Real Estate, Homes for Sale, REALTOR (R) Agents, Houses Nationwide: HomeGain

<body> <p> Home • My HomeGain Control Center • Help Find a REALTOR® Find a Home Get Home Prices Mortgage Center Resource Center Member Name Password Choose a HomeGain agent and: • Receive over $500 in home discounts. • Enter to win $15,000! See More... Find & Compare REALTORS® — It's Free! Home sellers and buyers: Find a REALTOR®. Selecting the right real estate agent is no longer a gamble. Find and compare REALTORS® all over the U.S. Use our screening service to help you get the best home purchase or sale deal for you. Get the facts: Compare prospective real estate agents' backgrounds, experience, sales commission rates, and more. See Sample Compare proposals: Choose among a selection of top-performing local real estate agents from brand-name brokerages. See Sample Remain anonymous: You remain anonymous throughout your REALTOR® search. No obligation, no pressure. Sellers Enter the zip code of the home you wish to sell: Buyers Enter the zip code of the area you wish to buy: Find a REALTOR® • Find a Home • Get Home Prices • Mortgage Center • Resource Center REALTORS® Join Here • Sitemap • Advertise • Affiliate Program • Newsroom About HomeGain • Privacy Policy • Terms of Use • Fair Housing If It’s For Sale, It’s on HomeGain If you’re looking for the most complete list of local homes for sale, you’ll find it on HomeGain. • See the most current list of existing homes on the market (MLS) and customize your home search to meet your specific needs. Receive FREE email updates when new homes hit the market. • Or, see new homes from America’s premier builders or foreclosure homes for sale. Click a State to see available local markets, then choose an area to search. Or, select a State from the list below: 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, Washington, D.C., West Virginia, Wisconsin, Wyoming Find a REALTOR® • Find a Home • Get Home Prices • Mortgage Center • Resource Center REALTORS® Join Here • Sitemap • Advertise • Affiliate Program • Newsroom About HomeGain • Privacy Policy • Terms of Use • Fair Housing Home • My HomeGain Control Center • Help Find a REALTOR® Find a Home Get Home Prices Mortgage Center Resource Center Member Name Password Home Loan Mortgage Center Tap into the depth of home loan and mortgage resources offered by Bank of America. Get access to home loans, refinancing, and home equity loans and lines of credit. Get a Mortgage Get a custom rate quote and get pre-qualified for a mortgage in just minutes. Refinance Get a better rate and reduce your monthly payments or your overall loan costs. Use Your Home Equity Consolidate debt, pay college loans, make home improvements, or buy a car with a loan or line of credit. Apply By Phone 1-866-716-0628 It is quick and easy to apply by phone. Call a friendly Bank of America loan specialist at 1-866-716-0628 or apply online and you may get a lower rate. Equal Housing Lender Rates Apr. 02, 05:51 AM PST Mortgages Rate Points APR 30-year fixed 6.000% 0.255 6.073% 15-year fixed 5.250% 0.091 5.331% 5-year ARM 4.750% 0.090 4.075% 1-year ARM 3.875% 0.165 3.698% Assumptions Home Equity Get rates for home equity loans and lines of credit Learning Center Get answers to your general home buying questions. Calculators Tips Frequently asked questions Assumptions We made certain assumptions in generating the rates you see. Fixed-rate and adjustable-rate mortgages: Assumptions Up to $300,700 Loan amount $150,000 Loan-to-value (LTV) 80% Loan purpose Purchase Property use Owner-occupied Lien position First Property type Single-family residence (1-4 units) Prepayment penalty No Rate lock valid for 60 days The following additional disclosures apply: • The Annual Percentage Rate (APR) is based on representative loan amount for stated term* and includes points listed. • Points include any origination and discount fees. • These special rates are only available when you prequalify online and are not guaranteed until lock-in. • Rates and terms are subject to change without notice. Interest rates assume credit history in good standing. • All loan applications subject to credit and property approval. Flood and/or property hazard insurance may be required. Additional fees and closing costs apply. • For adjustable-rate mortgages, rates are subject to increase after the initial fixed-rate period. • Assumes no subordinate financing. • Maximum loan limits and minimum equity/down payment requirements apply. • Other restrictions may apply. • Additional rates and programs are available. * Representative example for loan terms: A loan of $200,000 with a 7.500% APR would have the following payments with the following terms: • 15-year mortgage would have 180 monthly payments of $1,854 each. • 20-year mortgage would have 240 monthly payments of $1,611 each. • 30-year mortgage would have 360 monthly payments of $1,398 each. Amounts may be rounded up. