Looking for a LIST OF FORECLOSURES in MEDFORD, OREGON ?

Looking for a LIST OF FORECLOSURES in MEDFORD, OREGON ?

Most people's idea of a FORECLOSURE is a beat up old house that needs loads of work.  This is not always the case, especially in today's market.  I can give you a LIST of FORECLOSURES that the previous owners spent time and money upgrading and are a great deal at today's prices.

If you would like a LIST of FORECLOSURES in the ROGUE VALLEY including MEDFORD, CENTRAL POINT, JACKSONVILLE, EAGLE POINT, WHITE CITY, SAMS VALLEY, ROGUE RIVER or WIMER you have come to the right place.

I can search any of these locations and email you a LIST of FORECLOSURES in your price range.  You will be surprised at what your money can buy today.

This LIST of FORECLOSURES will include pictures and all the details you will want to know... call me at 541-951-1960 and your list is on it's way !

Cheryl Malone
Real Estate Broker
Windermere Investors Marketplace
541-951-1960

http://www.cherylmalone.com/

Get USDA 100% Financing Loans w/ the Best Real Estate Agent and Loan Officer in Rogue Valley Oregon

A USDA Guaranteed Home Loan is a government insured 100% purchase loan. There is no required mortgage insurance with this loan which makes it even more affordable!

This means that you can literally buy a home with 0 down, 100% financing, and even have the seller pay your closing costs if you have the BEST REAL ESTATE AGENT AND BEST LOAN OFFICER working for you!

These USDA loans are offered in specific areas, but you would be amazed at how many areas actually qualify for this loan.

The only areas that have SLIGHT restrictions on where your house can be located is in main congested areas. Most of the areas in Jackson County, Southern Oregon or the Rogue Valley pretty much qualify (there are some spots that may not - Call us for a map).

THE BEST thing you can do is contact us and we can give you a link to check if the address of the home you want qualifies for the 100% financing or not.   If not, there may be other programs that you qualify for.

We can also prequalify you for the loan - and just a heads up, David can still close loans in only 2-3 weeks!

If you are looking to buy in any of these areas:  Medford, Central Point, Jacksonville, Eagle Point, Talent, Phoenix, Ashland, Jackson County, Rogue River,  Wimer  and Sams Valley or anywhere on the West Coast for that matter then I would love to help.

If you need a home to buy, or a home loan, I suggest you call THE BEST REAL ESTATE AGENT AND LOAN OFFICER IN MEDFORD, OR   and... "LETS GO SHOPPING!"

CHERYL MALONE
Real Estate Broker/Realtor
Windermere Investors Marketplace
Cell:  541.951.1960
www.CherylMalone.com

DAVID DUBEAU
Loan Officer
Cell:    541.292.9663
Direct: 541.608.2161
http://www.daviddubeau.net/

Remember, the first step in buying a home or refinancing is to get pre-qualified on a home loan! Sellers do not like to deal with buyers who might not qualify. There are plenty of different options out there (even other 100% financing options) As always, your comments are welcome

USDA 100% Home Loan Financing by using Best Real Estate Agent & Loan Officer in Rogue Valley

A USDA Guaranteed Home Loan is a government insured 100% purchase loan. There is no required mortgage insurance with this loan which makes it even more affordable!

This means that you can literally buy a home with 0 down, 100% financing, and even have the seller pay your closing costs if you have the BEST REAL ESTATE AGENT AND BEST LOAN OFFICER working for you!

These USDA loans are offered in specific areas, but you would be amazed at how many areas actually qualify for this loan.

The only areas that have SLIGHT restrictions on where your house can be located is in main congested areas. Most of the areas in Jackson County, Southern Oregon or the Rogue Valley pretty much qualify (there are some spots that may not - Call us for a map).

THE BEST thing you can do is contact us and we can give you a link to check if the address of the home you want qualifies for the 100% financing or not.   If not, there may be other programs that you qualify for.

We can also prequalify you for the loan - and just a heads up, David can still close loans in only 2-3 weeks!

If you are looking to buy in any of these areas:  Medford, Central Point, Jacksonville, Eagle Point, Talent, Phoenix, Ashland, Jackson County, Rogue River,  Wimer  and Sams Valley or anywhere on the West Coast for that matter then I would love to help.

If you need a home to buy, or a home loan, I suggest you call THE BEST REAL ESTATE AGENT AND LOAN OFFICER IN ROGUE VALLEY, OR   and... "LETS GO SHOPPING!"

