It’s not only clients who have nice things to say! We sat down with longtime friend and colleague, Dave Kammerer with Summit Funding in Eugene, to hear a few words about his relationship with Jan. His words speak for themselves!
To learn more about Dave and/or to talk about how he can help you with your mortgage needs, email him at email@example.com or call him directly at 541-868-1850.
Are you an empty nester?
If you’re seeking to downsize and sell your home for something more manageable, please give me a call! I’ve helped many clients who have downsized from a large home to a smaller home/townhouse or even a condominium. In addition to making life simpler, downsizing has a host of benefits:
Downsizing makes life more affordable: Save money, build up your nest egg and have more funds on hand for whatever you’d like. It’s also a great way to pay off debt, too.
Downsizing is safer: For those of you with large homes, or multi-level homes, downsizing to a single level residence is a safer option. Which speaking of options, there are typically more single-level options that are more centrally located, again, making them more accessible and safer.
Downsizing is therapeutic: Reducing your square footage means letting go of that that clutter and starting fresh! Also, a smaller home is much easier to maintain, helping to offset stress so you can enjoy more of your life.
Downsizing is a great option for travelers: If you plan on traveling more, downsizing not only puts more money in your pocket, it also means you’re not paying for empty space in a home that isn’t being used as much or as often.
To learn more about downsizing options here in Lane County, give me a call at (541) 870-3009 or email to firstname.lastname@example.org and lets talk!
One of my favorite things about being a real estate agent here in Lane County is getting to know my clients on a personal level. It’s something I take seriously, as I recognize that buying or selling real estate is one of the biggest decisions people make in their lives. I want to make things as enjoyable as possible and that means getting to know each and every one of my clients!
Please find the below testimonial from Ann Reilly, a longtime client of mine. She’s also quite a designer (I’ve relied on her for years for my own home!)
To learn more about how I can help you with any of your real estate questions, concerns or needs, please feel free to contact me anytime at email@example.com or call me directly at (541) 870-3009.
As a realtor in Lane County for the last 31 years, one of my greatest pleasures is helping my clients achieve their real estate dreams. It’s something I take very personally, and I put tremendous value in the relationships I’ve built with my clients through the years.
Recently, I had an interesting conversation with one of my clients. It was about “For Sale” signs, and how they’re used by real estate agents in our area. It’s not uncommon for homebuyers to assume an agent’s dedication, success and service is best defined by the number of “For Sale” signs there are lining the streets.
I’m here to tell you, that’s not necessarily true! The number of homes SOLD is what truly defines how well a real estate agent is likely to perform for you. Not how many signs you see in the neighborhood.
Consider this for a moment. In the past year, I’ve sold several homes that were on the market for less than 48 hours. I listed and sold them before I could put a “For Sale” sign up. Also, it’s important to remember that although some “For Sale” signs have a “Sold!” sign on them, that indicator only lasts a few weeks before the sign is removed and the new owners move in.
Choosing an agent based on the number of “For Sale” signs you see can work against you as well. With multiple listings at a given moment, it’s likely you won’t get the attentiveness and service you deserve.
I advise homebuyers and home sellers to ask prospective agents for a list of homes they’ve sold in the last six months—that will give you real insight on how well a real estate agent is likely to perform on your behalf.
A variety of real estate listings is certainly an asset for an agent. But before anyone assumes it’s an indication of performance, remember that agents are paid by the number of homes they sell, not how many they have listed for sale. As mentioned earlier, I’ve sold homes faster than I’ve been able to put a sign up in the front yard!
If you’d like to learn more about “For Sale” signs, I’d be delighted to talk more. Call (541) 870-3009 or email to firstname.lastname@example.org and let’s talk!
There are “closing costs” every time a home sold or bought. These costs include the fees associated with various components involved in a standard real estate transaction.
Typically Buyer Closing Costs:
- Appraisal fee
- Origination fee
- Prepaid interest
- Prepaid insurance
- Flood certification fee
- Tax servicing fee
- Credit report fee
- Bank processing fee
- Recording fee
- Notary fee
- Title insurance
Typical Seller Closing Costs:
As mentioned in a previous post, sellers typically cover the realtor commissions, which generally are 6% (3% for the seller, 3% for the buyer) of the selling price of the property.
