HOME & LIFESTYLE GUIDE Issue 23 vol 5
Creative Living Sponsored by
Mortgage CREDIT UNIONÂ®
WHAT GOES INTO YOUR: CREDIT SCORE
ARTFULLY DESIGNED Secluded Ranch on Acreage
See Page 13
REALESTATEBOOK.COM REQUEST FREE MAGAZINES ONLINE, OR CALL 800-841-3401
PRESENTED BY SETH MCCAULEY 971.322.4679 Nick Redinger Team
FOR ADVERTISING INFO CALL JUDY AT 360-518-8383
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AMYSREALESTATE.COM THE ASIVIDO TEAM Ridgefield, WA Custom home on greenbelt! Beautiful entry with wood-floor inlay, room for everyone with three large bedrooms plus a bonus! Backyard oasis with many fruit plantings, raised beds, rockwork, a chicken coop and amazing 2-story playhouse!I HUGE crawlspace walking storage/workshop. Upgrades throughout!
TEXT P 263661 to 85377
Beautiful single level home in the prestigious Fircrest neighborhood on a huge corner lot w/ RV parking! This like new home has been redone from top to bottom. Tons of living space and open concept.
$335,000 TEXT P 585213 to 85377
V a n c o u v e r, W A Wow! Beautifully maintained Lakeshore home set up to entertain! Lovely territorial views with peek-a-boo of Vancouver Lake from the two decks, great setup for separate living quarters/extended family in the lower level. Upgrades throughout! Huge crawlspaces and storage rooms for endless possibilities.
TEXT P 601341 to 85377
Great open floor plan w hardwood floors, tile, beautiful finishes throughout, & freshly painted interior in several areas. Oversized master suite with walk-in closet, dual sinks & soaker tub. Huge Bonus room could be a theater or additional bedroom.
TEXT P1153893 to 85377
V a n c o u v e r, W A
Vancouver , WA
YO U R R E A L E S TAT E R E S O U R C E S E R V I N G P O R T L A N D A N D VA N C O U V E R Tucked into a peaceful neighborhood on a quiet street , this solid retro brick home has lots of its original vintage charm! This wont last long!
$292,500 TEXT P502193 to 85377
TEXT P 577417 to 85377
Check Out Our Oregon Listings 1225 Parkview Ct Woodburn, OR $350,000 TEXT P 667342 to 85377
V a n c o u v e r, W A Close-in, private & beautifully updated custom built one level with gorgeous gourmet kitchen with granite, skylights, vaulted ceilings, bamboo/tile/newer carpet and many upgrades!
B a t t l e G r o u n d , W A $639,900
Principle Real Estate Broker OR Managing Broker WA
AMY ASIVIDO AMY@AMYSREALESTATE.COM
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New Move-In Ready Homes Available Starting in the Low $300Ks
NE 179 TH ST NE 50 TH AVE
Newest 55+ Community
NE 15 TH AVE
• A Private Gated Community for Ages 55+ • 20 Minutes from Award-Winning PDX Airport • 5 Minutes from Legacy Salmon Creek Medical Center, Shopping, and Restaurants • Quality Finishes Including Granite Counters, Stainless Steel Appliances, and Full-Tile Roll-in Shower • Single Level Plans with Open Layout
GPS for Model 17603 NE 17th Ave, Ridgefield, WA 98642 Open Weekly: Thurs-Sun, Noon-5pm
Contact us today!
Jennifer Short: Community Manager Phone: 360.597.8854 Jennifer@GinnRealtyGroup.com Visit: WhippleCreekVillage.com Facebook.com/BoulevardHomesNW
@BoulevardHomesNW AUGUST 2018 | The Real Estate Book | 3
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At Gateway Mortgage, we believe it’s all about Communities, Families, and Homes. Call us today! 360.588.5128
www.GatewayLoan.com LOAN PROGRAMS • Conventional loans • Jumbo loans • VA, FHA, and USDA LOANS • Construction to Permanent loan • Single Close Construction loan • Renovation loan
Our local home loan professionals are ready to serve ALL your mortgage needs!
A E CARLISLE
NMLS 23 431
TO RE EL
ran anag r N LS 11 74
ANAY RAY RONAE CHRISTENSEN NMLS 341243
Loan Originator N LS 147 43
ELISSA KERS NER Loan Originator N LS 150 45
NMLS 1 34531
AROLE OLLETT EELER Loan Originator N LS 11
JENN SANTORO Loan Originator N LS 7
CODY WILHELM L
JUSTIN ZAKARIASSEN Loan Originator N LS 1704735
Gateway Mortgage Group is a registered service mark of Gateway Mortgage Group, LLC. NMLS 7233. All loans are subject to program guidelines and final underwriting approval. Contact a local branch for details. Vancouver Branch, 1706 D. Street Suite A, Vancouver, WA 98683, NMLS 1498448
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STORYBOOK NEIGHBORHOOD 4 Bd 2 Ba 2440 Sq Ft. 0.12 acres
Beautiful home on interior street of desirable Bellwood Heights neighborhood. Soaring 2-story entry w/elegant staircase & art shelf. Newer laminate ﬂoors on the main! Open kitchen w/smooth-top range, pantry, lots of cabinet space! Huge master suite w/ big closet & relaxing jet tub. Large formal living & dining rooms, spacious family room w/eating area open to the kitchen. rivate fenced backyard w/large covered patio. Close to 2 parks! MLS 1823409
2017 MANUFACTURED HOME ON GATED ACREAGE WITH ALL THE UPGRADES! 3 Bd | 2 Ba | 1784 SF | 4 Acres
reat oom ﬂoor plan. Living m has built-
$375,000 ins, coffered ceilings, wood stove & tons of windows. Spacious Kit w/ island, pantry and charging station! Dining m has coffered ceiling & slider to CovDeck. elax in your Master Suite w/ Slider to private deck & hot tub hookups. 2 Car arage + gravel pad ready to build a shop! Don’t miss A/C, 2nd Driveway, V arking, & Dog un!
#1 Coldwell Banker BAIN Team SW WA and Oregon
360.909.5967 #1 Coldwell Banker BAIN Team SW WA and Oregon
Exceptional SERVICE, NEGOTIATION skills and KNOWLEDGE of SW Washington’s neighborhoods and luxury properties
PARKLIKE SETTING 3 Bd | 2 Ba | 1512 Sq Ft
LOTS of home for very LITTLE money! uiet in-park setting, fenced backyard, tool shed, covered parking. Open ﬂoor plan w/ vaulted ceilings & skylights. Vaulted master suite w/soaking tub, walk-in closet, dual sinks. All appliances included! Close to schools, shopping & bus lines, backs to a park. Features new front wheelchair ramp. Space rent is 442 per month and includes cable. A little TLC ﬂooring & paint and this home will shine! MLS 18112190
Jevon Domench Sales Manager
NMLS #118399 | WA #MLO-118399 Corp NMLS# 3113 | WA #CL-3113 | ML-2421
8100 NE Parkway Ste. 140 Vancouver, WA 98662
Jevon@nwloanpro.com • www.nwloanpro.com
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Dineve Ramirez Real Estate Broker | Lic. OR & WA.
