First Time Homebuyer Tips for Bend, Oregon

Owning a Bend Oregon home or property is a wonderful way to begin investing in your future and building financial stability for you and your family.  Owning a new home and purchasing real estate is a very exciting step in one’s life; it can also be overwhelming and very stressful.  This is not only true for first time home buyers but for many veteran real estate buyers as well.  As the Bend Oregon real estate market changes, lenders will offer a growing variety of products for mortgages of every type.  Knowledge is power when buying a home and a great Bend Oregon real estate agent can have a plethora of knowledge at their finger tips.  Contact me today if you are considering moving to Central Oregon and I can help with the entire process in making your first home purchase.  Call me at (541)350-8424 or feel free to email me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Here are some other helpful tips that might help in your first Bend Oregon home purchase:

Get Pre-Approved for a Mortgage:

Pre-approval will let you know what type of house you can afford in Bend Oregon as well as lock you in to a low interest rate.  Obtaining pre-approval lets buyers know that you are serious about making a Bend Oregon real estate purchase.  Find a lender who is willing to discuss your individual situation and help you determine what type of loan is best for you.  You should feel comfortable with your lender when going through the pre-approval process and if you need any recommendations on a good mortgage broker, give me a call at (541) 350-8424 or email me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it and I will be happy to give you a couple of trusted names that can help.

Don’t Stop With the First Home You Visit:

This does not necessarily mean that you should avoid the first Bend Oregon Property you visit, but it does mean that you should do some shopping before you place an offer.  Buyers who fall in love with the first home they see will often pay more than is necessary compared to if they would have visited other homes.  Also, these buyers will sometimes experience buyer’s remorse and will wonder if they could have gotten a better deal and whether or not they purchased the best home for their needs.

Talk to the Professionals:

A five-minute conversation with a senior real estate specialist or mortgage lender can save you a lifetime of questions and headaches.   In the first stages of buying a home, be sure to contact a few different mortgage brokers to find out about current mortgage rates and incentive programs that they might offer in the Bend Oregon area.  FHA loans and first-time home buyer programs can save you a lot of money now as well as in the future.

If you need any advice or information about first-time home buyer programs that might work for you, give me a call at (541)350-8424 or email me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it and I will be more than happy to assist you.

Sincerely, 

TERI GREEN

Bend Oregon Real Estate – Senior Real Estate Specialist
The Hasson Company

Tips For Relocating to Bend, Oregon

Moving to a new area can be very difficult and stressful.  If you are thinking of buying a home and relocating to Bend, Oregon I have a few suggestions that just might make the move a little easier.  First of all it’s a good idea to familiarize yourself with the area as much as you can.  Some helpful resources are the websites for the City of Bend: http://www.ci.bend.or.us/ the Bend Chamber of Commerce: http://www.bendchamber.org and http://visitbend.com.  These are all helpful websites that can give you great information about Bend, Oregon events, activities, businesses and services that you may need once you get here.

Planning is also a very important piece for any move.  The address change portion is essential in making a move to ensure all of your mail, and communications are forwarded to the proper Bend, Oregon address.  If possible, notify credit card companies, relatives, periodicals and utilities four weeks in advance of your new address and your expected move out date.  Contact the local Bend, Oregon post office and request an address change form or go online to usps.com to complete a paperless change of address.  Call the utility companies in Bend, Oregon once you have set a move in date so that you are sure to have heat, water and electricity as soon as you move in.

Once you are done with the logistics of the new Bend Oregon home, it’s time to start packing!  Again, planning is key.  Pick one room and start there.  A great rule of thumb is to begin packing one room per day and be sure to set aside items that you no longer want or need and send them to a thrift store, or plan a garage sale.  Garage sales can be a little overwhelming, but they can also bring in some extra income to help with the move.

Pack the areas and rooms that you use the least at the beginning.  It is best to avoid the frustrations of digging through boxes looking for items prior to the move to Bend, Oregon so make sure the essentials are the last thing to get packed.  Boxes should be labeled with three things: the room in the house as to where they came from, what exactly is inside the box, and whether or not the items inside are fragile.

Here are a couple of other reminders if you are doing all of the moving yourself:

- Pack your items with care and with lots of cushioning for the breakables.  If possible, use blankets, pillows, sheets and other linens to pad items in boxes.

