Monday, November 21, 2011

Why Lake Chelan?

Lake Chelan, located in the center of Washington State is probably one of the prettiest places east of the mountains. With over 50 miles of crystal blue waters, Lake Chelan is the go-to vacation and resort spot in Washington State.

If you are considering a temporary trip, there are many Lake Chelan vacation rentals and resorts to choose from. Right on the water or lake view from up high, your choice will make for a beautiful get-a-way. Can't decide where to stay? Maybe a more permanent residence is up your ally. There are lovely Lake Chelan homes and properties all around the lake. You can stay just outside of town in the smaller community of Manson or choose a property in the foothills of the nearby mountains. Whatever your fancy, there is sure to be something you love about Lake Chelan.

If you do decide to buy, the husband and wife team of Tim and Mary Flood are excellent at being your buyers representative. They can assist you with any home in the area regardless of the listing agent included for sale by owner homes. They know the current market and know what prices should be so you are guaranteed not to overspend on a Lake Chelan home.

Maybe building from the ground up is more your style? No problem. There are many lots and vacant land for sale around Lake Chelan and in this market you can buy the land and build a home for much less than you could just a few years ago.

Looking for that killer deal? Buying a bank owned home in Chelan has never been easier. With low down payments, monthly mortgage payments and reasonable sellers this is a great time to cash in a super deal. There are several homes that may or may not need considerable work but if you are feeling like a remodel is in your future anyhow, this might be just the project to take on. You literally could save thousands over a seller occupied home.

When the right time comes, Tim and Mary Flood would love to help you find and close on the right house. Give them a call anytime at 509-682-4211 or email at info@timandmaryflood.com. They can help you out with any Lake Chelan real estate.

Buying a Home in Ruidoso For the First Time?

There's nothing quite like the realization you are buying and owning your first home. The professionals in Ruidoso real estate know this well as they help hundreds of first time home buyers find and purchase exactly what they've been dreaming of. With so many amazing programs and financing options still available you may be surprised what you could get out of a home.

Don't be scared to sit down and talk with a lender about the best Ruidoso mortgage option for you. With a steady income and reasonable budget you may even be able to afford a home with little to no money down. With rates still low, finding that home in a bigger price range just became more affordable.

Don't be one of those buyers, though, that think if they wait a little longer they will get a better deal. Here's the reality of that that we have seen time and time again: you find the home you love and then wait for the price to drop even further but in the mean time you have been out bid by another buyer and you have lost the house you really liked.

The best practice is to start looking when you know you can afford a home. You may not find a home right away but at least you will be ready and prepared when you do. There are many amazing Ruidoso homes on the market, from condos to land and any property in between. When you do find the property you want, whether it's this week or in a couple months, your lender will have a letter of pre-approval ready for you to present to sellers when submitting the offer. This will show the sellers you are a serious buyer that is ready NOW to buy.

If you are ready now but don't find a home right away, this is a perfect time to save up as much as you can so you can put that money down as an earnest money deposit. It goes toward the purchase of the home but typically the larger the amount the more the seller may accept your offer.

Can you get that money back?

A lot of times if the deal falls through for whatever reason, your Ruidoso buyers agent will be able to get the money back. There are exceptions though in that if you just quit the process without an inspection, without recourse or reason or simply fail to sign the documents at the last possible second, the seller may ask for the earnest money since they feel you have wasted their time for however long the transaction has taken. Most often than not though there is a viable reason for termination and then your earnest money is safe.

So when should you buy a house in Ruidoso? Anytime! We have agents waiting to help you get started on the first steps today. Contact Coldwell Banker in Ruidoso for more information or start viewing properties in Ruidoso here.

Friday, November 18, 2011

Can I Buy a House with Bad Credit or No Money Down in Alamogordo?

Can I Buy a House with Bad Credit or No Money Down in Alamogordo?

This is probably one of the more searched for questions when it comes to buying a home in Alamogordo, and any place for that matter. So many people want to buy a home and SHOULD buy a home. Not only because of the amazing deals and rates right now but for the overall sense and reality of home ownership that buying a home can mean.

If you're planning on staying in a home for at least two years, buying is the way to go. If not, renting may be more in your favor because, let's be honest, this is not the ideal market to buy a home in. But if you're buying to stay for a while, it's a great time. In fact, the last few years have gotten better and better in terms of buying and owning a house. So this begs the question... should you wait a little longer? Will interest rates drop further? Will I get a better deal on a house?