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR. Home Moving Center Home Buying and Selling Tools Save 10% on your next one way move with Budget Truck Rental when you book online. Free tools to make important home buying and selling decisions. Credit Center Real Estate Library & Glossary Get a FREE credit report, check your credit, or use the Credit Analyzer. Articles and FAQs on getting started, money and taxes, home transactions, and more. Home Sale Maximizer Home Improvement Find out which home improvements will add the most to your home's sale price. Tools and services for do-it-yourselfers or those looking for someone to help. HomeGain Moving Center Moving and relocation does not have to be stressful. Go with Budget Truck Rental to get great trucks, prices, and service. Check out the helpful tools below, or click here to get a free truck rental quote. Free Moving Quotes Nearest Budget Locations Truck Specifications Load and Unload Service Boxes and Moving Supplies Calculator Moving Tips Pick up (City, State): AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY or zip code Drop Off: Same as Pick Up AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY or zip code Date of Rental: 123456789101112/12345678910111213141516171819202122232425262728293031/200320042005 Length of Local Rental: 2 hours4 hours6 hours8 hours1 day2 days3 days4 days5 days6 days7 days Truck Size: Cargo Van10' 1 bedroom15' 2-3 bedrooms24' 3-4 bedrooms Enter your email:* *required field Email me reminders HomeGain Library and Glossary Real Estate Glossary HomeGain's library has the information you need to ensure that your home purchase or sale is a success! Extensive articles by America's best real estate writers and a useful glossary put you in control and help simplify home selling and buying. Seller Resources Topics • Listing/Pricing • Marketing • The Transaction FAQs • Your Real Estate Agent • Home Valuation • Selling Strategies • Money and Taxes • Other Common Questions Buyer Resources Topics • Getting Started • Buying Strategies • Money and Taxes • After the Purchase FAQs • Getting Started • Home Valuation • Buying Strategies • Financing • Taxes • Other Common Questions Other Articles for Buyers & Sellers • What Are the Hidden Costs of Home Ownership? • If You Move Yourself • Purchase Contract Basics • What Are Closing Costs and Who Pays For Them? • 3 Simple Steps to Successfully Selecting an Agent • Tips on Finding a Home Protection Plan About HomeGain Our Business HomeGain's mission is to provide an honest and informative resource to help homeowners navigate the home selling and buying process. HomeGain focuses on three primary areas: finding out what your current or future home is worth; preparing your home for sale; and finding the right real estate agent. We strive to create an innovative and efficient channel for homeowners and buyers to connect with qualified real estate agents while preserving their privacy and control. Our Philosophy History Agents on HomeGain Products and Services Our Philosophy The HomeGain foundation is built upon honest communication between all of our participants. Our guidelines and operations are based upon four basic values. We believe the best real estate services can be found on an open platform, and that an honest, unbiased environment can improve the real estate experience. We believe consumers should have control over their home selling or buying decisions and that choice is essential for a service that promises fair and open competition for services. We recognize and respect the role qualified real estate agents play in the transaction. We recognize that there are many choices when it comes to real estate services and we believe consumers should be informed of all possibilities. HomeGain is committed to these values and believes that HomeGain participants should honor these values as well -- whether buying, selling or discussing real estate. >>Back to Top History Launched in April 1999, HomeGain was created to meet the needs of home sellers previously not serviced by the Web. We developed a site that offers unique tools, checklists, calculators, powerful editorial and personalized advice to help homeowners make the most of their home-selling experience. Our core offering, unique on the web, is the ability for home sellers to screen and identify qualified, competitive real estate agents. The success of our product offering led us to expand this to home buyers. The result is a comprehensive online service for both homeowners and real estate agents designed to facilitate a homeowner's transactions while saving valuable time and resources. HomeGain is an independent Delaware corporation. >>Back to Top Agents on HomeGain HomeGain real estate agents include many of the nation's top producing real estate sales professionals. Accomplishments of our agents include: 16 home sales per year versus national average of 6; $2.95 million annual sales volume versus national avg. of $770,000; $218,000 average transaction versus national avg. of $128,000; 100 percent use the Web weekly versus national avg. of 70 percent; 54 percent hold college degrees versus national avg. of 43 percent. REALTORS®, who are members of HomeGain, are required to be members of the National Association of REALTORS®, the world's largest professional trade organization, and are required to subscribe to its strict Code of Ethics. More than 1200 real estate brands are represented on HomeGain, including all six major national real estate brokerage firms. With over 17,000 ZIP codes registered, the agents on HomeGain represent many of the leading real estate professionals in every major metropolitan market. Additionally, HomeGain real estate agents have made a commitment to technology and the technology tools that are shaping today's home buying and selling process. HomeGain agents provide rich background information to