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CONTENTS
Message From GAR
Departments 4
Message from the President
Market Report Value Corner
8
Feature
10
Murky Real Estate Market
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On the Cover Pia Marine: Boutique of Condos November 2012 • Vol. 5 • No. 11
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Profile Yumiko Blaisus Real Estate Fate!
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How to D.I.Y. How to Unclog a Toilet Without Calling a Plumber
19
Home Finance Refinancing
20
How to D.I.Y. Bathtub Faucet Repair Tips and Techniques
P.O. Box 24881 Barrigada, GU 96921 Tel: (671) 472-3495 | Fax: (671) 472-3498 email: office@yellowpagesink.com
|Publisher| |Business Sales Manager| Jay-R S. Dominguez
|Display Advertising| Darrell T. Pereda Doris Pangelinan John Mendiola Emily Untalan
|Traffic/Circulation Manager| Josie Redmond
|Production Manager| Mark S. Burke
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From the Experts 5 Tips to Get You Sold!
24
Curb Appeal Secure Your Home and Valuables with CostSaving Measures
25
Who Ya Gonna Call?
26
Classifieds
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Closing Guam Association of REALTORS® Workforce Housing Expo
|Graphics & Layout| Mark S. Burke Edwin E. Valencia
|Editorial Contributors| Faye Varias Creative Services Ryan De Guzman Elizabeth Duenas Calvin Hernandez Siska S. Hutapea Peggy Araullo Llagas Bryan Stevens Bryan J.C. Sualog Arlene Taitague Taitingfong
By Elizabeth C. Duenas e-pro®, CRS®, CIAS®, REALTOR® Associate Broker RE/MAX Diamond Realty
Hafa Adai! The Home Buyer's Expo that was held at the Micronesia Mall Center Court on the 27th of October. The event attracted people through-out the day visiting different display booths that offered information and free gifts. Speakers from the different lending institutions spoke about the different loan types, about documentation required for loans and how low the current interest rates are now for first time homebuyers. Government representatives from Guam Housing Corporation and USDA provided information on the types of assistance they offer through their loan programs. Other speakers touched on topics - Why use a REALTOR® - Fair Housing - Why Rent when you can Own - Assistance Programs for Closing Costs - Home Appraisal, Inspection, Survey - Title and home insurance - Affordable Housing Projects If YOU were not able to make the event you can always contact a REALTOR® to obtain information on HOW to BUY your first home or to buy your second home for your growing family. The event was brought to you by the Guam Association of REALTORS®. Si Yu'os Maase..... GUAM ASSOCIATION OF REALTORS®
Cover Photo: Makoto Yamanoi CasaGuam is Published by:
The Voice for Real Estate on Guam Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Office: (671) 477-4271 • Fax: (671) 477-4275
CasaGuam Advertising Disclaimer All Advertisers agree to hold the publisher harmless and indemnify it against any and all claims, losses, liabilities, damages, costs and expenses (including attorney’s fees) made against or incurred by the publisher, officers or employees with respect to, or arising out of, the content, text, graphics or representations of any ad published herein, including but not limited to the sole negligence and/or fault of the publisher. The publisher is not liable for any claims, losses or damages of any kind, arising from the wording, text, graphics or representations of any ad published herein, or the condition of the articles sold through the publication, or performance of services advertised in this publication. All advertising and/or performance of services advertising and/or submissions become wholly the property of CasaGuam Magazine. CasaGuam Magazine is a registered trademark of PTI Pacifica Inc. Copyright © 2008. All rights reserved. Reproduction in whole or in part in any form without the express written consent of the publisher is prohibited. We reserve the right to edit or refuse any ad and to reprint any photo for promotional use.
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Market Repor t
Value Corner
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Value Corner
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Feature
They’ve gone from beacons of hope and prosperity to a sad reminder of the hard times that not just the real estate industry is facing but the entire island. Multi-million dollar housing developments and high rises that were once bustling with construction now sit silent, untouched and unfinished.
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Feature
Murky Real Estate Market: Good Time to Buy By Bryan J.C. Sualog
The market has changed tremendously, says Chris Felix, principal broker for Century 12 Realty Management. “From 2004 through 2008 we were in a boom situation because of the military buildup but with the slowdown, delays and the question of whether or not the buildup will happen at all people who were investing in Guam have pulled out and people who were looking to invest in Guam decided not to,” he says.
quarter. Although the market has seen a slight increase, Hutapea doesn’t expect any significant increases in the near future.
Investors were excited at the expected revenue the buildup was expected to bring in. “Looking back, they did rush into invest,” Felix says he was also guilty of this but would do it again. “It was the right thing to do. We were told over and over again by the federal government, by everyone, that the buildup and relocation was going to happen. It was the right thing to do at the time. It’s a part of the risk.”
Felix says is hopeful that the market will turn around within that time period as well. “I think the market is going to turn. I really do. Sen. Webb is in favor of the buildup and he was one of the people who killed the buildup. Now Webb has reevaluated things and said it is a good thing. … I’ve started buying again.”
