REAL ESTATE MORTGAGE SITE

PREMIER REAL ESTATE & MORTGAGE SITE CONCEPT: need this website to be a flash website for real estate and mortgage company name www.premierfinanced.com. We would like most of the feature to be like www.realtor.com to find property, community, lender, renter. Home page will show hot property from U.S.A and Overseas. I would like the look of the TEMPLATE site to be bright and flash just like WWW.REALTOR.COM with music. I would like intro flash to be nice. This site will have both language which is Thais and English. The default will be in English. Search for property information need to come from www.realtor.com. It will need to be integrated with MLS/IDX systems and site that are like www.zillow.com. You can check the following service and understand about the system at http://www.diversesolutions.com/dssearchagent.htm#d16 ABOUT US OUR SERVICES       Money Merger Account 1031 Exchange Investment Home warrantee service Home Inspection Appraisal Service AUCTION – THIS WILL BE LIKE EBAY THAT CUSTOMER CAN BID ON THE PROPERTY AND ABLE TO UPLOAD A PROPERTY PICTURE ON OUR SITE, ONCE AUCTION IS COMPLETE. THE MONEY WILL BE DEDUCTED FOR OUR FEE. EARN MONEY - customer can earn money by referral the client to us. If user find a list of home that we provide and recommended to their family or friends they will commission. User just register their information and the name of their friend or family information and setup appointment with their friend in our secure server then it will advice us then we will contact a buyer. Then our real estates license will do all the job. We will have a video clip to show instruction on how to earn money. www.get1percent.com INSURANCE SERVICE www.prudentialcal.com – Online request , Download form BUY HOME: SEARCH HOME FOR SALE: SEARCH BY CITY, STATE, ZIP, PRICE, BED, BATH ONCE A CUSTOMER FIND A HOME THAT THEY LIKE THEY CAN CLICK ON SUBMIT BUTTON THEN THE EMAIL WILL BE SENT TO US WITH PROPERTY INFORMATION. WE CAN CONTACT THE BUYER TO DISCUSS ON THE SALE. INFORMATION THAT WE GET SHOULD BE AUTOMATICALLY JUST LIKE WWW.REALTOR.COM. ALSO ONCE A CUSTOMER FIND THE HOUSE THAT THEY LIKE THEY CAN CLICK ON CHAT AND ABLE TO CHAT WITH OUR REPRESENTATIVE. SEARCH > ADVANCE SEARCH QUICK SEARCH ( MLS # ) CITY, STATE, ZIP BED: MIN /MAX BATH: MIN / MAX PRICE: MIN / MAX LIVING SPACE SQFT: MIN / MAX LOT SIZE: MIN / MAX FIND PROPERTY FOR ME Customer can leave information about a property that are looking for but filling out information such as year of the property or the property, Price, City, Zip, Bed/bath, Living sq ft, Lot sq ft, close to school, Not on a major street, style of home and etc. Once other listing enter their home listing on the MLS then it will notified us that the following property fit our customer criteria then it will automatically notified our customer with out listing agent name and phone number, but only show our company name and phone number. ALSO IF CUSTOMER CAN NOT FIND A PROPERTY THAT THEY LIKE THEY CAN LEAVE INFORMATION WITH THEIR NAME AND PROPERTY SPECIFICATION ON OUR WEBSITE. IF THE FOLLOWING PROPERTY THAT FIT OUR CUSTOMER CRITERIA BEING UPDATE BY OTHER REALTOR ON THE MLS SYSTEM IT WILL BE AUTOMATICALLY NOTIFY OUR CUSTOMER OF THE FOLLOWING PROPERTY. WHICH IT WILL DELETE LISTING AGENT NAME AND PUT OUR COMPANY NAME AND AGENT ON THE PROPERTY, SO A CUSTOMER CAN ONLY CONTACT US NOT THE LISTING AGENT. EMAIL UPDATES SIGN-UP FORM (Click Here For Details) DETAILS: » Your web users (both known and unknown) can sign-up to receive customized daily email updates from you » A must have lead generator » Today's tech savy IDX clients now expect this feature » Our service will email your clients daily with new listings that match their settings » Set custom criteria by cities or zipcodes, number of beds and baths, price range and square feet, garage, and more » Lot/Land, Multi-Unit, and Mobile Homes property email updates are also available (depending on the data provided by your MLS system) SEARCH > ADVANCE SEARCH> MAP SEARCH CITY, STATE, ZIP BED: MIN /MAX BATH: MIN / MAX PRICE: MIN / MAX LIVING SPACE SQFT: MIN / MAX LOT SIZE: MIN / MAX    NEW PROPERTY- HOME, CONDO, TOWN HOME, MANUFACTURE HOME, SENIOR HOUSING COMMUNITY USED PROPERTY – HOME, CONDO, TOWN HOME, MANUFACTURE HOME, COMMERCIAL, LAND, SENIOR HOUSING COMMUNITY HOME PLAN- NEW HOME, TOWN HOME, COMMERCIAL SELL HOME: Customer can upload picture and price of their home in to our site. Inside the module it need the following form and agreement Do you want premier to be your listing agent ? Yes __ No__ Commission agreement ____ Form: 1003, Listing Agreement, Broker right to represent, customer able to fill in the form though PDF file or print and submit then it will be sent to