Oregon's Real Estate Blog

AND...On the next episode of House Hunters...."Realtor Enter's The Wrong House!

Sandy Mitchell (The Kelly Group, Keller Williams) — Mon, 08 Aug 2011 16:43:35 -0700

I woke up this morning to an email from an agent who shared the experience she had been through over the weekend. I laughed so hard, I cried. This is every realtor's nightmare but it really happened. Here goes:

"Ok, did I do a complete blunder.... I showed xxxxxx street this weekend. I drove up, saw the for sale sign at the end of the road, turned left, was waved to by the owner weeding at the front of the long driveway. I parked my car and proceeded into the unlocked back door because after looking around the whole perimeter of the house for an unseen lock box, I thought I remembered the listing agent saying the back door would be open (which it was). Much to my dismay, I was in the wrong house and the naked husband that was upstairs was pretty startled by my clients and I standing in his kitchen commenting on the lovely appliances...Ok, I didn't see complete frontal nudity but it was obvious he was in the buff. Let's just say he wasn't too please with us! And to add to my horror, he bellowed out his disgust with the fact that both my client and I had our shoes on and they NEVER allow shoes in their home! I had not taken my shoes off (which I always do) and didn't put on the booties in the box by the front door because I came in the back door and it was a wood floor. AND, just the fact that they had blue booties in a box by the front door added to my delusion that I was in the appropriate house.

The point is, the listing agent needs a directional pointing to the right, under the for sale sign because The naked man and then his wife who I met on my way out the driveway (still don't know why she waved at me turning into her dirveway and didn't question me getting out of the car, scurrying around her house looking for a lock box, then disappearing for 5 minutes?????) said that many times people have turned down their driveway and realized they were at the wrong house. But of course, no one ever went as far as venturing into the house. Too funny now, but needless to say it was a startling and embarrassing situation at the time! Thank goodness my client has a good sense of humor.

Agents, please give us clear directionals, Nuff Said.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

So Your Agent Doesn't Want To Show You Houses?

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 14 Jul 2011 13:36:19 -0700

If you're working with an agent, be honest and don't have anther agent do your agents job! Your agent deserves a commission only if he/she does their job, if they're too lazy to show you the house, maybe you should re-think your relationship with that agent and hire one that's willing to work for the commission.

Via Debe Maxwell - Search Charlotte Homes for Sale - Charlotte NC Neighborhoods (iCharlotteRealEstate.com Savvy + Company Real Estate):

So Your Buyers Agent Doesn't Want To Show You Properties?

Here's my opinion of agents who request that their buyers contact the listing agents to show them homes...

A user on our website who had been 'with us' on our site for a month indicated that she and her husband are in the market to buy a home in one of our specialty areas. The buyer sent contact information, including phone number. When the time was perfect, they decided that they wanted to see only one house. That house was not our listing but, as you know, was on our site due to our IDX feed.

The couple and their family had driven by the house to check it out from the street and fell in love. They simply MUST see this property before their family leaves town. I get the call--"Okay, we're ready to see it!"

After several conversations about agency and confirming that this couple is NOT working with an agent, I referred them to one of our agents--ready to go! Pre-qualified, no agent representation and a home to show in her area of expertise. A perfect fit, right?

During their visit, it was discovered that the potential buyers know the neighbors, who wound up buying one of the referral agent's listings. They parted on good terms, excited to forge a nice working relationship. Following the showing, the potential buyer emailed our agent to thank her for showing the property but, kindly refused to sign a buyer's agency with her because she ALREADY HAS AN AGENT! As a matter of fact, it's the same agent who sent a buyer to our agent's listing that they discussed earlier in the day.

Their agent NEVER laid eyes the home that she sold next door for those buyers! She lives 35 minutes away and has her clients phone the listing agents to view the properties in our area! Rather than refer the clients out, she expressly complains that she knows nothing about the area and that she won't make the trek to Charlotte to show homes so the listing agents can do her work for her. She also does NOT attend inspections with her buyers--again, she allows the listing agent to do her work for her! Also, she's obviously not even sending her clients listings because they're searching for homes on OUR SITE! (And, what do you find there? Every IDX shared listing in our MLS.)

This is just wrong on SO many levels--not even to mention the burden on the other agents. This MIA agent has completely neglected her fiduciary duties to HER clients. If she does not know the area, how does she oversee the due diligence for HER clients?

How are her clients okay with this type of service? We're paid well to do what we do. How can any client accept this type of far-less-than-full-service?

I can tell you one thing, I refer out to her area but, will never refer a client to her--NEVER. Who knows how she manages clients in her own area? Perhaps it's not that she doesn't know the area, maybe she's working full-time at the mall!

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Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Did I commit fraud on my mortgage application?"

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 13 Jul 2011 14:41:43 -0700

Did you change jobs in the middle of your home buying process? Were you employed when you started the process and then became self employed? Even if you're in the same line of work, the bank will most likely not finance your loan.

Via Karen Burket-Bank of Oregon Home Loans Conventional, FHA, VA, mortgages (Bank of Oregon a division of Willamette Valley Bank ):

Did I commit fraud on my mortgage application?

I was having my weekly meeting with a circle of Realtors this morning and some discussions were going around with regard to potential buyer fraud during the course of the transaction. After our meeting, I forwarded this blog post to all of the agents who were involved in this discussion. Because of the timing, I thought what better time to repost this here.

Did I commit fraud on my mortgage application?

It came to my attention recently that it appears many folks possibly aren't being coached or taught properly as to what you, as the borrower should be, and more importantly, should NOT be doing, before, during and after the mortgage application process. In this post, let's get into some important information with regard to potential fraud on a mortgage application.

