February 3 Real Estate Weekly

News Press Stillwater

REALESTATE W E E K LY Your best source for weekly real estate news and listings for Stillwater and surrounding communities

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February 3, 2022

3.56% Mortgage rates are on the rise in the new year, just like economists predicted.

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Stillwater NewsPress • Thursday, February 3, 2022

Federal reserve expected to begin series of rate hikes Regulators say increasing a key lending rate would help keep a lid on inflation.

DEAR DAVE: I have recently seen several reports that the Federal Reserve Board may start raising interest rates to fight inflation. Do you think this will really happen? And why would raising rates curb inflation when it would seem like it would only make things worse?

ANSWER: It’s not a matter of whether the rate-setting Fed will raise rates, but when, by how much and how often.

The Fed’s chief weapon to combat inflation is to raise its so-called federal funds rate, which is the rate at which commercial banks borrow and lend their excess reserves to each other overnight.

The rate was slashed to near-zero about two years ago to keep the economy afloat as the pandemic took hold, and mortgage rates subsequently fell to historic lows.

Now, though, inflation has been rising as the economy gains traction. The consumer price index was up 7% in December from a year earlier, to its highest level in 40 years.

By raising interest rates, the Fed can slow borrowing and economic expansion to keep inflation from soaring out of control.

Fed officials signaled in late January that they’re willing to raise rates starting

in March, likely by one-quarter of 1%. If mortgage rates soon followed suit, the increase would add about $28 a month to the cost of a 30-year, $200,000 fixed-rate loan.

Most economists say that at least two or three more quarter-point increases will be coming later this year.

••• REAL ESTATE TRIVIA: The prospect of higher rates could start the peak spring home-buying season a bit earlier than usual, some real estate analysts say, as buyers rush into the market to beat the expected rate hikes.

••• DEAR DAVE: I already own my own home, but now I would like to begin investing in rental real estate. I can’t afford to buy an existing rental property, so I am thinking about buying a small piece of less-expensive raw land. Would it be a good investment?

ANSWER: I get asked that question often, usually from first-time investors like you. And my response is almost always the same: With rare exception, undeveloped land is almost always a poor investment choice.

For starters, raw land doesn’t generate any rental income to help offset a buyer’s mortgage payments, property-tax bills and related carrying costs.

Your letter states

ABOUT REAL ESTATE DAVID MYERS that you “can’t afford to buy an existing rental property,” so you can imagine the pickle that you would find yourself in if the monthly bills start piling up but you didn’t have the money to pay them.

In addition, raw land cannot be “depreciated” – an important tax benefit that only investors can use if their property provides at least a modicum amount of rental income.

Buying raw land is also a risky proposition, because the resale market for such properties is typically thin. You won’t make much money but could lose a lot of it if sellers outnumber buyers when you

eventually put the property back up for sale.

You should probably postpone your real-estate investment plans until you have saved enough to make a down-payment on a rental house, duplex or small apartment building that will generate some monthly cash flow rather than buying an undeveloped parcel that will likely leave your bank account more barren than the raw land itself.

••• DEAR DAVE: A young couple made a full-price offer on our home about three weeks ago, with a contingency that

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they could get a 30year, fixed-rate loan for 3.3% or less. We accepted their offer, but now they say that the recent rise in rates has made them unable to get the loan and that they want their $11,000 deposit back. Our real estate agent says that there are still lots of banks willing to make loans at a 3.3% interest rate, and he says that we should not return the deposit or (as an alternative) consider filing a breach-of-contract lawsuit against the buyers. What do you think we should do?

ANSWER: I would return the couple’s deposit and simply put your house back up for sale.

Your sales agent was correct when he told you that many lenders are still offering 30-year mortgage rates that are below 3.3%. But your agent doesn’t know everything that the buyers’ prospective lender does: A recent loss of a job, unexpected medical bills or other factors that can scuttle buyers’ plans and prevent them from getting a mortgage that they thought that they could just a month or so ago.

The contingency that they included in the original purchase offer will probably let them cancel the sale and require that you return their deposit.

Sure, you might be able to successfully

sue the buyers for breach-of-contract and force them to complete the purchase.

But in reality, the money that you would spend on a lawyer and the time it would take to have a judge finally render a verdict probably wouldn’t justify your efforts.

Considering the fact that there’s no guarantee that you’d win the suit, your best move now would likely be to return the reluctant buyers’ deposit and then place your home back up for sale.

Your letter states that the buyers offered full price for your home, so that might be a sign that you would get even more if the local housing market stays strong.

Monthly gardening series kicking off soon employer, complies sex, color, nationSeed Saving the Payne County with all applicable al origin, marital If you’ve attendExtension office federal and state status, sexual oriened these programs at 405-747-8320. laws regarding tation, gender idenin the past, you’ll Should we need to non-discrimination tity/expression, disnote a significant cancel due to anability, or veteran change. Only one other COVID spike, and affirmative action. Oklahoma status with regard topic will be covered we’ll do our best to State University is to employment, edeach month. This alert you via email committed to a poli- ucational programs will allow for more or through our cy of equal opportu- and activities, and/ in-depth coverage of social media chanKEITH REED nity for all individ- or admissions. For the subjects as well nels. uals and does not more information, as allowing more Oklahoma State questions related contact the Hortidiscriminate based visit http://eeo.oktime for Q and A. University, as an to the program, culture Educator in equal opportunity on race, religion, state.edu The program will begin promptly at 6 p.m. and wrap up shortly after 7.

Meetings this year will be held on OSU Campus at the Greenhouse Learning Facility. This new state-of the-art teaching facility is being made available to us thanks to the Horticulture and Landscape Ar3723 N Washington -33 3/2 sq ftsqUPDATED - $154,000 - Amy N NE Dryden -- 4/2/1621 Move Ready $157,000 Tiffany 502 N.701 Burdick - 3 2 Cir 1623 ft Close toft Sho inInMove & Schools - 225 000 - Donna 9366 HWY 3s1300 bed, 3 bath on .75-acre m/lIn- -Ready $275,000 -- Ann chitecture Depart2023 E. Linda Ave - Large corner sq ft-$248,000 50202206 W 10th -Benjamin 4 bdrm., Stillwater Country Club, large lot- $170,000 - 1900 $360,000 - Tiffany 1800 N23rd Stwith - 3 outbuilding.

