Showing posts with label Real Estate. Show all posts
Showing posts with label Real Estate. Show all posts

Monday, November 7, 2016

18102 BIG FIR COURT, YELM WA 98597


Wonderful, secluded corner lot calls your name! Clearwood home surrounded by vacant lots and a fully fenced backyard, offers a sense of seclusion from the hustle and bustle of the city. Views of nature all around - feel like you are on vacation every time you come home. Featuring hardwood floors, a gas fireplace, updated cabinetry, and an energy saving heat-pump for warmth in the winter and cool in the summer. Definitely a must see! Taking into account the need for new carpet, this home is priced to sell!
Bedrooms: 3
Bathrooms: 2.5
Square Feet: 1,614
Price: $190,000

For more information about this property, please contact Cynthia Schmier at (360) 400-3475
or cschmier@remax.net

Friday, November 4, 2016

16236 VANCIL COURT SE, YELM WA 98597


Spacious and Pristine Property in Timber Estates! Flowing Open Concept Floor plan with numerous windows and 9 foot ceilings; natural brightness throughout. Alcove ceiling and trompe l'oeil mural in main floor den/office. Soothing custom color palette throughout. Large Master Suite has soaker tub in attached bath. 8 foot slider leads to backyard with privacy fence, concrete patio, garden shed and mature landscaping. 3 car garage has additional storage. Save on gas! Located within walking distance to downtown: groceries, movies, library and more!

Bedrooms: 3
Bathrooms: 2.5
Square Feet: 2,434
Price: $289,000


For more information about this property, please contact Cynthia Schmier at (360) 400-3475
or cschmier@remax.net

Thursday, September 1, 2016

Universal Design: Functionality For All!

Universal Design

First off, what is Universal Design?  (or another term you may have heard as well, "Barrier Free")  When it comes to architecture, it means that the home is designed in such a way that it is accessible for all walks of life; the home is practical for someone regardless of their size, age, if there's a disability or not.
The idea for universal design in housing grew out of the recognition that, because most of the features needed by people with disabilities were also useful to others, there were plenty of reasons to make their inclusion common practice. An example of a universal feature that makes common activities easier for all would be raising electrical outlets to 15 +". above the floor. This eliminates the need to bend over as far, in turn, making them easier for everyone to use.  Moving is also much easier in houses with step-less entrances and wider doors and hallways.  Other design features create experiences many people have not had before. For instance, bathrooms with extra floor space (so designed to accommodate users of mobility aids) are perceived as up-scale and people bask in their new-found ability to have furniture and decor options in the bathroom.  (Oh the luxury of having room for a changing table, or a vanity table and chair, perhaps an etagere, not to mention it would certainly set your home apart !)  And it can easily be removed if the space is ever needed to accommodate a family member or friend.
Universal design in housing isn't a new science or style by any means and really only requires an awareness of need and market as well as a practical approach. The goal is to produce an environment that can be usable by everyone to the greatest extent possible.  Typically it requires only slight changes in small things to get a good start, like the shape of something, its placement or size, its operation, or the way in which the user must interact with the item.
Now some people may have pre-conceived ideas that crop up when this universal design concept is explained.  But just because a home is built for functionality for all, doesn't mean it can't also be aesthetically pleasing. And when a home is constructed with both concepts in mind (beauty and universal design) you can have a masterpiece that is as pleasing to the eye as it is practical. For a real world example, I give you 12035 Hobby St SE in Yelm.
http://www.matrix.nwmls.com/DE.asp?k=3107918X2KG0&p=DE-67164891-758
To take a virtual tour, click on the following link: http://www.tourfactory.com/1567748
This Wiens Log Home was custom built in every aspect according to universal design and as you can see, it's quite the show-stopper.
If you're looking for a way to set your house apart from the usual selection, maybe try doing some alterations and see what happens!


Monday, August 29, 2016

Remodeled Rambler with New Back Deck! 77th

Turn-Key Remodeled Rambler in Evergreen Shores! Total make-over home on 1/3 acre! Freshly painted int/ext, new roof, new floors & doors, new light fixtures, new gas furnace, new water heater & more! Kitchen boasts better-than-granite Quartz counters, Maple soft-close cabinetry, & SS appliances. Wide-plank re-finished Oak floors & Luxe Plank vinyl thruout. Large lot w/ lndscpd front yard & new back deck. Community Beach Club offers pool, basketball court, covered picnic area, boat launch & beach!

