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Let's face it, there have been many changes in real estate and the lending industry in the past few years. Lending practices have tightened up and new qualification standards will make it difficult for many buyers to qualify for a loan. Home buyers will have to show employment history with consistant income and a good credit history. Interest rates will become "risk-based" and those people with credit above 720 will be rewarded with lower interest rates. Borrowers will be required to save money for a down payment. Conventional, FHA and VA loan programs are available for those who qualify for the payment. We can continue to do business, it will be conservative compared to the past few years.
Buying a home can still be one of the best ways to build wealth. Today's buyers have an advantage over buyers two years ago. There is more inventory to choose from and and you have the luxury of time. A couple of years ago, buyers had to make buying decision in less than 24 hours or risk losing the property to another buyer.
Our goal is to provide you with the information you need to make a good buying decision. Our knowledge of the area and our real estate market can help you make a good investment in a home or income property.
As a 20 year veteran of the real estate industry, I have seen the gambit in real estate markets. I have the experience to help buyers though all types of transactions, but I am fond of first time buyers and new construction . I love helping folks find a home that fits both their needs and their budget. The devil is truly in the details and I work very hard to provide each client with excellent customer service.
I am native Oregonian and I consider myself a "Canyon Girl," living most of my life in Mill City. My family includes my husband Scott, daughter Kendra, her husband Josh, granddaughters Quinn and Scarlett and youngest daughter Kelsey who is continuing her education at OIT in Klamath Falls. The rest of the crew is rounded out Loki a Yorkshire Terrier. I believe "Chocolate" is a food group, especially dark chocolate and had time to check out several varieties of European Chocolate on memorable trip to Germany, England and Holland. I love to read and I usually have 3 or 4 books going at once. I adore James Bond and Danny Kaye movies, enjoy gardening and when time presents itself, I keep the road warm from Mill City to Klamath Falls visiting my parents. My husband and I just purchased kayaks and we are enjoying ourselves, paddling around Detroit Lake and other spots in Oregon and Washington.The Santiam River Falls in Mill City (Oregon). It's a perfect day to kayak!
Brenda Bonebrake Sandy Edwards Mary Gries Leslie Stewart Oregon Licensed Brokers