Thursday, January 30, 2014

3 Bedroom Vancouver Home For Sale!

Great 1996 home for sale in Vancouver WA. This home is a HUD home and has 1544 square feet, 3 bedrooms, and 2.5 bathrooms. Sitting on .15 acres with a great back yard! For more information contact me or see link HERE


4 Bedroom Home for Sale in Vancouver WA

Great 4 bedroom, 2.5 bathroom home for sale in Vancouver WA. Built in 1993, this home has 2282 square feet and beautiful updates! Great Kitchen!!

For more information click HERE


Wednesday, January 29, 2014

Battle Ground Ranch Home For Sale

3 Bedroom, 2 bathroom ranch home for sale in Battle Ground. This 2002 home has 1410 square feet and a great yard! For more information and photos contact me or click HERE


5 Acres and Barn! Home for sale in Yacolt WA

3 bedroom, 2 bathroom 1500 sq ft. home for sale in Yacolt WA. Has a great barn, 5 acres, ready for your animals! $163,000

For more information call, text or email. To see additional listings like this, click HERE


Tuesday, January 28, 2014

Ridgefield WA homes for Sale

Battle Ground Homes for Sale

Vancouver Townhomes and Condos For Sale

North Clark County Horse Property!

Woodland WA homes for Sale

Vancouver Home for Sale, Custom and Updated! Gorgeous!

Gated Community! Gorgeous Vancouver Home for Sale!

Friday, January 24, 2014

1966 Home for Sale with Original Hardwood Floors!

Great Vancouver Home for Sale!

-1966 Remodel-Original Hardwood Floors-2 Bedrooms-1 bathroom-954 Square feet

Email, text or call for more information. To see other homes like this, click HERE

Homes for Sale in Salmon Creek!

There are over tons of great homes for sale in Salmon Creek! 

Tuesday, January 21, 2014

Gorgeous 5 Bdrm Vancouver Home for Sale

Vancouver home for sale with all the updates!! Beautiful 5 bedroom home with 3550 square feet and huge open layout. Great deck with views! Call, text or email for more information.

To see more homes like this, click HERE

Sunday, January 19, 2014

Tuesday, January 14, 2014

1956 Ranch Home for sale in Camas!

Ranch on quiet street with hardwood floors. Home has a full basement w/ second kitchen, utility, and family rooms. Also 3 other rooms that can be used as bedrooms. 3 detached garages and tons of great space! For more information call, text or email.

To view more listings similar, click HERE
(843) 597-1941

Sunday, January 12, 2014

How are Homes Valued?

How Homes are Valued
Homes are valued a lot like everything else: They are worth what people will pay for them. The Maybach Exelero, the most expensive car in the world, sells for $8 million because that's what people will pay for it. By the same token, you can ask for $8 million for your Hyundai, Ford or Chrysler, but don't count on getting it – you'll get what the market says it's worth.
So, how do we know what a willing buyer will spend for a house? Although we may never be certain, by looking at the recent past, we can come up with a pretty good idea. This is why the market value of a house is based on sold homes that are comparable in various ways.
In other words, it doesn't matter what amount Tom, the next-door neighbor, lists his house for. The only thing that matters is what Jessica, your former neighbor, got for her house. List prices are fantasies while sold prices are reality.
Determining an accurate asking price for your home is vital, and the best way to find that price is by having the home professionally appraised. The second best way is to ask a real estate agent for a comparative market analysis. While both the appraiser and the real estate agent use the prices of sold homes as a basis, the appraisal process is a bit more in-depth.

The Appraiser

Licensed appraisers aren't house experts, but they are analysts, able to pull together myriad facts and statistics to arrive at a home's value.
To avoid a conflict of interest, most lenders adhere to the Home Valuation Code of Conduct (HVCC) and use the services of an appraisal management company.

The First Step in the Appraisal Process

Shortly after you've accepted an offer to purchase, you'll receive a call from the appraiser to set up an appointment to see the home. The time he or she spends inspecting the home varies, depending on the appraiser, but plan on it taking at least 30 minutes.
The appraiser makes note of the floor plan and any improvements, and takes measurements of the exterior of the home to determine the square footage.

