| Show t I 2C The Salt Lake Tribune Sunday September 2 1990 Harsh Reality of Fixed-Intere- - Mortgage Terms: They Are Indeed Fixed st - "Cutting down" — whether we're talking about our calorie intake or our debt load — - c is always easier said than done '3'''r t k f"--4! DEAR MR CAMPBELL: I bought this house 10 years ago for ' $80000 and made a down payment of $20000 My monthly payment is $725 I am ' planning on retirement in five years and want to reduce mymonthly payment about in " half— approximately $300-$35- 0 per month How much more would I have to send with my monthly payment to be applied to princi- pal to do this? Ms BG Ontario Canada ANSWER: Life like the making of a good pizza is never as simple as it seems on the surface The harsh reality of a mortgage is the terms of a mortgage (which I'm assuming this is) are sure enough Don Campbell '!' i ' t 30-ye- ar New York Has Most Expensive Hotel Rate NEW YORK (UPI) — The Big Apple may be a nice place to visit but have your wallet handy when you do At $282 per day it's the sixth most expensive city in the world and far - y tel Third place went to Honolulu at $201 Chicago was fourth at $192 and Boston fifth at $186 How DO you reduce the monthly payment half or whatever — when you retire in five years? You've got to refinance the balance owing and in effect extend the payoff time to accommodate the smaller monthly payment It's a bit difficult to work out in your case however since you didn't tell me what interest rate you are paying what the current balance owing is and I suspect you h lumped into that figure the amount that you are paying for taxes and insurance So bear with me — this is hypothetical But OK in five years you'll be 15 years into what is presumably a mortgage At that time in order to refinance and lower the monthly payment into the $300-35- 0 range you are going to have to have reduced your balance outstanding from the original $60000 to somewhere in the $35000-to$4000- 0 range Bear in mind: There's a cost involved in refinancing and when you do refinance to bring the monthly payments down to the desired level you are right back in there with another mortgage around your neck Talk to your lender however Some of them in tacit acknowledgment that both or accelerated payoffs have belump-sucome so popular are offering to rewrite mortgages to accommodate this sort of pay $725-a-mont- 30-ye- ar Overseas New York was outranked by Paris most expensive in the world at $331 per day London at $320 and Stockholm Sweden at $312 Fourth was Tokyo at $303 and Milan fifth at $285 Other domestic cities: 6th — Los Angeles $183 7th — San Francisco $171 8th — Philadelphia $162 9th — Atlanta $143 10th — Denver $135 llth — Dallas 8135 12th — Seattle $126 13th — New Orleans $121 14th — Las Vegas $121 15th — Miami $115 Pheonix $110 16th outranks other American cities a survey said Tuesday ' The closest domestic competitor for the dubious honor was Washington DC where r a one-davisit for business travelers averaged $216 according to a survey of 55 cities prepared by Runzheimer International for Traveler magazine A