us. PROPERTY OVERSEAS        NEW PROPERTY- HOME, CONDO, TOWN HOME, MANUFACTURE HOME, LAND EXISTING PROPERTY – HOME, CONDO, TOWN HOME, MANUFACTURE HOME, COMMERCIAL, LAND FORECLOSURE PROPERTY – HOME, CONDO, TOWNHOME, LAND, COMMERCIAL, APARTMENT BUSINESS FOR SALE RENTAL/LEASE HOME PLAN- NEW HOME, TOWN HOME, COMMERCIAL OVERSEAS BANK- TISCO BANK SEARCH: CITY, STATE, ZIP, COUNTRY BED: MIN /MAX BATH: MIN / MAX PRICE: MIN / MAX LIVING SPACE SQFT: MIN / MAX LOT SIZE: MIN / MAX OPEN HOUSE SEARCH - home owner can upload their house for open house by city and zip with date and time. It also will have map that they can key in the zipcode and address. You need to link with a website that provide open house search. HOME VALUE: buyer can click on the link www.homevalue.com search by city, state, zip, but we don’t want customer to go to their site. We need only their home appraisal software BUILDING A NEW HOME:         Thing need to know How to find the right contractor If you looking for construction loan for your project click How to find investor for your project What you need to know about construction loan How to find the right material and buy it at cost How to build house for cheap How to describe either to remodel or build a brand new house HOT PROPERTY > PRE-FORECLOSURE, FORECLOSURE, REO, AND UNDER VALUE PRICE SHOULD ALSO SHOW IN HOME PAGE. FIND A COMMUNITY & NEIGHBORHOOD – SCHOOL REPORTS, CRIME RATE, RETAIL SHOP, INCOME . NEED TO GET ALL THIS FEATURE IN HERE. Get a Home Loan Take advantage of low rates! Choose Loan Category: Enter a ZIP code to learn about an area: Mortgage Find the Best Neighborhoods Select preferences for housing, schools and crime risk. Find Neighborhoods Like Your Own Get suggestions for new areas. Find Neighborhoods Near a Given Address Get ideas for areas near your office, child's day care, etc. Find a Mover Get a Free Moving Quote Select Move Type* : Full Service Move From*: Enter Zip Locate Local Businesses & Save Top 5 Tools Credit Quiz The Salary Calculator® Mortgage Calculator The Relocation Wizard® The School Reports® Find a Neighborhood City Comparison Great Neighborhoods Referrals from Local Moms Coupons for Shops Near Your Home Planning to Relocate? Visit our Great Neighborhoods guide to learn about great places to live in 20 U.S. cities. Choosing a Neighborhood Find a REALTOR®: Not sure where to live? A REALTOR® can help you find the ideal neighborhood. - Select a City - Articles Boom Towns Best and Worst Places to Live Best Cities for Young Adults ESCROW SERVICE – CUSTOMER CAN PUT DEPOSIT ON THE PROPERTY BEFORE BID. EITHER BY CREDIT CARD OR MONEY TRANSFER. TITLE SERVICE fee. customer can check title on about any property with small ECONOMIC NEWS RENTAL  FIND RENTAL FIND SENIOR HOUSING    FIND CORPORATE HOUSING FIND ROOMMATE- customer can key their roommate criteria of whose and personality that they are looking for then other user also key in the same criteria then it will match each other. They can upload picture and personal profile in to our site RENTAL STYLE FIND AGENT- they find realtor in their area. We will be updated on the daily basis FINANCING - Customer can apply for a mortgage through our online application and automatically underwriter . This will have an online application that customer can enter their information in to our site then we will get back to them with preapproval. 1. LOAN PROGRAM:                 CONVENTIONAL CONFORMING NON-CONFORMING LOAN 2ND MORTGAGE LOAN BUSINESS LOAN CONSTRUCTION LOAN OVERSEAS LOAN NO INCOME VERIFICATION LESS DOWN PAYMENT CREDIT PROBLEM 103 % PURCHASE JUMBO LOANS HIGH DEBT RATIO LOANS INVESTOR LOANS FHA MORTGAGE VA MORTGAGE Years you plan to stay in the house 1-3 3-5 5-7 7-10 10+ Loan Programs Advantages Recommended program 3/1 ARM, 1 year ARM or 6 month ARM 5/1 ARM 7/1 ARM 10/1 ARM, 30 year fixed or 15 year fixed 30 year fixed or 15 year fixed Disadvantages Which loan is right for me? Fixed Rate Mortgages 30 year fixed 15 year fixed     Monthly payments are fixed over the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down    Higher interest rate Higher mortgage payments Rate does not drop if interest rates improve Adjustable Rate Mortgages 10/1 ARM 7/1 ARM 3/1 ARM 1 year ARM 6 month ARM 1 month ARM     Lower initial monthly payment Lower payment over a shorter period of time Rates and payments may go down if rates improve May qualify for higher loan amounts    More risk Payments may change over time Potential for high payments if rates go up Balloon Mortgages 7 year 5 year    Lower initial monthly payment Lower payment over a shorter period of time Many balloon mortgages offer the option to convert to a new loan after the initial term.   