ramonasoldit.com

Are You Stuck In A Rut?

2011-11-12T08:19:00.001-08:00

I recently took part of a class on coaching for life, work and leadership at Marylhurst University. The class touched on many things that I love about working with people, one being helping another person get to thier goals. My job as a Realtor has often included councelling people. In my research on coaching, I found this article about being stuck in a rut. Though I have loved working with people, I have not always loved all the work associated with being a Realtor. This article offers some great advice, I hope you enjoy it as much as I did.

Is Your Life Stuck In A Rut – 10 Ways Out

No matter how motivated, driven or aligned we are, everyone of us goes through a period in our life when we are stuck in a rut. Here are some of the sure signs your life is stalled:

Your energy drops dramatically
You suddenly become undecided, confused as to your next step
Now, playing the game becomes more important than achieving results
Seemingly overnight you are gaining weight, not sleeping and generally in ill health
And the biggy…you stop dreaming about what is possible barely able to make it through what "is"

It can happen without warning to the most optimistic of people.
From the pages of "Achieving Extreme Greatness" – When your life gets stuck in a rut, here are 10 things you can do to help break the habit…

1. Convince yourself it will pass. When you are in a rut it seems that you will never break free, by recognizing that this is simply a phase you are going through, a period that you can change so take the pressure off and change will come faster,

2. Exercise. Even though times like this make any sort of physical exercise even more challenging, you must break free and focus on at least low-grade exercise such as a walk, jog or swim.

3. Get social. We tend to become withdrawn in the low points of our life, a better approach is to join a new sport, hobby, fitness class, support group or other social activity where you can be with others.

4. Change your diet. We tend to become self-destructive in times of trouble within our lives – eating too much sugar and carbohydrates, escaping reality with alcohol and stimulants – by breaking these bad habits we can build momentum that will break out of our rut.

5. Change your routine. Being stuck in a rut is really succumbing to a pattern of bad habits – by breaking your routine, just one step toward change can get the ball rolling.

6. Baby steps. Our tendancy is to wait for some major life event to break us out of our rut when the best way to quickly escape this hell-like, self-imposed prison is to take small steps each day toward improving our life.

7. Change your company. There are times in my life where I was kept in a rut largely by the negative energy of the people around me. When you are stuck in life look around you, do you have positive role models or mentors you can rely on to help you see the light?

8. Take responsibility. Look inward and understand that you have everything you need to succeed wildly today, it's just that you are relying on external factors for your success. By taking responsibility for changing your situation you empower yourself to break free of your rut.

9. Introspection and Meditation. When things around you get so heavy, so meaningless and challenging – give yourself permission to focus inward for 30-minutes each day by practicing yoga and meditation. With just a week of consistent meditation you will be amazed at how less terrible you will feel about your current rut.

10. Know the signs. Take stock each day of your feelings, your accomplishments and how well aligned your actions are with your inner purpose and desire. Recognize how you feel and how you respond when under pressure, out of control and out of alignment. If you can identify these characteristics early you can take control before you get stuck in a rut.

There is no reason to spend another day stuck in a rut. Use these 10 techniques to break free and begin living life the way you really want to once again.
Jeff

found at:
http://www.peak-personal-development.com/blog/index.php/is-your-life-stuck-in-a-rut-10-ways-out/

Choice is Power When Shopping For A Mortgage

2011-11-02T12:38:00.000-07:00

When it comes to shopping for a mortgage, it pays to get referrals from people who have a good relationship with a respected lender. Talk to your bank, then shop around and visit at least three lenders. Compare rates, fees and service. Things on the lending front seem to be changing all the time, so get advice from people in the business, like myself! Here is a good article I found, enjoy!

Don't rely on lead generation sites for accurate interest rate and loan fee combinations

By Jack Guttentag

Inman News™

Share ThisMortgage lead generation websites (henceforth LGSs) have become a major part of the home mortgage distribution system. LGSs collect information from potential borrowers visiting the sites, and sell it to mortgage lenders. There are dozens of LGSs, perhaps hundreds; I haven't seen an exact count. Among the largest LGSs: LendingTree.com and LowerMyBills.com.

How lead generation sites work

An LGS attracts borrowers to its site primarily by promising to provide mortgages at attractive rates with one-stop shopping.

A prospective borrower visiting an LGS fills out a questionnaire covering the loan request, property, personal finances and contact information. The completed questionnaire is the lead that is sold to lenders.

Each lender participating in the site fills out a form indicating the features of loans they are looking for. This "filter" covers credit score, loan size, loan-to-value ratio, property ZIP code, type of property, and other factors. The LGS sells a lead with a given set of features only to lenders who have indicated that they want those features.

In general, LGSs sell leads to the lenders who will pay the most for them, subject to volume-based discounts. The sites commit that they will not sell the same lead to more than three or four lenders, but skeptics abound.

Lead generation sites from a lender perspective

Lenders view LGSs as one more way to market themselves. They can advertise online and in a variety of media, hire more loan officers to solicit business from real estate sales agents, invest in affiliated business arrangements with title agencies or others that will refer customers to them -- and they can buy leads.

While each approach has its advantages and disadvantages, for many lenders the purchase of leads appears to be a relatively attractive option for some part of their marketing budget.

Don't rely on lead generations sites alone to do the shopping for a mortgage for you, call today for a list of good lenders in our area who can meet with you and provide you the service you are looking for.

Is it the time of year for bites?

2011-10-25T09:38:00.000-07:00

Mortgage rates stay low, buyers not biting

By Inman News

Mortgage rates are hovering not far above record lows set during the first week in October, but demand for purchase loans hit a low last week not seen since 1996, surveys of lenders show.

Freddie Mac's latest Primary Mortgage Market Survey showed rates for 30-year fixed-rate mortgage (FRM) averaging 4.11 percent with an average 0.8 point for the week ending Oct. 20.

That's virtually unchanged from 4.12 last week, and not far above the all-time low in records dating to 1971 of 3.94 percent set during the week ending Oct. 6. Rates on the popular 30-year fixed-rate mortgage were at 4.21 percent this time a year ago, before climbing to a 2011 high of 5.05 percent in February.

For 15-year fixed-rate mortgages, rates averaged 3.38 percent with an average 0.8 point, essentially unchanged from 3.37 percent last week. The 15-year mortgage hit an all-time low in records dating to 1991 of 3.26 percent during the week ending Oct. 6.

At this time a year ago, 15-year loans were averaging 3.64 percent, before climbing to a 2011 high of 4.29 percent in February.

Applications to refinance were down 16.6 percent from the previous week, but refi requests still accounted for 77.6 percent of all mortgage loan applications.

In a forecast issued Monday, economists at Fannie Mae said they expect rates on 30-year fixed-rate mortgage loans to average 4 percent next year and 4.2 percent in 2013. Fannie Mae's forecast calls for sales of new and existing homes to grow by less than 1 percent next year, to 5.28 million, before picking up by 6.5 percent in 2013.

"In this type of environment, the housing market remains very sluggish and consumers' willingness to dig into their savings to purchase big-ticket items is very low," said Fannie Mae chief economist Doug Duncan in a statement. Duncan said leading indicators "point to housing sales bouncing near the bottom at least through the end of 2012."

