Have You Checked Out Fred Real Estate Group in Bend, Oregon Yet?

Fred Real Estate Group in Central Oregon, find out what all the talk is about!

Has the Real Estate Market in Central Oregon Stabilized?

Has the Real Estate Market in Central Oregon Stabilized? Sign up for free market reports to keep track of recent sales and property values in your Central Oregon Neighborhood.

Welcome to Bend!

Why do you love Bend, Oregon?

Is it the 4-5 inches of snow we received this morning?

The blue skies we're blessed with this afternoon?

Perhaps the it's the many Central Oregon Golf Courses or the abundance of hiking and biking trails.

Is it the friendly people around town that truly love living here?

Whether you're a long term resident or thinking about moving to Bend, Oregon, you'll find many things to love about the beautiful high desert.

Check out the MOMS Club® of Bend, Oregon - Moms Offering Moms Support.

If you're a mom who's new to Bend or a long time resident, you should check out the MOMS Club® of Bend, Oregon Moms Offering Moms Support.

Here is what the MOMS Club® of Bend has to offer you:

Playgroups - are available for brand new babies through toddler, preschool and older.

Children Activities - including visits to Bouncing off the Wall, sledding, fire station visits, library story time and pottery making. New activities every month for kids of all ages.

Mom's Night Out - need a few hours away from the kids, join fellow moms for a night on the town, we rarely meet at the same place twice.

Couple's Night Out - line up the babysitters and have a date night with other couples.

Family Night Ou t- coming up in December our family activity will be a meet-up at the Bend, Oregon Christmas Parade. Feel free to contact a board member for more details on time and exact location. Join us for some Holiday FUN!

Monthly Meeting Social - join us the 2nd Wednesday of the Month at 10:30 am at the First Methodist Church 680 NW Bond, Bend, OR for a guest speaker and more info on the Bend Mom's Club.

Community Service Projects - we participate in a variety of service projects through out the year primarily focusing on raising funds and donations for organizations that support families.

But most of all a great support group of moms just like you! For more information on the MOMS Club® of Bend, Oregon email momsclubofbendor@bendbroadband.com.

Text 'Google' on Your Mobile Phone for Directions, Weather or Random Facts

Text 'Google' on Your Mobile Phone for Directions, Weather or Random Facts. If you're out and about and either don't have a web browser on your phone or don't want to use it just text message Google and Google will text you back the answer.

First enter GOOGLE or the number 466453 as the recipent

Second, ask Google your question.

Find Local Businesses - Text: Business name and zip code or city (Example: Sushi 97701)

Weather - Text: Weather zip code (Example: Weather 97701)

Sports Scores - Text: Score Team Name (Example: Score Broncos)

Directions - Text: Starting Address to Destination Address (Example: 97701 to 23185) directions can be as general as zip codes or full street address to full street address.

Stocks - Text: Stock and Ticker Number (Example: Stock GOOG)

Random Facts - Text: Any Question (Example: How long do I cook a turkey?)

There is no charge to use the texting Google service, except the normal charges your cell phone provider charges you to send a text. More texting Google options.

New Legislation Proposing an Increase in FHA Down Pament from 3.5% to 5% - To Keep Home Owners from Defaulting on Loans.

How will this Effect the Central Oregon Housing Market? New Legislation Proposing an Increase in the FHA down payment from 3.5% to 5% - To Keep Home Owners from Defaulting on Loans.

According to a recent article on Yahoo News "More cash down proposed for FHA-backed loans,"

...the administration wants borrowers to have a stronger equity position on their loans. One possibility would be raising the current 3.5 percent down payment requirement. Proposed legislation in Congress would raise the down payment required to 5 percent.

The rational behind the increase is two fold:

...to get homeowners more invested in their property and therefore less likely to default on loans....and to better protect the FHA...

At first glimpse this makes sense, then again maybe not. If a homeowner has more equity in their home are they really more likely to not default on the loan in a period of financial hardship? Using my recent and current clients as an example, the FHA loans have been on properties under $300,000. Most of then have been on properties under $150,000. Let us take a look at the math.

FHA Loan Down Payments 3.5% vs. 5%

$300,000 x 3.5% = $10,500 down payment

$300,000 x 5% = $15,000 down payment

Difference on $300,000 Loan = $4,500

$150,000 x 3.5% = $5,250

$150,000 x 5% = $7,500

Difference on $150,000 Loan = $2,300

Is an additional $2,300 to $4,500 going to keep home owners from defaulting on their loans or will it keep potential first time buyers from being able to afford homes? If a homeowner falls into financial hardship would the extra money serve the homeowner better in their bank account or in their equity? I'm not sure that $2300 in equity is going to save the day.

Congress, be honest, the increase in down payment is to protect the FHA. Which may be important too.

"FHA's reserves have fallen to $3.6 billion, compared with $685 billion in outstanding insured loans for the fiscal year ended Sept. 30. That 0.53 percent ratio is far below the 2 percent threshold required by Congress."

How will this Effect the Central Oregon Housing Market? Are you financing your next home with an FHA loan? How would this change effect you?

There's a Fine Line Between Thursday Night and Friday Morning - Are you Giving or Getting?

We make a living by what we get, but we make a life by what we give.

~ Winston Churchill

"There's a fine line between Saturday night and Sunday morning".....I'm sure we've all heard this quote, maybe even said it a few times, in our before child, wild years. As I was watching the news this Thanksgiving weekend listening to the endless stories on the preparations and deals for Black Friday, I was somehow reminded of the somewhat vulgar quote. "There's a fine line between Saturday night and Sunday morning" - usually referring to a night of heaving drinking followed by religious repentance. When it comes to Thanksgiving weekend.....there's a fine line between Thursday night and Friday morning. The country transforms in a matter of hours, from being Thankful for their families and blessings received throughout the year, to crazed shoppers trying to be the first in line to get, get, get.

In Bend, the past year we've seen housing prices tumble and jobs lost at record rates. In the spirit of Thanksgiving and Christmas let us remember to be Thankful every day for the many blessings we've received and take an opportunity to give.

Think of giving not as a duty but as a privilege.

~ John D. Rockefeller Jr.

There are so many ways we can give even if we don't have a lot of money to donate. This year the Adams Team is assisting the Bend MOMS Club in their effor to support, Grandma's House, a faith based, non-denominational, non-profit home, and outreach ministry, providing safe, nurturing, and stable shelter to homeless and/or abused pregnant, (whether choosing adoption or parenting) and parenting teens mothers between the ages of 12 to 19 years old and their babies.

Please join us in giving back to Grandma's House by spending a few hours with your family going through your house to choose a few gently used items from the following list to donate. If you don't own anything on the list, while out on your next shopping trip bring the family to help pick out one gift.

