Posts Tagged ‘property’

Drive through the massive gated entry and you are in a private secluded world of your own. There are no other homes in sight on this 10.37-acre Estate. Approx. 1/2-mile of Rogue River world class fishing. Outside amenities include 2784 SF 6-stall barn w/bath or a great place to park those extra cars. 2nd story has a 2 Bdrm, 1 bath apt. under construction. The property is totally fenced & cross fenced w/cedar & vinyl fences. Irrigation rights for all of property. The 2004 custom home is a show place, state of the art kitchen w/granite & cherrywood. Multiple decks offer commanding views of the river.
Presented by Debbie Drolette, Windermere Trails End Real Estate.
View our full-featured virtual tour here: http://www.apexvt.com/vt/2311

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Homes for Sale – http://www.realestate.com – For additional information about 4800 Northwest Washington Street or to schedule an appointment to see this home, please call toll free 866-285-3226. You can also view more details about this Single Family Home for sale in Vancouver, WA 98663 and find additional real estate listings on RealEstate.com. MLS #: 9011564 For More Details, visit: http://www.realestate.com/WA/Vancouver/32315882-4800-Northwest-Washington-Street-Vancouver-WA-98663-9011564-home-for-sale.aspx

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Investment Real Estate in Washington (not too far from Vancouver BC). Great Investor deal, or holiday property well below market price. Brought to you by www.realestatevancouver.com

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www.ZeroForeclosure.com Learn how to stop a foreclosure at no cost. Learn how to sell quickly, list your property, FSBO, in Oregon, Washington or anywhere in the United States.

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Welcome to Premier Real Estate! Premier Real Estate specializes in sales and marketing Residential & Commercial property. With offices in Portland and Vancouver, Premier Real Estate serves Clackamas, Washington, Multnomah and Clark counties. You can always find us at www.premierpropertysearch.com or by calling us at 888.335.7343. Our Premier service starts on day one…on our website! Premier Real Estate gives Premier clients unparalled access to Real Estate search technology and home buying and selling information.

For more info, contact Premier online at www.premierpropertysearch.com, or by phone at (888) 335-7343 today!

This real estate video is presented by www.AgentCasts.com

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First Time Home Buyer Mortgage Program with $8000 Tax Credit, Low Down Payment and Fixed Interest Rates on Government FHA Loans. Financing Assistance at Cheap Rates. Go To http://RealEstateMarketingThisWeek.com

Part 3 (Excerpt)

$8,000 tax credit the government is paying you to buy a home with a very low down payment

We have back in the studio today Mr. Dan Havey. Dan and I have worked together in the mortgage industry for about 14 years and we are happy to have him back. He has seen a lot of changes in the market and thanks again for being here.

Michael, here is a question I wanted to ask you, there is so much misconception in the marketplace today as far as what is still available for financing. I think a lot of people have this idea that it is impossible to finance a loan or get a mortgage or that you have to be able to put 20% down or have a 720 FICO score. Can you let people know whats really going on out there?

Well you know a lot of things have gone away. There are a lot of those old loan programs that were fancy ways to sell money and finance real property and a lot of thats gone. The reality of it is, if a person has a minimal amount of money down, there is absolutely financing through the Federal Housing Administration with 3.5% down. You can buy up to about $358,000 with only 3.5% down. Now with Fannie Mae and Freddie Mac, we actually do have a few investors that will allow us to only put 5% down with those and that loan amount maximum is $417,000. So there is still plenty of financing for primary residences.

Now in regard to looking at investment properties believe it or not there are actually still some stated income loans out there, but the stated income loan is for a non owner occupied property, the interest rates are very high and you know what, if you can put 20 to 25% down and prove your income you are better off using conventional financing, it is absolutely still available.

Now if you are a first time home buyer living in an apartment and you are getting kind of tired of it, you are looking at low interest rates, you are looking at the property values have come down over 50%, FHA is generally going to be the direction that person is going to want to go, right?

Absolutely and you know Dan with the $8000 first time home buyer tax credit you know that is a check that the government sends you for up to 10% of the sales price of the home up to $80,000. Its capped at 10%, you are not going to get more than $8,000 back and you may get less if you buy for less than $80,000, but whats really interesting about this is you can, if you have already filed your 2008 tax return, you can file a 1040X and get that credit sooner. You dont have to wait until April 15th of 2010 to get your tax credit. You put the money down today, close on the mortgage, move in, file your 1040x, there is a form that is called the 5405 but thats not all that important, and you can have that money back in your pocket right away.

So I know that was part of the plan that came out today and just to make it a little bit clearer for peoplelets just take an example. Lets say you buy yourself a $150,000 house and you buy it as an FHA, it doesnt really matter how much money down or how you buy the house but if you buy a $150,000 house, you are going to get an automatic $8,000 tax credit that you can take off of the taxes that you owe the government. So lets take an example where you are a W-2d employee and you pretty much break even at the end of the year, you dont owe the government any money and they dont owe you any money the government will actually write you a check for $8,000 for that tax credit and if you buy it this year you can amend your tax return for 2008 and get a check from the government for $8,000.