day in town for the purposes of the survey meant three meals a day and a single horoom at the standard rate in a first-clas- s fee DEAR MR CAMPBELL: Here in Ohio I hold a real estate license that is on file with the State Real Estate Commission Do you have a list of the states which exchange reciprocity with Ohio on licenses when a person moves to another state? Or are thei e any general sources for this information? Many people from this area who hold licenses move mainly to the South and Florida or to the southwest — Arizona or California They read your column on a regular basis for help in their business Mr JER Columbus Ohio ANSWER: Reciprocity ("you scratch my back I'll scratch yours") will vary wildly between disciplines and you'll find it most common in professions where broad basic principles prevail and where geography is immaterial Real estate primarily because state laws are so varied is a different breed of cat You'll find reciprocity existing of course according to Stephen Francis of the National Association of Real Estate Law Officials but usually between states "where they have something in common — population borders in common or something like that And there are many forms of it notably exam reciprocity Sometimes even full reciprocity But there's no national standard" Exam reciprocity he adds is probably the more common form because there are just two nationally recognized tests and if you've — by "fixed" If you take on a $60000 mortgage at say 10 percent your payments for principal and interest only will be $52654 a month That's the amount you pay the first month of the first year and it's the amount you'll be paying 30 years down the road when making your final payment No 360 fixed-intere- ment-adjustme- nt $52654 About Real Linde d1 for a flat fee that is lower than a standard refinancing charge In a recent case called to my attention the lender billed this as a simple $150 "modification" It is immaterial that you have perhaps accelerated your payments to principal and in fact may be paying the mortgage completely off in 15 years rather than 30 No matter how much you have reduced the principal your final payment is STILL going to be 30-ye- m L Fla IT 0111(AR0 114(E101111k5 - 0 mo go - vio I it N' 1 16 - 111A - e''" :aHssa rorne''J II i ritil 10 AS - 1711:li 1: - - - 110011 If Prices reduced! One bedroombathgarage — from S38000! Three bedroomtwo bathdouble garage — FHAVA Financing Available! il' ' rup arm e TWO WON 1 from $71000! OPEN HOUSES HOMES FOR SALE OPEN 200400 1195 SOUTH 1000 EAST 1530 EAST 4130 SO OPEN 4:00 600 1648 E FEDERAL HEIGHTS DR (250 N PRICE REDUCED Now $299000 les Ma tabuloui Federal Hts Com temp Archeockaa lb designed 5 beans 5 bath toma ening tuft lehashaPett great vein Rhode 5321274 ' Bank financing available! Ited CONDOMINIUMS '4e GEORGETOWN o'l: A decorated models open daily 1 1500 West 5500 South to 6 pm MOVE IN CONDITION Wonderful canyon view Well arced Sold fully furnished I tolmi 266-555- 6 Can" On Cie St $49000 Katiteted by Capital Security Properties a" P - air TARA GARDENS REDUCED! 