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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Ashland, Medford and Rogue Valley real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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School Reports in Ashland, Medford and Rogue Valley, Oregon

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Oregon Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Ashland, Medford and Rogue Valley

Tax Considerations >Capital Gains Exemptions

Home sellers are always interested in their tax deduction options. If you recently sold a home without meeting the basic ownership and use criteria for waiving capital gains tax, you might still be able to claim reduced exemptions if you meet certain other criteria.

Homeowners who had to sell because of a change in place of employment can qualify for reduced tax. You must prove that the job change occurred while you owned and used the home as your primary residence, and that your new job is located at least 50 miles farther from your residence than your previous place of employment.

A reduced exclusion from capital gains tax may also be granted for health reasons. If your motivation for selling your house was to obtain diagnosis, treatment or cure for a disease or injury to you or a family member, you can apply for an exclusion. Unforeseen circumstances such as death, unemployment, divorce or natural disasters may also reduce your capital gains tax. Consult a tax professional for advice about your unique circumstance.

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Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Patie Millen and Eric Bonetti, REALTOR®, real estate agent and broker for Ashland, Medford and Rogue Valley, Oregon home listings, property and land for sale - NUMBER1EXPERT(tm)

Patie Millen and Eric Bonetti
Royce Real Estate Services
145 East Main Street
Ashland, OR 97520
541-301-3435: 800-585-0010
EFax: 503-210-7899
patie@ashlandoregon.com
Call us. We are always happy to answer your questions. Or email us and let us know the type of property you would like to find. We are experts in Southern Oregon and it is our privlege to assist you.

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