homefinders weekend - aug 31 - sep 2, 2012

1
From NAR Realtor Magazine: Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries. Reduce your debt. Lenders generally look for a total debt load of no more than 36 percent of income. This figure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income. Look for ways to save. You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down everything you spend for one month. You’ll probably spot some great ways to save, whether it’s cutting out that morning trip to Starbucks or eating dinner at home more often. Increase your income. Now’s the time to ask for a raise! If that’s not an option, you may want to consider taking on a second job to get your income at a level high enough to qualify for the home you want. Save for a down payment. Designate a certain amount of money each month to put away in your savings account. Although it’s possible to get a mortgage with only 5 percent down, or even less, you can usually get a better rate if you put down a larger percentage of the total purchase. Aim for a 20 percent down payment. Keep your job. While you don’t need to be in the same job forever to qualify for a home loan, having a job for less than two years may mean you have to pay a higher interest rate. Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills, too. Pay off the entire balance promptly. homes.wenatcheeworld.com Homefinder’s North Central Washington WEEK OF SEPT. 1ST RESERVE YOUR SPACE TODAY! Contact: Tom Nees 509-860-2091 [email protected] Talk To Tom About OPEN HOUSES AGENT FINDER FEATURED LISTINGS REALTOR SPOTLIGHT REALTOR’S CORNER Agents Featured Laura Mounter Agent Finder—RD Bringing Your Dream Home 175 E. Penny Rd. ~ Wenatchee, WA 98801 Laura Mounter Cell: 509-670-3303 Office: 509-665-9200 [email protected] www.LauraMounter.com Agent Finder Tom—Email Proof to [email protected]—np Karen Boghokian, Broker 509-860-9052 (Cell) 509-662-2100 (Office) [email protected] Century 21 Exclusively • 135 N. Mission, Wenatchee, WA 98801 REAL ESTATE Bringing Buyers & Sellers Together Connect to johnlscott.com/wenatcheeoffice 662-4772 1201 N. Wenatchee Ave. This Office independently Owned & Operated John L Scott Agent Finder Tom—proof to [email protected]—jw Chris Brownson Broker Associate 509-679-0128 Lorre Stimac Agent Finder—RD Lorre Stimac Realtor cell: 509 670-7653 fax: 509 662-2164 [email protected] PROPERTY MANAGEMENT SERVICES 662-4521 Coldwell Banker LaVigne 1 S. Chelan St., Wenatchee • 888-8887 Melissa Kiser 509.668.8800 [email protected] Over 21 Years of Real Estate expertise partnered with the National Exposure of ! Search Every Wenatchee Real Estate Listing at www.NCWhomes.com Stephen Bishop 679-7004 www.wenatcheepremierhomes.com Sharon Moreland 670-0075 Office: 662-3491 fax: 664-3897 Office: 509-662-2100 135 N. Mission Wenatchee See Our Open Houses at www.century21exclusively.com $199,900 3 bedroom 2.5 bath home on 1 level. New paint, carpet and vinyl. Bonus family room with fireplace + sun room. 2 car garage plus extra parking. DeAnn Compton 509-670-9966 $499,000 Beautifully maintained townhomes. Each unit has it’s own meter, one car garage, and extra parking. Owner pays for lawn maintenance and snow plowing. Some prelim work has been done for Condominimization. Wendy Cowell 509-679-4877 $199,900 Well maintained rambler with upgrades to flooring, electrical, and windows. Family room media center, master bedroom with full bath. Newer roof and paint too. Perrin Cornell 509-669-0354 $198,000 Classic hardwood flooring, new kitchen, slated fireplace wall & enjoyable patio. Oversized master suite, storage in utility room & spacious garage. Homeowners includes use of the clubhouse, tennis court & swimming pool. Betsy Loomis 509-669-6464 $174,900 Premiere Sunrise East Retirement Community. 2000 sq. ft. of living area. Large rooms, vaulted ceilings with skylights, great view of the mountains and Wenatchee Heights. Enjoy the private back patio, and nice size shop in the garage. Roberta Jackson 509-670-1773 $335,000 3300 sq. ft. remodeled home with in-ground swimming pool, office, large shop and work area off garage, large patio plus large wood deck, granite kitchen, wine storage, huge master, family room with fireplace, separate dining area and eating space in kitchen. Doug Andrews 509-860-8840 Each office independently owned. Equal housing opportunity. Windermere Real Estate / NCW 662-7184 • 1-800-841-0055 www.windermerewenatchee.com $639,000..........EAST WENATCHEE Fabulous private luxury with panoramic city & river views! This home is truly amazing! 