4" ' $55400 Sean ca Hotladay 2 & banb 2 balk hgbi Sawa Wig 1 car gar Linda Sal 4010 soma 1m Eilletata ok -- God Jets I p POLO CLUB CONDO HOME AND BUSINESS Ferree! busmoss opportundyt lot business and love lame Obovio tor Ina! 3 banni3 both WOOD 1110flitHOUSESISOIRVEINESSIMIICKLAILittli ' 711 SAW TIN OPEN f3S0 IL) AVENUE 1210-214- AVENUES DUPLEX Esicitliste tensai met Me it side 3a priced MAO ) L lege ceilings leaded oats gorgeous kitchen Cozy esid Nice ic fee pfesttgootis woe assionetion S73 et101 11111 WPM 61114Sil I Wive appmacil at 44123 t S Mel Ell EAST MI AVENUE E53 EAST 1ST Chareing letecy Victorian rile lots al beautiful rain gicst 4 bairns E tam re" a cat '44774 PiCt eirsieue SSUGARHOUSElt WARM STINT Duplex minots Item the tiolsorsity loots lot $255 pot settsottioss tooted 2325OU OILS (321 N) 3:004$0 OPEN HigA cellos Waded pass yonrous klichon Cozy yeal Nce ama R4A CINIUMPh011 a 2t vmors benv44 b 3200 CrIlitill4111 630 ft afx 2 cm MILLCESES WEST OP911110-570- PIPET 0 Joe MOM" SiSSAS Jfidosse Stildbas WOOD 2306 UST SUNNVEDI locabose Ammo corOoC ICQ $87300 Mao 3id93 SPANN 12441220 SCOTT CONIV4P0 MTN poet Impacts aceatoaa hoot 1001O 2774241 EAST (941140TOW (6526 SOUTH) Seated seea ktotnous 3 Woo Dm Obi 31297 ISOOLOOS "rem 8Oreohor wool war NC Mem grolefor &6 $e2sk 06404 COEN LSOOLOON 114100ATATION Superb $ Corm 4 bit contest-cooDoom Immito leCittlCM Woe Waft $IPOK WS 37381 18CYLL $4343613 I -1- it - : I JUST IEDUOID I Pots 3 Dam woo° Mame Wow dea4 CCOOlumfr $090C Mat 34431 IMAM tilleallt 61303 West Seriona tat guar ROUNTIRIL Mom bdomf3 bib wet lot al oak Motel know lot Clow so KV MS i pork one Seel POMO POOL! Isouttluity icetascapeci Widened Demi MLS 3 31077 244341 - '' Mill CONTEMPORARY POMOd1143 f moo 1 Gfecii tor bght 335111 do CLAW 2c Sat dowopern condo very conterKroraq dcreo art rcrt 2 car 1 or ir rorl' covered larking S349 000 Lycra 583401C Lowry into OALS EXECUTIVE 160411044 WALOWCPEEK SAS0 36721 baths& Oaten SWOMC PM 900 410423 CEDAR AND STOW 2 DM comompOrOtt youltst coiling' 'amity morn mew game RA580 WIPT NOV& f4114300 blm 4 'IMO MI 3 SO tali MAPS ASSUMPTION too °Pommel Porno coodPor m Way 5 tomm 3 OM nom wk tiewOol colon value 000 DOOM root 37a OILS ""1" MAN I 111111MS11111— COME Sal wee Loa Located eweweed dual onotf 11000 S23000— 125100 moonInc LALSe 300M WIEW uTi woo Soong GREAT YUPPIE NOM Ctee hom bee once it eM tits0 come tot boctword 3 betml WO wage Come ioel $32SOO tede 20794 BOHM 010061SAS 2774231 2 unotimul STEM Odom Ion mom tiolomons co poop now moo owd moved 347000 li" IMAY MNA41Aat ' iiii ' ' 2774331 ' 0 2114 bom cottage P Donl to e r Osret minty face varg 356 Patsy 2764652 obes1 e Suzanne NCE EASTSIDE I STARTER Dom bnce an wee Dew citsPetesPer PM 'enpe vat 169 53C Sae wad incredible m barms 3 baths St62000 Helen 2764852 taillbroci quality YMCA!! ESTATES 1965 EAST 11400 SOUTH A otettplout snipe kr"" ttome 4eveloortent 1200 tome ants torn IQ Ilse low 2301 Feerod S Landscaped Entry twattsenis Protects" Covenants ism CAs Pad sew Lois Anstioni" Nttfett tkasit St646111 t 4 972-141- Gime WO pion main lit realm suit e horded his nee lischel trth imported tiles huge let $1794( ot Linda 9334010 Peggy Rhoda S32127A 1661 E BLAINE AVENUE Nee Came ano firing asorotar $76 2b06 pnt 3 lutnen HOLLADAY'S FINEST REDUCED! 