The large inventory of distressed homes working their way through the market is putting downward pressure on prices, Duncan said, and with fall and winter being a weak seasonal sales period home prices are likely to show declines after firming for several months.

In My Opinion

I have been told since I started in real estate over ten years ago that the slowest months are November and December. I will say that I have seen some of my busiest times during these winter months. It is true that the numbers as a whole reflect a slowdown, picking up again after the first of the year.

Yet I have experienced the savvy buyer taking advantage of the market during this time of year, as well as a wise seller who understands that competition is down and they can showcase their home beautifully during this time which results in attracting serious buyers.

Don't let the market determine when it is a good time for your move, take advantage of low interest rates and good inventory and motivated buyers today. Call me, so I can arrange a market report for you which will provide details on what your next step should be.

Ramona

Do You Feel The Change In The Air Again?

2011-10-24T08:23:00.000-07:00

Last May I wrote about the change in the air, and spoke about my return back to school. My time at Marylhurst has been amazing! I have grown as a student, business woman and a person. I have a ways to go still before I get to march across the stage and get my degree, but I am on a great solid path to achieve it.

I want to announce that I have taken a position with Highrises.com as a preferred agent for them! They specialize in the condo market, an area of the market which I have been passionate about, but have not focused on before. I am proud to be part of this great team which will allow me to sharpen my knowledge of the market and get me downtown more!

It does not end there though. I can still work in all aspects of the real estate field as I have always done. After ten years in the business, there is quite a bit of experience I bring to the negotiating table on your behalf. Just give me a call to see how I can help you take advantage of low prices and low interest rates. (they are crazy low right now! As low as 4.15% for a 30 year fixed on approved credit. Are you kidding me?? This is AMAZING folks!)

Check out the site:

ramona.highrises.com

And call me:

360-909-1540

Happy Fall!
Ramona

Change Is In The Air

2011-05-16T10:58:00.000-07:00

Can you feel it? There is a change in the air. Not only because we see longer days and a bit more sunshine due to it being May and springtime, but there is a definite change in people's attitudes. Perhaps I am just noticing what is important to me now. We often have our reticular activators attuned to whatever is happening in our lives, perhaps this is what I am experiencing.

What is our reticular activator? The reticular activator system, or RAS is a part of the brain that has a big role in making your goals happen. It is the part that gets turned on when you are focused on something, or experience something exciting. For instance, when you test drive or purchase a new car, have you noticed that you now see that car everywhere, where before you seldom noticed it? Or, think of walking through a busy airport with lots of noise. Do you pay much attention to the noise? Probably not. But, what if an announcement comes over the speakers concerning your flight? Your ears perk up and you listen. This is your RAS in action.

Advertisers know this system and use it to get you to notice their products over another one. We can train our RAS system, to find out more please visit this site: www.set-your-goals.com .

I recently started school at Marylhurst University near Lake Oswego, OR. I decided to study Business & Leadership with a sub focus on Organizational Communication. I have realized that in my many years of helping clients buy and sell homes, investment properties and working with other Realtors that my love is in communications. Yet, I can not forget my business background. I am very thankful for each of my relationships with clients and agents which has lead me to this path of obtaining a higher education. I plan on using my degree within the foundation my husband's company is organizing, and to help other business owners to grow their business. Stay tuned for other posts on how this process is going.

ARE YOU FAMILIAR WITH THE MOST COMMON EXCUSES FOR NOT WORKING OUT?

2010-01-25T23:14:00.000-08:00

ALL RIGHT! HERE WE ARE, THE END OF JANUARY, AND WHERE ARE YOU?

ON THE COUCH, A BAG OF POTATO CHIPS, AND A SUPER SIZED GALLON OF COKE, OR WHATEVER MCDONALDS HAD ON THEIR CLEARANCE MENU!

IF THIS SCENARIO SOUNDS NORMAL, THEN YOU MOST LIKELY HAVE AN ARSENAL OF EXCUSES TO PULL FROM, THAT GO FAR BEYOND A 'TOP 10 LIST!'

NEW YEARS WAS A LONG TIME AGO YOU SAY, AND MAYBE I WAS OVER ZEALOUS, SLIGHTLY EXTREME WITH MY RESOLUTION!

In fact, every time you entertain the idea of exerting yourself, you find that the thought of it makes you crave salt, or a Happy Meal!

Better to avoid the thought all together, you reason?

Maybe you are right, after all, if you lift weights and gain muscle, than suddenly quit. Your new muscles will turn to fat and you could very possibly be worse off than before you separated yourself from the couch and chips!

Not only that, but the more often you leave the house the greater your chances are of snipers, terrorists or mountain lions assaulting and harming you in some way.

The excuses are endless, if your waistline too seems endless, you may want to read on, unglue your buttocks, and stop sabotaging yourself!

WHY DONT WE EXAMINE A FEW COMMON EXCUSES PEOPLE USE TO TALK THEMSELVES OUT OF EXERTING THEMSELVES!

1. YOU REALLY HATE TO EXERCISE- its boring, time consuming and you get sweaty.

The longer you follow healthy behaviors, the easier they become and the best part is, you actually start to enjoy them. Your first step in getting to that happy place is to change your attitude.

As you see results, it will give you incentive to continue. Think about this: it takes a lot more time to go to the Dr. for all the problems associated w/being overweight than it does to work out three times a week! Not to mention the plethora of other health benefits you receive from exercise.

Sorry, the sweaty part is a given! You are not working hard enough if you don't get sweaty!

2. YOU DON'T KNOW HOW TO EXERCISE- it's hard and looks complicated. I could hurt myself!

Do you know how to walk? Can you read? There are numerous books on the subject, you can check them out at your local library. Walk to the library and get one!

If you have a computer there is a large amount of info, including tutorial videos that you can down load and follow at home.

Ask someone you know who works out to help you. Hire a personal trainer for a few sessions to teach you the basics.

3. WHAT SHALL I DO WITH THE KIDS?- I don't have anybody to watch my children.

A very valid reason. You cannot leave them to fend for themselves. Its against the law!

Most gyms have child care, kids love these places. They are filled with toys and new things to stimulate their interest. Just make sure you bathe them thoroughly when you get home!

Think about any relatives that could possibly lend a hand. Or a friend that you could trade babysitting with.

4. I'M AFRAID MY MUSCLES WILL GET TO BIG AND I WILL LOOK DEFORMED- Are you kidding me? Unless you are taking steroids and training eight hours a day, this isn't something you should worry about in the least!

Being overweight distorts your features and changes your looks greatly. You have to decide if you would prefer your looks to be changed by fat or by muscle. It is clearly a personal choice. Than take the necessary steps to move in that direction.

5. WOMEN SHOULDN'T LIFT TOO MUCH WEIGHT- Unless you look like Starla from Napoleon Dynamite (who I would venture to guess takes roids) as a women, you really are not in danger of gaining to much muscle.

Facts about women and muscle gain:

Women typically don't have the amount of hormones (testosterone) necessary to build huge muscles. In fact, even men struggle to gain muscle which is one reason steroids are such a popular drug with men who want to build big muscles.

