"I was able to find a new condo and the Agent Axis Realtor was able to help me with a zoning issue, allowing me to buy another unit in the building for my business. I now have the world's shortest commute."Agent Axis provides "one-stop shopping" for potential home buyers searching online. In addition to over 50,000 Chicago Metropolitan real estate listings, AgentAxis.com offers affordability calculators that direct shoppers to the homes they qualify for in their target neighborhood, as well as online loan applications for instant approvals. Agent Axis has also provided the entire mortgage application process online. Potential home buyers can get real-time updates on interest rates and loan approvals."Combining the home search and the loan search in a single application was not an easy task," said Agent Axis representative Melissa Landis, "but we are proud to say that we are still the nation's only technology to provide this service."Potential home buyers often ask themselves these questions: ???? ? Can I afford a mortgage? ???? ? How much home can I afford????? ? Do I qualify for 100% financing? ???? ? Can I qualify for a mortgage with no proof of income? ???? ? If I have bad credit but I have a job, can I get a mortgage? ???? ? How much is my neighbor's home selling for?The answers to all these questions and more can be found on the website, where potential home buyers can also receive a free quote on a home mortgage or search for Chicago Metropolitan area real estate, simply by visiting www.AgentAxis.com.

About Agent AxisAgent Axis has redefined real estate with the launch of their new search engine technology. This technology, backed by experienced professionals, allows individuals to buy or sell their home, get financing, and manage it all in one comprehensive platform. The entire home buying process can be managed online through a single interface, and potential home buyers can be confident that Agent Axis Realtors? are the best. Their agents have consistently proven to be the top sales negotiators in their markets, averaging in the top 15 percent.Press Release Promotion powered by Xeal Precision Marketing.

20, 2005) study of 1,820 real-world cases, MedCenter Canada (www.medcenterstore.com) determined that 84.6% of participants would spend less buying prescription drugs from a Canadian pharmacy than by enrolling in their Medicare plan of choice.Upon release of the AARP Bulletin report, MedCenter re-ran its data using variables from AARPs own MedicareRx plan. While the AARP plan is touted as one of the nations best, the new analysis still concludes that a clear majority of seniors (55.5%), who spend less than $7,500 per year on medications, would save more money buying from MedCenter Canada. Only 45.5% would save more on the AARP plan.Moreover, the average annual MedCenter savings was $456. The analysis factored all plan variables including actual drug costs, premiums, deductibles and co-payments.Once again the real-life numbers demonstrate that Canadian pharmacies compare favorably against even the most popular Medicare D plans, says Glassey. Its further evidence that Canadian drugs are a viable alternative for seniors to consider.

The AARP has an obvious financial interest in promoting Medicare but it should not be at the expense of its members.MedCenter (www.medcenterstore.com) also offers patients the ability to analyze their own prescription scenario through an automated online calculator or by calling toll free 1-800-442-9585. In either case, specific Medicare plan variables can be captured allowing for a realistic comparison with drug costs from MedCenter Canada.Performing a personal analysis can be an invaluable exercise. The numbers speak for themselves. Canada is often the better deal but even when its not it can be a welcomed safety-net for Medicare gaps and shortfalls, adds Glassey.One notorious feature of Medicare D is the requirement to pay full price for a drug when it is not covered by a plan and upon entering the coverage gap (donut hole). This presents an ideal opportunity to order from Canada and save 40-70% on medications.MedCenter Canada Inc.

(www.medcenterstore.com), through its partner network of international pharmacies, is an established leader in providing affordable medications for Americans. Since 2003, MedCenter has helped tens of thousands of Americans save money on their medications.Media Contact:Alex Glassey, PresidentMedCenter Canada Inc.Tel.: +1.204.510.2012Website: www.medcenterstore.com.