It's important for borrowers to understand that any change they make to their current credit, financial, or employment picture could very well have a negative effect on their ability to secure the financing they are seeking. I'm sure the last thing that any borrower wants to hear is that several weeks into the lending process, their loan was declined due to lending policies and protocol they weren't even aware of.

In light of this, I'd like to offer the following in hopes this will save anguish and grief to those who may be seeking to obtain a new mortgage loan and want to avoid any potential fraud with regard to the mortgage application.

I just recently spoke with a potential client who was unable to secure financing with the lender she had been working with for the past few months because in this case, her employment status had changed. Just weeks before the close of escrow date on the purchase, it was learned that this borrower had gone from being a salaried wage earner, to now being self employed. You may ask yourself, "So, what's the big deal? If there's still a job, why can't the bank still lend the money?" The answer to that may not be as simple as one would think.

In this case, the client remained in the same line of work. So simple, right? Actually, no. The typical rule of thumb when lending to a self employed individual is that the lender will want to evaluate two years worth of tax returns in order to determine income eligibility. So in the above case, because this client just recently put themselves on a self employed status, of course, there aren't tax returns available to determine what newly self employed earnings even exist. Again, you may ask yourself "I don't understand the problem. If the client is in the same line of work, and they've been doing that job for a significant period of time, why won't the bank lend the money?" Well, let's look at it this way.

Let's say you are a baker for a local grocery store in their bakery department. At the beginning of your loan application you provided your mortgage lender with current pay check stubs and your W-2's for the previous two years. So, sometime during the mortgage approval process you think to yourself, "heck, I'm one of the best bakers here at the bakery, I bet I can make more money selling my cakes and cookies on my own rather than just working for the bakery department!" While you may be the best cookie and cake baker out there, merely having the skills to bake a cake, doesn't necessarily mean one has the ability to run their own business. There are licensing requirements, food safety and health issues, and all of those things would currently be on the shoulders of the grocery store. That is their liability issue, not yours as the employee. So, from a lender's point of view, they have no way of knowing or verifying how well this business is going to succeed, since there is no documented history of it. Make sense?

So, with regard to the actual client I cited. After they understood the "why" obtaining financing would be most impossible due to the newly self employed status, I offered suggestions as to how we could possibly proceed in still obtaining a loan approval, providing they went back into a W-2 status. The lender would require a very good letter of explanation regarding this. In this case, unfortunately, the client wasn't willing to proceed as per my suggestion. Instead, they gave me reason to believe (verbal information they provided to me over the phone) that documents could in essence be "manipulated" to indicate they were still salaried. They wanted no one to be the wiser they were really self employed.

So, several problems occurred because of this. Falsifying of any credit documents or providing misleading or false information on the mortgage application can be flagged as fraud. Regular pre-closing and post-closing audits are conducted on mortgage files. Should an audit determine fraud on the mortgage application was involved, not only could the lender call the note "due and payable", but parties involved in the transaction could face prosecution.

Consumers should also be aware of that many lending and bank institutions' employees are required to report any suspicious activity through the SAR (Suspicious Activity Report) or similar, reporting system.

I believe it's the goal of all lending institutions and their employees to make the mortgage process as easy and seamless for all parties involved, and I believe the best way to achieve that is for the borrower to be educated in what's involved. In addition, I feel it's important for the lending professional to successfully coach their clients as to potential pitfalls that may occur during the process, or even after the transaction has closed.

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Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

But It's Your Job To Show Houses!!

Sandy Mitchell (The Kelly Group, Keller Williams) — Sat, 30 Apr 2011 13:49:11 -0700

Excellent post, before you ask to see a home, please make sure you are ready, willing and able to purchase a home. If you need the name of a lender, give me a call, there are several I work with and recommend.

Via Liz and Bill Spear RE/MAX Elite Warren County Ohio: Cincinnati to Dayton (513.265.3004 www.LizTour.com):

"But It's Your Job To Show Houses!!"

That's a quote we'd NORMALLY agree with! But there's an important condition that applies, the buyers MUST actually be able to purchase the home.

We're not here to just show homes willy nilly! It's got nothing to do with gas pushing $4 a gallon and EVERYTHING to do with our obligations to our clients.

Our sellers expect us to bring QUALIFIED buyers through their door. Otherwise, would YOU want to be asked to leave your home for an hour or two just so someone can take a guided tour? Wouldn't really appeal to you if you knew those "tourists" couldn't actually purchase your home would it?

And as much as we'd PREFER to not show homes until we know the buyer has a preapproval letter, in the interests of not discouraging buyers from looking at our listings, we typically WILL make that first showing "for free". There are too many competing homes on the market for us to bypass what might be a valid opportunity. So we and our sellers will permit that initial disruption to our schedules to make sure the opportunity is created. But after that, a preapproval letter is required. If you're able to be financially qualified, they're actually pretty quick to get from a reputable mortgage company. And if you don't have a trusted mortgage loan officer, you bet we can help with that!

And you know what else? It protects YOU as the buyer! The LAST thing we ever want to do is take you into a home, have you fall in love with it, and THEN realize it's just a bit above what you can afford! It's a heart breaker to all of us, and we HATE to break hearts. So a little preliminary work truly is in YOUR best interest. And that mortgage check might tell you NOW is not the time to buy your home. We're patient individuals, whether you're ready to go today, or a year or two from now, we'll be ready and happy to serve you!

So if we tell you "NO", we're not going to show you any more homes until you get a preapproval letter, it's not just to be mean! It's our job to guard both the seller's and YOUR best interests, and getting you that preapproval letter is a critical component!

