Wednesday, December 22, 2010

New Medical High School in Vancouver, Washington

If you are looking for a Real Estate Opportunity in SW Washington, this may be the time and place to look TODAY!!!...This is a very exciting project coming on line for the Vancouver/Evergreen School district and the Medical Center that it is attached to...call, text, Email, tweet, facebook me today for a list of homes that may work for you, your family or your investment opportunity.

Evergreen school district’s $23.7 million magnet Health and BioScience High School

Tuesday, December 21, 2010

2010 Census Data - 2010 Census

The 2010 Census results are available for review...Where does your State Rank...here in the State of Washington we picked up one new Representative spot in the House.  We are ranked #27 in density in the Country...



2010 Census Data - 2010 Census

Friday, December 17, 2010

A Short Sale is not for Everyone..

There is more liability that you would think when talking about a Short Sale...Why do you think you want a Short Sale?  Are you not able to pay for your home, is it social pressure?  Are you going to sell your car, clothes, furniture, appliances, everything else that is not currently worth what you paid for it?  What value are you giving your home?  I enjoy living where I live, having friend and family come by, my dog in the yard...there is so much more value in my home then what I paid for it...I hope that you feel the same.  This Holiday Season, give yourself the gift of loving where you are, if you can still afford to be there...My heart goes out to those who can no longer afford the home that they live in with their families..

Here is an article for you to read regarding additional liablity in the Short Sale decision...


Considering a short sale? The state (Washington) has some tips

Washington regulators have put out new advice for the increasing number of people looking to get out from under mortgages larger than the value of their homes.

"Recent economic challenges have resulted in many homeowners needing to sell their home but owing more on their home than the home is worth," the state departments of Financial Institutions and Licensing noted in the advisory.



In a report released Monday, CoreLogic said nearly 14 percent of mortgages in King and Snohomish counties were larger than the value of the properties in the third quarter. Looking at King, Snohomish and Pierce counties, Seattle-based real estate website Zillow found that share to be 23.2 percent in the third quarter.

In a short sale, lenders accept less than they're owed because the home is worth less than the mortgage and the borrower doesn't have the money to make up the difference.

"In some cases however, the lender's approval of a short sale does not necessarily mean the lender relieves the seller of liability for repayment of the entire debt," regulators noted. "It is possible the seller can sell the home and still owe the unpaid difference, plus interest and penalties, to the lender."

Also, regulators noted: "Simply 'walking away' from the property through foreclosure also does not necessarily relieve a seller of these debts."

That's because, when a first lender forecloses, the holder of a second mortgage can still go after the borrower.

So, if you are looking at a short sale, make sure you know the liens on your house and what would happen to them in such a sale. Also, know that debt forgiven in a short sale may be treated as taxable income. And a short sale and missed payments can harm your credit rating.

The best advice is to hire a lawyer, tax consultant and qualified real estate agent with experience in short sales.

The federal Home Affordable Foreclosure Alternative program includes incentives for short sales but has stringent criteria, the state agencies noted.

Lenders also may modify mortgages rather than foreclosing or going through with a short sale, or allow the homeowner to simply over the property in lieu of foreclosure.

But look out for fraudsters promising to help with such deals or otherwise prevent foreclosure.

The U.S. Department of Housing and Urban Development has good advice on this, including a list of counselors it has approved

Thursday, December 9, 2010

Something to do NOW if you want to buy in 2011..

There are lots of purchases that are highly prone to impulse buying: shoes on sale, puppies at the pound, we can all find something, especially since we are all out looking to spend..


 
But houses? Not so much. Savvy, regret-free homebuying can take weeks or months of financial and lifestyle research and planning. If you want 2011 to be the year you become a homeowner, here are 5 things you should be doing, as we speak.



1. Minimize your holiday spending and save your cash. Instead of using the holiday sales to acquire a new winter wardrobe of cashmere sweaters, hold the discretionary spending down so you can give yourself the gift of homeownership! If you are serious about buying a home next year, don't run up additional credit card debt on gifts this year. Instead, make homemade cards or write holiday letters this year for everyone except the kiddos. And even for the kids, consider scaling back on the stuff, spending more of your time with them than your money, and getting started now saving toward your home purchase. (I don't think too many folks would argue that a less materialistic holiday season would hurt anyone, at any age.)



