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Real Estate Loans – Police and Fire Federal Credit Union, real estate loans.#Real #estate #loans


REAL ESTATE LOANS

PFFCU offers a wide variety of options to fit your borrowing needs.

Real Estate Loans

Come to the place you know and TRUST for all your real estate borrowing needs. Whether you need a mortgage to buy your dream home, want to refinance for a lower rate, or want to complete a long-awaited home-improvement project PFFCU is here for you.

PFFCU Real Estate Loans have no application fee and we will lend up to 100% of the appraised value of the property. We offer terrific rates, flexible terms, and a convenient application process. Check out our Member Survey Results to learn what members have to say about our real estate lending process.

Home Purchase

PFFCU s Mortgage Advisors offer personalized service and a commitment to finding the right mortgage for your individual needs.

Mortgage Refinance

PFFCU has two mortgage refinance options to suit your individual needs, our EXPRESS Refi Mortgage and our Traditional Mortgage Refinance.

Home Equity Loans

A PFFCU Home Equity Loan can help you make home improvements, consolidate high-interest debt, or pay for an education. We feature low rates and a variety of terms ranging from 5 to 20 years.

Home Equity Line of Credit

With a PFFCU Home Equity Line of Credit you can borrow up to $600,000 at a rate of prime minus 0.75%. The minimum Annual Percentage Rate that can apply during the term of this Line of Credit is 2.99%.

Real Estate Calculators

Our Real Estate Calculators can help you determine things like your monthly mortgage payment or how much home you can afford.

Real Estate FAQ

Our FAQ page contains answers to commonly asked real estate questions.

Homeowner s Insurance

PFFCU members have access to homeowner s insurance quotes through MEMBERS® Homeowners Insurance from Liberty Mutual.

Mortgage Life and Disability Insurance

PFFCU offers members access to mortgage life insurance and mortgage disability insurance through American General Assurance Company and the plan administrator, First Service Group.

Call Us with Questions

If you have questions or want to apply for a loan over the phone please call us

at 1-800-228-8801 or 215-931-0300.

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ABA Routing #236084285

Police and Fire Federal Credit Union

901 Arch Street, Philadelphia, PA 19107

©2017 Police and Fire Federal Credit Union.


Real Estate News – Home Prices, Mortgages and Loan Calculators, real estate loans.#Real #estate #loans


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Hurricanes could bring another disaster: Foreclosures

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  • Today – s SBA Loan Rates: Commercial Real Estate Loans #get #a #loan


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    Today’s SBA Loan Rates

    Jan. 18, 2011

    We are going to break down the current SBA loan rates. into two categories, 1. on SBA 7a loans and 2. on SBA 504 loans. Both are very different so we will describe what the current rates are separately, and give a brief description of the programs themselves.

    SBA Loan Rates on 7a Loans

    The vast majority of banks tie their 7a loans to Prime Rate, which is currently at 3.25%. The banks margin is normally 2.75%, so the Effective Rate for the borrower is currently at 6%. It is very uncommon in this market for a bank to offer an effective rate less than 6%. Most banks are reluctant to lend, so if they do they are currently maxing out their margin.

    Also, the SBA 7a loan. is used for the purchase or refinance of commercial real estate, business goodwill, equipment, debt consolidation (limited) and working capital. The loan is almost always amortized over 25 years and the rate floats with Prime, adjusting quarterly. Prepayment penalty is 5% year one, 3% year 2, 1% year 3, gone thereafter. Loan amounts can go up to $5,000,000.

    SBA Loan Rates on 504 Loans

    The SBA 504 loan. has two different loans and therefore 2 different rates. The first lien position loan is a conventional bank loan, so its terms and rates vary from one lender to the next. By the most common loan would be a 5 year fixed on either a 20 or 25 year amortization schedule. For example, our 504 loans are tied to the LIBOR 5 Year Swap, which is currently at 2.15%. The margin depends on the financial strength of the borrower as well as the loan size, but the Effective Rate is currently between 5.8% and 6.2%, on a 25 year amortization schedule. Theses loan also come in a 1, 3 or 10 year fixed rates, on a 15, 20 or 25 year amortization schedules.

    The second lien loan is the SBA loan also referred to as the CDC loan, it. s a 20 year fixed loan on a 20 year amortization schedule. The current debenture rate is 5.79%.

    Go here to see the most updated commercial loan rates. including the 504 debenture rates, conventional commercial mortgage and SBA 7a loan rates.


    Real Estate Loans – How to Finance Investment Property #no #credit #check #loans


    #real estate loans
    #

    11 Methods for Financing Investment Properties

    There are lots of ways to get real estate loans or investment property loans – often only limited by your imagination. Here’s a lengthy list of ways to financing investment property.