Licensed in WA
Bridging the Gap Between Selling Your Home and Buying a New One. TEXT DINEVE TO 52187 TO TOUR ALL LISTINGS IN SW WA & PORTLAND
Text R844022 to 52187
Text R901776 to 52187
EXCEPTIONAL QUALITY INSIDE AND OUT! Occasionally, something special becomes available. This gated estate, perched atop Prune Hill, is that something special. Offering tranquility, privacy, stunning views! An abundance of windows. Luxurious appliances. Architecturally designed landscaping.
CONTEMPORARY EARTH ADVANTAGE GREEN BUILT HOME meets luxury living. Enjoy the river view and city lights from any of the multiple decks or from the expansive windows in the great room and entertainer’s kitchen. Don’t miss this highly sought after Sequoia View neighborhood. This home offers a stunning master bathroom, ideal main ﬂoor living, ICF construction and an exceptional indoor/outdoor living space.
Text R897382 to 52187
Text P614166 to 52187
$369,900 BEAUTIFUL REMODEL Boat/RV-parking! Featuring 4 BR & 2.5 BA. NEW roof, granite, NEW ﬂooring t/o, NEW interior/exterior paint, NEW ﬁxtures, stainless steel gas appliances and more! Private fenced backyard with pond & NEW landscaping. Dog run, shop, gazebo w/ hot tub. This home offers privacy and tranquility. Convenient to parks, trails, shops, schools & grocery stores. Approx. 10-min from SR-500 & 20-min from PDX!
Your Home Here! Text R899880 to 52187
$310,000 SPACIOUS 3 BD 2 BA ranch home on quiet street, conveniently located to highway, shopping, and restaurants. $519,000 PEACEFUL AND UNIQUE GETAWAY. Take a tour Light and bright with vaulted ceilings, and covered RV through this beautiful cabin on Zigzag river. An all year parking! Just a short walk to the river, and swimming paradise just minutes away from golﬁng and skiing. Call holes. Huge back and side yard, with enough room to ﬁt a boat and RV. RV parking has a 50 amp circuit, and me for your personal tour or to SEE INSIDE! water and sewer hook up.
Ranked #1 “Highest in Customer Satisfaction with Primary Mortgage Originations” — J.D. Power Paula Nirschl
NMLS #383396 Branch Manager Senior Loan Officer www.PaulaLoanCoach.com M: 503.519.1377 | O: 360.816.5103
NMLS #396702 Senior Loan Officer www.mortgage-gal.com M: 360.901.9617 | O: 360.816.5182
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Guild Mortgage Company is an equal housing lender; NMLS #3274; ML-176. Paula Nirschl (NMLS #383396) is licensed to do business in the states of Washington, Oregon and California Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Kelli Scott (NMLS #396702) is licensed to do business in the state of Washington. 201 NE Park Plaza Dr., Suite 242 Vancouver, WA 98684. Guild Mortgage Company received the highest numerical score in a tie among 23 lenders in the J.D. Power 2017 Primary Mortgage Origination Satisfaction Study, based on 5,893 total responses, measuring the opinions of customers who originated a new mortgage or refinanced within the past 12 months, surveyed July - August 2017. Your experiences may vary. Visit jdpower.com
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BEAUTIFUL BOULEVARD NORTHWEST HOMES Starting at $279,900
Presenting Woodlandâ€™s Newest Community
S EQUOIA PARK
Woodland has the small town charm that immediately draws you in with a quaint downtown & an abundance of opportunities to get out in nature & take advantage of the outdoors: Horseshoe Lake Park is in the center of town, Goerig Park, world-class fishing & kayaking in your backyard on the Lewis & Columbia, & incredible hiking & camping opportunities up the road at Gifford Pinchot National Forest & Mt St Helens. Only 1.5 hours to the Ocean & skiing on Mt. Hood. We have it all hereâ€”the living is great!
NICHE COMMUNITY at the confluence of the Lewis & Columbia River, the location of this community is a show-stopper. Boulevard Homes NW- provides a home with standard luxury features, & a spacious home creating unprecedented value. Featuring 3 & 4 bedrooms 3 bath homes with granite counters & stainless appliances in kitchen, Master suite with tile master bath, oiled bronze fixtures, AC, irrigation system, & 2 car garage. The Woodland community is a culturally rich, small town along the I-5 corridor, just 30 minutes to PDX & 10 minutes to the new McMemamins in Kalama.
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CALL OR TEXT ANYTIME We’ll Answer! When you Speak, We Listen. Available 24|7 RIDGEFIELD 1 ACRE/2 PARCELS! | $589,000!!
$695,000!! | LAKE ACCESS!!
Text R802737 to 52187 FOR TOUR! 4 BEDROOM 4400 SQ FT 2 PLUS ACRE ESTATE OFFERED AT $695,000 RARE LAKE ACCESS! alk from home to your boat All Summer long. reat location with year-round outdoor recreation like hiking, boating, and snowmobiling! leaming Brazilian hardwoods, high vaulted ceilings, and skylights, 2 Covered TimberTech Decking with ﬁreplace complete this home!
Text R732642 to 52187 for more pictures!
2 GARAGES WITH ROOM FOR 8 CARS & A COVERED CARPORT! 4 Bedroom home w/ 3 large entertaining areas. Many windows for Lots of natural light. Fenced 3/4 acre pasture with tack-room, Stall & Hay storage on a Separate Tax arcel!! Another 18x24 shop w/ power & heat for your projects. alking trails to downtown Shopping, Schools, arks & Marina. Enjoy the sunsets and partial Columbia iver views from your Trex deck. Kids lay structure, V arking, eaceful and uiet!
5 ACRES! VIEWS! | $228,000
$675,000 | 180º COLUMBIA RIVER VIEWS
Text R850763 to 52187 for more pictures! BREATHTAKING VIEWS OF MT. HOOD and Panoramic Views to the Valley, orge and ortland Lights! Flat Usable 5 Acres with Underground ower, hone and eady to Build! Only 20 Minutes to ortland Airport, 10 Minutes to Downtown ashougal and Shopping! Come alk the Acreage and Fall in Love with the Serenity and Beauty! ou on’t be Disappointed!!
Text R448933 to 52187 for more pictures!
STUNNING CUSTOM HOME! Enjoy 180 degree Columbia iver Views. Exquisite features throughout. Soaring vaults, hand-scraped wood ﬂoors, 3 ﬁreplaces, 1 wood, and 2 gas. Two main ﬂoor master suites and 3rd master suite up. Elaborate waterfall feature with pond off the extensive patio. Finlandia sauna, sound system, temperature wine cellar. Beautiful views from every room.
$339,000!! | CAMAS !!
7.27 ACRE HORSE PROPERTY!! | $644,000!!
Text R826660 to 52187 for more pictures!
Text R892858 to 52187 for more pictures!
Text R780131 to 52187 for more pictures!
SPACIOUS 5 BEDROOM HOME with RV Parking! Remodeled Kitchen w/ Granite, New Gas Range, walk-in Pantry & Bar island. Family room has a as ﬁreplace to keep you cozy and New Carpet through-out the entire house! Enter thru French doors to Master Suite w/Large alk-in Closet, Dbl Sink Vanity & Soaking Tub. Fenced Backyard with reenhouse, Storage Shed, arden-space, spinklers & Concrete atio with a Fire- it! No Flood Insurance equired!