70p quality 4 beim 3 OW rant BEAUTIFUL MINI ESTATE! ieghiand itr Pecone0 perfection 3 s tOrml 2 acrei conform rtost elf earn Perfect' snocoo George Cc Sue SALT LAKES PREFERRED BUILDER COO (II lOr POSUble Bata 3 LIMITED OFFER AVAILABLE POSSIBLE EMT 01 owl or mew S353 Earoara SS 9445 ARLINGTON DRIVE'S FINEST' Fat AlaS Federal Rts home choecura Doec comet° 'totally eaohe mar hoot tainoll roi 4 r bay Sat fitiOda $489K 4874338 Posture hem 3 gond' s ingey bq vsew $556000 4674336 at Pogo 56 1 234 NOW 8595000 Rapt asa of Arcrtrartute Mama 2 Taa Oaks Art bedroom 2 bath Once detail $599 CVO Jotate 6864 se saw' 4878336 plus office Commercial potential OPEN 300-504523 SO COUNTRY LANE RD (1050 E) Wondedul new nom tlX So R Mn LI Oak Berber Mk Pool lull bunt PUO $i 27S00 Off RULES 2764443275-277- 300400 2171 EAST DANISH OAKS COURT (11000 S) SPECTACULAR VIEWS Mao Creek beady 4 years old 3 IR 3 Ft Cudom built Owners transferred EXTRAS YR OLD HISTORIC 22i E OCJ11 2 dor perfect I 12 7200 lot home business $114850 DAVID HOOPER Off MULES $225 000 NAME JONES CANYON RIM AREA Doe 3 adroit Main floor room $59500 CHRIS GLOVER level tly COTTONWOOD Ck 139 Secluded acres 14000 84 hi iltas club house 6 balh 6 LITTLE ft bacon DIE SMILES EARN IN CITY OPEN 400400 27 L 1200 E Walk to U 2 brim plus lanai ditt hordwd tin bay window secluded redwd deck $62900 ANNA GWIAZDOWSIO 1:00-4:0- 0 GEORGE GRAY 2624253566-394- I FHA simple A auumpl unclot 9 API pottmg sheds altototion butinou GI Expo" DEL MULES 27$4443271-271- 7 ASSUME NO QUALIFYING lock rambler in OW VOW brims 2 bathe 2 Co pomp Call Irte DARLENE SOIDRIO IMMACULATE aMILUXURYSill EXQUISITE VISION! Unbonoveble views from Intim ihe bog of overfnung 2:00-8:- 6200 VARIES A MAIMNDALS 9421051566-394- 5 --- 5742825 ASTOUNDING VALUE 3950 2 Kw mos Quaint Kt deka acit Inchen Iormus moor $i 79000 7 LOCATIONS Ridgepoint WURRAYWillowgreen WEST JORDAN- - Country 3620 So 4000 West 569-030- Place 4050 South 4400 West I 965-859- 1 Street 967-769- 7 2990 South 6400 West 966-206- Valley 7 RIVERTONVictoria Station LEE !otittr 254-262- 8 CAPSTON 295 sahntr IN HOLLADAY ol pool $oli Snow Gorgeous windows light nits deco 12 bo 3 bs 2 EKI0 WSW 5119937271-277- 7 AND UNDA 3 EMS Of COTTONW000 Abso Iwo ottlecto Ramble richly to 'Nov core Imo haw hong 8100500 EVELYN WESSEL 4 Loa kinlit! hub "orb lob ot tub keit groat floqbbomoodi $49900 ANN ADAMS 10" REMARKABLE PRICE FOR A Kt It 4 Who 3 balk Wed tom tht booLthlul hght cabinetry 2 got $69900 MARGE WRIGLEY (maim 66117475664945 BRICK RAMBLER act 3 bob bloomed bowl USINESS RTIMM ADAM WRAY 4 lit covenoci 3 33 voic$93400great 1111 nosgbbothoodi ANN debts 2 rarrt6st onde car 9ot bb cow lotioceorent IARSARA VOUCH 2774734W4945 Acre Lots Animal Zoning Water in Riverton VONDOMINIUMS EVELYN MIMS FOR SALE ytt 11S50 South 2700 West SOICNNO DARLENE 3404444142712777 94241046664945 WOK WEST VALLEYPleasant 831500II 2 brim brick trimaran an nice deadend street 2 Co garage Appraised 'MARTINDALE INCREDIBLE