Monday, August 8, 2016

14726 91ST AVENUE, YELM, WA, 98597


Property Site:  http://www.remax.com/realestatehomesforsale/14726-91st-ave-se-yelm-wa-98597-gid300021644621.html

Beautiful & Abundant Home in Bella Housa Village! Crown molding, white trim, and over-sized windows throughout! Spacious dwelling features den with bench rail and shadow box wainscoting. Brushed engineered hardwood floors! Kitchen has walk-in pantry, numerous chocolate cabinets, granite island and counters with glass tile back splash & stainless steel appliances. Gas fireplace in living room. Master suite has soaker tub. Fully fenced yd with covered patio. Conveniently located off main highway for traffic avoidance. Access to clubhouse!
 
Bedrooms: 4
Bathrooms: 2.5
Square feet:2,383
Price: $280,000
 
For more information about this property, please contact Cynthia Schmier at (360)400-3475 or cschmier@remax.net.

Friday, July 29, 2016

EXTRA Yardage

It's how you use it that counts


Want to make better use of your outdoor space without spending a lot of money? Try these three simple tricks that can make all the difference between using your backyard and just looking at it.

 ❶ Romantic lighting can really add drama and whimsy to an otherwise dull outdoor space. Try stringing lights over a patio for a look that recalls street cafés and romantic restaurant patios. If you don’t have natural hanging spots for your lights to hook onto, install a simple, wood pole with a loop or hook screw on top. You can install the poles directly into the ground, or attach them onto your pre-existing railings or a heavy base.

❷ Potted trees and bushes can divide designated areas, provide shade in the summer heat and create privacy. Consider ‘Skyrocket’ juniper trees, bamboo or arborvitae to start. You may want to ask your local plant center for ones that grow well in your area of the country and how they survive winter, if that is a consideration.


❸ Add a chimenea. If you live in a climate where it’s cooler at night and you want to extend the life of your patio past summer, add a simple, small chimenea. These are fire pits with a round, open belly and a thick pipe on top. The fires start quickly, don’t get too hot or too big, and are more easily controlled than a traditional open fire pit.

Cynthia Schmier, Broker/Owner 
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com

Friday, July 22, 2016

Helping Parents Find a Home

Mom and Dad need a New House


I have talked many times about Baby Boomers retiring and moving into smaller, more manageable starter homes or condos where they have little maintenance and are close to amenities.  But very often they have no idea where to start or they are wanting to move closer to children who have moved to areas they are not familiar with.  So how do you help them when they want to be closer to you?

Find an Agent:
You knew I was going to say it.  Find an agent that is willing to work with both you and your parents.  When there are extra people involved, it makes it a little harder on the agent. So find someone you all like, trust, and who has everyone’s best interest at heart.  It’s really not hard to find.

Communication:
This is so important!  Find out what they are really looking for, what their budget is, how close to you do they really want to be, what size home do they want, and so much more.  It is vital that everyone is open and honest and has clear boundaries as well as realistic expectations. Otherwise you’re setting yourself and them up for failure.

Schedule time:
Set aside time to view homes with them or weekends to go to open houses.  If they are too far to do it in person, make time to video or Skype together while you walk through the house.  Never let them buy a house sight unseen that’s bad Ju-Ju and will always come back to haunt you.

The home is theirs:
Don’t forget the final decision is your parents'. This is not your home.  They have to live in it, so they have to love it. You're feelings towards their prospective home are secondary.


Don’t let the process get you down.  Have fun looking at the homes and doing research for different areas and have fun with your parents. 

Cynthia Schmier, Broker/Owner 
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com

Wednesday, July 13, 2016

33120 54th Ave S, Roy WA 98580


 
Gorgeous home on just over 5 acres! Immaculate interior is move-in ready! This Sunrise Homes dwelling features an indoor pool, 2 owned propane tanks, hardwood floors, and fiber-optic lights throughout. Kitchen boasts oak cabinets, gas stove, and an industrial sink. Enjoy this spacious open floor concept! Windows abound allowing for natural lighting throughout. Two car garage has upstairs storage with balcony. Master bathroom has tile surrounded jetted soaking tub. Property is fully fenced and beautifully landscaped!
 
Bedrooms: 3
Bathrooms: 2
Square feet:1,733
Price: $349,000
 
For more information about this property, please contact Cynthia Schmier at (360)400-3475 or cschmier@remax.net.