Strength training is not just for men. Nothing could be further from the truth. Lifting heavy weights can benefit both men and women and, in fact, challenging your body with heavy weights is the only way you'll really see results and get stronger.

There are women who have been lifting heavy weights for years, and have never even come close to looking like a bodybuilder. Remember, muscle takes up less space than fat. When you add muscle, that helps you lose fat (along with your cardio and healthy diet), which means you'll be leaner and more defined.

We could talk all day about this subject, but you get the gist!

WHERE THERE IS A WILL, THERE IS A WAY!

THAT IS OUR MOTTO! AND ONE OF MANY REASONS WHY YOU NEED TO CHOOSE THE RAMONA KAUHI TEAM FOR ALL YOUR REAL ESTATE NEEDS!

WHO ELSE CARES SO MUCH ABOUT YOUR WELL-BEING?

RAMONA KAUHI

KELLER WILLIAMS REALTY

360-909-1540

LICENSED IN BOTH OREGON AND WASHINGTON, FOR YOUR CONVENIENCE OF COURSE!

HOW TO KEEP YOUR NEW YEARS RESOLUTION!

2010-01-08T11:29:00.000-08:00

THE FACTS: ONLY 46% OF PEOPLE WHO MAKE NEW YEARS RESOLUTIONS ACTUALLY KEEP THEM!

We are about to let you know how you can avoid being

'THE DREADED MAJORITY!'

Lets begin with the three most popular new years resolutions. Yes...you guessed it, losing weight, exercising, and quitting smoking. With losing weight being the the landslide winner of course!

A big part of keeping our resolution is understanding why so many of us fail.

One reason could be that a lot of us make resolutions to do only things that we are not otherwise likely to do. Only an anorexic would resolve to eat ice cream at least once a week, and only a workaholic would resolve to spend more time in front of the television. Thus we use the occasion of the New Year to try to change behavior that may be the most difficult to change. Making failure a distinct possibility.

In spite of these odds, we power thru, we make resolutions because we have decided that it would be best to do whatever it is that we are resolving to do. But, if we have already made that decision, why don’t we just do it?

Aristotle had an interesting view, one that fits well with our everyday experience of failing to do what we know to be best. Our reason may tell us what is best to do, he thought, but in a particular moment our reason may be overwhelmed by emotion or desire. Thus, the problem is not lack of knowledge, but the failure of our reason to master other, non-rational aspects of our nature.

That view is supported by recent scientific studies showing that much of our behavior is based on very rapid, instinctive, emotionally based responses. Although we are capable of deciding what to do on the basis of rational thought processes, such decisions often prove less powerful than our instinctive feelings in moving us to action.

What does this have to do with keeping resolutions? Richard Holton, a professor of philosophy at MIT and the author of “Willing, Wanting, Waiting,” points out that a resolution is an attempt to overcome the problem of maintaining an intention when we expect that, at some future time, we will face inclinations contrary to our intention. Right now, we want to lose weight and we are rationally convinced that this is more important than the pleasure we will get from that extra slice of cake. But we anticipate that, faced with cake tomorrow, our desire for that rich chocolate texture will distort our reasoning so that we might convince ourselves that putting on just a little more weight doesn’t really matter all that much.

Now that we have identified the reasons why we have difficulty keeping our resolutions, we need to focus on techniques to overcome our inclination.

Some experts recommend breaking your resolution into a series of small steps:

1. Tell your family and friends about your resolution

Gain support...give your friends and family permission to slap food out of your hands!

Gives you accountability

2. Regularly remind yourself of the benefits of achieving your goal

Fit into your 'skinny' jeans, make your ex feel regretful, not wincing when you pass a mirror, over all better health.

3. Give yourself a small reward each time you achieve one of the steps towards your goal

Just don't let that reward be a trip to the bakery every time you spend a half hour at the gym. How about a shopping trip to Nordstrom, or maybe a new workout outfit!

4. Keep track of your progress towards your goal

Keep a journal or put a chart on the fridge door. Better yet, put up a pic of yourself that accentuates the things you find undesirable about your body!

Individually, each of these factors seems trivial. Collectively, they are ways of exerting our self-control not only now, but in the future as well. Let's not be to hard on ourselves, never feel that just because we have slipped up, maybe devoured three pieces of New York style cheesecake, that we have to give up! We can choose to sabotage ourselves or be our own best friend!

NEVER FORGET: THE RAMONA KAUHI TEAM SUPPORTS YOU AND YOUR NEW YEARS RESOLUTION!

WE CAN HELP WITH ALL YOUR REAL ESTATE NEEDS!

CALL TODAY 360-909-1540

IN CASE YOU HADN'T NOTICED, WINTER IS HERE!

2009-12-08T10:43:00.000-08:00

FLUFFY AND FIDO NEED HELP KEEPING WARM TOO!

Follow these guidelines to keep your family pets safe:

1. Keep your cat inside. Outdoors, felines can freeze, become lost or be stolen, injured or killed. Be aware that their little ears can become frozen and snap off.

2. During the winter, cats sometimes sneak under the hoods of cars. When the motor is started, the cat can be injured or killed by the fan belt. Before starting the engine, bang loudly on the car hood, to give the cat a chance to escape. Of course not to the point of denting the vehicle!

3. Never let your dog off the leash on snow or ice, especially during a snowstorm—dogs can lose their scent and easily become lost. Many dogs are lost during the winter, so make sure yours always wears ID tags.

3. Thoroughly wipe off your dog's legs and stomach when he comes in out of the sleet, snow or ice. He can ingest salt, antifreeze or other potentially dangerous chemicals while licking his paws, and his paw pads may also bleed from snow or encrusted ice.

4. Never shave your dog or cat down to the skin in winter, as a longer coat will provide more warmth.

5. When you bathe your pet in the colder months, be sure to completely dry him/her. Avoid using a hair dryer as this can scare your pet.

6. Own a short-haired breed? Consider getting a coat or sweater with a high collar or turtleneck with coverage from the base of the tail to the belly.

7. Never leave your dog or cat alone in a car during cold weather. A car can act as a refrigerator in the winter, holding in the cold and causing the animal to freeze to death. It would be horrible to get into your vehicle and find the family pet frozen solid.

8. Puppies do not tolerate the cold as well as adult dogs, and may be difficult to housebreak during the winter. If your puppy appears to be sensitive to the weather, you may opt to paper-train him inside.

9. If your dog is sensitive to the cold due to age, illness or breed type, take him outdoors only to relieve himself.

10. Does your dog spend a lot of time engaged in outdoor activities? Increase his supply of food, particularly protein, to keep him—and his fur—in tip-top shape.

11. Like coolant, antifreeze is a lethal poison for dogs and cats. Be sure to thoroughly clean up any spills from your vehicle, and consider using products that contain propylene glycol rather than ethylene glycol. Visit the ASPCA Animal Poison Control Center more information.

12. Make sure your companion animal, as well as yourself, has a warm place to sleep, off the floor and away from all drafts. A cozy dog or cat bed with a warm blanket or pillow is perfect.

Now that we have reminded you of proper cold weather pet care, you can show your unending gratitude by letting our specialized Real Estate team help you with any needs you may have!

