Coeur d'Alene Idaho Real Estate and Homes for Sale - Pam Jank - Realtor for Hayden, Hayden Lake, Coeur d'Alene, Post Falls, Rathdrum, Kootenai County, Idaho, 83814

Mortgage Rates UNDER 5%

Pam Jank (Coldwell Banker Schneidmiller Realty) — Sun, 08 Nov 2009 16:44:34 -0600

Mortgages rates currently under 5%. What a great opportunity to buy a home at some of the lowest interest rates we have seen in many years!

Current Mortgage Rates

Best Rates

	Yesterday	Today
30 Yr FRM	4.98%	4.96%
15 Yr FRM	4.44%	4.42%
FHA 30 Year Fixed	5.15%	5.11%
Jumbo 30 Year Fixed	5.96%	5.92%
5/1 Yr ARM	3.91%	3.90%
These rates do not include discount points, origination points, or loan level risk based price adjustments. Updated: 11/6/09 4:54 PM

National Average Mortgage Rates

	Rate	Points	Change
30 Yr FRM	4.98%	0.7	-0.05%
15 Yr FRM	4.40%	0.6	-0.06%
1 Yr ARM	4.47%	0.5	-0.10%
5/1 Yr ARM	4.35%	0.6	-0.07%
Source: Freddie Mac Updated: 11/5/09 2:36 PM

Please contact me to find your North Idaho Dream Home. Be sure to ask me about your free customized MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPS
Previews Property Specialist
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Pam Jank

Energy & Cost Saving Heating Tips

Pam Jank (Coldwell Banker Schneidmiller Realty) — Sun, 08 Nov 2009 16:15:19 -0600

Energy & Cost Saving HEATING TIPS:

Set your thermostat as low as you can find comfortable.
Make sure that warm air registers, baseboard heaters, or radiators are not blocked by furniture, carpeting or drapes.
Place heat-resistant radiator reflectors between exterior walls and the radiators.
Turn off kitchen, bath, and ventilating fans as soon as they have done their job (so they don't remove any more heated or cooled air than is necessary).
Keep draperies and shades open on south-facing windows during the heating season to allow sunlight in. Close them at night to reduce heat losses.
Close off unoccupied rooms, and turn down the heating for these rooms.
Add insulation to heating system ductwork that is in cold basements or attic spaces.
Use duct tape to seal ductwork that leaks hot air at joints, etc. (use UL approved tape that will last longer).
Add insulation above the ceiling, inside walls, and beneath floors.
Add caulking and weather-stripping.
Install storm windows, insulating shutters, or drapes.
Install storm or insulating doors.
If you use electricity for heating, consider installing a heat pump.
Install an air-tight wood stove.
Convert to an energy-efficient oil or gas furnace.
Consider a solar heating system.

Please contact me to find your North Idaho Dream Home. Be sure to ask me about your free customized MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPS
Previews Property Specialist
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Pam Jank

Help! An unmarked Vehicle with Flashing Light is trying to pull me over......

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 06 Nov 2009 16:18:03 -0600

Notice!
An urban legendhas circulated since 2002 claiming that motorists can dial #77 or *77 to reach the police, or to determine if the unmarked police car behind them is a real "Officer of the Law" or .... etc. As you can see from the map at http://www.911dispatch.com/911/mobilenumbers.html , #77/*77 is NOT the universal number for the police. Law enforcement recommends you either dial 911 or determine your state's local highway emergency or special circumstance number.

So, if you encounter an unmarked vehicle with flahing lights trying to pull you over, call 911 or your local Highway Notification Number (see below) to determine if it is an officer of the law, before you pull over.

http://www.911dispatch.com/911/mobilenumbers.html Highway Notification Numbers Original source: Missouri Highway Patrol, Dispatch Magazine on-line Updated 9/12/2008

Although 911 has been designated as the "official" number for reporting emergencies in the United States, manyother numbers have been implemented for reporting highway situations: accidents, intoxicated drivers (DUIs), or disabled vehicles. In most cases, dialing these special numbers routes the call to the agency with jurisdiction over the state highways or Interstates, rather than to the local law enforcement agency.

This map does not depict which states allow 911 dialing from wireless phones to report an emergency. Instead, this map show other telephone numbers established by the states to reach a state-level law enforcement agency to report highway situations, some of which could be considered "urgent."

Confusingly, calls to these numbers may also be routed to the same agency that handles emergencies for the highway, resulting in their use by motorists for actual emergencies.

Take Kansas: they have 911 service that reaches local or county agencies, but the Kansas Highway Patrol advertises three numbers: 911, *HP (to reach the Highway Patrol directly) and *KTA (to reach the Highway Patrol for turnpike-related matters).

And continuing the confusion, if you're traveling adjacent to a state boundary such as Virginia, Maryland and DC, dialing one of these special numbers could connect you with... well, who knows which state or agency you'd hear on the phone? That's the disadvantage of non-standard numbers, and of wireless phones whose signal can go in all directions.

This map was originally developed by the Missouri Highway Patrol, and has been periodically updated by DISPATCH Magazine On-Line. Let us know of any errors or changes.

Some of the alternate uses for the above numbers include:

The Iowa State Patrol Web site for a list of mobile emergency numbers.
Nextel has a list of # and * associated numbers for highway assistance.
We have a report that Colorado also has the number *CSP for reaching the State Patrol from wireless phones.
In Kansas, motorists can dial *KTA while on the turnpike.
In Illinois, the number *999 number is operated jointly by the Illinois State Toll Highway Authority and the state's DOT, and is intended for "emergencies," which the Authority defines generally as being "stranded" on the tollway.
On the Indiana toll-road, *11 reaches the state police
In Louisiana, *24 reaches the Coast Guard
Dialing *555 in Prince George's and Montgomery County (Md.) reaches the Park Police
Dialing *11 reaches Emergency Operations for the Pennsylvania Turnpike
Dialing *ISP in Idaho is intended to report DUI drivers.

I would love to help you find your North Idaho Dream! Please contact me to find your next home. Use my free MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank

Additional Tax Incentives - Tax Credits for 2010

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 06 Nov 2009 15:03:48 -0600

You may be able to benefit from additional housing related provisions, including the following:

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Tax Incentives to Spur Energy Savings and Green Jobs

This provision is designed to help promote energy-efficient investments in homes by extending and expanding tax credits through 2010 for purchases such as new furnaces, energy-efficient windows and doors, or insulation.

Landmark Energy Savings

This provision provides $5 Billion for energy efficient improvements for more than one million modest-income homes through weatherization. According to some estimates, this can help modest-income families save an average of $350 a year on heating and air conditioning bills.

Repairing Public Housing and Making Key Energy Efficiency Retrofits To HUD-Assisted Housing

This provision provides a total of $6.3 Billion for increasing energy efficiency in federally supported housing programs. Specifically, it establishes a new program to upgrade HUD-sponsored low-income housing (for elderly, disabled, and Section 8) to increase energy efficiency, including new insulation, windows, and frames.

Expanding Housing Assistance

This provision increases support for several critical housing programs. It includes $2 Billion for the Neighborhood Stabilization Program to help communities purchase and rehabilitate foreclosed, vacant properties.

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I would love to help you find your North Idaho Dream! Please contact me to find your next home. Use my free MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank

President signed - Tax Credit extension - 1st time homebuyer & NOT 1st Time homebuyer...

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 06 Nov 2009 15:00:07 -0600

Homebuyer Tax Credit Update!

On November 6, 2009, President Obama signed a bill to extend the tax credit for first-time homebuyers (FTHBs) through June 30, 2010. The bill also opens up opportunities for others who are not buying a home for the first time.

Tax Credit for Homebuyers

First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

What are the New Deadlines?

