Monday, September 22, 2014

Build Your Dream at Apple Tree Lane in Onalaska, WA

Build Your Dream at Apple Tree Lane in Onalaska, WA



Why pay for a small lot when you can get 5 acres at the same price? Phone, power, and paved road already in so you can build your dream at Apple Tree Lane in Onalaska, WA. Or, choose one of our land/home packages starting in the low 180′s! 5 minute walk to school and only 10 minutes to the freeway for commuting! Motivated seller and owner financing available! YOU WON’T FIND A BETTER DEAL ANYWHERE ELSE! Call today for before your desired lot goes to someone else!


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Eren Millam
Realty World Cosser & Associates
360-219-3616
emillam@rwcosser.com

Tuesday, September 2, 2014

This will take your breath away! 196 Brown Rd E, Chehalis, WA

 
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Eren Millam
Realty World Cosser & Associates
360-219-3616
Questions?
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MLS#: 690266
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Licensed In:
Washington
License #:
113974
Information valid for the date of this posting only. Please contact us for the most current information and status of this property.
196 Brown Rd E
Chehalis, WA
Just Listed
 
 Description Photos Maps & Local Schools
 
 
 
 
 
View the Property Details, More Photos, Map & School
information here at the updated Virtual Tour!
 
This beauty will take your breath away! 1+ acre fenced 5 minutes from town! 2 complete/separate levels! Lower level is 1 Bd/1 Ba, 1800 SQ FT w/ huge living room/kitchen/master! Main level boasts 3 Bd/1.75 Ba w/ marble entry, bamboo/tile flooring, granite counter tops/window sills, custom oak cabinets, update fixtures and near floor to ceiling vinyl windows for a spectacular tree-top view! Orchard, garden space, and large yard visited by wildlife daily and bordering 100s of acres of timberland!
L2L

Monday, September 1, 2014

Buy a house with no money down using the USDA program

Are you thinking about buying your next home, but don't have any money down?

Did you know that you can buy a house with no money down using the USDA program? It's true! Keep reading below for more details!


ELIGIBILITY
Before going any further, lets discuss a little bit about who qualifies.
·         Income limit of $74,900 for a family of 4 or less
·         Must be able to afford mortgage payments including taxes and insurance
·         Reasonable Credit Histories (usually 620 or higher)

     Not eligible for USDA program? You can still buy a house with as little as 3% down. Talk to your lender or call me for more details!

QUALIFY
Now that you're eligible for a USDA Loan, you'll need to know how to qualify.
You must be in an eligible area. 

Fortunately, the entirety of Lewis County is eligible, so that is not difficult to figure out by your address! However, if you live outside Lewis County, you can check your area's eligibility here:


APPROVAL
You're eligible and qualified, now you must get approved! As discussed before, you must have at least a 620 credit score.
Not sure what your credit score is? I use a FREE site called CreditKarma.com

You will need the following:

  • ·         Loan Application
  • ·         Pay Stubs last two months
  • ·         W-2s for last two years
  • ·         Bank statement for last two months
  • ·         Other items required by lender


Make copies of everything! Make sure to ask your lender before the meeting what paperwork they will need so you won't have to make multiple trips!

AVAILABLE HOMES
A USDA home must be "Safe, Sound, and Sanitary". Here are the qualities in a home to look for:
  • ·         Cannot be sub-dividable
  • ·         Cannot have "farm buildings" or any other buildings that could be used to generate income
  • ·         Must have adequate water and wastewater systems
  • ·         Cannot have any pools
  • ·         Must be functionally adequate
  • ·         Must be in good repair
  • ·         Cannot be in flood plain (not 100% accurate, but a good rule of thumb since very few properties would qualify all the stipulations of a property in the flood plain)
  • ·         Cannot be manufactured (again, not 100% accurate but very few exceptions qualify)
  • ·         Must be owner-occupied


These are the basics you will need to know when thinking about buying a home or property. 

You CAN buy a house with no money down using the USDA program!

Still not sure where to start?
Contact me today and I'll put you in touch with a USDA Specialist in your area!
Search All Homes For Sale
Homes Close to Where You Work
What is Your Home Worth?
Mortgage & Refinance
Free List of Foreclosed Homes For Sale
Eren Millam
Realty World Cosser & Associates
360-219-3616
emillam@rwcosser.com