“Looking back I wish I didn’t buy as much as I did,” Felix says. “It was just a factor of risk. I would do it again.” The military buildup was to relocate thousands of Marines from Okinawa to Guam and was expected to pump millions of dollars into Guam’s economy. However in January, President Barack Obama signed the National Defense Authorization Act, which capped defense authorization $662 putting 2012 military buildup projects on hold. Then in April Felix says the real estate market has seen a 15 to 20 percent drop in residential values and a drop of about 30 percent with condos. “When the demand goes down, they supply goes up and values go down.” Since 2007 the total number of money spent in real estate transactions has gone down by more than half, says Siska S. Hutapea, president of Cornerstone Valuation Guam, Inc. In 2007 there were 1,763 transactions involving $684 million. In 2010 and 2011 that number was in the low $300 million range. Based off the first three quarters of 2012, there have been about $340 to $360 million in transactions so far. Hutapea says there has been a slight increase in the number of transactions throughout 2012. In the first quarter there were 229 transactions. In the second quarter there were 258 transactions and 281 transactions this third
“There have been slight increases throughout the year but I don’t expect activity to jump significantly until the end of next year or within the next two to three years,” she says.
Felix is referencing Sen. Jim Webb, a Democrat from Virginia. In the past he has criticized the buildup plan but at a recent conference in Washington D.C. with the governor of Okinawa, he supported the buildup questioning why it was taking so long. Both buyers and sellers are holding off on making any transactions right now, says Hutapea. “The sellers are holding off on selling because they know prices will get better. Buyers are holding because even though interest rates are at three percent lending is a lot stricter so many people don’t qualify.” Interest rates are the lowest it’s been for nearly 60 to 70 years and will probably never be this low again but Felix cautions prospective investors. “Do you have the money to invest? Don’t go and blow your savings. That’s too high a risk. I believe you need you need to have a six to eight month reserve in the bank.” However if you have the money, Hutapea and Felix both say it is a buyers’ market right now. Hutapea says it’s a great time to buy right now with the median price of houses at $201,500. “You just need to know what yourmarket is. It’s a good time for owner-occupants to buy existing homes because construction costs are high. You can enjoy the benefits of the existing house.” Investors are able to purchase projects that have stalled around the island for a fraction of what was initially invested.
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On The Cover
Pia Marine: Boutique of Condos
P
ia Marine in Upper Tumon and Pia Resort in Tumon are both conveniently located, overlooking Tumon Bay! There are large executive studios, renovated two and three bedroom units, available completely furnished or unfurnished. Some wonderful common area amenities include: pool, backup generator, work out room, mail delivery, large balconies, security guard, on site restaurant, lobby, playground, BBQ area, tennis courts, and so much more!!
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Profile
Real Estate Fate! By Bryan J.C. Sualog
S
“
Yumiko Blaisus REALTOR®, TODAY’S REALTY
Education:
Studied English Literature at Seinan Jogakuhn College, Tokyo, Japan
Family:
Michael Blaisus, husband
Casa Guam Magazine is so helpful in keeping a sharp eye . It’s an appealing publication that helps people find property, homes and the right REALTORS® to work with. Thanks to Casa Guam for this interview and for all they do to promote the real estate business on Guam!
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Some people know exactly what career they want while others seem to just luckily fall into it. That’s what happened to Yumiko Blaisus, REALTOR® at Today’s Realty. “I first became interested in a career in real estate when we were purchasing our second home a few years ago. My husband was working off island at the time and I was compelled to handle most of the details of the transaction myself,” she said. After working closely with her Realtor and observing what the job entailed, her Realtor told her that she might have a future in the real estate industry. Blaisus has been a Realtor for seven years now. “I truly love the fast pace and service-oriented work atmosphere of our company,” she said. … I love working with all different kinds of people and making sure to meet their individual needs.” It’s difficult matching the right property with the right client but Blaisus always rises to the challenge. “Some want to sell their land or high-end family housing. Some are looking to lease a smaller apartment in which to stay while working a temporary job or contract on Guam. No matter what the client is looking for, you have to keep in mind not just your own listing, but those of your fellow Realtors so that you can all work together towards having everyone satisfied at closing. It’s a tall order, but one I find most satisfying.” Prior to her career as a realtor, Blaisus worked as flight attendant for Japan Airlines. She was with the company for 13 years. “It allowed me to travel the world, experience many different cultures and left me well prepared for future job positions that would require strong public service skills, especially in multi-lingual settings such as the ones we have on Guam.” When Blaisus isn’t busy trying to meet the needs of her clients, she and her husband like enjoy spending time with their cat and two dogs or going hiking swimming or diving. Blaisus is fortunate enough to be have a career she is passionate about and she doesn’t plan on slowing down any time soon. My future plans are to stay with Today’s Realty and I want to be one of the island’s top producers. “A real estate career must be built one step at a time and you can’t expect to be making million-dollar deals until you’ve been around for a while,” she said. “ Blaisus was able to switch careers and become very successful so for those looking to follow in her footsteps she has this one piece of advice – her personal motto – “’Keep your antennae up!’ That is, always be on the lookout for potential customers. Always have in mind what is on the market. What is the price range and how might the property fit a client’s needs?”
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H o w To D . I . Y.
How to Unclog a Toilet Without Calling a Plumber oilets are one of the things those of us in modern society tend to take for granted, until they don't work. Since most of us have eliminated the outhouse as an option (no pun intended), when our toilets don't work things can get ugly in a hurry. The good news is that unclogging a clogged toilet is something anyone can learn to do.