In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

Tax Credit Versus Tax Deduction

It's important to remember that the tax credit is just that... a tax credit. The benefit of a tax credit is that it's a dollar-for-dollar tax reduction, rather than a reduction in a tax liability that would only save you $1,000 to $1,500 when all was said and done. So, if a first-time homebuyer were to owe $8,000 in income taxes and would qualify for a tax credit of $8,000, she would owe nothing.

Better still, the tax credit is refundable, which means the homebuyer can receive a check for the credit if he or she has little income tax liability. For example, if a first-time homebuyer is eligible for a tax credit of $8,000 but is liable for $4,000 in income tax, she can still receive a check for the remaining $4,000!

Higher Income Caps

The amount of income someone can earn and qualify for the full amount of the credit has been increased.

Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, single filers who earn $145,000 and above are ineligible

Joint filers who earn up to $225,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, joint filers who earn $245,000 and above are ineligible.

Maximum Purchase Price

Qualifying buyers may purchase a property with a maximum sale price of $800,000.

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I would love to help you find your North Idaho Dream! Please contact me to find your next home. Use my free MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank

UPDATE -House Approved, Senate May Pass Homebuyer Tax Credit Extension Today

Pam Jank (Coldwell Banker Schneidmiller Realty) — Wed, 04 Nov 2009 15:33:17 -0600

NOTICE: Today, November 6th, President Obama signed the Extension, expanded the Eligibilty requirements, Income limits and included NON first time Homebuyers up to $800,000.

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House Approved on Tuesday Nov 3rd and Senate May Pass Homebuyer Tax Credit Extension Today (Update2)

It appears the House and the Senate may approve the extension of the tax credit today. They must have a home under contract by April 30th and it must close by June 30th. It remained at $8000 for first time home buyers. They also included a $6,500 tax credit for non first time home buyers.

It is a $45 billion plan to expand a tax credit for first- time homebuyers, extend jobless benefits and provide tax refunds to money-losing companies.

The Senate voted 97-1 to end debate on the measure and clear the way for final approval. The Senate is likely to pass the legislation and send it to the House, where Democratic leaders predicted it would be quickly forwarded to President Barack Obama to be signed into law.

I'll keep you posted.

Here are links to 2 recent reports:

House Approved: http://www.upi.com/Top_News/US/2009/11/03/House-OKs-homebuyer-tax-credit-extension/UPI-47461257303761/

AND:

Senate May Pass: http://bit.ly/2keoYs

Please contact me to find your next home. Use my free MLS home search "Portal." I would love to help you find your North Idaho Dream!

Your North Idaho Real Estate Pro:

Pam Jank

Clocks FALL BACKWARD November 1st @ 2:00 A.M

Pam Jank (Coldwell Banker Schneidmiller Realty) — Sat, 31 Oct 2009 21:24:40 -0500

Daylight Savings Time is November 1st at 2:00 A.M.

Please move your Clocks BACKWARD 1-Hour at 2:00 a.m. This change will be in effect until March 8th, 2010.

NOTE: Also, be Sure to change the batteries in all of your devices such as carbon monoxide and smoke detectors, as well as flashlights, clocks, remote controls and other battery operated devices.

Please contact me with any of your Real Estate / Relocation / New Construction and/or Referral needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro

FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-446-0660 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
1924 Northwest Blvd
Coeur d'Alene, ID 838314

Pam Jank

Just announced! Senate Panel Compromises on Tax Credit and Expands Eligibility, Income Limits

Pam Jank (Coldwell Banker Schneidmiller Realty) — Thu, 29 Oct 2009 16:18:02 -0500

Just announced!

Oct. 29--A Senate committee reached a compromise to extend the $8,000 tax credit for first-time home buyers, a boost the housing industry expects will help it pull out of its two-year-old downturn.

The compromise measure expands the tax credit to non first-time buyers and also raises income ceilings, while also extending the deadline to to April 30, 2010.
Under the new proposal, people who have lived in a primary residence for five consecutive years would be eligible for a $6,500 credit when purchasing a new property.
Incomes limits will be raised to $125,000 for individuals and $225,000 for couples, vs. $75,000 and $150,000 previously.
The maximum house value rises to $800,000.

There are a lot of details not yet released. However, it is my understanding that:

Home buyers would not have to repay the credit, provided the home remains their principal residence for at least 36 months.
The amendment includes a military waiver provision, meaning the recapture provision would not apply in the case of a member of the Armed Forces, military intelligence or Foreign Service who is on qualified official extended duty. In addition, members of the military who have been deployed overseas for 90 days or more in 2008 or 2009 would have until April 30, 2011, to claim the home buyer tax credit.
The amendment also includes anti-fraud language that provides math authority to the IRS to do greater oversight during the processing of the return rather than waiting for an audit situation. The amendment requires the taxpayer claiming the credit to be 18 or older as well as requiring a HUD-1 settlement statement to be attached when claiming the credit.

Click here for the CNBC News Article

Click here for the The Philadelphia Inquirer

Please contact me to find your next home. Use my free MLS home search "Portal." I would love to help you find your North Idaho Dream!

Your North Idaho Real Estate Pro:

Pam Jank

FHA Rate Updates for: Oct. 21, 2009

Pam Jank (Coldwell Banker Schneidmiller Realty) — Wed, 21 Oct 2009 14:52:46 -0500

Many banks have tightened up standards on their mortgage loans in the current lending enviorment. Many Homebuyers are being turned away becasue their Bank does not offer FHA financing options.

FHA is a great way to go if the borrower is putting down less than 20%, even if the borrower has an excellent credit score. Today, many banks are not offering conventional loans with private mortgage insurance for borrowers under 740 with less than 20% available for the down payment. This makes FHA Insured loans loans the only alternative for a homebuyer to obtain financing.

APR based on 3.50% down payment on a $300,000 sale price

FHA Rate Updates for:
10/21/2009

FHA Insured Program	Rate	APR
30 Year Fixed	5.000%	5.497%
15 Year Fixed	4.500%	5.853%
5/1 ARM	4.250%	3.718%
3/1 ARM	3.875%	3.389%

An FHA loan can be obtained with a credit score as low as 640. Many banks are not lending borrowers with a credit score under 680 and some even require a 740 credit score, certainly for the best terms. FHA offers great rates with reduced monthly mortgage insurance, more liberal debt to income allowance, only a 3.50% down payment requirement and up to a 6.0% seller contribution toward your buyers closing costs.

Below is a comparison of FHA and Conventional financing requirements for a $300,000 sale price on a single family residence in Orange County, California.

Loan Program	FHA	Conventional	Best Option?
Credit Score Requirement	640	740+	FHA
Maximum Qualifying Ratio	55%	44%	FHA
Down Payment Requirement	3.50%	20.00%	FHA
Base Loan Amount	$289,500	$240,000	FHA
Cash Required to Close	$11,500	$60,000	FHA
Average Closing Time	30 days	60 days	FHA

All of the the above information is deemed reliable but not guaranteed. Please verify through your local FHA Lender.

See my earlier Blog regarding USDA 102% Financing Loans. Click on the following Link:

USDA Guaranteed Rural Housing Program - 102% Financing - No Mortgage Insurance

Please feel free to contact me to find a local FHA lender. I would also love to help you find your North Idaho Dream home!

Your North Idaho Real Estate Pro:

Pam Jank

House Extends Tax Credit for 1-more Year ..........

Pam Jank (Coldwell Banker Schneidmiller Realty) — Thu, 15 Oct 2009 12:53:51 -0500

House Extends Tax Credit to Active Military for One More Year

Yesterday the House of Representatives unanimously voted to extend the $8,000 first-time home buyer tax credit to active military personnel, foreign service and intelligence officers. HR 3590 extends the existing tax credit to this group until November 30th, 2010. The bill now goes to the Senate, and is expected to pass with the same ease.

