office of Policy Development and Research, this site is the primary source for federal government reports on housing policy and programs, building technology, economic development, urban planning, and other housing-related topics. If you're looking for hard data, click on "data sets" from the home page to access various databases, including the American Housing Survey (AHS). The AHS can answer many questions about U.S. consumers and their homes."

HUD SENIOR LINK: The Department of Housing and Urban Development has set up a site specifically referencing issues for seniors.

IMPROVEMENTS:  (Marshall and Swift) Here are some improvement costs for a typical home and the life expectancies. Very useful

INTEREST RATE  MOVEMENT: See Stochastic analysis below

INTERNATIONAL REAL ESTATE DIGEST LINK: The page links to sites all over the world, has homebuying tips, recent legislation and more.

LANDLORD TENANT STATUTES LINK: Landlord Tenant Statutes by State

LAND TRUST LINK: The Land Trust Alliance promotes voluntary land conservation and strengthens the land trust movement by providing the leadership, information, skills and resources land trusts need to conserve land for the benefit of communities and natural systems.

LOAN AMORTIZATION LINK: The site allows you to take a loan, adjust it by changing payments to interest only, adda payment, pay off loan in  "x" months, make one added payment, etc. and see the repercussions.

LOAN COMPARISON LINK: This site allows you to analyze up to five different loans to see which one would cost you less over time. Very worthwhile

MOBILE HOME PARK LINK: . The site contains info on all areas of mobile home parks, appraisals, sales, listing, etc.

MOLD LINK: One of the worst problems addressing real estate nationally. Worse than even asbestos 

MORTGAGES: Lots of commentary on different types of mortgages, ratios, etc.

MORTGAGE LINK:  All sorts of articles covering types of loans, processing, refinancing etc.

MORTGAGE BANKING LIBRARY LINK: This site by a law firm that specializes in mortgage banking. It provides a compendium of sites related to federal and state law and reference material related to the mortgage industry.

MORTGAGE CALCULATOR LINK:  A page offered by Fannie Mae that lets you figure out how much home you could afford under different scenarios, what you could refinance for, various lenders, etc. See also Credit Report Link above

MORTGAGE DICTIONARY LINK;  Abbreviated comments generally for the novice.

MORTGAGE GLOSSARY LINK:  

MORTGAGE INFORMATION LINK 1: This is an information site that has over 150 articles on credit reports, refinancing, FHA and VA loans, title insurance and a whole lot more. Should help you with an overall review of real estate. Then look to info and links on this page for more details.

MORTGAGE INFORMATION LINK 2: Huge amount of info on literally every element of lending. Highly recommended

MORTGAGE STATISTICS LINK:   Mortgage Statistics analyzes data, trends and market research that supports mortgage finance and investment professionals

MOVING COSTS LINK: You can get an estimate of how much a house move might cost.

MOVING LINK 1: This excellent site has information on schools, maps of an area, average price of homes and a lot more.

MOVING LINK 2: the American Moving and Storage Association has a site that's packed with resources including a moving planner, tips on dealing with problems and an interactive locator.

NATIONAL ASSOCIATION OF REAL ESTATE INVESTMENT TRUSTS (REIT's) LINK: You really need to know what they are, how they work, etc. since the use of REIT's and mutual funds using REIT's is a major consideration in investments and asset allocation.

NATIONAL ASSOCIATION OF REALTORS LINK: Home page for the major organization of Realtors. Has tips on ownership and over 840,000 homes listed across the U.S. which you can get information about.

NEIGHBORHOOD CENSUS LINK: This first goes to the FFIEC (Federal Financial Institutions Examinations Council- I have no idea what it is) Geocoding Sampler  where you put in your address to get a certain coding for the area. By pressing another button, you then get census demographics about your neighborhood- or the one you are considering- income, populations, number of owner occupied and rental units, etc. Good stuff if you are considering a move.

PARTNERSHIP VALUATION LINK:  SPAR - Specialists in privately-held, non-traded assets, including closely-held stock, limited partnerships, Etc.

PETS AND LANDLORD LINK: If all rental housing units permitted pets, approximately 6.5 million animals could be placed in homes. But this is a contentious issue and here is some commentary that might help the situation 

PRIVATE MORTGAGE INSURANCE:  You do not have to be stuck with PMI forever and this article from Dick LePre will give you the insight as to what to do to get it canceled.

