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Real Estate Resources:

• Special Offers - Special offers for Bend, Redmond and Sunriver homeowners from The Gardner Team.

• Affiliates - The Gardner Team's real estate web site affiliates.

• eNewsletter - The Gardner Team'sBend, Redmond and Sunriver newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Oregon, and United States.

• Market Conditions Report - Market conditions report for this area, Oregon, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Bend, Redmond and Sunriver, Oregon mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Oregon or buy your own Bend, Redmond and Sunriver house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Bend, Redmond and Sunriver mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Oregon real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask The Gardner Team anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - The Gardner Team's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - The Gardner Team's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Bend, Redmond and Sunriver property in Oregon, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Bend, Redmond and Sunriver Homes, For Home Buyers, For Home Sellers, Bend, Redmond and Sunriver Information, Real Estate Resources, and About The Gardner Team.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Oregon Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Bend, Redmond and Sunriver

First Time Buyers >Choosing A Lender When you are buying a new home or refinancing your present one, it is wise to do some comparison shopping among lenders. A low interest rate isn't the only criterion by which to evaluate a loan. You should also consider the terms of the mortgage, what your closing costs will be and the reputation of the lender. Real estate agents are a good source of information about loans and lenders, whether you are buying a home or just refinancing your present home. We routinely assist buyers when they need a mortgage in order to purchase a home. We know what loan packages are available and the qualifying requirements. The companies with the lowest rates sometimes have very conservative underwriting guidelines, and may not be willing to make loans on certain types of property or to buyers who are marginally qualified. We can tell you which companies and loan officers will go the extra mile to provide excellent service to make sure that the transaction closes. See All Tips In The "First Time Buyers" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What amenity do 48% of all homes in the new housing market have? A  48% of all newly-constructed homes now have 2 1/2 baths or more, up from 1985 when only 29% had more than 2 baths. See More Real Estate Trivia >

The Gardner Team Bend Brokers Realty 22055 Rickard Road Bend, OR 97702 Phone: 800-464-2363 Fax: 541-317-0513 Local Phone: 541-389-7369 Email: thegardnerteam@NUMBER1EXPERT.com We're big believers in continuing education. Thanks for Visiting! ALL REALTORS ARE LICENSED IN THE STATE OF OREGON. www.OregonProperties.com is brought to you by The Gardner Team NUMBER1EXPERT™ in real estate for Bend, Redmond and Sunriver, Oregon Read The Gardner Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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