The bill was introduced by Rep. Charles Rangel (D-NY) because it was thought that military personel serving oversees this year did not have the same opportunity to take advantage of the tax credit. If the original qualifications are met, the extension applies to military personnel who spent at least 90 days of the current calendar year oversees. It also does not require borrowers to payback the tax credit if they are deployed after receiving it. The current tax credit requires borrowers payback the tax credit if they do not occupy the home within three years of receiving the tax credit.

No word yet on whether the $8,000 tax credit will be extended for all eligible borrowers.

Your North Idaho Real Estate Pro:

Pam Jank

Can a WaMu "Really Really SHORT" SALE happen?

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 12 Oct 2009 14:21:15 -0500

Seller is 77 years old and is on Social Security (no other source of income & no real assets other than an older vehicle).

I just took the listing and received an offer. WaMu has property going to foreclosure sale on October 28th (was Oct 23 but they did not record until Oct 8th ... so the 20 days should automatically postpone it to Oct 28).

CMA: $179,000 Maximum Market Value

Total owed against property: $295,000 (1st, 2nd, AND 3rd)
1st - $175,000, Washington Mutual/WaMu (Deutsche National Bank as Trustee) - Has recorded sale date
2nd - $70,000, Wells Fargo, Has not recorded sale date
3rd - $50,000 Deed of Trust - Has not recorded sale date

Offer is for: $140,000

We are 10-business days from Foreclosure Sale. Banks are closed today. Just got all the "Homework" from Seller and will have HUD 1 on Tuesday. We can't even make 1^st contact with Lender until Tuesday. We are dealing with WaMu. There are 3 against property.

And did I mention....WaMu (Washington Mutual) is the 1st? Can miracles happen? Will we be able to get an immediate 30-day postponement? Should he start to file Bankruptsy while we try?

Anyone have any experiences with this they would like to share?

Pam Jank

$159,900 - 1/3 acre - Hayden Lake CC Golf Course View Lots for Sale - Also approved for individual ownership Townhouses/Duplexes

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 28 Sep 2009 12:46:16 -0500

1623 E Miles Ave
Hayden, ID 83858
Multi-Family LOT - Hayden Lake Country Club -

Pam Jank

Realtor, GRI, CRS, ABR, RRS, PPS

Office:	Coeur d'Alene Idaho
Mobile:	208-661-2282
Website:	Visit Website

Price	:	$159,900
Lot Size	:	13,939
Community	:	Hayden Lake Counry Club
County	:	Kootenai
Property Type	:	Vacant Land
MLS Number	:	09-8634

click for more information and pictures

Property Description

Views of the Hayden Lake Country Club Golf Course 14th Fairway. This LOT is Perfect for Single family home or Individual Ownership Duplexes / Townhomes. Or even a Single Family w/Guest House. Lot is approximately 1/3 acre (90' x 154.08') plus it has 2-Sewer 2-Water Stubs/Hookups. This type of lot is very rare for this location. All utilities including Natural Gas. Honeysuckle Beach and Boat Launch are just down the road. Avondale Golf Club is right behind. Also availible, additional Single Family. Multi-Family or Townhouse/Condo with individual ownership Lot next door that has 2-sewer 2-water hook-ups.

Features List

Golf Course Views	.32 Acres	Townhouse/Condo Lot
Duplex Lot	House w/Guest	Dual Family
Single Family	90' x 154.08'	2-Sewer Hook-ups IN
2-Water Hook-ups IN	Near Beach	Near Boat Launch
HLCC in Front	Avondale Golf Behind

Equal Housing Opportunity.

Coldwell Banker Schneidmiller Realty : 1924 Northwest Blvd - Coeur d'Alene ID 83814 : Coeur d'Alene Idaho

Pam Jank

$295,000 Waterfront Lot for Sale - Hayden Lake Idaho - Foreclosure Price!

Pam Jank (Coldwell Banker Schneidmiller Realty) — Thu, 03 Sep 2009 23:41:25 -0500

$295,000 Hayden Lake Waterfront Lot for Sale - Located at Yellowstone Point on Hayden Lake - 6544 E. Sunset Beach Road - Hayden Lake, ID 83835 - Distress Sale, Foreclosure, Bank Owned price! Nothing can beat this on the lake!

6544 E Sunset Beach Rd - Hayden Lake, Idaho - www.SunsetBeach.CanBYours.com

Offered at: $295,000

See Website: www.SunsetBeach.CanBYours.com

For more pictures instantly: Text "53902" To 79564

MLS Nbr: 09-10774

P r o p e r t y I n f o r m a t i o n

Lot Size: .81 acres)

Community: Hayden Lake

Property type: Vacant Land Waterfront

County: Kootenai

Property Description

This has to be the best buy on Hayden Lake! It is priced like a Distress, Foreclosure and/or Bank Owned property. This waterfront lot is .81 acres with 109 ft of frontage. Deep Water and Beautiful Views from this Southern End of Yellowstone Point setting on Sunset Beach Road. This is an area of high-end waterfront homes and waterfront vacation cabins. Good access road and a path to beach. Property had septic approval in 2007.

Sunset Beach Road is located on the Southern Exposure side of Yellowstone Point.(Yellowbank Road is on the North Side). Take Hayden Lake Road to just past Mile Post 8, turn left onto Sunset Beach Road at the Sunset Beach Sign.

Features List

Priced to Sell NOW!	Yellowstone Point	End of Point Setting	109 ft frontage
.81 acres	Deep Water	Southern Exposure	Septic Approval
Gate to Property

A g e n t I n f o r m a t i o n

Pam Jank, GRI, CRS, AGR, RSS, PPS

Pam Jank
Realtor, GRI, CRS, ABR, RRS, PPS
Office Coeur d'Alene Idaho
Mobile 208-661-2282

Coldwell Banker Schneidmiller Realty
1924 Northwest Blvd
Coeur d'Alene, ID 83814

Web Site: www.sellingnorthidaho.com




Email: pamjank@hotmail.com

Web Site: www.sellingnorthidaho.com

Office: Coeur d'Alene Idaho
Mobile: 208-661-2282

Pam Jank

Another Great Day on the Lake in North Idaho - Hayden Lake, Idaho

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 03 Aug 2009 00:14:54 -0500

It was a another great day on the Lake in Hayden Lake, Idaho. We picked up the Lawrence's at their dock and cruised around the lake visiting our lake neighbors enjoying their docks, beaches and water toys. Afterword we enjoyed a fabulous dinner of Rib-eye Steaks and fine wine on our deck.

Ahhh, living here is like being on vacation!

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Pam Jank

Tee'd off at Wedding - Hayden Lake, Avondale on Hayden, Idaho

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 31 Jul 2009 22:13:23 -0500

I'm sitting on my deck working at my computer while watching a lovely wedding take place on the 18th tee box of the Avondale Golf Club. When to my surprise...........

As the ceremony ended each Groomsmen, all dressed in Black Tux, took turns Teeing off over the Waterfall and Pond of 18. There was alot of cheering going on, however I couldn't tell if the all made it over the water. It sounded like the Groom did! What a fun idea.

During the ceremony this young deer strolled over to the creek on 11 to have a drink. It wasn't in the least bit bothered by the Wedding Ceremony going on less than 100 feet away.

It's days like this that remind me just how fortunate we are to live in one of the most beautiful places on earth!! North Idaho, Hayden Lake, Coeur d'Alene... Truly God's footprint!

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Yes, someone in Idaho / Washington IS doing Land Loans...

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 31 Jul 2009 16:12:02 -0500

For all of you that have been looking for someone to do loans on your vacant land listings and even your parcels OVER 10 acres...

I found an Lender that is doing Land Loans right now. (must have water) Land loans at decent rates and loan to value. They are also doing properties OVER 10 acres.

Northwest Farm Services - Rhonda Baglien 509.340.5622 - or - 800.473.8998 - rhonda.baglien@farm-credit.com

I also found a few others but they don't do OVER 10 acres and want 30-35% down.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Ford Ironman Coeur d'Alene 2009- Another wild ride in the Great Northwest!