WONDERFUL HOME IN THE TERRIFIC GLENN AT FISHERS LANDING! Home Features ood Floors on Main, as Fireplace & Slab ranite! Island Kitchen with All Appliances, Includes Frig and asher & Dryer! Large Master with alk-In Closet and Full Bath! Easy Maintenance ard with Deck for our Barbecues! Union School! Close to estaurants and All Ammenities!
SPACIOUS CHALET STYLE HOME on eaceful Acres for your Entertaining! Open ﬂoor plan w/ Soaring Vaults, Huge Island Kitchen w/ ranite, Massive Beamed Ceilings, & Amazing Basement to Ceiling Stone Fireplace w/inserts. All Bedrooms have Balconies, Large Basement, 800 sf Deck, & Covered arking for cars! 3 Bay Shop w/ attached 3 Stall Barn, Corral Area, arden, Fire-pit, Cross Fenced asture & Manicured ard w/ sprinklers- V arking!
Lyla Bostick 360-513-5933 Lylabostick@Gmail.com
FREE HOME WARRANTY WITH PURCHASE OR SALE!!
Gina Nehring 360-798-8222 GinaNehring@Gmail.com AUGUST 2018 | The Real Estate Book | 9
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On the Cover
BEAUTIFULLY CRAFTED WITH STYLISH MODERN AMENITITES
Remarkable RANCH home on nearly 13 acres close in with a shop. Original owners, paved driveway, one level ranch, extreme privacy, hardwood floors, central vac, built in speakers, heated tile floors in master bath, large tile shower, soaking claw foot tub, geothermal heating system, heated shop, private well over 20 gallon per minute, private hiking access to Salmon Creek! $925,000 CALL Seth McCauley for details 971-322-4679
PRESENTED BY SETH MCCAULEY 971.322.4679 Nick Redinger Team
e m o H r u o Y y a W r You JB Homes 18518 NW 41st Ave Ridgefield, WA 98642 Thur-Mon 12pm–5pm or By Appointment PRESENTED BY PAUL JEFFRIES (503) 679-7772 email@example.com
CEDAR CREEK | RIDGEFIELD WA STARTING IN THE 400’S 3400 N 10th St,Ridgefield, WA 98642 Home Features:
Coming Soon Neighborhoods Heritage Country Estates | La Center, Wa Starting in the low $400’s Seven Wells Estates | Ridgefield, Wa
• Custom Cabinets • Stainless Steel Appliances • Slab Kitchen Counter Tops • Wood Wrapped Windows • Gas Fireplace • Much More! Other plans and lots available to build and pick finishes.
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ﬁnd the look that’s right for you
Custom Contemporary Homes 3 BEDROOM 2.5 BATH
Cuts | Shampoo Coloring | Bridal
Spectacular Northwest Contemporary with sweeping views of Mt Hood and Columbia River Call Galina for details
Ring or Text Galina Nikora at
Licensed Oregon & Washington
360.953.3860 | firstname.lastname@example.org
Your Washington Real Estate Connection
812 COTTONWOOD DRIVE WOODLAND. Riverfront Property with low bank access to the North Fork of the Lewis River & views of the Lewis iver olf Course. Custom Home features Vaulted Ceilings, high-end ﬁnishes, Master on the Main w/ rivate Deck & more. lenty of extra space in the 1 2 sqft Unﬁnished Storage area. Enjoy the serenity of the ark-like setting w/ anoramic views of Nature & the Lewis River Golf Course. Fish from your Front Yard, or use your Private Community Boat Launch. Own a Piece of Paradise!
1429 COAL CREEK ROAD LONGVIEW. Waterfront Property. Enjoy the blissful tranquility & soothing sound of your own waterfalls from the 0’ long rear-covered deck of your new creek side home. This newly constructed custom home is built on a low-maintenance, private acre of land. It has an open concept ﬂoor plan with 9’ ceilings, custom hardwood cabinets with granite, and LED lighting throughout. The 1,158 garage allows ample room for storage or a shop. elcome Home!
FOR TOUR! Text R848774 to 52187
FOR TOUR Text R785923 to 52187
pENDI 175 MARTY LOOP WOODLAND. This one is a Must See! Offering an inviting ﬂoor plan w/9’ Ceilings, Lrg Kitchen w/Stainless Steel Appliances, alk-in antry, Family M, as Fireplace, Spacious Master Bedroom w/ alk-in Closet.3 more Bedrooms, Laundry Upstairs, Fenced Backyard, New 20x30 Concrete atio & an Over-Sized 3 Car arage! New Exterior aint, New Sprinkler System, arage Door Openers and a Security System. All this on a large 8 3 sqft. lot, elcome Home!
RIVER FRONT PROPERTY WITH LOW BANK ACCESS TO THE NORTH FORK OF THE LEWIS RIVER AND VIEWS OF THE LEWIS RIVER GOLF COURSE. This beautiful one level, 3 bedrooms, 2 bathroom home features hardwood ﬂoors, vaulted ceilings and phenomenal views of the river, golf course and all mother nature has to offer. Enjoy the peaceful, park-like setting nestled in the woods. Private Community Boat launch. FOR TOUR! Text R848773 to 52187
FOR TOUR! Text R785924 to 52187
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Julianne BUCKLIN 0 ,00 25 $6
Updated flooring and fresh paint throughout. Private, dead-end road and beautiful neighborhood. Large backyard/extensive greenhouse/mature gardens, an expansive covered deck. MLS:18367658
Text R887605 to 52187 FOR TOUR!
This Felida, Wa. home boasts detail and craftsmanship from Brazilian Cherry floors, huge kitchen with granite, office with crown molding, and master suite with vaulted ceilings, to the oversized bonus/theater room. The patio and large private backyard are perfect for entertaining! MLS:18021479
Text R887602 to 52187 FOR TOUR!
Moll Voyles BROKER, SRES
Seniors Real Estate Specialists® or SRES® designees are REALTORS® qualified to address the needs of home buyers and sellers age 50+. By earning the SRES® Designation, you have demonstrated the necessary knowledge and expertise to counsel clients age 50+ through major financial and lifestyle transitions in relocating, refinancing, or selling the family home.
email@example.com mollyvoyles.com Molly’s clients enjoy her personal touches and appreciate her genuine, deep commitment and heartfelt care that she clearly exhibits in every interaction. It is truly her joy to ultimately fulfill her client’s request throughout the transaction.
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KNOW WHAT GOES INTO YOUR CREDIT SCORE You’re probably well aware of how important your credit score is. A good score grants you access to loans and favorable interest rates for a mortgage, and opens up many different possibilities for a healthy financial future. But do you know how your credit score is determined? Be aware of the factors used in credit-scoring models so you can work towards achieving a higher credit score, and therefore a better interest rate from your lender. Here are some of the top factors:
ON-TIME PAYMENT PERCENTAGE
This is the percentage of payments you’ve made on time during your credit history. This plays a big role in determining your creditworthiness, so just a couple of late payments could significantly impact your score for the worse. An easy way to avoid late payments? Set up automatic bill pay or create calendar reminders for bill due dates.
When you apply for a credit card, mortgage or auto loan, a hard credit inquiry is initiated on your credit report. One hard inquiry will usually have little impact, but multiple inquiries can have a larger impact. A soft inquiry is when you check your rate to see what you qualify for. If you’re unsure, check with your potential creditor or lender before applying to see if they will do a hard or soft pull.