Thank You, and as always, call Ramona at: 360-909-1540

KELLER WILLIAMS REALTY GROUP

WHO KNEW THE CUCUMBER COULD BE SO USEFUL AND VERSATILE!!!

2009-11-23T12:32:00.000-08:00

Just when you thought, "All we EVER talk about is Real Estate!"

We are not looking to confuse the millions of fans who read this blog. But, once in a while, a person stumbles across a tidbit of information, although obscure and off the subject, it compels the stumbler to pass it on!

This information was in The New York Times several weeks ago as part of their "Spotlight on the Home" series that highlighted creative and fanciful ways to solve common problems.

1. Cucumbers contain most of the vitamins you need every day, just one cucumber contains Vitamin B1, Vitamin B2, Vitamin B3, Vitamin B5, Vitamin B6, Folic Acid, Vitamin C, Calcium, Iron, Magnesium, Phosphorus, Potassium and Zinc.

2. Feeling tired in the afternoon, put down the caffeine saturated soda and pick up a cucumber. Cucumbers are a good source of B Vitamins and Carbohydrates that can provide that quick pick-me-up that can last for hours.

3. Tired of your bathroom mirror fogging up after a shower? Try rubbing a cucumber slice along the mirror, it will eliminate the fog and provide a soothing, spa-like fragrance.

4. Are grubs and slugs ruining your planting beds? Place a few slices in a small pie tin and your garden will be free of pests all season long. The chemicals in the cucumber react with the aluminum to give off a scent undetectable to humans but drive garden pests crazy and make them flee the area.

5. Looking for a fast and easy way to remove cellulite before going out or to the pool? Try rubbing a slice or two of cucumbers along your problem area for a few minutes, the photochemicals in the cucumber cause the collagen in your skin to tighten, firming up the outer layer and reducing the visibility of cellulite. Works great on wrinkles too!!!

6. Want to avoid a hangover or terrible headache? Eat a few cucumber slices before going to bed and wake up refreshed and headache free. Cucumbers contain enough sugar, B vitamins and electrolytes to replenish essential nutrients the body lost, keeping everything in equilibrium, avoiding both a hangover and headache!!

7. Looking to fight off that afternoon or evening snacking binge? Cucumbers have been used for centuries and often used by European trappers, traders and explorers for quick meals to thwart off starvation.

8. Have an important meeting or job interview and you realize that you don't have enough time to polish your shoes? Rub a freshly cut cucumber over the shoe, its chemicals will provide a quick and durable shine that not only looks great but also repels water.

9. Out of WD 40 and need to fix a squeaky hinge? Take a cucumber slice and rub it along the problematic hinge, and voila, the squeak is gone!

10. Stressed out and don't have time for massage, facial or visit to the spa? Cut up an entire cucumber and place it in a boiling pot of water, the chemicals and nutrients from the cucumber with react with the boiling water and be released in the steam, creating a soothing, relaxing aroma that has been shown the reduce stress in new mothers and college students during final exams.

11. Just finish a business lunch and realize you don't have gum or mints? Take a slice of cucumber and press it to the roof of your mouth with your tongue for 30 seconds to eliminate bad breath, the phytochemcials will kill the bacteria in your mouth responsible for causing bad breath.

12. Looking for a 'green' way to clean your faucets, sinks or stainless steel? Take a slice of cucumber and rub it on the surface you want to clean, not only will it remove years of tarnish and bring back the shine, but it won't leave streaks and won't harm your fingers or fingernails while you clean.

13. Using a pen and made a mistake? Take the outside of the cucumber and slowly use it to erase the pen writing, also works great on crayons and markers that the kids have used to decorate the walls!!!!

It is an amazing, and useful veggie, wouldn't you agree? We are not really that far off the subject, since a person can use this info to beautify their home, and, we can help you find a beautiful home!

It's simple! Use the money you save with cucumbers, and put it towards a down payment on your new home!

Ramona Kauhi

360-909-1540

Have A wonderful Day!

EXTENSION OF THE $8,000 TAX CREDIT

2009-11-04T08:06:00.000-08:00

Just when you thought it was too late to get in on this deal!

You may have heard of the credit and it just wasn't the right time, or you just couldn't find a home quick enough to get in on the 8K. Whatever your circumstance may have been, your in luck, its not too late! This extension, along with the expertise and diligence of THE RAMONA KAUHI TEAM, will certainly put your worries to rest!

The tax credit is a stimulus incentive that was set to expire on December 1st 2009.
The tax credit allowed first time home buyers purchasing their primary residence to receive a tax credit of up to $8,000. With the expiration of the program many feared that home sales would decline and a market recovery would be further delayed.
Initial reports are that the Senate has not only approved an extension of the first time home buyer tax credit, but an expansion that would allow current home owners to also be eligible for a tax credit on a new home.
Sources within the Senate have indicated that there is a preliminary agreement to extend the so called “first time home buyer tax credit” until the end of April 2010. In addition, they intend to expand the program to include a tax credit of up to $6,500 for home buyers who already own a home. The senate sources indicated that one requirement on current homeowners looking to buy a new home and get the $6,500 credit is that they must have lived in their primary residence for the last five years.
It appears they will attempt to attach this new home buyer tax credit extension to the unemployment extension bill. It’s still unclear as to when the extension will come up for a vote, but this initial report is incredibly positive news for the housing market.
Thousands of families have already been able to purchase a home and take advantage of the first time home buyer tax credit. This five month extension and expansion will allow countless thousands more to take advantage of it as well.
One point of frustration for many buyers is not being able to access the tax credit early and use it as part of the down payment on their purchase. While HUD has approved the use of the tax credit as down payment, lenders, as we have seen all too often, have not gotten on board with it and widely ban the use of the tax credit for down payment. Third parties have been advancing borrower's money to use as down payment in some reported cases. This is still not widely accepted by lenders and borrowers have had to wait until tax time to receive their credit.
If you have been in the market to buy a home it looks like you will have until the end of April to get a Government check to do so!

For more information on this program please call Ramona, at your convenience. She would be happy to answer questions you may have.

If you are looking to purchase or sell a home, give us a call, we can help!

RAMONA KAUHI

360-909-1540

licensed in Oregon and Washington

HURRY! YOUR MISSING OUT ON $8,0000!

2009-09-28T07:46:00.001-07:00

Could you use $8,000?

Who couldn't you say!

THIS HEAD SPINNING OFFER ENDS NOVEMBER 30TH!

SO...WHAT ARE YOU WAITING FOR?

CALL RAMONA!

Maybe you've already heard, the Government is giving an $8,000 tax credit to anyone who qualifies. Bad news is you need to get a move on it to actually get it.

Admittedly, these Government programs can be confusing, and sometimes, they are not worth the hassle. This one is a no brainer! Basically, you, the new Homeowner, buys a house, and you get an $8k tax credit. Yes, you should be getting a little excited!

To help you understand a bit more clearly, here are a few facts you may find helpful.

