Hey there, amazing future homeowners! Are you picturing yourself in a brand-new home that sparkles with possibility? If the idea of stepping into a space that no one else has ever called home excites you, then a new construction home is calling your name. As we explore the fabulous perks of going with a new build, let me be your guide on this adventure, ensuring every step of your journey is as smooth as freshly poured concrete. Let's uncover why a new construction home isn't just a house, but a dream waiting for you to make it your reality. Customization: The Canvas of Your Dreams Imagine a home designed around your life, your tastes, and your dreams. New construction homes offer that blank canvas, allowing you to choose layouts, finishes, and details that reflect your personal style. Say goodbye to the days of dealing with awkward spaces and hello to a home that fits you like a glove. Efficiency and Innovation: The Future is Now Step into the future with homes that are built for today's energy-conscious world. New constructions come with the latest in efficiency, from appliances to insulation, ensuring your home is both comfortable and cost-effective. Plus, with everything under warranty, you'll enjoy peace of mind alongside lower energy bills. Community and Convenience: Your Lifestyle Elevated New builds often come hand-in-hand with new communities, offering more than just a place to live but a lifestyle to embrace. From parks and pools to community events, these neighborhoods are designed with your happiness and well-being in mind, situated in areas poised for growth and prosperity. Simplify Your Buying Experience Forget the bidding wars and the stress of competing offers. Buying new construction usually means a direct line to the builder, offering a streamlined and less competitive purchasing process. It's all about making your journey to homeownership as smooth as possible. Health and Safety: Breathe Easy in Your New Home New homes are built to the latest standards, ensuring you're moving into a space that's safe and sound. Enjoy the peace of mind that comes with knowing your home is free from the hidden issues that older homes might hide, from air quality to construction materials. Ready to Make Your Dream Home a Reality? Choosing a new construction home means embarking on an exciting journey to creating a space that's uniquely yours, filled with endless possibilities and new memories to be made. And when it comes to financing this dream, you deserve a partner who understands your vision and is dedicated to making it come to life. That's where I come in. As your lending expert, I'm here to navigate the financing process with you, offering personalized solutions that fit your new home's needs. From securing the best rates to guiding you through every step of the lending process, I'm dedicated to ensuring your path to homeownership is as joyful and seamless as the day you step into your new construction home. Don't let the financial side of homeownership be a hurdle. Let's make your dream home a reality together. Get in touch today, and let's turn those dreams into your very own set of keys.  Here's to new beginnings in a home designed just for you. Reach out now, and let's start this exciting journey together. Your dream home awaits, and I'm here to help you every step of the way.  Scott Holmberg Production Manager/Sr Loan Originator phone. 541-480-3443 email:Scott.Holmberg@fcmhomeloans.com           firstcommunitymortgage.com   NMLS ID 284301FCM NMLS ID 629700550 NW Franklin Ave Suiite 248Bend, OR 97703

A beautiful home constructed in Tree Farm neighborhood in Bend, Oregon Hello, amazing future homeowners! Are you ready to bring the dream home you've been envisioning to life? I know, the thought of starting can feel a tad overwhelming, but what if I told you it could be as delightful as planning your dream vacation? That’s right! With a construction loan, your dream home isn’t just a fantasy; it’s a very achievable reality. And I'm here to walk you through each step, making sure it’s not just manageable, but truly enjoyable. Setting Your Sights on the Right Budget  First up, let's talk budget, but in the most uplifting way possible! How much are you ready to invest in creating your sanctuary? This isn’t just crunching numbers; it’s about envisioning the life you'll lead in your new home. Think of it as curating the backdrop for all your future joys and celebrations. Choosing Your Perfect Canvas  What’s the view from your dream home’s window? Finding the right piece of land is like choosing the canvas for your masterpiece. Let's find that special place that speaks to your heart, where you can lay down roots and watch your dreams grow. Designing with Heart and Soul  Now comes the magic part—designing your home. This is where your vision starts to take shape, and I promise, it’s as thrilling as watching your favorite story come to life. Let's collaborate with architects and builders who understand what you're dreaming of and can bring it to life. Making Sure Your Financial Selfie Is Picture-Perfect  A good credit score can open doors to the best loan terms. Think of it as your financial reputation—let's make sure it shines bright, showcasing your reliability and readiness for this exciting journey. Preparing Your Adventure Kit (Documents!)  