Bed 1sq.

Bath 1121 sqft -Over $139,000 - Melissa W Ave. -lot 3/2/2, 1496 ft.3BR/2.5BA Selling As-Is Lori K. – Tiffany ment. The physical 814 S. Rock Hollow Ct. - SWDr. area4 /Bed, over 3.5 1990Bath, sq ft/SCC Golf access $274,000 S Brenna 2,891 sq. Cart ft. -Ready $490,000 - Ann –- Tiffany 3723 10217 N Washington - 3/2 -1300 sq ft UPDATED Move In - $154,000 Amy address is 318 N. 2320 Timbercrest Dr. Bed, 3 Bath, 1600 ft. OSU New -$100,000 $209,000 Donna 9715 E. Horizon Dr.bdrm./3 - 50- x360 livestock barn on 5sq. acres with Construction no restrictions – -Lori K- PENDING 1919 Brooke Hollow Ct. - 4 bath/Large Lot/North of Campus!

- $343,000 - Tiffany any 322 E Kenworthy - 03/1/1178 sq. ft., Detached Garage, Storage Shed, 4 Lots $148,000 - Lori K. NEW PRICE W. 19thRd. Ave- -Prime 7.48- acres inside Stillwater city10-acres limits $350,000 – Lori K - Lori Lincoln Street, 6000 3716 N Pennsylvania Ave. #43 2Commercial bdrm./2.5 Bath Condo, Oklahoma - $129,000 - Tiffany S. Perkins Property, m/l -City $1,800,000 K. 2206Creek W- 23rd Ave. 3/2/2, 1496 sq. ft.lot As-Is -Barn $170,000 K. 801 S. Burdick 3BR/1.5BA, 1.5 story on 1371 sq ft a $89,000 Lori-CLori PENDING! 1408 N. M5215 Spring Cir. E - -2/1 1253 sq.large ft. on 3Selling Lots with -–$299,900 - Lori K.00 – Lori 4517 adjacent to the Stu5607.1 S Mehan - 41.5-acres, 68th & Mehan, Schools NEW PRICE $249,000 Broker Associate 1115W S.Just Richfield Ct. - 3BD/2BA 1775 sq ft $305,000 2320 Timbercrest Dr. - 3North Bed,Club 3ofBath, 1600 sq. ft.Ripley New - $209,000 - Donna - Tiffany 4713 Country - NICE Lot for sale -Construction $25,000–--Tiffany Donna 20 onna J Lori 10 Lori dent Health Center.

405-612-6724 2923 N. Monroe 3BD/2BA 2321 sq ft $208,000 – Tiffany PENDING! Shumard Oaks 5 Nice Lots for you to build your new home $27,000 Donna Haydans - New Construction, 4/2, 2075 sq. ft.m/l - $338,500 Lori-nK. 37166023 S. Perkins Rd.Brk. - Prime Commercial Property, 10-acres - $1,800,000 Lori K. Plenty of parking 7917 Pickles GapLarge - Nicelots large in Perkins School District $22,500 Lori Scotthaven Addition - Nice in lot Perkins School District/starting at -–$45,500 - Donna 5607.1 S Mehan Just NorthRadiant of 68th Luxury, & Mehan, Ripley - NEW PRICE $249,000 - Tiffany 5504 W Creekside Dr.- -41.5-acres, GATEDMeadow COMMUNITY, 5/4.5, 5823 Schools sq. ft. - sq NEW PRICE $1,580,000 - Dolores/Tiffany 6021 Hallies NEW CONSTRUCTION 4BD/2BA 2347 ft $379,900 – Lori 5607 S Mehan Rd. - 52.5-acres for Sale, Will Divide, Ripley Schools - $349,000 - Tiffany is available. Prey5,900 1408 N. Mai – Lori PEND iffany 6023 Haydans Brk. New Construction, 4/2, 2075 sq. ft. $338,500 Lori K. 5005 N Perkins Rd 4000 sq ft warehouse Oh the possibilities $399,900 – Donna 9001 Cedar Crest Trail - 4 bdrm./3 bath/5-acres/Pool/Summer Kitchen plus more!!

- NEW PRICE $995,000 00 E 810 Rd., Tryon - 53.34-acres.

Hunting/Building/The possibilities areC11 endless - $224,028 - Kyle - Tiffany registration is not 5706 W. Garden Pointe Dr.Lots - Radiant Gated 3BD/3BA, 2754 sq ft $550,000 – Ann 5504 W Creekside Dr.12th - GATED COMMUNITY, Luxury, 5/4.5, 5823 sq. ft. - NEW PRICE $1,580,000 1218 W - 4 Commercial in aCommunity very High Traffic area/starting at $255,000 - Ann - Dolores/Tiffany 18575 Deer Pointe - 3/2/2 on 2.5-acres, 1917 sq. ft. - NEW PRICE $265,000 - Kyle required.

3618 W. Fountain View Rd. Ct. --5BD/2.5BA, in ground pool - Woodland TrailsC11 $362,900 – Tiffany 3000 S. 4 bed, 4.5 bath, on 3.2-acres -plus $845,000 -addn Tiffany/Dolores $820,000 9001 Cedar Crest Trail - 4Range bdrm./3 bath/5-acres/Pool/Summer Kitchen more!!