VIEWS!! Euntling Ina rombit on renoodui stecutm area 4000 Sq ft 5 b0fft 3 tont S197500 0 TAYLORSVILE Remington Place WEST VALLEYOxford SUSI MUTINOUS 9421051566-394- 6 SOLORIO DARLENE 364141012714771 I t SUSIE 261-875- 2 STORY 5 barrne 4 MI 3 Irpie mom boo idntv L9h1 fi ppm 3 car garage $1790013 311000 PRICE REDUCED A VALUE Forever nem Ice Provectol Idn9t 4 Icr den man ens $254905 OPEN DAILY 11600 South 1300 East Docli $445 000 ig SUSIE SUNDAY MODELS 6aW912 b' 90 10900 4290 South 2200 West Fabulous nekton 2 story ProlesINOnit decor lessedtee beim and grounds pool 6 bed sue Now or George 6623096 SALE' 4526 SO JUPITOR (3700 1) vow Coos 4000 SO ft 6 bdmi OPEN 12:30-2:3- 9543 S 1335 L Everlasting view 4 bdrrik Ix tarn well priced well rrsaintaima eant value FOR LIFE 5820 South 700 West kr V ALOPEN HOUSES ItHOMES-IO- 5 XPOKNne01041 532- 5 ACRE COUNTRY ESTATE Inc seat 'myna rusbe 3 -66 UNIORPARIC:566:3145 BENCHMARIC278:2711 OPEN DECORATED 2516 WILSHIRE CIRCLE Eic Watery home war saeapong vett ol course Etc beaLtata artalPh m OPEN I NOTHING UKE IT IN SLCI barril (Need an Expert) MANSEL j di LIMITED OFFER i::1 -It i E I 895 COTTONWOODS PRICE REDUCED No S'5 DOC Icy mmacuAte 2 level 4ollactat or OOP' 1000 a Wm 2 bets sectuove Aft grew Om 4 pats bullt ot Patsy CONTEMPORARY ' ii80049940741439jOk 4 ad "ILION The Service Guide Ads Storage Co Inc & Moving ''ii'-'1''- Home Improvement Ads MOUNTAIN STATES Ma- Ita Financial Ads and Lenders Corner 27114443271-277- I bed 441r-- Classified Real Estate Ads We might not be the CHEAPEST but we are SUPERIOR movers! SECLUDED WITH STREAM 4 Better Homes & Gardens Gardens Real Estat News FREE ESTIMATE 5311287 venient location near tne $139 900 Rhoda 5321274 or ce 2721221 0 - Moving CHARMING 2 STORY COLONIAL 4 tams 3 balk tarp iterf rtn and trmil dining 3 fireplaces con- bCertS 4174481 opt 3 7 MIMS 3 NEAR CAPITOL $49950 Classe 143 ke ea0 ei ewer kitchen bath never Carpel aarnt 3 bet garage Name 48 4S2 tlliOfitoei 311714 DOIll ' V2 tic kg Mr iarod !Of Coe PVC - - Call us for EARLY LOG HOME &toted on 23 see in Cetormood wes Ruse weence 4 bdrfn 2 bets $139900 Barbara 442508 2'4 PROPERTY oleo el cede! me home leaulltel wee gems WO NA Designy bilmit 3 DOM Matbill SOS VIEW OF THE WEEK $39900 CIPANOCOrerd to LUXURY HOMES 0 SANDY- BLIT WARDLEY Index WY Protected Storage Local or Long Distance Overseas open teelorg LIM and 2100 op It 2 2 bcerns 2 $112900 Marco 272- - 1221 Oath 534-867- 7 V mitan Clean geom HOMES FOR SALE wummott iA ACRf z:: " secluded area 3 bdrm 3 bath tame room walk-obasement vinh lantastic vairey veva $105000 Rhoda Very 'ad Gorc000 mountmn vows coat g&SCOnallWAYIS -- C - 40 QUIET EASTS1DE nee carpet DUDA CONDO! lucton in won I Want 3 battn 2 Wpm 1 car comp twin neon dect $77E10 WS 3inni 94241334 CNN ION CONTEMPOItial c000 SON 00r rd 7 9 Courteous Experienced Professional Personnel )160AA Linda 6104K 12-- 5305676 pak 3 Sun Billye WARDLEY ICC No room tor hot key 3 bath 8200 S 1600 E RV 3614126 PENTHOUSE IN Governor's Plaza Spectators' news Coatorne deco wrin sata) and brass 2 ben'' 3 barn Se15000 Jodie 431634 2050002 PERFECT