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97045 : Real Estate Advice

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  • Home Buying8
  • Home Selling0
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Activity 16
Thu Apr 20, 2017
Jkhesq asked:
House is set for post-judicial foreclosure auction in 30 days. RMV = $260K. FHA loan payoff is $110K. IRS filed $213K lien. Investors now offer homeowner $55K pre-auction for redemption…
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Tue Sep 6, 2016
Lexi answered:
perhaps you could lookup the owner's info or call t he Tax dept of the county, to see who is the real owner, explain situation, get contact info, then contact them. Also send a letter to the house address, with a note on t he front to usps, saying to forward it. If the same people receive it, that might be a good clue. ... more
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Mon Feb 16, 2015
Alan May answered:
Whenever you allow the public to enter their own rental information, you will find scams. The likelihood is that the $1,895/month rental was the legitimate one, and the $900/month version was a scamster.

I'm sorry that you've had a bad experience, but I think you're over-reacting just a little bit.
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Fri Feb 6, 2015
Lana Luke asked:
I recently inquired about a house in Oregon City. I was e-mailed by the supposed owner who was running a scam and wanted me to send them $1000 through Western Union to them. They advised…
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Mon Aug 18, 2014
503grs answered:
It means the taxes are substancially less for now and the rest are are deffered until the timber is cut. Then you pay taxes on the sale of the timber. When you build on this type of property, 1 acre will be taxed as a home site (full tax rate) and the rest is timber deferred. For example I have 76 acres for sale. It is now $493 per year taxes (tbr deffered). When a home is built 75 acres will be TBR deffered and the taxes on the 1 acre homesite will have full tax rate on it.
Interested in a large piece close in? Check out 20980 S Redland Road, Oregon City.97045
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Sat Apr 5, 2014
Kelly Gebler answered:
I'd be happy to set up a search in Oregon City for you. Just need to know some details about what you are looking for. If you'd like some help - my email address is: LetUsGuideYouHome@comcast.net. Or you're welcome to log onto my website at www.CornerstoneGroupNW.com and set up your own search just in Oregon City. Either way works - just let me know how we can help!

Kelly Gebler, Principal Broker/Owner
Cornerstone Group NW - Keller Williams Realty
503-516-1637
www.CornerstoneGroupNW.com
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Wed Apr 2, 2014
Natasha Ochs answered:
Wells Fargo has a special loan program called CDMP that only requires 2% down for those whose income is less than $56k. It is a 30 year fixed conventional loan. The best part is that there is no Mortgage Insurance Premium (MIP) so your payment will be lower than if you went with an FHA loan with 3.5 % down. Your Debt-To-Income Ratios will then be better and you will qualify for a higher purchase price. I had a couple last year that were only approved to $100k with an FHA loan and through this CDMP program they qualified for $125k, which was what they needed to find a home at that time.

Academy Mortgage has a Down Payment Assistance Program that will give you 3% or 5% that you could use towards the down payment, or to closing costs and prepaids. If your agent is able to negotiate that the Seller pays some of your closing costs then a buyer would have fairly little out of their pocket to close the transaction.
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Fri Feb 7, 2014
Brenda Wiest answered:
Are you on South End Road? If so I would wait because the boundaries may be changing very soon. The final meeting is January 10th, 2014. Also before you decide you should call the city and ask if any changes to the boundary are coming soon if you are on the Beavercreek Rd. , or Henrici Rd. side. Most likely the UGB will stay the same. The majority of the residents are opposed to changing the boundaries.
So.. its your call. Our inventory is very low right now and homes are selling because there are buyers wanting to buy. Your property is on the higher end of the market and traditionally they take longer to sell. But in the OC Beavercreek area it is very desirable.
Best wishes,
Brenda Lund, Broker
Mal & Seitz
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Thu Jan 16, 2014
David Smid answered:
Wed Jan 1, 2014
monk answered:
No. But unless you have money to burn, (pardon the pun) anyone owning a home and not insuring it has rocks in their head! It's not just physical damage you need to protect your wallet against, but the potential liability and/or possible lawsuit against you should anyone get hurt on your property. ... more
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Mon Sep 2, 2013
Priscilla Beggs answered:
The SAFE Act enacted in Oregon in 2010 has made owner-carry contracts very difficult for both the buyer and the seller. Basically, you must qualify, as the burden is on the seller to prove they collected documents from you indicating you can afford to purchase the real property. If you cannot and run into problems later on, the seller would be liable to you to terminate the contract and pay back all monies you paid on the purchase.

Your best bet would be to work on your credit score and get your debt-to-income ratio in line so that you can qualify through a lending institution. It's actually not as hard as you think. Go to creditkarma.com and pull your free credit report. They will give you pointers about how to raise your score.

Good luck!
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Mon Aug 12, 2013
David Peck answered:
Hi,

The first step in finding a property that fits your needs is to confirm with a lender what you qualify for and what type of loan program works best for you. The next step is to contact a realtor so they can start looking for properties for you. I know the Oregon City area well if want to contact me. I wish you the best on your move to the NW. ... more
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Mon Jan 28, 2013
Craig Loughridge answered:
Almost any real estate broker will be willing to provide a free Comparative Market Analysis (a pricing analysis using comparable properties recently sold). Because CMAs can be subjective, I would suggest getting two, so you can compare the price opinions of different brokers.

After obtaining a CMA (or two), if you’re concerned about the accuracy of the reports, or not satisfied with the thoroughness of the broker(s), you should consider getting a fee appraisal. The appraisal process is similar, but the report is more detailed, and the person completing the report is neutral. That is, he has no interest in guiding you toward a price that produces a particular outcome, such as making you willing to sign a listing contract.

Appraisals can only be done by state-licensed appraisers, who can be found in the Yellow Pages of the phone book, or online at http://oregonaclb.org/. A typical appraisal runs about $450 to $500, but can vary depending on the size and use of the property.

Best of luck!
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Mon Jan 28, 2013
Annie Wrucke answered:
For our buyers we dedicate ourselves to paying attendtion to our client's needs. The right property and the right location at the right price. Accredited Buyer's Representative.
My cell number is 971-570-2216
Sincerely,
Annie
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Wed May 11, 2011
Joycelyn Lane answered:
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