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There are a lot of different shapes and styles of toilets but, with a few exceptions, they all work about the same. Water is released from the tank (many commercial toilets use a special valve instead of a tank) into the bowl to flush the waste into your drainage piping. Basically pretty simple, right? The two main problems that happen with toilets are the toilet running (the water not shutting off after flushing) and the toilet bowl plugged (not draining or stopped up). While a running toilet wastes water and can be annoying, if you have a toilet bowl plugged it's a little more urgent. On a scale of 1 to 10, maybe a 12! In fact, one Google search term study calls most people's #1 plumbing problem a plugged toilet. Anyone can learn how to unclog a toilet. It just takes a little patience and the right tools. The first thing you need to fix a plugged toilet is a toilet plunger. These are a little different from a sink plunger, which looks like a rubber bowl on a stick. A toilet plunger is designed specifically to direct the force into the waste outlet of the plugged toilet bowl. The business end of a toilet plunger looks sort of like a ball with an opening to fit into the waste outlet of the toilet. One type that is very effective has an accordion like design and is all plastic, including the handle. The way a toilet plunger works is by filling up with water and then pushing that water through the stopped up drain. When unclogging a clogged toilet, the idea is to plunge up and down a couple of times so the plunger fills with water and then jam the open end, sometimes called a force cone, into the waste outlet in the plugged toilet and start plunging. You may have to pump the plunger up and down several times to clear the blockage. When you are learning how to unclog a toilet you may need to be fairly aggressive with the plunger. The key is to force the water in the plunger through the waste outlet of the toilet, dislodging the 18 CasaGuam November 2012
By Bryan Stevens
blockage in the process. If you don't splash a little out of the bowl you probably aren't plunging hard enough. Ever wonder why plumbers charge so much? This will usually be all you need to do to fix a plugged toilet. Sometimes, however, a plunger just won't do the trick. If you've plunged a while with no success you might need to try another approach. It's time to pull out the closet auger. A closet auger is a special tool that can be used to clear an especially stubborn plugged toilet. A closet auger has a short drain cable, or snake, inside a metal tube that is bent on the end to aim the cable into the waste outlet of a toilet bowl. The cable is just long enough to get through the toilet and is connected to a handle the same length. You can get one of these at your local hardware store for as little as $10. The way to use a closet auger is to pull the handle all the way out, insert the business end into the outlet of the toilet bowl that's plugged and crank it down into the bowl, making sure the cable goes into the drain. When the bowl drains, flush the toilet while you're pulling the cable back to help clean the cable. It's a good idea to flush some toilet paper through a couple of times before you put your auger away just to be sure. With the growing focus on water conservation more and more communities are requiring toilets that use less water per flush. In spite of the best efforts of the toilet manufacturers to increase performance, this is likely to continue to make our most common plumbing problem a plugged toilet. So you might as well go ahead now and learn how to unclog a toilet yourself. You'll be glad you did. About the Author Bryan Stevens is a Licensed Master Plumber with a knack for teaching homeowners how to do their own basic plumbing repairs themselves. He has an amazing minicourse called "How To Unclog A Toilet And Other DIY Plumbing Tips". Article source: http://www.articlesbase.com/diy-articles/how-to-unclog-a-toilet-without-calling-a-plumber-417759.html
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Home Finance
Refinancing By Calvin Hernandez ow mortgage interest rates may present an opportunity for you to save money and help manage your finances. Before refinancing your mortgage, you must carefully weigh your options and look at your overall financial status to see if it is a feasible option.
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For clarification, having an existing mortgage loan does not necessarily mean you could immediately qualify for refinancing. Your financial situation may have changed from the time you purchased the home to now. For example, increased debt, decreased income, or a lower credit score may adversely impact your qualification. The typical refinancing programs are a straight refinance and a cash-out refinance. A straight refinance is the most common where you pay off your existing mortgage and open a new mortgage with new rates and payment terms. A cash-out refinance leverages the equity in the home and allows the homeowner to take some of the cash out and use it for other purposes such as consolidating bills or funding a home renovation, college tuition, wedding, or christening party. For people with a VA loan, the VA has a streamline rate term refinance program called Interest Rate Reduction Refinance Loan (IRRRL) may allow veterans to refinance without the requiring an appraisal. Advantages of refinancing include: • saving money by lowering your monthly payment • lowering overall interest payments • shortening the loan terms • Consolidating higher interest debt. In some cases, refinancing to a new 30-year mortgage combined with lower interests may spread the cost of the loan over a longer period thereby allowing some breathing room to pay off your existing bills. Some considerations when refinancing include taking into account the closing costs. These costs can include title fees, insurance premium changes, loan origination fees, discount points, appraisal fees, and pre-payment penalties on your existing mortgage. There are also risks to consider when transferring your unsecured debt such as a credit card or personal loan balance to a secured loan in which the collateral is your home. If you fail to pay, then you face the possibility of foreclosure. If you are considering selling your home in the near future, then refinancing may not be the right option as the additional cost of refinancing may reduce the profits from the sale. But if you have no plans to sell in the near term, the cost of refinancing can certainly be offset by the increased savings from the lower interest rates. Your lender can help you decide. If you decide to refinance, the process is similar to purchasing a home. Here are some tips to get you started. • Talk to your lender and provide your current mortgage terms and current balance • Lenders can calculate cost and savings • Make sure you get your documents ready. Check stubs covering a 30-day period and two years filed tax returns with W-2s provide proof of income. Obtain a copy of your hazard insurance policy and gather monthly payments and balances of your credit cards, auto, student and personal loans. Make sure to avoid incurring new debts such as in-store credit cards, pre-approved credit cards, or purchasing a new car. If you are thinking of applying for refinance, avoid changing jobs as lenders typically look at 2 years work experience to look at stability of income. Changing job status to retirement or occupational field may reduce lenders confidence with your job stability or capability in maintaining the new and untested position. If refinancing is something you’re considering, contact your lender to discuss suitable options. With interest rates at historic lows, this is a good time to ask the question. CasaGuam.com 19
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H o w To D . I . Y.