Serving Warren County's residential real estate needs,
Liz and Bill aka BLiz

The Liz Spear Team
Elizabeth & William Spear
RE/MAX Elite
Two locations: Lebanon & Mason, OH
Office direct: 513-248-3660
Liz direct: 513-265-3004
Fax: 866-302-8418

MailTo: Liz@LizSpear.com Visit: http://www.LizTour.com

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Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

There IS a New Real Estate Transfer Tax in the ObamaCare Law

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 22 Jul 2010 10:51:54 -0700

New Taxes Just Keep Rolling In. When Is It Going To Stop?

Via Lane Bailey - REALTOR & Car Guy (Diamond Dwellings Realty):

Image via Wikipedia

One of the forums in which I participate has had stories on both sides of this issue for a couple of months… with the more conservative members saying that there is a 3.8% sales tax on the sale of homes, and those that are more supportive of the President and his policies saying that there isn’t.

Neither side was real specific about their information source… talk radio for some, blogs for others… nobody seemed to be going to the source… the 20,000+ page law signed by the President. In all fairness, there is a LOT of room in 20,000 pages to hide a lot of little Easter Eggs like this. And being fair to the other side, if there isn’t a tax, the bill isn’t going to say “there is not a tax” anywhere…

I have an answer…

There is indeed a tax on the sale of real estate. It doesn’t apply to many people, but it WILL apply to some people that have profit from the sale of their homes. Starting in 2013, those with incomes over $200,000 will have to pay a 3.8% tax on profit from the sale of their primary residence or investment properties. The exact amount will be based on a formula that includes the profit from the property and the income above $200,000. The tax is not an income tax, but rather it is a “payroll tax”… officially it is a Medicare Tax.

It does not just apply to real estate, but also applies to investment income and dividends.

The bottom line is that both groups are right… and both are wrong.

But…

It will drive another nail into the luxury real estate market. It has been in the doldrums for a while. Adding new taxes will not get it going again. And if you are thinking that this only affects ‘the wealthy’, think again. Those homes are not built by ‘the wealthy’. Those homes are not renovated by ‘the wealthy’. Those consumers are more likely to hire contractors to do improvements. And they are more likely to update more often… They are a driver in the housing sector. This added tax is NOT putting gas in the tank…

from LaneBailey.com

Unless otherwise noted, all content of this blog is the property of Lane Bailey, ©2009 Lane Bailey.

I'd love to hear from you...

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Events & Happenings in Yamhill County July 8th through July 11th, 2010

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 07 Jul 2010 19:02:59 -0700

July 8th: Brown Bag concert series's from noon to 1:30 in the US Bank Plaza on the corner of Northeast Third & Davis Streets. For More information, call the McMinnville Downtown Association @ 503-472-3605

July 8th: McMinnville's Farmers Market is from 1:30 to 6:p.m. On Cowls street between Northeast 2nd and 3rd. Cana's Feast will offer wine tasting and Nancy McCann & Corine Manroe will perform. For More Info: call the McMinnville Downtown Association @ 503-472-3605

July 9th: Dunk Tank! From 4:30pm to 7:30pm. Raising money for the Mac High Grad Night. County Commissioner Mary Stern can be dunked from 4:30 to 5:30, MHS principal from 5:30 to 6:30 and Mac Mayor Rick Olson from 6:30 to 7:30. Part of Turkey Rama, the tank will be at the corner of northeast 3rd and Cowls streets. Two balls for $1.00. For more info, contact Nicole Obrist at 971-237-2658 or nobrist2@wsi-insurance.com

July 9th: Portland Groove Collection will play Jazz from 7 to 9:30 p.m. at Evergreen Aviation & Space Museum off Hwy 18, Admission is free; refreshments will be sold. For more information, call 503-434-4815 or e-mail events@sprucegoose.com

July 9th: Yogis of McMinnville invites children ages 2 and older to a yoga pajama party so their parents can enjoy a night out. From 6:30pm to 8:30pm at the studio, 540 NE 3rd St. Kids may dress in their pajamas & bring an extra pair in good condition for a child in need. Sheets, towels, linens & new other household goods will also be collected. Cost is $15.00, additional $5 per sibling in same family. Preregistration is required; contact Kristi Strong @ 503-537-3871 or kristiemell@gmail.com For more information, visit www.yogishathayoga.com

July 9th: Teen Movie: Newberg Public Library will show "Lightning Thief" from 8:00 to 10:00pm at: 503 E Hancock St. . Film is rated PG for violence, scary images, suggestive material and mild language. Admission is free. For more information, call K'lyn Hann at 503-554-7732.

July 9th -11th: Powwow; The Grand Ronde Tribes will hold its annual Veterans Powwow at the Uyxat Powwow Grounds. Grand entries will be at 1 pm Saturday and Sunday and at 7pm Saturday. Arts, crafts and food vendors will sell their wares. Parking is Free. No pets, drugs or alcohol are permitted. For more information, call Chris Tinney at 503-883-3610 or 1-800-422-0232.

July 10th: Scout Fundraiser: McMinnville Boy Scout Troop # 266 will hold a bottle and can drive from 9:30am to 3:00pm Saturday July 10th in the parking lot at Columbia Bank, 723 NE Baker St. McMinnville. For more information call 503-434-8661

July 10th: Rummage Sale Benefit from 9:am to 4 pm. in the fellowship hall parking lot at St. John Lutheran Church 2141 NE McDonald LN. Proceeds will be divided between the scholarship fund and school curriculum for St. John Lutheran School & Little Lams Preschool. For more information, call Kathy at 503-883-9045 after 7 pm. (or leave a message)

July 10th:Run/Walk: The annual Turkey Trot, 8k run and two-mile walk will raise money for the Willamette Valley Cancer Foundation. 8:am at 417 NW Adams. cost is $15.00 for the run, $5.00 for the walk. For more info, call 503-472-6196 or visit www.mcminnville.org/turkeyrama/trot.html.