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 22 Jun 2009 02:41:11 -0500

Ford Ironman Coeur d'Alene - 2009

More than 2,000 athletes participated in the 7th Ford Ironman Coeur d'Alene. They hit the water Sunday morning, June 21, 2009, It may be summer but the weather didn't know it. The race started with temperatures in the 40s and wind picked up speed as the swimmers slogged through 2.4 miles of choppy water.

For Ironman athletes to receive an official time, they have to complete both the swim and bike leg of the race before those courses close. Athletes have until midnight to cross the finish line.

Friday, before the race, a couple of gal friends and I biked a 20 mile portion of the race. It was a cool and wet drizzle of a day but a gorgeous ride! Our 20 mile trec was about all our untrained bods could handle. It certainly gave us a whole new respect for what these athletes do.

Here are a few photos of the Bike Route, Ironman Tent City and set-up.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Car d'Lane Classic Car Show and Cruise - Starts TODAY! June 12-13, 209

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 12 Jun 2009 10:26:00 -0500

"Best Cruise in the Northwest!" - Come join in the fun of Classic Cars Cruisin' again!

Car d'Lane Classic Car Show and Cruise. The Coeur d'Alene Downtown Association and the North Idaho Classic Car Club rev-up for an exciting summer season with the 18th annual Car d'Lane Classic Car Show and Cruise for classic cars '72 and older. Join the "Best Cruise in the Northwest" from 6-10 pm on Friday. Classic Car Show 8am-4pm on Saturday. Poker Walks each day, and Saturday evening ends with Street Dance from 7 - 10 pm.

Cruise the Downtown Friday June 12, 2009 from 6 - 10 pm

Contests for Best Pipes/Best Flames

You may still Register your Car at Peterson Family Foods on Friday June 12th beginning at 9 am right on through the start of the Cruise at 6 pm.

