Just Listed: Alluring Gem in South Salem's Idyllic Neighborhood!

 
 
 

Discover elegance and comfort in this charming 3-bedroom, 2-bathroom gem in South Salem.

Nestled in a serene neighborhood, this immaculate home offers updated luxury vinyl flooring and new carpet, a beautifully landscaped yard with planter boxes included, and modern upgrades throughout. With a new roof, siding and exterior paint this home will be able to withstand the tests of time. The convenient location, top-notch schools, and nearby amenities, make this the perfect place to call home.

Listed by Ashley Peterson for West + Main Homes. Please contact Ashley for current pricing + availability.

 
 
 

Have questions?
West + Main Homes
(405) 652-6635
hello@westandmain.com

Presented by:
Ashley Peterson
503-428-4805
ashley@westandmainoregon.com


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This Weekend: Oregon Open Houses for August 11-13th!

 
 

Our agents are hosting Open Houses this weekend all over the Central Oregon Area.

You can find all of these listings on our website. Please reach out to the listing agent for information on times and more information on the listing!

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

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Just Listed: A Remarkable Home on Broken Top's Highest Bluff!

 
 
 

Built on Broken Top's highest bluff, and noted for its unique grand curved windows, discover a home where elegant design meets livability.

Entering past twin curving staircases and a sculptural clear pneumatic elevator, you are welcomed into a spacious great room with a 20-foot ceiling and an impressive wood-burning fireplace.

Culinary excellence is offered by a kitchen fitted with top-notch Wolf and Sub-Zero appliances. An additional back kitchen adds a Sub-Zero drink refrigerator and a second dishwasher. The residence thrills with many extraordinary touches such as a large art studio, two adjoining offices, and underground wine storage.

The expansive primary bedroom suite, boasting stunning garden views, is a sanctuary replete with abundant built-in storage and a private patio, creating an idyllic retreat. The private back garden, one of the most beautiful in Broken Top, boasts a unique water feature with two streams flowing from a lush copse of tall trees.

Listed by Greg Fischer for West + Main Homes. Please contact Greg for current pricing + availability.

 
 
 

Have questions?
West + Main Homes
(405) 652-6635
hello@westandmain.com

Presented by:
Greg Fischer
541-550-1340
greg@westandmainoregon.com


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4 Major No-Nos a Mortgage Lender Says to Avoid When Moving to a New State

 
 

Securing a mortgage can be a tricky process.

Between getting your finances in order and learning the lingo (APR, debt-to-income ratio, and LTV are just a few of the fun new terms), many people can be left feeling like their head is spinning. Add an out-of-state move to the mix, and things can become downright complicated. Ahead, loan originator Carrie Casey with Appli Home Loans shares what you need to avoid when your hunt for a new home is taking you out of state. 

Failing to Clear the Move with Your Boss

Having the ability to repay your mortgage is a major part of your loan approval, which is why Casey says you need to ensure you’ve got all of your ducks in a row with work before you make your move. 

“If you are a remote employee and are staying with your same employer in your location and purchasing a home, you will need a letter from your employer that you will be able to continue your remote job in your new location,” she explains, adding that some employers require their remote employees to remain within the state. 

Altering Your Existing Debt Profile

Another potential pitfall Casey says you need to avoid has to do with changing your existing debts. “Hold off until buying a new vehicle or selling a vehicle (selling will close that line of credit and impact your credit score negatively at least for the next month or two), avoid switching banks, don’t spend all your money you’ve set aside for your down payment and closing costs, and please don’t lie about having a job in the new location,” she continues. “We always verify!”

Trying to Hide Recent Spending

Casey knows that things can come up, which is why she says it’s important to keep an open line of communication with your lender. “If you’ve bought anything on your credit cards outside of the ordinary usage, let your lender know right away so they can determine if there’s an issue,” she says. “I once had a client book a trip to Thailand during the process and it dropped her credit score 30 points and caused her mortgage insurance rate to increase about $80 per month.”

Fortunately that borrower had a credit score in the 800s, which allowed her to take the hit to her credit. But not everyone will be that lucky. “If credit had been in the 600s it could’ve been a lot worse and it could knock someone out of qualifying.”

Putting Your Moving Expenses on Plastic

Long-distance moves can wreak havoc on your budget, as they tend to be more expensive than local ones. Some people may be tempted to put those initial fees and charges on their credit cards to help offset the costs, but Casey says that can spell trouble for your application — even if you plan to pay them off right away. 