1. The Difference Between a Tax Credit and a Tax Deduction
A tax credit is applied directly to taxes owed. If you owe $8,500 in taxes and apply the $8,000 tax credit, your tax bill is reduced to $500. If you have already paid $9,000 through payroll deductions or estimated tax payments, you will get a refund of $8,500.
A tax deduction is a reduction against earned income. If you made $100,000, an 8,000 tax deduction would simply reduce that income for tax purposes to $92,000, and you would pay taxes on that lower income.
2. How Does the $8,000 Home Buyer Tax Credit Work?
Qualified home buyers can receive a true tax credit of 10% of the purchase price, with a maximum credit amount of $8,000. This means if you buy a home for $80,000 or more, you can deduct the full $8,000 tax credit from the amount owed to the I.R.S. If you usually get a refund on your taxes -- and you qualify for the maximum tax credit -- you can add another $8,000 to that refund for 2009.
You can also amend your 2008 return and take the deduction in 2008, if you so desire.
Qualifications for the $8,000 Home Buyer Tax Credit
Only first-time home buyers are eligible. This is defined as not owning a home over the past 3 years. Here are other qualifications:
The home must be your principal residence.
Only homes purchased on or after January 1, 2009 and before December 1, 2009 qualify for the tax credit.
Limited to individuals with adjusted gross incomes of $75,000 as a single person or $150,000 filing jointly. There is a phase-out for single incomes between $75,000 and $95,000, and for couples filing jointly with incomes between $150,000 and $170,000.

3. More About the $8,000 Home Buyer Tax Credit
Unlike the 2008 $7,500 home buyer tax credit, the $8,000 tax credit is not a loan and does not need to be repaid. It's like free money for buying a house during the specified time period and meeting certain requirements.
Also, unlike the 2008 $7,500 home buyer tax credit, you can use the credit if you financed your home purchase with state or local bond funding.
However, if you sell that home within the first 3 years of ownership, the entire amount of the tax credit is recaptured. This means you will be required to give that money back to the I.R.S. So, if you take advantage of the tax credit, plan to stay put for 3 years.

Now that you feel more comfortable with the program and what it actually entails, get off the computer, and let start looking for your dream home!

Do you already own your home but know of someone who could benefit from this program? Go ahead, give them our number, The Ramona Kauhi Team is on it!

REMEMBER...YOU ONLY HAVE UNTIL NOVEMBER 30TH!!!

WHO SHOULD SELL MY HOME?

2009-09-14T14:00:00.000-07:00

Many a Homeowner has been sent into a panic when faced with the decision of choosing how to sell their home, and with good reason!

You have the For Sale By Owners, The Discount Agents, and of course the traditional full service Agent. Ahh the dilemma, take a deep breath and stop hyperventilating. It's YOUR lucky day! As usual its Ramona to the rescue!!! Compiled for your convenience and without bias, the pros and cons of each option available to you.

Traditional Brokers
The Pros:Brokers work. Despite the advent of the Internet, traditional agents continue to dominate the real-estate market. Indeed, 88% of all home sales were sold with the assistance of a realtor. Want exposure? Hire a broker. Traditional Realtors share their property listings in a database called the Multiple Listing Service. This database contains more than 95% of all properties that are for sale and is used by more than 1.3 million agents nationwide. It's a snap for an agent to find all of the homes in a client's price range. And since the listing broker is willing to split the 6% commission with any realtor who finds a buyer, there's plenty of incentive to show a competitor's inventory.

You could, however, save yourself thousands of dollars by selling your property on your own. But some would argue that the headache isn't worth it..
A good agent will do all the work for you. He or she will take control of the transaction and do everything from setting an accurate asking price and prescreening prospective buyers to showing your home and negotiating the final price. All you'll need to do is keep the place tidy. This should free you to spend your weekends looking for your new abode.
The Cons:Brokers are expensive. Most of them charge as much as a 6% commission for their services. So if your four-bedroom colonial sells for $350,000, you'll have to cut a check for $21,000 at closing. However, all fees are negotiable and many brokers are reporting they charge slightly lower fees.
A broker is in control of your transaction. So be prepared for strangers to traipse through your house for a "viewing" at practically any time of day. More important, your broker will be negotiating on your behalf, and you'll have to trust that he or she is providing you with all of the information you need to make a final decision. At its worst, you may find your agent encouraging you to reduce your price just to make a quick sale so he can move on to another property.

Discount Brokers
The Pros:Discount brokers are cheaper than traditional brokers. Some charge sellers between 2% and 5% for their services. (Typically, the higher the fee, the more service that's provided.) So the commission for that same four-bedroom colonial could cost you just $7,000, far less than the $21,000 a traditional broker would charge you.
Some discounters will prescreen for qualified buyers and weed out the riff raff. For example, some companies run credit checks on all potential buyers and makes sure they're preapproved for a sufficiently large mortgage.

The Cons:You get what you pay for. Some discounters merely list your property on their Web site. Or they'll field calls from prospective buyers, but you'll have to give the official home tour and deliver the hard sell. If this is all the service you're getting, some industry insiders argue you might as well run an ad in the local newspaper
You'll have to pay up to get your home in the Multiple Listing Service database. While discounters can offer you this service, you won't get it for 2%. Many discounters will charge you a higher fee, say 4% to 5%, for the listing.
Don't expect agents to bang down your door. Even if your home is listed in the Multiple Listing Service database, some agents may refuse to show your property. Why? The discounted commission. Rather than the traditional 3% buyer's commission, many discounters will offer agents just 2% or 2.5%. While that may seem like splitting hairs to you, the difference can really add up. If an agent can make $10,500 selling one $350,000 home vs. $7,000 on another comparable property, which one do you think he'll show first?

For Sale by Owner
The Pros:More money in your pocket. That's right, you get to keep whatever your home sells for. You can put that 6% commission toward the down payment on a larger home or toward more important expenses, such as your child's education.
No one knows your home better than you do. So doesn't it make sense that you could point out all of the amenities and sell it better than an agent? And consider this: Nine out of 10 agents showing a home are walking through it for the first time.
If you want something done right, do it yourself. Selling your own home gives you complete control over the transaction. You set the price, you set up convenient times to show the home and you get to negotiate with a buyer. This way, you'll know when it's time to cave and lower your price or stay firm because your house is attracting a lot of interest.
The Cons:Less exposure. If you try to sell your home without the assistance of a broker, you'll dramatically limit the number of potential buyers who'll view your property. First, your house won't be included in the Multiple Listing Service. Second, buyers feel more comfortable using a broker, since they want to see all of the available homes in a given neighborhood and have a professional on hand to help analyze the properties.
Expect your home to sell for less. According to the National Association of Realtors, homes that sold with a broker went for a higher median price than those sold by an owner. Many buyers believe they can negotiate more vigorously if they're buying directly from an owner who's avoiding a hefty broker's fee.
Selling your own home can be a hassle. You have to set a price, place ads in the paper, field calls from prospective buyers and then put on your best smile and sell that house like a pro. And don't forget about the negotiations. Some industry insiders even argue that buyers feel more comfortable talking money with a third party. Now try juggling all that's involved while holding down a full-time job and looking for a new home for your family to move into. Some argue that the headache is well worth the 6% commission.

So now that you have decided to go with the Ramona Kauhi team for all of your Real Estate needs, go ahead and give me a call!

Seriously, whatever route you choose to go with, we can offer good, honest advice. Acquired from being in the business and making it successful, through all the ups and downs the market has experienced.

THANK YOU!

