Your REALTOR:
Blue Pacific Realty
June 2022
Real
The main objective for the Realtors at Blue Pacific Realty
is to provide personalized, expert service
in a friendly, responsive manner.


Is a Bigger Down Payment Always Better?
When you’re buying something major with a loan, namely a house, you likely need a down payment. A down payment covers part of the purchase price.
      Your down payment plays a role in whether you are approved for a mortgage at all. Down payments also impact your interest rate and the borrowing costs throughout the life of your loan.
      Your down payment usually comes from your savings. The down payment should be a percentage of the total purchase price, and then you pay off the rest of the loan by making installment payments.
      If you’re buying a house for $200,000 and want to make a 20% down payment, it’s $40,000.
MORTGAGE RATES
U.S. averages as of June 2022:


30 yr. fixed: 5.1%
15 yr. fixed: 4.31%
5/1 yr. adj: 4.2%






You would pay that when you close on your home loan. Then, you’re actually only borrowing $160,000.
      There are arguments to be made both for and against
houseWondering What Your Home Is Worth?

Free Market Analysis




Comparing a Pre-Approval and Pre-Underwriting
     When you’re shopping for a new home, there are a lot of steps in what can be an overwhelming and frustrating process.
      Much of that frustration comes from getting mortgage financing.
      Before you start to look for a home, you might decide to get pre-qualified or pre-approved. There’s also the option to go through pre-underwriting. When the housing market remains competitive and bidding wars are common, there are some benefits to pre-underwriting, which we detail below.
      What is Pre-Qualification? Pre-qualifying for a loan is a single step on your way to a pre-approval. Pre-qualifying is part of a process when you work with a lender, and they decide the type of guarantee they will



How to Stock Your Airbnb
     When you own a short-term rental, your ultimate goal is to increase the occupancy as much as possible, meaning more revenue. You need to build a strong reputation and have great guest reviews to do this.
      Impeccable guest reviews mean your listing is honest and transparent, so they know what to expect. You also want to go the extra mile to make their experience great.
      While an Airbnb experience is different from staying in a hotel, you still want your guests to have what they need. There’s no requirement that you have to stock a short-term rental with hotel-like amenities and supplies, but not doing so could be disappointing, and your reviews and ratings could take a hit.
      When you supply what your guests needs, it’s an upfront cost, but often not a major one, and it can easily pay for itself and then some.
      So what’s most important to the

Building Green

Blue Pacific Realty has added a "Building Green" page. This is an informative, easy to operate page to help connect you with professionals interested in creating more environmentally sensitive structures.



Blue Pacific Realty's
Video News Channel

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Brookings, Oregon Website (www.BrookingsHarborOregon.com)

Blue Pacific Realty has created a website to provide the public with highlights of our community and the surrounding area. Take a trip along the coast from Crescent City, California, through the Broookings, Oregon area, on to Pistol River and Gold Beach at http://www.BrookingsHarborOregon.com. Blue Pacific Realty's community site features specific local destinations with information and slide shows for your enjoyment. There's also a calendar of events section and general information about our community. If you live in the Brookings-Harbor area, send this site to your friends. If you haven't had the opportunity to visit our community yet, this site will give you a good overview of "Why we love living in Brookings, Oregon". Please Enjoy. CHECK IT OUT - Blue Pacific Realty has added a "Building Green" page on their website www.blupac.com. An informative, easy to operate page to help connect you with those professionals interested in creating more environmentally sensitive structures.



  Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
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FHA vs. Conventional Loan: Which is Right for You?
What is a Hard Money Loan?
What Should You Know If You Inherit a House?


Blue Pacific Realty
E-mail: info@blupac.com
Website: http://www.blupac.com
Phone: 541-412-8424
Fax: 541-412-0334
Blue Pacific Realty
Toll Free: 888-412-8424
16289 Hwy. 101 S, Suite A
Brookings, OR 97415


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