For the Girls

• Slipper sock with non-skid bottoms


• Disposable cameras


• Scrapbooking supplies


• First aid kits


• Long distant phone cards


• Body Wash


• Alarm clock radios


• Personal journals


• Crafting Items


• Large and extra large hooded sweatshirts

For the Babies

• Swaddle blankets


• Baby carry slings


• Baby care items: Q-tips, cotton balls, diaper wipes & baby wash


• Diapers from newborn to size 6


• Baby monitors


• Newborn clothingfor either boys or girls


• Premie clothing - greens and yellows


• Baby socks


• Cardboard baby/toddler books

Donations can be brought to the MOMS Club Meeting or contact a board member to arrange a drop off.

It is every man's obligation to put back into the world at least the equivalent of what he takes out of it.

~ Albert Einstein

Keep your Central Oregon Home Warm this Winter with these 5 Inexpensive Energy Saving Tips

Keep your Central Oregon Home Warm this Winter with these 5 Inexpensive Energy Saving Tips

1. Check Your Doors for Leaks - Keep the cold air from leaking in doorways by replacing or fixing your weather stripping or using a decorative draft stopper.
   


2. Open and Close Your Blinds - Open your blinds to let the sun shine through and help heat your home during the day. Then make sure to close the blinds to help seal the heat in as the sun goes down.


3. Bundle Up - Add a little extra insulation to your body. Wear a sweater and slippers to keep warmer vs. turning the thermostat up.


4. Enter your House through the Garage - If you don't already have an arctic entry way use your garage to enter the house and keep the cold breeze from entering with you.


5. Exercise - Exercise increases your blood flow and warms your body. If you've got the winter chills add in 10 minutes of exercise, not only will you stay warmer with out spending money you'll be healthier too!

Central Oregon Awarded $3.89M for Affordable Housing

Central Oregon Awarded $3.89M for Affordable Housing. The real estate market has declined and rent rates are lower across Central Oregon, but the need for affordable housing is still in high demand.

According to an article in todays Bend Bulletin, the state housing agency has awarded approximately $3.89 million in grants, tax credits and loans to contractors in an effort to repair and add additional affordable hosing in the area. These funds will help maintain section 8 housing through out Central Oregon including Quimby Apartments in Bend, the High Desert Commons Project in Redmond and Grasshopper Village in Prineville.

This is good news for the more than 78,000 low-income rental households in Crook, Deschutes and Jefferson counties.

Read the whole article - Affordable housing gets a boost on the Bend Bulletin online.

Are Your Skis and Snowboards Ready? It's Official - Mount Bachelor Opens Friday, November 20th 2009 at 9am!!!

Are Your Skis and Snowboards Ready? It's Official - Mount Bachelor Opens Friday, November 20th 2009 at 9am!!!

The ski season has officially begins this Friday as Mount Bachelor opens in Central Oregon. Opening day operating lifts are expected to be the Pine Marten Express and Sunshine Express. Additional areas of the Mountain are expected to begin opening Saturday through the Thanksgiving weekend. The Nordic Lodge and trails will also open for the season first thing Friday morning.

All open services will be operating out of the West Village Base Area including food, rentals, retail shop and Snowsports school.

Skiers and Snowboarders should remember that early season terrain still exists and to watch out for unmarked obstacles. The staff at Mount Bachelor recommends skiing and riding groomed terrain. For beginners there are a few runs open via the Sunshine express.

If you don't already have a season pass - visit the Tickets/Passes page of the Mount Bachelor website for more information.

As of Tuesday, November 17, 2009, there has been 70" of snowfall and more is on the way!

Has the Real Estate Market in Central Oregon Stabilized? Free Market Reports for your Neighborhood.

Has the Real Estate Market in Central Oregon Stabilized? Free Market Reports for your Neighborhood are available from Kryste Adams and Neil McDaniel of Fred Real Estate Group.

These reports will provide you with recent sales and active listings in your Bend, Redmond or any other Central Oregon neighborhood. Whether you are looking to buy or sell your home, take advantage of these reports so you can stay competitive in this challenging real estate market.

Knowledge is Key to staying on top! Please contact us with questions, we are happy to assist you with any of your Central Oregon real estate needs.

Winter Golf, Just One More Reason to Love Central Oregon - Where You Can Golf & Ski in the Same Day! Here's Where to Play.

It may be snowing but you can still Golf this winter or any winter in Bend, Redmond and surrounding Central Oregon Cities. Just one more reason to love Central Oregon - you can ski and golf all in the same day!

The following Central Oregon Golf Courses are still OPEN for Public play all winter.

• River's Edge Golf Course in Bend, OR


• Lost Tracks Golf Club in Bend, OR

• The Greens at Redmond in Redmond, OR
  


• Juniper Golf Course in Redmond, OR


• Missing Link Family Golf Center in Redmond, OR

• Kah-Nee-Ta Resort in Warm Springs, OR

• Meadow Lakes Golf Course in Prineville, OR
  

• Challenge Course and Ridge Course at Eagle Crest Resort

• Desert Peaks Golf Club in Madras, OR

A few pointers for Central Oregon Winter Golf:

Be prepared to walk more often in the winter as high cart traffic can be damaging to the grass over the winter. Bundle up to keep your muscles warm between holes especially if you are not walking the course.

Although these courses are open year round, they may not be open every day. Call ahead to double check before heading out to hit the links. Click the link on the above courses to be directed to their websites.

Avoid frost delays by scheduling late morning or early afternoon times. While it's great to be the first one on the course when the sun is rising in July, this is not the best course of action for the winter. Schedule late morning and early afternoon tee times and you'll have a better chance of scoring an on time tee time.

Don't Miss the 10th Annual Veterans Day Parade in Bend, OR, Wednesday, November 11, 2009

Don't Miss the 10th Annual Veterans Day Parade in Bend Oregon this Wednesday November 11, 2009.

This year's parade begins at 11:00 am on NW Newport Ave. The parade will proceed through downtown Bend, OR to the Veterans Memorial Bridge.

The Veterans Day Parade of Bend is sponsored by community and volunteer donations. Come out Wednesday and show your support of our Veterans. A map of the parade route is available on the Bend Bulletin's Website.

Photo Notes: The picture is my cousin, CPT Scott Adair, currently serving our country in Iraq. Stay safe Scott!

Central Oregon First Time Home Buyer and Repeat Home Buyer Tax Credit Update - Obama to Sign Extension on Friday.

Central Oregon First Time Home Buyer and Repeat Home Buyer Tax Credit Update - Obama to Sign Extension on Friday.

After an overwhelming vote in the Sentate on Wednesday and another overwhelming vote in the house today (Thursday) the Bill to extend the First Time Home Buyer and Repeat Home Buyer Tax Credit has one remaining step. Only one signature remains, President Obama will sign into law Friday morning according to CNBC.

Stay tunned for a full update including the tax credit amounts, dates and limitations.

