Home Purchase Tools
Financial Statement
How do banks figure out how much home you can afford? One critical way is through your personal financial statement. This interactive form asks the very same questions that the banks will, and will help you understand your financial situation. You can even print it out and take it with you.
Home Seller Property Disclosure form
If you are selling your home, chances are you will have to fill out a disclosure form for the house, (especially in Oregon, where it's a law that you have to). This form lists everything about your house (to the best of your knowledge). This keeps buyers from "surprises" that you swept under the rug, so to speak. Sorry, by law you have to disclose it. This online property disclosure form will give you a sense of what information you will need to know.
Closing Cost Estimator
Everytime you buy or sell a home, there are costs. These closing costs are typically made up of Real Estate Broker/Agent's commission; lender fees; title insurance; escrow costs; appraisal fees; home inspection fees; Notary fees; and homeowners insurance. Wouldn't it be nice to have a general idea of how much it will cost? Yes, yes it would.
Personal Credit Tools
Credit Score Estimator
It's a bit shocking that every person over 18 can pretty much be reduced to a single number. Your credit score determines your rates, how much you can borrow, and if lenders consider you a "great risk" or not.
Get Your Free Credit Report
By law, you can get a free copy of your credit report from each of the three credit bureaus, just not your credit score. Knowing what is on your credit report is very important, because more often than not, there is a mistake. Do you want a mistake dragging down your credit score?
[Tip: order one score from each bureau every 4 months. That way you can keep track of what's on your credit report all year for free!]
Credit Risk Reasons
Hidden in your credit report are secret codes that tell the credit bureaus what problems they think you have. Knowing these codes will basically tell you what you need to do to improve your credit score!
Foreclosure Information
Oregon Foreclosure Law
A simple and easy to read explanation of foreclosures in Oregon.
Foreclosure on Real Property
A more in-depth and technical explanation of the foreclosure process in Oregon, prepared by the Oregon State Bar.
The foreclosure laws change constantly, please consult an attorney for the most current foreclosure information.