Bathtub Faucet Repair Tips and Techniques id you know that you can fix a leaking shower faucet and save hundreds of gallons of water in one year? Most people just think of a dripping faucet as an annoyance and don't realize how much precious water is being wasted one drop at a time. The good news is that almost anyone with a few basic tools can learn how to fix most dripping faucets.
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Let's start with the basics. Faucets have one primary purpose, to allow the water in your pipes to be used in a controlled manner. This means that they have to open to allow water out of the pipes and close to keep water in the pipes. Not rocket science, right? The closing part is what we want to concentrate on here. There Are Two Basic Faucet Designs Faucets drip when they fail to completely trap the water in the pipes. Most faucets use one of two basic methods to stop the water flow. Some, primarily older designs, use rubber or neoprene washers which tighten against a "seat" and block the flow of water. Drips from these faucets are addressed by replacing the washers and/or seats. We'll talk about how to do that in a minute. Most other faucet designs involve some sort of cartridge. Some people call these "washerless" faucets. Repairing newer style water faucets like these usually involves replacing the cartridge(s). Washers And Seats Older faucet designs often use washers to block the water and keep it in the pipes. Tightening the handle compresses the washer against a "seat" and seals the opening, thus stopping the water flow. If you need to do a bathtub faucet repair on a three< handle wall faucet you probably have this type. You will also run into this style if you need to fix a leaking shower faucet that has two handles. Many sink and lavatory faucets also use washers. One way to tell whether or not your faucets use washers is to see if the handle gets harder to turn as you turn it off. If turning it really tight stops the drip, this probably, but not always, means that you have washers. If you do have a dripping faucet that has washers, the basic repair process is very similar whether you need to know how to repair a shower faucet,repair a leaking tub faucet or fix a dripping sink faucet. There is, however, one important difference. Bathtub Faucet Repair The one critical thing to remember when fixing a leaky bathtub faucet is that you will have to turn the water off to the entire house before removing any parts other than the outer trim pieces. If you're not sure which pieces are trim, just turn the water off first just in case. Once you have turned off the main water to the house you can begin taking things apart. There are lots of different brands and designs of faucets out there and they all come apart a little differently, so you will have to sort of feel your way through. 20 CasaGuam November 2012
By Bryan Stevens
Removing The Trim The first step is to remove the handles. This is usually done by removing a cap to expose the handle screw and then removing the screw. Next, remove the handle. This may require a little finesse, as the handles sometimes get stuck in place. One trick is to place the handles of a pair of channel lock pliers behind the valve handle, one on each side, and tap evenly on the handle to nudge it loose. If this doesn't work you can buy a special tool to remove handles but these tools are sometimes hard to find and usually a little patience is all you need to do the trick. After he handles are off, there is usually some sort of sleeve over the stem itself. This typically has to come off too. Once again, there are many different configurations. One popular design uses threaded plastic tubes to connect the trim sleeve with the valve. Other types have the sleeve threaded directly onto the valve. You will have to figure this step out before you can proceed. If you can determine what brand valve you have there is a good chance of finding instructions on-line. Now For The Root Of The Problem Ok, so you have removed both the handles and any remaining trim sleeve from the valve. Now you are ready to get to the root of the problem, your valve stem. The washer is almost always at the other end of the valve stem from the handle. Usually the stem is threaded into the valve body and you will just need to unscrew it to remove it. Here's a tip. Stick the handle back on for a second and open the valve half way. This relieves pressure on the stem and makes it easier to unscrew.
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nuts don't put the trim back on until you have turned the water back on. Once the water is on, go ahead and stick the handle on for a second and open the valve. Make sure no water is leaking around the stem. If it is leaking, with the handle opened half way, snug down the packing nut until the leak stops. Easy does it. If you get it too tight the handle will be hard to turn. Now finish installing the trim pieces and you are done.