CONDITION Fenced yard with tarp covered 3-- 7 i Jim Better Homes TAKE YOU HOME® Atlasyan LIVAAmzent Vitaid aass Liege mato sude seciuded otttl Its a "10 $219 000 Jodie 27e6064 of Ann PENTHOUSE GOVERNORS PLAZA $79 900 Shop noire in beautlivi conooona barn 2 boin private Monne 485- - quality I 900 QUALM Cede Pope dere Fully tomcod 40m4" 4 bdrms2 1274 1452 ASSUIN — Sc ed 42434 NOSS - t S54 kitchen tame) in yard master sude WM11714443 AARRYSANDIA BEAUTY "C' t r SUZAN firdenol CCIa km Win temeassed tectwoo bees tome $i 24tet illor 100100711N JORDAN $oo too — your coperkindy batm'2 MO Wet lemboot 2 SIMPDO '2 bill Pole 5834737 EDGEMONT ESTATES $2791( More than a home Stunmnp men floor hying with guest wea tap DUPLEX We by side tint 2 bdintl bosh each side Excehont Paten' hal COMM° WOO MIS 37559 KEVIN AWN 1114747 tom tiCLUSION oci caltwell DRAPER vault- WM of rrints At Rhoda 532 r129000 NOM 2 $TORY — MKS ROOF Ook cablnots wrth kodtonol Or! : wort WEST tolryTtl Otte VW WONDERFUL OAKNILLS GARDEN Across ftom Bonneville Gott Course 4 Wm 2 bath large lmng mt lovely comet garOen atrium UPGRADED 3 Otem2 ath moo volley home 2 detached hot tub cot hilSe gotapo man 2b91 38715 WEST VALLEY !Whom con trolt assent ow DMA r - IWO4TORY MS s Clones 2335 1571 TOMAHAWK Ationron14111 toroptvorary Ac acto Weil collo SIM anti he Ma 36N of:reirmtl DAM 2 Mae allUllited IVNIEWS OM 2 lorolly ntól-- I 277400S porno inpoi bark 3 jU I Oen al mammal epee 'heat landscaped rooms kitchen maser soffis crosier o losproos Moe soot $20221112 N ORA mootoin berm Cope Cod Onme 01c hrts quality motvoied sett Si69 900 Ma MON 2 tome $70000 bam 3 bath mon hoot laundry attached 2 tal 'wive hos 81599CtO Marco 272 1221 4 20 ATLASWv 1287 Only 8 MAGNIFICENT VIEWS! 526 acre hone property —quality WWII galore! bue brick home 3259000 — Country ellOW1 WOOD AAP 2434403 met ITUNNINO ceihrogs TOr DONNER RAMBLER CONDO iututy twins on quoin 9 3434734 MIDDAY tirlmj LET CHARMING 2 STORY Kiley 2 Sim completely remoOW New k4chew 2 I2 baths 4 txlmrs thaw& $99( Staarme 531- - 3 MEW room tome' ditmg KS 3q482 CHM NOSS AKA Or Ma carpel MLS0 tota9ey Er HOME Woof Orli locrodZ & views Itom A length odwood barlits SIKDOC MIS 9263 EMT MONNISEN MHO Om MIMnOM rz a OLYMPUS COVE SiegarICO turAblOtt FAIMPLOUS mai 1140OWICIN Ale A oak DOA 3 Mews kAciven Noy $i NADA DAWN IMIArte Jiatel 3 Inca 11111301814 Nam craw am Plant Men Moms real ta! 13 acts larlat ard pet $142810 Duel wall Seim Ivorisrened Om dropped price 2Olt below Sommers Enrico opismosoi Worn sec tont : 46422tA EiLsi 4 1674414 KENSINGTON Ala now shAsto LOCATION StAPCTIOASISKICI bipoutitul foewood contomporefy beims Mgri 61419IT 31462 200400 Spoctocuiat MOM 10311ADAr lo Shadow tumbles with 2 totosts I tont tot props Close to Ot000tog onst school Oots $116900 thit 1744 SOUTH MOHAWK CHICU PIM 14 OPEN TOTALLY 2 bath tirepibx ed tom 46645311 CONDOM COMM 03441 11401Orr ON 7O2 nig frzcos NEM 544747 AVMS WM AMIN MO 80112N 2300 WY OPEN 1200-24-0 wonostegi 4 bcOms combo In tsiotlious country club or441 Quo Itty ptestcm4 $419 400 MAROON 6834470 WM MVO spaces for growing family Upgrades galore newer