CREDIT CARD UTILIZATION This is a percentage that is calculated by taking the total of your credit card balances and dividing that number by your total credit card limits. This will show creditors how much of your total available credit you are already using. The lower your credit card utilization, the higher your credit score.
TOTAL ACCOUNTS Consumers with more accounts (or more lines of credit) often have higher credit scores because it indicates that more lenders are willing to give them credit. Having a good mix of different types of credit is good for overall credit health as well. But be prudent: Only apply for credit you actually need.
AVERAGE AGE OF OPEN CREDIT LINES The longer your credit history and the older your accounts the better. That’s why it’s a good idea to keep older cards open and active, and to start applying for credit at a young age.
DEROGATORY MARKS Derogatory marks are negative items on your credit report like collections, tax liens or bankruptcy. These records can stay on your credit report for 7 to 10 years. If you have one on your credit report, it can show a lender that you may have mismanaged your credit in the past. The best way to overcome derogatory marks is to start rebuilding healthy credit again. This will gradually weigh in your favor.
Home loans made easy Federally insured by NCUA
360.418.4422 | iQcu.com
Mortgage NMLS# 643581
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TOP 9 REVERSE
MORTGAGE MYTHS SEPARATING FACT FROM FICTION Recent headlines pointing to the detriments of reverse mortgages aren’t getting the story straight. A leading reverse mortgage lender, Generation Mortgage Company, wants to separate fact from fiction. “Because so many Americans over the age of 62 are facing significant financial stress due to dropping retirement and savings account balances, as well as higher healthcare costs, many groups are targeting seniors under the guise of helping them,” said Scott Peters, CEO and President of Generation Mortgage. “HECM reverse mortgages are Federal Housing Administration-insured products and are heavily scrutinized by regulators and legislators looking to protect seniors’ best interests. As a result, more than 600,000 American seniors have obtained reverse mortgages that have enriched their lives by allowing them to stay in their homes and pay off their bills.”
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THE MOST COMMON REVERSE MORTGAGE MYTHS INCLUDE: Myth: If I take out a reverse mortgage the lender will own my home.
Myth: If I outlive my life expectancy, the lender will evict me.
Fact: False. Homeowners still retain title and ownership to their homes during the life of the loan, and can choose to sell the home at any time. As long as the house is maintained and property taxes and homeowners insurance are paid, the loan cannot be called due.
Fact: False. Reverse mortgage lenders put no time limit on how long seniors can stay in their homes. Since homeowners still own the property, lenders cannot evict them, provided they follow the program guidelines.
Myth: My children will be responsible for the repayment of the loan. Fact: False. Reverse mortgages are non-recourse loans. That means, if the property is sold to pay-off the loan when the homeowner passes away or decides to leave the home for other reasons, there will be no mortgage debt for the family and heirs to repay. The maximum amount owed is the current market value of the house. If the homeowner’s heirs want to keep the home, they would pay the balance in-full to the reverse mortgage lender. Myth: I can’t get a reverse mortgage if I have an existing mortgage. Fact: False. With enough equity, you may be able to pay off your existing mortgage or other debt with the reverse mortgage. The reverse mortgage must be in a first lien position, so any existing mortgage must be paid off. Seniors who take out reverse mortgages are free to do anything they want with their reverse mortgage proceeds. Paying off an existing mortgage is the number one reason most seniors take out a reverse mortgage. Myth: Only low-income seniors get reverse mortgages. Fact: False. Although some seniors may have a greater need than others for the monthly proceeds or lump sum funds reverse mortgages offer, most simply prefer to be free of monthly mortgage payments. Without monthly mortgage payments, many homeowners find they can maintain their existing quality of life and build their savings to help with future expenses. A growing number of people who have no immediate need are taking out these loans so that they have a financial cushion for future expenses.
Myth: There are no objective advisors available to seniors trying to decide if a reverse mortgage suits their needs. Fact: False. Borrowers are required to work with independent, third party counselors approved by the U.S. Department of Housing and Urban Development (HUD) in their local communities. This educational session helps them make the right decision for their unique situations. Myth: There are restrictions on how reverse mortgage proceeds may be used. Fact: False. There are no restrictions. The cash proceeds from the reverse mortgage can be used for virtually any purpose and borrowers should be cautious of lenders attempting to cross sell other products. Many seniors have used reverse mortgages to pay off debt, help their kids, make ends meet or to have a financial reserve. Myth: Reverse mortgage lenders take advantage of seniors. Fact: False. Seniors who have been victims of reverse mortgage lending schemes are extreme exceptions and typically victims of unsavory lenders. As a consumer, you should only work with lenders who are Better Business Bureau and National Reverse Mortgage Lenders Association (NRMLA) members and adhere to those organizations’ strict Code of Ethics and Standards for Trust. Myth: I’ve heard I won’t qualify for a reverse mortgage because of my limited income. Fact: Unlike a traditional mortgage where mortgage payments must be made each month, a reverse mortgage pays you. Because of this, many seniors who do not qualify for traditional financing are eligible for a reverse mortgage.
5/22/18 3:51 PM
Why Use a CRS?
The Council Of esidential Specialists is an afﬁlate of the NATIONAL ASSOCIATION OF REALTORS®
he ertiﬁed esidential e ialist is the highest designation a arded to e erien ed ho ha e o leted ad an ed rofessional training and de onstrated outstanding rofessional a hie e ent in residential real estate hether uying or selling you ant a s e ialist a residential s e ialist o eone ho understands the o le ities of the housing arket ho to est osition your interests and so eone ho ill get to kno you and hat you ant fro the transa tion Make your decision to work with one of the Members of the Residential Real Estate Council below. Only 3 % of All Agents have this prestigious designation
Lori Anderson - Benson
ABR, CDPE, CRS, GRI, SRES, Broker
ancou er omeﬁnd mai com ancou er omeﬁnd com
Serving SW Washington Since 1975 www.rcrandall.bhhsnw.com
RE/MAX EQUITY GROUP
RE/MAX EQUITY GROUP
Berkshire Hathaway Home Services
Broker, CRS, MCNE
firstname.lastname@example.org www. homes4u.net
John L Scott Real Estate
KM Homes/Premiere Property Group, LLC
www.MikeLamb.info Windermere Stellar Vancouver Metro
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FEATURED AGENT OF THE MONTH! James Kimball Broker/Owner of Realty Pro Inc.
360-901-1000 email@example.com www.realtyproweb.com Realty Pro Inc
This “client first” philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I’ve found that the latest technologies are enabling me to do everything I’ve always done, only much more quickly and efficiently. They’ve also helped me to extend the range of services I provide to my clients. So when you decide that you’d like to buy or sell a home in the Vancouver WA, SW Washington, Clark County and surrounding areas areas, please contact me.
