Friday, November 28, 2014

12 FREE Real Estate Services provided by Tara Jacobi at Keller Williams Realty, Southern Oregon

12 FREE Real Estate Services 

provided by Tara Jacobi of Keller Williams Realty, Southern Oregon

Tara Jacobi 

Expert Real Estate Adviser Since 1999

 Keller Williams Realty, 1025 Court St Medford OR 97501



Wednesday, October 15, 2014

How to use Jackson County Oregon Property Info website - "Front Counter" Like a PRO!

How to use Jackson County Oregon Property Info website - "Front Counter" Like a PRO!

From Tara Jacobi and  

How to navigate and make the most of the public information website known as Jackson County Front Counter, like a pro. This site has Tons of info on ALL properties in Jackson County Oregon. Medford, Ashland, Jacksonville, Ruch, Central Point, Eagle Point, Shady Cove, White City, Rogue River, Gold Hill, Applegate etc.              

Any questions you would like me to answer about Buying a home, Selling a home or investing in Real Estate in Southern Oregon, please contact me and I would be happy to do a video on the subject.

Tara Jacobi
Licensed Oregon Real Estate Broker
(Superior Real Estate Service & Education Since 1999)
- Keller Williams Realty Southern Oregon -
1025 Court St Medford, OR

Thursday, October 9, 2014

Are you considering FORECLOSURE properties as well?

Are you considering FORECLOSURE properties as well?

If so, please let me know I am now a 
Home Buyer's Specialist in Foreclosure Properties
working behind the scenes with one of the largest foreclosure teams in Southern Oregon.

(see my own experience below)

How can this help you? I can…

  1. Send you complete lists of ALL FORECLOSURES in Southern Oregon 
  2. Send you an alert (email or text) the minute a new FORECLOSURE Hits the market.  
  3. Notify you of  "COMING SOON" Foreclosure Properties up to 2 weeks prior to them hitting the open market. 
  4. Provide any and all county record information regarding the Foreclosed property, taxes and permits
  5. Counsel you on how to spot GREAT DEALS or "Red Flags" in a Foreclosed property
  6. Provide insider information regarding how the Foreclosure Banks make their decisions on pricing, price reductions and in case of multiple offer situation's.
  7.  Walk you through the Foreclosure Inspections, disclosures, financing and appraisal contingencies and deadlines

  Tara's own Foreclosure story: 
2 years ago my husband, Chris, and I purchased a foreclosure (bank owned home)  in Ashland, OR. A 5 brm 3200sf house with huge shop on 1/2 acre for $355,000.  Today it's worth $475,000!!

 Yes, we had to put about $5,000. into the house and all 5 of us spent 2 days painting every inch of the interior, but that was nothing compared to the return we have gained! Now when the last kid leaves the nest in a year, we will down size into a smaller home in the mid $300,000.'s and have a mortgage payment around $800. :) 


Leading Real Estate Expert Since 1999
and Now Specializing in FORECLOSURES 
Keller Williams Realty, Southern Oregon​
1025 Court Street, Medford OR 97501
Fax: 1-877-632-8102
Phone or Text 541-326-2300

Tuesday, September 23, 2014

Why You Should Get Off the Fence About Buying a Home

Why You Should Get Off the Fence About Buying a Home

As the housing market continues to stabilize and show more signs of health and improved conditions, you might be thinking more seriously about purchasing a home, right? Here are some reasons why it's (still) a good Idea to get off the fence — sooner, rather than later.

 Mortgage rates are (still) low
During the recession, the rate on the 30-year, fixed-rate loan averaged 4.32%. Now, rates are close to that, and there's no recession! That means they've got nowhere to go but up — particularly because the Federal Reserve is expected to end its bond-buying program, which has been credited with pushing mortgage rates to historic lows, in October. Granted, rates aren't expected to skyrocket overnight, but don't think that a small uptick wouldn't affect your budget. In fact, if rates were to go up by just 1 percentage point, your purchasing power would be reduced by a whopping 11 percent. To put this in further perspective: If you could afford a $400,000 loan at 4 percent mortgage rates, you could afford a loan of just $356,000 at 5 percent (after a 1% increase in rates)
An even smaller rise in rates — say from 4.5 percent to 5 percent — would add $75 to the monthly payment on a $300,000 house with $50,000 down. To see how much waiting could cost you, specifically, check out Zillow's recent analysis here. (

Home prices are (still) affordable

While home prices, nationally, continue to rise, up nearly 7 percent from July
2013, they are still 11 percent below their 2007 peak. And get this: Home buying is more affordable now than ever before. According to a recent Zillow analysis, U.S. home buyers at the end of the second quarter spent 15.3 percent of their incomes on a mortgage, far less than the 221 percent share homeowners devoted to mortgages in the pre-bubble days. This situation won’t last forever, especially as mortgage rates continue to rise. (According to Zillow Medford, OR is forecasted to continue moderate appreciation over the next year at a rate of 4.6% increases in their home’s values)

Buying is (still) cheaper than renting

No doubt, buying a house is a significant purchase, but in a majority of the
country, It’s (still) cheaper than renting. In fact, in half of metros in the U.S., buying beats renting after only two years. This can be attributed to historically high rental prices that have helped skew the rent vs. buy decision toward buying for those who can afford it So if you can afford to buy, now is the time as rents aren't getting any cheaper!