Show & Shine Saturday June 13, 2009 8 am - 4 pm Awards at 4 pm

For More Information Call 208-415-0116 or email to: info@cdadowntown.com

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

North Idaho Calendar of Events - June 2009

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 12 Jun 2009 10:01:02 -0500

North Idaho Calendar of Events - June 2009

June 2009

Date

City

Description

May 30-Sept 5	Sandpoint	Summer Sounds at Park Place. Free concert series with shows every Saturday through Labor Day Weekend. Local and regional musicians perform at Park Place stage, corner of First and Cedar, from noon to 2 p.m., sponsored by POAC. ArtinSandpoint.org. 208-263-6139
2	Coeur d'Alene	Tourism Institute of North Idaho class. Training for front line staff in quality answering of visitor FAQs from the region's experts in tourism. Register on-line through NIC Workforce Training.
4	Sandpoint	Annual Spring Fling 6p.m., Sandpoint High School Choir Department Panida Theater.
5	Sandpoint	7:00 pm Mountain Bike Film Festival Pend Oreille Peddlers Cycling Club. The Panida Theater. www.panida.org
5	Coeur d'Alene	Art Walk Downtown Coeur d'Alene. 2nd Friday of the month. (1st Friday this month!) Enjoy an evening of exceptional art, fine dining and friends. From 5-8 pm galleries host opening receptions with the opportunity to meet the artists, listen to live music and view newly arrived works of art, all within an easy strolling distance. Coeur d'Alene Arts & Culture Alliance
5-6	Hayden	The Hayden Boat and Water Sports Show Held at Honeysuckle Beach and Hayden Lake Marina. Motorboats, Sailboats, Kayaks, Jet Skis, water sports equipment, and accessories. Demonstrations and displays. For more information, contact Hayden Chamber of Commerce at join@haydenchamber.org
5-14	Farragut	Adventure Sports Week 2009 - Farragut State Park. There will be 24 different races and contests for outdoor enthusiasts and athletes of all ages and abilities!
6	Coeur d'Alene	American Cancer Society 3 mile Fun Run/ Walk 9am-11am- Higgins Point Register On-Line
6	Coeur d'Alene	EAGLES' SATURDAY MARKET 209 E. Sherman Ave. Featuring ONLY locally made quality arts & crafts 11am-3pm. Saturdays May 23- Sept 5. This weekly event benefits Eagles' Charities. For more info contact Madeleine 765-8526
6	Priest Lake	Kids Free Fishing Derby-PL Golf Course-8 AM-1 PM
6	Bonners Ferry	Rod Bender Car Show - Boarders 3 Jamboree Classic Car show downtown Bonners Ferry
6	Bonners Ferry	Lawnmower Race - Boundary County Fair Grounds
6	Kellogg	Howl at the Moon Bike Ride, Silver Mountain
6	Sandpoint	Home and Garden Show. Dover Bay 11 a.m. to 5 p.m. Home and gardening party of the year is devoted to horticultural excellence, stylish outdoor living and home improvement. Tour Dover Bay's model homes and facilities, plus enjoy music, food, boats and more. 208-263-5493
6-7	Coeur d'Alene	Rock & Gem Show, North Idaho Mineral Club - 208/772-7643 Kootenai County Fairgrounds 446-1680
6-7	Athol	Christian Family Weekend at Silverwood Theme Park, Athol, Idaho: Two-day Christian family celebration. Buy one General Admission ticket and receive one free when you purchase your tickets in advance. (This special offer does not apply when purchasing tickets at Silverwood's front gate) For more information on locations where you can purchase advance tickets call (208) 683-3400x 126.
6,13,20,27	Sandpoint	May - Aug. Summer Sounds at Park Place. Free concert series with shows every Saturday through Labor Day Weekend. Local and regional musicians perform at Park Place stage, corner of First and Cedar, from noon to 2 p.m., sponsored by POAC. ArtinSandpoint.org. 208-263-6139
6-7	Post Falls	Post Falls Days. Parade, vendors in the park, music, family fun! Post Falls Park and Rec 773-0539
7	Post Falls	Really BIG Raffle Open House 12-4. Come view the grand prize home that will be given away July 9th. Ticketholders can sign up to win a free ticket. Info www.nic.edu/foundation/rbr or 769-3271
7	Sandpoint	6:30 pm The Lion King Studio One's annual Spring dance concert. The Panida Theater
9	Sandpoint	BCBR Barrel Racing 6:30 (Fair Office 263-8414) Bonner County Fairgrounds
10	Sandpoint	7:30 pm Saffire - The Uppity Blues Women Concert KPBX Spokane Public Radio Thank You show. The Panida Theater. www.panida.org
10	Sandpoint	Culpepper & Merriweather Circus-Bonner County Fairgrounds.
12-July27	Sandpoint	ArtWalk I, This revolving, self guided art exhibit is hosted in numerous wine bars, art galleries and other businesses throughout downtown Sandpoint. The walk gets started on June 12 with opening receptions at 20 or so downtown galleries. Walking maps available at Sandpoint Chamber of Commerce and participating venues. Admission is free. Www.ArtinSandpoint.org. 208-263-6139
	Coeur d'Alene	Opera in the Plaza A free concert featuring opera and show tunes in the Coeur d'Alene Resort Plaza
12-27	Coeur d'Alene	Forever Plaid Lake City Playhouse, 1320 E. Garden Ave, (208) 667-1323. Unless Stated Otherwise, Curtain Times Are: 7:30 PM Thursday - Saturday, 2:00 PM Sunday Matinees.
12	Kellogg	Heartfelt Thanks Citizen of the Year Dinner
12-13	Sandpoint	Relay For Life 660.1445 Bonner County Fairgrounds
12-13	Coeur d'Alene	Car d'Lane Classic Car Show and Cruise. The Coeur d'Alene Downtown Association and the North Idaho Classic Car Club rev-up for an exciting summer season with the 18th annual Car d'Lane Classic Car Show and Cruise for classic cars '72 and older. Join the "Best Cruise in the Northwest" from 6-10 pm on Friday. Classic Car Show 8am-4pm on Saturday. Poker Walks each day, and Saturday evening ends with Street Dance from 7 - 10 pm. www.cdadowntown.com or call 208-415-0116 or 208-667-5986.
13	Coeur d'Alene	KIDD ISLAND REGATTA - Hobie's & all Trailer-able Keelboats welcome! 9am 208-762-7110 www.sailcda.com
13	Coeur d'Alene	Greyhound Picnic Greyhound Pets of North America, Greater Northwest - 208/772-3149 Kootenai County Fairgrounds 446-1680
13	Coeur d'Alene	EAGLES' SATURDAY MARKET 209 E. Sherman Ave. Featuring ONLY locally made quality arts & crafts 11am-3pm. Saturdays May 23- Sept 5. This weekly event benefits Eagles' Charities. For more info contact Madeleine 765-8526
13	North Idaho	Free Fishing Day
13	Coeur d'Alene	Saddle Club Play Day Kootenai County Saddle Club - click here to go to website Kootenai County Fairgrounds 446-1680
13	Coeur d'Alene	Sheep Show & Sale, Northwest Sheep Breeders Association - 208/263-5652 Kootenai County Fairgrounds 446-1680
13	Hayden	Hayden Chamber 1st Annual Trail Ride and Pig Roast Hosted by Bridlepath Stables on Lancaster Avenue. Trail and wagon rides, roping demonstrations, target shooting and more. Beer garden and sumptuous pig roast provided by Susie's Bar and Grill. Advance tickets - $40 per person. Contact Friends of Sampson at 208.699.5238
13	Sandpoint	7:00 pm... Oil & Water and The Last Descent The Elements Tour, environmental education group. The Panida Theater. www.panida.org
13	Sandpoint	CHaFE 150, Sandpoint, Idaho: This 145-mile bike ride is a benefit for early childhood education in Northern Idaho and takes bicyclists on a spectacular route through Idaho and Montana along lakes, rivers and pastoral valleys. Although the length is challenging there are no sustained climbs. registration opens Feb 25. $120. For more information, visit www.CHaFE150.org. 208-263-7040
13	Kellogg	Pro Flow - Regional Surf Competition, Silver Mountain
13	Liberty Lake, WA	Liberty Lake yard sales. Annual Event 8 am to 4 pm. Maps, food, and tons of shopping for treasures and bargains. www.libertylakeyardsale.org
13-14, 18-20, 25-27	Coeur d'Alene	Joseph and the Amazing Technicolor Dreamcoat Coeur d'Alene Summer Theatre, Schuler Auditorium on the North Idaho College Campus. 769-7780 or 800-4-CDA-TIX or www.cdasummertheatre.org
14	Post Falls	Really BIG Raffle Open House 12-4. Come view the grand prize home that will be given away July 9th. Ticketholders can sign up to win a free ticket. Info www.nic.edu/foundation/rbr or 769-3271
14	North Idaho	Bed & Breakfast tour
14	Post Falls	Post Falls Duathlon - Race application
15-26	Coeur d'Alene	Lake City Playhouse Huckleberry Workshop. $225 each child - Monday to Friday from 10:00 AM to 3:00 PM
15	Harrison	Annual KIDS FISHING TOURNAMENT www.harrisonidaho.org
15-19	Sandpoint	4-H Horse Camp 263-8511 Bonner County Fairgrounds
17	Sandpoint	Five Minutes of Fame. Join other blossoming or seasoned poets, musicians and songbirds for monthly open mic night at Cafe Bodega in Foster's Crossing. Sign up to perform from 6:15 p.m. to 6:30 p.m. Show begins promptly at 6:30 p.m. No cover charge and open to all ages. Five Minutes of Fame happens the third Wednesday of each month. 208-263-5911
17	Sandpoint	Farm Tour. Informative bus tour to area small farms. SandpointChamber.org 800-800-2106
18	Worley	Collective Soul at the Coeur d'Alene Casino. 7 pm Reserved: $45 General: $35
18	Sandpoint	Summer Sampler, Sandpoint, Idaho: Taste the fine cuisine from Sandpoint's best restaurants, plus enjoy cook-offs, live music and more. Admission is free and tastes vary in price. At Farmin Park in downtown Sandpoint. www.SandpointChamber.org. 800-800-2106
18-20	Wallace	Lead Creek Derby/Gyro Days
18-21	Bonners Ferry	Peter Pan Bonners Ferry Summer Youth Theater, 7pm Thurs, Fri & Sat. 2pm Sun. at The Becker Auditorium 208-946-3659 or david.carpenter@mail.bcsd101.com
13-14, 18-20, 25-27	Coeur d'Alene	Joseph and the Amazing Technicolor Dreamcoat Coeur d'Alene Summer Theatre, Schuler Auditorium on the North Idaho College Campus. 769-7780 or 800-4-CDA-TIX or www.cdasummertheatre.org
19	Post Falls	Post Falls Chamber Golf Tournament, 12:30pm shot gun start at The Highlands. Sign up for a team by e-mailing megan@postfallschamber.com
19	Sandpoint	8:00 pm Voice of Reason reggae concert with "Outpost" opening, StoneHouse Productions. The Panda Theater.
20	Coeur d'Alene	Shrine Circus Coeur d'Alene Shrine Club Kootenai County Fairgrounds 446-1680
20	Coeur d'Alene	EAGLES' SATURDAY MARKET 209 E. Sherman Ave. Featuring ONLY locally made quality arts & crafts 11am-3pm. Saturdays May 23- Sept 5. This weekly event benefits Eagles' Charities. For more info contact Madeleine 765-8526
20	Harrison	Pig in the Park and June Bug Craft Faire 689-3441 http://www.harrisonidaho.org
20	Kellogg	Brad Conner Memorial Golf Tournament, Big Creek
20	Kellogg	Macro Brew Festival, Silver Mountain
20	Sandpoint	3:00 & 7:00 pm Danceworks 2009 annual Spring dance concert. The Panida Theater.
20	Bonners Ferry	Farmer's Market Garden Party - The Market hosts a spring fling for the garden. Raffle for Market Bucks good with any Bonner Ferry Market vendor. www.bonnersferryfarmersmarket.org
20-21	Athol	Father's Day Weekend Silverwood Theme Park. To celebrate Father's day, when one of Dad's children purchases a ticket at Silverwood's front gate, Dad gets in FREE. (only one free ticket per family). (You must request this offer at the time of purchase to receive your free ticket).
20-22	Sandpoint	Horsin' Around Horse & Mule Expo Bonner County Fairgrounds. The Extreme Trail Challenge, the Battle of the Breeds, horse and mule drill team competitions and other equine competitions and demonstrations will make this weekend a fun outing for the whole family. (Fair Office 263-8414 or Billie 610-5100)
20-22	Harrison	Panhandle Bass Anglers: Qualifier June 20-21, Weigh-in June 22nd, Classic July 18-19, Weigh-in July 20th
	Bonners Ferry	Kootenai River Run - 9:00am www.bonnersferrychamber.com
21	Coeur d'Alene	Ironman Coeur d'Alene-A 2.4 mile swim, 112 mile bike and 26.2 mile run all run in succession. Athletes begin their day at 7:00 a.m. and have until midnight to complete what is considered one of the toughest endurance events in the world of sports. Coeur d'Alene Idaho www.ironmancda.com or call 208-664-3194 or 1-877-782-9232
21	Spirit Lake	Spirit Lake's Big Back-In lawn mower drag races, 11 a.m. to 4 p.m. www.bigbackin.com (Call Marc Kroetch for vendor space and more information 208-623-5130)
21	Enaville	Bridge the Years - Ride the Wall
21-26	Wallace	ATV Nation
23	Sandpoint	4-H Sheep & Goat Weigh-in 263.8511 Bonner County Fairgrounds
23-25	Coeur d'Alene	Regal Cinema Riverstone Free Family Film Festival. 10AM each Tuesday and Wednesday during the festival. First-come, first-served seating is limited to theatre capacity. Space Chimps (G), Madagascar 2: Escape To Africa (PG)
24	Sandpoint	BCBR Barrel Racing 6:30 (Fair Office 263-8414) Bonner County Fairgrounds
25-27	Sandpoint	David Thompson Bicentennial. Encampment with living-history events celebrate the famed explorer. Bonner County Historical Society. Pre-registration required. 208-263-234
13-14, 18-20, 25-27	Coeur d'Alene	Joseph and the Amazing Technicolor Dreamcoat Coeur d'Alene Summer Theatre, Schuler Auditorium on the North Idaho College Campus. 769-7780 or 800-4-CDA-TIX or www.cdasummertheatre.org
26	Sandpoint	Opening Day, Schweitzer Mountain Resort, Sandpoint, Idaho (weather permitting) Summer operations begin at Schweitzer Mountain with scenic chairlift rides, mountain bike rentals, climbing wall and bungee trampoline, disc golf to name a few of the activities. www.schweitzer.com, 800.8313.8810.
26-27	Coeur d'Alene	Quilt Show, North Idaho Quilt Guild - 208/664-0448 Kootenai County Fairgrounds 446-1680
26-27	Bonners Ferry	Boundary County Rodeo www.bonnersferrychamber.com
27	Coeur d'Alene	EAGLES' SATURDAY MARKET 209 E. Sherman Ave. Featuring ONLY locally made quality arts & crafts 11am-3pm. Saturdays May 23- Sept 5. This weekly event benefits Eagles' Charities. For more info contact Madeleine 765-8526
27	Coeur d'Alene	Mudgy & Millie Community Walk. Join in the walk at the base of Tubbs Hill! Free to the Public.
27	Sandpoint	Summer Celebration at Schweitzer Mountain Resort, Sandpoint, Idaho: The opening day celebration includes FREE scenic chairlift rides, live music, wine tasting and barbecue and as always, activities like the climbing wall, hiking and mountain biking. www.schweitzer.com.
27	Priest Lake	Kaniksu Lion's Roar Dinner/Auction-Elkins Resort-4:30-9 PM
27	Pinehurst	Habitat for Humanity Pig Roast
30-July 2	Coeur d'Alene	Regal Cinema Riverstone Free Family Film Festival. 10AM each Tuesday and Wednesday during the festival. First-come, first-served seating is limited to theatre capacity. Pirates Who Don't Do Anything: Veggie Tale Movie (G), Evan Almighty (PG)
28	Priest Lake	Hill's Resort Golf Tournament-Priest Lake Golf Course 1 PM