July 10th: Book Sale. Friends of the McMinnville Public Library will hold a book sale from 10:am to 2:pm in the library's Carnegie Room 225 NW Adams. Books are usually sold for $1.00 or less. For more information about the sale on the second Saturday of each odd numbered month, call Duane Bond @ 503-435-1053.

July 10th: Star Gazing: Evergreen Aviation & Space Museum will hold a stargazing party featuring Mars at 7 pm. General Admission is $20.00. For more information call Kasey Richter at 503-434-4006 or kasey.richter@sprucegoose.org.

July 10thWine and Art Fundraiser: McMinnville Rotary will hold its annual Oregon Wine & Art Auction "Uncorked" at Methven Family Vineyards, 11400 Westland Lane, Dayton. Beneficiaries are the Virginia Garcia Foundation, the local Cancer Foundation and other Rotary Charities. Admission is $125.00. For reservations or more information, visit www.theoregonwineandartauction.org

July 10th & 11th:Lavender Festival: The Yamhelas Community Resource Center will hod its annual Yamhill Lavender Festival with live music, art, handmade crafts, live art, food, beverages and lavender from 10am to 9 pm. and Sunday the 11th from 10am to 5pm. at Beulah Park in Yamhill at the corner of Hemlock and 3rd ST. Admission is free; canned food donations will be accepted. For more information, contact Jennifer Hurley at jennifer@ycenter.org or 503-927-7041

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Yamhill County July, 2010 Events & Happenings!

Sandy Mitchell (The Kelly Group, Keller Williams) — Fri, 02 Jul 2010 13:35:04 -0700

Looking for something to do in Yamhill County for the first half of July? Here's a list of events and happenings around Yamhill County. There ought to be something here that grabs your attention. How about the Newberg Art Walk? Tunes on Tuesday? Looking for a fireworks show on the 4th of July? What about the Lavender Festival? No, well then, what about a Wine Maker's Dinner?

Jaycee's 4th of July Extravaganza:

http://www.mcminnvillejaycees.com/

McMinnville Jaycees - Junior Chamber of Commerce | McMinnville, OR Chapter

www.mcminnvillejaycees.com

IMPORTANT - Evergreen Museum has chosen to instate a $4 mandatory parking charge for all event goers this year. None of this money is going to the Jaycees, and no Jaycee will be handling any of the money gathering. Please come prepared to pay to park.

July 2 Newberg ARTwalk
Downtown Newberg will hold an ARTwalk from 5–9 pm on the first Friday of each month. A number of shops stay open for shoppers during the ARTwalk. For more information, contact Sally Dallas at 503-538-0888 or sally@newbergallery.com

July 9-10"Fifty Years of Turkey Fun!" - Turkey Rama
One of McMinnville's oldest traditions, Turkey Rama is celebrating its 50th year in 2010. Turkey Rama is a community festival to observe the historical importance of the once thriving turkey business in the surrounding county. The McMinnville Area Chamber of Commerce and the McMinnville Downtown Association are partnering once again to present the 2010 festivities which will feature the "World's Largest Turkey BBQ," the Downtown Festival in Historic Downtown McMinnville, the Turkey Trot (8K Race/2M Walk), the Biggest Turkey Contest, a Community Sock Hop, and much more! For more information, visitwww.mcminnville.org/turkeyrama or call the McMinnville Area Chamber of Commerce 503-472-6196 or the McMinnville Downtown Association 503-472-3605.

Turkey Rama 2010 | Turkey Rama | McMinnville Area Chamber of Commerce

www.mcminnville.org

A thriving, sustainable, connected community… IN McMinnville! In the heart of Oregon wine country. Striving to be the premier resource for business programs, services, advocacy and networking.

Yamhill Valley Lavender Festival

COME RELAX WITH US AT THE OREGON LAVENDER FESTIVAL JULY 10 - 11, 2010

Yamhills Community Resource Center (YCRC) presents the Yamhill Lavender Festival in historic Yamhill. Live music, extraordinary art, exceptional handmade crafts, live plants, and lavender in myriad forms. Spend a lazy summer day in Yamhill's Beulah Park, just off of Hwy 47 on 3rd Street, while you feast on lavender-based cuisine along with a glass of local beer and wine. Admission is free. Join us Saturday 10 am - 9 pm and Sunday 10 am - 5 pm For more information visit www.OregonLavenderFestival.com.

July 13th, Tunes on Tuesdays

The Chehalem Valley Chamber of Commerce is currently planning the fourth season of The Tune’s On Tuesday free outdoor concert series.

The 2010 season will kick off in Rotary Centennial Park on Tuesday, July 13 through Tuesday, August 31.

The concerts are held from 6:00 to 8:30 pm and feature a different band every week for eight weeks. The concert series entertained over 3000 people. Contact the chamber for more information at 503-538-2014.

July 15

Farm To Fork Winemaker's Dinner

Winemaker's dinner featuring Natalie's Estate. Five course meal with wine pairings on from 6-9 pm at Farm to Fork Restaurant, 1410 Hwy 99W, Dundee. $75/per person (includes wines). Reservations required - 503-538-7970; visit our website for details:www.innatredhills.com .

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Closing Deadline Extended for the Tax Credit!

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 17 Jun 2010 11:38:43 -0700

Great news for those borrowers (not to mention all of us) who need to close their transaction before June 30^th! It's been extended to September 30^th!