KEY POINTS from the Zillow article:
  • For most of the past three decades, mortgage rates have declined. But over the next several years, they are projected to increase modestly.
  • As rates rise, new home buyers will confront higher financing costs and monthly mortgage payments. For many, this will mean tightening their budgets and sacrificing some luxuries they may take for granted today.
  • If rates rise by 1 percentage point, monthly mortgage payments will increase between $710 (San Jose) and $65 (St. Louis).

Additional Reading:

The Real Costs of Rising Interest Rates for Homebuyers

Zillow Post by: Aaron Terrazas    Posted date:  August 6, 2014   

Tuesday, September 16, 2014

Zillow- Pre Foreclosure, Foreclosure & Foreclosed homes explained

Zillow- Pre Foreclosure, Foreclosure & Foreclosed homes explained  for real estate in Southern Oregon. A look at the differences between listing types of Medford, OR Homes for sale.
Presented by Tara Jacobi (Superior Service Since 1999)
Keller Williams Realty Southern Oregon 541-326-2300

Thursday, August 28, 2014

Practicing good seller's etiquette when selling your Southern Oregon Home

Practicing good seller's etiquette

Let's face it: When your house goes on the market, you're not only opening the door to prospective buyers, but also sometimes to unknown vendors and naive or unqualified buyers. As with any business transaction, there is an expected protocol to how sellers, buyers and their respective agents interact. Should you find yourself in a sticky situation, alert your agent so he or she can address and remedy the problem.

The aggressive agent
When your agent puts your house on the market, typically all promotional materials state clearly that your agent is the primary contact for buyers and buyers' agents. However, sometimes a buyer's agent will contact a seller directly to try to either win over their business or cut the seller's agent out of the deal. This is not reputable behavior and you should report it to your agent immediately if it happens to you.

The unscrupulous vendor
Have you ever started a business or moved into a new house and suddenly found your mailbox full of junk mail? Unfortunately, this also can happen when you put your house on the market. When you sell your home, it necessitates all kinds of new purchasing decisions and less-than-ethical vendors are keenly aware of this. Though ML
S organizations enforce rules on how posted information is used, some companies have found ways to cull information from various sources to produce mass mailing lists. If you find yourself regularly emptying your mailbox of junk, let your agent know. He or she can tap the appropriate sources to prompt an investigation into the matter.

The naive buyer

Yard signs, Internet listings and other advertisements can generate a lot of buzz for your home. Some prospective buyers - particularly first-timers - will be so buzzed to see your home that they'll simply drop by. If this happens, no matter how nice these unexpected visitors are, it's best not to humor their enthusiasm by discussing your home or giving an impromptu tour. Instead, politely let them know that your real estate agent is in charge of scheduling tours and provide them with the agent's contact information. If you attempt to handle these surprise visits on your own, you might inadvertently disclose information that could hurt you during negotiations down the road.     

Understanding the buyer - when selling a Southern Oregon home

Understanding the buyer

As the seller, you can control three factors that will affect the sale of your home:

* The home's condition
* Asking price
* Marketing strategy

However, it's important to note that there are numerous other factors that influence a buyer, and you need to understand these consumer trends when you enter the sellers' market. The more your home matches these qualifications, the more competitive it will be in the marketplace. Your real estate agent can advise you on how to best position and market your home to overcome any perceived downsides.

Unfortunately, the most influential factor in determining your home's appeal to buyers is something you can't control: its location. According to the National Association of REALTORS(r), neighborhood quality is the No. 1 reason buyers choose certain homes. The second most influential factor is commute times to work and school.

While some buyers want to simplify their lives and downsize to a smaller home, home sizes in general have continued to increase over the decades, nearly doubling in size since the 1950s. Smaller homes typically appeal to first-time home buyers and "empty nesters," or couples whose children have grown up and moved out.

Preferences in floor plans and amenities go in and out of fashion, and your real estate agent can inform you of the "hot ticket" items that are selling homes in your market. If your home lacks certain features, you can renovate to increase its appeal, but be forewarned: That's not always the right move. Using market conditions and activity in your neighborhood as a gauge, your agent can help you determine whether the investment is likely to help or hinder your profit margin and time on the market.        