- NEW PRICE $995,000 - Tiffany 208 N. Duck Donaldson - 4BR/2BA 1851 Building sq ft - close to shopping &Stillwater schools $205,000 – Donna 301 S. St. - Beautiful Office inBuilding the heart - $900,000 - LoriaK. On rare occa3215 S. Boomer Rd. - Nice for-of sale $2,245,000 - Tiffany 719 Kar 0 - Tiffany 18575 Deer Pointe - 3/2/2 onCommercial 2.5-acres, 1917 sq. ft.

NEW- PRICE $268,000 - Kyle 910Main Kansas / Pawnee - 1936 farmhouse / 1 acre lot with outbuildings $129,999– Tiffany E. St., St. Coyle - 64 Unit Storage GREAT - $165,000 - Donna sions, we must 120211 W Tyler - CALLING ALL INVESTORS, 2 Building, Units,in 12the Apts., 2INVESTMENT bed, 1 bath -- $950,000 Dolores/Tiffany 301S.S. Duck St. - Beautiful Office Building Stillwater LoriK. K. ri---Lori 11 415 W. 80th - 52.65 OK, acresCute rural property, noheart restrictions $300,000 – Lori riffan 505 Morton Ave. - Ripley, home across fromofthe School - $900,000 $75,000 postpone because W Charleston Ct. -bath/Study/Game New Construction in Berry Creek, 4tobed, 2.5 bath - $397,900 - Donna 120 W - CALLING ALL INVESTORS, 2 Units, 12 Apts., 2 bed, 1 bath -$395,000 $950,000 - Dolores/Tiffany 617 S. Main - Downtown Stillwater commercial unit plus apartment unit – Tiffany 2923 N.Tyler Monroe - 3 bdrm./2 Room.

One block Boomer Lake - $219,000 - Tiffany 293337 Tiffany 830456 3354 / 1Carney -3BR/2BA ft to -with out – Lori $250,000 of inclement weath000 N Glenwood 9-Rd lots platted for duplexes Boomer Lake - $420,000 - Tiffany 3337 WCreek Charleston New Construction Berry Creek, 4building bath -PRICE $397,900 - ,Donna 7195215 Karen 0 -- Tiffany Spring Cir.S.ECt. -Ct. 2- bed, bath, 1253 sq.inft.1468 onclose 3sq lots abed, barn2.5 -$199,900 NEW Lori K. 111 E. Tower / Perry - 3BD/1BA 1118School sq ft $79,800 – Tiffany 7917 Cir. Pickles - 1Nice large lotsq. in Perkins District -- $22,500 - Lori$250,000 1408Spring N. ,900 -- Lori er. If the weather 5215 Creek E Lake - 2Gap bed, bath, 1253 ft. the on 3North lots with a-barn NEW PRICE Lori K. Roka Hidden 14 Beautiful Lots on Side $52,500-$79,000 Lori K. N. Burdick - 3BR/2BA sq ft Close to shopping & schools $209,000 – Donna- Lori 6021502 Hallies Meadow - NEW 1623 CONSTRUCTION 4BR/2BA, 2,347 sq. ft. - $379,900 looks threatening, Roka Hidden Lake- -214 Beautifulproperties, Lots on the North Side - $52,500-$79,000 - Lori K. iffany 29232113 920, 1/2 S. Duck Investment homes, bedrooms $160,000 – Amy 5005 NCrescent Perkins Rd.-.-4/2.5/2, 4,000 sq. ft. warehouse -2 Oh, the 5possibilities - PRICE $399,900 - Donna $335,000 - Ann N.920 Dr. 2439 sq. ft. GREAT LOCATION - NEWtotal or if you have other 2113 Dr. 4/2.5/2, 2439 sq. ft. and GREAT PRICE $345,000 101Pointe W. 80th building shopLOCATION on2,754 11.5 acres $4,000,000 – Lori $495,000 57061408 W. Garden Dr.- -Commercial Gated Community 3BR/3BA, sq.-ft.NEW - NEW PRICE $510,000 - Ann N.N.MCrescent 35,900- -Ann Lori

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9366 NE Hwy. 33 - 3 bed, 3 -bath, on .75-acre m/l - NEW PRICE $249,000 - ,500 Ann - Tiffany 354 Cou 5011 W. 10 acres of Stillwater $300,000 – Lori 9366 NE /Hwy. 33 Lakeview - -31936 bed, farmhouse 3 bath, on .75-acre m/lwith - NEW PRICE $249,000 - Ann 910S.Kansas St. Pawnee / NW 1-acre lot outbuildings - $129,999 - Tiffany 4517 0 - Lori 522 E. 12th Commercial building in downtown Stillwater $250,000 – Lori 415 W. Ave. 80th #43 -W52.65-acres ruralBath restrictions - $250,000 - Lori $112,000 4713 Country Club - property, NICE Lot no forOklahoma sale - $25,000 -NEW Donna 354 - ffany Tiffany 6000 N Pennsylvania 2 bdrm./2.5 Condo, City PRICE - Tiffany PENDING ,900 - Tiffany 354- 6172620 S. Black Oak Dr. -Stillwater 4BD/3BA,commercial 4813 sq ft Georgian & style – Donna S. Main - Downtown unit pluselegance apartment unit$950,000 - $395,000 - Tiffany 4713St. W- -Nice Country - shelter, NICE Lot for saleDistrict/starting - $25,000–-Tiffany Donna Addition largeClub lots in Perkins School at $45,500 - Donna 1304354 & 1Scotthaven 45,000 - Lori iffany 1012 N. Manning 3BR/2BA storm outbuilding $195,000 PENDING! 111 E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany - PENDING PENDING - S. 3000 ,000 -Tiffany Shumard Oaks -W. Just 51 &4.5 Country Club left --$25,000-$27,000 2218 3rdSouth - Close to campus 3BR/2BA 2208 4sqlots $239,000 Tiffany S. Rd. -properties, 4ofbed, bath, on 3.2-acres - ft$820,000 -–Tiffany/Dolores 920, Duck - 2Range Investment 2 homes, 5 Only bedrooms total NEW PRICE- $152,500 - Amy - - - Donna 1304 & 920½ - Lori