Kickstart your 2011 homebuying resolution by starting a "Home" savings account at an high-interest, online bank (the discipline-boosting goal is a bank that isn't super easy to transfer funds out of when you run low on cash), and set up an automatic deposit into it every payday. To get specific about your savings goal, if you're cash-flush, obviously a 20% down payment will get you top notch interest rates and provide you with the maximum ability to manage your monthly payments. If you're going to be more of a bootstrapping buyer, an FHA loan might be right up your alley - they offer a down payment of 3.5% of the purchase price.



All buyers should plan to have at least 3 percent of the purchase price saved up for closing costs, even if you want the seller to chip in. The lower-priced the home you want to buy, the more percentage points you should be willing to chip in for closing costs. It's easy for closing costs on an $150,000 FHA loan to run as high as $4,000 or more, considering transfer taxes, inspections, appraisals and mortgage insurance fees. So, even the scrappiest buyer should have a savings target somewhere around 6.5% of their target home's price. To buy a $200,000 home, for example, that would mean a savings target of $13,000.

Local real estate and mortgage pros can help you clarify realistic "cash to close" expectations and savings targets for your area

Thank you Trulia...

Wednesday, December 8, 2010

The gift that keeps on giving...

2011 park and boat launch passes make great holiday gifts


Vancouver, WA – Are you still looking for a great holiday gift for an outdoor enthusiast? Vancouver-Clark Parks and Recreation’s annual parking pass may be just the thing.



The $40 pass is good for unlimited access to four of Clark County’s most popular regional parks and two boat launches Jan. 1-Dec. 31, 2011. Passes can be purchased at the following locations (cash only):

• Marshall Community Center, 1009 E. McLoughlin Blvd., Vancouver, (360) 487-7100

• Firstenburg Community Center, 700 NE 136th Ave., Vancouver, (360) 487-7001

• Battle Ground Community Center, 912 E. Main St., Battle Ground, (360) 342-5380



“The annual parking pass will pay for itself even if you only use it twice a month,” said Pete Mayer, Vancouver-Clark Parks and Recreation Director. “For our regular park and boat launch visitors, the savings can be quite significant.”



The annual pass may be used at the following county-owned parks and boat launches:

• Vancouver Lake Park

• Frenchman’s Bar Park

• Lewisville Park

• Salmon Creek Park/Klineline Pond

• Daybreak Boat Launch on the East Fork Lewis River

• Haapa Boat Launch on the North Fork Lewis River



For the frequent visitor, an annual parking pass is an economical alternative to the daily parking fee charged at these parks and boat launches ($2 for motorcycles, $3 for cars, $6 for cars with trailers and $8 for buses and some RVs). The parking fees help pay for maintenance and operations.



For more information, visit www.vanclarkparks-rec.org.

Sunday, December 5, 2010

Client Appreciation Breakfast w/Santa

Yesterday, Dec. 4th, was Realty Pro’s Breakfast with Santa and Holiday Arts & Crafts Festival.  It was a wonderful day for the brokers of Realty Pro to visit with their clients.  The children made crafts for themselves and also for 2 charities in our community, benefitting foster children and senior citizens.  When I spoke about this event with friends and family, they were very impressed that this event, along with 2 others in the calendar year, are sponsored by my brokerage firm.  It is a joyful feeling to be a part of a company that is so giving, showing a genuine concern for people and our community.  As I have said before, this spirit of giving is what makes Vancouver and Clark County a great place to live!

Friday, December 3, 2010

Employment Summary and Part Time Workers, Unemployed over 26 Weeks


Chart from 1946
This is a great article to link to...


Employment Summary and Part Time Workers, Unemployed over 26 Weeks

50 Plus in "The Couve"



If you are 50 Plus and living in Vancouver, Washington this is a great resource for you.  Click on the Link for the December Catalog.