Good News for Bend Oregon Home Buyers: First Time Home Buyer and Repeat Buyer Tax Credit Close to Final Senate Vote

Good News for Bend Oregon Home Buyers: First Time Home Buyer and Repeat Buyer Tax Credit Close to Final Senate Vote

Innman News recently announced with in the article, "House leader: Tax credit a go," the following:

The Senate on Monday voted 85-2 to place limits on further debate of HR 3548, a bill extending unemployment benefits that includes an amendment that would allow homebuyers to claim the credit on sales under contract before May 1. The vote to invoke cloture moves HR 3548 closer to a final vote in the Senate as early as today.

Stay tunned for continuing updates as news is released regarding the first time home buyer tax credit and repeat home buyer tax credit.

Outstanding New Loan Program Available for Real Estate Investors in Bend, Oregon

Outstanding New Loan Program Available for Real Estate Investors in Bend, Oregon

Market Niches WHO CAN BENEFIT?

• People looking for a great deal for a primary, second home or an investment property


• First time home buyers allowed


• Non-Perm Resident Aliens are not allowed


• Non-Occupant Co-Borrowers are not allowed

FHA VS. HOME PATH

• FHA requires UFMI & an annual MI premium


• Home Path only requires LPMI

• FHA only allows purchases on primary residences


• Home Path allows purchase options for primary, second & investment homes

• FHA requires a full appraisal on purchases


• Home Path requires no appraisal as the LTV is set by the purchase price

Underwriting Guidelines

LOAN LIMITS

• Conforming $417,000 (One Unit)

TERMS AVAILABLE

• 30 Year Fixed TRANSACTION PURPOSE


• Purchase Only

CREDIT

• 640 Minimum

PROPERTY ELIGIBILITY

• Condos, PUDS, SFR, Multi Family Dwelling are eligible for financing


• Maximum of 10 Property for owner occupied transactions


• 4 properties owned restriction for non-owner occupied and second home transactions

LTV / CLTV

• LTV is determined by sales price - no appraisal required

Minimal 3% Down Payment

• No minimum from the borrower


• Can be 100% Gifted


• Can be a Grant


• Can be a loan from a Nonprofit Organization, State or Local Government or Employer

Purchase Owner Occupied/ Purchase Investment Property

Appraisal Requirements

LTV DETERMINED BY SALES PRICE

• No Appraisal Required

Email for more details. . . . .

This loan program is offered through Aaron Myra of Bridge City Lending in Bend, Oregon.

First Time and Repeat Home Buyer Tax Credits - The Vote IS NOT In - Lawmakers are Getting Closer

First Time and Repeat Home Buyer Tax Credits - The Vote IS NOT In - Lawmakers are Getting Closer

News updates, rumors, fact and fiction have been flying around regarding the extension of the first time home buyer tax credit. As of today, Thursday, October 19th 5:04 EST (2:04 Pacific), these are the facts regarding the extension of the $8000 first time home buyer tax credit as reported by CNBC. If you're reading this post after the 29th chances are there are more facts and fiction I have not yet reported.

A larger glimmer of hope for those hoping to benefit from the First Time Home Buyer Tax Credit as well as Repeat Buyer Tax Credit. According to Realtor.org, "Key lawmakers in the Senate have tentatively agreed to extend the existing $8,000 tax credit for first-time home buyers and also offer a new $6,500 credit for existing homeowners who have lived in their current residence for a consecutive five-year period in the past eight years." Please do not confuse "agreed upon with voted." This has not yet been ratified.

In addition to the agreement, we do have more information regarding the proposed dates for the tax credit to end. Home Buyers must have a home under contract by April 30, 2010 and the property must close before July 1, 2010.

WHEN IS THE VOTE??? According to CNBC, the vote for the Tax Credit extension and addition of the repeat buyer tax credit is as follows:

"The Senate is expected to take up the tax credit measure next week as part of separate legislation to extend insurance benefits for unemployed workers.

The House, which would also need to approve it, is expected to wait for the Senate to act."

However, a measure to keep interest rates down and loan limits high did pass the House.

Approved:The House of Representatives approved a measure that would keep the loan limit for U.S.-backed mortgages at $729,750 until 2011, effectively holding interest rates down for a large swath of U.S. homebuyers. The limit was scheduled to shrink to $625,000 at the beginning of 2010

On a side note. The tax credit has been estimated to cost $1billion per month. How do you feel this will effect our economy?

For more information on the first time home buyer tax credit, repeat home buyer tax credit stay tuned......

Attention Central Oregon Home Buyers: Fact vs. Fiction on the First Time Home Buyer Tax Credit Extension

News updates, rumors, fact and fiction have been flying around regarding the extension of the first time home buyer tax credit. As of today, Wednesday, October 28th 8:06 EST, these are the facts regarding the extension of the $8000 first time home buyer tax credit as reported by CNBC. If you're reading this post after the 28th chances are there are more facts and fiction I have not yet reported.

The summary of today's updates regarding extending the first time home buyer tax credit.

Fiction = The extension of the $8000 first time home buyer tax credit has passed a vote.

Fact = The tax credit has not yet been extended. A vote was set to occur this week but may be delayed until next week. Specifically, Republican Senator Mitch McConnell stated, "(the) Timing of a Vote is Uncertain."

Fact = Top Senate Democrats and Republicans have voiced support for Extending the tax credit although there has not been a vote on the measure

Fact = The newest measure will extend the tax credit through the end of April 2010.

Fact = The new measure will have increased income caps for both individuals and couples. Individuals making up to $125,000 and couples making up to $250,000 per year will qualify for the tax credit.

Fact = The tax credit will be $8000 for first time home buyers and $6500 for repeat home buyers. What isn't clear is the time line for repeat home buyers will all buyers from 2009 be included or only those purchasing after the measure passes.

Fact = There are plans to attach the home buyer tax credit as an amendment to legislation designed to lengthen insurance benefits for unemployed workers

Hopefully, this clears up some of the confusion for home buyers here in Bend, Oregon or else where. Remember home buyers, bills may be amended as they pass through the House and Senate. These are the facts regarding the proposed legislation not the outcome. If you remember last spring repeat home buyers were included in the tax credit as well, but it did not pass.

Stay tuned for more updates on the first time home buyer tax credit and the repeat home buyer tax credit.

New Updates on Extending the $8,000 tax credit for First Time Home Buyers in Central Oregon

Good News for First Time or Second Time Home Buyers in Bend, Oregon - Updates on Extending the $8,000 tax credit for First Time Home Buyers

According to CNBC, the extension of the First Time Home Buyer Tax Credit is making progress. The most recent update has the $8000 tax credit extended through the end of April. In addition, the Bill will included a credit for repeat buyers (those who have lived in thier home three of the last five years) of a primary residence. Repeat buyers would recieve a $6500 credit. According to CNBC, "Senate Banking Committee Chariman Christoperh Dodd stated that a deal has been reached." Additional specifics on the "deal" have not yet been reported and the "deal" still has to pass a vote.

Stay tunned for addittional updates on the Bend, Oregon real estate market and the $8000 first time home buyer tax credit.

