Ever wonder how much home you can afford? Before you start searching home listings, give us a call at 541-683-3300. We can run the numbers and help you identify a budget you can live with!
Stepping Stone Mortgage, Inc. is a qualified mortgage lender with all loan officers and processing staff trained to handle your questions. Our dedicated staff will help you through the loan process in a very efficient manner for you to purchase or refinance your home.
Whether you are refinancing, buying or selling, you will want to make you home picture perfect for the appraiser and Lender. The house is clean and bright without clutter throughout and outside looks parklike. Picture perfect! The appraiser is taking pictures to show the lender what your house is about. You want to make sure your amenities look its best!
Make sure that you give yourself enough time to get your items fixed on your to do list.
The appraiser will look at Improvements to kitchens and baths, windows, the roof and the home’s systems (heating, electrical and plumbing) over the previous 15 years that make the home more up-to-date, functional and livable by today’s standards. Exterior amenities such as patios, RV parking, garden area.
Repair what you can. Broken windows, holes in walls, open electrical wires, all have to be fixed. Make sure that your water heater is strapped and that you have smoke and carbon monoxide detectors throughout.
Freshen up Paint that might be peeling or faded.
Any pets should be contained and smells masked. You don't want the appraiser to be rushed to get out.
Get your home ready for the Appraiser!
The home is clean throughout and the lights are on for it to be nice and bright.
The lawn is mowed and yard is clean of clutter.
Coming up with value. The appraiser will look at similar comparables that have sold within the last 6 months within a ¼ of mile from your home.