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Real Estate Blog

First Step To Purchasing A Home

The first step to take when considering purchasing a home is getting pre-approved with a mortgage lender or broker.  You need to get pre-approved before you start looking at homes.  You would be doing yourself and your real estate agent a disservice otherwise.  Getting pre-approved is different then getting pre-qualified.  A pre-approval is a step further than getting pre-qualified because a loan application is completed.  The lender will review your income, debt, assets, and available money for down payment and closing costs.  Getting pre-qualified is many times the first step.  Getting pre-approved is the next step. 

Pre-Qualification = Estimate

Pre-Qualification is only an estimate of how much of a home you

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Fraud is one of the fastest growing crimes in our nation.  We've seen fraud recently with gas stations, credit cards, credit bureaus and more.  It can also happen in the mortgage industry.  It was reported that mortgage fraud risk is up nearly 17 percent in the most recent 12-month period. In fact one in every 122 mortgage applications contained fraud during the first two quarters of 2017.  The most common frauds were application fraud, down payment funds, income and employment falsification and debt amounts. (1)  Fraud can include anything from "little white lies" on the application to complicated multi-person schemes.

Federal Crime

Any form of mortgage fraud may constitute bank fraud, which is a federal crime.  If you haven't already gotten

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Port of Pasco

 

Congratulations to the Port of Pasco!  The Port of Pasco was awarded the 2017 Port of the Year by the Washington State Public Ports Association (WPPA) .   The award recognized the Tri-Cities Airport renovation, the Pasco Processing Center, and the Osprey Pointe Business Park. 

In receiving the award, Commission President Jean Ryckman stated “The Port of Pasco is honored to receive this award and to be recognized for the contributions to our community. She added “While people saw the two and a half year construction project, they didn’t see the five years of planning and budget discussions before the first wall was ever knocked down. WPPA is recognizing the entire effort of the Port of Pasco Commission and staff in making this project happen

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When you purchase a home, there are many people you will interact with and meet during the home buying process. There are more people than just the seller and buyer involved. Here is a list of a few of them and what their roles are to help you during the journey to home ownership.

Mortgage Broker/Loan Officer

The first person you will meet is the Mortgage Broker/Loan Officer.  You should get pre-approved before you start looking at homes. They will be able to tell you if you qualify to purchase a home and how much you will be able to afford.  Once you know that critical information you are ready to start looking at homes.

Real Estate Agent

A real estate agent will be the person who will help you look at what homes are available in the

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It's winter and we are in the middle of the holiday season.  While you may not have thought that selling your home during the holidays is a good idea, we have 10 good reasons why it is a great time to sell your home. 

1. Good Supply Of Buyers

The buyers that are looking for homes during the holidays are serious buyers.  They are not people just looking to see what ideas they can come up with to do in their home.

2. Less Competition

There is less competition for your home since there are less homes on the market during this time.  That could make your home stand out and sell faster too!  A smaller inventory works great for sellers.  Have photos from summer as well so they can see what your home looks like when the grass is green and

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heating blanket

With lower temperatures comes higher heating bills.  As it gets colder, setting the thermostat higher will make your furnace run longer and in the end it will use more energy and won’t actually get you warmer faster.  Here are a few tips that will help your pocketbook during this cold weather season:

Bundle up in layers

While this may sound like your mother speaking to you, wearing layers can help you set your thermostat to a lower temperature and still feel comfortable.  Just like you dress for success, dress appropriately for the weather conditions. Put the summer shorts away. Put a warm hat on. Wear socks around the house.  If your feet are cold then your whole body may feel cold.    Slowly acclimate your body to a lower temperature.

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Christmas for Children

EverStar Realty is proud to sponsor the 18th annual Christmas for Children

Donate a new unwrapped present for a child between November 21st and December 15th at our office:  1920 N. Pittsburgh St., Suite A in Kennewick.  100% of the donations will stay in our local community.  There is much need for some extra "Santa's helpers" this year.  Join us in being one!  

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AccountingUtilities Expenses

As a property owner you have many responsibilities and costs to take care of.  Your income can quickly become depleted from the various expenses as a landlord.  One of the biggest expenses of a rental property can be the utilities. Investment properties are supposed to be just that - an investment.  But you want to get a good return for that investment.  There are a couple of ways you can charge your tenants for the utilities. Let's take a look at a few of the options.

Included In The Rent

You can include the utilities in the cost of the rent as a flat fee.  This way you keep the utilities in your name which gives you more control of the utilities.  You will want to make sure to call the utility companies and find out the past

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Fsbo sign

 

FSBO Trend Low

The trend of for-sale-by-owners is the lowest it has been.  This is according to National Association of REALTORS®’ 2017 Profile of Home Buyers and Sellers report.   They found that 89 percent of sellers used a real estate agent instead of FSBO.

“Homeowners understand the value, and seek the expertise and guidance REALTORS® bring to the table when it’s time to sell their home,” says William E. Brown, NAR’s president. “Despite incredibly favorable market conditions for sellers, where finding interested buyers was not a problem, nearly all turned to a REALTOR® to help assist them through the intricacies of listing their home on the market, accepting offers, negotiating the sales price, and closing the deal.”  Having a

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Winter is here!  Officially it starts December 21st with the Winter Solstice, but we have already had our first snow! Being proactive with you home maintenance can go a long way when the temperatures are dropping. Here are a few things to take care of around your home for the cold weather:

Outdoor Home Maintenance:

  • If you have a fireplace, make sure you have fuel stored.
  • Make sure any firewood is stored at least 20 feet away from your home.
  • Check your roof for any holes or cracks that may need to be repaired.
  • Remove screens from windows and install storm windows.
  • Check for ice-dam formations in gutters (only when safe to do so). 
  • Consider purchasing a roof rake to clear extra snow off your roof if it gets too deep. 
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