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/

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

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

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

FACEBOOK ANYONE ?

How many people have a Facebook or should I ask how many people don't?  Facebook has been very good to me.  I have reconnected with some of my old friends from school, which has been a lot of fun to see where their lives have taken them.  It is definitely a way to feel connected to people on a regular basis, without feeling like you are intruding into their life.  They post what they want you to know and it takes off from there into some interesting places !

It is nice that you can select who you want to be "friends" with and share only what you want to share with others.  Overall, it is fun to have.  Now in saying that, you can have too much fun if you get addicted to the games they have like Farmville and Cafe World.  I use to plan my whole day around when my "Farmville" crops were going to be ready to harvest.  Ain't that a hoot !  Luckily that only lasted for a few months and then I wised up and quit playing, cold turkey.  My farmhouse and crops have probably turned to dust and tumbleweeds by now... I don't dare go and check.

I just made a Facebook page for my business, I have not put anything on it yet.  Hopefully it will be a fun and informative place for my clients to check out.  We will see how that develops.  Happy Facebooking !

Check out my other blog:

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

Rent vs Own - Should I Buy A House In Today's Market?

Over the last several years many people have asked if they should buy a house in today's market.  When is a good time to buy a home?  It is hard for some tenants to make the leap into homeownership, to begin with.  It can be a scary and an exciting time for most 1st Time Homebuyers.

The benefits of owning your home are terrific: from tax deductions to building equity and the plain old pride of owning the place where you live.  If you have to pay to live somewhere, why not have that money work for you.  For example:  if your monthly rent is $1,100 per month you can figure that after 10 years you would have spent $132,000 on housing.  Yes, believe it or not that figure is correct.  That money is gone and you will not be able to recoup any of it.

In today's market some buyers can purchase a home with 100% financing with payments at $1,100 (or less) per month.  You are still paying the same monthly amount, but now you are putting that money to work for you.  Each month you are paying down the principal on your loan, earning a tax right off, and best of all gaining equity in your home.  When the real estate market picks up and home values increase each year, your equity continues to build.

Don't be afraid to buy a home in this market.   Actually, now is the best time to buy a house... interest rates are low, housing prices are low and funding is available.  So this is a shout out to all those tenants out there, let's see what you can afford and experience "The American Dream" - homeownership.

If you live in Medford, Jacksonville, Eagle Point, Central Point, Talent, Phoenix, White City, Rogue River, Gold Hill or Sams Valley, Oregon then I have some great loan officers that can help get you get qualified.  It is easy and just takes a phone call - yep - just a phone call.  Call David or Micah Dubeau from Sterling Savings Bank at 541-292-9663,  they will take good care of you, I promise !


My other blogs that may interest you:

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

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

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