Archive for the 'Buying a home' Category

Salem Oregon Real Estate-South Salem Neighborhoods-Woodscape

Tuesday, March 30th, 2010


Salem Oregon Neighborhood Information From  Your Salem Oregon Real Estate Agent

Welcome to Woodscape!  Woodscape is 3 different era’s, with different types of homes.  Whether you are relocating to Salem Oregon, or already live here, Woodscape has something to offer everyone.

Woodscape Glen is the neighborhood you are looking for if you would like to have a larger lot, and live on tree-lined streets.  These homes were built in the 70’s and 80’s.  There are many different styles of homes in this part of Woodscape.  You will find single-levels and two story homes with wonderful yards and beautiful, mature landscaping.

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Woodscape is the next phase.  These homes are newer and most of them were built in the 90’s and early 2000’s.  You will find many different style of homes in this section of Woodscape including single-level, craftsman and even colonial style with an East Coast flair.

Woodscape Green is the newest addition to this subdivision and building is still going on.  The homes in Woodscape Green are built by Master Craftsmen and are built earth-friendly which means that you, your home and the environment will benefit from the Energy Star and Earth Advantage Standards that all of these homes must meet.fr2

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There are many lots still available in the newest section of Woodscape.  There are also more phases planned that will meet these same strict standards to be good to the earth, while saving you money on your utility bills.

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The next phase of Woodscape

Woodscape also has two beautiful parks to enjoy.  There is the Wes Bennett Park, which is located next to Pringle Elementary School.   Wes Bennett has playground equipment, and is a popular place to host picnics and parties. Woodscape Park is wonderful if you enjoy walking, jogging or running.  This park has walking paths, and benches to sit on to enjoy the view.

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If you are considering having a custom home built in the newer phases of Woodscape, give me a call.  I can assist you with the entire process from beginning to end.   You can be assured that I will be by your side every step of the way.  If you are interested in purchasing a pre-existing home, and would like to find out more about the homes for sale in Woodscape, you can contact me directly at 503-931-1846 or email me at MelWagnerBroker@msn.com.


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SALEM OREGON REAL ESTATE-SOUTH SALEM NEIGHBORHOODS-CREEKSIDE

Saturday, March 27th, 2010

SALEM OREGON REAL ESTATE-SOUTH SALEM NEIGHBORHOODS-CREEKSIDE GOLF COMMUNITY-GOLF CLUB ESTATES

SALEM OREGON NEIGHBORHOOD INFORMATION FROM YOUR SALEM OREGON REAL ESTATE AGENT

If you love to golf, and desire to live in a golf community, then Golf Club Estates at Creekside may just be the perfect place for you to call home.   Homes in this community start at around $300K and and can go as high as 1+ Million Dollars.  The pricing of homes depends on where the home is located within the community, and also on views and lot size.

Hawaii Northwest Ventures hired local PGA touring professional and golf course architect Peter Jacobsen in the early 90’s to develop Creekside Golf Club. Construction began in 1992, with the current back nine opening in 10/93.  The current  front nine opened in 6/94.  When the full 18 hole championship course was completed, Golf Digest rated Creekside as one of the top new courses in the State of Oregon.  Creekside is a beautiful course to play on and has 3 separate playing areas to cover the full 18 holes.  This also means that there are many options for homeowners wanting to live with a golf course literally in their backyard.

Creekside and Golf Club Estates also has an elegant club house/restaurant that spans 20,000 sq. ft.  The amenities include banquet facilities, a bar and grill/restaurant (Creekside Lakeview Restaurant), pro-shop, locker rooms, health club, outdoor heated swimming pool, snack bar and more.

For more information about living in Golf Club Estates, please call me direct at 503-931-1846.



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SALEM OREGON REAL ESTATE-BUYERS-4 IMPORTANT QUESTIONS TO ASK YOUR MORTGAGE BROKER

Wednesday, March 24th, 2010

Important Questions To Ask Your Mortgage Broker Before You Sign Any Of Their Documents

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1.  Do you have a variety of loan programs to fit my cash flow and expected length of ownership needs?