.http://www.cityofvancouver.us/seniormessenger.asp?issueID=79085

Mortgage rates continue upward climb | Inman News

                                        
                       Mortgage rates continue upward climb | Inman News

A half of a percent on a $100,000 Loan can be as much as $160 dollars per month in your payment...with Interest Rates still low and the cost of housing still low, maybe today is the day to begin your search for a Home For The Holidays...

Thursday, December 2, 2010

Home For The Holidays...


Home For The Holidays

Like many of us you are probably in the midst of making over your home in festive boughs and lights in anticipation of celebrating the holidays with your family. Whether you already have the tree up or candles ready or still in the middle of the tubs and boxes, you may know a family who’s thinking about making the leap to home ownership in 2011.Terry Eccles-Pettet and I are giving up a prime shopping day on December 9th to help families make a plan to buy a home. We have put together a team of experts to help explore the pitfalls and strategies of buying a home in today’s market. The housing market and the financial crunch everyone is feeling has created a need for home buyers to really have their “ducks in a row” well before they start looking. So if you know of a family who is currently renting a home or apartment and really deserve an opportunity to plan for a better future with a home of their own to decorate – have them call me to reserve a place at this special event. December 9th, 6:30-8:00pm at the Cascade Park Library. And next year maybe they will truly be Home for the Holidays! 360-721-2603

Thursday, November 11, 2010

Cranberry Sauce for the Holidays..

My family has enjoyed this cranberry sauce recipe over the years..


Title: Cranberry Sauce
Cranberry Orange Sauce

Ingredients:

1 Cup Water/with Fresh Orange juice
1 Cup Sugar
1 12 Oz., package Cranberries, rinsed and drained
orange peel-grated from one orange/cut in half and
juice and add to water.
Chopped nuts..I like pecan



Directions:

Grate Orange and extract Juice into measuring cup.
Combine water, orange juice, sugar in a medium
sauce pan. Bring to a boil, add cranberries, return
to boil. Reduce heat and boil gently for 10 minutes
stirring occasionally. Stir in grated orange peel and nuts.

Cover and cool..
you could also use this as a project and place in
jars for gifts..

Number Of Servings:dinner
Preparation Time:10 min...

Cleaning your fireplace with Used Coffee Grounds

Got a fireplace that actually burns things up? If there's a significant amount of ashes to clean out, you can cut down on the mouth-covering and coughing with used coffee grounds, which mix with the ashes into an easy-to-clean whole.




The tip comes from Networx, which claims that the weight and slight dampness of coffee grounds, when sprinkled around a fireplace bottom, makes ashes less likely to fly and easier to clean out. We found the coffee grounds/ash connection in a few other places online, too—along with a number of suggestions on making your own long-burning logs out of coffee grounds, so it seems worth at least a try.

Wednesday, November 10, 2010

Most Voters Favor Investigation of Health Care Law’s Potential Impact

Most Voters Favor Investigation of Health Care Law’s Potential Impact

One Man's journey into homeownership...

We all have our reasons why me make this decision or another.  We have hopes and dreams that one day we will have the "American Dream".  This Dream is different in every heart and mind.  I truely think that most of us have the Dream of our own space.  Even as a child most of us wanted our "Own" room, to decorate and have as "Our" space.  As we grow this space grows with us and we want our "Own" home.  This is one Man's thought.
The dream lives

He had always messed around with home projects as a kid. Homes we’re like chests of small treasures to sift through.

Homes were interesting.
As a young adult, he and his circle of friends were renters. They lived in a world of thinly spread white paint, exposed water heaters and cheap stoves. Houses with gardens into which personalities were never turned.
Then he bought a home. In a modest neighborhood.  And a funny thing happened.

All of his buddies started hanging out at his place. It became the center of their social world. Because it was his. Because he took the time to paint the walls with the things of his life. Because the yard became something he cared about.

Because, whatever rate, whatever price, whatever prospects for appreciation – this was a home, a place where he (and, in time, a wife and daughter) would live, love, and take shelter.

They would care for it as an extension of themselves.
 