Risk of rates being higher at the end of the initial fixed period Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option First Time Buyer Programs    Lower down payment Easier to qualify Sometimes you may get lower rate   May be subject to income and property value limitations Some programs which have government subsidies may have a recapture tax if you sell the house too early. Stated Income Programs   Don’t need to verify income Faster approval   Higher rates Higher down payment No point, No fee Programs   No closing costs Less money required to close   Higher rates Higher payments Imperfect Credit Programs   Potential for reestablishing credit if you pay your mortgage on time. When used for debt consolidation, you may be able to reduce your monthly debt payment     Higher rates Terms may not be as favorable Harder to get long term fixed loans Loans may have prepayment penalties Home Equity Line of Credit     You only borrow what you need Pay interest only on what you borrow Flexible access to funds Interest may be tax deductible    Rates can change. The maximum interest rate is normally high. Payments can change Harder to refinance your first mortgage Home Equity Fixed Loan   Fixed payments Interest may be tax deductible   Higher interest rates than on 1 mortgages Harder to refinance your first mortgage st Besides our standard loan programs, we also have a large number of unique programs to serve your needs:      Purchase a house with 5% down Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down. Debt consolidation programs Home Improvement loans Qualify even if you may have been turned down before! top 2. MORTGAGE GLOSSARY 3. REQUIRED DOCUMENT   USA THAILAND 4. LOAN PROCESS TRACK A RATE – Customer can key in the interest rate that they want and once rate drop it will notified the customer. Also customer can check on the index rate and prime rate on a daily basis CAREER    APPLY FOR A JOB click REAL ESTATE LICENSE BECOME OUR INDEPENDENT REP click TOOLS    MARKET CONDITION LOCAL MORTGAGE RATE CHECK YOUR CREDIT FINANCIAL CALCULATOR You can check on this website for calculator that we will need. http://mortgage-x.com/calculators/default.htm    FULLY AMORTIZED INTEREST ONLY OPTION ARM How Much Will Your Monthly Mortgage Payments Be? Lets you determine monthly mortgage payments and see complete amortization tables. { How Amortization Works } How Advantageous Are Extra Payments? By making additional monthly payments you will be able to repay your loan much more quickly. Find out how your monthly, yearly, or one-time prepayments influence the loan term and the interest paid over the life of loan. Make additional 1/12 of monthly payments (a popular 'do-it-yourself' biweekly) or an additional monthly payment once a year. Simple Option ARM Calculator Computes minimum, interest-only and fully amortizing 30-, 15- and 40-year payments. Advanced Option ARM Calculator with Minimum Payment Change Cap Allows you to create a complete option ARM loan amortization table (with standard and neg-am recasts, automatically estimated possible future index changes, various fixed payment periods, interest rate rounding to the nearest 1/8 of one percentage, and more). See what happens if you always select the minimum payment option. { Please see: Using Pay Option ARM Calculator ~ Examples } Which ARM Index Is Better? Can be used as a mortgage (ARM) index comparison tool. Lets you find the right index + margin combination based on the lowest interest cost. Mortgage Pre-Qualifier Mortgage Pre-Qualifier will determine the income required to qualify for the particular loan using the specified qualifying ratios. How Much Can You Borrow? The calculator lets you see how various changes to your income, liabilities, and mortgage terms affect the loan amount you can borrow. Blended Rate Calculator Calculates a first and second mortgage blended rate. Bi-Weeklies 'True bi-weekly' payment calculator Prints yearly amortization tables. With bi-weekly payments, you pay half of the monthly mortgage payment every 2 weeks, rather than the full balance once a month. This is comparable to 13 monthly payments a year, which can result in faster payoff and lower overall interest costs. Another 'true bi-weekly' payment calculator Builds complete bi-weekly amortization tables. True bi-weekly vs standard bi-weekly Shows how much you will save if you calculate interest for two-week intervals and apply the bi-weekly payments less the interest to reduce principal every two weeks, instead of having your money withdrawn from your bank account every two weeks by your lender and making a full mortgage payment once a month plus one additional payment once a year out of a special account, managed by the lender. Complete amortization tables are available. Mortgage-X