There’s nothing better than a beautiful Pacific Northwest summer. The days are longer, the sun is out, and people are outside enjoying the beautiful scenery that we have near us. Potential home buyers are also out and about looking at homes for sale, which makes it a great time to list and sell your home. Wondering how to get your house ready to sell this summer and what you need to do? Here are some helpful tips that will help sell your house and help it stand out from the competition.
#1: Update, update, update.
How old is your roof? What about your HVAC system, water heater, or your various kitchen appliances? If major household items are old, inefficient, or need repair, a savvy buyer will recognize this. For example, if your roof is more than 20 years old, chances are, it will need a replacement. It’s better to get that updated before the house goes on the market, so you won’t have to worry about it during the inspection and negotiation process.
#2: Get rid of clutter.
Cluttered homes often make the space look and feel smaller to potential buyers. Start going through your home room by room and either boxing up or getting rid of unnecessary items that are cluttering the space. Designate piles for selling at a garage sale or online and a pile for garbage or donation. The bigger and more open you can make your home feel, the better! This allows people to envision their own belongings in the space and helps them see the overall functionality of each room.
#3: Fix, fix, fix.
Are there any leaky faucets, cracks in the walls, broken handles or doorknobs, or any other small areas of damage that need to be fixed? Fix them before the home goes on the market. Anything that doesn’t work perfectly should be repaired to the best of your ability – that goes for both the interior and exterior of the home.
If you’re not sure where to begin, I’m happy to walk through your home and provide some tips on what you should do first. Once you’re ready to sell your house this summer, contact me! I have more than two decades of experience as a Realtor® and can help! I love working with buyers and sellers around Clark County and am glad to help you with the information you need to start your adventure in either buying or selling a home.
What does your home look like from the outside? Curb appeal makes a big difference, especially when it comes to selling your home and enticing prospective buyers to look at it. If you don’t want to drop a lot of cash on things like expensive landscaping, there are some simple solutions that can bolster curb appeal in addition to offering a good return on investment.
#1: Paint the little things.
Painting your entire home can be expensive, so instead of investing in a whole home re-paint project, work on painting smaller things on the outside of your home, like the mailbox, the home’s trim, or porch hand rails. Potential buyers will notice the attention to detail and it can help make your space look fresh.
#2: Add a welcoming spot to the front of the home.
If your porch or patio in the front of your home is lacking a sitting area, adding some cozy chairs, a small bench with some decorative pillows, and/or a little table can create a friendly, welcoming atmosphere for people walking or driving by. Not only does that, it allows people to imagine themselves sitting there someday enjoying their new home and neighborhood.
#3: Clean up the clutter.
Garbage bins, recycling containers, tools, or kid’s toys should all be kept out of sight from the front of the house. If you’re short on space and don’t have a place to put these, try arranging some large pots of flowers or shrubs around the items so the clutter is out of the line of vision for people looking at your house.
#4: Mow and edge the lawn.
Trim hedges, mow the lawn, and weed flower beds. Overgrown yards are almost always an eyesore and can have a real negative impact on curb appeal. It won’t cost you any money to keep up on yard maintenance if you do it yourself, but the time you put in will pay off when potential buyers notice the beautiful yard.
Adding curb appeal and making your home look great on the outside can be simple and affordable. When it comes time to list your property, you’ll increase the likelihood of having more showings. Need other tips on the appearance of your home before you’re ready to put it on the market? My two decades of experience as a Realtor® can help! I love working with buyers and sellers around Clark County. I’m happy to help you start your adventure in buying or selling a home.
The market is hot, and it is a great time to be a seller in Clark County. Potential homebuyers are out and about and are ready to put down roots in a new home. Spring is usually the most popular season for buying and selling a home and here’s why.
#1: Inventory is tight, and demand remains high.
Home inventory in Clark County is still relatively low, which means that many buyers are clamoring to get in the real estate game and find the home of their dreams. This means that there is more competition out there, so buyers and sellers should be prepared for multiple offer situations, which requires patience and plenty of discussion with your experienced real estate broker.
