Lovely Craftsman Home in the Historic District is a vacation rental with high rents...

MLS 220123841 | Mary P Gemba: This adorable cottage is located in the heart of Bend and is a very profitable vacation rental. Cottage has hardwood floors and was extensively updated in 2005 with new siding, fixtures and heat. A quaint front porch welcomes you in. Hardwood flooring and other artistic touches enhance the rustic ambiance of the home. A large garage/storage building and parking are accessed from the alley.

Rare opportunity in Rimrock! $650k

MLS 220123502 | Mary P Gemba

Tonites' Best Buy in Bend: on Troon...

MLS 220123668 | Mary P Gemba

Bend's Best Buy is ADU friendly with over 1400 sf and long-term renters pay $1700 a month in the Old Mill District

MLS 220123087 | Mary P Gemba

Almost 4,000 sf to update, or ? across from Juniper Park for $750,000

MLS 220122906 | Mary P Gemba

Bend's Best Buy is located in Tumalo on acreage with big views adjoining BLM land! Build your home after removing this MF...

MLS 220122709 | Mary P Gemba

Buying or Selling a Home? Factor in all the costs including Closing Costs...

 f you’re getting ready to buy a home, you’re probably focused on saving as much as you can for the down payment. But don’t forget: You’ll need to cover closing costs, too. 

To create a realistic homebuying plan, make sure you factor in this additional upfront expense so that you can set yourself up for success.

Are you eyeing a home purchase in the near future? Here’s what you need to know about closing costs:

What are closing costs? 

Closing costs include several fees, including those associated with originating, processing and underwriting your loan, recording the transaction with your county, appraising your home and more. Taxes and insurance are also part of these expenses. 

When do you pay them? 

Closing costs are paid on closing day, once your loan is ready to be finalized. You’ll also pay your down payment at this time.

How much are closing costs? 

The exact amount you’ll pay will depend on various factors, including your location, loan amount, lender and more, but you can generally expect to pay somewhere between 2% and 5% of your total mortgage balance.

Are there ways to reduce closing costs? 

You can reduce your closing costs by shopping around for your lender and title company, asking the seller to contribute, or, in some cases, negotiating with your lender.

Selling a house comes with closing costs, too, so make sure you’re prepared if you’ll need to sell a property before buying your new one. 

Call me for recommendations on servicers:  541-771-8947/  541-330-1700 (Office)

Coming to Market downtown on the River

Bend's Best Buy $600k Rural but close-in with a little acreage with irrigation...541-771-8947

MLS 220121989 | Mary P Gemba

Bend's Best Budget Buy is directly across the street from St. Charles with 2 beds and 3 baths.....

MLS 220121892 | Mary P Gemba: Lots of potential in this established Aspen Glen Townhomes Condo. This unit has two master suites both with walk in closets and attached bathrooms. Enclosed upper level deck with windows, perfect for a home office or workout area. Attached double car garage is perfect for all your Central Oregon toys! HOA includes pool/hot tub, snow removal, garbage, sewer, water, exterior maintenance and landscaping. Close to hospital, shopping and great restaurants. Don't miss this opportunity to live in the heart of all that Bend has to offer!