USDA Rural Development Housing loans

2009-08-26T10:20:00.000-07:00

MANY people are unaware of government funded programs that are available to those of us who qualify.

Washington, August 5, 2009 - Agriculture Deputy Secretary Kathleen Merrigan today announced that 50,000 rural families have attained the dream of becoming homeowners with the help of funding provided by the American Recovery and Reinvestment Act. These funds have been made available through a variety of programs administered by USDA Rural Development as part of President Obama's aggressive efforts to strengthen rural communities

In communities across the nation, the American Recovery and Reinvestment Act funding is having positive effects for individuals, families, communities and local economies. USDA Rural Development offers guaranteed and direct single-family home loans to eligible rural residents who are unable to secure a conventional loan. Down payments are not required, and payments are based on the borrower's income

More information about USDA's Recovery Act efforts is available at www.usda.gov/recovery. More information about the Federal government's efforts on the Recovery Act is available at http://www.recovery.gov/. http://www.rurdev.usda.gov/.

There are some amazing stories of families who have been helped by these programs on the websites. It would be worth any ones time to investigate these opportunities, it could end up being another a success story!

We have three lots waiting to be built in Ridgefield, WA. A rare opportunity to build your dream home. Bring your own plan or builder, or use the sellers plans and they will build your house. Use MLS# 9050641, 9050643, 9050647

Ramona is here for you! Call 330-909-1540 TODAY!

Hot Weather and Pets

2009-08-19T11:14:00.000-07:00

We at RAMONASOLDIT.COM absolutely love our little furry companions! Out of concern for all creatures big or small, we would like to post this reminder so none are harmed inadvertently.

THIS INFORMATION CAN HELP YOU CARE FOR YOUR CREATURE WHEN THE MERCURY RISES!

Never leave an animal alone in a vehicle, since even with the windows open, a parked car, truck or van can quickly become a furnace. Parking in shade offers little protection, as the sun shifts during the day. When traveling, carry a gallon thermos filled with fresh, cold water.
Don't force your animal to exercise after a meal in hot,humid weather. Always exercise him or her in the cool of the early morning or evening.
In extremely hot weather, don't leave your dog standing on the street, and keep walks to a minimum. He is much closer to the hot asphalt and his body can heat up quickly. His paws can burn since they are not protected by shoes.
Never take an animal to the beach unless you can provide a shaded spot and plenty of fresh water for her to drink. Rinse her off after she has been in salt water.
Always provide plenty of shade for an animal staying outside the house. A properly constructed dog house serves best. Bring your dog or cat inside during the heat of the day and let her rest in a cool part of your house. Always provide plenty of cool, clean water for your animal.
Please be sensitive to old and overweight animals in hot weather. Brachycephalic (snub-nosed) dogs (especially bulldogs, Pekingese, Boston terriers, Lhasa apsos and shih tzus) and those with heart or lung diseases should be kept indoors in air-conditioning as much as possible.
Keep a current license and identification tag on your dog or cat and consider tattooing or microchipping as a means of permanent identification.
Avoid walking your dog in areas that you suspect have been sprayed with insecticides or other chemicals, as poisonings increase during the summer when gardens, lawns and trees are sprayed. These chemicals can sicken or kill an animal. Call your veterinarian or The ASPCA National Animal Poison Control Center (ASPCA/NAPCC) if you suspect your animal has been poisoned.
Be alert for coolant leaking from your vehicle. Animals are attracted to the sweet taste of coolant and ingesting just a small amount can cause an animal's death. Consider using animal-friendly products that use propylene glycol rather than those containing ethylene glycol.
A clean coat can help to prevent summer skin problems, so keep your dog or cat well groomed. If he has a heavy coat, shaving your dog's hair to a 1-inch length will help prevent overheating. Don't shave a dog's hair down to the skin; this robs him of protection from the sun. A cat should be brushed frequently to keep his coat tangle-free.
Take your companion animal to the veterinarian for a spring or early summer checkup, including a test for heartworm if your dog isn't on year-round preventative medication. Have the doctor recommend a safe, effective flea and tick control program.
Never tie an animal outside on a correction collar. He can choke to death. If you must tether him, use a buckle collar with identification tags instead. (This applies in any season.)
Never let your animal run loose. This is how an animal can contract a fatal disease, including rabies, or be injured, killed or stolen.
Be sure there are no open, unscreened windows or doors through which your animal can fall or jump.

Good luck in keeping you and yours cool and comfy during the heat. Remember, enjoy it, we don't get enough here in the Northwest!

As Always, call RAMONA if your thinking of selling or buying.

cell# 360-909-1540 call today!

Happy Hour!

2009-08-10T12:48:00.000-07:00

Well, now that the move is over and you have thrown all the food in your fridge out...not because it's bad, but because it could go bad on the way to the new place, and who wants to put all that effort into transporting rotten food? Hmmm, I'm thinking 'Happy Hour'!
I really have a hard time with Happy Hour because there are so many choices by the time I decide, Happy Hour is over! So..I am only going to list a few.

Davis Street Tavern
500 NW Davis St
503-505-5050

Known for serving locally grown produce in a Tavern style atmosphere
Happy Hour plates average $5

Urban Farmer
525 SW Morrison
503-222-4900

Amazing local art work to ponder as you enjoy your $5 martini
Lobster pockets $4
Pork belly $5 (if you like that sorta thing)
Again, local produce and meat selection

Amnesia Brewing
832 N Beech St
503-281-7708

Brewpub/Beer garden
again, local art work dresses the walls
Once an ironwork shop, converted to a patio party mingling spot!
Hamburgers, Brats, etc. All served up from an outdoor BBQ

Rontom's
600 E Burnside St
503-236-4536

Boasts 11 Oregon distilled liquors
Tuna melts, cheese or chocolate fondues, and...deviled eggs baby!
Large Patio, so bring your entire entourage!

Have fun checking these little hot spots out and remember.......

CALL RAMONA FOR ALL YOUR REAL ESTATE NEEDS!
360-909-1540

MOVING CHECKLIST

2009-07-30T13:09:00.000-07:00

Yes...we all dread it, sometimes its easier to just not move at all, or buy new stuff and leave the old! Since neither of those choices are always an option, lets see what we can do to help!
I'm not sure about most people but I work much better with a list, it seems to lessen the stress and put my mind at ease. So, in view of that...I came across this moving checklist that will hopefully prove useful to someone!

BEFORE YOU LEAVE
Address change

Give forwarding address to post office
Change accounts, credit cards, subscriptions
Friends, relatives
Bank
Transfer funds, arrange check cashing if in a new city
Arrange credit references

DELIVER SERVICE

Laundry, newspaper, ect

MEDICAL DENTAL & PRESCRIPTION

Ask your Dr. & Dentist for referrals; transfer prescriptions, eyeglasses, x-rays, obtain birth records, medical records, ect.

INSURANCE

Notify company of new location for coverage; life, health, fire, auto

UTILITIES COMPANIES

Gas, light, water, telephone, fuel, garbage, cable
Get refunds on any deposits made

PETS

Ask regulations for licences, vaccinations, tags, ect.