consumers, including credentials, performance and expertise in a dynamic proposal process that isn't found anywhere else on the web. At HomeGain, agents understand the power of information and the value of working with an educated consumer. >>Back to Top Products and Services HomeGain is an independent real estate site with no direct affiliations to any other real estate firms. To begin using the tools and resources available, register now. Agent Evaluator: HomeGain's Agent Evaluator tool allows home sellers and buyers to identify qualified, professional real estate agents and begin the selection process online. Homeowners can anonymously compare and contrast qualifications and proposals from a number of local agents before choosing whom they want to meet and hire. Home Valuation Tool: Homeowners can find out possible value ranges for their home with HomeGain's customized Home Valuation tool, which taps an expansive property record database to provide a report including recent comparable home sales in the neighborhood and their sales prices. Home Sale Maximizer: Homeowners can identify the top 10 low-to-moderately priced home improvements that will maximize the sale price of their home, allowing them to create a budget and calculate potential returns on investment. PMI Saver: Homeowners can determine if they qualify to cancel their private mortgage insurance (PMI). This calculator links with HomeGain’s free Home Valuation Tool, which gives the consumer a value range for their property. Then, a current value figure is added to the PMI Saver, along with the monthly PMI payment amount, purchase price of the home, down payment amount and current loan balance. The PMI Saver calculates within seconds the equity level achieved and whether it’s sufficient for the homeowner to qualify for cancellation of PMI. Calculators: HomeGain offers valuable financing tools, enabling homeowners to: Calculate capital gains tax and net proceeds from the sale of their home. Compare the cost of moving into a new home with the cost of improving their current home. Compare monthly costs of buying a larger home to current monthly costs of staying in their current home. Library: HomeGain provides free access to articles and consumer guides containing valuable real estate information for home sellers and buyers. HomeGain's library contains hundreds of answers to frequently asked questions, a glossary of real estate terms and even an extensive list of questions to ask when interviewing prospective agents. >>Back to Top Find & Compare REALTORS® — It's Free! Home sellers and buyers: Find a REALTOR®. Selecting the right real estate agent is no longer a gamble. Find and compare REALTORS® all over the U.S. Use our screening service to help you get the best home purchase or sale deal for you. Get the facts: Compare prospective real estate agents' backgrounds, experience, sales commission rates, and more. See Sample Compare proposals: Choose among a selection of top-performing local real estate agents from brand-name brokerages. See Sample Remain anonymous: You remain anonymous throughout your REALTOR® search. No obligation, no pressure. Press Releases - 2003 January 27, 2003 Price Gap Between Online Home Sellers, Buyers Dipped 14 Percent in December February 10, 2003 HomeGain Names St. Paul Agent Byron Borchert Top Transaction Agent for Midwest in 2002 February 10, 2003 HomeGain Names Top-Producing Agents for 2002 February 10, 2003 Bowie Agent Brenda Slack Named Top Producing Agent for Eastern Region in 2002 by HomeGain February 14, 2003 Minneapolis-Area Agent Faith McGown Named Nationwide Rookie of the Year for Most Transactions Closed in 2002 With HomeGain February 14, 2003 San Francisco Realtor® Heidi Mueller Named Nationwide Top Producer in 2002 by HomeGain February 14, 2003 Las Vegas Agent Bruce Hiatt Named Rookie of the Year for Top Sales in 2002 by HomeGain February 14, 2003 Atlanta Broker Susan Fritz Named Nationwide Top Producer in 2002 by HomeGain February 17, 2003 Wheaton Agent Sheryl Goble Named Top Producing Agent for Midwestern Region in 2002 by HomeGain February 19, 2003 San Antonio Agent Estela Haese Named Top Producer for the Western Region in 2002 by HomeGain February 21, 2003 Northern Virginia Agent Virginia Cheezum Named Top Producing Agent for Southern Region in 2002 by HomeGain Bob Borges (Seller) — Benicia, California San Francisco Bay Area Home Seller Finds 'Best of Everything' At HomeGain — Sought Agent Who Could Use Internet To Market Home Bob Borges, a home seller in the Northern California community of Benicia, was looking for an agent to "use technology to market my property—someone who was going to think out of the box." Bob, who sold a home by himself years earlier, went to HomeGain and submitted a seller's profile with basics about his three-bedroom house and requirements for an agent. He received eight marketing proposals from HomeGain agents in the first day. Bob interviewed three HomeGain member agents and from that group selected Roberta DeLuz, an agent with Coldwell Banker in Benicia. Bob liked her ideas for using web sites to market his property and attract out-of-area buyers to this "corporate town". The house was sold in 19 days to a corporate transferee from Los Angeles. "I got the best of everything—a compatible agent from a brand-name company, who's tech-savvy and really knows the community," Bob said. HomeGain Statistics HomeGain: 2.8 