Brad Garbutt

REALTOR®, Associate Broker

Since 1983, I have helped thousands of families and individuals buy and sell homes in Redding/Shasta County. The only thing that exceeds my experience is my commitment to you because whether you're buying or selling a home, your satisfaction is my number one goal. My commitment to you includes implementing the latest real estate technology and resources to effectively market and sell your property. When you're ready to buy or sell a home and you want exceptional service, call me!

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NEWS FLASH-MORTGAGE RATES DROP TO 4.5%

HOME LOANS, TIPS FOR BUYERS
December 17th, 2008

In twenty five years of selling real estate, I have never seen interest rates drop so low! Becki Isner, of Amerigroup Loan Center here in Redding, is quoting 4.5% for a 30-year fixed rate mortgage with a 20% downpayment and a FICO credit score of at least 740.

For the median priced home of $210,000 with 20% down, this translates to a mortgage payment of $851/month on a loan of $168,000. Add taxes and insurance and the payment is roughly $1,100/month! That is about equal to rent not counting tax advantages.

Homebuyers would be able to write off interest, property taxes and some loan fees. Taxes and interest are deductible and would create nearly $10,000/year in write-offs. This should save a buyer at least $250/month which equates to a net payment of $850/month. Home ownership makes sense with these very low long term fixed interest rates!

Becki Isner can be reached at 221-2626 or 949-0157 for details….

www.bradgarbutt.com

www.movetoredding.com

bradgreps@yahoo.com

530-224-6767 or 530-941-7492

BRAD GARBUTT

REALTOR/BROKER ASSOCIATE

REAL ESTATE PROFESSIONALS GMAC

QUARTER CENTURY LOCAL REAL ESTATE EXPERIENCE

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