Any unpaid property taxes are required to be paid by the seller, too.
When it comes to closing costs, buyers tend to have the most wiggle room and allowance for negotiation. Some buyers opt to buy the home at a slightly higher asking price, in return for a credit towards closing costs. For example, if buyer’s are facing $6000 in total closing costs, they could ask to purchase the home for $6000 more–an amount that won’t affect a 15 or 30-year mortgage more than a few dollars each month. The end result is more money in the buyers’ pockets at the time of purchase.
Whether you’re a first-time homebuyer, first-time seller, or maybe you haven’t bought or sold a home in many years, it’s common to sometimes lose sight how the transaction works come time for selling or buying a home. Especially when it comes to closing costs and commissions paid to realtors. Here’s a quick refresher:
Who pays what is negotiable, but usually the seller fronts the cost for both the selling agent and buying agent fee, which usually is 3% each for the total home value (totaling 6% for both). The fees aren’t added to the home’s purchase price. So, if a house sells for $200,000 and the buy/sell commission is 6 percent ($12,000), the net proceeds (barring other closing costs) are $188,000. Again, usually the seller pays the commission, unless buyer and seller negotiate a split or agree to the buyer assuming the full amount.
If you have any more questions about buying or selling a home, give me a call and let’s talk! (541) 870-3009, or email me at email@example.com.
Buying a new home is one of life’s greatest thrills. It’s easy to get caught up in the moment and not realize that the homebuying process is just that—a process, not a singular transaction.
What do I mean by that? When you buy a house, from the moment you make an offer and it gets accept to the time of actual closing on your home loan, the process takes sometimes 30 or 60 days to go through escrow, inspection and other due diligences.
It’s during this time, between an accepted offer and a closed deal, that I’ve seen people make mistakes. One of the most common is assuming that because you’ve already been pre-approved for a home loan and have an offer accepted, it’s okay to open a new line or credit somewhere or make a large purchase on one of your existing credit cards.
In reality, this can affect your ability to close on your new home loan and may affect your ability to buy the home altogether! If anything, in the months before and during escrow, it’s best to delay any impulse buys and wait until you have the keys to your new home before you decide to buy new furniture or invest in a new outdoor dining set. This is a critical time and new lines of credit, or new purchases on existing credit lines can change your credit score, which can affect your mortgage rate and bank approval.
So, don’t buy before you buy! Use the time leading up to your closing to decide what you might want to buy after you move in. Resist the temptation to buy on impulse and hold off until the time is right. You’ll be glad you did!
Just listed! 4285 Bent Tree Lane – Eugene
Stunning home w/ wood floors, high ceilings, light & bright. Some views of the surrounding mountains. 3 bedrooms & 2.5 baths. You will love entertaining in this open kitchen family rm. Kitchen has Stainless steel gas cook-top, slab granite counters, on demand H2, lots of windows for gourmet cook. Large backyard with decking & patio. Small shop w/ electricity & windows, now a artist studio. Sidewalks all around the property & french drains. A must see!
Two of my favorite children’s charities that do extraordinary work on behalf of the Eugene/Springfield community are CASA For Children and Children’s Miracle Network Hospitals. Both charities have long been a part of my personal and professional life, and to be fortunate enough to contribute to both of these causes has been one of the most rewarding aspects of my career.
With every closing, a donation is made to both charities!
CASA (Court Appointed Special Advocates) For Children
To better serve the number of abused and neglected children in Lane County, CASA volunteers work to prevent children from being re-abused by facilitating their move through the court and child protective services systems as quickly as possible into safe, permanent homes.
To be part of this incredible and much needed cause, visit casa-lane.org
Children’s Miracle Network Hospitals
Since 1983, Children’s Miracle Network Hospitals has raised more than $5 billion dollars for 170 children’s hospitals, like ours, across the United States and Canada. Their mission, to save and improve the lives of as many children as possible, impacts local kids in our communities. Donations stay local to fund critical treatments and healthcare services, pediatric medical equipment and charitable care.
To contribute and make an impact on the lives of children in need, visit https://childrensmiraclenetworkhospitals.org/donate/