Showing posts with label Oregon. Show all posts
Showing posts with label Oregon. Show all posts

Saturday, August 6, 2011

FIRST TIME HOME BUYERS - Housing Interest Rates Are More Affordable Than Ever!

Housing Interest Rates Are More Affordable Than Ever!
Calling all FIRST TIME HOME BUYERS !  Interest rates over the last few weeks have plunged even lower making an enticing invite for anyone sitting on the fence thinking about buying.   It is a great TIME TO BUY A HOME.
With the rates down this low, some are even buying the rental they live in and their payments are dropping - saving them a ton of money AND they are now owners of the property investing and not throwing money away!
You will be amazed at what you might qualify for and with the low housing prices you could finally afford your dream home.
The first step is to give me a call – I have a great loan officer who can pre-qualify you over the phone ! 
So, if you want to work with the BEST REALTOR IN MEDFORD, OREGON then call me - anytime.  You can also go to my website for a snapshot of the market and see what homes recently sold for and where the best deals are.
If you are a FIRST TIME HOME BUYER or just want to invest in Real Estate – now is the time. 
Cheryl Malone – Real Estate Broker
Windermere Investors Marketplace
541.951.1960
www.CherylMalone.com

Once you are pre-qualified for a home loan, I would love to help find your dream home - "Lets Go Shopping!"
Servicing the Rogue Valley including Medford, Central Point, Jacksonville, Talent, Phoenix, Eagle Point, Sams Valley, Rogue River & White City Oregon.

Tuesday, June 28, 2011

Investment Properties - Jackson County, Medford, Ashland, Jacksonville, and Southern Oregon: Investors Are Moving In

Investment Properties - Jackson County, Medford, Ashland, Jacksonville, and Southern Oregon:
Investors Are Moving In!

Distressed properties are everywhere on the market, and housing affordability has jumped to levels not seen in 20 years.

The National Association of Home Builders (NAHB) / Wells Fargo Housing Opportunity Index (HOI) for the fourth quarter 2010, reveals that 73.9 percent of all new and existing homes sold were affordable to families earning the national median income of $64,400.

How To Find Deals:

(Call me for a list of Foreclosures/Bank Owned Properties & Short Sales)  I will send them to you by email and you will be able to view all the details along with pictures of the property.

The Realtor you are working with should be able to show you all of the distressed properties on the market. If you are not working with a Realtor yet, or having problems with your current one you are working with, call me - I would love to help!

Here is a great place to start looking:
1) Foreclosures, or REO's (bank owned)
2) Short Sales
3) Other properties that are discounted like fixers (or fixer-uppers) for example.

These homes all usually have deeply discounted prices and are great to invest in!

If you have any questions, contact:

CHERYL MALONE - Realtor
Windermere Investors Marketplace
541.951.1960
http://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 other 100% financing options) so just call:

DAVID DUBEAU
Loan Officer
541.292.9663
www.DavidDuBeau.net

Once you are pre-qualified, "Let's go shopping"!

Monday, June 27, 2011

Should I Buy A House Right Now? Are There 100% Financing Options To Buy A House?


Should I Buy A House Right Now?  
The short answer?  YES!
The best time to buy is when things are on discount and now more than ever before things are CHEAP.   
What that means is that buyers CAN afford to buy houses right now.
Lenders are lending money.
Now is the best time to buy a house… low interest rates and low housing prices… now is the time !
David DuBeau is still closing loans and still has many 100% financing options, "First Time Home Buyer" programs, and other products all the way to your normal conventional loans.  I always recommend you should check with us if you are wanting to buy a house right now.
CHERYL MALONE – Real Estate Broker
Windermere Investors Marketplace
541.951.1960
www.CherylMalone.com

DAVID DUBEAU – Loan Officer
541.292.9663
541.608.2161
www.DavidDuBeau.net

Remember, the first step to take if you want to buy a house 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)
Once you are pre-qualified, "Lets go shopping!"
OTHER RELATED BLOGS:
Are you on the fence about buying a home?
What are closing costs?
What is the difference between a Forecosure, REO, and Short Sale?
What kind of credit do I need to buy a home?