#2: The weather is great.
Garden flowers are starting to bloom, the grass is green and inviting, and the weather is getting warmer. Not to mention, the days are getting longer, and we have more daylight to work with, so that boosts the amount of people that can see the home during the day. The springtime brings buyers out of winter hibernation and they are generally excited and more energetic when it comes to looking at homes in person, with the goal of getting settled in before the summer heat starts.
#3: Kids can remain in school.
Moving in the middle of the year is a hassle for kids and parents alike. Spring is a great time to sell because kids can finish out the school year and you’ll be able to move, register for a new school district if needed, and have everything in place before autumn starts and the new school year begins.
If you’re ready to list your home this spring, or if you’re ready to buy and want to start looking, my two decades of experience as a Realtor® can help! I love working with buyers and sellers around Clark County and am happy to help you with the information you need to start your adventure in buying or selling a home.
Considering buying or selling a home? Real estate transactions are very detailed and sometimes stressful. Each buying and selling experience is unique and working with a qualified and experienced Realtor® can help make the process go smoother, which means it will be less nerve-wracking for you! Here are some ways that working with a real estate broker will make your life easier.
#1: They can help save you money.
Working with an experienced real estate broker can help you save money because they are experienced in the negotiating process and can help you look for any potential snares or issues during the transaction that could cost you big bucks.
#2: They can help with your perspective.
Not sure what you want in your next home? Or, maybe you think you know what you want. Perhaps you know exactly what you want to get out of the home selling process, but you haven’t thought about what comes next. After listening well, your Realtor® should be able to offer a unique perspective into your specific situation and help you think of things that you might not have initially considered.
#3: They’ll go the extra mile.
The buying and selling process is a big job in and of itself, but a great Realtor® will go the extra mile for you and recommend contractors, offer tips on redesign or remodeling that could help increase the value of the home, and will help answer questions that come up along the way. A quality Realtor® will be happy to share their information and wealth of knowledge with clients to help ease any anxiety that may be there.
#4: They’ll save you time.
One of the best parts of working with a qualified real estate broker is the amount of time they’ll save you. They will prepare papers for you, do all the marketing for your property, and help prepare you for any anticipated issues that could arise. A great Realtor® is a problem solver and this translates to less stress and less wasted time for you!
#5: They become someone you can count on.
The real estate transaction process can get complicated and when it does, a good Realtor® is someone that will go to bat for you when it’s needed. You should be able to depend on them when it gets hard – whether it’s negotiating, explaining all the lingo when you don’t understand it, or working through inspection obstacles, a great Realtor® will have your back, no matter what!
I’ve been proud to work with clients of all kinds throughout my two decades of experience as a Realtor®. I love meeting and working with people to help them buy or sell a home in Clark County. Contact me today for information on what it will take to start your adventure in buying or selling a house.
Realtors have a busy job that sometimes looks different from one day to the next. In addition to staying on top of what current real estate regulations and trends are happening within their sphere of work, real estate agents have a multitude of other tasks that come with the job of helping people through the process of buying and/or selling homes. For me, these tasks are part of what makes my job fun, and the different things that transpire week after week, are what keeps things interesting and exciting. Here’s a snapshot of what my days as a realtor looks like.
#1: Driving by homes.
I know that my clients are on the hunt for the right home, so I am on the lookout for homes that could work for active buyers that are in the market for their next space to call home. Having an idea of what each client wants means that I won’t be bringing them to homes that are clearly not what they want. This saves time for all parties involved!
#2: Handle multiple emails/phone calls.
Aww, the never-ending list of inbox emails and phone messages. A lot of people can relate with this, so I make sure I spend time each day emailing and calling people that have requested assistance. Most of the time, I’m coordinating multiple details regarding showings, closings, offers with clients, escrow, lenders, and more!
#3: Coordinate details for new listings.