Recommends: Mortgage Professor's Calculators Extra Payments  Extra Payments Required to Pay Off By a Certain Period For borrowers who want to know how much extra they must pay, above their required monthly payment, to pay off their loan within a specified period. Refinancing    Refinancing Two Mortgages To Lower Costs For borrowers with two mortgages trying to decide whether refinancing into one or two new mortgages will reduce their costs. Refinancing One Mortgage Into Two Mortgages to Lower Costs For borrowers trying to decide whether they should refinance one mortgage into two mortgages to lower costs. Refinancing to Raise Cash or Take Out a Second Mortgage For borrowers with a mortgage who need to raise cash, trying to decide whether they should do a "cash out" refinance or take out a second mortgage. Adjustable Rate Mortgages   Mortgage Payments on Adjustable-Rate Mortgages Without Negative Amortization For borrowers who want to know how the interest rate and monthly payments may change on an adjustable rate mortgage that does not permit negative amortization. Mortgage Payments on Adjustable-Rate Mortgages With Negative Amortization For borrowers who want to know how the interest rate and monthly payments may change on an adjustable rate mortgage that permits negative amortization. Buydowns  Mortgage Payments With Temporary Buydowns For borrowers who want an amortization schedule that shows the lower monthly payments in the early years from setting up a buydown account, and the amount that must be deposited in the account. Compare Loans     Interest Cost on a No-Negative Amortization ARM and a FixedRate Mortgage For borrowers trying to decide whether they should select an adjustable rate mortgage (ARM) without negative amortization or a fixed rate mortgage (FRM) based on the lowest after-tax interest cost. Interest Cost on a Negative Amortization ARM and a Fixed-Rate Mortgage For borrowers trying to decide whether they should select an adjustable rate mortgage (ARM) with negative amortization or a fixed rate mortgage (FRM) based on the lowest after-tax interest cost. Comparing Two Fixed-Rate Mortgages For borrowers trying to decide which of two fixed-rate mortgages they should select based on the lowest after-tax interest cost. Two Mortgages Versus One Larger Mortgage For borrowers trying to decide whether they should take a second mortgage, either to avoid mortgage insurance or to avoid the higher interest rate on a jumbo as opposed to a conforming loan amount. FinanCenter Calculators  What house can I afford? The calculator computes what priced home you can afford depending on the down payment amount and how much you can budget for your monthly payments. How much should I put down? How much will you save over the life of loan if you make a larger down payment. What will my closing costs be? Should I pay points to lower the rate? The calculator helps you decide if it is advantageous to pay a greater points depending on how long you plan to keep the home. How much can I save in taxes? The calculator computes the amount of income taxes you might save due to the ability to deduct mortgage interest on a home loan. Am I better off renting?      Compare different loans  Which is better- 15 or 30 year term? The total cost of each loan for the period of time you will be making payments. The calculations reckon in the amount of equity you've built in the property and the taxes you save due to mortgage interest deductions.   Which is better- fixed or adjustable? Compare the initial monthly payment and the total cost of a fixed rate loan and an ARM for the period of time you will be making payments. Which lender has the better loan? This calculator compares the costs and benefits of two different loan programs considering their rates, discount and origination points, and other closing costs. Refinancing   Am I better off refinancing? The calculator allows you to decide whether or not to refinance taking into account different factors. What will my refinancing costs be? An estimate of the closing costs you might pay when refinancing. Second Mortgages   Should I consolidate debts? How much will you save if you consolidate your existing debts with Home Equity Loan or Home Equity Line of Credit? Should I use a home equity loan instead of an auto loan? The calculator allows to compare the costs and benefits of an auto loan and a home equity loan ARTICLES & TIPS Articles & Tips 100's of pages. We write it to help you, so please read.           Moving Quotes Home Buying Home Selling Freelance Library Hints & Insights Income Taxes Mortgage Credit Articles Glossary Questions & Answers CLASSIFIED AD WEB BOARD CHAT ONLINE FAQ PAYMENT :PAYPAL, CREDIT CARD, MONEY TRANSFER CONTACT US