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Welcome! Here You Can Find Great Information on Lincoln City, Depoe Bay, Neskowin and Pacific City, Oregon and other Oregon Coast Real Estate for sale.   Looking for homes for sale on the Oregon Coast? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Lincoln City, Depoe Bay, Neskowin and Pacific City, OR real estate market in this site. Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent on the Oregon Coast. As your trusted, professional real estate partner, I 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. Buying or selling a home in any area of Lincoln City, including Roads End, Neotsu, Otis, Oceanlake, Wecoma, Delake, Nelscott, Taft, Cutler City, Gleneden Beach or Lincoln Beach is one of the biggest events in your life. I have the experience and track record you are looking for. - Tammy Ehrenfelt |  | | | Coldwell Banker Lincoln City, OR | |
Financing Your Home >Assuming a Mortgage
You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.
Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.
Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.
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| Q |
What home is the best example of colonial architecture in homes designed to "grow" as the family grew?
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| A |
The House of the Seven Gables in Salem, MA, that was the model for Nathaniel Hawthorne's novel of the same name. |
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Tammy Ehrenfelt
Coldwell Banker Gesik Realty
1815 NW Hwy 101
Lincoln City, OR 97367
Direct: 541-992-5111
Fax: 541-994-9582
Toll Free: 800-959-7760
TammyEhrenfelt@NUMBER1EXPERT.com
I have been a Real Estate Broker with Coldwell Banker Gesik Realty in Lincoln City, OR for many years. Selling Oregon Coast homes in Lincoln City, Depoe Bay, Gleneden Beach, Neskowin, Lincoln Beach, Newport, Waldport, OR as well as many other areas of the state of Oregon and have worked hard at making my business successful by taking care of my clients whether they're buying or selling real estate on the Oregon Coast. If you are looking to relocate out of the area, I have national and international contacts that I can refer you to. Just give me a call and let me know what you are looking for and "The Go-To-Girl For Real Estate" will go to work for you.   
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