1408 N. Main / Perkins4BD/3BA 2098 sq ftinNEW CONSTRUCTION on $4,000,000 golf course $325,000 – Lori Scotthaven Addition - Nice large lots Perkins School District/starting at $45,500 101 W. - Commercial building and shop on 11.5-acres Lori - Donna 3215 S.80th Boomer Rd. - Nice Commercial Building for sale -- $2,245,000 --Tiffany 4517S. Jenna Ln. - 3BD/2BA 1756 sq ftNW NEW CONSTRUCTION $266,900 5011 W. Lakeview - 10-acres Stillwater- $820,000 - $300,000 - Lori – Lori Tiffany 3000 Range Rd. - 4 bed, 4.5 bath, on of 3.2-acres - Tiffany/Dolores 354 115 E.12th 80th - 14.5 acresOK, m/l Cute Just North ofacross 68th & from Mehan - $121,075 Tiffany 354 505 S.3 S.522 -Kyle Tiffany Morton Ave. - Ripley, home the School - -$69,900 - Lori K. - Commercial in downtown $250,000 - -Lori 3215 E. Boomer Rd. - Nicebuilding Commercial BuildingStillwater for sale - -$2,245,000 Tiffany E 80th - Nice4,813 large office 3 acres m/l $950,000 – Lori- $950,000 354 S306 Cou , -700 Tiffany . .S. Kyle 2620 S. Black Oak203 Dr. - -4BR/3BA, sq. ft.on Georgian elegance & Lake style -- -Lori Donna 270 000 N Glenwood Ct. 9 lots platted for duplexes close to Boomer $420,000 Tiffany 2707 7 - Lori 505 S. Morton- Ave. - Ripley, OK,sq.

Cute home across the School - course $69,900 - Lori E 2nd - 4BD/2BA 1717 sq ft Split floor from plan $175,000 – Ann PENDING & 1306 24 ft. - K. $135,000 - Lori 14081304 N. Main /Perkins 4BR/3BA, 2,098 ft. NEW CONSTRUCTION on golf $325,000 $315,000 - Lori K. 2707 W.S4 3202 317-sq.

- Lori Lori 101Ln. W. -80th - Commercial building and shop onsq 11.5-acres -Lake $4,000,000 Lori 6038 Haydans Brook - NEW 4BR/2.5BA 2183 $349,000 – Lori- $420,000 000 N Glenwood Ct. - 9 lots platted duplexes close toftBoomer - Tiffany 4517 Jenna 3BR/2BA, 1,756 sq. ft.for CONSTRUCTION - $266,900 - Lori PENDING 202 5 -- -Donna 2112 N.80th Monroe - 2 Commercial buildings on 3restrictions $600,000 – Dolores E.E.W. 80th - -14.5-acres m/l ofof68th Mehan - -$121,075 - -Tiffany Lori K.K. 6115 415 - 52.65-acres rural property, no& -$121,075 $250,000 - Lori 115 80th 14.5-acres m/ljust justnorth north 68th &acres Mehan Lori 354 S. Council Rd. - Land forlarge sale office in Crescent, OK - No restrictions 33.5 acres m/l $167,000 – Tiffany 203 E. 80th Nice on 3-acres m/l NEW PRICE $1,200,000 - -Lori 101 W. 80th -- Nice Commercial building and shop on 11.5-acres - $4,000,000 Lori 203 E. 80th large office on 3-acres m/l NEW PRICE $1,200,000 . S. as- 801 -Ann or Lori S. Burdick - 3BR/2.5BA ft $87,000 – Tiffany 3202 0000 E. 2nd 4BR/2BA, 1,717 sq. ft. Split1371 floorsq plan - $170,000 - Ann ---PENDING -K. 115 E. 80th 14.5-acres m/l just north of 68th & Mehan $121,075 Lori 44th - Aloysius 15.86 acres look for signs west $317,000 ffany 6038 Brook -divide, 4BR/2.5BA, sq. ft.of- Western $349,000 - Lori, – Lori any 4810Haydans Dr- -will 3/2.5/3 2180 sq2,183 ft - $349,000 - Lori C/Jennifer 474 2707 .203WE. - Nice office onacres 3-acres m/l -3-acres NEW $1,200,000 - Lori Cedar Oaks &Commercial 19th - 7.48 m/l in city limits PRICE $350,000 – Lori 2112 N.80th Monroe - 2large buildings on - $600,000 - Dolores N. Possibilities! $2,352,900 Lori 601 fany 0 W 19th Ave 7.48 acres m/l just east of Cedal Oaks Apts. $350,000 Lori K. N. - 15.86-acres Lori- PENDING 0000 Country Club Rd. - 20for Acres onwest -- $200,000 - Ann- Lori 2707 W 44th - will divide, look signs of Road Western - $317,000 C/Jennifer 4810S.Aloysius Dr - 3/2.5/3 2180 sq ftPaved - $349,000 Lori Lori Crosby Donna Rhinehart 4717 S. Turtle Pond Ct.& - Great m/l Lot 2/6/2022, for in your - $45,000 Montie Stewart Monty Stewart OPEN HOUSE Cedar Oaks 19th -.-acre 7.48-acres citybuilding limits -pleasure $350,000 - Lori - Tiffany OPEN HOUSE, m/l SUNDAY 1-2 1-2:30 P.M. Realtor Associate 3000 Range Rd m/l $845,000 1-3Possibilities!

Dolores Lemon Realtor Realtor Associate N. Washington Rd. - 151.8 acres m/l, - $2,352,900 - Lori- -Lori 4717 S. Turtle Pond Ct. - Great .-acre lotOH for the your building pleasure - $45,000 Tiffany PEN q. ft. $349,000 405-612-4184 2113 N Crescent Drthe - Ann -Morgan 3723 N Washington -OH $154,000 Amy Parsons 405-747-7306 405-372-5151 ngtonRd. Rd. 151.8 acres m/I, OH N. Washington -- 151.8-acres m/l, the Possibilities!

