Tag Archives: rachel sheller

Buying a home with less-than-perfect credit

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Buying a home with less-than-perfect credit

Just because your credit score isn’t ideal doesn’t mean you can’t finance a home. Consider these options:

  • The FHA offers affordable financing to first-time buyers and others with less than a 20 percent down payment. Those who qualify may pay as little as 3.5 percent down.
  • The VA, USDA and Navy Federal Credit Union are three government-related lenders that offer mortgages with as little as zero down. The VA serves veterans and family members; the USDA typically serves buyers in rural areas; and the Navy Federal Credit Union serves military personnel and their families, as well as some government employees.
  • A parent, other relative or friend (who has good credit and is willing to take on the responsibility) can co-sign your mortgage loan.
  • Some local and state agencies sponsor assistance programs. For more information, visit websites such as com and Neighbor Works . Org

 

Five Star award Winner 2011-2018 honoring the top 7% of real estate professionals in Oregon.

IT’S A GOOD LIFE!!

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES,MASTERS CIRCLE, Earth Advantage Broker, Diversity Specialist-HOWNW, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email- rachelsheller.com

View ALL available Houses on the market  on my website.

Licensed in the State of Oregon and Washington

My business is referral based.
If you’ve enjoyed my service, please refer me!

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How the new tax law affects home equity debt

If you’re considering getting a home equity loan or home equity line of credit (HELOC), make sure you understand how the tax rules have changed.

First of all, it’s important to clarify that acquisition debt is when money borrowed against your home is used to buy, build or improve a primary or secondary home. Home equity debt is when the money is used for something other than your home, such as paying student loans or funding a business.

Under previous tax laws, taxpayers could deduct interest on home equity debt – no matter what the money was used for – as long as the total mortgage debt was below $1 million, according to Realtor.com®.

The Tax Cuts and Jobs Act suspends this deduction unless the loan is used to “buy, build or substantially improve” a home, according to the IRS. Acquisition debt is still tax deductible, but the total debt limit was lowered from $1 million to $750,000.

Keep receipts from your home improvement projects and consult a tax professional to help you navigate your specific situation.

Five Star award Winner 2011-2018 honoring the top 7% of real estate professionals in Oregon.

IT’S A GOOD LIFE!!

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES, MASTERS CIRCLE, Earth Advantage Broker, Diversity Specialist-HOWNW, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email- rachel@rachelsheller.com

View ALL available Houses on the market on my website.

Licensed in the State of Oregon and Washington

My business is referral based.
If you’ve enjoyed my service, please refer me!

How to pull off a neutral room

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How to pull off a neutral room

A neutral decorating scheme can create a beautiful, serene space. Neutrals are also flexible, making it easy to swap out pieces as you feel inspired. Consider these design tips to make the most of neutrals in any room.

Add warm hues. Wood accents are a great way to add warmth and keep a neutral room from feeling cold or sterile. Try displaying wood cutting boards or adding a natural wood shelf in the kitchen. Crate&Barrel designers suggest using a walnut mid-century bench as a coffee table to bring a unique element to your living space.

Choose contrasting textures. Layering tactile and visual textures is key to making a neutral room interesting, says Houzz.com. Plush rugs, exposed brick, concrete walls, faux-fur throw pillows, and textured artwork can add interest and depth to any room.

Lead the eye. Hang an abstract painting in soft neutrals to draw the eye upward, says Crate&Barrel. You could also consider adding a pop of color through a tall plant or an accent pillow with a bold pattern.

Use metal accents. Metals pop against a neutral backdrop. Choose metal light fixtures and drawer pulls, or display metallic kitchen utensils. ElleDecor.com predicts that copper and rose gold are fading out for 2019, so consider more natural-looking metals such as polished nickel and antique brass.

Five Star award Winner 2011-2018 honoring the top 7% of real estate professionals in Oregon.

IT’S A GOOD LIFE!!

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES, MASTERS CIRCLE, Earth Advantage Broker, Diversity Specialist-HOWNW, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email- rachel@rachelsheller.com

View ALL available Houses on the market on my website.

Licensed in the State of Oregon and Washington

My business is referral based.
If you’ve enjoyed my service, please refer me!

5 Steps to a bedroom makeover

Image result for bedroom

Ready to refresh a bedroom in your home? Here are five steps to get the process headed in the right direction.

  1. Choose a color scheme. Don’t make this decision harder than it is. If you’re stuck on choosing a color, start with a neutral (such as gray, creamy white or taupe) and decide on one or two accents that can be easily changed as time goes on.
  2. Start sorting. Before you bring in anything new, you must get rid of the old. Donate current bedding, furniture and decorative items that cannot be recycled or refinished to fit the new decorating theme.
  3. Pick timeless pieces. For the big-ticket items like a comforter or dresser, choose pieces that will stand the test of time. Use smaller items like throw pillows to add color, texture and patterns.
  4. Change up the layout. While new furniture and a coat of paint can help change the feel of a room, a new layout can take it one step farther. Rearrange furnishings to give your room a fresh feel.
  5. Switch out light fixtures. If you have a floor lamp, add a chandelier. If you like to read at night, add some soft lighting over your bed. Look for warm lights and avoid fluorescent bulbs that will make your room feel sterile.