- Pack dishes and glass objects vertically and do not stack them.

- If you have a heavier or larger item, it should be packed in a smaller box so that it does not get overloaded with other items and become difficult to carry.

- Many injuries occur every year due to moving and poor form when lifting boxes.  Remember to use your legs and not your back!

- Teach your children your new Bend, Oregon address and phone number as soon as possible

- Keep some boxes labeled as “open me first” which contain necessities such as toiletries, medicine, snacks and other items you might need to make sure your first night goes smoothly.

If you need additional Bend, Oregon relocation information I’m happy to help.  Contact Teri Green at (541) 350-8424 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Sincerely, 

TERI GREEN

Bend Oregon Real Estate – Senior Real Estate Specialist
The Hasson Company

Making an Offer

When looking to place an offer on a home there are a few things to consider to ensure you are offering a fair price.  You don’t want to over pay…especially when the real estate market in Bend, Oregon is seeing home prices at such lows.  But you also don’t want to insult the seller with a severely undercut price.  There are a couple of resources that are available to aid in determining the proper value of a home.

Recent Sales Information and Reports

Ask your Bend Oregon Realtor to provide a comprehensive report of homes that have sold in the last few months in the neighborhood that you are looking.  The reports will include the listing and selling price for each home that has recently sold.  This information can be very useful and can assist you in finding the average difference in the listing price tag and the actual selling price.  In some markets you will see people paying more than the listing price; and in others, it can be much less.  It really is dependent on the location in Central Oregon and the real estate trends in each specific area.  However, by studying these reports you will at least have a ballpark information to fall back on to make you feel more comfortable when making an offer.

Ask for an Independent Appraisal

If you need more information about a home (especially an older home) you may opt to have a professional appraiser look at the property before you make an offer to the seller.  A good rule of thumb is to select an appraiser that is completely independent of any third party involved in the sale.  This makes the appraiser a neutral party in the scenario and allows them to make a fair and honest report about the home and its condition.

After an appraisal by an independent party is completed and you want to move forward with making an offer, know that the lender will probably not accept this first appraisal.  They will most likely opt for a second appraisal report to be completed for compliance issues.  Either way, the original appraisal report will contain vital information that will assist you in making a knowledgeable and confident decision about whether or not you want to move forward in making an offer on a Bend OR Property.

In this appraisal report you can expect to find information about homes and properties in the surrounding area.  There will be a list of at least 3 properties that are comparable to the one you are interested in and a brief overview of the Bend Oregon housing market at the time of appraisal.  The report will also include potential dangerous attributes or problems with the home and items to keep in mind when thinking about making a purchase.  If the home is outdated and needs to be remodeled, are you prepared to make the time and monetary investment to bring the home up to date?  If the home has some structural issues that need to be taken care of should you include this discount in your offer?  These are just a couple of questions that will arise when looking at an appraisal report.  An independent appraisal will most likely not be required, unless you are purchasing using a loan.  But know that as a buyer, you have this right.

Know Your Realtor

A buyer’s agent and a seller’s agent both have their own party’s best interest in mind when making a Bend Oregon real estate transaction.  If you are a buyer working with the selling agent, know that you will not get much help from the realtor because he or she is attempting to get the highest price possible for their client.   However, if you are working with the buying agent, know that they have your best interest in mind and can often be quite helpful in crafting an acceptable offer to the seller.  Local and state laws can also have an important role in the agent’s ability to move you through the buying process.  Ask your agent about whether they are a seller’s or buyer’s agent and what laws are in effect that could inhibit your agent’s ability to help you in the buying process.

For more information on this topic or the Bend Oregon real estate market, contact Teri Green today at 541-350-8424 or email her at This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Sincerely, 

TERI GREEN

Bend Oregon Real Estate – Senior Real Estate Specialist
The Hasson Company

Tips for Buying a Bend, Oregon Foreclosure

If you have ever thought about buying a Foreclosure in Bend, Oregon, but are not sure how to go about it, you have come to the right place.  There are several different methods for buying a foreclosure property.  The majority of these methods will involve cash-in-hand for the full purchase price of the home and doesn’t necessarily have a real estate broker involved in the transaction.  If you don’t happen to have the required cash upfront to purchase a foreclosure, then this information should be helpful to you.