“The charges affect your credit immediately, but the credit bureaus can take a month to reflect after paying the credit cards back down,” she explains. “If there is a major credit issue while under contract on a home, there is something called a ‘rapid rescore.’ It involves following a set of instructions to get credit back in line by paying down specific lines of credit, but it can be costly and difficult to do if you don’t have the funds.”

If you have the funds in your bank account, Casey says that she recommends going that route rather than putting anything on credit. And when in doubt, talk it out! Your lender should be able to answer any questions you may have, so give them a call before making any changes before your loan closes.

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The Perfect Backyard Additions for Late Summer and Early Fall

 
 

As the summer fades out and the fall season approaches, many homeowners look to spruce up their outdoor living spaces.

]You can make many backyard modifications to create a unique setting for your family and friends to enjoy. Whether you’re adding an outdoor kitchen, a fire pit, or a pool, there are countless ways to create the perfect space for your late summer and early fall gatherings. This blog post will explore some of the best backyard additions to consider.

Outdoor Kitchen
Investing in an outdoor kitchen can enhance the functionality and aesthetic of your backyard. It offers a perfect space for entertaining guests while adding value to your property. Whether it's a simple grill station or a fully equipped cooking area with refrigeration, a range, and a sink, an outdoor kitchen can be customized to meet your specific needs and budget. You may consider incorporating additional features such as a bar area, a pergola, or even a beautiful stone wall to create an inviting atmosphere. Maximizing your outdoor living space with an outdoor kitchen can provide an ideal environment for cooking meals, spending time with loved ones, and making memories.

Fire Pit
A fire pit can truly enhance any backyard during the fall season. As the temperatures drop, a fire pit can provide a much-needed source of warmth on a cool evening. However, a fire pit's benefits don't just stop at its functional aspects; it's an excellent way to add ambiance and atmosphere to the outdoor space. When it comes to designs, homeowners have an array of options to choose from when picking their perfect fire pit, from the basic wood-burning pit to the advanced gas-powered fire pit. Fire pits come in diverse shapes and sizes, so homeowners can find one that fits their unique style and taste. Whether you opt for a round or square, low or high fire pit, one thing is certain: it's a fantastic investment to enjoy the outdoors even as the weather gets chilly.

Swimming Pool
A swimming pool can be a valuable addition to your home's backyard, particularly during the summertime when the heat seems to be inescapable. Choosing the right pool for your backyard can be challenging, but with some considerations, it doesn't have to be. While various in-ground and above-ground pool types are available, it's essential to consider your available backyard space and budget while making this decision. Additionally, adding beautiful pool decks and surrounding landscaping can elevate the pool's appeal, making it a refreshing retreat and a statement piece in your backyard. A swimming pool can be an enjoyable investment that adds value to your home and helps you beat the heat during the summer months.

Outdoor Lighting
Outdoor lighting is a necessary aspect of any backyard space. It not only adds to the ambiance but also helps people navigate safely during the nighttime hours. There are plenty of lighting options available in the market for those interested in adding outdoor lighting to their yard. Whether it is string lights or lanterns, the availability of different options means that homeowners can choose the style that best suits their preferences and budget. Furthermore, considering LED lights for outdoor lighting is highly recommended as they are more energy-efficient and have a long lifespan compared to traditional bulbs. Making the wise choice of LED lighting can lead to an enjoyable outdoor experience for years to come.

Garden
A garden is a wonderful way to create an inviting and peaceful space in your backyard. By carefully selecting plants and flowers that are well-suited to your yard's landscaping and climate, you can quickly transform your outdoor area into a serene oasis. Whether you want to relax with a good book or simply enjoy the view, a garden provides the perfect setting. For those seeking an even greater sense of tranquility, consider adding a small pond or fountain to your garden- the soothing sounds of water can work wonders to create a calming atmosphere.

Hot Tub
A hot tub is a luxurious addition to any backyard, offering more than just a source of entertainment. With proven health benefits, including relaxation and improved circulation, it's no wonder that hot tubs continue to be a popular investment. Whether you're inviting guests over or looking for a relaxing evening with family, a hot tub provides the perfect setting. When selecting a hot tub, it's important to choose from a trusted company like Wellis Hot Tubs of Colorado. Choosing a reputable manufacturer ensures the long-term performance and safety of your investment, giving you peace of mind for years to come.

There are many backyard additions that you can consider to make your outdoor living space more fun and inviting. From an outdoor kitchen to a hot tub, these additions will bring joy and comfort to the entire family throughout late summer and early fall. Take some time to research what works best for your backyard, budget, climate, and lifestyle before making a decision.

Get more tips on RISMedia.

Related Links

If there is a home that you would like more information about, if you are considering selling a property, or if you have questions about the housing market in your neighborhood, please reach out. We’re here to help.

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