Bend Oregon Real Estate

October 30, 2009

Senate Agrees To Extend Tax Credit For Home Buyers

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 12:00 AM CDT on Thursday, October 29, 2009

The Associated Press

 

WASHINGTON – Senators agreed Wednesday to extend a popular tax credit for first-time home buyers and to offer a reduced credit to some repeat buyers.

The tax credit provides up to $8,000 to first-time home buyers but is set to expire at the end of November. The Commerce Department said Wednesday that new home sales fell 3.6 percent in September, and some industry representatives blamed uncertainty about the tax credit.

Senators agreed to extend the tax credit for first-time buyers while offering a reduced credit of up to $6,500 to repeat buyers who have owned their current homes for at least five years, said Regan Lachapelle, a spokeswoman for Senate Majority Leader Harry Reid, D-Nev.

The tax credits would be available to home buyers who sign sales agreements by the end of April. They would have until the end of June to close on their new homes, according to a summary of the legislation being circulated among lawmakers.

Senators were still negotiating the expansion of a separate tax credit that lets money-losing businesses get refunds for taxes paid in previous years, providing them an immediate source of cash.

Senators in both political parties were hoping to add both tax provisions to a bill that would give people running out of unemployment insurance benefits up to 20 more weeks of federal aid. The Senate could vote on the overall bill as early as today, but lawmakers were still haggling over several unrelated amendments Wednesday.

If the Senate passes the bill, it would go to the House, which passed a similar bill extending unemployment benefits last month. House leaders have also said they support extending the tax credit for home buyers.

The Associated Press

If you’re thinking about buying a home in Bend you should sign up for Jim’s free New Listing Notification Service or call or e-mail today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981.

 Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL 

If you have questions about Bend or Bend Oregon real estate just type in the subject of your question in the search box in the right hand column and click search.  You can use this blog as your search engine for Bend Oregon real estate.

October 27, 2009

Tax Credit Extension Likely

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The National Association of Realtors reported today:

Tax Credit Extension Seems Likely

It seems likely that the U.S. Senate will approve a deal to extend the First-Time Home-buyer Tax Credit, but the devil is in the details.Florida Democrat Sen. Bill Nelson told reporters traveling to Florida with President Obama on Monday that he thought that the extension would be approved, but both senators and representatives are among those who think that there should be some fiscal offset for the cost of the extension.Spending any more money on the stimulus effort also could stir up a hornets’ nest in some circles.The proposal in the Senate that appears to have the most likelihood of passage would extend the $8,000 credit through March 31, then its value would drop by $2,000 for each of the subsequent three quarters of 2010. This plan was offered by Senate Majority Leader Harry Reid of Nevada and Senate Finance Committee Chairman Max Baucus, a Montana Democrat.Source: Associated Press, Andrew Taylor (10/26/2009) and The Wall Street Journal, John D. McKinnon (10/27/2009)

If you’re thinking about buying a home in Bend you should sign up for Jim’s free New Listing Notification Service or call or e-mail today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981. Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL 

If you have questions about Bend or Bend Oregon real estate just type in the subject of your question in the search box in the right hand column and click search.  You can use this blog as your search engine for Bend Oregon real estate.

October 13, 2009

First Time Home Buyers Should Hurry

First time home buyers should hurry if they want to take advantage of the $8,000 tax credit offered by the government.  You must close the transaction on or before December 1, 2009

$8,000 Home Buyer Tax Credit at a Glance

The information on this page pertains to the American Recovery and Reinvestment Act of 2009.

  • The tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.
  • The tax credit does not have to be repaid.
  • The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.
  • The credit is available for homes purchased on or after January 1, 2009 and before December 1, 2009.
  • Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit.

If you’re thinking about buying a home in Bend you should sign up for Jim’s free New Listing Notification Service or call or e-mail today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981.

 Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL 

If you have questions about Bend or Bend Oregon real estate just type in the subject of your question in the search box in the right hand column and click search.  You can use this blog as your search engine for Bend Oregon real estate.

 

June 9, 2009

Home Mortgage Interest Rates Are Rising

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If you’ve been waiting for interest rates to fall lower before you buy a home you may have waited too long.  30 year fixed rate mortgages surged to 5.29% last week.  That is still a great interest rate but off of the lows that bounced on 4.5% a few months ago.

I currently have several sales in escrow that have locked in rates of 4.75% interest.  We may not see these rates again for years.  You can still ask the seller to pay discount points and buy down your loan to 4.75%.  Don’t wait for the rates to go lower.  It may not happen this year.