Considering selling a house? I work with many people that are not sure if they want to sell yet, so for these people, I work up a Comparative Market Analysis that provides information on recently sold properties in the area. These reports look at houses that are somewhat similar and give real estate professionals an idea of what price a potential client’s home could be listed for.
If you’ve just listed a house, there are a lot of little details that need to come together before it goes “live” to the public. For example, we’ll need to prep for an open house by ordering printed materials and snacks, order a sign for the yard, and put a lockbox on the listing so pictures can happen. These are just some of the things that need to happen before we can start showing the home.
#4: Go over repairs and other mid-sale to-dos.
For clients that have found a home that they’ve put an offer in on, there are often repairs that need to be requested. As a buyer’s agent, to determine a list of reasonable repairs and will advise which items are necessary and which could be left out. As a seller’s agent, I will review and recommend to the seller what the buyers requested, and which ones should be completed.
#5: Coordinate paperwork and financial details.
Once a home is ready to close, there are several pieces of paperwork and other financial details that need to be coordinated. There are often questions on specific terms within the paperwork as well as questions on when things will happen once papers are signed. Whether it’s leaving a check for the contractor at a pending sale or laying out a schedule before recording for a client who will sign out of town, I work with clients to help make the paperwork process as easy as possible.
My daily responsibilities as a real estate agent require a balance. However, with my two decades of experience and my combined love of meeting with all varieties of clients, real estate is a natural fit for me. Contact me today for information on what it will take to start your adventure in buying or selling a home.
If you’re buying a new house, you’re likely looking at the various terms on your paperwork and have noticed “mortgage insurance” on there. It’s not something that everyone is familiar with, so here is some basic info that can help answer your questions.
What is mortgage insurance?
Mortgage insurance is not a benefit to the home buyer and does not protect them against anything. Actually, it will only protect the mortgage company/bank in the event that the borrower defaults on the loan and doesn’t pay their mortgage. It is required when a borrower puts less than 20% down on the purchase or has less than 20% in equity during the refinance process on a home.
Aaron Hicks, Mortgage Consultant with Homestreet Bank shares that when a borrower is looking to get a mortgage, it can affect the loan approval process. Hicks shares, “It can increase the borrower’s monthly payment, which overall effects a borrower’s debt-to-income qualifications. Mortgage insurance companies require stricter guidelines depending on a borrower’s debt-to-income, credit score, loan to value, and type of property. Sometimes mortgage insurance companies require additional supporting documentation above what the bank may require and/or additional underwriting review.”
What kind of mortgage insurance is there?
Hicks says that there are multiple types of mortgage insurance for conventional loans. There is monthly mortgage insurance, single premium mortgage insurance, or split premium mortgage insurance. There is also lender paid mortgage insurance. For some loans, especially FHA loans, the premium will last for the life of the loan, even when your equity position gets you above the 20% mark. If the homeowner has a conventional financing method, the insurance can be removed once 20% equity in the home is reached. I can do a quick market analysis to determine if borrowers are at the 20% equity mark. The lender will require a formal appraisal to remove mortgage insurance, which costs $400-$600. So, it is a good idea to verify you’ve reached that point before ‘getting official’ with your request.
Purchasing a home is very involved and requires various steps and attention to detail. Oftentimes, questions and issues will arise, and this is one of the many reasons why it’s critical to work with an experienced Realtor. Whether it’s a question about mortgage insurance or something else entirely, I’m happy to answer your questions and will work with you to help get the answers you need. Contact me for info!
I’ve worked in the real estate industry for a long time and I enjoy getting to know people as I work to help them find the best home for their unique needs. Just like I enjoy learning more about people, many of my clients and potential clients want to learn more about me and my specific expertise when it comes to my involvement in real estate. Here, I answer some of the common questions I get about me and my experience.
Q: How long have you been in real estate and how did you get started in it?
A: I got involved in Clark County real estate in 1992 and since 1994, I’ve worked with Windermere. Before that, I worked in the high-tech industry in marketing management. After transitioning out of that role, I felt like working in real estate was a natural fit for me.