Step Two

The appraiser uses statistics from the multiple listing service, public records, or a combination of both to find recently closed sales that are similar in age, size, location and features to your home. Typically, the appraiser relies on sales within the last 90 days, but may go back as far as six months. She will also use homes within a 1-mile radius of yours.

The Final Steps

The final steps of the appraisal involve comparing your house, which the appraiser calls the "subject," to the comparable homes. She'll use a list of criteria that includes the age of the homes, size, number of bedrooms and bathrooms, location and any improvements made to the homes.
She'll add or subtract value from your home depending on how it stacks up to the comparable houses until she arrives at the market value of your home.

What to Do if You Disagree With the Appraisal

An appraisal obtained by the lender is paid for by, and therefore belongs to, the buyer. So the lender won't send you, as the seller, a copy. It is up to the buyer to supply you with a copy if he or she is willing.
That said, if the appraised value is determined to be lower than what the buyer has agreed to pay, the lender will typically not lend on the property and the buyer and seller have some decisions to make.
The buyer can come up with a larger down payment (which brings down the amount of money he needs to borrow). Most buyers think long and hard about this option – nobody wants to overpay for a house.
The seller and the buyer can agree to split the amount that is over the appraised value, with the buyer bringing half the cash to the deal and the seller lowering the price of the home to meet his half of the deal.
Another option, and the one most commonly used, is that the seller lowers the price of the house to meet the appraiser's evaluation.
Finally, the seller can simply walk away from the deal.
Before any of these steps are taken, however, the buyer and the seller should review the appraisal to ensure that the appraiser used accurate information in his determination. Appraisers are human and do make mistakes. If errors are found, the buyer can notify the lender and ask for another appraisal.

Steps in the Mortgage Loan Process

Steps in the Mortgage Loan Process
You walk into the local bank and ask to see a mortgage specialist. Palms sweating, heart leaping – you are about to apply for what may be the largest loan in your life. A lot is riding on an approval: the ability to purchase a home, a new start in life, or the first steps toward a life that is moving in a new direction.
You probably don't realize that the lady sitting behind the desk actually wants to help you. Like your real estate agent, she doesn't get paid until the deal is consummated: until you take out a mortgage loan. Naturally, then, your first contact in the mortgage loan process is going to want to put your mortgage application in the best light possible.
Unfortunately, the loan officer doesn't have the final word on approval. To get to that great big "yes" requires work on your part, long before heading out the door to see a lender.
Grab your calculator and that stack of bills off the kitchen counter - you've got some number crunching to do.

What Budget?

If you live within a budget, congratulations – this part of the process will be a cinch for you. If you don't, it's time to determine how much money you have coming in and how much goes out. Once you know this, you can determine the amount of money you can comfortably afford to pay for a house every month. Remember, this amount needs to cover homeowners insurance, property taxes, and HOA fees if you move to a managed community.

Got Credit?

Lenders pull your credit reports as part of the loan process, but the wise mortgage loan pursuer will get out in front of the process and know where he stands with FICO, the corporation that determines consumers' credit worthiness.
By law, you're entitled to one free credit report each year, from each of the three major credit reporting agencies. The Federal Trade Commission recommends that you order the credit reports, the only source it authorizes.
Lenders use a score aggregated from all three credit reports and calculated by the Fair Isaac Corporation (FICO). Known as your FICO score, it largely determines whether you will be approved for credit and the interest rate you'll be offered.
Dispute anything on your credit reports that is questionable. Even removing one negative entry can move your credit score in a positive direction.

Piles of Paperwork

Finally, all those piles of paperwork lying around the house will come in handy. Although you'll need to ask your lender exactly what she needs to see, lenders typically want the following:
Copies of tax returns.
Investment information.
Bank account statements.
Your landlord's name and phone number, if you rent. If you currently own a home, bring your mortgage papers.
Your driver's license and social security card.
Paperwork, including the account numbers, pertaining to loans and credit cards.
Pay stubs or other information that verifies your income.
Court papers verifying your responsibility for support payments or bankruptcy, if applicable.