3,900 sq ft, huge master suite, designer kitchen, bonus shop, .95 acre, triple garage, covered patio with waterfall setting. MLS# 699067 Jody Campbell 630-0722 $375,000................... WENATCHEE NEW PRICE! Multi-level masterpiece with views! 2 master suites, large living & family room, 3rd bedroom/office, 4th bedroom currently a theater room, every level with deck or patio. Large lot with many possibilities. MLS# 699026 Jerry Paine 860-7696 $369,900............... LEAVENWORTH NEW PRICE! A Vacation Home of Your Dreams on a 1 Acre Lot! 3 large bedrooms, master on main floor, pine finishes throughout, wrap around porch, and mud room. Detached shop with finished apartment, full kitchen, and bathroom MLS# 698998 Jamie Wallace 670-3305 $339,500............ DESERT CANYON New Price! Gorgeous Villa on golf course fairway. One level, 3 bedrooms, 2.5 baths, open living, see thru fireplace, den, great kitchen. Large covered deck, golf course and mountain views. MLS# 699066 Jerry Paine 860-7696 $330,000..........EAST WENATCHEE DESIGNED TO IMPRESS! .37 acre, level, yard with adjoining .45 acre lot also available. 4 bedrooms, 2.5 baths, high vaulted ceilings, slate, solid wood, fir doors & big views from every window. MLS#699222 Kathy Emerick, 509-421-5934. $269,000............... LEAVENWORTH Bright cabin tucked into the woods. 2 bedrooms, 2 baths, open kitchen, dining & living area, loft, community river access, sunny porch, detached garage, close to Stevens Pass, Lake Wenatchee and Plain. MLS# 699198 Momi Palmeri 433-2211 $234,900....................... SUN COVE NEW PRICE! Views, wrap around deck, 2475 sq ft, new appliances, fresh paint, it’s all here! Perfect vacation or second home. Access Columbia River, surrounding recreation, and Desert Canyon Golf Course MLS# 698318 Jamie Wallace 670-3305 Wenatchee $164,900 368 Whitebirch Place Open Sun. 12-2 Coldwell Banker LaVigne Laurie Carlson 393-9010 “North Central Washington REALTORS® support our farmers, and the agriculture industry. Buy Washington produce.” $175,500 1807 Garnet Place Open Sun. 3-4:30 Premier One Properties Wilber Zaldivar 630-6805 $184,900 1714 9th St. Open Sun. 12-2 Century 21 Exclusively Perrin Cornell 669-0354 $219,500 1535 Virginia Way Open Sun. 11:30-1 Beautiful home located off the Street, 3 Bed, 2.5 Bath, 1 extra room, open kitchen, Master Bedroom has a wonderful view of East Wenatchee. Fenced yard. RV parking. Directions: Crawford, South on Trisha Way, left on Virginia Way. Premier One Properties Wilber Zaldivar 630-6805 Wenatchee $289,500 1217 Red Apple Rd. Open Sun. 1:30-2:45 Country Life In Town. This 2 bed, 2 bath home has that back country feel right here in town! End of drive privacy on over ½ acre. Back yard pool surrounded by landscaping, backs to irrigation canal. Directions: S. Miller, right on Red Apple Rd. Premier One Properties Wilber Zaldivar 630-6805 East Wenatchee $259,900 2178 Blackstone Court Open Sun. 12:30-2 New home, new development 3 plus bed, 2.5 bath, 2 story home. Custom cabinets, granite, tile. Fourth bedroom could be used as bonus room. Price reduced. Directions: North on Baker, right on 21st, left on Blackstone Ct. Century 21 Exclusively Gene Palmquist 393-9820 Starting at $309,950 Rivervue Open Sat. & Sun. 12-4 Model homes from 1965-2814 Sq. Ft. Impressive designs, ramblers, two story, daylights, complete with landscaping. Starting at $309,950. Directions: RIVERVUE - Corner of SE 8th and Lyle. Premier One Properties Erin Davidson 293-2214 $335,000 1609 N Ashland Open Sun. 1-3 Century 21 Exclusively Doug Andrews 860-8840 For additional information on these Open Houses visit: www.ncwaropenhouses.com Sept. 1 & 2, 2012 Realtor’s Corner Get Your Finances in Order: To-Do List REAL ESTATE Bringing Buyers & Sellers Together Connect to johnlscott.com/wenatcheeoffice 662-4772 1201 N. Wenatchee Ave. This Office independently Owned & Operated Sharon Shaw Broker Associate 509-670-5459