 
We see ourselves in our environment...Where do you see yourself?

Friday, November 5, 2010

A House is First a Home..

These new numbers came out of the National Association of Realtors Convention this AM.  These latest figures show that it will take over 10 years to get back to the 2005 - 2007 price, if ever.  It may be time to just move forward...it continues to be a great time to buy.  Interest rates are expected to jump into the 5% range going into the Spring market of 2011.  Mortgage Rates rising to 5.0% in 2011 and 5.9% in 2012


Economists Expect Price Increases in Upcoming Years

Macromarkets, a firm associated with Professor Robert Shiller, surveys about 100 economists about home price outlook.
The consensus forecast as of August 2010 (which can be found from Macromarkets or from news media stories such as Wall Street Journal) are for

0.78% price increase in 2011

2.43% price increase in 2012

3.20% price increase in 2013

3.69% price increase in 2014

No forecast for 2015 and beyond

Thursday, November 4, 2010

Why Buy a Home?

You're a Homeowner, what now...

Homeownership provides a sense of stability and security. Instead of wondering when the landlord might decide to sell the home, you are in control of that decision. Additionally, homeownership provides immeasurable values of belonging to a social community. Also, as a homeowner, you'll have a greater influence on community affairs. Renters, being usually more transient, have less influence on policymakers.




What it comes down to is how long you plan on staying in a particular home and area and what you can afford. Owning your home weds you to a property which some people feel limits them. However, many others see a home as their life and the legacy they'll leave behind... a place where they raise children, enjoy company, experience life's ups and downs, and eventually pass on their home to loved ones.

Tuesday, November 2, 2010

Vancouver Washington Libraries..

If you are living or working around the Vancouver, Washington area, you have just got to visit your FVRL..November is full of great events for all of the Family...Laura Bush is coming to town for a fundraiser for the Library...It's not all about Green Eggs and Ham...


FVRL

Monday, November 1, 2010

Homebuyers Credit 2008,2009,2010

Do you have to repay your Home Buyers Credit...the rules changed a couple of different times during the offering.  When did you buy and what was your credit?  This article may be helpful in looking back and seeing what your Home Buyers Credit was all about...

HomeBuyers Credit

Monday, October 25, 2010

Washington's Guaranteed Education Tuition (GET) Program.

Looking for Tuition Money...here is a link to sign up for information seminar regarding this program in the State of Washington...The times and dates are for SW Washington...

Halloween Safety Tips

Follow this link to some great Halloween Safety Tips for home, family and friends..







Halloween Safety Tips.

Buying or Selling in the Fall....


Home Buying and Selling Tips for Fall
HGTV's real estate site Front Door says the weeks between now and the end-of-the year holidays are the best ones to find a bargain. Here are some of their tips for fall buyers and sellers:
Fall Sellers:
roundBullet Replace faded summer plants with fall-blooming flowers and add autumn decorations to the home.
roundBullet Expect low-ball offers and be prepared with higher counter offers.
roundBullet Freshen up listing photos by shooting pictures that make it less obvious that the seasons have changed.
roundBullet Price the home to sell. A price that is a little lower than the competition may be a winning move.
roundBullet Be willing to show the property and hold open houses whenever potential buyers are ready 
Fall Buyers:
roundBullet Look for motivated sellers who have a reason to move on by the end of the year.
roundBullet Explore new constructions. Builders are often interested in selling before the new tax year.
roundBullet Beware of fall maintenance issues. Consider overflowing gutters and leaf-covered lawns.    
roundBullet Shape offers carefully. Even in this market it is possible to turn sellers off with a too-low bid.
Source: FrontDoor.com (09/16/2010)

Tuesday, October 12, 2010

Washington State...it's time to Roar!!

http://Ez.com/wvgb    It is all about your money...who do you want to share it with?  You, your family, charities, you decide...go to this link and read the issues coming up on our ballots in November...