Possibilities!- -$2,352,900 $2,352,900- -Lori Lori

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HOME GROWN

Stillwater NewsPress • Thursday, February 3, 2022

The Payne County Master Gardeners are pleased to announce the 2022 program lineup for the popular Tuesday Gardening Series.

This free monthly program covers a wide ranging of gardening (or gardening related) topics presented in a casual setting where attendees often have a chance to interact with the presenters as well as other guests in attendance.

The presentation line-up for 2022 is as follows: • February 8 Straw Bale Gardening • March 8 Pollinators • April 12 Water Gardens • May 10 Composting • June 14 Backyard Birding • July 12 Tree/Shrub Selection and Pruning and Tomato Testing • August 9 Ugly Fence Solutions • September 13 Rain Barrels • October 11

Down Payment Resource releases Homeownership Program Index

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Stillwater NewsPress • Thursday, February 3, 2022

Down Payment Resource, the nationwide database for U.S. homebuyer assistance programs, today announced the release of its latest Homeownership Program Index.

The firm’s analysis of 2,192 homebuyer assistance programs in its DOWN PAYMENT RESOURCE® database showed measurable quarter-over-quarter gains in program funding levels and an increased prevalence of programs aimed at assisting community heroes.

officers, firefighters, healthcare workers and other providers of critical community services. Another 11% of programs offer benefits for veterans, members of the military and surviving spouses. * Three out of four programs (73%) focus on helping homebuyers with down payments and/or closing costs. This figure includes repayable, partially forgivable and fully forgivable programs. Other major categories of assistance include affordable first mortgage programs Key Findings (11%), Mortgage The Q4 2021 HPI Credit Certificates examined a total of (5%), matched sav2,192 homebuyer ings programs and assistance proHousing Choice grams that were Vouchers. active as of January * Assistance is 6, 2022. Key findavailable for repeat ings are as follows. homebuyers and * Funding levels landlords. Approxiare on the rise. 84% mately 38% of proof programs had grams do not have funds available for a first-time homeeligible homebuybuyer requirement. ers. That level of In addition, 27% funding reflects a of programs allow nearly 2% increase buyers to purchase from Q3 2021. a multi-family prop* More programs erty as long as the now target commu- buyer occupies one nity heroes. Nearly of the units.

9% of all homebuy* Availability er assistance provaries by location. grams available in Three out of four Q4 benefit teachers, (74%) programs first responders, are targeted to law enforcement properties in spe-

cific locales such as cities, counties or neighborhoods, with the balance of programs available statewide through state housing finance agencies.

The states with the most homebuyer assistance programs are California, Florida and Texas. * Support for manufactured housing is increasing. While homebuyer assistance programs have historically favored site-built homes, as of Q4, 28% of programs allow manufactured housing as an eligible property type, up nearly 2% from the previous quarter.

“First responders, military, educators and other community service roles have been front and center for their extraordinary pandemic contributions,” said DPR CEO Rob Chrane. “Many locales – especially in higher-cost markets – are determined to find creative ways to recruit and retain these workers, including by helping them make homeownership more affordable.”

Further analysis of the Q4 HPI findings, including infographics and

examples of many of the programs described in this release, can be found on DPR’s website at https://downpaymentresource.com/ professional-resource/homeownership-program-index-highlights-programs-for-community-heroes/.

For a complete, state-by-state list of homebuyer assistance programs, visit https://downpaymentresource. com/wp-content/uploads/2022/01/HPIstate-by-state-data.

Q42021.pdf.

Methodology Published quarterly, DPR’s HPI surveys the funding status, eligibility rules and benefits of U.S. homebuyer assistance programs administered by state and local housing finance agencies, municipalities, nonprofits and other housing organizations. DPR communicates with over 1,200 program administrators throughout the year to track and update the country’s wide range of homeownership programs, including down payment and closing cost programs, Mortgage Credit Certificates and affordable first

mortgages, in the DOWN PAYMENT RESOURCE® database.

programs through partnerships with state and local program providers. DPR has been recognized

by Inman News as About Down Paya “Most Innovative ment Resource: Down Payment Re- New Technology” and named to Housingsource (DPR) creates opportunity for home- Wire’s Tech100™ list buyers, REALTORS® of the most innovative companies serving and lenders by unthe mortgage and covering programs real estate industries. that get people into homes. The company DPR is licensed to multiple listing sertracks funding stavices, REALTOR® tus, eligibility rules, associations, lenders benefits and more and housing counselfor more than 2,000 homebuyer assistance ors across the United

States and offers a subscription service, Down Payment Connect, to help agents and loan officers match buyers to available programs.

For more information, visit https:// www.downpaymentresource.com.

To view the original version, visit: https:// www.send2press. com/wire/down-payment-resource-releases-q4-2021-homeownership-program-index/ – Send2Press

LAND professionally connecting Buyers & Sellers

Montie Stewart

mstewart@stw-realestatepros.com 405.747.7306

REAL ESTATE Dolores Lemon & Associates

PROFESSIONALS

723 S. Main St. • Stillwater, Oklahoma 74074 • 405.372.5151

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name mix-ups. Also make sure account numbers and activity are what you expect. You can dispute errors, and the change in score after a successful dispute could be significant.

at least five ways to get on the credit radar or to rehabilitate a damaged score.

as part of its decithe issuing bank. sion making and Your credit limit may also consider is typically equal other factors, such to your deposit. as banking activity, As with any other customer history credit card, it’s best AUTHORIZED and cell phone pay- to keep your credUSER: If you have ments. it utilization well a friend or relative Store credit cards under 30%. with a long credit tend to carry high history, a high score interest rates, so CREDand relatively high try to pay in full IT-BUILDER credit limits, ask if every month or fin- LOANS: These they are willing to ish a 0% promotion turn traditional add you as an auplan well before it loans upside down. thorized user. Auends.