Thursday, July 7, 2016

2118 328th St S, Roy 98580


Property Site:  http://www.remax.com/realestatehomesforsale/2118-328th-st-s-roy-wa-98580-id272782991.html

Ready, Set, GO! 20 acres with private well, 2 bedroom septic, and power all present. Old mobile included at no value. Great garage with shop! Apple, pear and plum trees on property. Previous owners had a family ginseng farm on site. Classified as "open space" meaning LOW taxes! Come take advantage of this fantastic opportunity!

Bedrooms: 2
Bathrooms: 2
Square feet: 1,188
Price: $95,000

For more information about this property, please contact Cynthia Schmier at (360)400-3475 or cschmier@remax.net. 




See more listings at: www.Cynthia-Online.com




MLS ID: 970545

15602 Lindsay Rd SE, Yelm 98597



Large home on 1/3 of an acre presently being used as 6bdrm residence. Remodeled floors, light fixtures & more. Kitchen features granite double sink, tile floor with inlaid design, glass tile back splash plus stainless steel appliances, including double oven. Huge dining room with grid window sliding glass door leading to a glorious landscaped backyard. Jetted tub in Master Suite. Access to Lake Lawrence community areas (tennis courts, boat launch etc) Additional lot with potential for second dwelling. Well maintained!

Bedrooms: 4
Bathrooms: 2
Square feet: 3,230
Price: $310,000

For more information about this property, please contact Cynthia Schmier at (360)400-3475 or cschmier@remax.net. 




See more listings at: www.Cynthia-Online.com




MLS ID: 969742

Friday, March 18, 2016

Millennials in the Market Part 3



Millennials  part 3

At this point we know what millennials want, lots of amenities, smaller, flexible spaces, historic structures and socially engaging neighborhoods all in the right price range.  We also know they are in direct competition with baby boomers for these properties at some what of a disadvantage because of there lack of savings and slower economic growth and their lack of experience in negotiating for what they want. Millennials are now the biggest group of home buyers in the market and they are changing things including how agents do business. 

According to NAR survey only 3 percent of agents are under 30 and 81 percent are over 45.  That means many old dogs have to learn some new tricks. To say millenials are technology savvy would be an understatement.  More than 50 percent of millennials search for homes on their phones and among those, 26 percent end up buying a home they found that way, according to National Association of Realtors. Millennials rarely need agents to find homes for them, they usually have their own list, and they’ve already researched comparable sales and chosen a neighborhood.  “With millennials, we do not control information,” Says Player Murray, managing broker at Berkshire Hathaway HomeServices.  “what they need is for us to interpret the information.”   But that isn’t always easy for agents either.  Millennials don’t want to talk.  They would rather email or text.  Murray says “they don’t want to be bothered with conversation of it can be texted.”  Which can be a real challenge for agents who have spent most of there careers on the phone with their clients.  Agents also have to learn to use social media in new and creative ways in order to keep millennials engaged.  “They need to feel like they’re a part of your business.” Murray says.  “Just re-posting an article that’s been posted 1,000 times across the country isnt enough.”


With all that said millennials are still the most likely group to use agents to buy a home.  They are more likely to buy a fixer and value the advice, resources and referrals an experienced agent can provide.  They are also all very new to the home buying game and although there may be a huge disconnect they still need the help.  So agents are changing the way they do business and trying very hard to understand the Tweets, short cryptic emails and acronym laced texts.  Agents are getting apps for their businesses and hiring social media marketing experts.  It just goes to show you can teach an old Dog new tricks.  
Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country

Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com
      

Friday, March 11, 2016

Millennials In the Market 2



Millennials part 2

Right now millennials are the biggest group of home buyers in the country, but they have some serious competition the baby boomers.  The real estate market has become a generational war zone and baby boomers aren’t fighting fair, at least according to the millennials their not.  With Baby boomers retiring in great numbers most are looking to down size from larger more suburban homes to small homes closer to or in the city.  They are looking for convince and amenities within walking distance.  Now that the economy is head upward millennials are now making enough to move out of mom and dads basement or trade in the four roommates they have for none and buy their own home.  Great news except guess what they are looking for?  You guessed it smaller homes near or in the city with in walking distance of most amenities.    

Millennials being the socially connected, environmentally conscious group they are want to buy existing homes.  They love the history, location or architectural detail and they are usually close to downtown.  Guess who else loves all those things?  You guessed it baby boomers.  Baby boomers love history and being that most of them are retiring they are looking for something with a few projects they can work on to fill their days.