Barnes knows from first hand experience how fraudulent loan data gets into the system, in spite of todays heightened awareness levels. As a former insider who has personally participated in mortgage fraud schemes and served time for it, he has the real world experience to develop highly effective training programs.Barnes will be traveling to speak at over 125 mortgage related events throughout the year, educating companies on what front line fraud detection tools should be used and why. Barnes has appeared on the CBS Evening News and has educated the FBI on this rising issue. His classes, "Making the Right Choice" and The Red Flags of Mortgage Fraud, have been approved in several states for continuing education credits.In many cases, the danger signals are apparent and still go undetected, said Kevin Barnes, president of Mortgage Fraud Awareness. An even more serious problem is that a significant share of mortgage fraud today is committed by industry insiders.

In this [mortgage] industry, we choose to educate our team members on the sales training and the relationship side but seem to forget or choose to forget that there is another side to training, Brokers and lenders alike need to know what tools there are to prevent mortgage fraud and how to use them. It's a little late to detect fraud once the loan is closed and funded, and most criminals wont give you back your money.For more information, contact Amber Jackson, public relations manager, at 850.439.2471 or via e-mail at ajackson-at-advantagecredit.com.About Advantage Credit:Founded in 1991, Advantage Credit International is a wholly owned subsidiary of The Adaugeo Group. The company provides credit reports and related services to more than 9,000 mortgage brokers and other customers through Advantage Online, and is a 5-time Inc. 500 Hall of Fame winner. For more information, contact Amber Jackson at 800.600.2510 x2471, or via e-mail ajackson-at-advantagecredit.com or visit advantagecredit.com.About Mortgage Fraud Awareness:Mortgage Fraud Awareness, LLC is a mortgage fraud consulting firm created by former convicted mortgage fraud felon, Kevin Barnes.

Mortgage Fraud Awareness has developed a training program that is designed for the mortgage and real estate industry called "Making the Right Choice" and the Red Flags of Mortgage Fraud. This class has been approved in several states and is pending in others. For more information, visit mortgagefraudawareness.com..

At this time, the entire loan balance is due. Rollover ClauseFirst clarify with your Mortgage Lender or Agent that you are indeed signing up for a balloon mortgage. Then, get a rollover clause attached to your balloon mortgage agreement. The rollover clause says that at the end of the mortgage term, 5, 7 or 10 years, the loan will automatically rollover into another type of mortgage. This will protect your assets in case you are not able to come up with the full payment on the due date.Anything you can do to protect yourself when you have a balloon loan is preferred, since most lenders are less likely to work with you to come to an agreement on the due date..

? To dispute your property taxes ? To establish the replacement cost for insurance purposes ? To settle a divorce ? To settle an estate ? To buy out a partner ? To help negotiate a purchase price either as a buyer or as a seller ? To satisfy the IRS ? To settle a lawsuit ? To protect your rights in a condemnation case Who owns the appraisal?In almost every case your mortgage company owns the appraisal, even though you may have paid for it. This is because your mortgage company orders the appraisal on your behalf, and the appraiser lists that mortgage company on the appraisal report. Even though the Mortgage Company owns the appraisal, you have the right to receive a copy. It is at the Mortgage Company's discretion whether to give you the original appraisal. How much does an appraisal cost?The cost of an appraisal varies based upon the following factors:? Type of appraisal: The most commonly used appraisal is called the Uniform Residential Appraisal Report (URAR).

Some lenders may accept an abbreviated appraisal called the "Drive By Appraisal", which costs less than the URAR. ? Type of property: Appraisals for single-family homes and condominiums usually cost less than appraisals for multi-unit properties. ? Value of property: Appraisals for higher-priced homes usually cost more than appraisals for lower-priced homes. If your home value is over $500,000, you can expect to pay more for your appraisal. ? Location of property: geographic location and availability of appraisers affect the cost of an appraisal.

In areas where appraisers are few, or the properties are hard to access, appraisal costs increase. ? Use of property: Appraisals for income-producing properties, for example, usually cost more than appraisals for non-income-producing properties. Rental property appraisals include a rent survey and the property's income statement. Appraisal fees on single-family, owner-occupied homes under $500,000 in densely populated areas vary between $250 and $400. Fees for similarly priced rental properties may vary between $400 and $550..