Utilizing the services of an experienced real estate broker is going to be your safest and most common bet when purchasing a foreclosure in Bend, OR.  I have assisted many of my clients through the process, which has allowed them to use a lender for financing while still purchasing a great bargain.  To tell you the truth, there are some great tricks available for buying foreclosures!

First of all, I recommend signing up to receive emails for new bank owned properties that come on the market and fit your criteria.  You can click here to sign up for Bend Oregon Foreclosure Properties. Second, you need to know your niche market and you can do this by keeping an eye on properties that have similar attributes to what you are hoping to purchase.  Watch the current prices of available listings and as well as know what the current selling prices in the market are.  Don’t be fooled by short sale prices, watch the regular sale prices.  Third, you must be somewhat market savvy to act quickly.   Typically, homes that see a lot of foot traffic will have several offers come in all at once.  This can make it very difficult to get a bargain because people will submit offers closer to the asking price to try to cut out the competition.  This is another important lesson to know when buying a foreclosure in Bend, Oregon.  If you can be one of the first people to view and a home and submit an offer your offer is more likely to be accepted.  Call me right away at (541) 350-8424 if you find a foreclosure you are interested and we can set up an appointment to view it that very same day.  Also, the offer must be done on bank forms if required by the bank and your real estate agent should know which forms are required and will have them attached to the offer. If you’d like more information about this, or need assistance in placing an offer on a foreclosure, please give me a call at (541) 350‐8424.

When looking into bank owned properties in Bend Oregon, remember that they are sold "As‐Is." This is a SERIOUS consideration. Due diligence should be taken on your part to fully investigate the property prior to purchase and your real estate broker should be able to explain this and double check your work.

When buying a foreclosure, know that you are going to be dealing with a bank and that they are usually not very friendly.  When and if they accept your offer, be prepared for them to deny your terms and in-turn present you with a very one-sided and unfriendly multi-paged addendum for you to sign in order to proceed with the purchase. Basically, these contracts are written by the bank’s lawyers and are only meant for the protection of the bank.  However, you cannot purchase the property without agreeing to the sometimes bogus and one-sided agreement.  This is why working with a very experienced real estate broker is important when making these transactions.

The last thing you need to know is that you must close on time. Experienced real estate brokers should be able to easily navigate you through the escrow process with the escrow officer, the lender, the selling agent, and ensure this process runs smoothly and is on time and on target to close as agreed.  Some banks have refused to extend closing dates or have applied astronomical fees for extensions.  Both of these situations should be avoided if possible.

If you need additional information on Buying a Foreclosure in Bend, OR Contact Teri Today! Simply email Teri at: This e-mail address is being protected from spambots. You need JavaScript enabled to view it or call her at (541) 350‐8424

I look forward to helping you find your dream home!

Sincerely, 

TERI GREEN

Bend Oregon Real Estate – Senior Real Estate Specialist
The Hasson Company

2010 Tour of Homes - Bend Oregon

One of Bend’s very fun and completely FREE events is the Central Oregon Builders Association Tour of Homes.  The COBA Tour of Homes is scheduled this year for July 16-18 and July 23-25 (Fridays noon – 6pm, Saturday/Sundays 10am-6pm).

 Open to the public, you are welcome to walk thru as many of the participating homes as you’d like.  Each participating home is newly constructed showcasing many of the hot new building techniques and amenities.  A great way to experience for yourself some terrific Bend Oregon Real Estate.  The Bend Bulletin provides a complimentary booklet showing detailed information and a map to each home.  Look for this booklet on July 14^th. 

Homes range from under $200K to over $2,000,000.  Each home will be judged in a variety of categories and award winners are announced on July 20^th.  As many as 75 homes have participated in previous years.  We will see what numbers 2010 brings.

 Grab your friends and check out the 2010 Tour of Homes!

 

Sign up for Teri’s free New Listing Notification Service or call Teri today with any of your real estate needs or questions!  You can also email Teri at This e-mail address is being protected from spambots. You need JavaScript enabled to view it  

Teri Green is Bend’s Senior Real Estate Specialist and will help you find great bargains on quality homes in all of Central Oregon:  Bend, Redmond, Sisters, Sunriver, Lapine and Prineville! 

