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In response to carol in Portland's response. That's rediculous what she said. For instance our money is all tied up in a house that we bought right before the real estate bubble collapsed and our next door neighbor completely underpriced his house driving prices in the neighborhood even further down. The home values are beginning to recover but we will have very little left when we get done paying off our loan and a realtor. We have no problems making the house payments now and since we are downsizing and moving to a city where property values are much lower, we won't have any problems affording our next house. If we can just get a loan without 20% down.... more
If you get a fixed rate mortgage your payment will only go up if your "escrows" go up. Many lenders will collect money each month in your payment to hold in escrow and then use to pay for the property taxes and / or the homeowners insurance. These payments do typically increase over time so you'll be paying more.... more
You have to be able to show that your current income is likely to continue for 3 years or more so, yes, you need to have an avenue of income established. If you are relocating with your current company, you can present a signed relocation offer to show future income. If you are going to Portland cold turkey, you need to be employed in your same line of employment as you are currently.... more
I would recommend contacting a local Realtor for a market analysis. They would need a little more info to give you accurate comps (address, any updates to property, etc). FYI in that zip code for 3/2 sold prices in the last 6 months ranged from $140k-$209k.... more
A Real Estate broker got me into sign a BUYER REPRESENTATION AGREEMENT - EXCLUSIVE he did not told me what the name of form and did not and never give me any explanation what in the contract just told me to initial and sign, at the time I sign the form I was thinking I was signing the Purchase Contract (I sign this contract by myself without my husband). And few days later he e-mail me to sign by e file Purchase Contract I change mind not to buy the house. On 8/26/2015 I look at the contract and found this is not Purchase Contract called the broker and around 9:45 AM he told me to tear it and he will not hold me responsible for this BUYER REPRESENTATION AGREEMENT - EXCLUSIVE . On The Contract begin date July 29, 2015 and end date July 28, 2015 look like the end date year is wrong. My question is can this contract be enforced? Please help me.... more