Meticulously Maintained Rambler Loaded W/ Upgrades on 5+ Acres!

Lifestyle! Meticulously maintained Rambler loaded w/ upgrades on manicured 5+ acres. Kitchen boasts tile flrs, granite counters, ss appliances, double oven & Maple cabinetry. Brazilian cherry hdwd flrs. On-demand hot water. Wood trim & doors. Auto-generator system. It has it all! Lrg shp, outbuildings, pool, water features & huge deck. Fully fncd pasture w/garden space, shed, separate Rec Rm plus RV pad. Additional unit included at no value. Easy commuting. Perfection at its Finest!

Equity in Your home!

Tap into your home’s value

For years, homeowners were afraid of tapping into their home equity—and rightfully so, considering the downward trend of home values in markets across the country.

But since prices began rising in late 2012, many homeowners have recovered significant chunks of equity and are now starting to feel more comfortable tapping into that; particularly to make renovations and repairs that may ultimately increase the value of their homes.

This combination of rising equity, tight inventory, and historically low interest rates make home equity lines of credit (HELOCs) look pretty attractive. But homeowners looking to take advantage should make sure they understand the following information first:

Does it have fixed interest rate or a variable interest rate and what is the rate?

What is the limit?

What are the terms of the draw period? When does it end and what are the terms thereafter? Particularly note how the monthly payment changes during and after this period.

Is the interest tax-deductible?

Savvy homeowners may want to check their credit beforehand at AnnualCreditReport.com to help determine what kind of terms they may get and if there’s anything they can do improve their creditworthiness. Make sure your creditor walks you through the process so you completely understand the agreement.

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

Equity in Your home!

Tap into your home’s value

For years, homeowners were afraid of tapping into their home equity—and rightfully so, considering the downward trend of home values in markets across the country.

But since prices began rising in late 2012, many homeowners have recovered significant chunks of equity and are now starting to feel more comfortable tapping into that, particularly to make renovations and repairs that may ultimately increase the value of their homes.

This combination of rising equity, tight inventory and historically low interest rates make home equity lines of credit (HELOCs) look pretty attractive, but homeowners looking to take advantage should make sure they understand the following information first:

Does it have fixed interest rate or a variable interest rate and what is the rate?

What is the limit?

What are the terms of the draw period, when does it end and what are the terms thereafter? Particularly note how the monthly payment changes during and after this period.

Is the interest tax-deductible?

Savvy homeowners may want to check their credit beforehand at AnnualCreditReport.com to help determine what kind of terms they may get, and if there’s anything they can do improve their creditworthiness. Make sure your creditor walks you through the process so you completely understand the agreement.

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

Summer Vacation and Your Home!

Summer Vacation and Your Home!

You found your perfect home, you bought it, you moved in and unpacked, and now you're ready for some well deserved R&R.  Whether it's just a few days out of town or a few weeks on a tropical island, there are some things you should do to prepare your home for your absence.

Preparing to Leave

Clean Out the Fridge:  Throw away anything that is or will be expired by the time you come back. Wipe down the shelves and door jams to prevent mold or mildew.

Shut off the water:  If a hose to a dishwasher or washing machine were to break, you could come home to a very large mess.  So turn off the water to at least those appliances.  You might want to run them and then leave the doors open to let them dry out so you prevent mold and mildew.  Also, getting the laundry and dishes done means no mess or extra work when you get home.

Prep Your plants and outdoor space:  Make sure all gutters and downspouts are clear.  Overflow could seep under siding and flood basements.  Mow and trim plants and hedges.  Ask a friend or neighbor to help or pay a neighborhood kid to mow and check on the house.

Leave on some lights:  Make it look like your home by leaving on some lights or have them on a timer if you don't want to waste money on your electric bill. Maybe pay the same kid who is mowing to turn on some lights at night. However you do it, it's important that your home look lived in even when your away.  Most criminals are opportunists; they will take the easy route every time.  So don't make it easy.

Unplug and reset thermostat:  Unplug all your appliances; they suck up energy even when not in use and no one wants their house to catch on fire because of a loose or crossed wire. In addition to that, reset your AC. You don't want to turn it off completely because it could get very musty, so set your AC to 85 and your house will stay cool and free of mildew.

Hold mail and newspapers:  A few quick phone calls and the post office and local delivery boy will hold all your stuff till you get back. Or you can give that kid a few more dollars and a key and he can take care of it for you.  

