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.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home searchSelling a home? Click here for a FREE Home Price Evaluation Call me at (503) 427-9233 for a FREE home buying or selling consultationToday we are excited to give you a tour of one of our favorite areas in Portland, Milwaukie. Milwaukie offers a small-town charm, but is just a few minutes away from downtown. It was recently voted one of the top 50 places in the country to raise a family. Milwaukie is close to the river, and there are over 100 parks in the area, offering great hiking, backpacking, and cycling options. Today we are going to highlight some of the great things about Milwaukie, from the food to the real estate. Let’s get started.Bob’s Red Mill Natural Foods was started by local resident Bob Moore, who founded the company in 1978. Today, they produce over 400 different products and are known as the leaders for grain production in the United States. Another great local spot is Wine:30 wine bar. It’s a great, cozy neighborhood bar, with an open-air atmosphere and complete with comfy furniture. They have a great patio area, which is built on top of a few parking spots in the street. They offer local music throughout the week and a daily happy hour from 4-6 p.m. Milwaukie is also home to one of the largest farmers’ markets in Portland. You’ll find over 75 local vendors with organic meats, produce, baked goods, garden crafts, and more. There are also local artists there every Sunday.Milwaukie’s Riverfront Park is an 8.5 acre park spanning along the Willamette River. It was recently renovated to include a new boat launch, parking, restrooms, a public lawn, and a riverside path.The orange light rail system connects Milwaukie to the city of Portland and travels across the Tilikum Crossing Bridge, which you usually don’t get to go through in a car. If you have any questions for us about this area, or anything else real estate related, we would love to hear from you. Give us a call or send us an email today!

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home searchSelling a home? Click here for a FREE Home Price Evaluation Call me at (503) 427-9233 for a FREE home buying or selling consultationToday, I'm going to give you a tour of one of my favorite neighborhoods in Portland - the Mount Tabor Neighborhood! This great location is nestled in Southeast Portland, an ideal location close to downtown, freeways, parks and other venues.Our first stop is Mount Tabor Park. This park is actually on top of an inactive volcano. The park offers miles of hiking trails that cover 196 acres. These trails are great for biking or hiking. There are tennis courts, picnic areas, and a playground. There is something for everyone at Mount Tabor. Stop by for a beautiful view of the downtown skyline, and the best sunset you've ever seen.Tilikum Crossing Bridge is the only bridge in Portland reserved for cyclists, pedestrians, and the MAX light rail. This is my favorite way to get to Mount Tabor from downtown Portland! It only takes 10 to 15 minutes to go from downtown Portland to the Mount Tabor neighborhood, and there are many great public transportation options for you, such as the bus line.Mount Tabor also offers a variety of locally owned businesses. There are great bars, restaurants, bookstores, and pubs! Hawthorne Boulevard is one of the most well-known streets in this neighborhood. Cup and Saucer  is one of my favorite breakfast places. You must try their homemade scones!Albina Press Coffee Shop is just west of Mount Tabor Park. Portlanders are very serious about their coffee, and Albina does it right. They also serve Stumptown coffee, a local coffee that is very popular. Albina provides a cozy atmosphere.On the Portland food scene, food carts are our claim to fame. There are pods of food carts all over town, such as this one, Good Food Here, located at the base of Mount Tabor. This pod definitely lives up to its name. There is a huge variety of food: Korean, tacos, seafood, vegan, vegetarian, and more! Good Food Here offers a heated, outdoor eating tent. It's a great place to check out if you want to try a few different things, or if you don't have time to prepare a meal at home.Tabor Tavern is located right in the heart of the neighborhood. The food is amazing, and there are rotating taps of beer, cider, and local wines available as well. I recommend their Caesar salad. Happy hour is from 3:00 to 5:30, so be sure to stop by!Overall, the Mount Tabor neighborhood is a great place to live. In addition to the parks and restaurants, Mount Tabor offers a wide diversity of homes. If you have any questions, give me a call or send me an email. I look forward to hearing from you!

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home searchSelling a home? Click here for a FREE Home Price Evaluation Call me at (503) 427-9233 for a FREE home buying or selling consultationToday, Shelby Spencer of Primary Residential Mortgage joins us to discuss some of the changes to FHA Guidelines starting September 14.The biggest change to look out for is with student loans, which can no longer be removed from the debt ratio if they are deferred. This means that all contracts or offers written after September 14 will be affected by these changes. Another change comes to large deposits; we used to only need to source large deposits of around 2% of the sales price, but deposits of 1% or more now need to be documented. In addition to these changes, know that funds can no longer be used as assets; you can't create a stronger profile with gift funds, although they can be used as a down payment.With the inventory as tight as it is; there is a good chance some of the pre-approved FHA buyers may find themselves losing their previously issued pre-approved status before they get an accepted offer. The new FHA guidelines take effect with FHA case numbers assigned on or after 9/14/15. (Case numbers can only be assigned when a property has been identified.)The following bullet points are just a few of the areas that could affect buyers. I recommend that all FHA pre-approved buyers contact their loan officer to review their situation against the new guidelines. Here are some of the areas that are affected (I will cover them in more detail soon):Federal Tax LiensMixed Use PropertyBankruptcy less than 2 yearsOccupant borrower has no credit scoreSelf-employed borrower's income is greater than 20% declining from the previous yearInstallment debts with less than 10 months remainingDeferred loan payments (student loans)30-day credit accountsMore than 3 jobs and/or profession changes in the last 12 months2- to 4-unit propertiesRetaining current home as a rentalNontaxable income (like social security income)Earnest money deposits greater than 1% of sales priceUsing gifted funds for any reserve requirementsAs long as everyone is aware of these changes up front, closing times shouldn't be too affected. Of course, the best way to prepare yourself for these changes is to reach out to a professional and begin the process sooner than later. You can reach Shelby at SSpencer@Primeres.com or (503) 572-8865. Of course, if you have questions or concerns on the real estate side of things, don't hesitate to reach out to us. We would love to hear from you!