CHERYL MALONE

Real Estate Broker/Realtor

Windermere Investors Marketplace

Cell:  541.951.1960

www.CherylMalone.com

DAVID DUBEAU

Loan Officer

Cell:    541.292.9663

Direct: 541.608.2161

www.DavidDuBeau.net

Remember, the first step in buying a home or refinancing is to get pre-qualified on a home loan! Sellers do not like to deal with buyers who might not qualify. There are plenty of different options out there (even other 100% financing options) As always, your comments are welcome

Best Real Estate Agent in Medford Oregon - Cheryl Malone - Windermere Investors Marketplace

If you are thinking about buying or selling real estate in the Rogue Valley then you need to have the best Real Estate Agent working for you.

 

I believe in providing the BEST service possible to all of my clients.  Communication is key to any successful transaction.  All phone calls are returned promptly and you are never left in the dark.

While your property is listed with me, we work together to obtain the best possible sales price in today's market. I have a unique marketing plan for each and every property.

When you are ready to buy, it is not just a house you are looking for - it's a home.  By listening to your needs I can make that happen.

I have been in the real estate business since 1987... I am licensed in Oregon and California.  I have bought, managed, listed and sold many homes and apartments throughout my career.  I would be happy to answer any questions you might have.

I service the Rogue Valley including Medford, Jacksonville, Central Point, Talent, Phoenix, Eagle Point, White City, Rogue River & Wimer Oregon.

Cheryl Malone - Service you won't be disappointed in!
541-951-1960

How To Get Pre-Qualified or Pre-Approved For a Mortgage (Or Home Loan)

Working closely with a lender is an important part of my business.  I like to stay informed and help my clients understand everything about buying a home.  Many people have heard a lot of real estate terms, but don’t always know what they mean.  I asked a loan officer to help explain the initial qualification process for me.  This is what he had to say about Pre-Qualifing/Pre-Approvals:

This is a touchy topic these days with all the different regulations and laws that have come out. Everyone has to step lightly as to not get in trouble for saying the wrong things that could be taken as misleading or misguiding.


Take for example the words pre-qualification, and pre-approval. As a loan officer, you are not allowed to market a "Pre-Approval" anymore because "Approval" indicates you just approved a person for a specific loan. Although loan officers can issue pre-approvals, it is not allowed on marketing materials because it simply cannot be done correctly until a borrower has picked out a property, and a full loan application has been made.


"Pre-Qualification" simply means to sit down and cover the very basics of getting a loan. This simply means that you are "Qualified" to apply for a mortgage and have high chances of obtaining a mortgage and so this is the lingo they want loan officers to use. This is what realtors and sellers want to see happen before you write an offer on a house. Once you have a letter from a lender they then begin to take you seriously.


This is good for you too. You need to know you qualify for a loan (mortgage) before you buy anyway. And after the process is complete the loan officer can tell you how much money you qualify for, what payment ranges will be, and also a lot more needed information that you might not realize you need to know.


The process usually should take only 10-15 minutes. You can fill out information online, over the phone, or in person. Most people love a in person meeting at their place of business because of fraud these days. 


What information a loan officer will need during the pre-qualification is your rough estimated income (gross- not after taxes!) to see what debt to income ratios you are at. He then talks to you about your overall credit situation, and then other details associated with each individual that may effect things like if you have any money to put down, etc. Every transaction is different and it is best at this point to be very open and give all the information you can.


After you sit and talk, your loan officer should be able to tell you what loan programs you qualify for or if there are any challenges you need to overcome before looking for a home. But, if you do qualify, your loan officer should issue a letter for you to give to your realtor to put an offer in on a home you love!

If you want to do this, contact David:

David DuBeau – Loan Officer

Sterling Savings Bank

541-292-9663

541-608-2161

www.DavidDuBeau.net

Once you're pre-approved, "Let's Go Shopping!"   Shopping for a home has never been easier.  I can send you information via email so you can preview many homes from your computer.  Then, you can select which ones that best fit your criteria and then we see those in person.   We can have you in a home sometimes in less than 30 days.

For a list of properties, give me a call:

Cheryl Malone – Real Estate Broker

Windermere Investors Marketplace

541-951-1960

www.CherylMalone.com

Remember, the first step in buying a home is to get pre-qualified on a home loan! 

Sellers do not like to deal with buyers who might not qualify. There are plenty of different options out there (even up to 100% financing). 

So get the best Realtor / Real Estate Agent and Loan Officer in Medford and the Rogue Valley working for you today.

When is it a good time to make a good first impression?

Always.  In this market many homeowners are anxious to sell their homes.  Like most people, they too want to get top dollar for their home. 

Buying a home is an emotional time for many buyers, especially 1st time homebuyers.  When they walk into a house, they want it to feel like a "home" - their home.  Therefore, it is very important for sellers to prepare their home to grab the attention/emotion of the buyers.  If done right, it can have a very positive result.