The amount of money that you have to contribute towards your downpayment will play a big role in which loan program will work best for you.  There are many loan programs available.  Some require no downpayment, however, the guidelines may require you to purchase a property in a rural area, or qualify for additional grants.    FHA loans are a great option for a first time homebuyer.  FHA currently requires 3.5  for the downpayment, as of this date,  and they will allow that amount to be “gifted” to you from a family member or friend.

How long you plan to live in your home will help to determine whether an adjustable rate mortgage or “ARM” would be best for you, or a fixed rate mortgage.

Your Mortgage Broker will be able to help you determine which loan is best for you based on your individual circumstances.

2.  Do you offer written mortgage pre-approvals, not just pre-qualifications?

A “pre-qualification” is usually a Mortgage Broker’s opinion of your eligibility for a loan.   If you ask to be pre-approved, the Mortgage Broker will actually submit your job and credit history to an underwriter and get a conditional approval for a loan and a loan commitment.

The advantage of having a pre-approval is that it will make your offer to buy a home stronger and it will usually allow you to close on the home faster.

3.   Do you have the ability to handle difficult credit history?

Many Mortgage Brokers will only work with you if you have perfect credit, and if a problem comes up, they won’t help you.

Make sure your Mortgage Broker has reviewed and received approval for you and your specific credit history

4.  Is the rate that you quoted me the rate I will get at closing?

Many Lenders advertise their rates in the paper, on the internet or radio,  and in homes magazines.  These are what are called “Teaser Rates” in the industry.  The name says it all.

After they’ve got you committed to using them, many Lenders then tell you what the “real” rate will be.  By this time, it’s too late for you to do anything about it.

Consider using a local Mortgage Company with an actual “brick and mortar” office.  Salem is home to many great Mortgage Brokers who are happy to have you come in and meet them in person.  This allows you to sit down with the Mortgage Broker and ask all of the questions that you may have about obtaining a home loan.  Many of these Mortgage Brokers will actually attend the closing where you will be signing your loan documents in case you have last minute questions.

If you are in need of a recommendation for a great Mortgage Broker that will work to get you the best loan possible,  give me a call at 503-931-1846.  I would be happy to provide you with local referrals of trusted Mortgage Brokers that I work with.

If you would like additional information on buying or selling a home, please visit my website, or give me a call at 503-931-1846.

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Salem Oregon Real Estate-Buyers-5 Important Steps For Buying Your Home

Wednesday, March 24th, 2010

TIPS FOR BUYING YOUR HOME FROM YOUR SALEM OREGON REAL ESTATE AGENT

In reality, there are only five things you need to know and do to make your home buying experience as simple as possible.

1.  Get pre-approved for your loan.

If possible, get “pre-approved” for a loan in the amount you’re willing to borrow.

With this pre-approval, you’re in a stronger position to buy a home when you’re ready – rather than finding your dream home, only to lose it to another buyer because you were waiting on the approval.

2.  Find a great real estate consultant.

Once you’ve decided to buy a home, find a great real estate consultant.  What you’re looking for is a Buyer’s Agent.

This means that the consultant represents YOU as the buyer, rather than the person selling the home.  They will have YOUR best interests at heart.  Really good consultants know their markets, and will help you find the best match for your needs and wants.  They can also recommend mortgage brokers with whom they’ve worked in the past.

3.  Look before you leap.

Drive around the neighborhood at different times of day.  Get out and walk around and chat with neighbors.

Some people like friendly neighbors, others think of them as nosy.  Drive to the local grocery store, laundry, anywhere that you frequent.  Visit nearby schools and see for yourself how the kids behave and how the grounds look.  The point is to see if this is really the type of neighborhood you want to live in BEFORE you make an offer.

4.  Be prepared.

Make sure your contract has reasonable contingencies included to protect you as a buyer.  Reasonable can be things like approval by a home inspector, and title clearance.

For the long-term investment, make sure that you buy homeowner’s insurance, and upgrade it as the value of your new home and its contents increase.

5.  Be reasonable.

No home will be without flaws.

Many times it’s these flaws that lend character to older homes, but nonetheless, it will take SOME work to personalize any home.

Preparing yourself with these five simple things – loan pre-approval, a great broker, getting to know the neighborhood, protecting yourself, and being reasonable – will help make the home buying process easier for you and your family.

For more information on buying a home, or to get started on owning your own home, give me a call at 503-931-1846.  I look forward to assisting you in the purchase of your home!

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