Q: How has your career background helped you with your real estate career?
A: Coming from industries in high tech, I brought experience in management, budgets, and developing complex problem solutions with ‘lots of moving parts’. All of these have been invaluable as I understand markets, help clients navigate lending and paperwork, and orchestrate all the ‘moving parts’ of every real estate transaction, whether it’s helping people move on from their current home, or helping someone find a home to buy.
Q: How has real estate evolved since you began?
A: The biggest change to Real Estate is technology. I started when we had a printed book of homes, YIKES! Thank goodness, now we have much better ways to search for homes, property information and communicate with clients and each other. Of course, coming from this industry before, I was excited to see the real estate industry evolve.
Q: What is your favorite part of your job?
A: Meeting with all varieties of clients is very gratifying. I’ve worked with artists, families, professional musicians, and higher-up company leaders. As a buyer’s agent, each client comes to me with various wish lists and I work closely with them to find what they need. When it comes to selling a home, I use my experience to price your home for a fair sale. Determining the right price from the get-go is important and it can help minimize stress for sellers listing their homes. The combination of these things is what makes the job fresh and rewarding.
Contact me today for information on what it will take to embark on your journey in buying or selling a home.
If you’ve decided to buy a home this year, you may have some questions about how your credit score will impact your purchase ability. This is a common question for many potential homebuyers, so here, I will discuss some of the primary things that you’ll need to know once you start the homebuying process.
Credit scores and credit reports will affect a borrower’s ability to purchase a home in a few different ways. Credit reports are a footprint that allow banks to review a borrower’s credit history. The information found in these reports will give them the information they need to determine the level or risk they’re taking by loaning money to this person. The higher the credit rating, the lower the risk for the bank. The lower the credit score, the higher the risk for the bank. In addition, remember that your credit score will affect the interest rate of the loan you obtain.
Here are some helpful tips on how to bolster your credit score and secure a good loan on the home of your dreams.
- Make on-time payments on all borrower accounts
- Missed or late payments will negatively affect your credit score
- Satisfy unpaid collections, judgements and tax liens (even if these are medical in nature, it’s ideal to pay them off or settle prior to purchasing a home)
- Establish a credit history by opening a credit line. We are often taught that credit cards are bad. However, they’re essential for establishing a solid credit rating to borrow future funds. The key is to keep the balance below 30% of the allowed limit, always. It’s ideal to pay the balance off each month as well.
- Minimize credit iniquities. Too many inquiries can cause credit scores to drop.
- Don’t close existing revolving trade lines if they’re in good standing. When you close a credit card you lose the on-time payment history which influences your credit rating. (1)
The specific details as to what credit scores are needed to obtain a specific home loan:
– Conventional Mortgage: credit score of 620
– FHA Mortgage: credit score of 580
– Veteran Affairs (VA) Mortgage: While the VA does not have a minimum credit score requirement, Quicken Loans requires a 620 credit score on all VA loans. (2)
The bottom line: the better your credit score, the easier it will be to get a loan for your home. Contact me today for information on what it will take to embark on your journey in buying or selling a home.
- Information courtesy of: Aaron Hicks, Mortgage Consultant with Homestreet Bank
- Information courtesy of: Jevon Domench of Academy Mortgage Corporation
Wintertime in the Pacific Northwest is often cold and wet, but this year, we’ve had a comparatively mild winter and many folks are considering heading outside to explore the area they live in. Winter retreats or getaways are a great way to get away from the hustle and bustle of regular life and get caught up on some necessary rest and relaxation. Here are some of my go-to places in the Pacific Northwest that help me recharge!
This area has beautiful views of the water and lots of fun things to do. It’s full of amazing hiking and walking trails that offer breathtaking views of the Columbia River Gorge. There are also several wineries and vineyards that are fun to explore, as well as some great dining spots. There are a variety of vacation rental homes available or stay at one of the several in-town hotels, such as the historic Hood River Hotel. No matter what you do here, you’ll be surrounded by quintessential Pacific Northwest stunning scenery.