Why is any of this unfair you ask.  Well it comes down to two things that baby boomers have that millennial don’t experience and money.  Baby boomer Know how to negotiate to get what they want and being that according to NAR survey, only 3 percent of agents are under 30,and 81 percent were older than 45 Baby boomers are able to relate to and work with their agents a lot better.  Millennials who do business very differently now don’t really have the tools to negotiate.  And of course there is the money issue.  “Boomers will pay a premium if you can give them exactly what they want,” said Matt Robinson, principal at MRP Realty.  “Something closer to what was in their house, and that pushes up the price; they’re happy to pay for it.”  Many millennials are not well suited to compete being that most of them entered the market in the middle of the recession and during the lackluster recovery few have had time to build any real wealth.

This War of generations is driving up prices on not only starter homes and condos but rental prices too.  It is also cause a shortage of properties which is starting to concern most real estate agents.  Real estate agents have to start learning how to better work with millennials in order to stop the War but that’s a subject for another blog.


Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country

Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com


Friday, March 4, 2016

Millennials in the Market.



Millennials



For quite awhile now Baby boomers have dominated or shaped the cultural and economic landscape in which we live.  With baby boomers beginning to retire in large numbers, and shrinking numbers as they age, there is a new economic driver at play – Millennials. 

Millennials are a socially connected, environmentally conscious group.  They value individuality within the larger society but also want their choices in life to positively impact the world around them.  Members of this socially active generation want to live close to where they work and play.  This is pushing some new trends in real estate and how agents deal with their clients.

Projects incorporating retail, office and residential options into one compact area or building will continue to trend upward as developers cater to millennials lifestyles and demands for high end amenities.  More and more developments are offering ground floor retail combined with apartments or lofts above that also offer amazing amenities such as rooftop pools and cabanas with coffee and wine bars, or gated dog parks and outdoor kitchens. 

Another trend is the 18 hour city.  This trend focuses on the increased development of urban centers, rather than their surrounding suburbs.  This is often described as the shrinking donut, and is closely connected to the changing lifestyles generated by millennials.  This trend also reflects the retiring baby boomers who are downsizing putting them in direct competition with millennials for real estate, but that is a topic for another blog.  These 18 hour cities are rewarding developers for focusing on preexisting infrastructure.  Often, the history, location, or architectural details of a downtown building provide the amenities and sense of place millennials seek.  

The last trend is the flood of investment capital into the U.S. as well as an uptick in crowd funding.  Most foreign investment has been concentrated in major US metro markets, but it is quickly starting to flow to small metro areas to develop smaller more historic cities.  Crowd funding is also playing a big role in this trend by allowing millennials themselves to invest in the area they want to live with out having to be a millionaire in order to invest.  

These are just a few of the ways millennials are affecting real estate.  They are having profound effects on the market.  Weather you like or dislike the trends with, over 80 million millennials its not going anywhere anytime soon.


Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country

Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com


Monday, February 8, 2016

9321 339th St S Roy, WA 98580

Property Site: http://tour.circlepix.com/home/JYVMV9
Welcome to Whitewater Estates - a gated Equestrian community w/river access & miles of horse riding trails! New hardwd flrs & carpet. Soaring ceilings in living rm w/fireplace & Bench rail accents. Spacious Family rm w/Pellet insert. Recently updated Kitchen w/refinished cabinetry, granite slab counters, isld w/eating space. Master Suite w/exquisite walk-in glass shower, tile & Quartz counter. Freshly painted interior & exterior. Horse ready! Vinyl fencing with 4 stall barn or shop. Owner built!
Bedrooms: 4
Bathrooms: 2.75
Square feet: 2,352
Price: $459,900

For more information about this property, please contact Cynthia Schmier at (360)400-3475 or cschmier@remax.net. You can also text 3325084 to 67299.


See more listings at: cschmier.remax-pacificnorthwest.com


MLS ID: 889118

Friday, February 5, 2016

Hot or Not Market!



Emerging Trends in the Market

We are only a few months into this New Year but there are some trends emerging in the Market.  First off the coasts are hot; I would even dare to say on Fire.  But they are quickly running out of inventory which is driving home prices up quickly.  Why the Shortage?  Well there might be a few answers for that.  It could be that with the economy returning, millennials who have been living with family are now trying to get out on their own.  At the same time baby boomers are seeking to downsize and have a lower cost of living which is flooding the market with buyers.  Or it could be that financially recovering GenXers are investing in their current homes in fear of the market and mortgage rates possibly going up, leaving the market with a lack of inventory.  It could also be potential sellers are very apprehensive of the market, mortgage rates and ability to get a new loan.   The fact that few new entry-level homes are being built because of rise in cost may also be contributing to this trend.  Regardless of what the reason for the lack of inventory it is defiantly a sellers market right now even if the sellers don’t know it.  I guess I end this Blog with a question.  Will this trend continue or will confidence in the market return?  



Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country

Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com



Friday, January 29, 2016

Pet Lovers Are Welcome!!




Pet Friendly Real Estate


No one shopping for a new home wants to walk into a house and smell the animals that live there, however the days of being asked to hide the fact that you have a pet are long gone.  Some real estate companies are not only allowing pets, they’re catering to them.  In fact Pet friendly agents have found one another on a growing social platform called the Pet Realty Network.  The network launched in 1997, now boasts 300 members who pay $30 annually to be included in the directory and can add to its pet friendly listings.   Even home builders are touting pet-accommodating floor plans, such as pet nooks in mudrooms, heated window perches, scratch proof flooring and custom-built cabinets for food bowls. “Its quite amazing what some people are doing now and what they are demanding,” says Rhona Sutter, Founder of Pet Realty Network.  “Its something buyers really think about now when they build. Pet Friendly has come into the forefront of consideration.” 

 The reason for this pet friendly craze in the real estate world?  Well nationwide, dog ownership is climbing, fueled in part by millennials who are postponing marriage and child-rearing and getting pets instead.  The American Pet Products Association found in its most recent pet-owner study that 44 percent of American households, or more than 54 million, own at least one dog, up from 38 percent, or 35 million, in 1990.  Its not just millennials driving this new trend, ProMatura, a Mississippi real estate research and advisory firm specializing in age-qualified housing, surveys seniors every year on what they want in their housing communities.  In last years survey, 43 percent of respondents indicated they thought a dog park was essential or desirable, up 33 percent from the previous year.  Apartment and condo developers from New York City to Washington State are incorporating pet amenities like grooming stations, day boarding facilities, dog-walking services, veterinary clinics, miniature dog parks, and even rooftop dog walks with special cleaning systems.   Real estate agents now have to show themselves as pet friendly weather it is through networking, marketing or even how they stage the homes.  No matter were you are or for whom you work, you will now have to take into consideration all the members of the family even the furry ones. 



Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country

Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com


Friday, January 8, 2016

Stuck in a Rut? Spruce it Up!



ACCESSORIZE IT­

If your home décor seems stuck in a rut, updating your accessories can bring more spice to your living space. When accessorizing your home, follow these simple tips and tricks from HGTV and HouseBeautiful.com.

*   Highlight a few favorite accessories at one time. While it’s fun to collect different styles of pillows, artwork and collectibles, displaying them all at one time can overwhelm the room. Try showing only 20 percent of your prized accessories at a given time and change them regularly throughout the year.

*   Highlight a focal point in the room. Perhaps you have a uniquely designed fireplace mantel or a treasured area rug that you want to showcase. Select a piece of artwork to complement the rug, or display a few photographs or your favorite figurines along the mantel.

*   Choose a color scheme and theme. Before buying accessories, decide on one or two colors that will add visual interest to each room and complement your furniture and wall colors. If your furniture and walls are neutral, choose bold colors for your accessories to create a vibrant look. Accessories can also play up a theme of a room.

*   Group similar items. To create a consistent, balanced look, display accessories in small groupings. Some designers work by the rule of three. For example, a trio of matching mirrors lined up on the wall with a contrasting background can provide a dramatic focal point.

*   Light up your space. Create instant impact by choosing light fixtures that complement the design style of the room. To create a certain mood, use wall sconces, an extravagant chandelier or recessed lighting. With the right accessories, your home can go from ­­stale to stunning in no time.


Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country

Cynthia@Cynthia-Online.com
(360) 400-3475
www.cynthia-online.com

Saturday, October 17, 2015

14850 Terra View St SE Yelm, WA 98597

Property Site: http://tour.circlepix.com/home/K4WUUG
Welcome to Tahoma Terra! Cute as a button! Open concept with Living/Kitchen/Dining. New carpet. Freshly painted. New kitchen appliances and light fixtures. Wired for surround sound. Large Master Bedroom with walk-in closet. Move-in ready! Fully fenced back yard. Attached garage. Covered front entry. Close to schools, shopping, walking trails, golf, theaters and and more! Great commuting location with easy access to JBLM. Come take a look!
Bedrooms: 3
Bathrooms: 1.00
Square feet: 1,424
Price: $174,000

For more information about this property, please contact Cynthia Schmier at (360)400-3475 or cschmier@remax.net. You can also text 3126433 to 67299.