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

ActiveRain Community Search - HGTV’s "House Hunters" Is Now Casting

Pam Jank (Coldwell Banker Schneidmiller Realty) — Tue, 09 Jun 2009 03:58:56 -0500

Via Brad Andersohn ~ Community Builder (ActiveRain):

ActiveRain Members - HGTV’s "House Hunters" Is Now Casting and Looking for YOU!

HGTV’s hit TV series, House Hunters, is looking for Homebuyers and Real Estate Agents who want to appear on the show! ActiveRain and HGTV are working together in an effort to find qualified candidates who may be interested in sharing their "House Hunting" journey on National Television.

This could be a huge opportunity, and a lot of fun for some of our members and their clients.

House Hunters follows buyers and their agents on the hunt as they find just the right house for them—and every story is different. If you’re an energetic and outgoing Real Estate Agent currently working with a Homebuyer, we'd love to hear from you.

Are you in Pennsylvania, New Jersey, Missouri, Minnesota, Georgia or Colorado?

House Hunters is currently looking for Homebuyers who are:

Buying within a 90 min. drive of downtown Philadelphia, Denver, Atlanta, Minneapolis/St. Paul and St. Louis

Closing in the next 1-2 months, this includes buyers who are actively bidding on a home or newly under contract

Fun, enthusiastic, and have a great story to tell

If you're interested, let me know and I'll forward your information to their Associate Producer. If you'd rather, you can also apply directly at HouseHunters@HighNoonEntertainment.com. Thanks for helping us find some members and clients for their show, we're excited about assisting them with this endeavor.

House Hunters airs weeknights at 9/8c on HGTV and is produced by High Noon Entertainment. To learn more about the show visit HGTV.com/HouseHunters. We appreciate your support with this Casting Quest.

Pam Jank

Rocking R Ranch - Craftsman Style - Custom Rancher - 1+acre - Creek - $659,000

Pam Jank (Coldwell Banker Schneidmiller Realty) — Tue, 09 Jun 2009 02:14:53 -0500

11298 N. Cattle Drive
Hayden, ID 83835
Large Custom 1-Level Rancher on 1+acre w/ Views!

Pam Jank

Realtor, GRI, CRS, ABR, RRS, PPS

Office:	Coeur d'Alene Idaho
Mobile:	208-661-2282
Website:	Visit Website

Price	:	$659,000
Bedrooms	:	3
Bathrooms	:	2.5
Square Foot	:	3,314
Lot Size	:	47,480
Community	:	Rocking R Ranch
County	:	Kootenai
Property Type	:	Detached
Year Built	:	2005
MLS Number	:	09-6705

click for more information and pictures

Property Description

A RARE find! Be sure to view the TABS to the LEFT of page for the *Virtual Tour *Panoramic Virtual Tour *Neighborhood Information *Demographics, etc., on this website.

This is an exquisite custom, Craftsman Style, large Rancher with 3,314 square feet all on 1-level. Plus, it is situated on 1+ acre with VIEWS! Located In Rocking R Ranch. It is only 2 miles from the Hayden Lake Country Club, even closer to Avondale Golf Club.

This high quality custom home Includes; Home Office, 3-bedrooms, 2.5 -baths, Oversized 3-car garage, Formal Informal Dining, Great Room & Family Room. *Property goes beyond rear fence*

The peaceful tranquil private backyard setting is perfect for viewing wildlife. Includes Seasonal creek, a Waterfall w/pond and a granite waterfall, Trees, Lush landscape, Stamped concrete patios (covered open), Walkways & Covered Porch.

High-end amenities inc: Hardwood floors, Sold knotty alder doors & trim, 2-stone & granite fireplaces with cherry wood built-ins. Gourmet kitchen includes Large Island & Peninsula, Solid granite counters, Cherry cabinets, Wolf range & grill, Wine cooler, Walk-in pantry, Cabinet faced Refrigerator & Dish washer. Home Office located just off Foyer w/Double doors, Hardwood floors, Bay window seat, Ceiling fan & Closet.

Large Master Suite has Hardwood floors, Sitting area, Outdoor patio, His & Her walk-in closets & Gorgeous Master bath w/Granite, Tile, Air jet tub, Walk-in shower, Double sinks & vanity. Additional 2-bedrooms, one could serve as a *Mini-Master Suite that opens to an outdoor patio.

Large utility has built-in cabinets, tile counter, sink, ironing board and storage. Separate gated pet area & RV Gates. Garage is an oversized 3-car w/ epoxy floor & workbench area. You really must view this exceptional home! *Property goes beyond rear fence*

Features List

1.08 Acres	Seasonal Creek	Trees & Mtn View
Over size 3-Car Gar	RV Gates	Waterfall & Pond
Water Features	Stamped Concrete	Covered Porch
2 Covered Patios	Home Office	Great & Family R
Formal Dining	Informal Dining	Gourmet Kitchen
Wolf Range/Oven	Hardwood Floors	Solid Wood Doors
Custom Built	High Quality	Open Floorplan

Equal Housing Opportunity.