Windermere Stellar Vancouver Metro
Windermere Stellar Vancouver Metro
Windermere Real Estate
Safe Harbor Realty
Broker/Owner | Licenced in WA/OR
Wise Move Real Estate
Windermere Real Estate
Premiere Property Group, LLC
www.suepauley.withwre.com Windermere Stellar Vancouver Metro
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STUDY REVEALS BEST TECHNIQUE FOR PRICING A HOME The best technique for pricing a home when listing it for sale is setting the asking price just below a round number, according to recent research published by the Journal of Housing Research. These findings will help real estate professionals and anyone else selling their home develop more informed listing and marketing strategies to better suit sellers’ needs. The results of this study take a lot of guess work out of the marketing of homes for real estate professionals. The study looked at 1,000 buyers in Virginia considering a pool of more than 370,000 listings. The researchers were able to determine the impact of “rounded pricing” listing strategies versus “just below pricing” listing strategies. “Our study suggests that by using the just below pricing strategy sellers can price their home slightly higher without driving away potential buyers,” says Eli Beracha, Ph.D., of Florida International University, who conducted the study with Michael J. Seiler, Ph.D., of The College of William & Mary. “As a result, they end up selling their house for more.” How does dropping your asking price ever so slightly impact the final outcome? “On average, buyers are more attracted to a house priced at $199,000 than to a house priced
at $200,000 and it appears that ‘just below’ pricing works out favorably for sellers in terms of their bottom line,” Beracha explains. “Based on our research, the ‘just below’ pricing strategy yields a selling price that is, on average, roughly 2.5 to 3 percent higher, $5,000 to $6,000 on a $200,000 house, compared with a rounded pricing listing strategy.” While residential real estate agents may disagree on the appropriate pricing strategy to use when listing residential real estate for sale, the researchers found that homebuyers more often prefer homes priced using a “just below” pricing strategy. This preference allows sellers to list their home for a higher initial listing price. On the other hand, due to the demand effect, rounded priced homes typically have shorter time on the market and a lower discount relative to listing price. Their findings suggest that sellers’ ability to set higher listing prices for properties using a “just below” pricing strategy outweighs the lower discount and shorter time on the market associated with similar rounded priced strategy homes. “We tested the age-old debate concerning the best technique to price a home when listing it for sale,” Seiler says. “We find that using a price just below a round number works best, particularly in connection to the left-most digit in the price. So, $199,000 works better than $200,000.”
5/22/18 3:51 PM
GET GREENER PLUMBING, TODAY You may be greening up your cleaning products or your eating habits, but have you stopped to consider your plumbing? Read the following green plumbing tips, and reach out to your local, trusted plumber to help implement them.
INSULATE WATER PIPES.
Heating water for homes can account for as much as 30 percent of residential energy consumption. By insulating the pipes and using high-grade pipe insulation, it can lower the energy expenditure needed to heat your water. Your plumber can install insulation on your pipes and save you money in the process.
INSTALL WATER SAVING FEATURES.
In older homes, plumbing features such as faucets, showerheads and toilets are as historic as the homes themselves. By replacing these dated units with modern, energy-efﬁcient counterparts, you can reduce leaks, conserve water and reduce your energy bill. • Newer and more efﬁcient toilets can cut down the amount of water used by as much as 80 percent. A low-ﬂow toilet only uses 1.28 gallons of water per ﬂush, whereas a full-ﬂow toilet uses 3.5 gallons per ﬂush. A dual-ﬂush toilet uses only 1.6 gallons for solid waste
and only 0.8 gallons for liquid waste. A newer toilet can translate to a potential savings of 10,000 gallons of water each year. Newer toilets essentially pay for themselves, so get your plumber to install one today. • Install a tankless water heater, which uses much less energy than a standard water heater. Instead of wasting energy keeping a huge reservoir of hot water at all times, a tankless water heater heats the water only as it is needed. • Replacing a traditional showerhead with a low-ﬂow showerhead will reduce the traditional water usage by around 50-70 percent. The homeowner can also get their plumber to install an even greener shower product, the steam shower. While traditional showers use 25 gallons of water per shower, a steam shower uses around 1 gallon of water per shower.
INSPECT YOUR HOME PLUMBING FOR LEAKS.
Detecting leaks can be a difﬁcult task, and in some cases, small leaks can be unnoticeable to an untrained homeowner. Hire a professional to help you hunt down hard to spot leaks. Contact your plumber today, and together you can implement these tips to save money and the environment. Your plumber might also have additional green plumbing solutions they can bring to your home.
5/22/18 3:51 PM
RETIRING? d n o y e THINK b THE BEACH Starting to think about where your post-career phase of life might take you? A lot of people look at warm weather locations like Florida or Myrtle Beach, S.C., where they can play golf or be near the beach. But what if a house on the golf course or a beach community isn’t what comes to mind when you think about retirement? Well, don’t worry, you’re not alone. With about 4 million baby boomers retiring each year, it’s no surprise that the location options are expanding. While warm weather states such as Florida, Arizona, Texas and Georgia are still top choices, more and more of today’s retirees are opting for hardier climates - with states like Colorado, Pennsylvania and Maine making Forbes’ 2017 list of best places to retire. Also growing in popularity are urban locations, as many retirees are choosing to stay in the city they’ve lived in for years or choosing to downsize by moving to an apartment in an urban center. Cities offer high walkability scores, boundless options for entertainment and culture, plenty of restaurants to go out to eat at or order out from, and quick access to affordable public transportation and plenty of quality healthcare.
If city life is your option for retirement, do your research and talk to local real estate professionals to rate any city you’re considering on the following factors: AFFORDABILITY SAFETY CONVENIENCE AGING-FRIENDLY HOUSING OPTIONS ACCESS AND SAFETY OF PUBLIC TRANSPORTATION COMMUNITY ENGAGEMENT CULTURAL OFFERINGS
Of course, pedestrian-friendly streets and a strong local economy are important as well. Some cites that meet these criteria are also in warmer locals, such as Florida cities Tampa, Orlando, and Miami. Scottsdale, AZ; Austin, TX; Atlanta, GA; and Denver, CO are also attractive choices. So retirees are able to live in a friendly climate, while also having all of the convenience that city life offers. Remember, city life can be within your reach, no matter what your age. Consult The Real Estate Book in the locations you’re interested in living to ﬁnd the perfect place to spend your golden years.
5/22/18 3:52 PM
Making the experience as easy & stress free as possible.
3 Rivers Team 3 Rivers Team
Home Inspections Home Inspections
Whether you are
FLEXIBLE SCHEDULING buying or selling, FLEXIBLE SCHEDULING I strive to exceed PRICES PRICES and COMPETITIVE and COMPETITIVE • FHA & VA Manufactured Home Foundation Certiﬁcates • Pool & Spa Inspections • Computerized Reports in Full Color • Reports Delivered Same Day • Local and Experienced Inspector Washington State License # 1187 Oregon State License # 208513 • Radon Testing
360-824-0577 | www.3RiversTeam.com ALL ABOUT
FLOORS 6700 NE 152ND AVE STE 140, VANCOUVER, WA
All About Floors N is a unique ﬂooring experience located in Vancouver. With prices that can’t be beaten and a one-of-a-kind showroom. • LUXURY VINYL TILE • CARPET • HARDWOODS • LAMINATE • SOLID SURFACE COUNTERTOPS • TILE WORK
Crest Realty Co. 401 NE 3rd Ave. Camas, WA
JOHN SCHUMAKER REALTOR®
360-991-7219 NEIGHBORHOOD SPECIALIST Camas, Vancouver, and Washougal I live and work in Camas. Specializing in properties in Camas, Vancouver, and Washougal. Knowledgeable, informative, & trustworthy. Ensuring my clients feel comfortable, informed, and prepared throughout the entire journey of the sale. I look forward to helping you find your ideal home, or selling your existing home.
firstname.lastname@example.org johnschumaker.withwre.com AUGUST 2018 | The Real Estate Book | 21 7/13/18 2:07 PM
Jennifer Hoffman 503-559-6441
John Minnis 360-595-7922 email@example.com
5600 NE 121st Ave, Vancouver, WA 98682
Prune Hill Realty
Brokers You Can Trust!