Now you just need to make sure you are loosening the correct nut. Lots of valves have a packing nut around the stem. It is usually a little smaller and just in front of the actual connection with the valve body. The packing nut's purpose is to squeeze some special packing material around the stem to prevent water from leaking around the stem when the valve is in use. Loosening the packing nut won't help you, you need to get your wrench on the actual connection to the valve body. By the way, a deep socket is often the only tool that will work to remove the valve stem. Removing The Valve Stem The easiest way to make sure you have the correct nut is to see if there is a gap opening up between the nut and the valve body as you loosen the nut. The valve stem itself will also usually turn when you have the right one. If you have loosened the packing nut by mistake, don't worry, you will adjust it before you are finished anyway. Go ahead and remove both stems and keep up with which one is which, it matters on many valves. After you have the stems out you should be able to find the washer on the "inside" end. If it is nicked, torn or brittle it is likely the cause of your drip. Even if it looks brand new, go ahead and replace it. You've already come this far. You can get replacement washers at almost any hardware store. Sometimes you may want to replace the whole stem, especially if the handle end is stripped out. It's best to just take the stem with you to the store and see if you can match it up. Most Do It Yourself stores have replacement stems for many popular brands. If your valve has a center diverter valve to switch the water from the tub spout to the shower head the same process applies. Many times it is easier to replace the diverter stem than to repair it. This really depends on the design of the stem. How Are Your Seats? One more thing to check is the seats. These are the part of the valve body that the washer tightens up against to stop the water flow. If you can get your finger inside the valve, feel of the seats and see if they feel rough. If so, it would be best to replace them if you can get them out. The inside of the seats, which is where the water flows through when the valve is open, usually have either a hex or square recess. Special seat wrenches are used to remove the seats. You can usually get these wrenches at the same place you get the other parts and they're not expensive. You just stick the wrench through the seat and unscrew it. The replacement seats screw back in the same way, just put a little pipe dope on the threads before you install it.
Repairing Newer Style Water Faucets If you have a newer, "washerless" type valve the repair process is similar, but usually easier. Many of these type valves use a self contained cartridge. If the valve starts to drip, just replace the cartridge and you're done. You still need to turn the water off and remove the handles and trim. The cartridge is usually held in place by a retaining nut on the valve body or, in the case of most Moen valves, by a retaining clip. Simply remove the cartridge and put another one in it's place. If your hot and cold are backwards when you finish, turn the water back off, pull the cartridge back out, turn it over 180 degrees and re- install it. Delta Style Valves One other common design that is considered "washerless" was made famous by Delta and copied by several other makers. It uses little "cup" seals that fit over springs recessed in the back of the valve body. The springs press these "seals" against the cartridge and regulate the flow through little tapered openings in the cartridge. If you have one of these and it's dripping, changing these springs and seals will usually correct it. Here's a tip. Once you have the cartridge out of the way, insert a phillips screwdriver into the seal and pop both the seal and spring out. Stick the new ones on the end of the screwdriver to help guide them into place. This is especially helpful if you don't have long slender fingers. Delta, and a few imitators, also have a faucet design that uses a ball instead of a cartridge. This is not as common in tub or shower valves but there are plenty of them out there. The springs and seals are the same but there are lots more o-rings and parts to deal with. The good news is that these parts are readily available. While it's a little more complicated than learning how to repair a Moen kitchen faucet, which is a piece of cake, it is still easier than working with most washer type faucets. These Techniques Work In The Kitchen Too Armed with the knowledge you've gained in this article you now not only know how to repair a shower faucet and to repair a leaking tub faucet, but you can apply these skills to many other faucets as well. After fixing a leaky bathtub faucet, stopping a dripping outside hose faucet will be a breeze. The techniques that you will use to complete a "washerless" bathtub faucet repair can be used when repairing newer style water faucets of all kinds. Whether you have an old dripping tub faucet or a newer kitchen faucet that just won't quite shut off you can now fix it. So put these new skills to use, roll up your sleeves and stop that drip!
About the Author Bryan Stevens is a Licensed Master Plumber with a knack for teaching homeowners how to do their own basic plumbing repairs themselves. He has an amazing minicourse called "How To Unclog A Toilet And Other DIY Plumbing Tips".
Put It All Back Together Once you've figured out what needs to be replaced and have done that, you just need to put everything back together. If your valve has packing
Article source: http://www.articlesbase.com/diy-articles/bathtub-faucet-repair-tips-and-techniques-449701.html
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From the Experts
5 TIPS TO GET YOU SOLD! By Ryan De Guzman
D
o you want to sell your home in today’s local real estate market? Well, this article is just for those that do. Even in a challenging and unpredictable economy there are some fundamentals you should know about selling your home that really haven’t changed. These methods have been tried and tested over the years with tremendous success. Here are 5 tips to get you sold, but not necessarily in this order and not at all exhaustive. Number 1. Find yourself an exceptional Broker/Agent, unless you have one already in mind. You need a Real Estate professional you can truly trust, one who is motivated to sell your home, one with adequate knowledge of the local market and one with hands on experience. Availability is also important too to answer your questions, concerns and one who can really embrace your objective as their very own. The Guam Association of Realtors is 414 (2011) members strong. Members of GAR are also members of NAR, the National Association of Realtors, who are 1,009,940 (2011) members strong and North