Real Estate Market Statistics for Home Sales in Bend, Oregon - September 2009 Sales Prices are UP

Real Estate Market Statistics for Home Sales in Bend, Oregon - September 2009 Sales Prices vs. List Prices. Home sales are up and so are sales prices in Bend.

The difference in Sales price vs. list price for homes sold in September 2009 in Bend, OR, are close to or over 100%. Of the 167 homes Sold in Bend, OR, in September, 8 homes were on the market less than 30 days and they sold for 105% of the list price. There were also 43 homes on the market for between 30 and 60 days that sold for approximately 99% of the list price. The remainder of the homes sold in Bend were on the market greater than 60 days and still sold for around 93% of the list price.

List vs Sales Price for Bend Oregon Home Sales in September 2009

Minimum Average Median Maximum

List Price $81,180 $277,320 $209,900 $1,950,000

Sales Price $92,500 $265,104 $205,000 $1,500,000

Real Estate Market Statistics for Bend, Oregon - Homes Sold in September 2009

Bend, OR Real Estate Market Statistics - Homes Sold in September 2009

In September 2009 there were a total of 167 Single family homes sold in Bend, Oregon. Bank owned homes sold comprised 66 of the total home sales in Bend while 33 were short sales.

In comparison to August 2009 Statistics there was a slight increase in total homes sales, approximately 23 more homes sold in Bend, OR in September 2009 vs August 2009. The most notable difference is the amount of Bank Owned homes sold in Bend in September vs. August.

There was almost a 50% increase in the number of Sold Bank Owned homes in Bend, 36 sold in August vs. 66 sold in September.

The 'September 2009 Sold by Type' pie chart has the break down for Residential and Residential with Acreage Homes sold in Bend Oregon for September 2009.

Super Fun Fall Family Activities in and around Bend, Oregon – NorthWest Crossing Harvest Fest 2009 in Bend, Oregon

Super Fun Fall Family Activities in and around Bend, Oregon – NorthWest Crossing Harvest Fest 2009 in Bend, Oregon. If you haven’t been to a festival in NorthWest Crossing, then you are missing out. The 2009 Harvest Fest will surely be another Super Fun Fall Family Activity in Bend, OR. As always, NorthWest Crossing has planned pleanty of activities to keep the kids happy and local music for all to enjoy.

Location: NorthWest Crossing on NW Crossing Drive in the Neighborhood Center

Date: Saturday, October 17, 2009

Time: 12:00 PM to 4:00 PM

Super Fun Kids Activities

• Kids' Halloween Scavenger Hunt throughout the NorthWest Crossing Neighborhood Center


• Kids' Costume Contest and Parade (3:00 pm)


• Facepainting, provided by the Summit High Dance Team


• Free bouncy houses


• Meet "Louie" the mini donkey


• Kids' Craft - Fall Decorations

Live Music:

12:00 - 1:00 pm Quincy Street band

1:30 - 2:30 pm Etoufee

3:00 -4:00 pm Jackstraw

In the heart of the Neighborhood Center are several delicious restaurants with meal or snack options for the whole family to enjoy, including: La Rosa Mexican Kitchen, Pisano's, Portello winecafé, Riley's Market and Sage Café. Also on site will be the Produce Patch Harvest Bounty Booth.

Be there Saturday for an afternoon of Super Fun Fall Family Activities in and around Bend, Oregon!

More Super Fun Fall Family Activities in Bend Oregon

The Central Oregon Pumpkin Co. Safari Adventure 2009

A Snowy Morning In Bend Oregon!

A Snowy Morning in Bend, Oregon!

Today we woke up to quite a surprise. Can't believe it was 90 degrees a week ago. Here are some pictures from my snowy neighborhood in Bend.

The Neighborhood with a fresh Blanket of Snow

My Little Angel making Snow Angels

Early morning backyard views now several inches deeper.

Oregon Homeowners Open your Notice of Default Letters NOW! There May be Help Inside. New Law REQUIRES Lenders to Talk to YOU about Loan Modification!

Oregon Homeowners Open your Notice of Default Letters NOW! There May be Help Inside. New Law Requires Lenders to Talk to You about Loan Modification!

There is good news for Oregon homeowners trying to avoid foreclosure. A new law, Senate Bill 628, just passed the Oregon Legislature and now requires lenders to take more steps to keep Oregon homeowners in their homes. Senate Bill 628 will hopefully make it easier for homeowners in danger of foreclosure to get the information necessary to stop the foreclosure process through loan modification.

A summary of the new requirements are below, the full details are available in a great article Foreclosure Life Line by KOHD news.

Lenders are now required to meet with Oregon homeowners either by phone or in person to determine if the homeowner qualifies for loan modification, which can lower their monthly payment. Not anyone from the lenders office can meet with the homeowner, it must be someone who IS a decision maker in regards to loan modification.

Oregon homeowners will now receive specific information within a Notice of Default Letter detailing the steps necessary to request loan modification. This includes the phone number you need to call to request loan modification as well as the form to fill out.

Important Points for Oregon Homeowners - YOU must take ACTION!

• You have 30 days from the date of the foreclosure notice to request loan modification.

• YOU must request the loan modification; your lender will not be calling you. Again, the forms and contact information will be provided in the Notice of Default Letter but the homeowner must request the loan modification.
  

• Get Help, you don’t have to try this alone – call 1-800-SAFENET for foreclosure counseling services.

Additional resources for Oregon homeowners in need of foreclosure assistance.

Super Fun Fall Activities in and around Bend, Oregon - The Central Oregon Pumpkin Co. Safari Adventure 2009

Our First Super Fun Fall Activity in and around Bend, Oregon - The Central Oregon Pumpkin Co. Safari Adventure 2009. This is the first in a series of posts about Super Fun Fall Family Activities in and around Bend, Oregon to help keep you busy celebrating the Harvest Season.

The Central Oregon Pumpkin Co. located in Terrebonne, OR is a MUST DO family activity this fall. Located just outside of Bend, OR and Redmond, OR; The Central Oregon Pumpkin Co.’s Pumpkin Patch, Corn Maize and Pumpkin Cannon will excite kids of all ages. Click the this link for directions.

The Pumpkin Patch is open September 27^th and Runs through Halloween.

The Central Oregon Pumpkin Co. has much, much more than pumpkins. The family activities on site included Clydesdale Horse Drawn Wagon Rides, a zoo train, hay fort, petting zoo, pony rides and a pumpkin Cannon. Yes, I said Cannon. For a small fee, one can launch a pumpkin into the sky out of a VERY large cannon. Although the Pumpkin Patch is open all week, not all activities are available every day, see the schedule provided below.

