If you are a FIRST TIME HOMEBUYER and WANT TO BUY A HOUSE, then now is the time. The process can be easy, much easier than in the past. It is important that you work with someone you feel comfortable with.
First you should get pre-qualified for a loan. There are many different loan programs available in today's market and a loan officer can help you select the best one for you. I have the best loan officer who can pre-qualify you over the phone. You will be surprised how much you can qualify for with today's record low interest rates.
Once you know what you can afford, it is time to figure out what is most important to you in a home. This will be the basis of your search. I can search different criteria, so this will help find you the best house for your money.
Looking on the internet yourself, can help educate you to what is available... but many of the homes you will find might be short sales and have pending offers in on them.
I can narrow your search to only available properties for you to see, this helps in some of the frustration that most buyers experience when searching for themselves. I am also alerted to any new listings the day they come on the market.
So, If you WANT TO BUY A HOUSE and WANT TO WORK WITH THE BEST REAL ESTATE AGENTin the Rogue Valley, give me a call. I can get you pre-qualified and we can start looking the same day ! So, Let's go shopping !
Servicing Medford, Jacksonville, Central Point, Eagle Point, Talent, Phoenix, White City, Sams Valley, Rogue River and Wimer.
Cheryl Malone
Real Estate Broker
Windermere Investors Marketplace
541-951-1960
http://www.cherylmalone.com/
Showing posts with label Rogue Valley. Show all posts
Showing posts with label Rogue Valley. Show all posts
Wednesday, July 6, 2011
Thursday, June 30, 2011
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/
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/
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"!
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?
Saturday, June 25, 2011
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
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
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
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
How To Buy A Home In Medford with The Best Realtor in Southern Oregon
How to buy a home in Medford with The Best Realtor in the Rogue Valley and Southern Oregon...
The process of buying a home can seem daunting, but it is actually pretty simple! There are stages and different steps in the process, but to simplify it here is a short list:
1) Get prequalified or preapproved for a home loan. I recommend you do this by calling David DuBeau (see contact info below). In my opinion he is THE BEST LOAN OFFICER IN MEDFORD, OR!
2) Once you know what you are approved for, decide where you would like to find a home to live in, and what kind of a house you would like to live in (New, foreclosure, Stick Built, Manufactured, etc). If you need help, talk with Cheryl Malone (ME!) about what your thoughts are, or call and ask advice on what you should do.
At that point, "Lets Go Shopping"!
It really is that simple! There are other details to think about for sure, but any questions you have can be answered along the way by your loan officer and Realtor.
You can contact David for a prequalification or preapproval any way below. To talk to me about buying a home - look to the right of this blog, or, here is the best way to reach me as well:
Mortgage Loan Officer
C: 541.292.9663
O: 541.608.1800
david.dubeau@sterlingsavings.com
www.daviddubeau.net
Feel free to read some of my other blog posts if you have more questions and good luck in your search!
www.sellingoregonhomes.blogspot.com
The process of buying a home can seem daunting, but it is actually pretty simple! There are stages and different steps in the process, but to simplify it here is a short list:
1) Get prequalified or preapproved for a home loan. I recommend you do this by calling David DuBeau (see contact info below). In my opinion he is THE BEST LOAN OFFICER IN MEDFORD, OR!
2) Once you know what you are approved for, decide where you would like to find a home to live in, and what kind of a house you would like to live in (New, foreclosure, Stick Built, Manufactured, etc). If you need help, talk with Cheryl Malone (ME!) about what your thoughts are, or call and ask advice on what you should do.
At that point, "Lets Go Shopping"!
It really is that simple! There are other details to think about for sure, but any questions you have can be answered along the way by your loan officer and Realtor.
You can contact David for a prequalification or preapproval any way below. To talk to me about buying a home - look to the right of this blog, or, here is the best way to reach me as well:
Cheryl Malone (THE BEST REALTOR IN MEDFORD, OR!)
Windermere Investors Marketplace
C: 541.951.1960
www.CherylMalone.com
David DuBeauWindermere Investors Marketplace
C: 541.951.1960
www.CherylMalone.com
Mortgage Loan Officer
C: 541.292.9663
O: 541.608.1800
david.dubeau@sterlingsavings.com
www.daviddubeau.net
Feel free to read some of my other blog posts if you have more questions and good luck in your search!
www.sellingoregonhomes.blogspot.com
Sunday, February 20, 2011
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
Real Estate has been very good to me... want to hear my story... give me a call 541-951-1960 Cheryl
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