Wednesday, June 22, 2011

VA Home Loan Benefit - The IRRRL (Interest Rate Reduction Refinance Loan)

VA Home Loan Benefit - The IRRRL (Interest Rate Reduction Refinance Loan)

Many veterans do not understand one of the best benefits of their VA home loan. It is designed to allow you to lower your interest rate and monthly payments. It is called an IRRRL: Interest Rate Reduction Refinance Loan.

An IRRRL is a streamline refinance process which allows you to refinance without an appraisal to take advantage of a lower interest rate! There is minimal documentation needed and a long as your payments have been made on time you should be able to qualify.

These loans can be closed quickly and provide relief when it is needed in a down market.

If you want to lower your payments or interest rate on your VA loan, or to apply for a VA loan, call the Best Loan Officer in the Rogue Valley to discuss your options:

David DuBeau
541.292.9663
541.608.2161
www.DavidDuBeau.net

Once you are prequalified for a VA home loan:

Call The Best Realtor In The Rogue Valley,
Cheryl Malone at Windermere Investors Marketplace and "Lets Go Shopping"! 
541.951.1960  www.CherylMalone.com

OTHER RELATED BLOGS:
How Do I Use My VA Home Loan?
http://daviddubeau.blogspot.com/2011/02/va-home-loan-how-do-i-use-my-veteran-va.html
What is a "Preapproval Letter"?
http://daviddubeau.blogspot.com/2011/02/what-is-preapproval-letter-when-buying.html
Should I Buy A Home Right Now?
http://daviddubeau.blogspot.com/2011/02/should-i-buy-home-right-now-john.html
Is it cheaper to rent, or buy?
http://daviddubeau.blogspot.com/2011/02/it-is-cheaper-to-buy-than-rent-home.html

What is the difference between a Foreclosure, REO, and Short Sale?
http://daviddubeau.blogspot.com/2011/02/difference-between-foreclosure-and.html

Monday, June 13, 2011

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

Tuesday, June 7, 2011

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.

Monday, March 14, 2011

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

Saturday, March 12, 2011

Habitat For Humanity - How You Can Help

You might have heard of Habitat for Humanity before so I have included a link to their site. They raise money to build homes. As a realtor, I feel that homeownership is very important.

This is what it says on their website...

"Habitat for Humanity International is founded on the conviction that every man, woman and child should have a decent, safe and affordable place to live. Through volunteer labor and donations of money and materials, Habitat and its homeowner families have built or rehabilitated more than 400,000 houses. A nonprofit, nondenominational Christian housing ministry, Habitat invites people of all backgrounds, races and religions to build together in partnership." I have been volunteering for them and it is a really great organization.

There are several different ways you can help.

* You can help build the homes... even if you have no construction experience, there are things for you to help with - so don't let that stop you.

* You can volunteer in their "ReStore"... which is where they sell new and used donated building supplies to raise money for their projects.

* You can donate money... which is always needed.

It is a great way to help people in your community... give it a try.

Here is the link to their website.

www.habitat.org/cd/giving/lander/lander.aspx?st=My8xMi8yMDExIDI6MTk6MTUgUE0%3d&media=GooglePd&source_code=DHQOQ1008W1GGL&keyword=brand&tgs=My8xMi8yMDExIDI6MTk6MTUgUE0%3d

Thursday, March 10, 2011

Want to buy a home with no money down?

If you want to buy a house with no money down, you have come to the right place.  Luckily, there are programs out there that allow 100% financing.

Many people today have lost their retirement investments or equity in their homes, but still make enough money to afford a house payment.  There are many benefits to owing a home like tax deductions, pride of ownership and appreciation in value.  With todays interest rates and low home prices, it is a great time to take advantage of these 100% financing programs.

If you are a veteran you may qualify for a 100% financed VA loan.  There is also a 100% financing USDA program for rurual properties.  Both of these programs allow for the seller to pay a portion of your closing costs.  How much better can that get?