DON'T FORGET

Arrange for cable
Check with moving company; insurance coverage, packing & unpacking label, arrival day, shipping papers, payment
Empty freezer
Clean appliances
Plan for special needs of infants\pets

MOVING DAY

Carry Travelers checks for quick, available funds.
Let close friends or relatives know route & travel schedule
Check closets, drawers to be they are empty
Leave old keys with tenant or Realtor
Carry jewelry and documents yourself
Plan for transporting pets

AT YOUR NEW ADDRESS

Register car within five days after arrival in new state or you may have to pay a penalty when registering
Apply for state drivers licence
Find your local congregation for place of worship
Register children in school
Arrange for new family Dr
Register to vote
Make arrangements for closing Real Estate transaction
Check on Utilities
Check pilot light on stove, hot water heater, furnace
Check with postal service

Hopefully this will be helpful to all you movers and shakers! Those of us who have a less than perfect memory are thankful for lists such as these!

Remember the Ramona Kauhi team when thinking of moving, we are happy to help in any way we can! We are always appreciative of your referrals!

First Time Home Buyer's Low Interest Rates!

2008-12-11T09:52:00.000-08:00

I found this interesting article on Trulia today. Low interest rates may be the new thing. Couple this with the tax credit incentive, and the low housing costs and I believe we have the Perfect Storm! This is as good a time as I have ever seen to buy a house. Much better than when I bought my first house in 1991! People were amazed we got an interest rate of 8.5%, now it looks like it could get down to 4.5%! Please read the following article...

Written by Jeff Launiere, P.A.,..., Real Estate Professional in Tampa

Today it was reported by anonymous sources that Treasury Secretary Henry Paulson is considering purchasing many more mortgage backed securities issued by Fannie Mae and Freddie Mac that would be used to press the mortgage interest rates down to 4.5%.
Apparently, this would only be for new loans and not intended for refinancing. What could this mean for the depressed housing market. We will look at an example.
Presently the rate is approximately 5.75% for a 30 year conventional loan. For a $200,000 mortgage the payment would be $1,167.15. At 4.5% as proposed on the same loan the payment would be $1,013.37 which would save the new homeowner $153.78 per month. This lowered rate would allow many buyers to qualify for a larger home at a lower payment. Analysts today predicted this could result in anywhere from 500,000 to several million more home sales. Although this new lower rate would not help save people from foreclosure, if it is true that it could not be used to refinance existing loans it would result in more foreclosed homes to sell, and would likely result in stabilization in prices.
At the same time the FDIC is proposing rewriting existing loans for those that pay more than 31% of their income toward a home loan. This could help reduce the number of foreclosures while the lower rate would likely result in a good increase in sales.

15 Most Awesome Autumn Drives (Oregon Listed Twice)

2008-12-03T00:28:00.000-08:00

The authors of "America’s Most Scenic Drives" pick this Northwest passage, the first scenic highway (I-84)to be designated a National Historic Landmark, as an autumn-touring favorite.Mid-October is prime time, and the highlight, these experts say, is the starting point at Cape Horn viewpoint, with “a striking panorama at the western gateway to the Columbia River Gorge.” Road Trip! Magazine editor Sequoia Hamilton adds that following this highway all the way to Multnomah Falls affords “some of the most spectacular scenery in the world.” She suggests an end-of-drive stop at the romantic Multnomah Falls Lodge.

Meandering from the Pacific Coast to the Cascades, Oregon's route 126 offers a running commentary on how the fall foliage changes between sea level and 4,800 feet. You can start the day walking along a driftwood strewn beach beneath a lighthouse and end it soaking in hot springs beneath some of the highest peals in the Lower 48. Along the way is the scenic Mackenzie River Valley with its New England-style covered bridges and brilliant fall colors. The city of Eugene—and the ultra-leafy University of Oregon campus—lies about midpoint in the journey. At either end you'll find pleasant coastal Florence and the high desert town of Bend.

Story From: ForbesTravler.com
http://www.forbestraveler.com/luxury/americas-best-fall-drives-2008-slide-7.html?thisSpeed=25000

Portland home prices drop nearly 9 percent in last year

2008-12-02T21:38:00.000-08:00

The average price of a home sold in Portland dropped 8.6 percent by September 2008, compared with a year earlier, but that is still below the national average annual drop of 16.6 percent.
According to the Standard & Poor’s/Case-Shiller Home Price Indices report released Tuesday, the price drop in the largest 20 U.S. cities between September 2007 and a year later was 17.4 percent. In the 10 largest cities, the drop was even bigger, at 18.6 percent.
This year from August to September, home prices fell in Portland by 1.3 percent. The average drop for the same time period in the nation’s largest 20 markets was 1.8 percent.
The markets reporting the biggest annual price drops were Phoenix (down 31.9 percent), Las Vegas (down 31.3 percent) and San Francisco (down 29.5 percent).
All 20 of the largest U.S. markets reported annual price drops, but the lowest were in Dallas, down 2.7 percent, and Charlotte, N.C., with a drop of 3.5 percent.
Of the 20 cities measured, Detroit is the only city where home prices have decreased since Jan. 2000. Home prices in Detroit have fallen roughly 10 percent in that time period.
Portland homes prices are up nearly 70 percent since Jan. 2000.

Tuesday, November 25, 2008, Portland Business Journal
Full Ad: http://portland.bizjournals.com/portland/stories/2008/11/24/daily20.html?surround=lfn&brthrs=1

Buyers, Start Your Engines!

2008-05-31T09:24:00.000-07:00

Rose Cup Races are this weekend. I have not been very involved with auto racing this year, and boy... do I miss it! On the few sunny days we have, it is hard to control the urge to push the car down the freeway or the backroads. Thanks to great friend, we will be attending the Rose Cup races today. I have been so focussed on reving up my business, I haven't done much of anything else!

The races are starting elsewhere too. I am seeing more buyers in the market. Interest rates have inched up a bit over the past week, but are still very good. And, sellers are realizing the facts about pricing a home, they seem to be more realistic. This makes it a fabuous time to be a buyer. I have been saying this for a while. And, not to say 'I told you so', but newspapers around the country are saying the same thing.

Today's buyer needs to understand the market they are in. This is not a one size fits all sorta thing. Just as there are different classes for race cars to compete in, each with a set of guidelines and rules, so there is a set of guidelines for each market. Often, there are markets within a market. The inner city neighborhoods are different than Gresham, and different than Vancouver, for example. Home owners who are considering moving up, or into a better area may want to take the time now to seriously consider making the move. Have the choice of a home before there are more buyers, or competition, for that home. Be the first.

Call me to help evaluate your situation. I move fast, so you can!

Bad MLS PHOTOS

2008-05-04T11:51:00.000-07:00

You have all seen them. Photos of houses that are just ... well... just ugly! I was told about this blog, thanks to Steve Bridwell of Stewart Title. These are hilarious!

Folks, if you are selling your home, please take some time to clean it up! As the saying goes, "How we sell a home is not how we live in a home". Now, I know that most of you are not as bad as these photos, but they still make a good point about how important it is to make a house desirable to a buyer, especially in today's market.

And, for those of you who want and desire new ideas, there are plenty of links to help you out!

Enjoy!

http://uglyhousephotos.com/wordpress/

FHA and VA Loans Making a Comeback!