    This page will provide you with both conventional and unconvential ways to fund your real estate investments. The collapse of bubbles in real estate values is spreading from the US to other parts of the world making potential for bank financing more difficult. Learn some of these unusal techniques to gain an edge in acquiring rental housing when values are low.

    The term “real estate investment loans” usually refers to the bulk of the money used to finance an investment property purchase and assumes you have a cash down payment. But we are going to use the term broadly and include ways to get money if you don’t have cash for a down payment.

    Now, I’m not your parent or your spouse, so I’m not going to nag you. But. if you’re spending more than you make, you need to get your house in order. Create a budget and add a category for savings. Save some money from your paycheck each pay period towards a down payment for your investment properties as well as cash reserves. The weird part about getting loans to fund your ventures, is that the less you need the money, the easier it is to get a loan. So make your finances look better.

    The next step is making sure your credit score is OK. Often called the FICO score, you can find your free credit Score online instantly! Hopefully it’s over 720 or at least 680. If not, here’s how to find out what it is and some suggestions for improving your credit score. Getting real estate loans from financial institutions is nearly impossible without a good FICO score but there are other sources to consider. If your FICO score is lower than 680 look into creative real estate investing ideas.

    One thing to keep in mind is that if you are using a bank for real estate loans, your interest rate and down payment requirements are generally higher. If you are going to rent out your current home and buy a second property to live in you can get a better interest rate .

    Do not lie to the bank and tell them that you are going to live in an investment property.

    This is loan fraud. If you are going to buy a lower priced property and you intend to live in it the bank might be suspicious of loan fraud, since generally people move up, not down, although in these times you could make a case for down sizing. If you buy a home, live in it for two years (best for tax purposes). Then when you rent it out, you are not doing anything illegal or unethical.

    How to Finance Investment Property

    Finding Investment Property Mortgages

    Get Investment Property Loans from Local Banks


    California Attorney Referral, real estate attorney sacramento.#Real #estate #attorney #sacramento


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    Use Our State Bar Certified Lawyer Referral Service

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    Find a Lawyer for the Following Services

    Attorney Search Network is a State Bar

    Certified Lawyer Referral Service (#113).

    Attorney Search Network assists clients in finding pre-screened, qualified, experienced and local Attorneys. Our panel member attorneys are all screened and monitored for legal experience, State Bar Records, Insurance requirements and customer service standards. Attorney Search Network has lawyers with experience in all areas of law to help with our caller’s legal needs.

    Contacts us for a FREE referral. Speak to one of our highly trained legal analysts, to determine what type of attorney is right for your case. If we do not have an attorney to refer for your case, we will help guide you to other organizations that can assist you.

    Prescreened Lawyers, Free Referrals, No Obligation,

    our Staff is standing by. Call Now.

    Attorney Search Network Referrals are Free of Charge. The lawyer will charge their standard rates. Lawyers will provided cost estimates based on individual case details during the consultation. There is no obligation to hire.

    Attorney Search Network is a California State Bar Certified Lawyer Referral and Information Service (certification #113) certified to operate in the following California Counties:

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    Real-time Windows file server auditing and analysis software

    FileAudit Plus is a tool that allows real-time monitoring, reporting, and alerting of all the changes made to files and folders on your Windows file server. Additionally, it provides a detailed analysis of file storage and access attempts. It helps improve data security and information management in your Windows file server environment, so you can meet compliance requirements in a comprehensive yet simple and cost-effective way.

    Highlights

    The Access Audit report provides detailed information on the quintessential Four W’s who accessed what, when, and from where. The Access Analysis report provides a summary view of accesses and changes.

    The File Analysis report helps isolate files that are old, unused, unmodified, large, hidden, or non-business; making data cleanup easier. The Disk Analysis report provides visual insight into disk space usage and trends, facilitating optimization of disk space.

    Detect security breaches as and when they occur with alerts that get emailed instantly. Define threshold limits for mass access events such as malware attacks.

    Examine share and security permissions of files and folders and prevent access exploitation.

    Comply with regulatory mandates through consistent auditing and reporting of the file server environment.

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    Become proactive with real-time file and folder access and change auditing. Continuously monitor and get notified about critical activities.

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    SAP Hotel Management: Serving the hospitality community with integrity, loyalty and qualitySAP Hotel Management #sap #hotel #management: #serving #the #hospitality #community #with #integrity, #loyalty #and #quality. #sap #hotels #specializes #in #hotel #management #of #both #full #service #and #select #service #hotels. #the #need #to #be #selective #in #choosing #a #hotel #management #company #has #never #been #more #important #than #it #is #today. #sap #hotels #provides #real #world #solutions #for #it\’s #owners #and #will #increase #your #hotel\’s #top #line #revenue #and #improve #your #hotel\’s #bottom #line #profit.