WASHINGTON June 17 - The U.S. Senate voted on Wednesday to give homebuyers another three months to settle on their contracts and take advantage of a popular tax credit that sparked a rush of activity in the housing market.

The Senate, with a vote of 60-37, accepted an amendment by Democratic Leader Harry Reid that extends the closing deadline to Sept. 30 for buyers who met the April 30 deadline to have a signed contract.

The current deadline requires buyers to close by June 30 to get the $8,000 tax credit for first-time homebuyers. Existing homeowners buying a new primary residence are eligible for a $6,500 credit.

Reid offered the measure as an amendment to a bill that would extend some popular business tax breaks and extend unemployment insurance benefits for jobless workers.

The proposal would not have a significant impact on future home sales as the extension would be only for home buyers who already had a contract in hand by April 30.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Newberg Oregon Real Estate Statictics

Sandy Mitchell (The Kelly Group, Keller Williams) — Tue, 11 May 2010 14:05:20 -0700

Newberg Oregon Real Estate Market Statistics...... Frames not supported

Yamhill County Oregon

Sandy Tyger Mitchell, Real Estate on Facebook

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Yamhill County Real Estate Market "7 day Vs 90 Day" Median Price , Days On Market & Inventory

Sandy Mitchell (The Kelly Group, Keller Williams) — Fri, 07 May 2010 14:22:52 -0700

Stay up to date on what the Real Estate Market is doing in Yamhill County Oregon!

Via Timothy Ciulla (Ticor Title Insurance):

( The McMinnville Market ) . . . . . . (Newberg Market ) . . . . . . (The Sherwood Market) . . . . . . (The Carlton Market ) . . . . . . (The Dayton Market) . . . . . . (The Dundee Market ) . . . . . . (The Sheridan Market ) . . . . . . (The Amity Market ) . . . . . . (The Yamhill Market) . . . . . . (Yamhill County Average Price) . . .

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Newberg City Council Meeting April 19th

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 14 Apr 2010 12:50:39 -0700

The Newberg City Council will be deliberating on the following items at the 4/19/10 meeting:

1. Water

2. Wastewater, and stormwater rates;

3. Non-conforming billboard sign;

4. A construction contract for 2nd Street improvements.

5. Approval of a sound permit and proclamation are also on the agenda.

The full packet is on the City's website at http://www.newbergoregon.gov/meetings. Check it out!

Upcoming Meetings | City of Newberg Oregon
www.newbergoregon.gov
Newberg is located approximately 25 miles southwest of Portland, Oregon on US Highway 99W on the northeast side of Yamhill County. http://www.newbergoregon.gov

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Ten Facts about Mortgage Debt Forgineness from the IRS

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 04 Mar 2010 14:04:41 -0800

Ten Facts about Mortgage Debt Forgiveness

If your mortgage debt is partly or entirely forgiven during tax years 2007 through 2012, you may be able to claim special tax relief and exclude the debt forgiven from your income. Here are 10 facts from the IRS Tax Tip, Issue Number: 2010-44.

Normally, debt forgiveness results in taxable income. Under the Mortgage Forgiveness Debt Relief Act of 2007, you might be able to exclude up to $2 million of debt forgiven on your principal residence.
The limit is $1 million for a married person filing a separate return.
You may exclude debt reduced through mortgage restructuring, as well as mortgage debt forgiven in a foreclosure.
To qualify, the debt must have been used to buy, build or substantially improve your principal residence and be secured by that residence.
Refinanced debt proceeds used for the purpose of substantially improving your principal residence also qualify for the exclusion.
Proceeds of refinanced debt used for other purposes - for example, to pay off credit card debt - do not qualify for the exclusion.
If you qualify, claim the special exclusion by filling out Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness, and attach it to your federal income tax return for the tax year in which the qualified debt was forgiven.
Debt forgiven on second homes, rental property, business property, credit cards or car loans does not qualify for the tax relief provision. In some cases, however, other tax relief provisions - such as insolvency - may be applicable. IRS Form 982 provides more details about these provisions.
If your debt is reduced or eliminated you normally will receive a year-end statement, Form 1099-C, Cancellation of Debt, from your lender. By law, this form must show the amount of debt forgiven and the fair market value of any property foreclosed.
Examine the Form 1099-C carefully. Notify the lender immediately if any of the information shown is incorrect. You should pay particular attention to the amount of debt forgiven in Box 2 as well as the value listed for your home in Box 7.

If you would like more information about the Mortgage Forgiveness Debt Relief Act of 2007, visit IRS.gov. A good resource is IRS Publication 4681, Canceled Debts, Foreclosures, Repossessions and Abandonments. As a Taxpayer, you may obtain a copy of this publication and Form 982 either by downloading them from IRS.gov or by calling 800-TAX-FORM (800-829-3676).

Links: irs@service.govdelivery.com

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

What's going on in Newberg Oregon?

Sandy Mitchell (The Kelly Group, Keller Williams) — Tue, 02 Mar 2010 18:42:34 -0800

Just a few things to tell about the local school community:

Nominations open for Junior Citizen of the Year: The Chehalem Valley Chamber of Commerce is seeking nominations for the Junior Citizen of the Year to be honored at the Chamber's Community awards Banquet April 8, 2010. To be considered for the award, the nominee must be a student in grade 8-12, hold a minimum "C" grade point average and demonstrate outstanding citizenship. The achievement of the nominee should be something that contributes to the betterment of the community, sets an example or encourages participation of others. Submit your nominee to the Chehalem Valley Chamber of Commerce by 5:00 p.m. on Friday March 19th.

Did you know that over 300 Chehalem Valley Middle School Students were recognized for their academic success? Students were presented with certificates recognizing a grade point average of 3.5 or higher for the 2nd grading period.