It starts with decluttering, rearranging and cleaning.  Every detail should be addressed.  You will be surprised at the difference this will make.  If you have a budget that can afford it, you should bring in a stager or decorator.  You may be able to get someone for a few hours to give you advise on colors or furniture arrangements.  This will be money well spent.  You will sell your house faster and probably get closer to asking price if it shows well.

Remember, you need to have a good first impression and then build from there.

Call me if you are interested in this type of marketing approach.  I have people I work with that can help us get you on the road to selling your home.

Servicing Medford, Jacksonville, Central Point, White City, Phoenix, Talent, Eagle Point and Sams Valley Oregon.

Cheryl Malone
541-951-1960

Investment Property - It's A Great Deal - Invest In Your Future

If you are thinking about investing in rental property... now is the time.  In addition to purchasing a home for your primary residence, one should consider purchasing a rental property too.  It is not as scary as it might seem. 

Once you have decided that this might be an option, you should contact a local realtor in your area to find out what kind of property would best suit your needs.  Some people prefer an apartment building (2+ units) and some prefer a single family residence.  After deciding on which type of property you feel most comfortable with (they each have an advantage), ask your realtor to refer you to a property management company that is reliable.  Set up an appointment and interview several to get a feel for what services they offer.

Single family homes are nice because you have only one tenant to deal with.  These tenants seem to have a sense of "pride of ownership" and may take better care of your property (although that is not always the case!).  Multifamily units (2 or more units) can have more of a turnover, but when you do have a tenant move, the loss of rent is a fraction of what it would be on a single family home.  Ask your property managerand Realtor what they have experienced in your area.

According to AXIOMetrics, an apartment market research firm in Dallas, said last year was one of the best periods for landlords over the past 15 years and may mark a turning point in the short term.  With supply in demand, rental properties are a good investment.

You can manage the property yourself, if you feel comfortable doing so... keep in mind that you must know the local rental laws and codes in your area.  If you prefer, you can hire a property management company and they will handle everything for you for a monthly fee.

I have had many, many years managing rental property for myself and others.  It can be a very rewarding experience, if handled right.  Other advantages include tax deductions and appreciation on the value of the property.

If you have any questions or think you would like to take the plunge... give me a call.

Cheryl Malone

541-951-1960

Check out my other blogs:
www.sellingoregonhomes.blogspot.com

Craigslist and eBay - How To Get Rid Of Stuff.

Do you know how to get rid of all that stuff you don't want to take with you when you move?  These days the answer could be only a click away.

Craiglist is great for finding a home for the larger items around your house.  It is very easy to post something on this site, all you need is an email address.  It is helpful if you take pictures of your items, as most people want to see what they are buying before they make a trip out to your house.  You can attach up to four pictures of your item. 

Remember when taking pictures for the Internet, don't make the picture size to large.  It will take to long to load them and some files will not be transferred at all.  You can set your camera to a smaller pixel size or resize them once you load them on your computer.

eBay is another great place to sell smaller items.  It is easy once you set up your account and it is helpful if you have a Paypal account too.  You canset up an auction for your item or just set a fixed price with a "Buy It Now".  You are charged a fee to list the item and then if it sells they charge you another fee.  But, it is worth it.  You would be amazed at what people are looking for and buy on eBay. 

You can actually set up an account with the shipping companies and do all of your shipping from home.  You can use UPS, FEDEX, and United States Post Office.  All you need is a scale and some sticky labels.  This is the best part, you don't have to go down to the post office to mail something that you sold for $5, you just do it from your house and drop it off in the mail box at the corner.  How easy is that.

So, if you are thinking about moving or just want to clean out your "stuff" (everyone has stuff) then consider these options.  You will be surprised at how the $$$$ add up.

Check out my other blogs:  http://www.sellingoregonhomes.blogspot.com/

So You Want To Own A Rental ? Why Not Buy A House For A Rental?

Buying rental property is a great idea, especially in this market... the prices are great and with the super low interest rates it can be very affordable.  In the past with the higher housing prices it was hard to get the rent to cover the payment/expenses.  This has changed in many areas with the prices being as low as they are right now, it can work out to be a very sweet deal. 

Many people are looking to rent a house because they have lost theirs to foreclosure or a short sale.  So, the demand for rental homes is good right now.  I bought my first house with the intention of living there, but then figured out that I could rent it out for pretty close to the payment.  This was a good thing... it has turned out to be a wonderful investment.  I still own that same rental house 27 years later. 

I always felt that buying a house as an investment was better than buying an apartment building.  You only have to deal with one tenant and a lot of tenants who rent homes, seem to want to take good care of it.  Especially, if they were homeowners before.

Anyway, food for thought... maybe you can invest in your future too and buy a rental house !


