Ted Harris · Portland Real Estate

For anyone buying their first home, the first steps are establishing steady employment that will cover a monthly house payment, and cleaning up any credit problems. The goal is to achieve a high enough credit score to qualify for a mortgage loan. The higher the credit score, the lower the interest rate you will pay and the more house you can buy. Pay off debts and contact creditors. Save, Save, Save. Running up debt or borrowing money can lower your chances of getting the loan you want! For information on credit scores and qualifying for a mortgage loan, CLICK HERE!

For buyers whose income level is below the median, low-interest loans are available through:
The Oregon Housing and Community Development Service.

The Portland Housing Center offers information on the Oregon Bond Program (Residential Loan Program) which offers low interest rates.

Realtors Do Not
Charge a Fee to Buyers.

I earn a percentage of the home's selling price that is paid from the seller's proceeds of the sale.

After determining the amount you have to spend on a home, I will help you search and tour any homes of interest. My goal is to find the right home and community to meet your needs. When you wish to make an offer, I will write the offer and present it to the seller. I negotiate in your best interest - on your terms. Do not leave one of life's most financially significant events to chance. My commitment to you goes far beyond the sale closing. I continue to be there for you to offer advice or answer any real estate questions.

• Should you Rent or Buy?
  

• What House Payment Amount is Affordable for You Now?

• Will You Qualify for a Desirable Loan?