Immunization clinic scheduled:

Any child needing immunizations for school is encouraged to attend a clinic on March 30th from 2:30 - 6:30 pm in the Edwards cafeteria on 6th St. Parents should bring shot records and must accompany any child under 15. Each immunization costs $15.19 but no student will be turned away for inability to pay. The clinic is offered by Yamhill County Public Health.

Full Day Kindergarten enrollment is now open:

District elementary schools are taking applications for enrollment in full-day kindergarten for the 2010-11 school year. The program aims to increase quality learning time for young students by lengthening the time students spend in school each day. Students spend more time exploring reading, writing, mathematics, social studies and art with highly qualified teachers. Music and physical education is introduced by classroom specialists. This is a tuition-based program located in schools based on interest and available space.

For more information, please contact: Claudia Stewart, APR Communication Specialist, Newberg Public Schools. Voice: 503-554-5014 or visit the website at www.newberg.k12.or.us

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Newberg to McMinnville Sales - January 2010

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 03 Feb 2010 18:56:41 -0800

There were a total of 43 real estate transactions sold/closed in the month of January, 2010 in Yamhill County. The following is a breakdown by town:

McMinnville: 18 Sales $ 7,500 to $555,000

Newberg: 10 Sales $115,000 to $307,542

Dundee: 3 Sales $125,000 to $199,900

Dayton: 2 Sales $250,000 to $360,000

Lafayette: 3 Sales $169,900 to $254,000

Sheridan 3 Sales $ 61,000 to $185,000

Amity: 1 Sale $254,900

Willamina: 1 Sale $135,000

Carlton: 1 Sale $199,900

Grand Ronde: 1 Sale $160,000

If a town/city is not mentioned it is because there were no closed sales for that month in that particular location.

We are seeing a slight rise in upper end activity, this is a good thing and hopefully a trend that will continue.

The first time and extended home buyer credit is about to come to an end and interest rates are expected to start rising soon so if you haven't yet taken advantage of the credit or the low interest rates, now is the time.

Homes must be pending by April 30, 2010 and closed by June 30, 2010. This is a once in a lifetime opportunity and if you miss it, you will regret it.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Newberg to McMinnville December 2009 Real Estate Sales

Sandy Mitchell (The Kelly Group, Keller Williams) — Mon, 04 Jan 2010 14:32:25 -0800

Newberg: 20 Sales $ 59,000 to $344,239

Dundee: 8 sales $ 39,000 to $239,000

Lafayette: 6 Sales $150,000 to $300,000

Dayton: 4 Sales $ 78,765 to $229,900

Amity: 3 Sales $148,000 to $198,000

McMinnville 13 Sales $138,000 to 387,000

Yamhill 1 Sale $458,500

Sheridan 3 Sales $ 37,500 to $171,000

Carlton, Gaston & Willamina No Sales

Sales include Residential, Commercial, Lots & Land, Multi, Farms, Ranches etc.

Once again, we see the under $300,000 dominating the market. I believe this will continue to be the case as the first time home buyers are taking advantage of the home buyer tax credit. It will be interesting and I must say a bit scary to see what will happen to the market once the credit expires. If you are considering purchasing a home, now is the time. There is speculation that interest rates will be rising soon. Take advantage of this market now.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

December Events & Activities in Yamhill County, Oregon

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 16 Dec 2009 13:01:52 -0800

Wondering what to do over the Holidays? Here are a few things going on in Yamhill County you might enjoy.

December 19, 2009:

Polar Express Pajama Day: Evergreen is hosting this event which will include festive crafts, and a book reading of The Polar Express by Chris Van Allsburg. The Polar Express in IMAX, tops off the event. Doors open at 9:30am. For more information or reservations, call Erin Willison at 503-434-4185, ext 4926 or email erin.bosnjak@sprucegoose.org.

December 19, 2009:

The Family Classic "The sound of Music" at Gallery Theater: 210 N. Ford Street. A great family event for the holiday season. Curtain: Friday & Saturday 7:30pm and Sunday 3:00pm. Gallery's box office is open Tuesday through Friday; 12-6pm. Phone 503-472-2227

Allison Inn Music and Holiday Packages:

On Friday, Saturdays and Sundays in the stunning Living Room at The Allison Inn & Spa, popular jazz artists including Jonny Marin, Barbara Lusch, Belinda Underwood and Don Jansen will play in successive weeks along with groups including Tall Jazz and Key of Dreams. Fridays and Saturdays, music will be featured from 6-10pm. On Sunday Don Jansen performs on classical guitar from 10:30 am to 1:30 pm. Visit their website for more information at www.theallison.com

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Oregon Wine Country Real Estate Sales November 2009

Sandy Mitchell (The Kelly Group, Keller Williams) — Tue, 08 Dec 2009 13:43:31 -0800

62 Sales Total Between November 8, 2009 and December 8, 2009

Lowest Price Highest Price

Newberg: 25 Sales $ 49,000 $630,000

Dundee: 5 Sales $ 39,000 $429,000

Dayton: 2 Sales $195,000 $252,000

Lafayette: 4 Sales $169,500 $189,900

McMinnville 19 Sales $ 6,000 $387,000

Carlton: 1 Sale $200,000

Yamhill 1 Sale $150,000

Sheridan 4 Sales $100,000 through $169,500

Willamina 1 Sale $ 99,800

*Data taken from the Regional Multiple Listing Service

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

FHA Looking At Outlines for Tougher Rules To Impose On Borrowers

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 03 Dec 2009 16:15:19 -0800

As if things weren't hard enough in this market, now the FHA intends on making it even harder. The following information was in a Washington Post article I came across today.