Americas' largest professional trade organization. REALTORS® adhere to a strict Code of Ethics and must also complete a reasonable amount of continuing education credits/annual training, in order to receive, renew and/or maintain their business license. This ensures they are always up to date on all the latest trends, rules and regulations to sufficiently satisfy your real estate needs. You can visit: www.guamrealtors.com for a complete listing of local Brokers and Agents today. Before putting your home on the market for sale it is extremely important that you, Number 2. Determine a reasonable market value. Some Sellers like to shoot straight for the stars and right fully so. Every Seller I know wants to get the best price, as soon as possible and with the least amount of inconvenience. Realistically speaking you can only get as much as what a Buyer is willing to pay in cash or what the Bank is willing to lend in order to make the purchase possible. Get an Appraisal done by a local licensed professional, if you can, to determine the property value. Appraisers
22 CasaGuam November 2012
Assoc. Broker/ Realtor®
charge about $585 or less for a private report on a single family dwelling home with less than 2,000 square feet of living area and can be completed within 10 working days (Robert & Robert and Pacific Island Appraisals). Another feasible option is to have your Broker Agent give you a CMA (Comparative Marketing Analysis) or BPO (Brokers Price Opinion) using comparables directly found on the MLS (Multiple Listing Service). Starting with a reasonable and realistic list price allows your home the best opportunity of selling as opposed to other homes that are overpriced and end up sitting on the market for far too long. Number 3. List your home on the MLS (Multiple Listing Service). Much of the islands’ available inventory along with detailed information can be found in one data base right on the MLS. Due to advanced technology more and more Buyers are surfing and shopping the Internet and going online for goods. The search ranges from common household goods, to designer clothing, to automobiles and yes even to real estate investment, raw land and homes. Convenience seems to be the key because we live in a busy society where every second counts; time is a luxury we cannot afford to waste. List your property on the Multiple Listing Service. There are over 400 Guam Realtors® who have access to this dynamic resource, not to mention the hundreds of prospective Buyers already out there surfing and navigating through our websites right now! Number 4. Get maximum exposure by advertising your home in CASA Guam, the best local real estate magazine available; use newspapers, multi-media, social networking sites, decorate your home, stage it and do an Open House, distribute flyers, exercise word of mouth, and arguably the best technique of all is simply put up a yard sign. If it’s for sale people need to know about it. Some methods may work more effectively than others, depending on your situation, but using multiple methods or a combination thereof simultaneously can only get you sold sooner than later. Number 5. Lastly, offer incentives. Help them with credit back at the close of escrow if
you can. Get creative. Most Buyers do not have enough money saved up to handle the closing costs (Down payment, appraisal, escrow fee, title insurance, etc,), even if they can manage the monthly mortgage payments and qualify for a 100% financing program, RD (Rural Development) or VA (Veterans Administration). They may get pre-qualified or better, pre-approved for a decent amount, but always with strict terms and conditions attached, excellent credit, stated income enough to make the mortgage payments and money in the bank to actually close the transaction. Provide the basic appliances or offer a credit back so your Buyer will not have to spend again on top of the closing costs. These out of pocket expenses add up quick, not including utility transfers, cable, telephone, Internet connections and trash collection, every penny counts. Utilize these 5 helpful tips and get your home sold. I guarantee they work. They have for me: 1) Select a REALTOR® to help you! 2) Determine the fair market value before you list your home for sale. 3) Get it on MLS asap. <None> 4) Maximum Exposure through all advertising avenues, at the very least put up a yard sign. 5) Offer Buyer incentive to help out with out of pocket expenses because it can actually close the deal. Please e-mail: rjdguzman@hotmail.com or call 797-2721 for a free consultation!
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Curb Appeal
Secure Your Home and Valuables with Cost-Saving Measures
By Arlene Taitague Taitingfong
long, long time ago, and many years past, we used to be able to leave our doors unlocked while we worked outside in the yard or took a nap inside on the couch. Our valuables like keys and purses were in plain sight if one passed our windows. We used to leave our windows open so that we could capture that wondrous air flow and have it circulate throughout our homes without the fear of intrusion. It was a time when children played outside or at each other’s houses, camped out in their sleeping bags on the beach or in their backyard under the stars. There was no sense of danger if they played outside until dusk. All was safe within the village radius. Burglars, rapists, vandals and the like, were people who we thought would never reside in Never-Ever-Here land.
A
Security. It means a lot to many. Times have changed and our island is changing with it. People from all walks of life pass through or reside in our once quiet and simple island. It seems recently, rash of crimes have been sweeping our island. We find that we have to be observant of our surroundings, mindful of where the kids are and be not forgetful of locking our doors and windows of cars and homes. Security. Is it affordable? If you can’t afford a full out security system, here are a few ideas that are inexpensive and simple. Kick proof your doors. Many burglars kick in doors to get in. But unless your door is hollow, the door is not what's allowing burglars easy entry. Consumer Reports tested solid-wood, fiberglass, and steel doors with increasingly hard blows from a battering ram and found little difference among the door materials. All eventually failed because the doorjamb split near the lock's strike plate. You can strengthen any exterior door by using a 1-inch-long deadbolt lock and a reinforced metal box strike. The latter cost about $10. Use 3-inch-long screws to mount them so they lodge in the framing beyond the doorjamb. And don't overlook the door that leads into your house from the garage or carport. Choose the right locks. About two- thirds of the keyed door locks tested, managed to withstand a kick-in test; others needed a reinforced strike plate. Consumer Reports found that the brands, Weslock 671 ($45e) and Emteck Low Profile 8455 ($36e) were ranked Best Buys among keyed locks. Highsecurity locks from Medeco, which cost about $175, also resisted drilling and picking. Remember to use a pull-apart key chain so your home keys stay with you when your car is valet-parked or serviced. Secure glass areas. Security or safety window film can resist blows of up 400 foot-pounds, (oooo, sounds like this can double as a typhoon proof tip) according to manufacturer claims. 