Tag Archives: Rachel sheller’s blog

Be Aware Of These Home-Buying Fees

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In addition to a down payment, here are some other expenses home buyers need to be aware of. “Just because you’re spending hundreds of thousands on a home doesn’t mean you should be comfortable throwing thousands of dollars at fees.”

Be sure to ask your lender or Realtor® any questions you have concerning the fees you’re being charged. In addition, your real estate agent may be able to help you negotiate the cost of some of these home-buying expenses.

Home inspection: Inspectors will look for any signs of structural issues, mold and leaks. They also assess the condition of the roof, gutters, HVAC, water heater, plumbing, electrical system, and more.

Appraisal: Mortgage lenders require an appraisal report to ensure that the property is worth the sales price agreed upon by the buyer and seller.

Loan application: Thelender will charge fees for running your credit report and processing your application. Be sure to ask for an itemized list of these charges.

Mortgage loan origination fees: These upfront costs, which are associated with underwriting and funding the loan, are quoted as a percentage (typically 0.5 to 1.5 percent) of the total amount borrowed.

Private mortgage insurance (PMI): Lenders generally require buyers to put down at least 20 percent of the purchase price of the home. Otherwise, PMI is required to protect the lender if the buyer should default on the loan. The PMI should be automatically canceled once the buyer reaches 78 percent of the loan-to-value ratio.

Tax service: This fee ensures that the seller’s tax payments on the property are up to date and that the buyer’s payments are correctly credited.

Property survey: This report outlines the boundaries, dimensions and major features of the property.

Title services: Title companies charge fees to cover the title search, notary costs, government filing fees, and more to ensure the buyer receives a clear title to the property.

Five Star award Winner 2011- 2019 honoring the top 7% of real estate professionals in Oregon.

IT’S A GOOD LIFE!!

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- rachel@rachelsheller.com

View ALL available Houses on the market on my website rachelsheller . com

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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Is There A “One-Size-Fits-All” Checklist For First-Time Buyers?

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Unfortunately, there isn’t one checklist to follow that meets all home buyers’ needs. However, here are some tips to help first-time buyers avoid making these five common mistakes.

1.     Choosing a home that’s too small. You may not be planning to have children when you buy your first house, but those plans could change in the next 3-5 years. A cozy two-bedroom bungalow tends to get very crowded after the second child arrives.

2.     Choosing a home that’s too large. A five-bedroom Victorian may feel luxurious, but owning such a spacious house before your family has grown into it can be costly. In addition, your tastes in housing styles may change over the years.

3.     Buying an underpriced property. You may stumble on a house that’s a great bargain: priced to sell fast. It may be because the owners need to move quickly and have priced their house below market value. However, there may be other reasons that the house is underpriced, which means you’ll have to deal with those issues whenever you sell.

4.     Investing in a fixer-upper. It’s tempting to buy a house with great potential and plan to rehab it yourself. Unless you really enjoy carpentry, plumbing and painting – and have lots of free time and cash on hand – you may find your dream home has morphed into a nightmarish money pit.

5.     Falling for the amenities. Maintaining lush landscaping, a huge vegetable garden, massive trees, a pool, and an oversized lot can easily steal all of your leisure time. As a new buyer, you may want to minimize the number of amenities you have to care for this time around.

Five Star award Winner 2011- 2019 honoring the top 7% of real estate professionals in Oregon.

IT’S A GOOD LIFE!!

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- rachel@rachelsheller.com

View ALL available Houses on the market on my website rachelsheller . com

Licensed in the State of Oregon and Washington

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

Consumers Call For Sustainable Home Construction

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Sustainability is the key word in new home construction. Rising energy costs, poor air quality and wasteful water usage are driving the consumer demand for greener houses, according to the National Association of Home Builders.

Energy-efficiency measures: Buyers of new homes have come to expect high levels of insulation, efficient HVAC systems, high-performance windows, and energy-saving appliances and lighting.

Water conservation practices: Water-efficient fixtures and appliances, whole-house filtration systems, and low-maintenance landscaping are three ways to conserve this precious natural resource.

Material selections: Durable products that are as long-lasting as they are eco-friendly include high-performance engineered wood, wood alternatives, recycled building materials, and sustainably harvested lumber.