CAMAS, WA | Offered at $925,000
4 BEDROOM | 3.5 BATH | 4002 SQ FT A stunningly beautiful home. Master w/ city & river views. A curved wall of windows, high ceilings, formal dining, hardwoods, 2 family/media rooms, den & 877 sq. ft. garage. Jack & Jill Bath. Huge deck & stamped concrete patio, fenced, landscaped to perfection. Dual heat/A. Come see this beautiful former Parade home on a street of million dollar homes. Great schools, close to the freeway, parks, shopping, walking paths, and tennis. Call today! Text R894143 to 52187 for more pics & info
SOL WASHOUGAL, WA | Offered at $445,900
3 BEDROOM | 2 BATH | 1400 SQ FT | 2.5 Acres Parklike Country setting! 2.5 acres w/438 ft of Little Wash River frontage. 1400 sqft Ranch home w/3 bdrms/2 baths & good sized utility room. Home needs updating and some finish work. NEW ROOF and NEW lower deck. Large oversized detached garage w/shop area. Cute little barn for extra storage. Enjoy the sounds of the river from the deck overlooking the river. About 10 minutes to Camas or Washougal. Text R894106 to 52187 for more pics & info
Vonnie Waddington | 503-720-2261 22 | The Real Estate Book | AUGUST 2018 26205.23.5.022.indd 1
GREAT AREA OF NEWER HOMES. Pride of ownership. I-5 access nearby plus shopping, restaurants & parks. Hardwoods, granite, 18’ ceilings. Den main. Good floor plan for entertaining. Kitchen island open to family room w/ FP. 4 bedrooms w/ Large master w/ lighted trey ceiling, walk in & spa bath. Heat pump for cooling & heat. Yard, patio & fenced. Wired for stereo and vacuum system. Includes 1 year warranty too! Text R747086 to 52187 for more pics & info
Follow us: 7/13/18 2:19 PM
SELLING MADE SIMPLE — BUYING MADE EASY
I pride myself to do my best for you. Whether you’re selling your home, buying a new one, or both, I will do the work it takes to get the job done.” Susan $399,950
SERVING CLARK, COWLITZ & LEWIS COUNTY
PIECE OF PARADISE Custom built home on 1 ﬂat usable acre at the end of the rd of beautifully built homes. This gorgeous home has something for everyone. erfect size for a single level home w/ 25 + sqft, 3 large bedrooms, plus den, 2 full + 2 half baths, formal dining, Timbertech deck. Tour this home by texting R883308 to 52187 $255,000
PEACEFUL, PRIVATE, VIEW HOME! Beautifully landscaped with attached greenhouse. Large updated kitchen with island that opens to living room and dining room. elax in the Den/ Library for your reading and hobby leisure. 2 car detached garage with shop. This home offers it all. MLS 1304520 Tour this home by texting R867904 to 52187 $625,000
CHARMING LONGVIEW 4 BEDROOM! Hardwood ﬂoors, newer roof, painted exterior and large fenced backyard.
Tour this home by texting R767075 to 52187
PRIDE OF OWNERSHIP! 4 BED OOM 2 BATH CASTLE OCK, A reat neighborhood of newer home. opular open ﬂoor plan with one bedroom on the main ﬂoor. Fenced backyard. One year warranty.
ELEGANT CLASSIC TRADITIONAL BRUSH PRAIRIE 4 BEDROOM 3 BATH Home is nestled on 2.85 ﬂat park-like acres. Master on main with ﬁreplace. ich hardwood ﬂoors. Shop and beautiful fruit trees. MLS 1318514
Tour this home by
Tour this home by
texting R770795 to 52187
texting R891645 to 52187
COUNTRY ELEGANCE ON 4 PLUS ACRES! 4 BED OOM 3.5 BATH Drive 10 minutes from Kelso a and arrive in a serene private setting. Listen to the creek from the stamped concrete patio. Charming kitchen with hickory cabinets and beautiful hardwood ﬂoors. The convenient shop is wired and heated. Covered parking and additional outbuildings. MLS 1325510 Tour this home by texting R897269 to 52187
view my listings text SUSANWOOD TO 52187 AUGUST 2018 | The Real Estate Book | 23
7/13/18 2:07 PM
Trending Around Town
Taste the Difference in Historic Downtown
Driving in any direction in Vancouver and you will notice new apartment and condo complexes, new neighborhoods, schools, and commercial buildings. The Waterfront Project is bringing quite a bit of attention to our community, and many are eagerly awaiting the opening of new restaurants near the pier. With all this growth, the heart of downtown’s historical neighborhoods remains as vital as ever before.
t wasn’t too long ago that many Clark County residents had to drive south into Portland for fine dining and a night out. That has changed. There are several options to satisfy one’s craving for a good craft beer, wine made locally with Washington Grown grapes, and establishments with fresh ingredients sourced from local farmers.
istorical downtown is now home to breweries such as Bearded Brothers Brewing and Heathan Brewing, The Thirsty Sasquash, plus more. Cellar 55 and Burnt Bridge Cellars are just a couple options for wine enthusiasts. We even have a cycle tour of breweries and wineries in downtown! And, not to tour on an empty stomach, there are new choices for dinner as well.
ne such addition to the heart of historical downtown is Elements at Willem’s. Elements is a modern American restaurant with global influence. Sourcing local, sustainable, fresh ingredients celebrating the bounty of the pacific northwest. Prepared by chef and owner Miguel Sosa.
VA N C O U V E R
iguel is no stranger to the restaurant life. He got his start when he was 14 in Chicago learning from the top chefs. He was good and learned he had a passion for cooking and soon worked his way up to the head chef position at Nick’s Fish Market in Chicago. His philosophy is simple; buy sustainable local ingredients. He shops locally and buys all of his meat and veggies from Vancouver farmers. Very little of his food goes to waste. He uses scraps of all vegetables for his demiglace and his secret mole, which he prepares daily.
ll of his dishes for his seasonal menu are freshly made. His high expectations for his chefs are molding them to be the best. He studied and trained from many cultures bringing together a fusion of tastes. He will be changing the name of the restaurant to Elements representing the four elements.
uilding vibrant neighborhoods without losing community is the goal of downtown Vancouver. As we enter the summer months, there will be many opportunities to partake in community events. Summer concert series at Esther Short Park, movies in the park, Vancouver Beer & Wine Festival, Cruise the Gut, and many more events are planned. We look forward to seeing you there!
Story by Ramona Locken | Photos by Iris Leonardo
Ramona Locken 360.891.0100
DESIGNATED BROKER AT REALTY ONE GROUP CASCADIA
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FEATURED PROPERTIES WASHINGTON COAST
LONG BEACH, WA $860,000
OCEAN PARK, WA $599,000
3 BD | 2.5 BA | 3,270 SQ FT
3 BD | 3.5 BA | 2,827 SQ FT
Soaring views, privacy, luxurious finishes abound in custom escape featuring a thoughtful reverse layout placing the living areas in perfect position for the best views. Separate guest suite on lower level includes a kitchenette and private deck. Outdoor shower, high-end appliances and fixtures. Brazilian cherry floors, cedar ceiling, granite counters, pantry w/ pull-outs.
