damn, when you lie in the subject, it's hard to be sincere about the post. because i am also asking my realtor and my favorite mortgage broker. so you're not precisely my only hope or even my best hope. BUT! you are my most unbiased hope! love you long time?
i'm horny for this house. i want to buy it. it's expensive. yeah, i qualify for the mortgage no problem, and i'm gonna have roommates so i'll actually be able to afford the payments without resorting to 30 years of ramen. here's the dilemma:
my realtor found me the house, and hey, she's my boss's wife. so, yeah, gonna stick with her because i don't wanna be on the boss's bad side with a new mortgage. she and i don't communicate awesomely (but she found me the house, which my other realtor didn't so much, in 3 months). what i have trouble asking her is stuff like "what do you recommend for financing? options x y and z seem good, what is the difference? how can i restructure my income tax withholding to make that less painful?"
taking that as given, i need external advice. i qualify for a dizzying array of possible tax credits and government subsidies, and obsqurity
put the bug in my ear that i might want to screw with my income tax withholding to help my month-to-month be smoother. at this point, i need someone who understands taxes and oregon real estate to untangle this mess. i sat down to do the math, because numbers aren't scary, but tax law is--and worse, it's unexpected--i could be blindsided by something i haven't even heard of, and i'm afraid my realtor will be too. and she can say "sorry" but i'm stuck holding the bag.
several of my mortgage brokers have advice for me, but of course, they have a personal interest in what i do. so their advice is interesting but perhaps not useful.
so i want a professional to help me figure out which option to take on financing, and tell me how to handle taxes so i end up not paying both an arm and a leg every month. and it needs to be someone local, i have a feeling, who understands the oregon situation (bond versus Mortgage Credit certificate) versus that whole obama stimulus situation versus FHA, and closing costs, and OMG BBQ (i'll save the WTF for the first time the toilet breaks).
are you that person, or do you know them? i suspect i want a CPA or tax guru who knows something in particular about real estate. i'm not complicated--i have one job and no debt and i want a specific house at a specific price point. it's the laws, rules, conventions, etc, that are beyond me. i'm willing to pay top dollar now so that i'm not for the next 30 years.