How to price to sell and still make a profit

How to price to sell your home on the Southern Oregon Real Estate Market and still make a profit

The asking price you set for your home significantly affects whether you will profit in the sale, how much you will profit and how long your home will sit on the market. Your real estate agent's knowledge of the overall market and what's selling - or not selling - will be invaluable in helping you determine the price. The objective is to find a price that the market will bear but won't leave money on the table.

Here are some points to consider: Time. Time is not on your side when it comes to real estate. Although many factors influence the outcome, perhaps time is the biggest determinant in whether or not you see a profit and how much you profit. Studies show that the longer a house stays on the market, the less likely it is to sell for the original asking price. Therefore, if your goal is to make money, think about a price that will encourage buyer activity (read: fair market value).

Value vs. Cost. Pricing your home to sell in a timely fashion requires some objectivity. It's important that you not confuse value with cost - in other words, how much you value your home versus what buyers are willing to pay for it. Don't place too much emphasis on home improvements when calculating your price, because buyers may not share your taste. For instance, not everyone wants hardwood floors or granite counter tops.

Keep it simple. Because time is of the essence, make it easy for the buyers. Remain flexible on when your agent can schedule showings. Also, avoid putting contingencies on the sale. Though a desirable move-in date makes for a smoother transition between homes, it could cause you to lose the sale altogether.     

Thursday, August 21, 2014

Eight Steps to Selling Your Home

Eight Steps to Selling Your Home

  1. Define your needs. Write down all the reasons for selling your home. Ask yourself, "Why do I want to sell and what do I expect to accomplish with the sale?" For example, a growing family may prompt your need for a larger home, or a job opportunity in another city may necessitate a move. For your goals, write down if you'd like to sell your house within a certain time frame or make a particular profit margin. Work with your real estate agent to map out the best path to achieve your objectives and set a realistic time frame for the sale. 

  2. Name your price. Your next objective should be to determine the best possible selling price for your house. Setting a fair asking price from the outset will generate the most activity from other real estate agents and buyers. You will need to take into account the condition of your home, what comparable homes in your neighborhood are selling for, and state of the overall market in your area. It's often difficult to remain unbiased when putting a price on your home, so your real estate agent's expertise is invaluable at this step. Your agent will know what comparable homes are selling for in your neighborhood and the average time those homes are sitting on the market. If you want a truly objective opinion about the price of your home, you could have an appraisal done. This typically costs a few hundred dollars. Remember: You're always better off setting a fair market value price than setting your price too high. Studies show that homes priced higher than 3 percent of their market value take longer to sell. If your home sits on the market for too long, potential buyers may think there is something wrong with the property. Often, when this happens, the seller has to drop the price below market value to compete with newer, reasonably priced listings.

  3. Prepare your home. Most of us don't keep our homes in "showroom" condition. We tend to overlook piles of boxes in the garage, broken porch lights, and doors or windows that stick. It's time to break out of that owner's mindset and get your house in tip-top shape. The condition of your home will affect how quickly it sells and the price the buyer is willing to offer. First impressions are the most important. Your real estate agent can help you take a fresh look at your home and suggest ways to stage it and make it more appealing to buyers. * A home with too much "personality" is harder to sell. Removing family photos, mementos and personalized d?cor will help buyers visualize the home as theirs. * Make minor repairs and replacements. Small defects, such as a leaky faucet, a torn screen or a worn doormat, can ruin the buyer's first impression. * Clutter is a big no-no when showing your home to potential buyers. Make sure you have removed all knick-knacks from your shelves and cleared all your bathroom and kitchen counters to make every area seem as spacious as possible.
  4. Get the word out. Now that you're ready to sell, your real estate agent will set up a marketing strategy specifically for your home. There are many ways to get the word out, including:
  • * The Internet 
  • * Yard signs 
  • * Open houses 
  • * Media advertising 
  • * Agent-to-agent referrals 
  • * Direct mail marketing campaigns 
 In addition to listing your home on the MLS, your agent will use a combination of these tactics to bring the most qualified buyers to your home. Your agent should structure the marketing plan so that the first three to six weeks are the busiest.

5.  Receive an offer. When you receive a written offer from a potential buyer, your real estate agent will first find out whether or not the individual is prequalified or preapproved to buy your home. If so, then you and your agent will review the proposed contract, taking care to understand what is required of both parties to execute the transaction. The contract, though not limited to this list, should include the following: 
  • *Legal description of the property
  • *Offer price 
  • * Down payment
  • * Financing arrangements
  • * List of fees and who will pay them 
  • * Deposit amount 
  • * Inspection rights and possible repair allowances
  • * Method of conveying the title and who will handle the closing
  • * Appliances and furnishings that will stay with the home 
  • * Settlement date
  • * Contingencies 
At this point, you have three options: accept the contract as is, accept it with changes (a counteroffer), or reject it. Remember: Once both parties have signed a written offer, the document becomes legally binding. If you have any questions or concerns, be certain to address them with your real estate agent right away.