Text R505145 to 52187 for more info!
Luxury beach home with stunning ocean views! Partially furnished, perfect for vacation rental. Two Master Suites on Upper, with Loft/Bonus room in the center. Great Room, Gourmet Kitchen, Powder Room on Main. The lower Level studio has full bath and closet. Can be finished into multiple rooms. 500+ SF Deck for entertaining!
Text R353597 to 52187 for more info!
ILWACO, WA $625,000
4 BD | 2.5 BA | 4,530 SQ FT Impeccable historic beauty with amazing views of Ilwaco port. 1930s charm and quality with modern updates and amenities. Stunning original wood floors and trim. Staircase from Fort Canby Captain’s Home. Art Deco details and fixtures throughout. Natural light throughout. Large finished basement. Spacious attic on 3rd could become Master Suite.
Text R533843 to 52187 for more info!
Cascade Sotheby’s International Realty www.theheatherdefordgroup.com
LUXURY SYNDICATION AT ITS FINEST Luxury syndication with The Real Estate Book has global reach. International editions of The Wall Street Journal, including Asia, Europe, India, China and Latin America. Mansion Global English, Spanish and Chinese.
Luxury listings are posted daily to these great luxury brands including: *
# Listings $450,000 and above, * Listings $500,000 and above, ** Listings $750,000 and above, *** Listings $1,000,000 and above
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AUGUST 2018 | The Real Estate Book | 25 7/13/18 2:06 PM 5/26/17 10:35 AM
SE T H M C C A U L E Y vw
Nick Redinger Real Estate Team (971) 322-4679
Text SETH To 52187 For ALL Your Real Estate Needs!
EXCEPTIONAL MOVE IN READY HOMES Built by Pyramid Homes
SALMON CREEK $549,900
5 BD | 3 BA | 2797 SQ FT MULTI-GENERATIONAL LIVING Daylight Ranch Home. Separate living quarters with mother in law suite in finished basement. Features 2 bedrooms and kitchenette, separate entry. Slab granite, tankless water heater, laminate flooring, gas fireplace, soaking tub in master, includes central AC. Home is situated in a cul- de- sac, oversized 2 car garage with a huge shop. Call Seth for details!
HOCKINSON AREA $439,900
4 BD | 2.5 BA | 2322 SQ FT BEAUTIFUL HOME situated on corner lot located in award winning Hockinson school district. Nice slab counters, tile floors & tile shower in master. Gas fireplace, stainless appliances, 96% efficient gas furnace. Home will be fully landscaped front and back w/ sprinklers. Covered back patio. Beautiful neighborhood park and basketball court.
4 BD | 3 BA | 2497 SQ FT RANCH STYLE HOME with 3 bedrooms on the main floor including master + 4th bedroom and bonus room upstairs. Award-winning Hockinson School District, premium slab quartz, tile floors & tile shower in master, gas fireplace, stainless appliances, 96% efficient gas furnace, large laundry room on main, will be fully landscaped front and back w/sprinklers, covered back patio, 3 full bathrooms. MLS:18238554
SALMON CREEK $925,000
3 BD | 3 BA | 2722 SQ FT REMARKABLE CUSTOM HOME on nearly 13 acres close in with a shop. Original owners, paved driveway, one level ranch, extreme privacy, hardwood floors, central vac, built-in speakers, heated tile floors in master bath, large tile shower, soaking claw foot tub, geothermal heating system, heated shop, private well over 20 gallons per minute, private hiking access to Salmon Creek!
5 BD | 3 BA | 2720 SQ FT CUSTOM BUILT one owner home on corner lot located in Columbia River School District & minutes to I/5. Oversized extra deep 3 car garage with 10’ door & fully insulated, wired for 220 + utility sink. Real oak hardwood floors, hickory cabinets, bedroom & full bathroom on the main floor, jetted tub in master, huge backyard w/ covered deck, 5 beds + office, sprinklers front & back, upstairs laundry room, bosch dishwasher. MLS:18438973
3 BD | 3 BA | 2971 SQ FT EXQUISITE CUSTOM RANCH HOME nestled on 5 acres beautifully manicured and landscaped. No expense spared on this custom build. 1904 Sqft detached shop with RV hookups inside, large loop driveway. Chefs gourmet kitchen, 10’x4’ live edge granite island, rustic hardwood flooring throughout, heated tile floors & slab granite in the laundry, each bedroom has a full bathroom. See attached features list, too much to list!
Loan OfﬁcerNMLS# 1454045
Gateway Mortgage Group is a registered service mark of Gateway Mortgage Group, LLC. NMLS 7233. All loans are subject to program guidelines and ﬁnal underwriting approval. Contact a local branch for details. Vancouver Branch, 201 NE ark laza Dr., Ste. 225, Vancouver, A 98 84, NMLS 1498448.
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Leslie Brophy Owner Designated Broker, aciﬁc ealty
TEXT WAVES TO 52187 TO VIEW ALL MY LISTINGS!
OCEAN PARK, WA | $799,000 Exceptional ocean views from master, living & dining rooms-over 3,200 sq. ft. 150’ wide Mean High Tide ownership. Large family room and office. #1294648 Presented by Leslie Brophy | Owner, Designated Broker, Pacific Realty (360) 244-0643 | firstname.lastname@example.org Tour this home text R786149 to 52187
LONG BEACH, WA | $269,000 Oceanside condo, Clear Ocean View from the upper floor. Two full suites with walk-in closets. Part time, full time or vacation rental. #1313391 Presented by Leslie Brophy | Owner, Designated Broker, Pacific Realty (360) 244-0643 | email@example.com Tour this home text R866394 to 52187
LONG BEACH, WA | $389,000 Close to Beach, Golf & Discovery Trail. Vaulted ceilings, custom cabinets, 4 bedrooms, 3 full baths. Garden well. Vacation rental possible. #1292024 Presented by Leslie Brophy | Owner, Designated Broker, Pacific Realty (360) 244-0643 | firstname.lastname@example.org Tour this home text R816282 to 52187
SEAVIEW, WA | $269,000 Classic Seaview Victorian with southern exposure, sun-filled living area. Classic eat-in kitchen, loft guest area over the original carriage house. #1217685 Presented by Leslie Brophy | Owner, Designated Broker, Pacific Realty (360) 244-0643 | email@example.com Tour this home text R786143 to 52187 AUGUST 2018 | The Real Estate Book | 27
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Veterans Helping Veterans In Clark County SINCE 1992
VA HOME LOANS If you received 10% or more in
service connected disability, we can save you thousands on your VA Loan.
YOUR VA REAL ESTATE + MORTGAGE TEAM Robin Conrad
Professional Realtor 22 Yrs. Experience U.S. Army OIF 2010 360.903.1129 firstname.lastname@example.org
Sr VA Loan Specialist NMLS #70269 Service USAR/Army 360.571.LOAN (5626) email@example.com
No Down Payment
No Application Fees
Eligibility Up to $453,100
360.571.LOAN (5626) 1.800.920.5420
Creekside Mortgage, Inc
NW #1 VA Home Loan Experts
Your Key to Success
Veterans in our area can be eligible for up to a $424,100 home loan with zero down.