Every great adventure needs a bit of preparation. Gathering your documents is like packing your bag with essentials. From financial statements to project plans, having everything organized is your first step towards a smooth journey. Choosing the Right Travel Buddy (Your Lender!)  Not every lender understands the unique path of building a dream home. That’s where I come in. Let’s find you a financial partner who not only offers the best terms but also shares in your excitement and vision for the future. Embarking on the Application Journey Together  Filling out your loan application is where our adventure really starts. I'll be right by your side, ensuring you have all the information and support you need to confidently take this step. Navigating the Approval Process with Ease  Your application is like your passport to starting construction. We'll ensure everything is in order, presenting your project in the best light to get that stamp of approval. It's about getting everything ready for takeoff. Crossing the Finish Line: Loan Closing  Getting your loan approved means it’s time to start building. This moment is a celebration—it’s where your dream starts to become tangible. And I'll be cheering you on every step of the way. From Construction Site to Home Sweet Home  As construction wraps up, we'll transition your construction loan into a permanent mortgage. It’s like the grand finale of a wonderful journey, leading you to the doorstep of your new life. Let’s Build Your Dream Together! Are you feeling excited? I sure am! Your dream home is not just a possibility; it’s a reality waiting to happen. With my guidance and support, we’ll turn the vision in your heart into the home of your dreams. Don’t let your dream home remain a daydream. Reach out to me today, and let’s start this beautiful journey together. Your new beginning is just a conversation away. Let’s make it a reality, together.  Scott Holmberg Production Manager/Sr Loan Originator phone. 541-480-3443 email:Scott.Holmberg@fcmhomeloans.com           firstcommunitymortgage.com   NMLS ID 284301FCM NMLS ID 629700550 NW Franklin Ave Suiite 248Bend, OR 97703         

Hey there, dream home builders! Have you ever dreamed of crafting your very own living space, right from the scratchy grass up to the fluffy clouds? Well, you’re in luck because we’re diving into the world of construction loans - your new best friend on this adventure. This guide is here to walk you through the ins and outs, making the complex world of financing as cozy as your future living room. So, What’s the Deal with Construction Loans? Picture this: you’re not just buying a house; you’re creating it. That’s where construction loans come into play. These are the financial wizards that help turn your blueprint dreams into brick-and-mortar reality. Unlike their cousin, the traditional mortgage, which is more about moving into pre-built homes, construction loans are all about starting from the ground up. How Construction Loans Sprout Imagine planting a garden. You don’t throw all the seeds in at once, right? You plant them in stages, ensuring each one has what it needs to grow. Construction loans work similarly. The money comes in “draws” or stages, perfectly timed with your project's progress. This way, you’re only paying interest on the amount you’ve actually used, keeping your wallet happy during the build. The Sweet Perks of Going Custom Design Freedom: Ever wanted a kitchen that opens directly to a slide into the pool? Now’s your chance. Construction loans give you the creative freedom to make those quirky, dreamy choices a reality. Smart Spending: With funds released in stages, you’ve got a built-in budget manager, ensuring every dollar is spent wisely on your project. Easy on the Wallet: Interest-only payments during construction mean you can focus on the important stuff (like choosing paint colors) without stressing about hefty repayments. The Adventure of Applying Sure, applying for a construction loan might feel like you’re plotting a course through uncharted waters. But fear not! You’ll need your trusty map (detailed construction plans), some treasure for the journey (a down payment), and a pinch of patience as lenders check out your plans and the team behind your dream. Is This Financial Wizardry Right for You? Building a home is no small feat. It’s an adventure filled with decisions, dreams, and a dash of dust. If you’re up for the journey, a construction loan might just be your magic carpet. It’s all about weighing the amazing possibilities against the need to juggle a few more balls during the construction circus. Ready to sharpen your pencils, dust off your