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Page 1: HomeFinders Weekend - Aug 31 - Sep 2, 2012

From NAR Realtor Magazine:

Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that refl ects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries.

Reduce your debt. Lenders generally look for a total debt load of no more than 36 percent of income. This fi gure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income.

Look for ways to save. You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down everything you spend for one month. You’ll probably spot some great ways to save, whether it’s cutting out that morning trip to Starbucks or eating dinner at home more often.

Increase your income. Now’s the time to ask for a raise! If that’s not an option, you may want to consider taking on a second job to get your income at a level high enough to qualify for the home you want.

Save for a down payment. Designate a certain amount of money each month to put away in your savings account. Although it’s possible to get a mortgage with only 5 percent down, or even less, you can usually get a better rate if you put down a larger percentage of the total purchase. Aim for a 20 percent down payment.

Keep your job. While you don’t need to be in the same job forever to qualify for a home loan, having a job for less than two years may mean you have to pay a higher interest rate.

Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills, too. Pay off the entire balance promptly.

omefinder’sHomefinder’shomes.wenatcheeworld.com

Homefinder’sNorth Central Washington

WEEKENDWEEK OF SEPT. 1ST

RESERVE YOURSPACE TODAY!

Contact: Tom Nees509-860-2091

[email protected]

Talk ToTom About

OPEN HOUSES

AGENT FINDER

FEATURED LISTINGS

REALTOR SPOTLIGHT

REALTOR’S CORNER

AgentsFeatured

Laura Mounter Agent Finder—RD0803.128618.4x1.354.LauraMounter

Bringing Your Dream Home175 E. Penny Rd. ~ Wenatchee, WA 98801

Laura MounterCell: 509-670-3303 Offi ce: [email protected] • www.LauraMounter.com

Agent Finder Tom—Email Proof to [email protected]—np0803.128028.4x1.354.KarenBoghokian

Karen Boghokian, Broker 509-860-9052 (Cell) 509-662-2100 (Offi ce)[email protected]

Century 21 Exclusively • 135 N. Mission, Wenatchee, WA 98801

R E A L E S TAT E

Bringing Buyers & Sellers Together

Connect to johnlscott.com/wenatcheeoffi ce • 662-4772 • 1201 N. Wenatchee Ave.This Offi ce independently Owned & Operated

John L Scott Agent Finder Tom—proof to [email protected]—jw0831.131421.4x1.354.ChrisBrownson

Chris BrownsonBroker Associate

509-679-0128

Lorre Stimac Agent Finder—RD0803.128614.4x1.354.Lorre

Lorre Stimac Realtor

cell: 509 670-7653 fax: 509 [email protected]

Coldwell Banker Agent Finder—BJ0810.129131.4x1.354.ColdwellBankerProperty

PROPERTY MANAGEMENT SERVICES662-4521

Coldwell Banker LaVigne1 S. Chelan St., Wenatchee • 888-8887

Melissa Kiser509.668.8800

[email protected]

Over 21 Years of Real Estate expertise partneredwith the National Exposure of !

Search Every Wenatchee Real Estate Listing

at www.NCWhomes.com

Stephen Bishop679-7004

www.wenatcheepremierhomes.comSharon

Moreland670-0075

Office: 662-3491fax: 664-3897

Office: 509-662-2100 135 N. Mission Wenatchee

See Our Open Houses atwww.century21exclusively.com

$199,900 3 bedroom 2.5 bath home on 1 level. New paint, carpet and vinyl. Bonus family room with fireplace + sun room. 2 car garage plus extra parking.DeAnn Compton 509-670-9966

$499,000 Beautifully maintained townhomes. Each unit has it’s own meter, one car garage, and extra parking. Ownerpays for lawn maintenance and snow plowing. Some prelim work has been done for Condominimization.Wendy Cowell 509-679-4877

$199,900 Well maintained rambler with upgrades to flooring, electrical, and windows. Family room media center, master bedroom with full bath. Newer roof and paint too. Perrin Cornell 509-669-0354

$198,000 Classic hardwood flooring, new kitchen, slated fireplace wall & enjoyable patio. Oversized master suite, storage in utility room & spacious garage. Homeowners includes use of the clubhouse, tennis court & swimming pool.Betsy Loomis 509-669-6464

$174,900 Premiere Sunrise East Retirement Community. 2000 sq. ft. of living area. Large rooms, vaulted ceilings with skylights, great view of the mountains and Wenatchee Heights. Enjoy the private back patio, and nice size shop in the garage.Roberta Jackson 509-670-1773

$335,000 3300 sq. ft. remodeled home with in-ground swimming pool, office, large shop and work area off garage, large patio plus large wood deck, granite kitchen, wine storage, huge master, family room with fireplace, separate dining area and eating space in kitchen.Doug Andrews 509-860-8840

Each office independently owned. Equal housing opportunity.