And thats not including the other tax write offs that you get for writing off the taxes on the house writing off the interest on the house, so again with a $150,000 house with 6% interest roughly you are going to be looking at another $10,000 worth of write offs on top of that. Now that is a write off not a tax credit, like the other one so you are going to save whatever your tax rate is. So lets say your tax rate is 30%, that is another $3,000 in taxes saved. So if you buy a house this year you are going to put an extra $11,000 in your pocket.

So if you buy a $150,000 house and you have to put 3.5% down, Thats what? Lets just say roughly $5,000, you just made $6,000 and you get to own a house. ($11,000 tax savings minus $5,000 down payment) And your mortgage payment is more than likely less than or equal to what you are paying for rent and you own it.

Exactly and you get the benefits of having your own house…

Duration : 0:6:14

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2008 when Portland real estate investors search for property management firms in Oregon, they want to obtain multiple quotes. One Portland site makes it easy to do this. My friend told me about allpropertymanagement and I used the service. Here is a video from their website: Are you looking for a property management company in Portland Oregon? This is the #1 property management site in Portland. The quickest way to obtain multiple Portland rental, association, residential, commercial, office, vacation, condo, apartment property management quotes

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Steve Straub, CMPS shares an early experience in life when his financial planner taught him how to calculate ROI (return on investment). Steve applies the Rule of 72 to investment real estate in the Portland Metro Area. Essentially, from a historical perspective real estate values in the Portland Metro Area (Portland, Beaverton, Hillsboro, Lake Oswego, West Linn Oregon and Vancouver, Camas Washington) have roughly doubled from appreciation every ten years. When the Rule of 72 is applied to investment real estate, it shows the investor how long it will take his property values to double.

There are over 30 videos at www.straubconsulting.com that educate and share perspectives on ways to build wealth through investing in real estate using long-term hold strategies.

Duration : 0:2:55

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Tax Credit for First Time Home Buyer Program, with Low Down Payment and Interest Rates thru Government Loan Assistance and FHA Mortgage. Buy Cheap Bank Foreclosures. Go To http://RealEstateMarketingThisWeek.com

Part 7 (Excerpt)

FHA Guidelines regarding foreclosures and first time home buyers; incredible home buying value

Ok I was just checking because I thought this was a story about all the mortgage backed securities that were going under. It started at the top and it worked its way down. The reality of it is that people were buying homes, not reading what they were signing, not understanding how it worked and shame on the people who were putting it in front of them, knowing that they didnt know and we all need to take a little responsibility here for this past crisis. It is not just the Wall Street firms; its not just the mortgage companies and banks, the brokers have little in fact to do with it, we didnt create the loan products that people were buying, we were merely disseminating it to the public. I am glad to say I was not a part of any of that. I was able to stay away and do traditional, conventional type financing for people. So luckily I didnt have a lot of clients who got stuck into that nightmare.

Speaking of that nightmare, Dan when we talk about the people who have had foreclosures, their lives have been turned around, turned over and they think that there is no where for them to go. One of the nice things about the Federal Housing Administration loan, the FHA loan, thats the first time home buyer type loan, the minimum down payment loan, its only 3 years after you have had a foreclosure that you can qualify to purchase a home again. So it is important if you have had a foreclosure, you need to point your future away from the flame, you need to save your money, do your best, work as tightly as you can on a budget and look forward to that time when you can go back out and buy a home again.

Property values are going to be up from where they are today, but there is still going to be plenty of great value out there and there are not going to be loan products that are going to get you in trouble again. They wont exist. What really caused the great inflation in home values starting in about 2002 was the financing was just getting crazy. I wont get into a whole lot of technical stuff about mortgage backed securities and all that, but the lenders were creating products, selling them off their books, thinking that they would never have to worry about them again. They sold trillions of dollars worth of these loans and those are the ones that are going bad.

Ones that were toxic in the first place: the stated incomes, the option ARMs, all those loans are all gone now. I was saying earlier today that we are back to where we were in financing in 1992-1993, back when the median home price was $75,000. Now I dont think we are going to go anywhere near that again, I think at $130,000 we are getting real close to the bottom of the market and what I was thinking was when I got into the business in 1995 and you were in at about the same time I was, and I remember talking to a guy who comes into our office to sell us loan programs, now this is the very beginning of the really crazy stuff, and he was saying we can do 70% no doc loans.

We go, what do you mean? If somebody puts down 30% they dont have to verify anything, they dont have to verify their employment; they dont have to verify taxes, anything. We were absolutely floored, but by the peak of the market we were doing 100% no doc loans. If you were breathing they gave you a loan and the credit scores didnt have to be that high, I think I saw them as low as 600…

Duration : 0:5:36

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http://www.rent2ownanewhome.com

Helping both potential home buyers and sellers in challenging times!
Learn more at http://www.rent2ownanewhome.com

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