Coldwell Banker Schneidmiller Realty : 1924 Northwest Blvd - Coeur d'Alene ID 83814 : Coeur d'Alene Idaho

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Market Summary Statistics for Hayden/Hayden Lake, Idaho - January 1st - June 1st, 2009

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 08 Jun 2009 14:57:14 -0500

MLS Summary Statistics for: Hayden/Hayden Lake

From 1/1/2009 to 6/1/2009

Search Parameters:

Property type: Residential

Status of: 'Active', 'Closed'

Sold Date between: '1/1/2009' and '6/8/2009'

Area of: '03 - Hayden/Hayden Lake

	Total	Total List Volume	Median List Price	Average List Price	DOM	Total Sold Volume	Median Sold Price	Average Sold Price	SP/LP	SP/OLP
Sold	81	$19,301,597	$195,000	$238,291	129	$17,882,845	$186,000	$220,775	92.65	86.37
List/Sold	26	$6,324,357	$169,900	$243,244	148	$5,717,772	$174,950	$219,914	90.41	81.59
Co-Broker	55	$12,977,240	$195,000	$235,949	120	$12,165,073	$186,000	$221,183	93.74	88.81
New	425	$176,893,048	$279,000	$416,218	65
Pending	72	$15,940,098	$189,900	$221,390	93
Withdrawn	1	$560,000	$560,000	$560,000	0
Cancelled	0	$0	$0	$0	0
Expired	3	$653,900	$229,900	$217,966	266
Back On Market	16	$4,754,300	$235,000	$297,143	210
Extended	77	$30,879,144	$264,900	$401,027	250
Active In Range	453	$215,394,932	$325,000	$475,485	108
Current Active	452	$215,159,932	$325,000	$476,017	108

Information is deemed to be reliable, but is not guaranteed.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

MLS Summary Statistics for: Post Falls, Idaho - January 1st - June 1st, 2009

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 08 Jun 2009 14:47:54 -0500

MLS Summary Statistics for: POST FALL & Urban areas

From 1/1/2009 to 6/1/2009

Search Parameters:

Property type: Residential

Status of: 'Active', 'Closed'

Sold Date between: '1/1/2009' and '6/8/2009'

Area of: '02 - Post Falls

	Total	Total List Volume	Median List Price	Average List Price	DOM	Total Sold Volume	Median Sold Price	Average Sold Price	SP/LP	SP/OLP
Sold	215	$41,904,772	$164,900	$194,905	124	$40,482,976	$163,000	$188,292	96.61	92.27
List/Sold	77	$15,166,321	$159,900	$196,965	109	$14,605,295	$159,900	$189,679	96.30	92.01
Co-Broker	138	$26,738,451	$168,800	$193,756	132	$25,877,681	$167,750	$187,519	96.78	92.42
New	572	$172,599,005	$192,000	$301,746	64
Pending	216	$42,035,833	$168,000	$194,610	76
Withdrawn	2	$374,900	$175,000	$187,450	66
Cancelled	2	$634,000	$175,000	$317,000	0
Expired	4	$501,700	$109,900	$125,425	161
Back On Market	28	$4,836,736	$154,000	$172,740	132
Extended	121	$36,317,648	$199,900	$300,145	251
Active In Range	522	$183,014,145	$224,900	$350,601	118
Current Active	521	$182,855,145	$224,900	$350,969	118

Information is deemed to be reliable, but is not guaranteed

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Coeur d'Alene - Dalton Gardens - MLS Summary Statistics - January 1st - June 1st, 2009

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 08 Jun 2009 14:42:03 -0500

MLS Summary Statistics - for Coeur d'Alene, Dalton Gardens, Urban

From 1/1/2009 to 6/1/2009

Search Parameters:

Property type: Residential

Status of: 'Active', 'Closed';

Sold Date: between '1/1/2009' and '6/8/2009';

Area of: '01 - Cd'A Urban/Dalton'.

	Total	Total List Volume	Median List Price	Average List Price	DOM	Total Sold Volume	Median Sold Price	Average Sold Price	SP/LP	SP/OLP
Sold	247	$49,074,230	$165,600	$198,681	116	$47,212,691	$162,400	$191,144	96.21	91.56
List/Sold	82	$19,177,825	$169,000	$233,875	127	$18,384,929	$160,000	$224,206	95.87	89.92
Co-Broker	165	$29,896,405	$165,000	$181,190	110	$28,827,762	$163,900	$174,713	96.43	92.64
New	803	$280,450,664	$217,900	$349,253	69
Pending	220	$43,240,097	$166,000	$196,545	87
Withdrawn	2	$2,500,000	$1,250,000	$1,250,000	0
Cancelled	2	$674,900	$209,900	$337,450	0
Expired	1	$529,000	$529,000	$529,000	181
Back On Market	40	$12,132,399	$177,900	$303,309	178
Extended	171	$63,073,744	$254,900	$368,852	255
Active In Range	817	$345,665,707	$254,900	$423,091	119
Current Active	817	$345,665,707	$254,900	$423,091	119

Information is deemed to be reliable, but is not guaranteed.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Six Simple Things You Can Do to Ensure a Smooth Home Purchase

Pam Jank (Coldwell Banker Schneidmiller Realty) — Sat, 06 Jun 2009 20:36:56 -0500

Six Simple Things You Can Do to Ensure a Smooth Home Purchase

Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:

1. Check your credit.
Before you apply for a home loan, regardless of your credit, it's a smart idea to obtain a copy of your credit report from the three major credit bureaus and review the information. If there are errors or things that need to be addressed, it's easier to address them before you have found a house, than after you have found a house and are trying to close your loan.

If you know that there are a few blemishes on your credit, let your lender know what they are, why they are there, and why you are a still good credit risk. Lenders look at your credit to determine how likely you will pay back the loan. If you had extenuating circumstances - like a loss of a job or medical bills - let them know so that they understand that it is not likely to happen again in the future.

2. Get approved before you buy.
An approval means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase. As long as the home appraises for at least the purchase price, the loan should close.

Getting approved also gives you an advantage over other buyers. Your firm approval makes it easier for you to negotiate on the price of a home, than a person who is not approved or is pre-qualified.

While getting pre-qualified may sound official, it is really just getting an idea of what you can afford. Its having a person plug in a few numbers that you give them - your monthly income and your monthly debt - and getting an approximate payment calculated. From the payment, the calculator can approximate the house price range that you can afford. No information is verified. Because your assets, income or credit is not verified, a pre-qualification has little value when purchasing a home.

3. Find a great buyer's agent or buyer's rep. Get the highest level of representation by using an agent with the ABR® Designation (Acredited Buyer's Representative). Traditionally real estate agents represent the sellers in a transaction. When you are not working with a buyer's agent, they are less likely to negotiate the best price or contingencies for you. Just REMEMBER not all buyer's reps are equal. A buyer's rep who has earned the Accredited Buyer's Representative (ABR®) REALTOR® designation has made an extra effort to raise the bar, with additional training and experience in serving you, the homebuyer. If you work with an ABR®, you can feel more confident that you'll receive the highest level of buyer-representation services.

A buyer's agent's job and fiduciary responsibility (meaning legal duty) is to you, the buyer. Before working with an agent, establish if they are a buyer's agent or a seller's agent. After spending a lot of time with a Realtor, it's natural to feel like you're a team. But if they are not negotiating for you, then they are not on your team.

4. Learn about the neighborhood.
Often times the house you find may be in a neighborhood that you're not familiar with, which is ok. It just means that you'll have to do a little more research. If you find a house that you like, ask for a list of the neighborhood properties that sold in the last year. How does your home rank? Is it at the top of the price range? If so, it might be hard to resell. Is it average or on the low end? If so, great - as the other home prices go up in value, they will pull your home's value up as well.

Check out the schools - are they sought after? A good school district means your neighborhood will always be valued by families which is a great reassurance to purchase, not to mention the value-add if you have school-age children.