This is another great place to unwind. It’s only a short drive from Clark County and the lodge is surrounded by forest greenery and overlooks the Columbia River Gorge. The lodge is known for their outstanding weekend brunch – it’s one that you won’t want to miss! Many of the rooms have fireplaces, so if a book and a cozy blanket by the fire sounds nice for your retreat, you’re in luck. Or, venture out to one of the nearby walking trails or take a short drive to Multnomah Falls to walk around.
If escaping to the ocean is one of the ways you can best relax, you’re in luck with many different beach options. Rockaway Beach, Long Beach, Ocean Shores, Seaside, or Cannon Beach are all great options when it comes to a winter retreat. Wintertime at the beach can sometimes be rainy and stormy, but the smell of the ocean air is invigorating, no matter what. Stay inside and read or watch some of your favorite movies if the weather is stormy, and when the weather settles down for a bit, head out for a beach walk and some famous coast clam chowder.
Of course, if you need a retreat but your budget doesn’t allow for any overnight getaways, there are great ways to relax in the comfort of your own home. Unplug your laptop and your phone for a day or two and recharge without any electronics. Focus on doing some things that you love doing locally, even if it’s just sitting at home with your favorite warm beverage and catching up on reading your newspaper or watching some of your favorite shows.
No matter how you decide to take a break from the stresses of every day life, setting time aside for yourself to recharge is important and a winter retreat will do great things for your soul, body, and mind!
This is the story of a family of four: Dad works in Portland, Mom works in Camas, and their two kids are in elementary and middle school. This family had lived in their 1966 home for 14 years and were ready for a change— they wanted more space, new features, and a change of schools. But like many of us, they had to sell to buy, even though their equity position was a good one. With the tight market of 2017 (predicted to be the same in 2018), they knew they might not be able to “step across” from one home to the other.
Their first job was to get their current house ready to put on the market. This included yard cleanup, carpet stretching, some minor paint touchup, and some other small things. These to-do items were not expensive, but they were important to make the home look “crisper” and more appealing to a buyer. In working with me on home value, we discovered the previous listing had overstated the square footage by several hundred square feet. We knew the real square footage from a more recent refinance appraisal, so we used that to determine value. Checking this is an important part of the buying process!
In mid-May, we launched the home on the market and had lots of showings with five offers in just a few days. This can be quite overwhelming. With my help, we dealt with all the complexity of evaluating these offers and selected one to accept. Meanwhile, another buyer who just missed out, decided to write a backup offer just in case something happened with the first accepted buyer.
Now, came time for the home inspection. The inspector said there were “sink holes” in the crawlspace! So, the buyer backed out. Now what? Something as serious as this needed to be investigated. We just don’t have “sink holes” in Clark County, so we believed there was another explanation. Turns out, when this house was built in the mid-60’s several large trees were cut down and the stumps were not removed. As they rotted over time, what was left was a hole – one particularly large one even had the trenches from large roots. We worked with the backup buyer who understand the issue, got the holes filled in with gravel, and then we closed in late June.
Next came the question of where to move. Nothing had turned up in the target location for the next home, so these folks signed up for the adventure of moving temporarily into a rental. They did this once we were through home inspection with the backup buyer, so they would have time to overlap and move over several weeks. There are several places around town that will do leases shorter than a year. Although the rental was smaller, they used the garage for storage of their many boxes. Now, finding the new house became our top priority.
It took a couple of months and we looked at many properties as they came onto the market. Eventually we found one, got our offer accepted and negotiated home inspection items including unpermitted square footage. The happy ending is that this family moved into their new place by the end of September, just in time for school to start and before the holidays!
Hopefully you will find this a positive story. Yes, it took commitment on their part to go through the ups and downs of buying, selling, and moving into the rental, but in the end, this family is “living the dream” and everyone is excited about their new future in their new home.
Thank you to these special clients for letting me share their story! Where does your new home story begin? Contact me today for information on what it will take to embark on your journey in buying or selling a home.