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We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Terry Sprague and Melanie McCarthy is one of The Top Selling Real Estate Experts™
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Welcome! Here You Can Find Great Information on Lake Oswego, West Linn, Portland, Sherwood and Oregon Coast Real Estate. Don't miss our Feature Homes.
Terry Sprague and Melanie McCarthy of Sotheby's Realty are a boutique-style real estate partnership located in Lake Oswego Oregon, specializing in Lifestyle homes and development. To us, each situation and property is as unique as the individuals we represent. We take the time to discover how we can best serve the one-of-a-kind needs of every client. We rely on our extensive resources and experience to provide a distinct level of expertise. We pride ourselves in giving a concierge service to each individual client.
 Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Lake Oswego, West Linn, Portland and Sherwood real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.
Interest Rates >Second Home Financing
You have returned every year to your favorite vacation area, and have finally decided to buy a second home in the special place where you enjoy your holidays. It is an excellent time to apply for a mortgage loan to make your purchase.
The climate for second home mortgages is the most favorable in years. Low interest rates and a recovering economy have attracted more buyers than ever before to purchase a second home for investment and vacation purposes. Many homeowners with a strong credit history have been able to qualify for a home equity loan at excellent rates, and have used their equity cash for down payment and closing costs on a second home.
Lending institutions are offering a wide range of affordable home loans. The rule of thumb is that a buyer can qualify for a loan amount based on 28 percent of their gross income. Often repeat buyers discover that they can borrow more than they assumed possible.
If you wish to take advantage of today's reasonable interest rates to purchase a second home, consult a real estate professional who can help to make your dream a reality.
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| Q |
What document must lenders provide within three days of receiving your application for financing?
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| A |
The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan. |
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