3M's 28-ply Ultra Safety and Security Clear Window Film costs $7 to $9 per square foot or about $105 to $135 for a 3x5-foot window. It should be installed by a pro, which will add to the cost. Beef up existing window locks by inserting removable eyebolts in holes drilled into the sash where they overlap, or by adding locking scissor gates or fixed metal grilles. Finally, secure window air conditioners with sturdy screws through wood or metal framing elements so burglars can't push them in. In 24 CasaGuam November 2012
all cases, check that added barriers won't violate fire-safety codes or manufacturer warranties. Keep it bright. Illuminate areas around doors, windows, and blind spots. Install lights high upon exterior walls so they can't easily be disabled. Tests have found that solar-powered lights are too dim to provide enough light for security. But easy-to-install, low-voltage light systems and pro-installed, 120-volt lights can be connected to motion detectors and whole-house security systems. Compact fluorescent lightbulbs made for outdoor use saved energy and outlasted regular bulbs in our tests, so you won't have to change them as often. But they take longer to reach full brightness and they don't all work with motion- or light-activated fixtures, so read the package. Landscape wisely. Tall foundation plants or high fences can provide cover for criminals. Trim tree branches that might provide access to windows, roof, or skylights. Gravel beds around the house make it easier to hear anyone lurking outside. Man’s Best Friend. Most dogs bark when there is a disturbance or noise. They are able to sense when someone drives up or approaches your house. Try to identify their bark and differentiate if the bark identifies a family member coming home or if it’s a stranger visiting or worst yet – an intruder! Whether your dog is big or small, they all have a keen sense. It’s the most inexpensive alarm you can have – unless you have a mastiff (they eat a lot)! Remember, we are in charge of our own castle - no matter if it is a studio apartment or a mansion on the hill. Let’s take the initiative to make better arrangements in keeping our family and home safe. Check out next month’s issue. I will cover security systems. Until then. . . keep safe Guam.
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W h o Ya G o n n a C a l l ?
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Classifieds Commercial Rentals
Dededo
Dededo
Moving Soon? Nice 4 bedroom, 2 bath, gated carport, porch in front, A/C, great location, near Marine Corps Dr. Feel at home, Call 637-0222 today!
106 East Sta. Barbara, Dededo 4bed/1 ba corner house, fenced, and gated. Centrally located close to church, school and malls. Asking $1,200/month. Call MYRNA @ 488-0144
Ordot-Chalan Pago Commercial space for rent. Approx 2155 sq ft. Ideal for laundromat, bakeshop, video store or retail business. Asking $2,500/mo. Please call ANGIE @ 727-2228 Commercial space for rent. Approx 850 sq ft., video store or retail business. Asking $850/mo. Please call ANGIE @ 727-2228
Houses â&#x20AC;&#x201C; 4bd/3ba, 2 car garage, appliances, central a/c, secured entry, gated community & 3bd Ypaopao Estates home, carport, renovated, $1300/mo 482-6252/777-3728 MLS 12-2432 Houses - 3bd/2ba, carport, a/c, appliances, $1300/mo & Paradise Estates home 3bd/2ba, 2 car garage, appliances, central a/c, secured entry, gated comm, 482-6252/777-3728 MLS 12-1255 3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 727-6456
Tumon Fountain Plaza for Rent: Finally prime commercial space in the much desired Fountain Plaza. Own your very own business amongst the likes of many long time established busibesses already patroning this plaza. Where can you go wrong, San Vitores road frontage with ample space, there are no lossers and YOU are the winner. Asking $2,700/mo. Please call DANIEL @ 687-5422
Residential Rentals Agat 3 bedroom / 2 ba house, close to schools, stores, beach and church. Asking $1250.00. Call 649-8265 or 888-7447
Dededo Villa Rosario - Spacious 3BR/2BA W/D, Pool, Security, Mailbox $1,650.00
Call Nick @ 689-2939. Tecio Tumon Villa: Nice two bedroom two bath condo located in Tumon. Condo is just a walking distance to the beach, stores, restaurants and nightlife. Asking $2,100/month. Call VIC @483-7518 Tumon 2bd / 2 ba + Den. excellent condition. Asking $1200. Please call 637-7165 / 688-0887 / 689-3333 / 477-7042 Tumon Penthouse for Lease: A Rare Penthouse, Oceanview unit is now available. This large 2 bedroom 2.5 bath Condo was upgraded and is in like new condition. Security, Full Back-up Generator, Pool, 2 parking all go along with your desire for the ''good life'' while on Guam. Water included. You CAN have the dream. Asking $3,800/month. Call DEANNA @ 688-2855 MLS 10-744 San Vitores Terrace Condo: 3bd/2ba, 3rd floor unit with oceanview, upgraded unit with new carpets, pool, security and basic cable TV. $1800. Call Coral Sea Realty 649-6088
Summer Palace Estates Located close to Cost-U-Less in Harmon 4Bd/2.5Ba 2100 Sq. Ft. Home located in a secured gated community with swimming pool, tennis court, and playground. New granite countertop and tile floor throughout with typhoon shutters. $440,000.00 Please call 777-0951 3bd/2ba townhouse, 2 story, central a/c, typhoon shutters, excellent cond. $195K BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 11-4372 Houses - 3bd/1.5ba, carport, renovated, appliances, & a/c Asking $195K & 3bd/2ba, huge yard, Asking $179K BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 12-2579 Paradise Estate Home - 3bd/2ba, 2 car garage, appliances, central a/c,
3Bd/2Bd/1Bd located near schools/church/store and front of park Semi-Furn. Sec.8 & Military OK. Pls. leave message at 632-1200
Mangilao Nice house on a cul-de-sac street in Latte Hts. 4 bedrooms, 2 baths with all ceramic tiles and split a/c units per room. Newer kitchen counters and appliances. Fenced back yard. Has always been leased to military personnel for their tour on Guam. Asking $2,100 / month. Call DEANNA @ 688-2855
Tamuning
Yigo
typhoon shutters, secured entry, gated community, Asking $274,900
Executive 2-story house with a great view, fully fenced and a quiet area. 5bd/3ba w/ 2 huge balconies. SS appliances, wash/dry, 2-car garage. Huge storage shed, a must see, Military OK! $3500/mo. Call Joe @ 483-3333!