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home searchSelling a home? Click here for a FREE Home Price Evaluation How can you effectively and efficiently shop for your next home? After getting pre-approved, you can shop with confidence. However, there are a few questions to ask yourself before browsing listings.What is your criteria?What are you looking for in a home?Is location important?How many bedrooms and bathrooms do you need?What are your square footage requirements?There are plenty of resources out there to get these questions answered. For instance, it doesn’t hurt to spend a Sunday afternoon driving through your prospective neighborhood. Although it isn’t the most efficient way, calling Realtors directly off signs you pass by could help begin your search. However, this way could be expensive with the rising cost of gas.Most people begin searching online. Often, they utilize services like Zillow among others. Prospective buyers might even use a Realtor’s website, which I highly recommend. Your Realtor's website will have a live feed to multiple active listings. Other websites will only give you a snapshot in time, but won’t update their service if a listing has sold. We sometimes receive calls from clients about a listing on Zillow that already sold.  Ensure your Realtor helps you identify if the market is in favor of buyers or sellers. It’s important to understand the dynamics of the market, especially when making an offer to a seller. A seller’s market means low inventory and less competition. A buyer’s market means high inventory and more competition.Lastly, never write an offer until you see a market analysis from your agent. Don’t assume the seller has priced their home based upon current market dynamics.If you have any real estate or mortgage related questions, reach out today! We're always here to be your real estate resource.

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full home searchSelling a home? Click here for a FREE Home Value ReportBuying a home is a serious step. One common mistake buyers and sellers make is not being emotionally prepared to make an offer on a home.Some buyers can spend a couple of years getting their finances in order. Then they get their loan approved and look at homes with a real estate agent. Finally, they find the house of their dreams, and what happens? They want to sleep on it, or pray on it, or get a family member's opinion before they make on offer. The reality is that in this market, if you snooze, you lose. Correctly priced properties are just flying off the market. You have to be emotionally prepared to make that decision and make an offer. Look at homes on Tuesdays, Wednesdays and Thursdays if you are ready to make an offer. Weekends are the worst time to make an offer because a lot of other buyers are out there and you are almost guaranteed to wind up in a multiple offer situation.If you have any questions, please do not hesitate to reach out to me. I would be happy to help you.

.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; height: auto; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; } Buying a home? Click here to perform a full Home SearchSelling a home? Click here for a FREE Home Price Evaluation Call us at (808) 426-7211 for a FREE home buying or selling consultationToday we will be talking about some common mistakes that we often see buyers making. Hopefully, by alerting you to these potential downfalls, you can avoid them yourself when it comes time to buy. Here are the 5 most common mistakes we’ve been seeing:1.  Not getting pre-approvedGetting pre-approved by turning in all of your financial documents to a lender is essential. Without one, your offer won’t be as good in the seller’s eyes, and you really have no idea what kind of home you can actually afford. A pre-approval gives you a great view of your financial picture.2. Bidding aggressively on the perfect homeIf you find the perfect home, that is not the time to bid aggressively. If the home is in good condition and appears to be priced correctly, bid closer to that price. Look to your Realtor for pricing guidelines.3. Not bidding on the perfect home when they have the chanceIf you have the chance to make an offer on your dream home, do it. You’ve got 10 days to do your due diligence on the home to make sure it actually is the perfect one for you. If it’s not, oh well. At least by making an offer, you have a chance to get the home. If you don’t make the offer, you may miss out on it, which has happened to a lot of our clients. 4. Expecting the home to be perfectUnderstand that the home is complex. People have lived in it and there is always going to be a little wear and tear on any home. Usually it’s nothing major, just little cosmetic things. If you’ve ever watched HGTV before, you know that cosmetic issues are easily fixed. The important thing is making sure the home is structurally sound. 5. Not understanding their mortgageSometimes buyers don’t realize how much money they actually need until the last minute. Unfortunately, most loan officers are in a hurry to take loan applications and don’t always make sure their customers understand everything about the transaction. A loan officer should go over the actual costs with you so you know exactly what you are going to have to have on hand as far as cash goes. If you have any questions for us about this topic, or if you are thinking of buying a home yourself, give us a call or send us an email. We look forward to speaking with you!