PRIVATE MORTGAGE INSURANCE LINK: The site addresses what it is, how much it costs, when it has to be used, how to get rid of it and more.  and the tHE SITE ADDRESSES WHAT IT DOES, HOW MUCH IT COSTS

PROPERTY INSPECTORS LINK 1: You should at least use an inspector that has a contractors license. This site provides extensive info on who you should use and the associated credentials, a library of terms and other articles of interest. Look at this site before you buy a home

PROPERTY INSPECTORS LINK 2: "The American Society of Home Inspectors® is the national professional organization of home inspectors who have met professional and educational requirements through an exam and membership review process." They are independent since they are "not allowed to actively engage in real estate sales or to have a financial interest in the sale or maintenance of any property that they inspect."

PROPERTY MANAGEMENT LINK:  This goes to the site for the National Association of Residential Property Managers which specializes in managing houses, duplexes, etc.

PROPERTY MANAGEMENT GLOSSARY LINK:

PROPERTY SALES INFORMATION LINK:  This free Home Sales site lets you view the sales prices of homes in specific areas. It doesn't include detailed data that is offered with fee sites, but just put in your zip code and you are apt to find extensive listings of sales prices in your immediate that you can use for comparison purposes.

PROPERTY VALUATIONS LINK: Some reports free- others small fee. May help you decide how much insurance to buy. Probably worth the $15 to $20 since most homes are underinsured. As many as 67% of Americans are underinsured by 25% or more!

PUBLIC HOUSING LINK:  The Public Housing Authorities Directors Association (PHADA) is a professional trade association representing local housing authorities from across America. Lots of info if you are involved as a professional or consumer

REAL ESTATE GLOSSARY LINK: Take a guess

REAL ESTATE GLOSSARY LINK: Very Extensive

REAL ESTATE INSPECTOR LINK: Enter your zip code and find an inspector through the American Society of Home Inspectors

REAL ESTATE NEWS LINK: Tons of current commercial, residential and consumer news on all the issues of real estate. If you are a professional the field or just need info on mortgages, REIT's, office buildings- the entire gamut- take a look.

REAL ESTATE PRODUCTS LINK: Thousands of products, tools and info on building plans, contractors, remodelers and more.

REAL ESTATE SOFTWARE LINK: Many programs are free

REAL ESTATE TENANCY IN COMMON LINK:  Characterization of tenancy in common as a partnership for income tax purposes.

REAL ESTATE TRENDS LINK: Coverage includes the residential and commercial markets, regional trends, and an overview of real estate trends.

REIT RETURNS LINK:  An extensive research article by TIAA (pdf)

RENTERS INSURANCE LINK: Basic info from the Ohio Insurance Department

REPAIR LINK: Want to know how things work and (possibly) how to fix them. This site has commentary on just about anything around the house AND the house itself. So the next time your husband tries to fix something, check this out and give him tips while he is doing it. It will provide lots of laughs and improve marital harmony.

REIT GLOSSARY: Real Estate Investment Trusts have a unique terminology.

RELOCATION LINK:  Moving? Well, this site has 30,00 links to all the info you could use. "The largest independent relocation search directory online."

REMODELING LINK brought to you by the National Association of Home Builders Remodelers Council 

RENOVATION LINK: The National Renovation Lenders Association is a network of banks, thrifts, mortgage bankers, credit unions, mortgage brokers, and allied professionals who offer loan products to finance the purchase and renovation, renovation and finance, or renovation only of one- to four-family homes.

RENTERS INSURANCE LINK: Good overview article on what to look for, coverage, discounts, glossary, etc.

REPAIR COST LINK: This site provides a range of costs for different types of real estate repairs- foundation, roof, attic, plumbing, exterior, etc. I realize that prices vary tremendously across the U.S., but I think it is a good place to start when you are wondering just how big the bill will be.

REVERSE EQUITY GLOSSARY LINK: (AARP)

REVERSE MORTGAGE LINK:1 "The National Center for Home Equity Conversion is an independent, nonprofit organization established to educate consumers about reverse mortgages. It offers guidance, disclosures, calculators, standards and more. A calculator allows you to put in your age, value of your home, location, etc. and you can get an estimate of much of a loan you may be entitled to. Reverse mortgages are fraught with inflated and fraudulent claims and fees and you MUST review this site in order to get the proper insight.