To gain instant access to foreclosure bargains right when they hit the market, call Teri at 541.350.8424 or visit www.BendOregonRealEstatePLUS.com  

 I love what I do and work diligently on behalf of my clients. It would be my honor to apply my diligence, knowledge and experience to your real estate needs. We will both enjoy the results!

 Sincerely, 

TERI GREEN

Bend Oregon Real Estate – Senior Real Estate Specialist
The Hasson Company
541.350.8424

Bend Oregon Real Estate Market Trends

If you’re a buyer interested in Bend Oregon real estate, these are GREAT days!  Mortgage rates are terrific…Prices are hitting bottom…doesn’t get better than this!  There hasn’t been a better time to buy real estate in Central Oregon in a long time.  You'll find great bargains on quality homes in all of Central Oregon:  Bend, Redmond, Sisters, Sunriver, LaPine and Prineville!

If you’re thinking of buying a home in the Bend Oregon area, you should sign up for Teri’s free New Listing Notification Service or call or email today!  Teri Green is a Senior Real Estate specialist and sells quality homes in Bend, Redmond, Sisters, Sunriver, La Pine and Prineville, Oregon.

Let me elaborate on our Central Oregon real estate market trends:  There are 1,985 residential properties listed for sale in the MLS for the Central Oregon Area at this time.  This leaves us with 7.5 months of inventory.   Last year at this time, we had 2,645 residential properties listed for sale in the MLS for the Central Oregon area with 12.0 months of inventory to work through.  Why is this important to look at?  Our real estate market has clearly been defined as a buyer’s market since our real estate values peaked in May of 2005.  Since that time, property prices have continued to reduce.  Anytime a months of inventory goes under 6 months, the market will most likely be defined as a seller’s market.  Meaning property prices are starting to go back UP and the seller is more in charge of the selling price of their property.  There can be more bidding wars, multiple offers, listing prices increase as a home remains on the market.  That has not been our experience recently in Central Oregon or in the nation!  With our current months of inventory dropping this year from 11.0 months in January to 7.5 in April, those properties that are listed very competitively are actually experiencing multiple bids and some bidding wars!  Wow!  But, for those overpriced properties NOT priced competitively, they sit…offer-less and often showing-less (if you will). 

It seems we are approaching some improvement if you consider the movement of real estate an improvement.  Since I’m a real estate broker for The Hasson Company, I’m anxious to see real estate properties MOVE.  Not only for me, but for Bend’s economic-well-being.  It seems that when real estate is healthy, other industries are also enjoying the good health (employment, restaurant sales, car sales, vacation spending, etc.) 

One impacting factor locally however is our total of New Notices of Default.  During “normal “ times, Deschutes County might experience 300 New Notices of Default in a given year.  So far this year we have seen 1,437.  Again I say, WOW!  Although I see “signs” of Central Oregon’s general economy improving or changing slightly, until the real estate market stabilizes this New Notices of Default total and reduces this supply to maybe 500 a year, I don’t see our economic pressures  letting up for our employed, our employers or our unemployed residents.  The good news is that we ARE heading in that direction!

There are many ways to interpret our local market trends.  In my world, these are the signs I watch and these are my interpretations.   I’m always being asked, “When do you think home values will return?”  And, “Do you think we have hit the bottom yet?”  If you were to look at our home values in a graph form, you will see the huge dropping of values from May of 2007 to now.  I believe the general Bend real estate market is “hitting” bottom currently.  But I also believe we will continue to bounce in this bottom range until we stabilize our New Notices of Default totals.  This could take one year, two years or more.  If we had a crystal ball, this recession, this economy, etc. would be much easier to tolerate and decisions would be much easier to make.  But, we don’t.  I will just say that if I had to give an opinion, it is my humble opinion that after we work thru the New Notices of Default totals and stabilize that issue, property values will inch up but not quickly…maybe at a rate of 3-4% a year.  Now does this mean your listed home will increase at that rate?  That depends… is your home listed at a competitive and current price?  Are you getting multiple showings?  Are you processing offers?  If not, you must lower your perceived value to a correct & current value and that would be your starting point.  Ouch.  (I know, I’m sorry)

Are there positive signs?  Yes, I see more hiring going on.  I see more building taking place.  I see more real estate being purchased and I see bidding wars for competitively priced homes.  All signs that we WANT to see.  We want to see employment and money in our pockets to spend or save providing security.  If you’re a buyer, these are GREAT days!  Terrific interest rates…it doesn’t get better than this!  There hasn’t been a better time to buy real estate in Central Oregon in a long time.  Great bargains on quality homes in all of Central Oregon.

