Central Oregon The Right Place For You

While we are listing specialists, we also service buyers and strive to find the right property for them. We want your buying process to be smooth and for you to love the home you purchase. We will work with you to ensure any homes you are offered fit your needs and desires.

When you're ready to find the right home in Florence or the surrounding areas, fill out the form on our contact page or call us at the numbers listed on our Meet The Team page. Whatever your home-buying needs, together, we'll find what is perfect for you.

Resources for Buyers Things to Consider Before Buying a Home

Check Your Credit

Find a Lender

Tips to Consider When Shopping for a Lender

Different lenders will offer different terms and charge different fees for a home loan, whether you’re buying or refinancing. That’s why it's important to get quotes from more than one lender, compare your options, and ask questions. The more you shop around, the more information you’ll gain — and the more money you could save.

Although it can be tempting to accept your first offer, it pays to research your mortgage options.

Tip 1: Get quotes from multiple lenders

It’s recommended that you visit three to five lenders and discuss your mortgage options. Be aware that some lenders may charge a credit check fee.

Tip 2: Consider all types of lenders

Obtain estimates from loan officers at banks and credit unions, as well as mortgage brokers and non-bank lenders.

Tip 3: Compare loans on the same day

Because mortgage rates change frequently, it’s best to compare loan programs on the same day so that you can accurately judge cost estimates from several lenders.

Tip 4: Shop for a loan within a 45-day period

Try to do your mortgage shopping within a 45-day period so that there’s minimal effect on your credit. Multiple credit inquiries outside a 45-day period could lower your credit score.

Tip 5: Compare all loan terms, not only the mortgage rate

The loan with the lowest mortgage rate may not always be the best choice for you. Rates are important, but you should also consider the overall cost of the loan.

Be sure to look at the mortgage term, which is the duration of the mortgage, and the associated costs of financing, such as:

The APR for the loan.
Lender application fees.
Processing or loan origination fees.
Closing costs (also known as settlement fees).

Ask for an itemized summary of estimated fees from each lender you work with. This should help you understand costs and compare mortgage options.

After you submit an application, the lender is required to provide you with a Loan Estimate that includes the terms of your loan and all estimated costs, plus your APR, finance charges, and payment schedule.

Tip 6: Ask questions if you don’t understand loan features

Ask the lender to fully explain the loan program that is being offered to you if you don’t understand all its features.

Price Range

Research

Finding the right home can be time-consuming, but it's important to consider everything before you decide. What's the commute like to work? If you have kids, what are the schools like in the area? How many bedrooms and bathrooms will you need? Do you prefer a newer or older-styled home? All are important factors to take into account during the home-finding process. We are dedicated to helping you through the entire home-buying process. Once we find that perfect home, we will prepare a written offer. With my experience in the market, we can help you arrive at an offer that both fits your budget and has the best chance of being accepted.