REVERSE MORTGAGE LINK 2: Though this is a commercial site, it contained material not offered in the above and is certainly worthwhile reviewing before attempting to file for a reverse mortgage. These are not cheap, easy nor as beneficial as many publicize. Basically, they represent people who may have never planned properly for retirement but at least own a home with significant equity.

REVERSE MORTGAGE LINK 3: Extensive info from AARP.

REVERSE MORTGAGE CALCULATOR LINK: If you are 62 or older, just enter some basic info (home value, zip code, etc.) and you can get a rough estimate how much money you could get.

REVERSE MORTGAGE CALCULATOR LINK 2

REVERSE MORTGAGE CALCULATOR LINK 3 It may seem that all three calculators should provide the same "answers". Never assume this- try all as part of your analysis.

REVERSE MORTGAGES: If you are elderly, own a home and most of the mortgage is paid off, you may be able to take out the equity WHILE YOU ARE LIVING IN THE HOME. But you better do a lot of homework beforehand since some companies are scam artists charging outlandish fees.

ROOF LINK: Need help with a leaking roof, choosing a roof contractor or for other questions, take a look.

SECURITY DEPOSIT SUMMARY LINK:

SELLING A HOME: A few tips on what to do to make your house more presentable. Remember, first impressions DO count- even if they appear to be simplistic- and can mean thousands of extra dollars. Also shows what consumers/homebuyers are looking for.

STATE PROPERTY STATUTE LINK:

STOCHASTIC LONG BOND LINK: See below

STOCHASTIC ANALYSIS: An "understanding" of the stomaster by author Jim Grauer. This is difficult reading of highly technical material regarding the movement of interest rates. You need to read this before attempting to view his site above (though the commentary here is offered in more extensive pdf format at this site). Very interesting and thought provoking 

TENANT LINK: Online resource for residential tenants rights. See also Landlord and Tenant

TERMITE LINK: Have bugs in your home? This extensive article on termites  from the University of Kentucky College of Agriculture should provide all you need to know about the pesky little buggers.

TIMESHARES LINK: Classified ads across the world for people selling their units. I have used these myself many years ago. They are NOT investments but vacation units that you can use in different areas of the world. Just be sure to get on the right trading system. Also watch your maintenance costs- they can eat you up and cost more than the vacation would have outright. These can work, but you have to be careful. 

TITLE 1 LINK: This HUD program "suggests"  you work only with a HUD-approved Title 1 lender. This allows you to select the contractor and helps to prevent inflated estimates that only increase costs.

TITLE INSURANCE ARTICLE: Literally everyone needs this when buying property and this should give you some insight.

TITLE INSURANCE LINK1: Good article from an Eastern Better Business Bureau on the needs, costs, coverage, etc. of title insurance.

TITLE INSURANCE LINK2: This site by First American shows over 77 ways one could lose a property. Clearly makes the issue for the use of title insurance

URBAN LAND INSTITUTE LINK:  This is the premier organization on the use of land in order to enhance the total environment. Extensive articles and information

 WATER AND CLIMATE LINK:  At the Climate Center visitors can get a better idea of how they'll fare in winter, whether spring runoff will be a killer or if there are dry days ahead. Good to know if you are thinking about moving to a new area- or from a bad one.

WATER DAMAGE LINK: General comments on coverage by a policy

WOODWORKING LINK: The largest, most comprehensive directory of woodworking spots both on and off the web

Consumer links

REAL ESTATE BOOK STORE


ARTICLES

1031 EXCHANGES

BUYER'S BROKER

CLOSING COSTS

COMMENTARY

COMMUNITY PROPERTY VS JOINT TENANCY

COMPARATIVE INVESTMENT ANALYSIS

CONTRACTORS

DOWN PAYMENT

EARTHQUAKE INSURANCE

FLOOD INSURANCE

HOMEOWNERS INSURANCE

GNMA'S

HOME APPRECIATION

IMPROVEMENTS

MORTGAGES

PRIVATE MORTGAGE INSURANCE

REIT GLOSSARY

REVERSE MORTGAGES

SELLING A HOME

STOCHASTIC ANALYSIS

TITLE INSURANCE

LINKS

1031 EXCHANGE

1031 EXCHANGE

APARTMENTS

APPRAISAL LINKS: Appraisal Institute

Appraisal Subcommittee of the Federal Financial Institutions Examination Council

National Association of Real Estate Appraisers   

BANK LOAN

BUILDING  

BUYER'S BROKER 1

BUYER'S BROKER 2

BUYING A HOME

CALIFORNIA EARTHQUAKE INSURANCE

COMMERCIAL MORTGAGE GLOSSARY

COMMERCIAL PROPERTY

COMMUNITY COMPARISON

COUNSELORS OF REAL ESTATE

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)