I hope you found this information helpful to your understanding of our current market conditions.

If you’re thinking of buying a home in Bend, Redmond, Sisters, Sunriver, LaPine or Prineville, you should sign up for Teri’s free New Listing Notification Service or call or email today!  Teri Green is a Senior Real Estate specialist and sells quality homes in all of Central Oregon including Bend, Redmond, Sisters, Sunriver, LaPine and Prineville, Oregon.

For foreclosure information, Call Teri at (541) 350-8424 or visit  www.bendoregonrealestateplus.com

If you have questions about Bend or Bend real estate , Call Teri at (541) 350-8424 or EMAIL at This e-mail address is being protected from spambots. You need JavaScript enabled to view it  . 

Or, you can  use our  FREE MLS Search to search for local real estate. 

Sincerely,

Teri Green
Bend Oregon Real Estate - Senior Real Estate Specialist
The Hasson Company
(541) 350-8434
www.BendOregonRealEstatePlus.com

Short Selling vs Foreclosure

 

As you can imagine in these times many Bend Oregon Real Estate owners have questions about these two ugly options.  It is my goal to shed some light on the consequences and the processes involved in the short sale and the foreclosure. 

First of all, what is a short sale?  A short sale is a home sale where the selling price and value are less than the amount the homeowner owes the lender.  A short sale involves missed mortgage payments by the homeowner.  To short sell, the homeowner AND the lender must approve the sales agreement and terms.  The lender may retain the right to come after the homeowner for the deficit.  The homeowner will face about a 200 point credit score hit that remains for 2 years and this documentation will remain on his credit record for 10 years however, it is not frowned upon as negatively as a foreclosure. 

What is a foreclosure?  This is where the owner of a home has stopped making mortgage payments and the home has been sold by the lender.  The owner will face about a 200 credit score hit that remains for 5 years and this documentation will remain on his credit record for 10 years. Future loan applications will ask if you have ever foreclosed on a home. 

Next, we should clarify some details.  With each purchase in Oregon there are two involved documents:  1) the Deed, and 2) the Promissory Note.  These documents are part of your closing documentation at purchase.  Basically at closing you promise to repay the loan (Promissory Note) and if you do not, the lender will retain the deed and possession of the home. 

When people short sell their home, their lender must agree to release the deed/possession of the home to the new buyer.  The lender does NOT have to release the promissory note meaning that the lender would be maintaining the right to come after those funds sometime in the next 6 years.  Do not agree to a short sale without proof of the lender’s release of both the deed AND the promissory note.  Otherwise they can come after you for the deficit. 

There are a couple things to consider before comparing these two.  First, is this your primary residence or an investment property?  Second, do you have one loan or more?  Third, who is your loan(s) with and how much is the shortage? 

Is this your primary residence or an investment property?  This is important for tax reasons.  In a short sale situation, the lender may issue a 1099 for the deficit.  If this is your primary residence, there will be no taxes due for this 1099-ed amount.  If it is an investment property, you should discuss tax consequences with your financial advisor.  There are two ways to handle this in order to lessen your tax consequences.  It is possible that with the high property value assigned by the county and the low current values, your accountant will be able to avoid taxes for you on this deficit. 

Do you have one loan or more?  This is important to understand because it complicates a successful short sale process.  An offer comes in, the seller agrees, all documents are submitted to the lender for their consideration.  If there are two lenders, documents must be submitted to both lenders.  The lenders must agree to payoff amounts.  Often the first and the second can not come to terms thus killing the deal.  Often buyers can not endure the extra time that having a second lender involved requires thus killing the deal.  

Who is your loan with?  It has been my experience that some lenders are consistently NOT releasing promissory note obligations.  They are retaining the right to come after their short homeowners for the deficit amount.  They have 6 years to do so. 

If your loan is with one of the other lenders, this could be good for you.  Some lenders ARE releasing their right to pursue for the deficit and will provide this in writing prior to close of escrow. 