lut tangy rm on man A down 4 bed Nome 4884482 deck born 9181 & RPM31!! -- - 1fr 555e 2 bOrm I term Gaynell Ersoy price Mon-Fr- Sat 530-567- 6 & Mee Sale Open Daily MODEL TODAY AiLit Beauelul Now 1 w" low 8600 South Inside HOLLADAY ONE LEVEL Towers 24 Iv seconty pool $53000 Sally 0 ''''' Ay for 2140 East OUR 488- - - today ST GEORGE 364- - AMERICAN TOWERS I BDRM Ergot the hosts etestyle al Am 4 1: Sue (1126 Full Broker Courtesy A kA It Up to $130000 Visit our Sales Office s SEE (ot $79500 3282 sq $70000 Billye or (801)673-975- (801)673-585- 9 CONDO Per lect in every way' 2 bedroom 2 bath format climeg courtyard 146000 Peggy i'6)E—Ft9 I41 South Kaki Sat 1 ao cr) are $125000 ed year-roun- 3t cif: Com 41 '88 -6 876 500 Assume FHA momjage 8eauteul immsculate bock home 3 berms on mum new lull:hen rew most Charmsegt Barbers 484 2508 Every home features quality style and value including designer kitchens spacious mastersuites cozy fireplace vaulted ceilings attached garages membership in the exclusive Crosspointe Sports Club with tennis d racquetball swimming aerobics weight training spa and much much more! -- te dttre closeout sale of these condomMiums exclusive California-styl- e Come pick your model today! Bank-order- ts 3 Prices start in the 80's!! RIGHT PRICE! CALL COLLECT FOR FURTHER DETAILS: REAL ESTATE CLOSEOUT SALE! --- axe LOCATION GROUP I -1- '''t- Law:td:L-::- 848900 ST GEORGE RAMSEY iEXCLUp VILLAG 6400 West 3940 So PRIME it:i: i TT v 1- 4&I ø11( rip r it -1 vilkr (1 Tp 3 - ):t1t ' AvG - - ' lia IVE----- t- f II '"- - aa Inc ITIN Front to back splits We've got the home for you at the ' taki3111 t 80260 Phoenix Al 85060 1990 Cowles Syndicate Box Multi-level- '3113'Thli t i 1 4- - -- - ' 0:t c It'll never take the place of liquid savings but for a young couple with a first home the modest acceleration of payments on mortgage prindpal can build up a solid equity dramatically Our leaflet "Free and Clear Getting the Mortgage Monkey cm your Back" explains how Send a long stamped sesaadressed envelope and $2 to cover costs to Don Campbell PO Ramblers T or (Stfui P taken one or the other in one state you'll probably not have to take it in another Full reciprocity however is a lot less common Finding out who accepts what — state by state — is tricky and probably the best guide is the Narello's annual publication "Digest of Real Estate Laws" which among many other items of interest to real estate broers includes a survey of questions — whether for instance if you move from Ohio to California you'll have to retake the broad general exam or not Unfortunately you won't find it in a library and it's available only from Narello — made up of members of state agencies concerned with real estate licensing — at $30 a crack (PO Box 129 Centerville Utah 84014-012For really detailed information Francis suggests it's best to contact the Real Estate Commission in the state in which you're interested Their addresses and phone numbers are also a part of the annual digest NIGH TRAFFIC D0166601111 am CORNER largo VOCOr6 36 b4dg Nipods re1l060669 Oete 16066064 set DARLENE SOLORIO |