Instead of getting thorized user status a lump sum at the allows additional SECURED beginning and then good data to your CREDIT CARDS: paying it back, you credit history, such As their name immake payments and as on-time payplies, secured credit get the lump sum ments, credit age cards are secured at the end of the and low credit utili- by a deposit with loan term. zation. Authorized user status is most powerful for people who have no credit report or a thin 405.624.2626 file. Its impact can www.c21global.com be felt as soon as 131 N. MaiN, Stillwater it’s reported to the credit bureaus.

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STORE CREDIT CARD: Retail credit cards typically have more flexibility in approving applications, says Max Axler, deputy chief credit officer of Synchrony, a consumer finance company that issues credit cards across a variety of industries. He says Synchrony uses VantageScore 4.0

CO-SIGNED CREDIT: Some lenders will approve you for a loan if someone with stronger credit co-signs the loan. It can help credit even if the primary borrower was never expected to pay (as with parents buying their child a car). However, both signers are fully on the hook for the loan, and the loan could limit the co-signer’s borrowing power. If the primary borrower doesn’t pay or pays late, the co-signer’s credit is on the line.

Stillwater NewsPress • Thursday, February 3, 2022

influences credit scores, says credit expert John UlzheiCredit scoring mer. The “snowball can feel like a frusmethod” of debt trating game – falls repayment focuses can be sudden and on wiping out your swift, and climbing smallest balances is a slow slog. first.

In reality, “all Relatedly, if you scoring models and have only one credit lenders are aimAVOID COSTLY card, Ulzheimer ing to do the same MISSTEPS says adding a card thing, which is to Next, avoid doing or two could be minimize risk and things that work useful. Assuming things like missing against building your spending stays payments, high your credit. These about the same, balances,” says Jeff include: the credit limits on Richardson, senior — Paying late — the new cards will vice president of the impact is large reduce your overall marketing and and lasting. credit utilization. communications for — Closing credit And if your card is VantageScore, one cards — it can relost or stolen, you of the two leading duce your overall still have access to credit scoring comcredit limit and the credit. panies. length of your credYou can move The traditional it history. credit card debt to advice of paying on — Applying for a a personal loan or time and keeping lot of credit at once even a 401(k) loan, balances low will — credit checks can essentially making eventually result in nick your score. it disappear from decent credit.

— Letting card credit utilization But you can speed balances stay above calculations. But it up.

30% of the limit — if you have not adcredit utilization, dressed the circumCHECK YOUR or the portion of stances that led to CREDIT your limit you have the high balances, To start, take in use, has a major a new loan could be a look at your impact on scores. a step deeper into credit reports by While paying debt. using Annualdown balances is a CreditReport.com. good idea, it’s not ADD POSITIVE Check to see that always realistic.

INFORMATION the information is Credit slip-ups accurate, especially BE STRATEGIC can hurt, but for addresses you If you’re whittling adding positive indon’t recognize, down credit card formation to your since that can sugbalances, be strate- credit reports can gest fraudulent gic. The number of help counteract the accounts or samecards with balances damage. There are

By Bev O’Shea

How Brad Pitt’s green housing dream for Katrina survivors turned into a nightmare As an urban geographer who researches on housing development, I’ve been following Make Brad Pitt’sMake It Right’s travails It Right Foundation since 2018, when resbuilt 109 eye-catchidents tried to get the ing and affordable New Orleans City homes in New Orleans for a community Council involved and have municipal auwhere many people thorities inspect the were displaced by homes. The situation damage wrought by has only deteriorated Hurricane Katrina since then, highin 2005. Now this housing development lighting the perils that can accompany is in disarray. The nonprofit housing vast majority of the recently constructed development.

Supposedly sushomes are riddled with construction-re- tainable housing Located in New lated problems that have led to mold, ter- Orleans’ historically Black and low-inmites, rotting wood, come Lower Ninth flooding and other Ward, this cluster woes. of affordable homes At least six are built between 2008 boarded up and and 2015 was unabandoned. Many residents have filed- usual for several realawsuits that are still sons. Notably, these residences were sold, pending. That is, a rather than rented to nonprofit that built their occupants. houses with input The architects who from Frank Gehry and other prominent created these homes architects amidmuch also tried to make fanfare for survivors them green and sustainable following of one disaster then a “cradle-to-cradle” ushered in another philosophy that cendisaster. ters around the use Structural and of safe and reusable other problems are materials, clean making many resiwater and renewdents fear for their able energy. All the health. Make It homes had solar Right, despite what panels and energy-efits name might suggest, has not resolved ficient heating and these issues and has cooling systems.

Make It Right stopped assisting resreported spending idents. Instead, the $26.8 million on the movie star-led nonprofit has apparently housing. To make the homes, which fell become defunct.

By Judith Keller

C6

Stillwater NewsPress • Thursday, February 3, 2022

University of Illinois at UrbanaChampaign via The Conversation

ANALYSIS

rainfall.

Brad Pitt, who took credit for short of the group’s launching this orgaoriginal goal of 150 nization in 2007 and residences, affordoften served as its able, they were sold public face in subfor less than it cost to build them, mostly sequent years, was still listed as a board around $150,000. member as of 2018.

The nonprofit Pitt’s lawyers arhousing developer says its mission is to gued that he could not be sued over “improve the design the housing develand performance of opment’s failings, affordable housing” but a judge ruled in and to “share best 2019 that the movie practices associated with the construction star would remain a defendant because of of such homes.”

Make It Right also his role as Make It Right’s founder and sought to revitalize chief fundraiser. the Lower Ninth ‘Completely in Ward and bring shambles’ people together. For I interviewed 11 example, it built a residents, as well community garden as seven urban and held regular meetings for the new planning experts who worked on the homeowners. case. Additionally, I Although some gathered data on the of these structures development and the are not yet a decade homes by reviewing old, my data shows that only six remain New Orleans property assessments and in reasonably good building permits. shape. Most either While staying in the have had partial repairs or have been Lower Ninth Ward completely renovated myself, I personally because of structural took a census of the development and problems. Two were mapped its current demolished because state. of severe mold probMore than one lems.