If you’re thinking about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail today. 

 

Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981. Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

May 17, 2009

Mortgage Interest Rates Remain Low

Filed under: Bend Oregon Real Estate, Financing — Tags: , , — number @ 5:51 am

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Mortgage interest rates have remained below 5% for the last 9 weeks.  Interest rates this time last year were at 6.1%.  This summer is the time to buy homes in Bend Oregon.  There is a large selection of affordable homes and there are several signs that this may be the bottom of the Bend Oregon real estate market.

If you’re thinking about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail today. 

 

Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981. Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

May 10, 2009

Mortgage Rates In Bend Oregon Are Still Great

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Mortgage interest rates bumped up a little last week but have remained below 5% for the last two months.  Interest rates below 5% are outstanding and will head back up at the first sign of a recovery. 

That recovery may be happening right now.  Sales of homes in Bend rose 17.2% this past April as compared to the same month last year.  The number of Bend Oregon Bank Foreclosures for sale in Bend has fallen 30.6% in the last 30 days.  The current number of bank owned homes for sale in Bend is now 88 vs. 115 this time last month.

There are many signs pointing to the possibility that the bottom of the Bend Oregon real estate market may soon be here.  You never know for sure until after prices start to rise.  Personally, I wouldn’t wait for prices and interest rates to rise.  I would be buying right now!

If you’re thinking about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981.

Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

May 3, 2009

Mortgage Interest Rates Remain at All Time Low

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Mortgage interest rates fluctuate daily but tied all time lows last week.  The average was 4.78% for 30 year fixed but I locked in some of my clients at 4.75% and 4.6825%. 

To top that off first time buyers get a tax refund of $8,000 if they buy a house this year and prices are now very affordable.  It doesn’t get any better than this!

If you’re thinking about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail today. 

 

Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981. Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

April 20, 2009

Mortgage Rates Near All Time Lows

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Mortgage rates in Bend Oregon are hovering around all time lows.  There is plenty of money available for a mortgage loan under 5% interest.  Now is the time to buy a home in Bend.  Some of the best buys available are bank foreclosures.

If you’re serious about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981.

 

Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

April 15, 2009

How To Find The Best Home Loan

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Whether you are buying a new home or just refinancing your home, how do you find the best loan?  You should get a quote from two or three different lenders.  When you are getting a quote you should get it in writing. 

You should get a good faith estimate and a Truth in Lending statement.  You should also ask for a 30 to 45 day lock.  The longer the better.  This means you lock in the interest rate you want for the period of time you need to close the loan. 

Interest rates tend to change daily and if you don’t lock it in.  You may be facing a higher interest rate in the few weeks it takes to close the loan. Some lenders will lock in a rate and if it goes down they will give you the lower rate.

After you have your three quotes the one thing you look at to compare lenders in the Annual Percentage Rate (APR) on the Truth in Lending statement.  The government requires lenders to quote an APR so you can compare all loans.  The APR is the interest rate plus all lender charges. 

Recording fees, prepaid interest, reserve accounts etc are not calculated into the APR.  These costs are the same with all loans.  One lender may quote you a lower interest rate but his fees may be higher making another loan with a higher interest rate cheaper in the long run.  The APR is THE best and only way to compare loans.

Make sure your lender can close within the lock period.  If they don’t close it by then you can loose your interest rate.  The market is picking up and some lenders are having trouble closing in 30 days.  Now is a good time to refinance or buy a home.

If you’re serious about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail Jim today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981. Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

April 12, 2009

Mortgage Rates Rise Slightly

Filed under: Bend Oregon Real Estate, Financing — Tags: , , — number @ 6:12 am

Mortgage rates rose last week from an average of 4.78% to 4.87% on 30 year fixed rate mortgages.  Rates have been below 5% for four consecutive weeks and are still down by a full percentage point from a year ago.  Now is a good time to buy or refinance your home. 

It’s best to get a Good Faith Estimate and a Truth in Lending statement from 2-3 different lenders to make sure you are getting the best Annul Percentage Rate (APR).  The APR is the number you should compare when getting the best loan.  It includes the interest rate plus all the fees each lender charges.

If you’re serious about buying Bend Oregon real estate you should sign up for Jim’s free New Listing Notification Service or call or e-mail Jim today.  Jim Johnson is a Certified Residential Specialist and has been selling quality homes in Bend Oregon since 1981. Call 541-389-4511 or see his web site to search the MLS - Bend Oregon Real Estate.  Jim is licensed by the State of Oregon as the Principal Broker for Bend Oregon Real Estate Expert.  E-MAIL

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