Dan Bradstreet RE/MAX - Expert Realtor

Starting May 1st there will be appraisal changes. Starting May 1st, lenders will be ordering appraisals, not the consumer or broker. What does this mean? it means that the appraisal process will take longer, which will result in the whole loan process taking longer. The mortgage brokers won't have the option of using an appraiser who can do the appraisal fast, now they have to wait for the lender to assign the appraiser to the loan, then they can schedule it with the seller. Now the borrower will need to pay for the appraisal up front with a credit card or check. Be ready for a longer loan process. Start requiring 60 days to close not 30 days. This will create more of an underwriting back log, so be ready for these appraisal changes by preparing for longer escrows.

Distressed homes and short sale property, foreclosures, Bank Houses and Condos for sale.
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You could buy a home even if you have 0 Money on hand however to be successful it comes down to three steps that really aren't to difficult.......

1) Qualify for a loan -- This means you must have an income along with
an average credit score. "not perfect but just not bad"

2) Find a home that the seller is willing to sell for less money than it will appraise for.

3) USDA loan "farm home loan", contact Dan Bradstreet for a Farm Home Loan Map.
FHA loan .... "you will need to be gifted the down payment".
VA loan .... "If you qualify for a VA loan this might be a great option.

There are other factors that your lender can address or give you advice on what you need to qualify for the price range desired. The possibility of finding a home that will appraise for enough money to cover the closing costs and down payment required by most lenders is actually good. In most cases the home buyer will need about 5% of the total sales price to close. These costs can be paid by the seller with the proper wording and process when presenting an offer to buy a property. For more information or to have the opportunity to work witha Professional REMAX REALTOR familiar with this type of home purchase, please contact Dan Bradstreet at or 360 607 6087 or fill out the form at NO MONEY DOWN

Tigard, Oregon
TriMet WES Commuter Rail opened February 2, 2008 providing weekday rush hour transportation, linking the cities of Tigard, Beaverton, Tualatin and Wilsonville. It is a 10 mile commute to Portland for Tigard commuters. The City of Tigard is a fast growing family oriented community in Washington county. The estimated
population for 2008 is 47,150. The citizens, city government and business owners work together to keep Tigard a progressive, community oriented City. more about Tigard Oregon Property including a Professional Tigard home search incuding short sale and bank owned homes for sale.
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City of Beaverton Oregon
Location- Seven miles West of Portland in Washington county. Beaverton has much to offer, no matter what life style you prefer. It is the fifth largest city in the state of OR, and the second largest suburb in the Portland metro area. Housing is available from luxury homes to condos. Beaverton residents can easily access a wide range of community services, superb shopping and dozens of churches Crime rate is low and the community takes pride in their City. Estimated Beaverton population - 85,560 as of July, 2007.

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City of West Linn Oregon
The City of West Linn is located in Clackamas County OR with an estimated population of 24,400 as of July 2008. Parts of West Linn are it is bordered by the Willamette and Tualatin Rivers. West Linn has over 600 acres of park land, including Mary S. Young State Park and the Camassia Natural Area a beautiful natural reserve. Property "home" values are in the "upper end' range with very community oriented residents.
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