Who is Freddy Ruiz Jr
Hello, I'm a native to Salem Oregon, Licensed Real Estate Agent with BST Realty. I'm a huge fan of living in Salem, we're so close to all the great Oregon nature. I'm pretty available for home showings, you can always text message (or email) anytime no worries. I'm usually responding and doing business from 8am-8pm, but always working on something during the off time. Hit me up — Let's go look at homes and write offers!
Freddy Ruiz Jr
503-881-5031
Freddy@SalemOregonBroker.com
Email Signatures and Initials
99.99% of the time the Transaction Coordinator or myself will be emailing documents to you to sign via DocuSign. It's easier if everyone involved in the transaction has their own email for signing documents.
Does this house qualify for USDA?
Here's the link to check:
USDA ELIGIBILITY
Is this house in a flood zone?
Check here with the FEMA website:
FEMA Flood Map Service Center
What's a pre-listing?
The listing is signed, but the property is not quite ready for market.
The Seller wants to promote their listing as "Coming Soon"
The listing is signed, but the property is not quite ready for market
The Seller wants to promote their listing as "Coming Soon"
Gives Broker and Sellers time for professional photos, de-clutter, misc repairs
Allow advertising efforts (custom website, video walk-through, social media) to begin
Days on Market (DOM) do not accrue while in PRE-status
There is no time limit in pre status
What is the seller accepted an offer during PRE?
the listing must be changed to ACTIVE, irreversible
SHould i be talking to loan person?
Why should I talk to a loan person first?
Home sellers don't want to waste time with a risk.
no loan, needs to get a loan, in the process of getting a loan— do not compare well to buyers who are ready - able - willing to purchase real property.
How much can you afford and what loan type?
not all homes will qualify for government-insured loans likes VA, FHA, USDA
Credit scores
if your credit score isn't 740, then a loan person can help increase that number
loan people all have advice and programs to work with credit scores or increase them
I consider them credit coaches
"I'm scared to dig up my credit and work history. It's kinda embarrassing."
They've seen it all, they're here to help, this is their job.