Check out my other blog:

http://sellingoregonhomes.blogspot.com/2011/02/rent-vs-own-should-i-buy-house-in.html

Is Spring A Good Time To Sell My Home? When Is A Good Time To Sell My House?

Many people wonder if spring is a good time to sell their house?  Spring time sounds like a great time to sell your home because the clouds have lifted, the grass is green, the flowers are blooming and the trees are full of leaves.  The place looks great.  And now that most people have recovered from the holidays, the hope is that the fresh air and breeze with blow a buyer in to their yard.  Well, this could very well happen -- but there are advantages in putting your home on the market before spring arrives.

There is usually influx of houses coming on the market in March & April each year.  Putting your home on the market before spring and even during the winter months can give you a better chance of getting an offer.  There is less competition at that time of the year and a lot of buyers who are out looking during the winter months are very serious buyers... not just out for decorating ideas!

So, those of you who are still on the fence and are waiting for the flowers to bloom to list your house, maybe you might want to spring into action now before the competition arrives.

Other blogs:

http://sellingoregonhomes.blogspot.com/2011/02/no-money-down-or-100-financing-options.html

http://sellingoregonhomes.blogspot.com/2011/02/oregon-real-estate-transfer-tax-we-need.html

http://sellingoregonhomes.blogspot.com/2011/02/want-to-buy-home-in-medford-oregon-how.html

http://sellingoregonhomes.blogspot.com/2011/02/to-buy-or-not-to-buy-real-estate-that.html

http://sellingoregonhomes.blogspot.com/2011/02/100-financing-available-on-real-estate.html

Oregon Real Estate Transfer Tax - We Need Your Help - No More Tax !

I just cut and paste this email I received... lets not let this happen... check out the website below and sign the petition.  Thanks in advance for your help...

Home ownership has long been the cornerstone of the American Dream. A real estate transfer tax pushes this dream a little farther out of reach for families. Unfortunately, most areas of Oregon already have the dubious distinction of being some of the least affordable housing markets in the country. A tax on the sale or transfer of real estate would make it even more unaffordable.

Consider the first time homebuyer: After several years a young family finally saves up enough money for a down payment to purchase their first house. Imagine if they also had to come up with a 1.97 percent tax on their $200,000 home. This would add an additional $3,940 in closing costs. As most of you know, this could easily be the difference that forces them to walk away.

What is a real estate transfer tax? This is a tax imposed by a state, county, or city when ownership of property (agricultural, commercial or residential) is sold or transferred. In simple terms, it is a sales tax on your home or property. Real estate transfer taxes are usually one-time fees paid at the time of closing and are usually a percentage of the selling price (rates typically vary from .1% to 4%) of the property value. This could result in multiple layers of taxation on a single transaction and is imposed whether or not you make any profit on the sale.

Lets keep the American Dream alive for the First Time Homebuyer, young and old alike. 

You can help prevent this tax from being imposed in Oregon.

Visit  http://www.protectoregonhomes.com/   to get involved and protect the dream of home ownership for all Oregonians.

View my other blogs:
http://sellingoregonhomes.blogspot.com/2011/02/want-to-buy-home-in-medford-oregon-how.html

http://sellingoregonhomes.blogspot.com/2011/02/to-buy-or-not-to-buy-real-estate-that.html

http://sellingoregonhomes.blogspot.com/2011/02/100-financing-available-on-real-estate.html

TO BUY OR NOT TO BUY REAL ESTATE - That IS the question !

Wow, what a question.  Will property values fall any lower?  Will there be more foreclosures & short sales?  Can I get a better deal on a home if I wait longer?  How long will it take for the market to fully recover?  THESE ARE GOOD QUESTIONS TOO.  I guess nobody really knows the answers to these questions, but what I do know is that a real estate investment can be a very, very good thing... if you think long term.  There is NO QUESTION about that. 

Real Estate has been very good to me... want to hear my story... give me a call 541-951-1960 Cheryl

100% Financing Available On Real Estate --- Let's Go Shopping !

I talked with David and Micah Dubeau from Sterling Savings Bank again today regarding financing options.  They are always so excited to talk with potential buyers, because there are so many great loan programs available right now.  These guys are great, very creative and think outside the box to get you qualified and get the deal closed. With historical low interest rates and lots of great homes on the market to choose from, we all agree that NOW IS THE TIME - to GO SHOPPING for your DREAM HOME !  

They have extended the First Time Homebuyers $8000 tax credit to qualifing veterans for a limited time only.  David and Micah are veterans themselves and they love helping fellow vets. There is 100% financing available to many veterans and 100% USDA financing available to non-veterans on many homes in Jackson County. 

It is SO EASY to see if you qualify... just give me a call at 541-951-1960 anytime and we will get you started.