Buying Services for Southern Oregon Home Buyers

Congratulations! You have decided to purchase a home, or are thinking about buying one. You'll be joining the ranks of millions of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home can increase in value.

Right now is the best time to buy! Home prices in Southern Oregon have stabilized and in some segments are still rising. Interest rates are also low, making it even better to get that home you've always wanted.

Everyone wants a lower price…but what about the impact of interest rates? When shopping for a home, the natural tendency of any buyer is to want to pay the lowest price possible. It's important to keep in mind, however, that the sales price is not the only factor that determines what your monthly payment will be. In fact, the impact of higher interest rates can easily nullify any benefit of waiting for a lower price.

Why Should I Rush to Buy? While you may have heard discussions in the media about the decline of property values in many markets over the last few years, the market in Southern Oregon has stabilized, in fact, many are still increasing.

Interest Rate Complacency The problem is that many home buyers have been lulled into a sense of complacency because of extremely low interest rates. Since the Federal Reserve initiated its program of buying mortgage-backed securities, which control the rates people pay for their home loans, rates had been range bound, bouncing between 4.50% to 5.00% for a 30-year fixed-rate loan. But do not be confused by this. These rates are artificially low! Historically, interest rates have been above 6.00%. And any rate obtained below this number is a great deal, especially on homes with price tags from 2000!

When you are ready to start looking, be sure to check out my free access to the Southern Oregon area listings. If you would like to receive the listings that come onto the market to your e-mail on a daily basis that match your specific criteria, register with my Home Search feature.

In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step , to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact SHR if you have any questions about buying a home in Southern Oregon.

Below, select desired reports and complete the form provided.

		Buying Your First Home Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
		The Right Home at the Right Price This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
		Avoid Common Buyer Errors Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
		But Do You Need It Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.

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