Windermere Real Estate / NCW

662-7184 • 1-800-841-0055www.windermerewenatchee.com

$639,000 ..........EAST WENATCHEE Fabulous private luxury with panoramic city & river views! This home is truly amazing! 3,900 sq ft, huge master suite, designer kitchen, bonus shop, .95 acre, triple garage, covered patio with waterfall setting. MLS# 699067Jody Campbell 630-0722

$375,000 ................... WENATCHEE NEW PRICE! Multi-level masterpiece with views! 2 master suites, large living & family room, 3rd bedroom/office, 4th bedroom currently a theater room, every level with deck or patio. Large lot with many possibilities. MLS# 699026 Jerry Paine 860-7696

$369,900 ............... LEAVENWORTH NEW PRICE! A Vacation Home of Your Dreams on a 1 Acre Lot! 3 large bedrooms, master on main floor, pine finishes throughout, wrap around porch, and mud room. Detached shop with finished apartment, full kitchen, and bathroom MLS# 698998 Jamie Wallace 670-3305

$339,500 ............DESERT CANYON New Price! Gorgeous Villa on golf course fairway. One level, 3 bedrooms, 2.5 baths, open living, see thru fireplace, den, great kitchen. Large covered deck, golf course and mountain views. MLS# 699066 Jerry Paine 860-7696

$330,000 ..........EAST WENATCHEEDESIGNED TO IMPRESS! .37 acre, level, yard with adjoining .45 acre lot also available. 4 bedrooms, 2.5 baths, high vaulted ceilings, slate, solid wood, fir doors & big views from every window. MLS#699222 Kathy Emerick, 509-421-5934.

$269,000 ............... LEAVENWORTHBright cabin tucked into the woods. 2 bedrooms, 2 baths, open kitchen, dining & living area, loft, community river access, sunny porch, detached garage, close to Stevens Pass, Lake Wenatchee and Plain. MLS# 699198 Momi Palmeri 433-2211

$234,900 .......................SUN COVENEW PRICE! Views, wrap around deck, 2475 sq ft, new appliances, fresh paint, it’s all here! Perfect vacation or second home. Access Columbia River, surrounding recreation, and Desert Canyon Golf Course MLS# 698318 Jamie Wallace 670-3305

Wenatchee$164,900 368 Whitebirch Place Open Sun. 12-2 Coldwell Banker LaVigne Laurie Carlson 393-9010

“North Central Washington REALTORS® support our farmers, and the agriculture industry. Buy Washington produce.”

$175,500 1807 Garnet Place Open Sun. 3-4:30 Premier One Properties Wilber Zaldivar 630-6805

$184,900 1714 9th St. Open Sun. 12-2 Century 21 Exclusively Perrin Cornell 669-0354

$219,500 1535 Virginia Way Open Sun. 11:30-1Beautiful home located off the Street, 3 Bed, 2.5 Bath, 1 extra room, open kitchen, Master Bedroom has a wonderfulview of East Wenatchee. Fenced yard. RV parking. Directions:Crawford, South on Trisha Way, left on Virginia Way.Premier One Properties Wilber Zaldivar 630-6805

Wenatchee$289,500 1217 Red Apple Rd. Open Sun. 1:30-2:45Country Life In Town. This 2 bed, 2 bath home has that back country feel right here in town! End of drive privacy on over½ acre. Back yard pool surrounded by landscaping, backs toirrigation canal. Directions: S. Miller, right on Red Apple Rd.Premier One Properties Wilber Zaldivar 630-6805

East Wenatchee$259,900 2178 Blackstone Court Open Sun. 12:30-2New home, new development � 3 plus bed, 2.5 bath, 2 storyhome. Custom cabinets, granite, tile. Fourth bedroom couldbe used as bonus room. Price reduced. Directions: North on Baker, right on 21st, left on Blackstone Ct. Century 21 Exclusively Gene Palmquist 393-9820Starting at $309,950 Rivervue Open Sat. & Sun. 12-4Model homes from 1965-2814 Sq. Ft. Impressive designs,ramblers, two story, daylights, complete with landscaping. Starting at $309,950. Directions: RIVERVUE - Corner of SE 8th and Lyle.Premier One Properties Erin Davidson 293-2214

$335,000 1609 N Ashland Open Sun. 1-3 Century 21 Exclusively Doug Andrews 860-8840

For additional information on these Open Houses visit:www.ncwaropenhouses.com

Sept. 1 & 2, 2012

Realtor’s Corner

Get Your Finances in Order: To-Do List

R E A L E S TAT E

Bringing Buyers & Sellers Together

Connect to johnlscott.com/wenatcheeoffice • 662-4772 • 1201 N. Wenatchee Ave.This Office independently Owned & Operated

Sharon ShawBroker Associate

509-670-5459