Poll: Candy Tax Repeal Gains Ground, Four Initiatives Losing

By Erica C. BarnettMonday, October 11, 2010 at 5:28 PM
18 Comments and 10 Reactions
A new Elway Poll shows Initiative 1107, which would repeal temporary sales taxes on candy, soda, and bottled water, has gained support over the last two months, going from 47 percent “definitely” or “probably” favoring the measure in September, to 54 percent “definitely” or “probably” supporting it.
In addition, support for the high-earners’ income tax, Initiative 1098, has slipped substantially, going from 46 percent support in June to 41 percent this month.
Support for privatizing liquor and workers’ compensation insurance has also fallen, as has support for Tim Eyman-backed I-1053, which would require a two-thirds majority of the state legislature, which has gone from 65 percent support in June to 49 percent in October.
Here’s the full breakdown, followed by some analysis from the report.
Initiative 1107, repealing sales tax on candy, soda, and bottled water:
Definitely for: 40 percent
Probably for: 14 percent
Probably against: 16 percent
Definitely against: 17 percent
Undecided: 13 percent
Men (59 percent), Republicans (65 percent) and Independents (62 percent) were more likely to support repealing the taxes than women (50 percent) and Democrats (41 percent).
Initiative 1053, requiring a two-thirds majority vote of the legislature to raise taxes:
Definitely for: 28 percent
Probably for: 21 percent
Probably against: 19 percent
Definitely against: 15 percent
Undecided: 17 percent
The percentage of voters who said they were undecided declined substantially (from 25 percent in September). Most of those former undecideds went to the opposition camp, which grew from 27 percent in September to 34 percent this month.
Most Republicans (61 percent) supported 1053, as did half (50 percent) of Independents. Democrats were split, with 40 percent in support and 39 percent opposed.
Initiative 1098, establishing an income tax on individuals making more than $200,000 a year (and couples making more than $400,000)
Definitely for: 25 percent
Probably for: 16 percent
Probably against: 19 percent
Definitely against: 29 percent
Undecided: 11 percent
Support for I-1098 has slipped from a high of 46 percent in June. Meanwhile, people who said they were more likely to vote in November were also more likely to oppose 1098—39 percent of “perfect voters” supported the measure, compared to 67 percent of those who just registered for the first time.
Not surprisingly, 48 percent of voters who made less than $50,000 supported 1098, while 39 percent of voters making more than $75,000 did.
Initiative 1100, privatizing liquor sales, dismantling barriers between distributors and retailers, allowing volume discounts, and preserving the state tax on liquor:
Definitely for: 26 percent
Probably for: 16 percent
Probably against: 19 percent
Definitely against: 25 percent
Undecided: 14 percent
I-1100 still enjoys more support than the other liquor-privatization initiative, I-1100. However, formerly undecided voters are turning against the measure, which had a 34 percent “no” vote (and 21 percent undecided) back in September.
Private-sector employees are more likely to vote in favor of I-1100 (50 percent yes) than public employees (29 percent yes).
Initiative 1105, privatizing liquor sales, preserving the wall between distributors and retailers, and eliminating all state liquor taxes:
Definitely for: 21 percent
Probably for: 15 percent
Probably against: 19 percent
Definitely against: 26 percent
Undecided: 18 percent
Although independents were evenly split on I-1100, they opposed I-1105, with 47 percent saying they’d vote no, and just 35 percent saying they’d vote yes.
While the youngest voters (18-35) were more likely to favor 1105 over 1100 (44 vs. 38 percent), the oldest voters (over 65) were more likely to favor 1100 than 1105 (43 vs. 34 percent). And 33 percent of all voters said they planned to vote for both initiatives.
Initiative 1082, privatizing workers’ compensation insurance:
Definitely for: 14 percent
Probably for: 17 percent
Probably against: 19 percent
Definitely against: 21 percent
Undecided: 29 percent
People remain utterly perplexed by this complicated initiative, with 29 percent still undecided (down from 38 percent last month). Independents and Democrats both opposed the initiative (45 percent and 27 percent no, respectively), while Republicans supported it 37 to 32 percent.

Friday, October 8, 2010

School Days in Vancouver, Washington

Vancouver Public Schools just posted their Report for the Community...take a look at what we have to offer your little and big ones...