Many of the hous- resident told me they were initially very es lacked ordinary, excited to be part of essential features such as rain gutters, something bigger.

A Make It Right overhangs, waterproof painting or cov- resident I’m calling Harry – I promised ered beams – all of which are necessary anonymity to all the residents I into withstand New terviewed – had to Orleans’ subtropical move out of his home climate and heavy

during major renovations that didn’t resolve all the issues he faces.

“They kind of got a second chance to make it wrong, not make it right again,” Harry told me.

“They made it wrong twice.”

As of early 2022, six homes are vacant because of mold, rot, flooding and assorted structural issues.

Hanna, a young firsttime homeowner, walked away from her Make It Right residence, which was later demolished.

Only eight months after she moved in, Hanna recounted to me, her home “was completely in shambles.” Its flat roof could not hold up in the heavy rains of

New Orleans, causing massive water intrusion and subsequent termite infestation and mold.

Hanna struggles with health problems caused by toxic mold.

“I would like to say that there is always a silver lining, but with this situation, I really don’t see a silver lining because it really changed a lot of my plans that I had for myself in life,” she said.

Most of the residents I interviewed were dealing with a similar state of constant uncertainty.

They don’t know how much longer their home is going to hold up, whether the mold they were exposed to is affecting their health,

and, worst, what would happen to their finances if they were to lose their home.

“There is just no turning this off,” Harry lamented.

“Sometimes I think I’m sitting on a time bomb in this house.”

Others described always being “on edge,” the situation being “very stressful,” and a feeling of having been “taken advantage of on the biggest scale.”

They wonder who they can turn to for help at this point.

“Something that’s been an incredible disappointment is the lack, the retreat, of Make It Right from any form of responsibility,” William told me.

INVESTMENT PROPERTY 1423 S HUSBAND PLACE • $55,000

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Located at the end of the street with a green space view. Stillwater Schools.

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stwnewspress.com

C7

News Press Stillwater

Stillwater NewsPress • Thursday, February 3, 2022

Find your next home with ease in Real Estate Weekly in print every Thursday, or online at

Yost Rd.

Yost Rd.

To Cimarron Turnpike

Topaz Ave.

Amethyst Ave.

Duncan

Nancy Lee Dr.

Evergreen

Dr.

Jardot Rd. Marine Rd. Burdick St. Manning St. Briarwood St.

t.

Lew is S

Payne St.

16th Av.

Lowry St.

Lowry St. 37th Av.

36th Av.

37th Av.

Cottontail Ln.

Jardot Rd. 44th Av.

Hunters Cr.

Dr. Deerfield

Wild

Turkey Pass

Vista Ct. Vista Ln.

177

Katy

Hightower St.

S. Westchester St.

Henderson St.

Mockingbird Ln. Collins Ct. Colby Lance

Villa Dr.

Drury Ln.

4th Av.

Eastgate St.

Crestwood Cr.

H

Raintree Av.

3rd Av. 4th Av.

Peach Tree Av. Stonegate Av.

19th Av.

35th Av.

Perkins Rd.

Husband St.

Washington St.

Western Rd.

Sangre Rd.

Timberline Dr.

Av.

51

Lydia Ln.

32nd Av.

44th Av.

3rd Av.

5th Av.

17th Av.

34th Av.

Fern St.

Main St.

Pioneer St.

35th Av.

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Jardot Rd.

Ransom Dr.

Dr.

Main St.

Husband St.

Knoblock St.

Cambridge Dr.

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29th Av.

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Oakwood Dr.

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Payne St.

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Denver St. St.

Jardot Rd.

Payne St.

4th Av.

25th Av.

Mar Vista St. 28th Av.

Timbercrest Cr.

4th Av.

24th Av.

26th Av.

Timbercrest Dr.

tO

Wedgewood Dr.

Cottonwood Dr.

Crestwood Dr. Crestwood Ct.

19th Av.

22nd Av.

Denver Ct. Denver St.

Jardot Rd.

Wedgewood Ct. Wedgewood Dr.

Blair St. Payne St.

Eastern Av.

Blair St. Stallard St.

Hall St.

Leigh St.

Burdick St.

James Ct. Springfield St.

Hartford St.

Young St.

Skyline St.

Canyon Rim Dr.

Skyline St.

Matthews Av. Virginia Av.

21st Av.

22nd Av.

Cedar Ct.

Ct. Wedgewood

3rd Av.

Hartford St.

Lowry St.

Chester St.

Fern St.

Lowry St.

Chester St. Fern St.

ott

Aetna St.

Lowry St.

Lewis St. Lewis St.

Skyline Ln.

Grandview St.

Manning St.

Donaldson St.

Stallard St.

Burdick St.

Perkins Rd.

Grandview Ct. Grandview St.

Manning St.

Briarwood Dr. Manning St.

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Star St.

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Masin St.

Husband St.

Main St.

Husband Pl.

17th Av. 18th Av.

Alc

Pennsylvania St.

West St. Duck St. West St.

Duncan St. Duck St.

Duncan St.

West St. West Bl.

15th Av.

Connell Ct. Connell Av.

12th Av.

13th Av. 13th Pl. 14th Av. 16th Av.

Payne St.

Dryden St.

Hartford St.

Benjamin St.

Park Dr.

Park

Pa rk Sta Dr. rD r.

Crescent Dr. Glenwoo d Dr.

Husband St.

Main St.

West St. Duck St.

Duncan St.

Hester St. Knoblock St. Knoblock St.

Hester St. Hester St.

Knoblock St.

Washington St.

Ramsey St.

Walnut St.

12th Av.

Birchwood Ct.

Whitney Ct. McElroy Rd.

er ightow

Park Dr.

