Monday, December 28, 2015

Common Property Red Flags for Mortgage Financing- From Pacific Residential Mortgage Group


Common Property Red Flags for Mortgage Financing
From Our friends at Pacific Residential Mortgage Group 
While infrequent situations arise that can make your client's mortgage loans un-financeable, being vigilant about these issues beforehand can save your client a lot time and heartache.
Here are some common issues to watch for before your clients write an offer, or before you accept a listing:


Property Conditions
  • Bad roofs, structural problems, missing railings or peeling paint can be instant deal breakers
  • Loan programs like VA and FHA have stricter requirements; ask what type of loan your client is planning to use
  • The property may be uninsurable for reasons such as unpermitted living spaces, dangerous living conditions or being out of building code
Condos & HOA Boards
  • Investors will not fund loans if the property's HOA is in the middle of litigation
  • The condo building must meet requirements of owner occupancy rules to be eligible
Legal Issues
  • Make sure the seller has the legal right to sell the property; any trust or probate issues may not be finalized
  • Financing cannot be garnered for any property that has a lien against it, and will show up on a title search
I am always happy to help find any information needed on a property before an offer is made or before you decide to list a property. Call today. I am here to answer your questions.

Monday, November 9, 2015

$169,000 Fabulous Remodeled Home for the Money in Medford OR

818 Grant Ave, Medford, OR

Just Listed

$ Click for current price
3 BEDROOMS | 2 (2 full ) BATHROOMS | 1541 SQUARE FEET

Presented By:

Down to Earth Realty Southern Oregon

Keller Williams Realty
541-326-2300
Licensed In: OR
  • Link on Facebook
  • Connect on YouTube
  • Connect on Google+
Schedule a Showing/Request Info

Property Description

FABULOUS Home for the money!! Remodeled 3 brm/2 bth home in Southwest Medford! Fabulous home with Living room & family room. Kitchen completely remodeled less than 5 years ago, new cabinets, floors appliances & Granite counter tops. For-air gas heat and A/C and all vinyl double pane windows. The master bedroom has it's own bathroom and walk in shower. Large covered patio. Also a small detached stick built storage shed. A Must see!


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Friday, November 6, 2015

Sellers do you part and Prepare Your House for the Home Inspection or it may Cost You!

Seller's follow these instructions prior to the scheduled inspection date to avoid having to pay a re-inspection fee.

 When selling a home, it's the responsibility of the seller to properly prepare the home for the professional inspector to inspect ALL aspects of the home. The house will be inspected in "as is" condition on the scheduled inspection day so systems and areas that are off or not accessible will not be inspected and will require an additional fee paid by the seller to return to the site and inspect them.

In order to prepare for the inspection please verify:
  • All utilities are on to the house 
  • Pilot lights are lit
  • Valves behind toilets and sinks are turned on
  • Smoke detectors and CO Detectors are installed within 15ft of all bedrooms. 
  • Pets are secured away from the house or property to allow complete access to the inpector
  • There is no standing water in the crawl space 
 • All items are moved out of the way of access to:
  ○  electrical panels,
  ○ attic access panels
  ○ crawlspace access
  ○ water heater area
  ○ furnace area

Thanks in advance for insuring the house is adequately prepared so the inspection can move forward without delays.

Just Listed Home for Sale in Southern Oregon

1443 Ridgepine way, Medford, OR

Just Listed

$ Click for current price
3 BEDROOMS | 3 (3 full ) BATHROOMS | 1125 SQUARE FEET

Presented By:

Down to Earth Realty Southern Oregon

Keller Williams Realty
541-326-2300
Licensed In: OR
  • Link on Facebook
  • Connect on YouTube
  • Connect on Google+
Schedule a Showing/Request Info

Property Description

After the wonderful curb appeal and spacious RV parking, first thing you notice when entering this 3 brm, 2 bth home is the friendly living room greeting you with it's bay window to the beautifully green back yard. A well laid out open floor plan with charming warm spaces and ALL NEW FLOORING! When you're in the kitchen, you'll feel at the helm of the ship, with a clear spacious eating bar, providing a full commanding view over the entire living area and back yard. In the evenings wind down on your covered back patio and private back yard with it's thoughtfully laid out landscaping w/ sprinkler system. A little later, retire to a spacious master suite with large walk in closet and private bath. Bring your fridge and this one is completely Move in ready! less than a block to South Medford High.


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Tuesday, June 9, 2015

Buy that house, soon rather then later, because the monthly payment is only going to go up!



"Buy that house, soon rather then later, because the monthly payment is only going to go up!"-Diana Orlick CNBC

"People thinking of buying a house should act quickly to lock in today's low rates," says Dean Croushore

"Mortgage rates: 'Definitely in panic mode'"


More Jobs means higher interest rates...


Remember, now that the interest rates are on the rise, the longer you wait to buy a home the more your monthly payments will be!   Don't wait too long! 
Tara Jacobi and Patty Davis with Down 2 Earth Realty will walk you through every step of the process from finding a lender to negotiating the best price & terms of your home to get you the best deal possible. 
Make sure you are working with an EXPERIENCED agent to when buying a home, it doesn't cost you any money to be represented as a buyer. However, it could cost you thousands and even the house you love.

Tara Jacobi- Principal Real Estate Broker with 15 years Real Estate experience and over 500 transactions. 
Patty Davis- Real Estate Broker 7 years experience and over 300 transactions. 

  Get empowered to change the quality of your life. Call us today. 

Tara 541-326-2300
Patty 541-301-6361




Thursday, May 7, 2015

Professional Home Inspectors of Southern Oregon

Professional Home Inspectors of Southern Oregon



541-956-0464

VISUAL HOME INSPECTION

Dan Huckins

541-899-1148 office
541-890-4445 text
541-702-1270 off hours

Travis Real Estate Inspections:

 Arron Shultz

541-779-5828
Ron Regan
541-664-1947
541-941-1066

www.cornerstoneinspections.us



Well Inspections Only:



1. Quinns Well and Pump Service > 541-479-9355  or  1-800-719-9355

2. Jacksonville Pump Service & Repair> 541-770-9055

3. Hydro-Flow Inc > 541-772-4453

** Plowser - Well drilling >541-476-7795

Septic Inspections only:

1. A Affordable Royal Flush Septic Tank Cleaning > 541-772-3389

2. A Fresh Way Septic Tank Cleaning> 541-772-6954