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    SAP Hotels specializes in hotel management of both full service and select service hotels. The need to be selective in choosing a hotel management company has never been more important than it is today. SAP Hotels provides real world solutions for its owners that will increase your hotel’s top line revenue and improve your hotel’s bottom line profit.

    SAP Hotels LLC. is deeply rooted in the hospitality industry. Its senior management is comprised of a team of skilled professionals with averaging nearly 75 years of lodging experience. SAP Hotels LLC. upholds long-standing relationships with the industry’s most highly regarded brands.

    SAP does not take a cookie cutter approach to our services and fees. SAP’s executive team will take the time to get to know you the owner and qualify the needs of your hotel. We will then work with you to design a program that will generate results. SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support.

    Our Services

    SAP can perform complete hotel management for your property or just provide, sales and marketing, centralized accounting or cost control support. Read More

    • Day to day operation supervision
    • Establish and monitor business plans
    • Monitor and supervise all personnel matters
    • Implement and monitor purchasing and inventory controls
    • Implement and monitor food and beverage systems
    • Implement and monitor accounting systems including reporting
    • Accounts Receivable and Accounts Payable
    • Prepare, annual forecasts, budgets, and weekly variance analysis
    • Prepare, implement and monitor emergency and guest safety plans
    • Establish preventative maintenance programs
    • Prepare capital improvement schedules
    • Prepare goal-oriented bottom line targets
    • Involve owners in decision-making and in the review of hotel performance

    . Know more about Operations

    • Development of top line budget
    • Annual marketing plan
    • Development of group booking goals
    • Development of locally negotiated account consumption goals
    • Sales solicitation goals
    • Sales performance bonus incentive
    • Creative site tour procedure
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    • Quarterly targeted action plan
    • Sales Blitz coordination
    • Outside sales calls
    • Coordination of property and franchise marketing efforts
    • GDS, internet, print, social media marketing

    . Know more about Sales and Marketing

    • Preparation of annual budget
    • Daily flash report
    • Preparation of monthly financial statements
    • Annual reporting and payments of all state, local and lodging taxes
    • Monitor the annual budgeting process
    • Provide financial results analysis and industry comparisons
    • Provide cash flow monitoring and distributions
    • Perform internal financial audits
    • Provide sales, property and income tax audit support
    • Administer banking relationships
    • Loan negotiations

    . Know more about Finanance

    • Line Level Job Descriptions and Employee Handbook
    • Management/Associate’s search
    • Best Hiring Practices
    • Employee Relations and Retention
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    • Bonus and Incentive Plans
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    • Government Compliance
    • Harassment Free Atmosphere
    • Educational & Leadership Training

    . Know more about Human Resources


    Real Exorcism Videos, Demonic Possession, Haunting, Demon, Scary, Satan #real #exorcism #videos, #demonic #possession, #haunting, #demon, #scary, #satan


    #

    If you want to have all the videos on our site on DVD, please click here !

    Download this video for free in parts in order to upload to YouTube to help and warn our beloved brothers and sisters:
    Part 1 Part 2 Part 3 Part 4

    We need your help! We are spending all the time our expenses among things like websites, webhotels, and giving away free material, dvds and books in order to warn people and tell them the truth. So if you like the material and want to help us—and be yourself a sharer—in saving souls, then please make a donation, pray for us and help us spread it in order to help our beloved brothers and sisters who have not found this information yet. If you have been graced by God with the means to do so, please support our work. Any donation that you can give is highly appreciated and much needed! Help us help our beloved brothers’ and sisters’ souls. Your Support Counts! All for the Glory of God and the salvation of souls! Please click here!
    “And whosoever shall give to drink to one of these little ones a cup of cold water only in the name of a disciple, amen I say to you, he shall not lose his reward.” Matthew 10:42

    If you want to have all the videos on our site on DVD,
    1) send us an e-mail along with your delivery address, by clicking here and
    2) make a donation of $10 (or more if you can please) for 5 DVD discs (all videos on our site) (free shipping worldwide) by clicking here!
    3) Don’t forget to mention your full delivery address with country name included. God Bless You!
    4) If you want to have many copies of any of the films on our site in order to warn family, friends and people and tell them the truth, please donate $1,5/DVD (example 20 DVDs/$30) and tell us which movie title(s) and how many of each title you wish to have. You can also download and burn the videos onto DVD yourself and distribute them in order to minimize cost and time.