Pumpkin Patch Hours:

Monday thru Friday 12:00PM – 6:00PM

Saturday & Sunday 10:00AM – 6:00PM

Pumpkin Patch Activity Prices

Pumpkin Cannon: $2.50 per shot (Saturday & Sunday)

Zoo Train: $2.50 per child (Saturday & Sunday)

Pony Rides: $5.00 per child (Saturday & Sunday)

Horse Drawn Wagon Rides: FREE

Petting Zoo: FREEHay Fort: FREE

The Corn Maize Safari Adventure 2009

This year’s Corn Maize at the Central Oregon Pumpkin Co. has a safari adventure theme. Visit their website www.pumpkinco.org and click on Corn Maize to see the elaborate design with a full of safari animals. The Maize has you trekking through an elephant, giraffe, lion and zebra. See the schedule below if you're ready to get lost in the Maize.

The Safari Corn Maize Hours:

Friday 3:00PM – 7:00PM

Saturday 10:00AM – 7:00PM

Sunday 10:00AM – 6:00PM

The Safari Corn Maize Admission Price

Age 5 and under – FREE

Ages 6-11 - $5.50

Ages 12+ - $7.50

Harvest Market

For those who love fresh locally grown produce, don’t miss the Harvest Market at The Central Oregon Pumpkin Co. Add to your fall menu with fresh grown winter squash, gourds, mini pumpkins, local apples, honey and jams.

Head out today through October 31st to the Central Oregon Pumpkin Co.'s Pumpkin Patch or Corn Maize for a day of Super Fun Fall Family Activites!

Stay tuned for more Super Fun Fall Family Activities in and around Bend, Oregon.

Just Listed - $144,900 - 2917 SW Juniper Ave., Redmond, OR 97756

Just Listed in Darnel Estates - $164,900 - 21217 Darby Ct., Bend, OR 97702

Just Listed 898 NE Locksley DR., Bend OR 97701 - Beautiful home on large Corner Lot with Double RV Parking!

Just Listed in Bend Oregon - $199,500 - Custom Built Home on Large Corner Lot - Peale St., Bend, OR 97701

Bend Oregon Real Estate Market Statistics - Homes Sold in Bend Oregon by Area in August 2009

Bend Oregon Real Estate Market Statistics - Homes Sold in Bend Oregon by Area in August 2009

You know you live in Bend when you reference every location with a NE, NW, SE or SW. Based on these locations her is where are homes selling in Bend, Oregon and what are the sales prices are based on location?

Homes Sold in August 2009 in Bend Oregon
NE Bend = 42
NW Bend = 43
SW Bend = 28
SE Bend = 29

60% of all homes sold in Bend were in the North end of Bend with the East / West difference being minimal both on the North and the South side.



Active Listings - Where are the Homes for Sale in Bend Oregon?
NE Bend = 272
NW Bend = 397
SW Bend = 269
SE Bend = 262

Again, NW Bend takes the lead for total homes on the market with the NE, SW and SE sections of town virtually even.


What are Homes Selling for in each area of Bend? As no surprise NW Bend comes in with the highest sales price. However, median home sales and minimum home sales are close across town.

Sales Price for Homes Sold in August 2009
	Minimum	Median	Maximum
NE Bend	$89,000	$150,000	$225,000
NW Bend	$93,000	$375,000	$1,400,000
SE Bend	$100,000	$232,500	$785,000
SW Bend	$109,900	$275,000	$925,000

Bend's Quadrants

For my readers who are thinking about moving to Bend or unfamiliar with the layout, the town is divided into four quadrants.

The East / West dividing line is Hwy 97 (The Bend Parkway).

The North / South dividing line is a little more confusing. Starting on the East side of Bend the divider is Hwy 20 which turns into NE Greenwood then NW Greenwood as you are nearing and passing under the Bend Parkway (Hwy 97). Then just as you're leaving downtown Bend it turns into NW Newport Ave. and again turns into NW Shevlin Park Rd as you continue to head West.

If you’re looking for a luxurious Home and a private Golf Community, the Broken Top Golf Club Homes for Sale is where you want to look and live.

If you’re looking for a luxurious Home and a private Golf Community, the Broken Top Golf Club Homes for Sale is where you want to look and live.

Broken Top, a golf community in NorthWest Bend is a neighborhood filled with luxurious custom homes and spectacular Mountain Views. Broken Top is located just off Mount Washington Dr. with easy access to The Shops at Old Mill, NorthWest Crossing, Bend Athletic Club, Downtown Bend and Phil’s Trail.

Broken Top Golf Club is a private club which features an 18-hole, par 72, 7,161 yard Weiskopf-Morrish designed golf course. It was built in 1993 and like many of Bend’s great golf courses; Broken Top’s views are outstanding. Throughout the golf course, from their homes and from the clubhouse members can enjoy panoramic views of Broken Top, Mt. Bachelor, South Sister Mountains as well as Broken Top Lake. The golf course is surrounded by the High Desert natural landscaping of tall pines and lava rock outcroppings.

In addition to the golf course, Broken Top Club amenities include: a clubhouse with excellent dining, outdoor tennis courts and two swimming pools. The community also features an extensive network of bike and walking paths that are even kept clear in the winter months for year-round enjoyment. You do not have to be a home owner in Broken Top to participate in the Broken Top Club Membership. The club offers various Social and Golf Memberships.

Currently, there are 46 Homes for Sale in Broken Top. The majority of the homes for Sale in Broken Top range in price from approximately $499,000 to $700,000. The lowest priced home in Broken Top is listed at $394,900. This home is an 1800 sqft, 3 bedroom, 2 bath single level on 0.19 acres. The most luxurious home in Broken Top is a 4696 sqft home on half acre still under construction. This home has 3 bedrooms, 3.5 bathrooms and is listed for $1,999,500.

If you’re looking for a luxurious Home and a private Golf Community, Broken Top in NW Bend, Oregon is a great place to call home.

For more information on Homes for Sale in Broken Top or other neighborhoods in Bend, Oregon email me kadams@fredrealestate.com.

Bend Oregon Real Estate Market Statistics. What Sold in August 2009, in Bend, Oregon?

Bend Oregon Real Estate Market Statistics. What Sold in August 2009, in Bend, Oregon?

In August 2009 there were a total of 144 Single family homes sold in Bend, Oregon. Over half of which were bank owned homes and short sales.

The list price of the homes that sold ranged from $84,900 to $1,595,000 with an average list price of $306,260.

The actual price of homes sold in Bend, Oregon ranged from $80,000 to $1,400,000 with an average sales price of $290,169.

Land For Sale on the Oregon Coast - Only $425,000 for 6.43 acres of Ocean View & River View Property

Just listed: Lot-134 NE Peal St, Bend, OR 97701 for $59,000

Get your Tickets for the JELD-WEN Tradition at Crosswater Club at Sunriver Resort and Support Central Oregon Charities.

Get your tickets for the JELD-WEN Tradition at Crosswater Club at Sunriver Resort in Sunriver, Oregon and Support Central Oregon Charities.

If you need another reason besides great golf to attend the JELD-WEN Tradition at Crosswater Club at Sunriver Resort in Sunriver, Oregon, then purchase your day pass to support Central Oregon Charities. This year the JELD-WEN Tradition has invited all youth-oriented non-profit organizations to participate in ticket sales. Each participating non-profit organization will keep 100% of ticket sales generated in their favor!