How much is the shortage?  Obviously a larger shortage is a more difficult pill for the lender to swallow thus complicating the possibility of a successful short sale. 

Let’s say you have decided to short sale your home.  What would that process mean for you?

 

1.  List your home for sale with a real estate agent who will publicize using the MLS.
2.  A sign goes up in your yard.
3.  A lockbox on your door.
4.  Your home is published on the internet MLS. 
5.  Buyers will want to see the home accompanied by their agent.
6.  Offers will hopefully come in.
7.  A large packet of your financial information and your accepted offer are submitted to the lender.
8.  45 days to 3 months later, your lender’s negotiator will respond IF your buyer has not backed out.
9.  An appraisal and Broker Price Opinions (BPOs) are performed and presented to the negotiator.
10.  The lender could take 3 more months to finalize a decision as to how much they will let the house go for.
11.  They may ask you to contribute money toward this sale.
12.  They may not release your promissory note.
13.  They may counter your buyers offer.
14.  The sale could close or you could kill the deal refusing to contribute or your buyers could kill the deal by rejecting the lender’s counter offer.
15.  Hopefully you successfully short sell but you could still proceed to foreclosure even after all your efforts. 

If you have a renter, they would need to agree to the lockbox, the MLS and to the  inconvenience of agents showing their residence to potential buyers giving a maximum of 24 hours notice. 

It is not illegal to continue to collect rent from your renter even though you are not using that rent to pay the mortgage.

 

Let’s say you decide to foreclose on your home.  What would that process mean for you?

 

1. You quit making mortgage payments.
2. You receive calls from your lender asking when you can pay.
3. You receive notification of the foreclosure date.
4. Once the home has been foreclosed on, the occupant will be notified that you/they have 90 days to vacate.  The occupant will be given 10 days to decide if they want to move out quickly and receive "Cash for Keys" or if you/they want to occupy the property for the full 90 days following this notification of foreclosure.
5. If you have a renter, you will need to let them know you are in the foreclosure process.
6. You may continue to collect rent while the property is in your name. 
 

If you are planning on foreclosing it is not necessary to continue to pay the property taxes.  The property taxes are a liability of the property and not you personally so you do not need to pay them – they will be paid by the lender or eventual buyer. 

Note to Bend Oregon real estate owners:  This is only the tip of the iceberg but I found this information to be helpful to many who are weighing the pros and cons of each. 

I can’t imagine reading the above information and not having questions.  Please feel free to contact me with any and all of your questions. You may email me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .   It is always my honor to assist with your Bend Oregon Real Estate needs.

Teri Green
Bend Oregon Real Estate - Senior Real Estate Specialist
The Hasson Company
(541) 350-8434
www.BendOregonRealEstatePlus.com

Have you heard about the "Neighborhood Stabilization Program" coming soon for Bend Oregon Real Estate Buyers?

The Neighborhood Stabilization Program is bringing Federal money to Deschutes, Crook and Jefferson Counties to help reestablish neighborhoods hit hard by foreclosures.  That definitely describes Deschutes County!  This is Home Buying help!  There is money available to residents who apply and qualify.  To qualify, area applicants must earn less than $75,000 for a family of four.  Families can apply for the funds and use them for a down payment on a bank-owned, foreclosed property.  The down payment can be up to 20%  of the purchase price of the home, with a maximum of $35,000.

So let's say you purchased a home for $175,000 in Bend and put $35,000 down.  If taxes were around $2,400 and your insurance was about $600 per year, your mortgage payment could be around $1,000 per month.  That could possibly be do-able for a family of four if they were not burdened with other debts.

 "The availability of these dollars allows families to establish themselves as permanent members of our community," said Bend Affordable Housing Manager Jim Long."  "This is going to help us get a lot of people into homes and also help us to clean up neighborhoods that are full of empty homes." said city councilor Mark Capell.  "It's going to be a very positive program for the community."

 If you or someone you know might qualify for this program, give me a call.  I'd be happy to help you find a great home and steer you in the right direction to apply for this terrific Home Buying help!  This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Teri Green
Bend Oregon Real Estate - Senior Real Estate Specialist
The Hasson Company
(541) 350-8434
www.BendOregonRealEstatePlus.com