    Exorcism and Demonic Possession

    Exorcism (from Late Latin exorcismus —to adjure) is the practice of evicting demons or other evil spiritual entities from a person or place which they are believed to have possessed. The practice is quite ancient and still part of the belief system of many religions. The person performing the exorcism, known as an exorcist, is often a priest, or any individual thought to be graced with special powers or skills. In Christianity, exorcisms are performed in the name of Jesus Christ. A Distinction is made between a formal exorcism, which can only be conducted by a priest during a Baptism or with the permission of a Bishop, and “prayers of deliverance” which can be said by anyone. In general, possessed persons are not regarded as evil in themselves, nor wholly responsible for their actions. (Read more: Exorcism and Demonic Possession Causes, Facts, Deliverance, Prayers, Self-Help )

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    Real Estate Agent Websites – Websites For Realtors #real #estate #webmasters, #real #estate #websites, #real #estate #web #design, #real #estate #website #design


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    Real Estate Agent Websites

    When it comes to real estate websites, we know what matters most. That’s why all of our websites are built to generate more leads, increase ROI, and improve your business.

    We’re dedicated to creating the best real estate sites in the world, and do so by working closely with top producing real estate agents and teams since 2004. We’ve even designed a couple sites in partnership with real estate celebrities Barbara Corcoran (Shark Tank ) and Fredrik Eklund (Million Dollar Listing: New York .)

    We have several responsive, state of the art website designs you can choose from, giving you flexibility to create your perfect site. You can start with one of our premium web designs and modify it, develop a fully custom site designed just for you, or simply hit the ground running with a pre-built masterpiece.

    The Fredrik

    We are proud to announce our business partnership with Fredrik Eklund, star of Bravo’s TV hit show Million Dollar Listing: New York. The result of this co-operation? The ultimate real estate website for superstars looking to brand themselves in a slick, professional manner.

    The Barbara

    We were thrilled to work directly with Barbara Corcoran, real estate mogul and business expert, on a world class website for real estate pros. Together we created The Barbara , a special edition website designed to elevate your business by leveraging industry-leading technology. You can generate more leads than ever before.

    The LEC

    Our Limited Edition Custom (LEC) website was originally created for one of the top brokers in Austin, and is now the best dollar-for-dollar real estate site you can find. We’ve taken our industry experience and our best developers, and created a stunning, performance-focused site that provides top-end IDX search functionality and the utmost in lead capture. The LEC was initially sold as market-exclusive, which means it’s only available in select regions.

    Fully Custom Websites

    We know there’s no business quite like yours, and sometimes you need a website that’s entirely your own. Regardless of your reason for wanting a fully custom real estate website, we’re happy to work with you to find a solution that meets all your needs. And like any of our sites, we’ll back it with our exclusive REW CRM platform and superior lead, content and IDX management technologies. With a fully custom real estate website from REW, anything is possible.

    The Competitive Advantage of REW Websites

    Not all sites are created equal. If you want to increase your leads and maximize your profits and who doesn’t then you need to work with a vendor that specializes in your specific needs. We work exclusively with real estate agents, and we work closely with our Realtor clients to constantly make their jobs easier than ever.

    Here are a few of the competitive advantages of our real estate websites:

    Generate More Leads Than Ever

    Our websites were built for lead generation. Every site we create is meant to be a tool that helps you amplify your success and grow your real estate business. We do this through high-impact landing pages, Calls-To-Action that work, and breathtaking web designs that reflect your high calibre real estate team. We also offer in-house SEO and PPC services, so you can generate new leads alongside the best SEM professionals in the industry.

    Easily Manage Your Leads

    The REW CRM that comes with every REW real estate website was created specifically for real estate lead management. Our CRM is not a one-size-fits solution, because we built it exclusively for real estate teams. Not bankers, or car manufacturers, or tech companies. Our CRM was made for real estate. and that’s how you know your website will be backed by tech that meets your needs.

    By prioritizing the follow-up actions most important to a realtor, REW CRM helps you build genuine relationships with minimal effort. We empower you to reply instantly, create fully custom action plans, setup automated listing emails, and see a lead’s viewing history at a glance and more!

    We make it easy for you to manage all your leads by providing a real estate CRM that’s efficient and powerful, built for your life on the go.

    Connect With Real Estate Experts

    Stuck? We know someone who can help. From our in-house industry experts to our strong online community of top performers and mega-brokers, we have a vast network of real estate professionals who are happy to help you tackle challenges and take your website to the next level.

    And So Much More!

    We find that one of the best ways to see the true competitive advantage of our real estate websites is to experience them for yourself. Contact our team today and we’ll be happy to demo our websites, develop a success plan, and answer any questions you may have.

    Get Your Website Demo

    We would love the opportunity to show you what sets our real estate websites apart from the competition! Simply fill out the form below and one of our product consultants will be in touch to schedule your free demo, and answer any questions you may have.