6.  Negotiate to sell. Most offers to purchase your home will require some negotiating to come to a win-win agreement. Your real estate agent is well versed on the intricacies of the contracts used in your area and will protect your best interest throughout the bargaining. Your agent also knows what each contract clause means, what you will net from the sale and what areas are easiest to negotiate. Some negotiable items: 
  •  * Price
  •  * Financing
  •  * Closing costs
  •  * Repairs 
  •  * Appliances and fixtures 
  •  * Landscaping 
  •  * Painting 
  •  * Move-in date 
Once both parties have agreed on the terms of the sale, your agent will prepare a contract.

7. Prepare to close. Once you accept an offer to sell your house, you will need to make a list of all the things you and your buyer must do before closing. The property may need to be formally appraised, surveyed, inspected or repaired. Your real estate agent can spearhead the effort and serve as your advocate when dealing with the buyer's agent and service providers. Depending on the written contract, you may pay for all, some or none of these items. If each procedure returns acceptable results as defined by the contract, then the sale may continue. If there are problems with the home, the terms set forth in the contract will dictate your next step. You or the buyer may decide to walk away, open a new round of negotiations or proceed to closing. Important reminder: A few days before the closing, you will want to contact the entity that is closing the transaction and make sure the necessary documents will be ready to sign on the appropriate date. Also, begin to make arrangements for your upcoming move if you have not done so.

8. Close the deal. "Closing" refers to the meeting where ownership of the property is legally transferred to the buyer. Your agent will be present during the closing to guide you through the process and make sure everything goes as planned. By being present during the closing, he or she can mediate any last-minute issues that may arise. In some states, an attorney is required and you may wish to have one present. After the closing, you should make a "to do" list for turning the property over to the new owners. Here is a checklist to get you started. 
  • * Cancel electricity, gas, lawn care, cable and other routine services. 
  • * If the new owner is retaining any of the services, change the name on the account. 
  • * Gather owner's manuals and warranties for all conveying appliances.                                        

Tuesday, August 12, 2014

Meet me for coffee...on me

Meet me for coffee...on me

Whatever you're Real Estate buying or selling needs,
my experience can help empower you with knowledge...

Whether you are looking to buy your first home or move up from your present home, or even looking to start investing in real estate, 20 mins over coffee will help you make your next move a strategic move.  Schedule a private and confidential meeting with me Today! I've helped over 450 families get to the next step and I'm here for you too. Plus, the coffee is on me!

   Scheule your free consultation today

Coffee Appointment available anywhere in Jackson County Oregon. (Southern Oregon)

Wednesday, April 30, 2014

Your Southern Oregon Home's TRUE MARKET VALUE For Free

Use Wufoo integrations and get your data to your favorite apps.

Monday, April 21, 2014

NEW LISTING Jacksonville Dream Home

For ALL Jacksonville Properties 2brm or more under $600,000 click here: 

For Personalized Service Contact
Tara Jacobi 
Keller Williams Realty
Senior Real Estate Expert

Saturday, April 12, 2014


OK, as a Realtor, I see new home loan programs come and go all the time. My preferred lender gal told me about this last night and I couldn't wait to tell everyone...

If you have been waiting to buy a house until you had saved up a down payment, READ THIS! 

There is a new home loan program that GRANTS YOU YOUR DOWN PAYMENT on the purchase of a home. One of the programs even grants you enough to cover your entire down payment AND most of your closing costs.    

(The Catch?) You Must:
  • Actually live in the house
  • Make less than a certain amount per year. (Seriously, a majority of the people in the valley make less than this!) (see the limits below for Jackson and Josephine Counties)

What is Great about it?: it's a 30 year fixed: Conventional,  FHA, VA or USDA Loan. (you choose)  No Repayment of the Granted money, Low interest Rates, Live anywhere in the 2 counties AND your credit score can be a good ways under 700.  

This is completely REAL and is through a nationally known lending institution. 

If this sounds like it might benefit you, PLEASE contact me and I'll give you the details and who to talk to.  Text or Call Tara at 541-326-2300

Tara Jacobi
Leading Real Estate Expert & Teacher
Superior Real Est. Services Since 1999
Ph / Text 541-326-2300

Sunday, March 30, 2014

Ashland, Oregon 97520 Real Estate & Homes for Sale



All Single Family Homes For Sale in Ashland

View Larger Map

Want to know the value of your Ashland House? 

ASHLAND SCHOOL DISTRICT website (Click on the picture)

ASHLAND CITY Website (Click on the picture)