FHA presented lawmakers with outlines for tougher rules that the agency plans to impose on borrowers. In order to qualify for an FHA backed loan;

1. Borrowers will have to bring more cash to the transaction.

2 There will be a higher credit score requirements and the might have to pay higher insurance premiums.

3. FHA will also limit the amount of money that sellers can contribute to a sale, including closing costs, to 3 percent of the loan's value, instead of the current 6 percent. By forcing borrowers to invest more money in the home homes they are buying, it would make it less appealing to default and walk away.

These new changes are designed to help the agency rebuild their cash reserves as it struggles with rising defaults.

Several have raised questions about the new rules.

Rep. Randy Neugebauer (R-Tex.) is disappointed that agency isn't adopting risk-based pricing. This would enable the FHA to charge higher premiums to the riskiest borrowers but House Financial Services Committee Chairman Barney Frank (D-Mass.) said he's concerned that such a change could unfairly penalize lower-income families.

Rep. Gary G. Miller (R-Calif.) would like to see the agency revive a down-payment assistance program that ended last year. This program allowed buyers to purchase a home without putting their own money down. A nonprofit group provided buyers with the down payment and sellers reimbursed the nonprofit groups. Unfortunately, such programs led to unacceptably high levels of defaults.

In the opinion of Ann Schnare who is a former Freddie Mac official, she thinks the FHA is "running on empty and perhaps has crossed the line into "insolvency".

I say we are still in a mess. We are told the recession is ending and things should start to pick back up but I'm not so sure. I understand the need to make borrowers be more accountable and I understand the need to stop people from being so dependent on government programs. I'm just not so sure that now is the time to implement rules making it even more difficult to obtain financing. I think the economy is still very much on a teeter totter and could still go either way. If the government does away with the first time home buyer credit as planned and the FHA imposes stricter rules on home buyers, I think we can look forward to several more years of a struggling housing market.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

The Facts about the Home Buyer Credit, Plain and Simple

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 25 Nov 2009 12:02:12 -0800

10 Important Facts about the Extended First-Time Homebuyer Credit

If you are in the market for a new home, you may still be able to claim the First-Time Homebuyer Credit. Congress recently passed The Worker, Homeownership and Business Assistance Act Of 2009, extending the First-Time Homebuyer Credit and expanding who qualifies.

Here are the top 10 things the IRS wants you to know about the expanded credit and the qualifications you must meet in order to qualify for it.

You must buy - or enter into a binding contract to buy a principal residence - on or before April 30, 2010.
If you enter into a binding contract by April 30, 2010 you must close on the home on or before June 30, 2010.
For qualifying purchases in 2010, you will have the option of claiming the credit on either your 2009 or 2010 return.
A long-time resident of the same home can now qualify for a reduced credit. You can qualify for the credit if you've lived in the same principal residence for any five-consecutive year period during the eight-year period that ended on the date the new home is purchased and the settlement date is after November 6, 2009.
The maximum credit for long-time residents is $6,500. However, married individuals filing separately are limited to $3,250.
People with higher incomes can now qualify for the credit. The new law raises the income limits for homes purchased after November 6, 2009. The full credit is available to taxpayers with modified adjusted gross incomes up to $125,000, or $225,000 for joint filers.
The IRS will issue a December 2009 revision of Form 5405 to claim this credit. The December 2009 form must be used for homes purchased after November 6, 2009 - whether the credit is claimed for 2008 or for 2009 - and for all home purchases that are claimed on 2009 returns.
No credit is available if the purchase price of the home exceeds $800,000.
The purchaser must be at least 18 years old on the date of purchase. For a married couple, only one spouse must meet this age requirement.
A dependent is not eligible to claim the credit.

For more information about the expanded First-Time Home Buyer Credit, visit IRS.gov/recovery.

Links:

First-Time Homebuyer Credit
IR-2009-108, First-Time Homebuyer Credit Extended to April 30, 2010; Some Current Homeowners Now Also Qualify

YouTube Videos:

Recovery: New Homebuyer Credit - November 2009
Consejo Tributario: Consejos Tributarios de Fin de Año Noviembre 2009

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Take Advantage of the Extended/Expanded Home Buyer Credit!

Sandy Mitchell (The Kelly Group, Keller Williams) — Mon, 23 Nov 2009 16:25:12 -0800

Homebuyer Tax Credit Extended and Expanded

Great news for homebuyers! The Homebuyers Tax Credit has been extended into the first half of 2010...and it has been expanded to include benefits for current homeowners!

Who Qualifies? First-time homebuyers may be eligible for the tax credit worth 10% of the purchase price of the home, with a maximum available credit of $8,000.

In addition, the program now gives current homeowners an additional reason 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.

Eligible Incomes: Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more 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 can receive a partial credit; however, joint filers who earn $245,000 and above are ineligible.

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.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Google Maps... Now with Real Estate

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 19 Nov 2009 15:30:56 -0800

Via René Fabre - Social Media Marketing (ARFCO MEDIA ):

Google announced real estate on Google Maps this morning...

In Google Maps type a "city state" and/or a "zip code". Just to the right of the "Search Maps" button,

click "show search options" and select real estate in the drop down...

You can search homes for sale, rentals, and foreclosures. Filter your results by price range, bedrooms, and building square feet. This comes with all the usual Google Map functions like pop-up pictures with links to the listing source.

This will certainly bring a larger audience and exposure to your local real estate market...

View Larger Map

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

First Time Home Buyer Credit Extended & Expanded

Sandy Mitchell (The Kelly Group, Keller Williams) — Thu, 05 Nov 2009 20:51:59 -0800

It's official.

