How To Buy A Home With Little Or No Money Down

There are still home ownership programs that allow qualified buyers to buy a home with a very low down payment (in some cases as low as zero).

You may have owned a home before and are presently renting, or maybe you are a first time homebuyer and need a way to break into the housing market, but held back because you thought you required $10,000, $20,000 or even more for a down payment. Well, regardless of your present situation, if you want to get into or re-enter the housing market with a lower amount, or even without a cash down payment at all, then this new program may be just what you're looking for.

Why pay your landlord's mortgage when you can be building your own equity?

Industry insiders have prepared a new special report entitled "How to Buy a Home With Little Or No Money Down" which reveals how this new and innovative program can get you into the housing market immediately. End the waiting - order this report NOW.

For your FREE report click here 

Willamette Valley well owners are invited to several free nitrate screening clinics to be held this spring. Screening will be available on May 14th at the Corvallis Saturday Market, Downtown Corvallis from 9:00am to 1:00pm and May 28th at the Albany Farmers Market, Downtown Albany from 9:00am to 1:00pm.
A portion of the Southern Willamette Valley has been designated as a Groundwater Management Area by the Department of Environmental Quality due to elevated nitrate levels in well water. While it is especially important for households with pregnant women or newborns to test for nitrate because of a rare type of blue-baby syndrome, all homes with private wells should be aware of their nitrate level. 

For a free nitrate screening, bring ½ cup of untreated well water in a clean, water-tight container. You may either wait for your results (the test takes 5 to 10 minutes if the well water clinic is not busy), or leave your contact information for the results to be delivered after the clinic date.

A water quality educator will be available during clinic times to answer questions about well water and septic tank issues.

For additional information on well water and septic systems, free Rural Living Basics classes other nitrate screening events, visit the OSU Extension Service website http://extension.oregonstate.edu/benton  For more information call Chrissy Lucas at 541-766-3556.

We receieved a phone call this morning from someone wanting to donate pet food to SafeHaven. Broker Duo has a huge spot in their heart for our local non-profit, privately funded, limited admission shelter, that does not use euthanasia for population control - we have partnered with them as far as fund and food raising for animals in need. 

HOWEVER, we want to let everyone know SafeHaven is a non-profit, privately funded, limited admission shelter, that does not use euthanasia for population control and they need items of all types. Most often overlooked products such as: Bleach, Spray Bottles, Sandwich Bags, Scouring Pads, Grooming Clippers and things of that nature. If you have any of these misc. items laying around without purpose please feel free to stop by our office and leave your donations in the huge donation bin we have placed by our reception desk. 

Thank you for your time and consideration. 

If you're looking to add another member to your family SafeHaven, they have a wonderful selection of animals. 

By the way, their recent 3rd annual Spay-Ghetti dinner was a huge success! Thanks to everyone who attended and made this a wonderful event. Over $20,000 was raised for the Cats Count program!

Broker Duo is proud to announce their partnership with Brendon Staab Landscape Maintenance. 

 FOR YOU

By mentioning Christine Kites' name YOU will receive 15% off of your monthly package of choice.

6133 SW Country Club Drive

Corvallis OR 97333

541-619-0981

BUSINESS OWNERS

If you have a product or service that you would like us to feature on our website please let us know. Our website gets approximately 4,000 views every month. 

Contact us at marketing@brokerduo.com and let us know about your recent specials. Feel free to send in biographies about yourself, your staff, your services or your business. We also will feature from time to time upcoming events. 

This is excellent FREE exposure for you and a win win for us. We want to and can send you referrals, all we need is your information.

McLean, VA – Freddie Mac (OTC: FMCC) today released the results of its Primary Mortgage Market Survey (PMMS), which shows the 30-year fixed-rate dropping to 4.76 percent while the 15-year fixed-rate hit its lowest rate at 3.97 percent since December 2010.

30-year fixed-rate mortgage (FRM) averaged 4.76 percent with an average 0.7 point for the week ending March 17, 2011, down from last week when it averaged 4.88 percent. Last year at this time, the 30-year FRM averaged 4.96 percent.

15-year FRM this week averaged 3.97 percent with an average 0.7 point, down from last week when it averaged 4.15 percent. A year ago at this time, the 15-year FRM averaged 4.33 percent.

5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.57 percent this week, with an average 0.6 point, down from last week when it averaged 3.73 percent. A year ago, the 5-year ARM averaged 4.09 percent.

1-year Treasury-indexed ARM averaged 3.17 percent this week with an average 0.6 point, down from last week when it averaged 3.21 percent. At this time last year, the 1-year ARM averaged 4.12 percent.

Frank Nothaft, vice president and chief economist of Freddie Mac, reports, "With the crisis in Japan, investors rushed to buy the security of U.S. Treasury bonds , which lowered its yields and other interest rates as well. This allowed fixed mortgage rates to drift lower this week."

"In aggregate, families have been strengthening their balance sheets. In the fourth quarter of 2010, household net worth rose by $2.1 trillion, boosted by gains in the stock market. This helped lower their financial obligation ratio (debt payments relative to disposable income) to the lowest level since the first quarter of 1995."

Published: March 18, 2011 http://realtytimes.com/rtpages/20110318_rates.htm

Refis of Fannie, Freddie loans don't require additional PMI

by Inman News, Monday March 14, 2011

Fannie Mae and Freddie Mac will continue to refinance qualifying borrowers who have lost equity in their home without requiring additional mortgage insurance for another year under the Home Affordable Refinance Program, or HARP.

HARP, which was scheduled to expire June 30, will stay open for business for another year, and Freddie Mac will exempt the refinancings from recently announced price increases, the Federal Housing Finance Agency said in announcing the one-year extension

March: Install a Laminate Floor

Tired of looking at a scuffed-up floor? Cover that dull vinyl surface with glueless laminate planks. They're durable, budget-friendly, and easy to install by clicking them together. Plus, a new floor can be walked on the same day it's installed. Things to think about:

• Laminate planks look like hardwood but are actually medium-density fiberboard (MDF) sandwiched between plastic laminate.
• Glueless laminate planks are held together by tongue-and-groove construction. It's so easy to install that you and a helper can do a whole room in less than a day.
• The assembled floor is glued together at the edges and floats on a thin foam pad—on top of the original floor.
• Laminate is scratch- and stain-resistant but could be damaged if water seeps below the surface. You should check specific product information before choosing laminate for a bath.

Learn how to install laminate flooring.

http://www.bhg.com/home-improvement/month-by-month-home-improvement-plan/?page=4