Sr VA Loan Specialist NMLS #71539 Service Retired US Navy 360.567.3768 firstname.lastname@example.org
Creekside Mortgage, Inc
Expert Realty NW
One of the biggest benefits to the VA Loan is that you are not required to put any money down.
NW #1 VA Home Loan Experts
No Mortgage Insurance
We don’t charge you any application fees or fees to pull your credit. We can get you a great interest rate because we’re a broker with access to many banks.
4601 NE 77th Ave, Suite 100 Vancouver, WA 98662
You can avoid one of the biggest expenses found on other loans. Closing Costs
Seller Paid Closing Costs
When you use an experienced realtor, you can often have seller paid closing costs.
email@example.com www.VALoanSpecialist.com 7/13/18 2:14 PM
FRONT DOOR Neighborhood Knowledge
Free No Obligation Home Valuations at FrontDoorNW.com/sell
VIEWS & PRIVACY CAMAS WA Situated at the top of Livingston Mountain in prestigious Autumn Hills. Master on main with ﬁreplace. Kitchens on each level-2nd living quarters? Fantastic home theater room. Enjoy territorial & Mt St Helens view from a plethora of indoor/outdoor living spaces. Hot tub, outdoor kitchen & fenced yard. Two additional 5+ acre parcels available. $1,200,000
BEAUTIFUL AND SPACIOUS MT VISTA HOME. Enjoy ﬁve bedroom, four bathroom home with one bedroom/full bathroom on the main ﬂoor. Fully ﬁnished basement with bedroom, bathroom, and bonus room. Backs to scenic green space where you can watch the sunset from your deck! $445,000
CAMAS BEAUTY! Enjoy this year’s sunny season from the gorgeous front deck, or inside playing Billiards and cooling off with Central A/C. This spacious home is less than 10 minutes away from both Lacamas Lake and Costco, making it ideal for both fun activities and convenience. Fully ﬁnished basement could be used as second master bedroom/separate living quarters. $450,000
ONE OF A KIND OPPORTUNITY IN SELLWOOD - Less than a block to shopping & dining! Tastefully remodeled 5 bedroom, 3 bathroom home + 800 sq ft apartment + 400 sq ft ofﬁce w/ private entrance, reception area, bathroom. Updated plumbing & electrical, gas heat, master on the main. Over-sized garage & fenced backyard. Ideal property for live/work, multi-generational living or investment. $900,000
SHUMWAY BUNGALOW minutes to downtown Vancouver. Beautifully updated 1930s 4 BD Bungalow w/ master on main. Finished basement w/ wide staircase to a refuge that features bonus rm, utility rm, storage rm & large walk-in closet. Newer laminate ﬂooring, carpet, paint & dishwasher. Large covered patio. $350,000
SPACIOUS 4 BD HOME conveniently located near shopping & entertainment. Step outside from the large & open kitchen to the fully fenced backyard perfect for entertainment & outdoor activities. Exudes natural light with many bay windows throughout. Enjoy a relaxing night in the jacuzzi tub from the privacy of the master bedroom $350,000
CALL OR TEXT 360.450.4486 FOR MORE INFORMATION Email HUDhomes@FrontDoorNW.com for a list of all available HUD homes.
AUGUST 2018 | The Real Estate Book | 29 7/13/18 2:06 PM
Million Dollar Views await you at Silver Shores,
at half the price...
High-End Quality Homes Truly-Awe Inspring Views World Class Outdoor Activities
Greenbelt Walking Paths Gated Community 20 Min to Shopping
Lakeside Lifestyle (360) 423-5151 www.silvershoresestates.com
Less than 60 min from Vancouver/Portland area! WA #NEWROHI943D2
30 | The Real Estate Book | AUGUST 2018 26205.23.5.030.indd 1
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CONTACT US TODAY TO FIND THE MORTGAGE PRODUCT FOR YOU! Products We Offer First Time Homebuyer Chenoa
NMLS-254946 o: (360) 553-3116 f: (855) 714-8446 firstname.lastname@example.org
Jumbo FHA VA Down Payment Assistance
NMLS-241611 o: (360) 713-9364 f: (855) 392-1141 email@example.com
NMLS-259123 o: (360) 713-9356 f: (855) 714-8459 c: (360) 600-6266 firstname.lastname@example.org
NMLS-116653 o: (360) 553-3124 f: (855) 714-8462 c: (360) 798-8679 email@example.com
This is not a commitment to lend. Rates and terms are subject to change without notice. Subject to qualification. This document is provided by Finance of America Mortgage. Any materials were not provided by HUD or FHA. It has not been approved by FHA or any Government Agency. Â©2018 Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 (www.nmlsconsumeraccess.org)
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AMES IMBALL R E A LT OR/B ROKER
PRSRT STD U.S. POSTAGE PAID GAINESVILLE, GA PERMIT 85
***ECRWSSEDDM*** RESIDENTIAL CUSTOMER
TOP 1 % • OVER 1000 HOMES SOLD! • STAR MARKETING GUARANTEED!
TEXT JKTEAM TO 52187 FOR ALL YOUR REAL ESTATE NEEDS YOUR FUTURE IS HERE!
CAMAS SCHOOLS 3727 SF | 4 BR | 3 BA 2018 Hi-tech Custom Home w/Stunning Views! reat room ﬂoor plan, wired for sound, home automation & security. ourmet kitchen w/SS appliances. Spectacular Master suite w/custom closet & soaking tub + heated ﬂoors. 12’ ceilings & walls of glass. Outdoor Living Area. This home has everything. 15 min to D .
OFFERED AT $799,900
Text R750188 to 52187 for more info & pics. www.RealtyProWeb.com/18319456
COLUMBIA RIVER VIEW!
4115 SF | 4 BR | 2.5 BA Spectacular Columbia River Views! Gated Community! Spacious great-room ﬂoor plan with gourmet kitchen, large island. Outdoor covered entertainment area / amazing views. Two laundry rooms, one in master suite one on main. Large bonus room upstairs.4th bedroom or Den on main. onderfully located off desirable Evergreen Hwy, 5 minutes to D airport, nearby shopping.
Offered at $744,900
Text R716961 to 52187 for more info & pics. www.RealtyProWeb.com/18152865
10 ACRES IN RIDGEFIELD
4 BR | 3.5 BA Luxurious idgeﬁeld Country Estate. rivate & eaceful Setting. Bonus m, uest uarters. ranite Kitchen Counters, as Appliances, Hardwood Floors, aint, Custom Cherry Cabs, Fireplace in Master Suite, Living, Family & Basement. Car arage, Shop, Close to Tri-Mountain olf Course & just 25 Minutes to D or downtown ortland.
Offered at $929,000
Text R614628 to 52187 for more info & pics. www.RealtyProWeb.com/17620916
FAIRWAY VILLAGE 55 + COMMUNITY
2034SF | 2BD | 2BA
Single level on the 3rd fairway. Open living space w/lots of windows. 2 car gar, room for golf cart. Large utility room.
Offered at $469,900
Text R844882 to 52187 for more info & pics. www.RealtyProWeb.com/18557237
• Clubhouse • Planned Activities • Pool • Close to Shopping and Dining • 15 minutes to Portland, Or
2174SF | 3BD | 2.5BA
lus loft with 2 bedrooms, and full bath. rivate balcony. Deluxe master suite. Covered atio.
Offered at $469,000
Text R846624 to 52187 for more info & pics. www.RealtyProWeb.com/18693693
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