Questions for Prospective Homeowners

  • Are you ready to buy? Owning your own home is about more than just being able to decorate any way you like; it’s about being prepared to maintain your home over the years, realizing that part of your income and time will go towards repairs and maintenance. It’s about being willing to take the risks of home ownership with a realistic expectation of the rewards.


  • How much can you afford? It can be discouraging to find that your salary won’t stretch as far as the home you want to own. However, sacrificing a huge part of your income just to pay the mortgage can very quickly make home ownership a burden rather than a point of pride. It’s better to buy a modest home now and look at purchasing your “dream home” in a few years.


  • What is your debt-to-income ratio? This is something that lenders take very seriously. Your overall debt should not be more than 40% of your income, and your housing debt should not be more than 32%. What 32% of your income will buy depends on where you want to live. In rural or downtrodden areas for example, it can buy a very comfortable residence and ample acreage. In highly sought-after urban areas however, it may not even buy a 400 square foot bachelor suite.


  • What do you want? Do you like the idea of cleaning your own gutters? Do you shudder at the thought of lawn care? Would you rather just pay a fee every month and have everything done for you? Would obeying rules about when you can have your garbage cans out bother you, or do you want to live in a neighborhood where everything is ‘just so’? The answers to these questions can help you narrow down the search for the right type of property for you.

Buyers’ Representation

As your Buyer’s Representative, we can make the process of house hunting much easier and more efficient than if you did it all yourself. We can help you get financing, guide you to local neighborhoods, help you determine your budget, and prioritize a list of essential features that you need in your next home. We’ll save you valuable time by finding the properties that best suit your requirements, and will show you only the most promising ones.

Once you’ve found a place that catches your eye, we’ll look at comparable properties in the area to help determine a purchase offer. Then we’ll negotiate on your behalf with the seller to make sure you get the most favorable terms.

It’s our job to look after your best interests, and we will do so at no cost to you as a buyer.

If you’re ready to start house hunting, you can use our LISTINGS. to find available homes. To start working with an agent right away, please contact us.

Sellers’ Representation

Selling a house on your own can be an overwhelming task. There’s advertising to plan and budget for, open houses and private showings to arrange, purchase offers to negotiate, contract contingencies to worry about, and complicated paperwork to fill out. Make it easy on yourself by putting your home in the hands of seasoned professionals. We have extensive experience marketing properties and showing them to their best advantage.

First, we’ll perform a comparable market analysis to determine the most appropriate price for your home. Then we’ll provide home staging advice and suggest landscaping changes that will help draw buyers in. We’ll advertise your home through a variety of methods, including local publications and online MLS listings. We may even showcase your home as part of our site’s featured LISTINGS.

When it comes to negotiating a purchase offer, we’ll make sure that you get the best price the market will allow. We’ll help you understand contract contingencies and details of the closing process, in addition to handling all the paperwork for you. Essentially, we’re here to represent you throughout the entire selling process, and to make sure that your real estate transaction is a positive and profitable experience.

Contact us today to get connected with a Seller’s Agent.

Meet Tony Ngo, PDX Realtor

With a sincere desire to help others achieve their goals and dreams in real estate, Tony Ngo applies his energy, work ethics, integrity and creativity to every detail of his real estate transactions. Tony joined the industry in 2006 and has since built a successful career in Washington and Oregon. As a result-oriented professional, Tony has the ability to balance aggressive strategies, market knowledge, and negotiating expertise to attain the best terms and conditions for his clients. Due to a proven reputable track record of success, Tony is an active member of PMAR Masters Circle, an association that recognizes individual’s hard work, dedication, motivation, and accomplishments in the business.

Tony is a family man with a devotion to his wonderful wife and energetic son. Tony’s passion for the outdoors is unmistakable with his brief getaways to snowboard at Mt. Hood Meadows Ski Resort, exploring and hiking the different Oregon trails, and mini vacations at the Oregon Coast. If he’s not in his office, you can find him at one of those locations!

Tony has been trained and inspired by some of the best brokers and companies in the Portland Metro area. As a founding board member of AREAA Chapter in Portland, Tony works to promote homeownership opportunities in Asian American communities statewide. He continually works to build strong relationships with other realtors, as well as banks and lending institutions to ensure his clients obtain the best offers. Tony uses his experience and intuition to foresee and proactively address potential concerns before becoming problems. He is committed to his clients and dedicated to his work; therefore, you can always count on Tony to initiate and maintain communication in every detail of the transaction, from the first phone call all the way to close. With an excellent reputation in the industry, Tony is devoted to help you fulfill all your real estate needs.

Tony Ngo | Portland REALTORS®
Trusted Real Estate Adviser
Portland Luxe International Group
Real Estate Performance Group & Realty Edge
8800 SE Sunnyside Road, Suite 314-S
Clackamas, Oregon 97015
(503) 281-8288 

Are you looking to

buy or sell your home?

We can help.

Portland Luxe International Group

My name is Tony Ngo, owner of Portland Luxe International Group. I have over 12 years of real estate experience in Washington and Oregon with principal brokers Real Estate Performance Group (REPG) and Realty Edge. While on a trip to the United Arab Emirates, I was licensed as a certified International Property Consultant – Dubai. I can sell real estate in Dubai as well as OR + WA!


OR – 200604339 (REPG)
WA – 96590 (Realty Edge)

Contact Agent

avatar portland realtor
Real Estate Adviser

Tony Ngo


  • 503-281-8288
  • 8800 SE Sunnyside Road, Suite 314-S, Clackamas, OR 97015


© 2019 Portland Luxe International Group | Tony Ngo. All rights reserved.