See more listings at: cschmier.remax-pacificnorthwest.com


MLS ID: 859164

Tuesday, June 16, 2015

Still Inspired After 25 Years in Real Estate


When Cynthia Schmier first visited Yelm in 1985, the main things she remembers are “one stoplight and tumbleweeds.” Thirty years later, both she and the realty business she started, RE/MAX Country, have become fixtures downtown and symbols of the growing local economy. After 25 years in business, she continues to be inspired by the clients she works with, the team she’s created, and the Yelm community.

With clients, she says, it’s important to stay in the moment; therefore no matter how many houses you’ve sold, each day is different. “Every client has a unique criteria based on what’s going on in their life,” she says. “You’re strategizing to help them reach their objective. That’s what the art of real estate is. It’s facilitating their needs and keeping an emotional ride out of the picture as much as possible. It changes moment by moment.”

She also finds that working with clients can be a great vehicle for personal growth. “It’s a personal journey of unwinding,” she says.  “Every person I engage with is a discovery of myself and how I interact with that person. It’s revealing and is always rewarding. I like the adventure - what unfolds when you go down the trail with a client. That is probably the biggest reason I love this business.” Cynthia’s motto: “Excellence - More than a Goal, It’s A Way of Life!”

Within her office, she’s worked to develop a culture that is honest, supportive, and constantly evolving. “The embodiment of the building is ‘What can we learn from this?’” she says. “It’s the people. We review everything, including the client’s feedback regarding their experience. We may agree or disagree, but it’s their feedback that gives us the opportunity to see what we’re projecting and how to improve on ourselves. This is the pot of gold.”  

Her team includes specialists in different areas of real estate and, as she puts it, “Everyone works their buns to the max in this firm. We really have a great support here.”  One thing that Cynthia is very clear on stating to all her clients is that without her staff she couldn’t do it. They make it happen.
Over time, Cynthia has seen many changes in the region. When she first became a real estate broker in 1990, Yelm was still very much a rural town, although a growing one. “I couldn’t find a house to buy that had sheetrock,” she says, laughing.

Having moved from a high-end lifestyle in the vacation mecca of Lake Tahoe, California, the transition was a bit of a shock.  At the same time, she found the Pacific Northwest extremely inviting and spent five years on a one-hundred-acre property in Chehalis before moving to Yelm.

Today, she says, “I love this community. I love the diversity. We have founding families, we have international people, we have military, history, and just friendly folks. My inspirations come daily interacting with such fine traits.”


Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
(360) 400-3475
www.cynthia-online.com

Thursday, June 4, 2015

Financing a First Home

Although financing a first home can be challenging, buyers who are prepared and know what they can afford up front can help expedite the process and save themselves unnecessary headaches later. Before starting your home search, follow these financial tips from the National Association of Home Builders and Bankrate.com.
  •  First, figure out what you can afford to pay each month. In addition to principal and interest, figure expenses for local taxes, insurance, and if buying a con-dominium, monthly assessments. Once you have this calculation, don’t be tempted by lenders to pay more than that. Free mortgage calculators, which are available on many real estate and finance websites, can help you estimate monthly payments based on current interest rates and down payment. Generally speaking, no more than 28 percent of gross monthly income should be allocated to housing costs.
  •  Pay down your debts. Any credit card debt you have can limit how much you can borrow from a lender. Check your credit report thoroughly for any errors or unpaid accounts, and resolve those issues before moving ahead. Allow at least six months to iron out any credit problems before shopping for a home, experts suggest.
  • Determine your monthly cash flow. Track your spending for two or three months to see where money is going. Once you know what you can afford and what your cash flow is, you can determine your down payment.
  • Organize documents, especially those that validate income and taxes. Most lenders may want to see two recent pay stubs, W-2s and tax returns from the previous two years, and the last two monthly bank statements. Having these documents ready ahead of time can help the lending process run more smoothly.
If you are just getting started, check out local home-buying seminars or sites like HUD.gov, which provides information about shopping for and financing a home. Ask friends, family and co-workers for referrals for lending professionals they’ve worked with previously, and talk with lenders and credit counselors to find financing options that will work best for you.

Cynthia Schmier, Broker/Owner
CRS, CDPE, CNE, CIAS, MDI, 5-STAR, SRS
RE/MAX Country
(360) 400-3475
www.cynthia-online.com