blueprints, and dive into the details? Great! Improving your credit score, gathering your documents, and refining your construction plans are all excellent first steps. A chat with a financial advisor or a loan specialist can also sprinkle some wisdom on your plans. Wrapping It Up with a Big Bow Construction loans are like the secret ingredient in your home-building recipe, offering the flexibility and support you need to whip up something extraordinary. Understanding how they work and the benefits they bring to the table can help you decide if this is the right flavor for your project. For all you brave souls setting sail on this home-building voyage, remember: a little planning, a bit of preparation, and the right partnership can lead to smooth sailing. If you’re eager to learn more about how a construction loan can help build the foundation of your dreams, we’re here to chat. Let’s start sketching out your dream home together – it’s going to be epic! Click here for a list of vacant land:  Salem, Oregon vacant land for sale Eugene, Oregon vacant land for sale Portland, Oregon land for sale Bend, Oregon land for sale Bandon, Oregon land for sale  Scott Holmberg Production Manager/Sr Loan Originator phone. 541-480-3443 email:Scott.Holmberg@fcmhomeloans.com           firstcommunitymortgage.com   NMLS ID 284301FCM NMLS ID 629700550 NW Franklin Ave Suiite 248Bend, OR 97703         

You do not need 20% down Unlocking the Door to Homeownership in Oregon: Less Cash, More Home Hey there, future homeowners! Have you been daydreaming about picking out curtains for your very own place but felt that dream was just a tad out of reach because of the down payment dread? Well, I'm here with some fantastic news that might just have you doing a happy dance.  Let's debunk a big, old myth right now: that hefty 20% down payment that's been haunting your homeownership dreams? It's not the end-all-be-all. In fact, Oregon is bursting with options that can get you through the front door of your new home with much, much less. Sometimes, even with 0% down! Yes, you read that right—zero. Zilch. Nada. FHA Loans: The Friendly Giant First up, let's chat about the FHA Loan. This gem is backed by the Federal Housing Association and is as friendly as it sounds. It's open to all US Citizens and Permanent Resident Aliens with the right credit background, requiring only a 3.5% down payment. And guess what? You don't need to be a first-time buyer to get in on this deal. Whether you're revisiting homeownership or stepping in for the first time, FHA loans are about making the dream more attainable for everyone. Just remember, this one's for those planning to make the house their home, not for investment purposes. Conventional Wisdom with Home Possible and Home Ready For those who are indeed first-time buyers, meet the dynamic duo: Home Possible and Home Ready. These conventional loan products ask for just 3% down and are tailored for you. Although they come with income restrictions based on your future home's location, they're designed to open doors, not close them. And if you're brushing up against those income limits, Home One might be your match, with its friendly approach to mortgage insurance compared to FHA loans. The Dream of Zero Down Now, for the grand reveal: zero down payment options. Yes, they exist! USDA loans, backed by the United States Department of Agriculture, and VA loans, a heartfelt thank you to our Veterans, offer paths to homeownership without the upfront cash challenge. USDA loans have their maze of requirements, focusing on income, location, and credit. But if you tick those boxes, it's a financially savvy choice. VA loans hold a special place in my heart. Exclusively for Veterans, they offer the opportunity to purchase homes up to $2.4 million without a down payment, honoring those who've served with a homecoming of their own. The Beacon of Hope The path to owning a home in today's world doesn't have to be paved with your savings. With these loan products, the door to homeownership is wider open than many realize. If a big down payment has been the barrier standing between you and your home, let these options light your way forward. Dreaming of homeownership is one thing; stepping into your new home is another. And guess what? It's more achievable than ever. If you're ready to explore these options further and take the leap into homeownership, I'm here to guide you every step of the way. Let's turn those dreams into reality, together! Reach out to Stacey Sebastian, Principal Broker with Works Real Estate, to connect you with a real estate professional in your area!  All information herein is for informational purposes only and speaking directly to a lender is key! I am happy to point you into a reputable direction, lets chat! Stacey Sebastian  Oregon Principal Broker Sunny in Bend - Works Real Estate 1-541-797-1031 PropertyinBend@Gmail.Com Licensed since 2004 Facebook Group: Sunny in Bend, Oregon - A Group for Newbies And Locals