million registered users 54,000+ registered real estate agents across the country 5,000+ online agent proposals submitted to home buyers and sellers every 24 hours Average home buyer or seller receives 7 agent proposals More than $84 billion in real estate transactions has been made available to HomeGain agents More than 460,000 home seller and home buyer profiles have been submitted to HomeGain agents Average home listing price: $236,351 Average home sale price: $179,345 Average home purchase price: $187,796 Average commission rate paid: 5.4% HomeGain agents: 16 home sales per year versus national average of 6 $2.95 million annual sales volume versus national avg. of $770,000 $218,000 average transaction versus national avg. of $128,000 100 percent use the Web weekly versus national avg. of 70 percent 54 percent hold college degrees versus national avg. of 43 percent 8 percent are CRS versus national average of 4% HomeGain Consumers*: 56% male, 44% female 44% with HH income of $75,000 or higher 25% with HH Income $100,000 or higher 74% between ages 25-54 About HomeGain Founded in 1999, HomeGain is the Internet's largest consumer-to-agent matching service, with 3 million registered homeowners. HomeGain provides motivated home buyers and sellers with a nationwide network of 54,000-member real estate agents, and in the process provides information and tools to help them learn how to minimize costs and maximize their return on the largest financial investment most Americans will ever make. Key site features include: Agent Evaluator Service (AE): A free service that allows home sellers and homebuyers to find and anonymously compare local agent to represent them in a home sale or purchase. Consumers input information on square footage, number of rooms, price expectation, buying timeframe and qualifications of an ideal agent. The information is forwarded to real estate agents in the ZIP code or ZIP codes of interest indicated by the consumer. The agents compete for the business and submit proposals online that provide the consumer with information about their years of experience in real estate, the number of homes sold within those ZIP codes and other details about their knowledge of the locale. In the case of home sellers, agents list a commission rate. It's all up-front, so consumers have a clear picture of their options. Agent Evaluator allows consumers to take as much time as they wish to compare and contrast qualifications and qualities among top-producing REALTORS® before choosing the right one. Home Search Express Service (HSX): A free service that provides home buyers with web access to more than one million current home listings. To view home listings, consumers register at www.homegain.com with a top-performing REALTOR® based in the market targeted for home purchase. The local REALTOR® then displays the most current MLS listings that fit this criteria on their custom-created web page. Homebuyers can also opt to receive periodic updates of new MLS listings that fit their criteria, via email, from the REALTOR®. With the addition of MLS listings, HomeGain helps a growing number of homebuyers who are spending significant amounts of time online investigating housing and financing options prior to contacting a real estate agent. Home Price Express Service (HPX): A free service that offers prospective home sellers an instantaneous, detailed report of comparable home prices and recent sales in a designated zip code. Information includes the distance of each sold home from the consumer's residence, number of bedrooms, square footage and approximate date the home was built. The report is sponsored by a locally-based, top-performing agent. Consumers considering a home sale can also receive a price estimate on their home's value from the agent by completing a simple, online questionnaire. Home Finance Optimizer: A free service that enables homebuyers to get pre-qualified through HomeGain's mortgage partner, Bank of America. HomeGain Member Agent Network: HomeGain's open platform offers consumers 54,000 registered agents representing 3,000 individual real estate brands across the United States, from big-name nationwide franchises such as Century 21, Coldwell Banker and RE/MAX, to agents from top-ranking local real estate brokerages. HomeGain member agents sell, on average, nearly three times the number of homes per year as their offline counterparts, their average sales volume is about $3 million (compared with $770,000 for an offline agent), and their average transaction of $218,000 is 40 percent higher than that of the traditional agent. Referral Maximizer Service: A free service used by buyers who want their agent to do the legwork involved in finding a qualified agent in a market where they plan to relocate. Their agent posts a referral online at HomeGain seeking a fellow agent in the client's ZIP code or ZIP codes of interest, and includes information on the home their client wishes to purchase, their timeframe to buy as well as price parameters. The referral is forwarded to agents in these ZIP codes within the HomeGain network. These agents compete for the referring agent's business by submitting a proposal with their sales history, years of experience, professional designations and the referral fee they will pay to the referring agent. The referring agent and client remain anonymous, allowing them to evaluate agents thoroughly without