..HBHS

Mortgage Rate Chart from 1971...

The Mortgage Rates have never been so Great!!!  attached is a chard that show the rates going back to 1971..Housing prices are down...what are we waiting for...If you went out and someone offered you 4% on your money, would this make you happy...Well the Banks are offering you their money for 4%...this is incredible...Time to Buy!!!




Mortgage Rates

Wednesday, October 6, 2010

Fort Vancouver Tours

The Tours at Ft. Vancouver are in full swing with the Lantern Tour beginning October 2nd...this is a great outing for the Holidays if you have not been before, put it on your must to do list...

Fort Vancouver Tours

Senior News for Vancouver, Clark County/SW Washington

This is a great resource for Senior news for Clark County/SW Washington...so, come out and play where you love to live.


Seniors, Vancouver, WA

Housing Equity



  • Housing equity rose 17 percent or nearly $1 trillion over the past 5 quarters (15 months).
  • The increase was due to a modest rise in home values and a reduction in outstanding mortgage debt.
  • The debt reduction resulted from ‘cash-in’ refinancings and a greater number of all-cash purchases. The Realtors® Confidence Index reports that 28 percent of August purchases were all-cash.
  • The lower debt is also a result of foreclosures, which remove debt from the national household finance data, though bank balance sheets do take a hit.

Wednesday, September 29, 2010

Recycling in Vancouver, Wa this weekend...


Let the fall cleaning begin! Residents of Clark County and its cities can clean out block foam and recycle it for free from 9 a.m. to 1 p.m., Saturday, Oct. 2, in the Fisher’s Landing Transit Center parking lot, 3510 SE 164th Ave.   
Residents can also drop off computers and many other electronic devices for free recycling at Saturday's free collection event. No televisions, computer monitors or microwave ovens can be accepted, however. 
E-waste will be collected by Empower Up, a nonprofit organization that recycles electronics and offers free computer training. Empower Up prefers your working electronic equipment that is no more than five years old. However, nonfunctioning and obsolete equipment will also be accepted. More information about what electronic devices are accepted and other details are available atwww.empowerupnow.org
For a list of free e-waste disposal sites that will accept old TVs, please visit RecyclingA-Z.com on the Internet.  
Recycling block foam packaging, or Styrofoam®, from electronics and other purchases also reduces the amount of waste sent to landfills and saves space in your garbage cart.  
Total Reclaim, a Portland recycling business, grinds and melts Styrofoam® into ingots, reducing the foam's volume by roughly 98 percent. The ingots are shipped to other processors and turned into pellets. The pellets, which have the same quality as new plastic, are used to manufacture picture frames, office products and other items. 
Block foam can be any color, but it must be clean and bagged or boxed. No plastic-wrapped yellow urethane foam or spongy polypropylene foam, no hot tub covers, no packing peanuts, and no foam with cardboard, tape or metal attached will be accepted. Only Washington-licensed cars may participate. All participants must remain on site until staff has examined and accepted the material. Unacceptable foam will be returned. 
Also, businesses can bring in small loads of foam ─ no bigger than what will fit into a passenger or cargo van ─ at no charge. Larger business loads should be taken to Total Reclaim’s site at 5805 N.E. Columbia Blvd., Portland, during the company’s regular weekday business hours.  
For more information, contact the City of Vancouver Solid Waste Services at (360) 619-4120 or Clark County Environmental Services at (360) 397-2121 ext. 4352.

Tuesday, September 21, 2010

VA Loans vs other loans in distress

VA Loans seem to be performing better than others in this Economy...



VA mortgages have performed relatively better than the other types of mortgages. Since 2007 when particularly subprime, but also prime mortgages, experienced spike in delinquencies, the share of delinquent VA mortgages increased only slightly, from 5.61 percent to 7.9 percent in the second quarter 2010. Over the past decade, VA mortgages delinquencies averaged about 7.3 percent. Conversely, FHA mortgages experienced on average 12 percent delinquency rate, while conventional prime averaged 3 percent. However, the spike in delinquencies among those mortgages far outpaces the spike VA mortgages have seen.