DO IT YOURSELF

EARTHQUAKE INSURANCE

ECONOMIC MAP

ENERGY SAVINGS

ENVIRONMENTAL MAPS

ENVIRONMENTAL PROTECTION AGENCY

ESCROW GLOSSARY

ESCROW QUESTIONS

EVICTION LAW

EXISTING HOME SALES

FEDERAL NATIONAL MORTGAGE ASSOCIATION (FANNIE MAE)  

FHA MORTGAGE LIMITS

FICO SCORES 

FINANCE, INSURANCE, and REAL ESTATE

FLOOD INSURANCE

FOR SALE BY OWNER

Gay Real Estate Directory 

GINNIE MAE

GLOSSARY OF REAL ESTATE TERMS

HOMEBUILDER

HOMEBUYER'S KIT

HOME IMPROVEMENT 1 

HOME IMPROVEMENT 2

Home Repair Projects   
 

Home Improvement Outdoor Projects

HOME

HOME 2:

HOME INSPECTOR DIRECTORY

HOME MODIFICATION FOR THE ELDERLY

HOMEOWNER'S CLAIMS

HOME PRICE CHECK

HOME PRICE

HOME WARRANTY

HOUSING STATISTICS 1 

HOUSING STATISTICS 2 

HUD SENIOR

INTERNATIONAL REAL ESTATE DIGEST

LANDLORD TENANT STATUTES

LAND TRUST

LOAN AMORTIZATION

LOAN COMPARISON

MOBILE HOME PARKS

MOLD

MORTGAGE

MORTGAGE BANKING LIBRARY

MORTGAGE CALCULATOR

MORTGAGE DICTIONARY

MORTGAGE STATISTICS

HOME PRICES AND RENTS

MORTGAGE GLOSSARY

MORTGAGE INFORMATION 1

MORTGAGE INFORMATION 2 

MOVING COSTS

MOVING 1

MOVING 2 

NATIONAL ASSOCIATION OF REAL ESTATE INVESTMENT TRUSTS (REIT's)

NATIONAL ASSOCIATION OF REALTORS

NEIGHBORHOOD CENSUS

PARTNERSHIP VALUATION

PETS AND LANDLORD

PRIVATE MORTGAGE INSURANCE

PROPERTY INSPECTORS

PROPERTY INSPECTORS 2

PROPERTY MANAGEMENT

PROPERTY MANAGEMENT GLOSSARY

PROPERTY SALES INFORMATION

PROPERTY VALUATIONS

PUBLIC HOUSING

REAL ESTATE GLOSSARY

REAL ESTATE GLOSSARY 2

REAL ESTATE INSPECTOR

REAL ESTATE NEWS

REAL ESTATE PRODUCTS

REAL ESTATE SOFTWARE

REAL ESTATE TENANCY IN COMMON

REAL ESTATE TRENDS

REIT RETURNS

RELOCATION

REMODELING

RENOVATION

RENTERS INSURANCE 2 

REPAIR COST

REPAIRS

REVERSE EQUITY GLOSSARY

REVERSE MORTGAGE 1

REVERSE MORTGAGE 2

REVERSE MORTGAGE  3

REVERSE MORTGAGE CALCULATOR

REVERSE MORTGAGE CALCULATOR 2

REVERSE MORTGAGE CALCULATOR 3

ROOF

SECURITY DEPOSIT

STATE PROPERTY STATUTES

STOCHASTIC LONG BOND

TENANT

TERMITES

TIMESHARES  

TITLE 1

TITLE INSURANCE 1

TITLE INSURANCE 2

URBAN LAND INSTITUTE

WATER AND CLIMATE

WATER DAMAGE

WOODWORKING

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