About Us
Tony and Libby Kelly, MBA, M.Ed. are ranked in the top 1% of REALTORS in Portland Metro. They have been featured on HGTV's "House Hunters" 3 Episodes & "My House is Worth What?" 4 Episodes.
6327 SE 142nd Ave, Portland OR 97236
NEW flat screen TV, Washer, Dryer Stove/Oven & Fridge to be included. SELLER SAYS BRING ALL OFFERS! Looking for a great value or first home in Portland . . . this is it. This charming home features a huge master suite w/sitting area, modern interior colors, spacious open floorplan, pergo flooring,
Stats From A Friend At Umpqua Bank
House Still Buyable
The economic climate has been a bit stormy lately, but that doesn’t mean your dream of buying a cozy cottage by the seaside has to go by the wayside. Learn more about what’s still possible when it comes to home buying.
PERCEPTION REALITY
Banks Have no money for mortgage Loans Umpqua Bank has plenty of money to lend, and we’re ready to use it to help you get settled into your new home
No one can get a home loan right now We’re closing nearly $60 million in new mortgage loans every month; our customer are building, buying and financing their homes.
You must have 20% into the deal not Government – sponsored loan programs can require as little as 3.5% down, and loans with a 95% loan-to-value with out on finance are still available. We’ll help you evaluate what you can borrow and connect you to the program that makes sense for your specific situation.
Down payment assistance programs have disappeared Some down payment assistance programs have disappeared, but many are still available through city, state and local community development organizations
You must have stellar credit to get a mortgage loan Though the industry overall has seen a tightening of credit criteria, our lending practices have not dramatically changed. Talk to us to see where you stand.
THERE ARE NUMEROUS LOAN PRODUCTS AVAILABLE:
- Conventional – fixed and arm products with a loan amount less than $417,000.
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Non-Conforming – fixed and arm products with a loan amount greater than $417,000.
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FHA – 3.5% down payment (can be gifted by acceptable source). Flexible downpayment sources.
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Oregon Bond – Loan must be conventional, FHA or Rural Housing. Income restrictions and designed for first time homebuyers
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Rural Housing – Must be in rural housing area. 100% financing based on appraised value. Adjusted household income can not exceed the maximum allowable income
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VA – Guaranteed by federal government based on the amount of entitlement to the veteran in the conjunction with loan amount.
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ODVA – loans are conventional fixed rate designed for veterans.
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All-in-One Construction – Must be for primary or second home
PLEASE CHECK OUT OUR NEW PODCAST ON THE HOMEPAGE OF OUR WEBSITE http//:www.TonyandLibby.com
Real Time Portland Metro Real Estate News
The PORTLAND market is currently quite strongly in the Buyer’s Market zone (below 30). The 90-day Market Action Index stands at 16. With several months of inventory available at the current sales rate, buyers should find ample choice. The Market Action Index has been trending lower for several weeks while prices have remained relatively stable. If inventory continues to grow relative to demand however, it is likely that we will see downward pressure on pricing.
Recent Blog Posts
May is National Moving Month
Friday, May 4th, 2012
May marks the official beginning of the moving season, and is known as "National Moving Month". 10 Tips To Prepare Your Home to List
Tuesday, April 17th, 2012
Ten tips to prepare your home to list. Agency Info
Keller Williams Realty Portland Premiere
17700 SW Upper Boones Ferry Rd
Portland, OR 97224