So, give me a call and we can see if you can fit into one of these programs.  A new home is just a phone call away !

Cheryl Malone
541-951-1960

Saturday, March 5, 2011

What To Look For In A Property Manager.

Are you thinking of hiring a property management company to handle your rental property?  How do you pick a good property manager?

I have had rental property most of my life.  I had worked as a property manager for many years.  Here are 10 things that one should consider when hiring a property manager.

1-Do they return your calls in a timely manner?
2-Do they give you copies of workorders and receipts for repairs?
3-Do they get more than one estimate on repairs?
4-Do they use a handyman whenever necessary instead of a contractor?
5-Do they do routine inspections or drivebys?
6-Do they check for hazards, leaves on the roof, unkept yards, or potential problems?
7-Will they take a picture of the property and send it to you?
8-How/where do they advertise your vacancy?
9-Are they raising the rents to keep up with the market?
10-Are they notifiing you if the rent is not collected on time?

These are all important aspects of property management.  These items should be part of their monthly serive fee.  Don't let them collect their fee and then charge you for inspections & time getting work done - those should be part of their job.

A good property manager can make or break your investment.  Don't be afraid to ask questions or check on what services they are providing.

http://www.cherylmalone.com/

Veterans Helping Veterans - First Time Homebuyers Tax Credit - VA Loans

I had this article published in one of our local papers today...

Exciting News For Veterans

Windermere Investors Marketplace in Medford and Jacksonville has teamed up with David and Micah DuBeau of Sterling Savings Bank to let the veterans know that many of them may still be eligible for the $8,000 or $6,500 First Time Home Buyer tax credit.

These credits have been extended to members of the military and certain other federal employees serving outside of the U.S. on qualified extended duty service for at least 90 days during the period beginning after December 31, 2008 and ending before May 1, 2010. However, to take advantage of these credits, an eligible taxpayer must purchase, or enter into a binding contract to purchase, a principal residence on or before April 30, 2011.  The eligible taxpayer then has until June 30, 2011 to close on the purchase.

This is an enormous benefit to our veterans! We do not feel there has been enough media coverage which is why we are trying to get the word out as the window of opportunity is about to close.

There are many financing options available to eligible veterans including 100% loans.  They are easy to apply for and the process has been streamlined.  Often eligibility can be determined within 48 hours, it's easy.  No DD-214 is required.  David and Micah are veterans, having recently served in Iraq themselves and they take pride in serving their fellow veterans.

When you combine a 100% VA loan, a Realtor that negotiates the seller paying their closing costs, a low priced foreclosure home, and an $8,000 tax credit - things get exciting.  Interest rates are at a historical low... it's a great time to buy.  We want all the veterans to experience The American Dream, homeownership.   We would like every eligible veteran to have the chance to take advantage of this great opportunity.  Veterans should check with their tax advisor regarding eligibility.

Sincerely,

Cheryl Malone  541-951-1960
Windermere Investors Marketplace

David DuBeau  541-608-1800
Micah DuBeau  541-608-2161
Sterling Savings Bank

Thursday, March 3, 2011

Are You Looking Out And Saving For Your Future?

When most people think about that question, they usually think about how much money they have in their savings or retirement account.  I think it is really hard for people to put money in the bank and leave it alone.  It is very hard to "save" for the future that way.

There is a better way to save, which still requires some restraint.  Buying a home... and NOT REFINANCING.  Once you buy your home, leave it alone... let the equity build.  You are going to need it one day, when you are old/older.  Is social security going to be there for you?  If so, is it enough?  Probably not. 

My way is a simple and easy way to save - if you keep your hands out of the pot!  Another thing people don't think about doing is paying an additional $100 per month towards the principle on their mortgage.  Don't put that $100 in the bank... include it with your mortgage payment as principle only and at the end of 10 years you will have brought your loan balance down by $12,000.  Wow, that is money in the bank - that you can't touch until you REALLY need it.  How many of you can have $12,000 in the bank and not touch it?  Be honest... not that many.