2008-04-26T13:04:00.000-07:00

I have seen a slight increase in the market. I have also seen more FHA and VA loans. With stricter lending requirements, these programs are making sense once again for some buyers. Here is a tidbit from Inman News:

Stricter lending is definitely taking its toll on the market, prompting the National Association of Realtors' president to lash out this week at the current state of private lending practices.
"It appears there is some overreaction on the part of some lenders now in requiring higher down-payment percentages than may be necessary," said Richard F. Gaylord, the group's 2008 president and a RE/MAX broker in Long Beach, Calif., in a statement this week.
Gaylord said there is some relief for buyers in the form of "more lenient policies" for FHA loans, which are mortgage loans insured by the U.S. Federal Housing Administration that are intended to serve those who cannot afford a conventional down payment or qualify for private mortgage insurance.
Mike Motta, a broker in Assonet, Mass., south of Boston, said, that tighter lending requirements have killed some real estate deals.
"There was a period of time a few months ago when the mortgage qualifications rules seemed to be changing daily," Motta said. "That seems to have settled out, and things are much calmer in that regard."
It is "a little trickier for many buyers, particularly those with little or no down payment or with credit problems," he said.
More buyers are looking to FHA loans these days, he said, though conventional fixed-rate mortgages are still popular and "few people I've talked with are considering anything with a variable rate."

I strongly believe myself, that we need to educate buyers and sellers about conditions. I specialize in helping people get their house sold, and understanding loan options is one way of doing that. Getting buyers to feel good about buying a house is even more important in today's market.

Take My Breath Away! At the gas pump, of all places!

2008-04-24T20:29:00.000-07:00

The price at the pumps is a little bit more than sticker shock, these prices are down right frightening! We went by the Arco at 136th AVE & 4th Plain today, regular was $3.50 a gallon! Down the road, regular was $3.69! And, premium is at $4.00! Now, I am not that old, but, I do remember paying .99c. There is a station on Andresen and 28th, we would stop there for gas, and I would treat the kids to a .25c ice cream cone. Nope, this was not the 50s, this was 1998, just a mere 10 years ago. Have things really gone up that much?

And, what about the price of houses? If you are a buyer, you could save some money right now. With prices adjusting, and interest rates still great, it is one of the best times to purchase a home. Pay a few more dollars at the pump, but save thousands on that new home you have been dreaming of. It may be a good time to really look at your budget, see where you can save, invest what you can, and truly consider buying a house.

Talk to a good lender who can find FHA, Neamiah, and other programs which are still available for low to no down. There are homes available in the low to below $200k, which I have not seen in a few years. New construction is also a good option with builders willing to be flexible and creative to get homes sold. If you don't have enough saved for a down payment now, a lease to purchase may work. Or, possibly have the builder carry a small second, depending on credit and availability. There are many choices for you now.

Remember, as an experienced agent, I am here to help you evaluate your options. Don't let the gas prices take your breath away. Be in control over your future and consider home ownership during this terrific buyer's market!

http://www.inmannews.com/news/2008/04/24/mortgage-rates-higher-inflation-jitters

Exciting News in the New Home Market!

2008-04-09T14:03:00.000-07:00

I just came back from a broker's open for Quail Homes at their Granite Highlands neighborhood. All I have to say is "WOW"! Not only are the homes gorgeous with an open floor plan and easy living concepts, they are affordable! These are definitely something to take a closer look at! Jon Girod, owner/builder, is available to talk to, ask questions, and find solutions to any credit or debt issues keeping you from owning a new home. Jon actually served up every one's lunch plate! It was a nice time, and I left feeling very impressed with the quality of the product and service offered. I would be more than happy to help you meet Jon and tour their homes. Here is their website for more information. Check it out, then call me. http://www.quailhomes.com/About/about-quail-homes.aspx

Also, check out the Tour of New Homes April 11-13th, & April 18-20th! Call me for a market annalysys of the homes and areas.

If you want a private tour of any of the homes, and can't make it on the tour, call me, I would love to show you what is available in town.
http://ww.buynowclarkcounty.com/

Gear Up for the Spring Selling Season

2008-03-29T14:59:00.001-07:00

HOME MAINTENANCE CHECKLIST

Here is a link to an article which was very detailed on what to do to get your home ready to sell this spring. I found this in RISMedia.

Spring Cleaning:

Clean carpets
Clean all windows and sills
Clean out vents and ducts
Move furniture to dust and vacuum
Wipe down all moldings, door & window jams
Check the gutters
Spray off siding
Remove wet leaves from driveways, decks, porch, and yard
Check crawl space
Give your roof a once over
Check the weather stripping around doors and windows
Check water valves
Service air conditioner and water heater

These are just a few suggestions. A a buyer walks through a house, they may not see what needs to be done, but they will feel it. So, get a jump start on your list. For more information, click on the link below.

Enjoy!

http://rismedia.com/wp/2008-03-18/how-to-gear-up-for-the-spring-selling-season-home-maintenance-checklist/

Let it Snow! During Spring Break?

2008-03-29T14:59:00.000-07:00

Yep, it is snowing. We are at the end of March, Portland area schools are finishing up their spring break. And, Vancouver school children are starting their break. And, we have snow, hail, dark clouds, and record snow fall in the mountains!

As we have moved into spring, I have definitely seen an increase in buyer activity. Which is promising for sellers. I speak with sellers who have tried to get their homes sold, and many say the same thing, "I will wait to sell until the market comes around." Understandable. But, does it make sense to wait until you can get more money out of your house, just to pay more for the new house you want to buy. Seller's really need to evaluate their whole financial picture when making a move. And, as I see more buyers out looking at houses, I think sellers are understanding this point more.

Long gone is the crazy market we had just a short while ago. And, thank goodness. Now that the party is over, it is clean up time. I am positive about this change, and commit to improving my skills to stay on top of market changes. It is even more important now to have your house stand out, and to have a quality agent represent you in the sale of your home.

As the sun comes out, so do the buyers. I hope your house out shines the competition, and that you are able to reach your goal.

Everybody Loves Bubbles! Right?

2008-03-16T08:31:00.000-07:00

So, if everybody loves bubbles, and really... who doesn't, then why are people so freaked out about this word when associated with real estate? I mean, I think of happy times when I think of bubbles.

What was more amusing as a young child blowing bubbles out of a new jug of solution. That little plastic wand filled with that magical liquid was a real treat. I saw bubbles at parties, dances, weddings, in a bath. Or, a fresh sink full of warm soapy water. Or a bucket full of them on a warm summer's day while washing the car. Any of these evoke fun happy times. So, what about the real estate bubble?

Well, this is what I decided to write about. I guess bubbles are fun, until they pop. The fun comes to an ubrupt ending. Or does it? Can something so simple really have that much control over us? I admit, when we are talking real estate, we are talking investment, the economy, a finacial future. But, are we really seeing a bubble burst? Isn't there all sizes and shapes of bubbles? So, there is all sizes and shapes of real estate markets. There is money to be made in all of them for the savvy shopper and investor.

I challenge us to discover together what this market meens. What opportunities await each of us. I will post links and articles, and you feel free to ask questions or make comments. I know I will enjoy this as much as that new bottle of bubbles full of hope and fun.