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I just wanted to take a moment and let you know what a gem you have in Stacy Mead. She has made our home buying process easier than we could have ever imagined, and should be commended for successfully helping us through our first purchase. I just have one word for Joelle, Extraordinary! Joelle recently helped us sell a home and buy a new one. Her relaxed, easy going nature makes her a pleasure to work with.

In her work and research she is highly energetic and works diligently for her clients to find them the right home. Whether I am purchasing a personal home, investment property or leasing space for a business venture, David's pleasant "can-do" attitude makes all the difference during these transactions. I have great confidence in David as a broker, business professional, and community leader.

It's wonderful to really trust your real estate partner. It's all about perspective at RE/MAX Platinum Brokers in Medford, Oregon. Our team of award-winning realtors 'see' through the eyes of clients like you.
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In today's real estate environment, it's more important than ever for you to employ a Real Estate professional that is trained to cope with today's extreme market challenges.
By using the latest advances in Internet technology, RE/MAX PLATINUM Brokers agents are able to effectively market your property to local and international buyers through our advanced website www.
RemaxPlatinumBrokers.com.
As a Buyer, you can even save searches that will update you daily on new listed properties that match your criteria.
Foreclosure is a process in which a lender attempts to recover the amount owed on an outstanding property loan once there is a default of payments.
This is usually done by selling or taking ownership (repossession) of the property.
The foreclosure process begins once the lender files a public notice of default (NOD), or in some states a lis pendens (LIS).
Once an NOD is filed, the property officially enters a grace period known as pre-foreclosure (length determined depending on state).
Pre-foreclosure offers the borrower an opportunity to do several things before the property is repossessed and/or sold, and ultimately reported on their credit history.
This is a stressful decision for many families; however, a short sale may be the best solution, short of foreclosure, for homeowners who owe more on their properties than they are worth.
Technically, a homeowner is 'short' when the outstanding loan is more than the current market value of the property.
A short sale occurs when the homeowner finds a wiling buyer and then negotiates with the lender to accept less than the full balance of the loan at closing (typically to avoid foreclosure).
Once the buyer closes on the property, the property is considered 'sold short' of the total value of the loan.
Most mortgage lenders take the guess work out of applying for a loan by figuring out for you the amount you can afford to borrow.
Then, they give you a printed document stating the maximum mortgage amount you qualify for based on your particular finances and income.
Mortgage pre-approval establishes your price range and strengthens your buying position by letting the Seller know that you have already been approved for the loan.
It can also ease time constraints once the purchase agreement in signed between Buyer and Seller.
When buying a home, it is helpful to determine the type of home you'll like and how much you can afford before beginning your search.
Monthly housing costs shouldn't be more than 32% of your gross monthly income.
Housing costs include your monthly mortgage payments (principal and interest), property taxes and heating expenses( PITH- Principal, Interest, Taxes and Heating).
To get an idea of how much you can afford to pay each month for a home, multiply your gross monthly income by 32%.
When coupled with current outstanding loans, the total for your debt service should not exceed 40% of your gross monthly income.
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