Food for thought - money in the bank actually!

If you want to buy a house... give me a call - you will be glad you did.

Cheryl Malone
541-951-1960

www.sellingoregonhomes.blogspot.com

Monday, February 28, 2011

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/

Sunday, February 27, 2011

Want To Sell Your Home Fast? What You Can Do To Help.

What can I do to sell my home faster?  This is a question that most sellers should be asking their agents and themselves.  Besides pricing it competitively, there are several things that the seller can do to increase their chances of a fast sale.   You have to remember - you market your home differently than you live in your home.   
With so many homes for buyers to choose from right now, you have to make your home stand out from the rest. There are many ways to do this.

1-    You can hire someone to come in and “Stage” your home.  This entails rearranging your furniture to make the home look more spacious, de-cluttering, putting away personal items, changing lighting, art and paint as needed.  The Staging concept has been very effective in most cases.  This service could run anywhere from $500 on up depending on what is needed.

2-    If you can’t afford someone to Stage your home, then there are several low cost things you can do to help.  The most important is de-cluttering.  You are planning on moving, so go ahead and start packing up what you don’t need right now.  They say you should pack up about half of your belongings and store them in the garage.  If you have a lot of stuff in the closets and on shelves, etc. it gives the appearance that there is not enough storage in the home.

3-    Another thing you should do is put away most/all of your family pictures and personal items on your desk, dresser, counters and bathroom sink.  When buyers walk in they start looking at all your stuff (its human nature) and don’t really visualize themselves living in the house.

4-    Paint is a wonderful thing… it’s not too expensive and is easy to do.  It really makes a difference in the appearance of a “well kept house”.

5-    Cleaning is one of the most overlooked things that should be done.  Clean your mini blinds, ceiling fan blades, light switch covers, baseboards, etc.  A good spring cleaning any time of the year is a must.  The only thing it costs is some “elbow grease” and you will really notice the difference.

These are only a few things you can do.  If you have some larger items you don’t want, try posting them on Craigslist – it is free.  Everyone is using the internet these days, so take advantage of it and put a few bucks in your pocket too.  The smaller items can be sold on eBay.  I have sold many things on eBay, so the possibilities are endless on what you can get rid of.  If you need help with eBay, let me know I can get you set up – it is pretty easy once you know how.
So, if you want to list your house for sale, give me a call and I can help get you get started on preparing your home for sale and getting top dollar.  Remember, you have to do something different then the rest to grab these buyers attention.  Make your house feel like a home and have an advantage over these distressed properties that are vacant and cold.  There are a lot of buyers that want to just move right in and your home could be the one for them!

Cheryl 541-951-1960

Friday, February 25, 2011

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 marketWhen 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

Thursday, February 24, 2011

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

Wednesday, February 23, 2011

No Money Down or 100% Financing Options in Medford, Oregon

It might be surprising to know that in today's market you CAN BUY A HOUSE WITH NO MONEY DOWN.  There is 100% FINANCING AVAILABLE with competitive rates.  I have noticed that there is not much mention of the 100% FINANCING AVAILABLE to Veterans in the local postings of financing options.  This is a benefit to many of our servicemen and I think it should be talked about more. 

If you are looking to buy HORSE PROPERTY in the rural area of White City, Central Point, Eagle Point, Sams Valley, Jacksonville, Phoenix, Talent, Shady Cove, or Gold Hill the property may qualify for a 100% LOAN from USDA.  This is available to anyone who can qualify for the loan, you do not have to be a veteran for this type of loan.

You can get your foot in the door with these types of loans in today's market.  As you build some equity, you trade up to a larger or better house.  There is no better time then today - to knock on that door !

Want to see if you qualify for these types of loans?  It's easy - I repeat - it's easy... give me a call at 541-951-1960 and I can put you in touch with the best loan officers... DAVID AND MICAH DUBEAU.  They are veterans themselves and take great pride in helping their fellow veterans.

Check out my other blogs:

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

Tuesday, February 22, 2011

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