Preparing for your return

Food:  Make sure you have some non-perishables so when you get back, your first meal home is hassle free. (things like pop tarts, coffee, and soup are good to have.

Keep the house fresh:  Plug in an air freshener oooor you know that kid? Yeah have him open a few windows for a couple of hours a day.

Change the sheets:  There is nothing worse then coming home from vacation and having to do work.  Changing your sheets and maybe putting a dryer sheet in the blankets will insure a great night's sleep on your return home.

Tidy Up:  Sweep, Vacuum, Wipe down counters and any other stuff you know you won't want to do when you come home.

Happy vacation and don't forget to tip your neighborhood kid: he worked hard while you were gone!!

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

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

Get Bang for your Buck!!!

Return on Investment

Remodeling and replacement projects can add value to your home, but some projects recoup their costs

better than others. According to Remodeling Magazine’s 2015 Remodeling Cost vs. Value Report, small and exterior projects return the most value for your money.

The project that offered the best value overall was a steel entry door replacement, which recouped 101.8 percent of its costs when the home was sold. The steel entry door is consistently the least expensive project named in the report, costing about $1,200 on average. The second best value is the addition of a manufactured stone veneer, which can recoup 92.2 percent of its original cost, but be prepared to invest at least $7,000 for the improvement.

 

Replacing a garage door can return 82.5 percent for an upscale project and 88.5 percent for a mid-range project. Replacing your home’s siding with fiber cement will return 84.3 percent of the costs, while replacing vinyl siding recoups 80.7 percent. Adding a wood deck will return 80.5 percent and replacing wood windows earns 78.8 percent.

A minor kitchen remodel is a strong bet to add value to your home. An investment of $19,226 can return 79.3 percent of its costs. A major kitchen remodel recoups 67.8 percent and a bathroom remodel returns 70 percent.

  

To find out which home improvement projects bring the most value, talk to a CRS REALTOR® who knows the local market, housing inventory, and what buyers want in a home.

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

Working from home can Work!

Home WORK

According to a recent study by Telework Research Network, 30 million people work from home at least once a week, and that number is expected to grow by 63 percent over the next five years. While dedicating an entire room for a home office is ideal, it’s not always practical. With smaller laptops and office furnishings and Wi-Fi connections, work areas can be set up anywhere in the home. Before setting up a workspace at home, here are a few ideas to consider.

Adequate storage. Storage solutions don’t have to be fancy or expensive, but they do need to be tailored to hold everything you need, including reference books, office supplies and files.

Sufficient lighting. Tasks like reading or drafting require lighting that shines directly on the work. For task lighting, use energy-efficient, long-lasting LEDs and a dimmer switch to control levels.

Reliable power. Many older homes may not have sufficient power or may lack grounded outlets. An electrician can do a wiring inspection and upgrade outlets and circuits as needed. A strong Internet connection is also important. Make sure your DSL or cable modem is functioning well and can handle a demanding workload

Work surface. The type of work you do will determine the size of work surface you need. A longer, wider area is better for spreading out papers, while a smaller desk may work best for reading documents and making phone calls. If you use a printer every day, place it within easy reach.

Seating. If you sit for long periods, invest in an ergonomic chair. Though it may cost more, it can provide better comfort and support for your back.

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

Where is your investment best spent?

RETURN ON improvement

Are you thinking about selling your home, or do you just want to spruce things up and don’t know where to start? If you’re working within a strict budget, the thought of remodeling your home can be daunting. It’s best to assess your needs and also educate yourself on current market trends before you get started.

The 2015 Remodeling Cost vs. Value Report, produced by Remodeling magazine in cooperation with the National Association of REALTORS®, reports that large-scale jobs aren’t likely to return sellers their full cost. Instead, smaller replacement jobs tend to generate a higher return than remodeling projects. The report uncovers that replacement projects showed an average return of 73.2 percent, while the cost-value ratio of remodeling projects showed an average rate of return of 60.8 percent.

Arming yourself with information like this is key before you invest in making improvements. Here are the five mid-range projects that are most likely to recoup the cost of investment.

     →Entry door replacement – 101.8%

                    →Manufactured Stone Veneer – 92.2%
                                →Garage Door Replacement – 88.4%
                                           →Siding Replacement Vinyl – 80.7%
                                                        →Deck Addition Wood – 80.5%

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