Air-quality considerations: The home’s indoor environment is enhanced by the choice of high-quality HVAC equipment, formaldehyde-free finishes and consumer products with low volatile organic compounds.

Site design measures: Incorporating green spaces and preserving healthy trees are positive ways to minimize disruption to the existing land.

Five Star award Winner 2011- 2019 honoring the top 7% of real estate professionals in Oregon.

IT’S A GOOD LIFE!!

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- rachel@rachelsheller.com

View ALL available Houses on the market on my website rachelsheller . com

Licensed in the State of Oregon and Washington

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

SELLER TESTIMONIAL

“Thank you so much for your expertise and kindness in selling my home. It is often hard to let a home go – and to try to quantify the priceless memories it holds. You were thoughtful and respectful of me and my sweet home. You brought joy and calmness to the process- and always found the right step to take to support the best price for my home.

Thank you thank you thank you for all that you did to sell my home and support me. I always felt like your only and most treasured client. . .

Blessings always to you.

Elizabeth”

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-    homesforyou@frontier.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!

Practical solutions for a streamlined closet

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Practical solutions for a streamlined closet

If you’re like most people, reorganizing your closet has been on the top of your to-do list for quite some time. Here are some tips for deciding what stays and what goes, so you can easily find the clothes you want to wear without digging through your entire closet.

Solution #1: Three-month rule If you are constantly pushing aside unworn items in search of what you want to wear today, then it’s time to get rid of old clothing. Any items that are in season and haven’t been worn in the past three months probably aren’t going to be worn again. Consider donating usable clothing, shoes and belts, but throw away anything that’s stained or torn. For special occasion items like fancy footwear, formal wear or holiday-specific items, store them in a separate closet or in plastic bins.

Solution #2: Steps for shoes Instead of scattering shoes on the floor of your closet, check out boot and shoe storage options at a home improvement store. Solutions range from under-the-bed racks on wheels to over-the-door hanging bags and from benches to baskets to shelving to bins and boxes.

Solution #3: Containers and more Once you’ve cleared the clutter out of your closet, use storage containers and other organizational systems to keep hats, socks and jewelry in a specific spot. Putting this solution into practice is the real challenge. Although by making it a habit, you will save time on a daily basis and make sharing a closet a cinch.

Just a little helpful tip brought to you by…

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

Direct 503.380.9634, Email-  homesforyou@frontier.com

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

***I’M ALWAYS HAPPY TO HELP YOU AND YOUR REFERRALS***

Licensed in the State of Oregon

 

 

RARE 1 level home in Sellwood! Priced to sell $450,000. RMLS #18584205

1424 SE Lambert Street Portland, OR 97202~$450,000! RMLS #18584205

Immerse yourself in the Sellwood lifestyle! This intimate & cozy home has limitless possibilities with this flowing 1 level floor plan. 3 spacious bedrooms, 2 sparkling clean bathrooms, resilient laminate flooring, 1 car over-sized garage, xtra long driveway (this is HUGE in this location!), PLUS ALL appliances included (Fridge, stove, dishwasher, clothes washer and clothes dryer). Roof, windows, flooring, and water heater replaced in the past 10 years. Cozy covered deck, perfect for year round entertaining,  welcomes you to a rare and wondrous “Zen” like retreat! Walk or bike just about anywhere! Close to everything! Priced to move in this fabulous location!

Can you imagine walking to Sellwood park for swimming in the summer or just playing in the park! Or walk to Oaks park for a day of fun! What about getting bundled up, bring hot chocolate and walking to watch the Christmas ships in the winter? The lifestyle and location just can’t be beat!

Call me or see more info, pics & tour on my website.

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, Direct 503.380.9634, Email-    homesforyou@frontier.com

View ALL available Houses on the market on my website.

***I’M ALWAYS HAPPY TO HELP YOU AND YOUR REFERRALS***

Licensed in the State of Oregon

First-time buyers want your home!

First time homebuyers want your home.

Call or email today. Together we’ll explore the possibilities in our ever-changing real estate market. 

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, Realtors

Direct 503.380.9634, Email-    homesforyou@frontier.com

View a current list ALL available Houses on the market on my website.

***I’M ALWAYS HAPPY TO HELP YOU AND YOUR REFERRALS***

Licensed in the State of Oregon