In landslide votes, the extension/expansion of the first time home buyer tax credit passed both houses of Congress and is now on its way to the President's desk for signing tomorrow.

The credit now goes through May 1st, which means you can sign a contract through May 1st as long as you close on the property by June 30th.

It gives up to $8000 for first time buyers (defined as not having owned a home for the past three years) and up to a $6500 credit to move-up buyers who have owned and occupied their current homes for at least five years.

Again, you have to be an owner occupant of this primary residence, no investors here, and there is an income cap for single filers at $125,000 and joint filers at $225,000. Oh, and the home you buy can't be more than $800,000.

This is great news for the economy and all those folks who drug their feet and didn't get in on the credit the first time around. Now with the expanded credit, people will be able to "move up" too!

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

H1N1 Flu Shots Now Available in Yamhill County

Sandy Mitchell (The Kelly Group, Keller Williams) — Wed, 04 Nov 2009 14:20:11 -0800

Yamhill County Public Health is offering vaccine clinics for H1N1 and seasonal flu shots starting today. These clinics are by appointment only and will continue through next week while supplies last.

Seasonal flu clinic
This vaccine includes the flu shot for low-income people and the nasal spray. Cost for the nasal spray is $39.75, which can be billed to Medicaid. For both the nasal spray and the flu shot, people without insurance or unable to pay may be able to receive the flu vaccine for a reduced price of $15.19 or less. For healthy people between the ages of 2 - 49, the live flu vaccine (nasal spray) is a good option according to Dr. Robert Moore, Yamhill County Health.

Moore adds that some medical providers and pharmacies may be receiving additional supplies of seasonal flu vaccine as they become available.

H1N1 vaccine clinic
The H1N1 flu vaccine is in limited supply and only people in these groups will be vaccinated at this time:

Children ages six months to five years
Pregnant women
Parents, household contacts and caregivers of children under six months old

To schedule an appointment or for more information, please call the Yamhill County Public Health information line at 503-434-7443 or 503-55407842. Yamhill County Public Health is located at 412 NE Ford, McMinnville.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Real Market Values Down, Taxes UP, Up and Away!

Sandy Mitchell (The Kelly Group, Keller Williams) — Sat, 31 Oct 2009 17:57:59 -0700

So, by now you have received your tax statement in the mail and were surprised to see that instead of your taxes going down like you thought they would, they went up. How could this be you ask yourself, how can the value of my home go down and my taxes increase?

The reason is because property taxes in Oregon are based on assessed value, not real market value. Under Measure 50 which was voted in, in 1997, the assessed value of your home will rise 3% each year, plus any bonds or levies that were voted in.

Even though the market has continued to decline, in part due to the high number of short sales, taxes won't reflect that until next year.

In Yamhill County, here's the breakdown of where your tax dollars go:

The majority goes to fund schools. One Yamhill County property tax dollar gives 55 Cents to education (K-12, community colleges, educational service districts), 28 cents to neighborhood services provided by cities and special districts (police and fire protection, libraries, parks, urban road maintenance, and more), and 17 cents to county government services (public safety, road improvements, electronic, public health and more.)

Taxpayers who feel their assessed or real market values may be too high should call the assessor's office to discuss the basis for their property's appraisal and if they choose, they may appeal. Appeals may be filed through Dec. 31. You can find the information regarding appeal on the back of your tax statement.

Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Yamhill County Oregon Market

Sandy Mitchell (The Kelly Group, Keller Williams) — Tue, 27 Oct 2009 15:42:23 -0700

Via Timothy Ciulla (Ticor Title Insurance):

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Sandy Mitchell, Buyer's Agent

503-502-6408

The Kelly Group, Keller Williams

Portland Premier

215 N Blaine St.

Newberg, Oregon 97132

Oregon's Real Estate Blog

AND...On the next episode of House Hunters...."Realtor Enter's The Wrong House!

So Your Agent Doesn't Want To Show You Houses?

So Your Buyers Agent Doesn't Want To Show You Properties?

Here's my opinion of agents who request that their buyers contact the listing agents to show them homes...

Did I commit fraud on my mortgage application?"

But It's Your Job To Show Houses!!

"But It's Your Job To Show Houses!!"

There IS a New Real Estate Transfer Tax in the ObamaCare Law

Events & Happenings in Yamhill County July 8th through July 11th, 2010

Yamhill County July, 2010 Events & Happenings!

Jaycee's 4th of July Extravaganza:http://www.mcminnvillejaycees.com/

COME RELAX WITH US AT THE OREGON LAVENDER FESTIVAL JULY 10 - 11, 2010

Closing Deadline Extended for the Tax Credit!

Newberg Oregon Real Estate Statictics

Yamhill County Real Estate Market "7 day Vs 90 Day" Median Price , Days On Market & Inventory

Newberg City Council Meeting April 19th

Ten Facts about Mortgage Debt Forgineness from the IRS

What's going on in Newberg Oregon?

Newberg to McMinnville Sales - January 2010

Newberg to McMinnville December 2009 Real Estate Sales

December Events & Activities in Yamhill County, Oregon

Oregon Wine Country Real Estate Sales November 2009

FHA Looking At Outlines for Tougher Rules To Impose On Borrowers

The Facts about the Home Buyer Credit, Plain and Simple

Take Advantage of the Extended/Expanded Home Buyer Credit!

Google Maps... Now with Real Estate

First Time Home Buyer Credit Extended & Expanded

H1N1 Flu Shots Now Available in Yamhill County

Real Market Values Down, Taxes UP, Up and Away!

Yamhill County Oregon Market

Jaycee's 4th of July Extravaganza:

http://www.mcminnvillejaycees.com/