sales pressure before choosing the right referral agent. Real Estate Licensing: HomeGain holds real estate brokerage licenses in 40 states (80% of U.S.) and the District of Columbia. HomeGain is a licensed broker in its home state of California. Home Sale Maximizer: Designed to help home sellers make moderately priced improvements prior to sale. More than 2,000 agents nationwide told HomeGain which 10 improvements really pay off when a home is sold. Savvy homebuyers can also use the tool to learn which improvements agents are recommending and how much they cost. Buyers can leverage this knowledge when it comes time to ask the home seller for concessions in markets where the balance of power is shifting toward the buyer. PMI Saver: Homeowners paying private mortgage insurance (PMI) can learn if they have enough equity in their home (usually 20 percent or more) to drop this added expense. Homeowners looking to buy up soon can take the savings and build up their homebuying war chest. Library Content: HomeGain has one of the largest selections of resources online, including helpful articles on buying strategies, financing and tax considerations. HomeGain's library includes exclusive articles by America's best real estate writers, a large searchable real estate glossary and database of common questions and answers. Free Tools For Sellers: Additional free tools and information especially for home sellers at HomeGain include: A downloadable "Guide to Finding the Perfect Real Estate Agent"; What's Left After Your Sale? tool; Calculate Your Capital Gains Tax tool; and Avoiding Foreclosure page. Free Tools for Buyers: Additional free tools especially for homebuyers at HomeGain include: A downloadable "Guide to Finding the Perfect Real Estate Agent,"; Improve or Move tool; Stay Put or Buy Up tool. Mortgage Center: At the co-branded Mortgage Center, supported by Bank of America, HomeGain customers get access to an array of residential loans: conventional, sub-prime, home equity, government/FHA and jumbo. Customers can also obtain the latest updates on mortgage rates, get pre-approved for a loan and learn how to consolidate debt. Quicken Loans also provides resource content for home buying, refinancing and home equity users with a multitude of helpful tools and information. Moving Center: If you're searching for a reliable moving company or trying to calculate the cost of living in your new neighborhood, HomeGain's Moving Center, powered by Budget Truck Rental, has got you covered. Tools include: moving and storage services, truck rental, packing, moving; neighborhood, supplies and loading and unloading calculators, moving and storage guides; and more. Home Improvement Center: Whether you need to have your new home cleaned, make a small repair or add a new room, HomeGain's premier partners can help. Tools and services offered include: buying tools and hardware; tips and resources for more than 200 do-it-yourself projects; find a local contractor through ImproveNet; and free tools and calculators to help you decide whether to tackle a project yourself or hire someone to do it for you. Other Initiatives From HomeGain REO: HomeGain's consumer-to-agent matching service has been tailored to help banks, lending institutions and mortgage servicing companies liquidate Real Estate Owned (REO) properties. HomeGain works with lenders throughout the United States to help them find top-producing, highly qualified local real estate agents to dispose of REO properties and clear them from the institution's books. HomeGain has launched a special training program to help agents who specialize in REO liquidation. Lenders with increasing inventories of REO properties who want to get them sold promptly can find agents with plenty of local market experience and knowledge at HomeGain. Trust Asset Management: HomeGain's matching technology and nationwide network of 50,000 registered real estate agents is ideal for asset managers within the institutional and independent trust industries who may not have real estate contacts across the country. With HomeGain, managers can post for free the profiles of as many as 10,000 residential properties for sale by zip code, then seek proposals from HomeGain member agents within those zip codes. The HomeGain system greatly enhances existing practices used by asset managers to locate qualified real estate professionals in local markets and ensures they are identifying and hiring the best agents who can maximize the yield from a sale. HomeGain provides access to top-producing agents in big and small markets throughout America with a system that's efficient, free and provides an electronic paper trail. With 3 million registered homeowners and a nationwide network of 54,000 real estate agents, HomeGain has grown to number 5 in overall real estate traffic on the Internet and is the largest consumer-to-agent referral service online. HomeGain also powers agent finder services at these partner sites: Yahoo! MSN CNNMoney.com E*Trade QuickenLoans Google Iwon AskJeeves AltaVista CitiMortgage LookSmart GoTo HomeScape.com HomeGain's financial backers include J. & W. Seligman and Co., Netscape co-founder Marc Andreessen, BancBoston Ventures, Technology Crossover Ventures, TMCT Ventures, Comdisco, Mindful Partners and Intuit Inc. HomeGain is headquartered in Emeryville, Calif. Bradley J. Inman is founder and Chairman of the company. </p> </body>