Rogue River Real Estate

08/01/2026

Come and take a look! Just a hop, skip and a jump from Jacksonville - the cutest historic city in Southern Oregon! Check it out on my website: https://rogueriverrealestate.com/loghome/

01/29/2026

Real estate investing can be one of the most powerful ways to build long-term wealth. Done well, it creates opportunity, stability, and financial freedom. Done poorly, it can be costly, stressful, and unforgiving. The difference is not luck — it’s knowledge, strategy, and having the right people on your team.
This book was written to be a practical, no-nonsense guide to real estate investing. Whether you are considering your first investment or looking to sharpen your approach, the goal is the same: to help you make informed decisions, protect your capital, and maximize the return on your real estate investments.
https://rogueriverrealestate.com/books.htm

01/31/2025

AARP has an array of mortgage calculators that also might be helpful: AARP calculators.
https://www.aarp.org/tools/money.html

Send a message to learn more

01/29/2025

Rogue River Real Estate Reverse Mortgage:: If you know somebody who is 62 or older, banks will do a reverse mortgage on their home, pay off all their bills and don't have any payments. There are many elderly folks out there who have fallen prey to loan sharks because of medical bills. They can pay all of that off and might have some money left over! So keep your eyes open and tell your parents so they can tell their friends. To get such a loan, they need to use a specialty lender, such as "American Senior" (located here in Medford) or a bank such as Wells Fargo, First Interstate Bank and many others which might have a bank officer who specializes in these kinds of loans. The elderly folks do NOT have to qualify for a loan; they get the money regardless of income, debt, credit score, etc. If you know an elderly person who is not in financial trouble, tell them anyway, they might want to make a trip to Europe, buy an airplane or buy your kids a college education! :-) A Reverse Mortgage can also be used to buy a different home in case your elderly friend wants to relocate or downsize!

01/29/2025

About Financing a Home…
Most Americans are 90 days away from bankruptcy. Bankruptcy is at an all-time high because people lose their jobs, can't make payments on their home, the bank forecloses after 90 days and bingo! I called my local bank and asked if someone is out of a job, but have a lot of equity in their home; can they take a loan to make the house payments? They laughed me out the door! So if you owe any money on your home at all, it would be wise to take the largest loan possible while you still have a job, put it into a savings account that brings interest to offset the loan cost or better, and then if you have a kid that goes to college, major medical expenses or heavens forbid lose your job, you can still make the payments and don't go belly up. Not only that, the interest on your home loan is tax deductible, while any principal paid on your home is not. It is like putting money under your mattress, but this money you can't get back out when you really need it, except when you are a senior citizen and can make use of a reverse mortgage.

Talking about equity - if you have a lot of equity in your home and you want to re-locate, but need more time to look around than the customary 45 days it takes to close on your home... there is a program called:

Contact me for a link to a company that will give you a bridge loan for about 120 days to make an offer on a new home.

01/24/2025

All real estate "agents" are not the same!!

The truth is, real estate licensees have vastly different levels of knowledge, skill, experience, expertise and motivation. A buyer risks getting less than the best if the call goes to the listing agent. See Buyer - Be Aware

Rogue River Real Estate "Listing agents" in Oregon are agents of the seller. Their legal and ethical duty is to get the highest possible price and best possible terms for the seller. Are you likely to find a listing agent who can be completely loyal and faithful to a buyer?

Rogue River Real Estate In Oregon, the only agent (or licensee) who can and must be completely loyal and faithful to a home/ranch buyer is a buyer's agent who has signed an agreement to represent the buyer's interest above all others on every home shown. If you do this first, then your buyer's agent can provide the information on available properties...and look after your interests.

Rogue River Real Estate How does a buyer's agent get paid? The agent only is paid if he or she writes a contract and escrow closes, then the buyer's agent gets part of the commission, which varies with each property. The buyer has to sign a buyer broker agreement before the agent is even allowed to set foot into any property with a client.

Rogue River Real Estate And just what does a buyer's agent do besides helping you to find the property that is right for you? My clients really aren't looking to me for help in searching for a house - they can do that themselves. What they're looking for is knowledge:
Is this a good investment for me?
What am I not seeing here?
Help me to negotiate the price, and set me up with a good lender.
What is happening in this neighborhood?

Rogue River Real Estate After the contract has been negotiated and an escrow account has been opened, the agent has to make sure all the deadlines regarding home inspections and tests of various kinds are being completed. She needs to make sure your lender gives the timely information to the seller. She deals with the escrow agents, making sure all the required papers are prepared and in order. Often little problems crop up, maybe the seller is not a citizen, in which case the buyer would be liable for taxes the seller owes, unless the correct papers are filed. Maybe there is an encroachment and the agent will help to negotiate the problems. Sometimes a percolation test needs to be made, and the agent will see that the engineer and the county get their work done in a timely manner. The agent often acts as an investigator regarding the property, and deals with the utility companies, the neighbors, city or county officials, the title company and many others. If the property is a ranch, things will even get more involved regarding water rights, mineral rights, surveys, easements, use restrictions, condition of soil, involved wetlands, leases, government programs in which the ranch might be enrolled, presence of wild life, crops which will or will not convey, weeds and more!

Rogue River Real Estate If I am your buyer's agent, I will not accept any bonus offered to the selling agent, but it will be credited to you as the buyer, against the purchase price.

Rogue River Real Estate So, who are you going to call? An agent you feel you can trust, who has special training, market knowledge & information, experience, up to date ways to research the market and motivation to help the home/ranch buyer find the best property at the best price. Contact me now,- by text 541-965-9601 - or email let your home search start here!

01/23/2025

Buyer Beware
Know the Law! Oregon is not Buyer Friendly. The principles of CAVEAT EMPTOR (buyer beware) still apply in Oregon when the purchase of a pre-owned residence is involved.

When a buyer who finds after a sale that the home he purchased has a material defect, neither the seller nor seller's agents will be responsible unless the buyer can prove all the following:

- There was a material defect which adversely affects health or safety;
- The seller or the seller's agent knew of the defect before the sale;
- The defect was such that it could not be discovered by due diligence; and
- The house was not bought "as is."

A buyer's agent who knows of material defects is in a very different position. Agents of the buyer have a responsibility under the law of agency to tell the buyer everything known about a transaction. Caveat emptor does not apply, and offers no protection to agents of the buyer. If you have a written buyer's agent agreement with a licensee, your agent is obligated to check all statements made by the seller and seller's agent.

Caveat Emptor is one very good reason to employ a buyer's agent who is 100% on your side 100% of the time.

The principles of caveat emptor do not allow a seller or the seller's agents to engage in fraud, or deceit, or to make misrepresentations about the condition of property. The law is clear that when a buyer asks a question about a specific property condition, the answers must be truthful and complete. Likewise, a seller or seller's agents can be liable for fraud if they knowingly take action to conceal a material fact with intent to deceive or mislead the buyer. Misrepresentations and fraudulent action are very different from simply remaining silent about matters, has no duty to disclose.

Ask for a completed Property Condition Disclosure statement where the seller discloses the known condition of the property by answering specific questions about the property and keep your eyes open! A proper home inspection is valuable. GET ONE!! If you follow my link on the left "Home Inspections" it will bring you to a detailed site on home problems and home inspections.

01/22/2025

I now have a WhatsApp button on this page, so it will be easier for you to reach me!