The Mortgage Loan Process

Here's what happens during the mortgage process:
You fill out the application.
Your loan package goes to the processing department where everything is verified.
The underwriter receives your package from the processing department and decides whether or not to give you a loan.
If the underwriter decides in your favor, the lender sends you a commitment letter.
These are the basic steps in the mortgage loan process, and they may vary depending on your situation.
While you wait for word of approval, the lender is required to send you, within three days of application, a Good Faith Estimate – commonly called the GFE. This form discloses the costs of the loan.
Expect a Truth in Lending Disclosure as well, which will let you know your monthly payment, the annual percentage rate of the loan, and a disclosure of all finance charges.
The loan commitment letter repeats the information in the GFE and the Truth in Lending Disclosure. If the terms meet with your approval, sign the letter and return it before the deadline.
While waiting around for loan approval is stressful, and there may be delays while the lender acquires additional paperwork from you, the more you are prepared going into the process the quicker and easier it will be.

Vancouver Home for Sale- Granite, Hardwood! $295,000

Beautiful custom home with granite, hardwood floors, travertine and more! 3 bedrooms, 2.5 bathrooms and 2137 square feet. Open concept layout, great for entertaining! For more information call, text or email.

(843) 597-1941

To see more homes like this, click HERE

Amazing Vancouver Home for Sale!

Great new 3 bedroom home, almost completely finished! Appliances are Stainless Steel, kitchen and bathrooms have Slab Granite. Home has great Travertine and Hardwood Floors! Main Floor Master Suite offers Dbl Vanity & WI-Closet. Kitchen w/ eating bar & Dining Room Open to Greatrm w FP & built-ins. Den/4th Brdrm on Main. Covered Porch with cute deck!

Call, text or email for more information. To see similar homes, click HERE 

(843) 597-1941

Short Sale VS Foreclosure- In a Buyer's Eyes

Buyer's Perspective: Short Sales vs. Foreclosures
They are known as "distressed properties," when in reality they are properties that belong to distressed homeowners. Foreclosed properties and those being sold short are homes that the homeowner can no longer afford, for any number of reasons.
If you have your heart set on purchasing from among an area's distressed properties, you may have to look a bit harder for them than you would have last year. The number of foreclosures on the market dwindled 22 percent in the first quarter of 2013 compared to the first quarter of 2012, according to RealtyTrac. The number of U.S. short sales has fallen 10 percent and is expected to keep falling.


Think the listing price of that short sale is set in stone? Think again. The list price is a concoction of the homeowner and the real estate agent. The only price that matters is that which the lender sets, and that won't happen until there's an offer and the lender sends out an appraiser.
Much of the time the real estate agent's evaluation comes very close to appraised value, but there is no guarantee.
The list price on a foreclosure, however, is set by the lender, so unless you are able to negotiate for a lower price, this is the price the lender expects to obtain.


We all heard the short sale nightmare stories during the depth of the recession – all those poor buyers who were stuck waiting sometimes as long as a year or more to find out if their offers were accepted by the bank. While today's short sales are considerably more streamline, they still take longer to purchase than a foreclosure.
There are a number of reasons for the difference in timing, but the biggest is that there are more people involved in the short sale than the foreclosure.

Which One is a Bargain?

Lenders learned during the housing mess that short selling a house made them more money than taking it back and selling it themselves. That, however, may be changing – at least in Las Vegas, Nev.
The Greater Las Vegas Association of Realtors® reports that the median price of a bank-owned home in April was $152,000, while short sale median prices were $140,000 during the same time period. Since the median sales price on a non-distressed property during that time period was $167,000, it appears that, at least in Vegas, short sales may be a better bargain.


Many homeowners trash their short sales before moving out, but not quite as often as do foreclosed homeowners. With no recourse against the "big, bad bank," they'll rip out fixtures, carpets and destroy walls. Then, the bank sells them - both foreclosures and short sales - "as is."
When purchasing a short sale, at least you can meet the owners and possibly find out from them what type of, if any, work has been done with the house. With a foreclosure you don't get that chance.
Both options require extra due diligence, ordering inspections of any of the home's major systems that you have even the slightest doubt about. Inspections are the only form of "insurance" you'll have with these purchases. Sadly, not everything can be picked up during inspections. Work with your real estate agent to find qualified inspection professionals.

Vancouver Home for Sale, Gorgeous and Updated! $240,000

2009 square feet and gorgeous! Dark wood cabinets, hardwood floors, granite countertops! 3 Bedroom home in Vancouver WA for sale. Just about finished and ready for move in! For more information call, text or email. $240,000

To see more homes like this, click HERE