Star Dr. Dr. Park Cr.

Keller Dr.

Husband St. r. an dD sb

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Ramsey St.

Washington St. Bellis St.

Monroe St. Jefferson St.

Adams St.

Blakely St. Stanley St.

Gray St.

Pine St.

Orchard St.

McDonald St. Teal St.

Bluestone St.

Willis St.

Silverdale

Ct.

Perkins Rd.

Knoblock St.

Crescent Dr.

Ramsey St.

Ramsey St.

Lincoln St.

n St. Monroe St. Jefferson St.

Lincol

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Clevelan

Hester St.

Ramsey St.

Kings St. Orchard St.

Kerr St.

d St.

McFarland St. .

Kings St

Walnut St.

Willis St.

Western Rd.

t Dr.

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Walnut St. Melrose Dr. Pine St. Redwood St. Gray St. Cleveland St. Stanley St. Garfield St.

Willis St. Willis St.

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Dr.

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Devon St.

Devon St. Wicklow St. August Dr.

Ln.

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Dr . in

11th Av.

Pl.

8th Av.

8th Av.

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d.

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7th

7th Av.

rR

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44th Av.

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24th Av.

mit

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3rd Av.

18

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Maple Av.

Brooke Av.

Sunrise Av.

McElroy Pl.

Maple Av.

19th Av.

22nd Av. 23rd Av.

24th Av.

Connell Av.

Arrington Dr.

Elmwood Cr.

Elm Av.

Krayler Ave.

Will Rogers Dr. Cimarron Pl. Cimarron Dr. Leland Frontier Dr. Linda Av. Willham Dr. Ct. Boyles Ct. Willham Dr. Manning Ct.

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12th Av.

11th Pl.

Arbor Cr.

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Helena Hts.

18th Ct.

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Virginia Av.

Virginia Av.

Lakeview Rd.

Fountain View Ct.

Red Rose Dr.

Aloysius Cr.

7th Av.

Saddl

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Briarcreek Dr.

Doral Ln.

Miller Av.

University Av.

5th Av.

Will Rogers Dr.

Dryden Cr.

Hall of Fame Av. Mathews Av.

Morrill Av.

31st Av.

Woodland Trails Dr.

Pheasant Eagle Creek Ave. Ridge Ave.

22nd Av.

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15th Av.

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Sangre Rd. Murphy St.

Shumard Ct. Oak St. W. Shumard Dr. Williamsfield

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Davinbrook Ln. Fiddlers Hill St. Berkshire Dr. Dublin Dr.

Windsor Dr.

Squires St.

Tanglewood Cr.

Iba Dr.

Oak Trail Dr.

19th Av.

Wentz Ln. University Cr.

Cantwell Av.

Connell Av.

Connell Av.

51

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Krayler Ave. Ridgecrest Av. Brooke Av. Moore Av. Franklin Ln. Knapp St.

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Cantwell Av.

Knoblock St.

Garfield St. Cleveland St.

McFarland St.

McDonald St.

Willis St. Ridge Rd.

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Windsor Dr. 2nd Ct. Kea ts D r.

Oak Ridge Dr. Basin Ridge Dr. e Dr. Ridg lue Charles Dr. Sprin B gdale D r.

Wo odc re 11th Ct. st Dr. Edgemoor Dr.

Greystone St.

Stoneridge Dr.

Westwood Ln.Westwood Dr.

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18th Ct.

4th Av. 5th Av. 5th Av.

Scott Av.

Knotts Av.

Lewis St.

Lincoln St. Ivy Ct.

Liberty Ct.

Lincoln St. Lincoln Brooke Lincoln St. St. Hollow Ct. Monroe St. Monroe Monroe St. St. Jefferson St.

d. sR ces

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Airp ort Ind ustr ial A c

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Charolais Dr.

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3rd Av.

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Shadow Creek Ln.

Scissortail Dr.

Stillwater NewsPress • Thursday, February 3, 2022

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t.

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7th Av. 8th Av. 9th Av.

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Murphy Dr.

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Dr.

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Farm Av. Olive Ln. Drummond Av. Athletic Av. Monticello Dr.

Arrowhead Pl.

Arrowhead Av.

5th Av.

Aggie Dr.

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e

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Admiral Av. Sherwood Av.

4th Av.

Prescot Dr.

w gle Tan

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8th Av.

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9th Av.

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1st Av.

8th Av.

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Harned Av.

Mohawk Av.

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Tyler Av.

Farm Av.

7th Av. 8th Av.

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Walnut St.

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Eastland Dr. Marcus Dr.

Swim Av.

Knapp

Eskridge Av.

8th Ct. 9th Ct. Trenton Av.

Boomer Lake

Osage Dr.

Brooke Moore Franklin

Vena Ln.

4th Av.

Parkway Dr.

oke r.

Brollow D Ho

Hereford Dobi Ln.

Airport Rd.

Newman Av.

Hillcrest Av.

Liberty Rd. Preston Av.

Rutledge Dr.

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Dr.

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d Win

177

Harned Av. Madison Ct.

Thomas Av. Frances Av.

Memory Ln. Country Ln.

Airport Rd.

ore

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Lakeview Rd.

t.

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Tobacco Rd.

te Sta

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Av.

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Ranch Av. Cherokee Av.

Newman Av. Hillcrest Av. Brown Av.

3rd Pl.

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Richmond Rd.

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Stillwater Municipal Airport

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Hartford St. Dryden St. Benjamin St. Burdick St. Burdick St. Berry St. Arrington St. Marshall St. Doty St. Blair St. Grandview St.

Stonecrest Ct.

Hartford

Richmond Hill Rd.

Washington St. Garfield St.

Hunters Ridge

Stonecrest Ave.

Lynn Ln.

North

Benjamin

Husband Pl. Northgate Dr.

St.

Richmond Rd.

Park Pl. Tower Park Dr.

Richmond Hill Ct.

nd Husba

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