The answer? Yes and no. The yes means you may get a better rate, although not too likely. What that means on a mortgage payment is minimal; not worth waiting if you find the right house. The no means you won't get the better deal on the house you really want. When searching for Alamogordo real estate find the home you really want. Don't find it just yet? That's ok. Just keep looking because now, and shortly in the future that home will make it's presence on the MLS and then it will be the perfect time to buy.

Don't wait too long. It's like having a baby; there may never the exact perfect time. That's when you find the right home, just buy it. Don't hold off waiting for it to go lower or rates to drop. NOW is the time to buy THAT home. If you're considering looking for homes, this time in general is perfect regardless of your current financial situation. Why? Because whether you are qualified or not, you can KNOW now and plan for the future.

A good lender will tell you know if and when you will qualify for the home of your dreams. There are many home loans and programs that will allow you to find and purchase the right home at the right rate, RIGHT NOW. If you are not ready, right now, your lender will tell you what you need to do in order to be approved within the next 6 months. 90% of the time that's all it takes to get your credit on track enough to own a home.

Are there programs for no money down? Yes! If you qualify, and it's not that difficult, you can apply for a USDA home loan which allows for zero down home loans on qualifying Alamogordo properties. Plus, there are still FHA and VA loans with very little down and better mortgage rates.

So how do you find out if you qualify? Contact the Coldwell Banker local brokerage in Alamogordo New Mexico. They can help you find the right lender, the right loan and of course the right Alamogordo home for your needs. 575-437-1137 | cbsn@cbsn.com

Kirkland Washington Real Estate and Information

Growing up for 4 years around Kirkland Washington gave me even more of an appreciation for the Pacific Northwest. I was raised in Port Angeles but when I went to Northwest University at 18 my entire world changed. I existed between Bellevue and Kirkland for 4 years while attending school and would make the monthly trip back  to the Olympic Peninsula over the Kingston or Bainbridge Island ferry.

As much as those ferry rides and long waits sometime aggravated me, I learned to have that appreciation of the area in which I lived. Looking back now, I miss the smell of the Puget Sound, the seagulls following the ferry and the simultaneous view of the mountains and the water.

Kirkland Washington is a great place to live not only for the view but the centrally located suburbs all around the larger cities of Bellevue and Seattle. These bigger towns are great for holiday shopping, major industrial companies and great jobs but living in the Kirkland real estate area is really where it's at.

A short 10 minutes from Kirkland to Bellevue is all commuters have to deal with and a quick jaunt across Lake Washington is what Seattle workers would face should they choose to live in Kirkland. As with any major metropolitan city there is some traffic issues and the government officials are always trying to alleviate that issue. I think it's the on-going debate on what to do. But depending on what time of day you travel, there are breaks in the traffic making the trek across the pond a beautiful one.

Kirkland itself has a wide variety of neighborhoods. There are several distinct communities in the Kirkland area from Rose Hill to the east to Downtown and Central right on the water. Whatever you are looking for, you can usually find what you need in a price range you feel comfortable with. Kirkland often is home to some of the more elite members of the Puget Sound offering homes in the millions. But it's also counter-acted with some lovely neighborhood homes in the low $300s as well. These homes are close to schools, dozens of parks and every amenity one could want.

Kirkland has great dining and shopping plus a local theater playing all the latest showings. Right on the water is some great shopping spots such as Sur La Table and home decor boutiques. There is also the famous Seattle's Best Coffee right down on the water. This came in handy on those late studying nights.

The Kirkland waterfront is something every one should see. Starting from Carillon Point and the great dining such as the Beach Cafe and Starbucks. (When I lived there I worked as a valet for the point and there was the fabulous restaurant, Cucina Cucina. We used to sit and just indulge on their rosemary olive flat bread!) Now other restaurants have made their mark on Carillon Point which is also home to the hotel and marina.

Speaking of Marina, Kirkland offers the Yacht Club right on the water in south Kirkland. This unique and exclusive club offers great dining and some of the best yachts in the area.

Kirkland is a wonderful place to call home. If you are in the market for Kirkland homes or condos, feel free to contact the experts in this department. Hallmark Realty of Kirkland specialized in residential, commercial, land and condos in Kirkland. 425-822-1241 or email them at: info@hallmarkrealty.com