24 HOUR RECORDED INFORMATION CALL 1-800-278-1911 ENTER CODE 4104

This Property is a Short Sale. One loan only.

The setting is awesome! Backs to Conservation Area w/ creek & waterfall which you can see most of the year! Home is beautiful with large rooms and high ceilings! Greatroom style with lots of big windows!Den/Dining Room in Front. Partial view of Mt Hood! $12,000 glass super high greenhouse roof covers patio for year round use! Cherry Kitchen w/Stainless and Gas! Great House!

24 HOUR RECORDED INFORMATION CALL 1-800-278-1911 ENTER CODE 3604

WELL MAINTAINED, SINGLE LEVEL ON LARGE IN POPULAR HILLSBORO NEIGHBORHOOD! ALMOST 1600 SF W/ LARGE ROOMS! TILE COUNTERS IN KITCHEN! HUGE DINNING ROOM! COZY GAS FIREPLACE! EASY WALK TO GRADE SCHOOL! WONDERFUL EXPANSIVE COVERED DECK TO BE ENJOYED IN ALL SEASONS! STORAGE SHED W/ POWER! SECURE RV-PARKING! OVERSIZE GARAGE W/ LOTS OF STORAGE! WELL FOR IRRIGATION!

SHORT SALE***CASH ONLY***...Gated Community very close to Shopping, Dining, Starbucks and Entertainment! Clean Townhome with gas fireplace, formal Dining Room area and spacious Kitchen! Hardwoods! Peaceful deck! Large Bedrooms! 2-Car Garage and LOTS of Storage! Amazing VALUE!

WELL MAINTAINED TOWNHOME IN POPULAR TIGARD COMMUNITY! 2 SPACIOUS BEDROOMS AND 2.5 BATHS! WARM COLORS! LARGE KITCHEN WITH GAS COOKING! STAINLESS APPLIANCES! HARDWOOD FLOORS! MAPLE CABINETS! TILE COUNTERS! POWDER ROOM W/PEDISTAL SINK! TALL COUNTERS IN BATHS! STORAGE! QUIET BACKYARD! AFFORDABLE! PAYMENTS COULD BE CHEAPER THAN RENT!!

FREE 24-HR RECORDED INFORMATION CALL: 1-800-278-1911 ENTER CODE 3804

Custom built home in Lake Oswego’s popular Village on the Lake!Perfect for entertaining! Large rooms w/high ceilings & crown molding. Granite Kitchen w/abundant cabinet space! Hardwood flrs, JELD-WEN wood windows, newer tankless hot water! Huge dual shower head room in spacious Master Suite! Indoor SPA Room w/fireplace! Expansive decks drink in Mt. Hood & Lake view! RV-Parking. This is an absolute AMAZING price for a property of this caliber!

While it can be argued that many events lead us into this economic downturn, many Economists will tell you the main catalyst of getting us here was the housing bubble. These same Economists will also tell you that while it was housing that led us here, it will be housing that will lead us out.

When a home sells many economic benefits occur. After the home purchase is completed, numerous events begin to take place: Furniture may get purchased, materials are bought for remodels and people may be hired to maintain the home. In fact, the National Association of Realtors estimates that the economic impact with each home purchase is around $63,000! That being the case, it’s easy to see how housing can end up being the catalyst that leads us back to prosperity.

Throughout 2009 we had a First Time Home Buyer Tax Credit that was the primary fuel for the real estate market. Realizing the importance of a healthy real estate market, Congress opened the doors to existing home-owners and now we simply have a Home-Buyer Tax Credit Program. The First Time Buyer continues to enjoy an $8,000 credit and the existing home-owner will now receive $6,500!

To qualify for a tax credit, the eligible home buyer has until April 30^th, 2010 to sign a  binding contract for a transaction that must close before July 1^st, 2010. By definition, a first time buyer is someone who has not owned a home in the proceeding 3 years. Those non-first time buyers must have owned  a house for at least 5 consecutive years out of the past 8.

Further enhancements come by way of increased income eligibility limits for both credits. For single tax payers and heads of household, the credit begins to phase out at $125,000 of income and disappears at $145,000. For married couples, the credit starts to phase out at $225,000 and disappears at $245,000. The purchase must be for a primary residence and cannot be used for investment properties. Also, the property value cannot exceed $800,000. Finally, the credit is available through June 30^th, 2011 to those serving in the military who are outside of the U.S. for at least 90 days!

For more information on the program or to answer specific questions, contact a knowledgeable Realtor.

Designed and provided by Real Pro Systems, a Eugene Oregon company, my new website will provide a number of benefits to both business growth and value to my clients.

For my seller clients, they can feel confident their home is constructively being marketed to the vast number of buyers searching for their next home on the internet. Many websites are built using older technology which automatically generates HTML that is difficult for search engines to navigate. Consequently, these sites are overlooked in search engine results. All new architecture that supports Web 2.0 standards results in one of the most search engine friendly real estate websites on the market today and is the architecture the new site is based on. After all, one of the key factors in a successful sale is in fact solid marketing exposure.

For the buyer looking for their future home there will be easy access to real time information pulled directly from the live RMLS database. Combined with another tool I use from HomeQuest, a buyer will find their search to be easy, effective and educational.

Additional benefits are a monthly Podcast, a Blog and an online showing feedback system that a seller will automatically receive when their home shows. My Podcast will be produced once a month and will feature myself and Terri Murphy, a nationally-known real estate and lending expert. You can check out Decembers Podcast right now by going to www.SteveSchwabTeam.com.

The future of real estate is bright! Economic hard times are cyclical events and soon this one will be behind us as well. Owning real estate is both a dream as well as a priority to most people and as a result, I plan to be involved here for many years to come.

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.