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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a Corvallis, Philomath and Albany real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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School Reports in Corvallis, Philomath and Albany, Oregon

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Oregon Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Corvallis, Philomath and Albany

Home Inspections >Inspection Repairs

When you sell a house, the buyers will probably have a home inspection before they sign a contract to purchase the home. The inspector may turn up something that needs attention or repair, and after the inspection, the buyers may produce a list of items they want repaired as a condition for moving forward on the sale.

When you get the buyers' list, remember that some of the items may be negotiable. Sales contracts usually require that all the systems be in working condition. Some buyers may make requests that go beyond the normal obligations of the seller. They may ask for a new roof or certain structural repairs that you may not want to make. Your agent can help you to assess the risks of just saying "no" to buyers who are making demands you consider to be unreasonable. You may decide to decline the requests, but the buyers may also decide to back out of the deal as a result.

When you agree to make repairs, hire licensed professionals who will guarantee their work, and give copies of the reports to the buyers. Arrange to have the repairs made as far ahead of time to avoid last-minute complications which could compromise the transaction.

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Q	What does the term ARM stand for?
A	An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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Gary Irwin, REALTOR®, real estate agent and broker for Corvallis, Philomath and Albany, Oregon home listings, property and land for sale - NUMBER1EXPERT

Gary Irwin
Investment Realty
504 NW 3rd St
Corvallis, OR 97330
541-231-9616
Fax: 541-752-8330
garyirwin@NUMBER1EXPERT.com

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