Next, contact the police station and obtain crime statistics? Are they acceptable to you? Sometimes, if they won't give them to you, it could be a cause for alarm.

Talk to the neighbors. The more people you talk to, the better sense you will get of who makes up the neighborhood and how they will effect your time spent in it.

Check out the location of the shopping, police and fire stations, schools, and air traffic overhead. These are all things that might affect your property value or quality of your life.

5. Protect Yourself.
Ask your Realtor for a copy of the documents you will be asked to sign if you decide to buy the house. Read them ahead of time so that you'll understand the questions that you will be asked, the things you need to know, and the decisions you will need to make.

6.) Have reasonable expectations.
There is a lot of money at stake. No house is perfect. Understanding and remembering these two statements will help diffuse the negotiation stage, the inspection stage and the closing stage.

Emotions are high for both buyers and sellers. - The seller may have loving memories and years of sweat equity in the house. Maybe they are being relocated and don't want to go. Understanding their motivations for selling will help you appreciate their situation and predicament during these emotional times.

There is a lot of money at stake for all the parties involved (and that includes the realtors) - Just remember that market value (the value of a home) is the price that a willing buyer and a willing seller can agree to. If you can not agree on a price, ask yourself: Is there something you missed? Are there comparables that support the price that they want? Are there motivations that might factor into the price they are demanding? In the end, does it matter? What is the house worth to you today and what do you think you can reasonably sell it for based on the amount of time you plan to spend in it? Think about the answers to those questions before you make your move.

No house is perfect - Always get an inspection. It might be a few hundred dollars, but it's worth it. It's the inspector's job to find any problems with the house that could cost you thousands to repair down the road. Some inspectors have a tendency to over play the importance of their role and the items that they find. Get objective opinions that you trust before making a decision on an inspection report. Likewise, if an inspector says a foundation is cracked but its nothing to worry about - get a second opinion. Ask a handyman for an idea of how much repairs will cost and how complicated they are. The home buying process is an emotional, complex and time-consuming process, but it is worth it. Nothing compares to owning your own home in a neighborhood that you chose.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Coeur d'Alene Idaho Real Estate and Homes for Sale - Pam Jank - Realtor for Hayden, Hayden Lake, Coeur d'Alene, Post Falls, Rathdrum, Kootenai County, Idaho, 83814

Mortgage Rates UNDER 5%

Energy & Cost Saving Heating Tips

Energy & Cost Saving HEATING TIPS:

Set your thermostat as low as you can find comfortable.

Make sure that warm air registers, baseboard heaters, or radiators are not blocked by furniture, carpeting or drapes.

Place heat-resistant radiator reflectors between exterior walls and the radiators.

Turn off kitchen, bath, and ventilating fans as soon as they have done their job (so they don't remove any more heated or cooled air than is necessary).

Keep draperies and shades open on south-facing windows during the heating season to allow sunlight in. Close them at night to reduce heat losses.

Close off unoccupied rooms, and turn down the heating for these rooms.

Add insulation to heating system ductwork that is in cold basements or attic spaces.

Use duct tape to seal ductwork that leaks hot air at joints, etc. (use UL approved tape that will last longer).

Add insulation above the ceiling, inside walls, and beneath floors.

Add caulking and weather-stripping.

Install storm windows, insulating shutters, or drapes.

Install storm or insulating doors.

If you use electricity for heating, consider installing a heat pump.

Install an air-tight wood stove.

Convert to an energy-efficient oil or gas furnace.

Consider a solar heating system.

Please contact me to find your North Idaho Dream Home. Be sure to ask me about your free customized MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPSPreviews Property SpecialistWeb: Coeur d'Alene Idaho Homes for Saleemail to:pamjank@hotmail.comPhone: 208-661-2282Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275COLDWELL BANKER SCHNEIDMILLER REALTY435 W. Hanley AvenueCoeur d'Alene, ID 838315

Help! An unmarked Vehicle with Flashing Light is trying to pull me over......

Additional Tax Incentives - Tax Credits for 2010

President signed - Tax Credit extension - 1st time homebuyer & NOT 1st Time homebuyer...

UPDATE -House Approved, Senate May Pass Homebuyer Tax Credit Extension Today

NOTICE: Today, November 6th, President Obama signed the Extension, expanded the Eligibilty requirements, Income limits and included NON first time Homebuyers up to $800,000. -------------- House Approved on Tuesday Nov 3rd and Senate May Pass Homebuyer Tax Credit Extension Today (Update2)

Clocks FALL BACKWARD November 1st @ 2:00 A.M

Daylight Savings Time is November 1st at 2:00 A.M.

Just announced! Senate Panel Compromises on Tax Credit and Expands Eligibility, Income Limits

FHA Rate Updates for: Oct. 21, 2009

House Extends Tax Credit for 1-more Year ..........

Can a WaMu "Really Really SHORT" SALE happen?

$159,900 - 1/3 acre - Hayden Lake CC Golf Course View Lots for Sale - Also approved for individual ownership Townhouses/Duplexes

$295,000 Waterfront Lot for Sale - Hayden Lake Idaho - Foreclosure Price!

$295,000 Hayden Lake Waterfront Lot for Sale - Located at Yellowstone Point on Hayden Lake - 6544 E. Sunset Beach Road - Hayden Lake, ID 83835 - Distress Sale, Foreclosure, Bank Owned price! Nothing can beat this on the lake!

6544 E Sunset Beach Rd - Hayden Lake, Idaho - www.SunsetBeach.CanBYours.com

Offered at: $295,000See Website: www.SunsetBeach.CanBYours.com

P r o p e r t y I n f o r m a t i o n

Property Description

Features List

A g e n t I n f o r m a t i o n

Another Great Day on the Lake in North Idaho - Hayden Lake, Idaho

Please contact me with any of your Real Estate / Relocation / Referral needs:

Tee'd off at Wedding - Hayden Lake, Avondale on Hayden, Idaho

Yes, someone in Idaho / Washington IS doing Land Loans...

Ford Ironman Coeur d'Alene 2009- Another wild ride in the Great Northwest!

Ford Ironman Coeur d'Alene - 2009

Car d'Lane Classic Car Show and Cruise - Starts TODAY! June 12-13, 209

"Best Cruise in the Northwest!" - Come join in the fun of Classic Cars Cruisin' again!

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North Idaho Calendar of Events - June 2009

North Idaho Calendar of Events - June 2009

Please contact me with any of your Real Estate / Relocation / Referral needs:

ActiveRain Community Search - HGTV’s "House Hunters" Is Now Casting

Rocking R Ranch - Craftsman Style - Custom Rancher - 1+acre - Creek - $659,000

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Market Summary Statistics for Hayden/Hayden Lake, Idaho - January 1st - June 1st, 2009

Please contact me with any of your Real Estate / Relocation / Referral needs:

MLS Summary Statistics for: Post Falls, Idaho - January 1st - June 1st, 2009

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Coeur d'Alene - Dalton Gardens - MLS Summary Statistics - January 1st - June 1st, 2009

MLS Summary Statistics - for Coeur d'Alene, Dalton Gardens, UrbanFrom 1/1/2009 to 6/1/2009

Please contact me with any of your Real Estate / Relocation / Referral needs:

Six Simple Things You Can Do to Ensure a Smooth Home Purchase

Six Simple Things You Can Do to Ensure a Smooth Home Purchase

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPS
Previews Property Specialist
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

NOTICE: Today, November 6th, President Obama signed the Extension, expanded the Eligibilty requirements, Income limits and included NON first time Homebuyers up to $800,000.

--------------

House Approved on Tuesday Nov 3rd and Senate May Pass Homebuyer Tax Credit Extension Today (Update2)

Offered at: $295,000

See Website: www.SunsetBeach.CanBYours.com

MLS Summary Statistics - for Coeur d'Alene, Dalton Gardens, Urban

From 1/1/2009 to 6/1/2009