Visit the JELD-WEN Tradition Ticket Page and click on the "CLICK & PRINT" Tickets button to order your tickets online and support our Central Oregon non-profit organizations.

*Admission gate sales are not part of the Charity Ticket Program. Kids 16 and under are free with a ticked adult.

The Central Oregon Charities supported by the JELD-WEN Tradition at Crosswater Club at Sunriver Resort in Sunriver, Oregon are:

• Alyce Hatch Center


• American Red Cross - Central Oregon Region


• Assistance League of Bend


• Bend Park & Recreation Foundation


• Big Brothers Big Sisters of Central Oregon


• Boys & Girls Clubs of Central Oregon


• Camp Fire USA - Central Oregon


• Central Oregon Junior Golf Association


• The Education Foundation for the Bend - La Pine Schools


• Girls on the Run of Deschutes County


• Grandma's House of Central Oregon


• Healthy Beginnings


• The Heart Institute of the Cascades


• Kids Intervention & Diagnostic Services (KIDS) Center


• MountainStar Family Relief Nursery


• Mt. Bachelor Sports Education Foundation


• Nativity Lutheran Church Youth Ministry


• NeighborImpact


• New Generations Early Childhood Development Center


• Redmond 2J Education Foundation


• Redmond Area Park and Recreation District


• Redmond Chamber of Commerce


• Redmond Kiwanis


• Saving Grace


• Sisters High School Women's Softball Team


• Summit High School Girls Basketball


• Tower Theatre Foundation


• United Way of Deschutes County


• Wonderland Express


• Working Wonders Children's Museum


• Youth Choir of Central Oregon

Family Friendly Dining with Adult Sophistication? Can it be True? Flatbread Community Oven in Bend, Oregon has it ALL.

Family Friendly Dining with Adult Sophistication? Can it be True? Flatbread Community Oven in Bend Oregon has it ALL.

Let’s face it, it’s not too often that you find a family friendly restaurant with adult sophistication. Flatbread Community Oven in Bend, Oregon’s Old Mill District is a refreshing update in family friendly dining. According to Lisa Lumsden, President and CFO, “The creation of FCO (Flatbread Community Oven) came from an understanding of the lack of an upscale yet very approachable, high quality, healthy and community focused pizzeria, where families, professionals, and friends could all gather and be comfortable.” I for one believe she accomplished just that.

One Personal and Surprising Experience in Bend Oregon Family Friendly Dining

A few weeks back, a friend and I took our kids out to bike the Old Mill Trail Loop. Once back at the Old Mill, against our better judgment, we decided to take 2 four year olds and two infants out to lunch. My friend suggested Flatbread Community Oven. I had never been there and was looking forward to trying something new. Upon entering the busy restaurant, I could feel my stress levels slightly rising as the atmosphere did anything but shout, “FAMILY FRIENDLY.” I began mentally preparing myself for a fight to the finish.

Man, was I surprised. The wait staff was friendly, quick and engaging with the kids. Best of all, the Make Your Own Pizzas! We ordered the kids each a Make Your Own Pepperoni Pizza. Shortly after, placed in front of both kids, is a plate with pizza dough, cups with sauce, pepperoni and cheese. After independently decorating their pizzas and a good portion of the table, the two boys went with the waiter up to the Pizza bar to watch their creation placed into the 900 degree wood fired-oven. This process took up most of the “is my food coming yet, how much loooonger,” portion of the meal. AND, they happily ate the pizza when it returned.

Now for the Adult Friendly Description

The atmosphere inside Flatbread Community Oven is trendy and sophisticated. The menu items are more reminiscent of upscale dining than family friendly pizza joint. The restaurant has an adult only Wine Bar where you can get wine by the glass bottle or flight. The patio seating overlooking the Deschutes River is a great place to unwind with a glass of wine and enjoy the fresh, flavorful creations Flatbread Community Oven has to offer. If you’re free on Wednesday nights you can enjoy live music. They sum it up well with their tag line “FUN WINE, FINE PIE.”

All in all we left Flatbread Community Oven fully relaxed, satisfied and full. If you’re moving to Bend, new to Bend or a long time resident and haven’t yet tried Flat Bread Community Oven in the Old Mill District hop on in for an Adults only meal or and enjoyable Family Friendly Dining Experience. Your kids may not remember the name but they will ask, “Can we go to that place where I make my own pizza again?”

Become a Fan and Search for Central Oregon Homes, View Featured Listings and Communicate with US

Become a fan of the Adams Team at Fred Real Estate Group on Facebook.

Check our our newly created Facebook Fan Page. All from one place you can begin your search for Central Oregon Homes, view featured listings, communicate directly with with us and keep up on blog posts. It's fun, it's easy and only one click away. See you there!

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Coming Soon in Bend, Oregon - Munch ‘n Movies in NorthWest Crossing's Compass Park. It's Time to Enjoy Fresh Air and Free Family Movies!

Coming Soon in a new venue - Munch ‘n Movies in NorthWest Crossing's Compass Park. It's Time to Enjoy Fresh Air and Free Family Movies!

You know summer in Bend, Oregon is drawing to a close when the movies go outdoors. There's not much better than enjoying an evening outdoors with family, friends and good food. If you're moving to bend or new to bend, Munch ‘n Movies is a family friendly movie event Walk-In style. It's like the drive-in without the drive.

Starting Friday, August, 21st for 4 weeks bring your lawn chairs or beach towels over to Compass Park in NorthWest Crossing for a family friendly movie night on the outdoor big screen. That's not all, be there early to enjoy tasty food from local vendors, and some live pre-movie music. The event officially begins at 5:30 pm with the movie starting at dusk.

Schedule for Munch ‘n Movies in NorthWest Crossing

August 21, 2009 Movie: Wall-E

August 28, 2009 Movie: Twilight

September 4, 2009 Movie: The Princess Bride

September 11,2009 Kung Fu Panda

NorthWest Crossing is located in NW Bend off of Mount Washington Drive. Click on the link for directions to Compass Park.

Click on the following links for more information on:

Munch n' Music

Bend, Oregon Family Friendly Activities

NorthWest Crossing Neighborhood

NorthWest Crossing Events

Spend your Days Golfing, Fishing, Hiking & Biking - All From Your Home at Awbrey Glen in Bend, OR

Spend your Days Golfing, Fishing, Hiking & Biking - All From Your Home at Awbrey Glen Golf Club in Bend, Oregon

Looking for a home at a private golf club with exceptional mountain views? A house on Awbrey Glen Golf Course would be a great place to call home. Homes in Awbrey Glen are located in NW Bend on Awbrey Butte off of Mount Washington Drive. This area of NW Bend is one of the most sought after locations. Homes in Awbrey Glen are centrally located in NW Bend close to NorthWest Crossing, Downtown Bend and Shevlin Park.

