HERE ARE SOME HELPFUL LINKS  THAT CONTAIN groups of links to other websites that are of interest to people in this area, of interest to people involved in the real estate market and to those who are in the process of buying, selling, investing, etc. in real estate. Please notice the new "Our Housing Trends Newsletter" below.  Click on it to see up to the minute information on the Real Estate Market here and elsewhere!  Tell us what you think.   ***Please notice at the bottom of this page. There is a list of WHAT LENDERS NEED FROM BUYERS. Take a look! Welcome to the most current Housing Trends eNewsletter. Click anywhere in this dialog box to go to HOUSING TRENDS NEWSLETTER. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you're in the market for a home, thinking about selling your home, or just interested in homeowner issues in general. The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau and Realtor.org reports, videos, key market indicators and real estate sales statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more. Please click here for the JUNE 2010 Newsletter. If you are interested in determining the value of your home, click the Home Evaluator link for a free evaluation report.	THE SCHMIDT TEAM  Tim and Nancy Schmidt  Real Estate Brokers Especially good are the links to a variety of calculators that help you find out what your monthly mortgage payments will be and what you will really pay for your new home!  Try them.  Look at our new link to HouseLogic.  This is a website to help home owners make the most of their investment every day!  HouseLogic puts the power of the National Association of Realtors® behind you - giving you a world-class resource for information about protecting, maintaining, and increasing the value of your home. We hope that you both enjoy the site and benefit from it.     Brought to you by the National Association of Realtors® Houselogic Everything you need to protect, maintain, and enhance the value of your home. Get started today. Visit houselogic.com Go
MORTGAGE CALCULATORS CLOSING COST CALCULATOR HOMEBUYER PROCESS MORTGAGE BASICS YOUR FINANCE CENTER
1001 REAL ESTATE TIPS MAKING DECISIONS TIPS & TRICKS FOR SELLERS REPAIR & MAINTENANCE TIPS The Rogue Valley REAL ESTATE INVESTING	BUYING A HOME? TAX BENEFITS OF HOMEOWNERSHIP Our Housing Trends Newsletter HOMEOWNERS INSURANCE QUOTES 1st TIME HOMEBUYERS INFO PERSONAL FINANCE TIPS
STEPS IN THE HOME BUYING PROCESS Decide WHERE you want to live. Select a Local REALTOR® as your 'Exclusive Representative'. Get Pre-Qualified/Pre-Approved for financing. Participate in initial counseling session with chosen REALTOR®:  Share 'LIFE-STYLE CONSIDERATIONS'/NEEDS/WANTS/DESIRES. Research areas/neighborhoods:  Determine which areas/neighborhoods best fit your 'Life-Style'. Select properties within those areas/neighborhoods for viewing. Inspect/Evaluate/Compare each property. With the assistance of your REALTOR® write-up and submit an offer:  Be sure to 'Package Yourself and Your Offer' so you are the 'Best Buyers Prospect' to the Seller. Empower your REALTOR® to Negotiate the offer and counter offer(s). Upon acceptance of the offer...Submit loan application (If not already submitted). Order Inspections:  Property/Termite/Water/Sewer etc. Order Title Work Review 'HUD Closing Statement' with your REALTOR® the day before closing. Conduct Property Walk-Through.  Create 'Punch List' of items needing attention. Have Utilities transferred over/turned on. Attend closing Move in.  Enjoy your new home! from an article in REALTOR® Magazine Online, July 2009.
WHAT LENDERS NEED FROM BUYERS: General: *Social Security Number *Divorce Papers *Green Cards for resident aliens *Employment verifications *Two most recent paycheck stubs *Tax returns for the last two years *Three most recent bank statements Assets: *Savings accounts (balances, a/c numbers, and institutions) *Credit union (balances, a/c numbers, and institutions) *Mutual Funds (balances, a/c numbers, and institutions) *IRAs or 401(k) (balances, a/c numbers, and institutions) *Equity in current home *Cash flows from rental properties *Pensions or annuities *Life insurance - the face amount and cash value *Credit card balances *Student loans *Car loans *Alimony and child support payments **Self-employed buyers are usually subject to extra scrutiny. Be ready to provide balance sheets and company tax returns.	THE NECESSARY DISCLAIMER! By using this website, you assent to the following terms of use: GrantsPassHomeSales.com is not responsible for the content available on any other internet site linked in the GrantsPassHomeSales.com site. The inclusion of any link does not imply a recommendation or endorsement by GrantsPassHomeSales.com of the linked site. See OUR PRIVACY POLICY on the Home Page of this site. Thank you.