 

 

IT’S A GOOD LIFE!

Five Star award Winner 2011- 2018 honoring the top 7% of real estate professionals in Oregon. 

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES,  Diversity Specialist-HOWNW, Earth Advantage Broker, MASTERS CIRCLE, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email-    homesforyou@frontier.com

View a current list of ALL available Houses on the market go to my website

Licensed in the State of Oregon

My business is referral based.
If you’ve enjoyed my service, please refer me!

Should you sell a home during the holidays?

Image result for christmas house

Traditionally, most sellers shy away from listing their homes in November or December. Some buyers, however, need to make a quick purchase before the end of the year due to a job transfer, estate settlement or other tax reasons. With very little competition in the marketplace, properties listed during the holiday season tend to sell more quickly and for a higher price.

If you’re worried about moving during the holidays, keep in mind that buyers often need to close by December 31, but they don’t necessarily need to take possession until January. That way both you and your buyers can enjoy one last holiday season in the old house before making the move.

Of course, the most pressing question is whether you should decorate your home for the holidays. Real estate professionals agree that homes show better with tasteful, festive decorations. Buyers can typically feel the warmth of the season and comfortably picture themselves living there. Be sensitive to different religions and use generic decorations that reflect a fall or winter theme.

Keep in mind the importance of curb appeal, and be sure there’s an attractive wreath on the front door to welcome buyers into their new home. Call me to learn more about selling during the Holidays and it’s benefits.

IT’S A GOOD LIFE!

Five Star award Winner 2011- 2018 honoring the top 7% of real estate professionals in Oregon. 

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES,  Diversity Specialist-HOWNW, Earth Advantage Broker, MASTERS CIRCLE, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email-    homesforyou@frontier.com

View a current list of ALL available Houses on the market go to my website

Licensed in the State of Oregon

My business is referral based.
If you’ve enjoyed my service, please refer me!

Pricing your home in a seller’s market

Pricing in seller market Fall 2018

The current economy, market demand and human emotion all factor into setting the right asking price for your home. In a strong seller’s market, it’s tempting to overprice your property to see what kind of offers you receive. On the other hand, some sellers prefer to set a below-market asking price, hoping to spark an emotional bidding war among buyers.

Here are some points to consider:

  • Not all seller’s markets are created equal. Discuss your asking price with a local Realtor® in order to gain more knowledge about resale properties in your neighborhood or subdivision.
  • Curb appeal is still an important factor. Attracting prospective buyers who drive by the properties for sale in your area is key to enhancing the emotional appeal of your home. A spotless interior will never be seen if the exterior is not in tip-top condition.
  • Interior decorating increases buyer desire. Even though buyers know that the furnishings don’t stay with the home, attractive interiors make the sale. On average, professionally staged homes sell 88 percent faster and for 20 percent more than non-staged homes, according to data from the National Association of Realtors®.

For more information on pricing your home correctly and getting reedy to list please call, email, or text me anytime.

IT’S A GOOD LIFE!

Five Star award Winner 2011- 2018 honoring the top 7% of real estate professionals in Oregon. 

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES,  Diversity Specialist-HOWNW, Earth Advantage Broker, MASTERS CIRCLE, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email-    homesforyou@frontier.com

View a current list of ALL available Houses on the market go to my website

Licensed in the State of Oregon

My business is referral based.
If you’ve enjoyed my service, please refer me!

9 Ways homeowners can save on utility costs

  1. Wash full loads of dishes and clothes.
  2. Air-dry dishes, sheets and lightweight clothing, whenever possible.
  3. Use timers and motion sensors to turn lights off and on.
  4. Lower the temperature on your hot water heater to 120°
  5. Use weatherstripping and caulking around doors and windows to prevent drafts.
  6. Regularly replace HVAC filters, and have a licensed professional inspect your heating and cooling systems twice a year.
  7. Use spray foam insulation to seal gaps around pipes, chimneys, lights, windows, and brickwork.
  8. Invest in a programmable thermostat to conserve resources and money.
  9. As they burn out, replace incandescent bulbs with energy-efficient LEDs or CFLs.

In addition, contact your utility company and ask if they offer a free home energy audit. According to AmericaSaves.org, energy lost from a basement, unfinished room, attic, or garage can be an expensive waste of money. Sealing leaky ductwork can provide additional savings.

IT’S A GOOD LIFE!

Five Star award Winner 2011- 2018 honoring the top 7% of real estate professionals in Oregon. 

Rachel Sheller, Principal Broker, Realtor, CRS, ABR, GRI, SRES,  Diversity Specialist-HOWNW, Earth Advantage Broker, MASTERS CIRCLE, CSA-Certified Staging Agent, Oregon First, Washington First

Direct 503.380.9634, Email-    homesforyou@frontier.com

View a current list of ALL available Houses on the market go to my website

Licensed in the State of Oregon

My business is referral based.
If you’ve enjoyed my service, please refer me!