Awbrey Glen Golf Course is semi-private 18-hole Gene Bunny Mason designed course stretches over 7,000 yards. The golf course is surrounded by tall pines, lava outcroppings and exceptional Cascade views. Awbrey Glen is a membership owned club with various levels of membership to fit the needs of all members and home owners.

In addition to golf, home owners in Awbrey Glen Golf Club may take advantage of the Restaurant at Awbrey Glen, a fitness center complete with Personal Trainers and an indoor and outdoor swimming pool. For the avid fly fisher, you won't have to leave your Awbrey Glen home enjoy catch and release fly fishing on the fully stocked Bunny Lake. For the avid mountain biker, Awbery Glen is in close proximity to Shevlin Park and Phil's Trail.

As of today, July 30, 2009, there are 16 active listings for Homes for Sale in Awbrey Glen. These custom homes range in price from approximately $400,000 to over $1.1 million. The custom homes for sale in Awbrey Glen are located on spacious lots nestled between tall pines. The majority of the spacious custom homes for sale in Awbrey Glen are located on 0.25 to 0.75 acre lots nestled between the tall Oregon pines. For families with Children Awbrey Glen is with in the Bend / LaPine School District. Children are zoned to attend High Lakes Elementary, Cascade Middle School and Summit High School.

For more information on Homes for Sale in Awbrey Glen email kadams@fredrealestate.com.

Start your Awbery Glen Home search today

Homes in NorthWest Crossing Bend, Oregon are a Great Place to Live, Eat Work & Play!

Homes in NorthWest Crossing Bend, Oregon are a Great Place to Live, Eat, Work & Play!

One of Bend, Oregon’s newer neighborhoods, NorthWest Crossing is a great place to live, eat, work and play! The central entrance to the businesses and homes in NorthWest Crossing is located at the Mount Washington / NorthWest Crossing Drive roundabout. This mixed use community is filled with green built custom homes and businesses; large parks, tall pines and open spaces.

A mixed use community, NorthWest Crossing, has beautiful custom homes, live-up / work-down townhomes, restaurants, retail shops and service providers. A few of the businesses in NorthWest Crossing include: Alpine Acupuncture, Bend Furniture & Design, Cascade Mortgage Company, CC Evans Salon, Fred Real Estate Group, Healthy Paws, La Rosa Mexican Kitchen, Portello Winecafe, Riley’s Market, Sage Café, Umpqua Bank and many more.

Homes in Northwest Crossing are surrounded by Natural Areas

Not to go without mention are the 32+acres of scenic parks complete with picnic areas, children’s play equipment and natural areas. All of the parks and streets are lined with sidewalks making it an ideal community for walking and biking. If you’re a biker you’ll love the location, easily bike from your home to the Popular Phil’s Trail or Shevlin Park Trails in just minutes.

Homes in Northwest Crossing are Built Green

Homes in NorthWest Crossing are green when it comes to energy efficiency, recycling, building materials, landscaping, water and indoor air quality. In fact, all homes in NorthWest Crossing are required to be EarthAdvantage^TM Certified. A couple of homes in NorthWest Crossing have even earned honors for the high environmental standards including the 2007 National Association of Homebuilders Green Building Award. In addition, one home and two retail centers have earned LEED ratings from the United States Green Building Council.

Homes in NorhtWest Crossing are FUN!

If the green built homes, natural areas and margaritas at La Rosa’s aren’t enough to convince you that NorthWest Crossing is the place to be, check out the festivals. NorthWest Crossing hosts 3 annual festivals Spring Fling, HullaBaLoo and Harvest Fest. Fun filled events with delicious food, great music and fun children’s activities. Finally, one of my favorite NorthWest Crossing events is the Saturday Farmer’s Market full of local vendors and great bands. The planners of this community have truly thought of everything even the street names have meaning.

For more information on NorthWest Crossing Homes and other neighborhoods in Bend, Oregon, email us at kadams@fredrealestate.com.

Best Value in Golf Course Living - Bend, Oregon Homes for Sale in River's Edge Village

Best Value in Golf Course Living – Bend, Oregon Homes for Sale in River’s Edge Village. If you love golf, mountain views and Central Oregon living then River’s Edge Village is a great place to call home.

Location, Location, Location - River’s Edge Village is located on Awbrey Butte in NW Bend, Oregon, surrounding River’s Edge Golf Course, a Robert Muir Graves 18-hole championship golf course, and the Deschutes River. Homes in River’s Edge Village are only minutes from Downtown Bend, Trader Joes, Home Depot, Shopping, Dining and Hwy 97. The majority of the custom built homes and townhomes have expansive mountain views of Smith Rock, The Deschutes River, East Bend, and/or River’s Edge Golf Course and are located on spacious lots.

Homes for Sale in River’s Edge Village offer the true essence of Central Oregon living with easy access to recreation. Many of the homes are within walking distance to the Golf Course as well as hiking and biking trails along the Deschutes River. A golf membership is not included but can be obtained at the Proshop on Clubhouse Drive.

If you're living on a golf course, then you must play! A golf membership is not included in homeownership, however, for only a $59 initiation fee you can join the River’s Edge Club and enjoy challenging yet beautiful rounds of golf year round. I’ve seen truly dedicated members playing in the snow.

Currently, there are 11 Homes for Sale in River’s Edge Village in Bend, Oregon. They range in price from approximately $400,000 to $800,000. In addition, there are several lots for sale ready and waiting for you to build your dream home. The neighborhood has an HOA which takes care of yard and street maintenance and CC&R’s to govern and maintain architectural and landscaping guidelines. Children living in River’s Edge Village are zoned within the Bend/LaPine School District to attend High Lakes Elementary School, Cascade Middle School and Summit High School.

Start your search for Homes in River’s Edge Village Bend, Oregon

For more information on Homes for Sale in River’s Edge Village or other Bend, Oregon neighborhoods contact the Adams Realty Team kadams@fredrealestate.com.

Looking for a Quiet Neighborhood with Expansive Lots? Check out Homes for Sale in Tillicum Village in SE Bend.

Looking for a Quiet Neighborhood with Expansive Lots? Check out Homes for Sale in Tillicum Village in SE Bend.

The majority of the homes in Tillicum Village including the homes for sale are on lots that range from 0.25 to 0.50 acres. Tillicum Village is a great neighborhood for families or individuals looking for lush gardens and open spaces. The quaint single story homes are nestled between tall pines and expansive well maintained common areas. On any normal sunny Bend, Oregon, day you'll drive through the neighborhood and see kids on bikes and adults tending to gardens.

Living in the Tillicum Village neighborhood in SE Bend feels like you're out in the country when in actuality you are only minutes from Hwy 97, Fred Meyer and the Bend Outlet Mall. A place to get away from it all without actually getting away.

