Oregon houses : Get a quote now.

For your Oregon houses, would you prefer an interest only loan, which doesn’t pay any principal, or a traditional loan that pays both interest and part of the principal each month? The difference is usually determined by the rate of equity appreciation in your neighborhood as well as the percentage of investors versus the percentage of homeowners in your area. If the equity appreciation has traditionally remained strong in your neighborhood, or at least not negative, then an interest only loan might be worth considering. This will allow you to buy a better house for the same payment. If the percentage of homeowners versus investors is high in your area, then there is a strong likelihood that homes will not decrease in value, so again an interest only loan may be worth consideration. However, if the percentage of investors is high, for example over 10% of new homes are bought by investors, then you probably would not want to refinance with an interest only loan.

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