This allows buyers to make smaller payments early in the repayment schedule while purchasing a more expensive home than they otherwise might be able to afford. The payments would increase in later years, but so, presumably, would the income of the buyers, so that the home would still be within the buyers' range of affordability. A relatively new mortgage option that may soon adjustable rate mortgage and the interest-only mortgage in popularity is the mortgage with a 40 year term. While most mortgages offered today are for either 15 or 30 years, the 40 year mortgage has been available for nearly 20 years, but few lenders offer it as an option, as they are often reluctant to tie up their money for such a long period of time. That may change, however, as Fannie Mae has announced their intention to purchase more 40-year mortgages.

With Fannie Mae purchasing more 40-year mortgages on the secondary market, lenders will probably be more willing to offer them to customers.Interest rates will likely be somewhat higher for a 40-year mortgage than a 30-year mortgage, but the extra length of the loan term will keep the payments lower than with a traditional mortgage. Prospective buyers should be aware that they will pay more in interest on a 40-year mortgage than they will on a traditional 30-year note. Studies show that most homebuyers do not stay in their homes for anywhere near 30 years, let alone 40. This being the case, the market for 40-year mortgages may remain fairly small. But for some buyers, it may mean the difference between continuing to rent and buying the home of their dreams..

This program is called the Community Home Buyers/Home Savers Program (CHB). Once escrow closes, homeowners can consolidate all of their consumer debt, pay off their credit cards, and pay off their car. This gives homeowners financial peace of mind, and rapidly improves their FICO score. Once that happens, we can put them in a Fannie Mae 30 year, fixed rate, low interest loan.For more information regarding the workshop, contact 877.649.0558.For more information about The Community Home Savers Program, contact On Line Funding at (877) 649-0558 or visit our website at www.olfunding.comContact: Ingrid HawkinsOnline Funding, Inc.6701 Center Drive West, Suite 900Los Angeles, CA 90045(877) 649-0558.

As always, it will be up to you to shop around and find a commercial loan broker that offers a commercial mortgage package that fits your needs.

Apartments ??" Great investment opportunities exist with apartments. Apartments serve as a great form of securitization for a commercial mortgage. They also prove to be great income properties, as apartments that are managed well can bring in positive cash flows at the same time as equity is being created.
Health Care Facilities ??" A commercial mortgage can also be used to finance health care facilities.

Such an investment provided two distinct advantages. First, you are investing in a traditional business that has a growing market and customer base. Second, you are also making an investment in land and facilities that will appreciate over time, creating positive equity for you. Investing in this type of property and business is not so far fetched when you realize just how accessible a commercial mortgage really is.
Industrial ??" Though industrial spaces are neither glamorous nor thrilling investments, they are certainly valuable.

Most lending institutions will offer some sort of commercial mortgage that allows for investment in industrial spaces. Such an investment typically proves to be a solid investment since industries are always growing and this type of space will always be needed.
Manufacturing ??" If you are interested in expanding your business and increasing your manufacturing capacity, a commercial mortgage may be the way to go. You can use a commercial mortgage to finance the expansion of your manufacturing facilities and thus grow your business in the process.
Warehouse ??" Not very many businesses can continue to grow and prove successful with no room for inventory.

If you find your business is ready to take it to the next level, and you are short on warehouse space a commercial mortgage can help you as well. Many large lending institutions have a commercial mortgage designed to finance warehouse expansion, so don’t hesitate to contact your commercial loan broker today if you are ready to expand.
Retail Structures ??" Even retailers need financing to build new stores, increase their accessibility, and grow their business. When retailers are ready to fund a new project, they turn to a commercial mortgage as well.
Office Complexes ??" Office parks and buildings are financed the same way as all the others, with a commercial mortgage.

Office complexes also prove to be great investment properties for investors in the real estate market, as the risk of vacancy in office complexes is much less than that of retail spaces.
You might have noticed a trend while you read this list. Indeed, a commercial mortgage can be used to finance just about any kind of commercial property. So when you are in the market for a commercial property, go visit your commercial loan broker.

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