Currently there are only 7 homes for sale in Tillicum Village ranging in price from $170K to $270K. The active listings include one short sale and six traditional sales. The neighborhood does have an HOA with a small monthly fee. The HOA maintains the common areas year round. Children living in Tillicum Village are zoned to attend Jewell Elementary, High Desert Middle School and Bend High School within the Bend/Lapine School District.

Our featured property is on Mahsie Court, a 4 bedroom, 2 bath , 1848 on .26 acres. 20344 Mahsie Ct. is ready for Purchase, this home features New Siding, New laminate hardwood flooring and new carpet, surround sound system, upgraded lighting, a whole house Security System, Master Bedroom Separation, Dog Run, relaxing back deck looking out toward a beautiful well maintained common area, and plenty of parking for you and your guests. Commons landscape Contractor is available for monthly landscape maintenance.

Homes for Sale in Tillicum Village
$179,000 20482 Kalahani Dr. 3BR / 1.5 BA, 1972sqft, 0.29 acres
$185,000 20379 Illahee Dr. 3BR / 2BA, 1656 sqft, 0.29 acres
$199,000 20344 Mahsie Ct. 4BR / 2BA, 1848 sqft, 0.26 acres
$205,000 20544 Klahani Dr. 5BR / 4 BA, 2329 sqft, 0.59 acres
$209,000 20367 Klahani Dr. 3BR / 2.5 BA, 1678 sqft, 0.35 acres
$214,999 20425 Klahani Dr. 3BR / 1.5 BA, 1440 sqft, 0.42 acres
$275,000 20343 Klahani Dr. 3 BR / 2.5 BA, 2129 sqft, 0.35 acres

Featured properties may not be listed by the office/agent presenting this brochure. Information has not been verified, is not guaranteed and is subject to change.

To view any of these properties or for more information on Tillicum Village or other Bend neighborhoods contact me at kadams@fredrealestate.com.

Open House in SE Bend, Oregon Saturday, July 25

Don't miss an opportunity to see this beautiful SE Bend, Oregon, home. Saturday, July 24, 2009, 10:00 am - 1:00 pm.

20344 Mahsie Ct.
Bend, OREGON 97702

Price: $199,000

4 Bedrooms, 2 Bathrooms
1848 Square Ft.

Listing # 2809843

View Details View Map

Ready for Purchase, this home features New Siding, New laminate hardwood flooring and new carpet, surround sound system, upgraded lighting, a whole house Security System, Master Bedroom Separation, Dog Run, relaxing back deck looking out toward a beautiful well maintained common area, and plenty of parking for you and your guests. Please call to schedule your showing appointment today! Commons landscape Contractor is available for monthly landscape maintenance if necessary.

Check out our Featured Listings in Bend, Prineville and Powell Butte

Fred Real Estate Group
Featured Homes for Sale

For more information on these homes or any homes for sale in Central Oregon contact me via email for your personalized listing report kadams@fredrealestate.com

Children's Festival This Weekend in Bend, Oregon

If you’re out and about in Bend, Oregon this weekend stop by and visit me at the Children’s Festival.

Saturday, July 19th from 10am to 4pm is the Saving Grace Cascade Children’s Festival at Drake Park. What a fun event to support a great cause. Enjoy great activities, food, music, dancing and so much more for the children and only $0.50 per activity. I can’t think of a better way to spend a Saturday with the family. Not to mention all the proceeds benefit Saving Grace.

I’ll be at the Mom’s Club of Bend Booth – another great organization in Bend. Stop by and find out more about the support network the club offers both working and stay at home moms. Not to mention the playgroups, family outings and Mom’s Night Out. Bring the kids too; we’ve got a fun art project for them.

For more information about Saving Grace visit www.saving-grace.org
For more information about Mom’s Club visit www.momsclubofbendor.org

Bend, Oregon First Time Home Buyers Tax Credit Time Line

Bend, Oregon First time Home Buyers Tax Credit Time Line

I don’t know about you but the last thing I’m thinking about on this beautiful 90^o day in Bend, Oregon is my taxes. However, if you are planning on buying your first home and taking advantage of the $8,000 tax credit it’s not only time to start thinking – it’s time to start planning – it’s time to start looking for your new home. The deadline for closing your new home is quickly approaching.

Working Backwards, here’s a plan to get you started:

Deadline: December 1^st = Loan Closed on Your First Home

Most banks can typically close a loan in 30 days, however, we expect there to be an influx of loan applications as we near our deadline. Also, let’s not forget what occurs the week before December 1^st, a national Holiday….Thanksgiving, of course. Purchasing a house is stressful, the holiday season is stressful not to mention a popular vacation time. In the allotted 30+ days you loan will be processed, underwritten, sent to escrow and approved. Appraisals and Inspections will be ordered, written and delivered. Finally, your loan will be recorded and the keys will be yours…….a lot to be done in 30 days.

Deadline: October 16^th = Signed Sales Agreement in Lenders Hand

So, let us add two weeks to the 30 days - one for the holiday and one as a buffer to reduce the stress of calling your loan officer November 29^th wondering if you’ll squeak by in time. Take it from us second time home buyers you don’t want to miss out on an $8,000 tax credit. Looking at a calendar we are approximately at October 16^th = 30days to close + 7 days holiday buffer + 7 days stress buffer.

Deadline: October 1^st = Make an Offer on a Bank Owned or Traditional Sale

Yes it’s possible to make an offer get an acceptance and move on in a matter of days. For this timeline, we are budgeting 2 weeks. Let’s be practical, buyers are making low offers and sellers have hopes of high dollars. Most offers are being negotiated with counteroffers back and forth before a final sales price is settled on. On occasion, the buyer and seller cannot come to agreement and you’re back to square one….looking for a house. And, when a really great deal comes along, you may not be the only making on offer on the house and may stand the chance of not having your offer accepted. Yes, this still happens, it happened to me on 3 offers this year!

Deadline: September 1^st = Make an offer on an Oregon Short Sale

In addition to the negotiating mentioned above, a short sale must be accepted by both the owners and their lender. This is a tough one to estimate; I’ve seen short sales close as fast as traditional sales and those that take months. While looking at homes for a client this morning, I saw a new listing stating there will be a 30-90 day wait period before the bank to responds to an offer. That means up to 3 months to receive an acceptance or a counter offer or a rejection. Ninety days is already Dec 1^st. So if you plan to put in an offer on a short sale, make it happen before September 1^st.

Deadline: August 1^st = Start looking at Houses to Buy in Oregon

If you believe in love at first sight you’ll be in your new home in no time. If you want to weigh all your options, check and double check that you’re making the right decision before putting in your offer you have one month to do so. Remember time flies. In the beginning of this month you will also, want to choose a realtor, choose a lender and get prequalified.

Deadline: July 16 – Today – Finish Reading this Post and Email your Realtor

If you are reading this then you must be thinking about buying a home. Buying your first home should be a fun and memorable experience not a rush to meet deadlines. Send me an email kadams@fredrealestate.com with your dream home requirements and you’ll immediately have a customized report emailed directly to you.