482-6252/777-3728 MLS 12-2026
Mangilao Latte Heights House with 3 br / 2 ba, ideal
Perez Acres: 4 bedroom, 2 bath with pool & playground. Corner unit. Asking $1,900/month. Call SANDY @ 687-6006
location w/ carport, fully fenced, gated, spacious yard w/ patio. Asking $200K. Please call ANGIE @ 727-2228
Perez Acres: 3 bedroom / 1.5 ba townhouse with extra room great for family room or office, gated and secured community, pool, mail delivery. Asking $1900 . Call CORAL SEA REALTY 649-6088
Mongmong-Toto-Maite Exceptional 3bd and 3.5 ba home Enjoy the view, separate refrigeration and stove
Asan Asan Beach House Newly Renovated, Fresh paint and ceramic tiles. Asking: $2,200.00/mo. Call FRANK @ 479-4663 Asan 3bd./2ba. Ocean Views Newly Renovated - All ceramic tiles. New a/c's. Asking: $1,900.00/mo. Call FRANK @ 479-4663
Barrigada 2b/1b, near Subway with water $830/mo. Please call 637-7165 / 688-0887 / 689-3333 26 CasaGuam November 2012
Beverly Palms: 3bd/2ba, 2 story condo unit, w/pool, semi-furnished, appliances, high ceilings, & nice open floor plan BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 MLS 12-2250 Condo units - 3bd/1ba, renovated, $1100/mo & 3bd/2ba excellent cond. $1700/mo BUY SELL or RENT www.GUAMLISTINGS.com 482-6252/777-3728 â&#x20AC;˘ MLS 12-509 & 12-523
Residential Sales Barrigada
for the person who enjoys cooking, the pool and the great central location. Asking $630k Call JUDY @482-7775
Barrigada Large 4BR/2Ba 1800sqft. House Only 243,000 637-7165 / 688-0887 / 689-7900
Ordot-Chalan Pago
3BD 2BA home with a spacious living room, wood laminated floors, landscaped garden, and more! Asking only $255K Call MAJUNI @ 689-2583
bedroom 3 bath house on a 1/2 acre lot.
Quiet, Private, and centrally located 4 this would be great if you enjoy your privacy and appreciate being close to shop-
Popular Pia Marine 2 bedroom 2 bath units available for Month to Month Rentals. Utilities/Furnitures included with cleaning services. $2400.00.
Dededo
ping malls, grocery stores, and schools. Asking $315,000. Call JOYLYN @
For Sale By Owner
488-5069 for a showing. MLS 10-2077.
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Classifieds Apusento Gardens Condo : Great price with seller financing. Just like you pay monthly rental, without bank fees. Downpayment is required. Asking $105k. Call JAMES @482-0498
Talofofo Fairly new 3BD 2BA home equipped with security, 2 car garage, covered back patio, and more. Priced at only $283K. Call MAJUNI @ 689-2583.
Tamuning Condo units - 3bd/1ba, renovated, $125K & Agana Beach Condo, 3bd/3ba, beachfront, bank foreclosed, appliances, split a/c units, $500K 482-6252/777-3728 MLS 12-1565 & 12-1621
Yona Winward Hill Estates: Lovely 4 bedrooms / 2.5 ba with beautifully upgraded kitchen and bathrooms, nicely appointed living & dining spaces & bedrooms. Large, well maintained yard with lots of gorgeous plants, flowers, trees and a cozy verandah & spacious tool shop in the middle of it all! Come see this beauty in Yona. Asking $289,000. Call MARILOU @ 988-5600 Newly renovated 4BR 2BA house with a huge covered patio on a 2,233sm lot. Call VIC today @ 483-7518 Baza Gardens - $169,000 - Best Deal! 3 BR 2BA corner lot home in great condition - call for details...Asking $169,000. Call LIZ @ 687-0911
Land For Sale Chalan Pago
Private and secluded Tamuning 3bed/1ba house with partial ocean and city view. Recently painted and upgraded with ceramic tiles, french windows and accordion typhoon shutters. Fenced and gated, and comes with 4 split A/Cs'. Asking only for $229K. Call MYRNA @ 488-0144 TAMUNING Executive 2 Storey Spacious House for Sale by Owner. Great location beside Cost-U-Less Tamuning and GPO. Great lifestyle and community environment with 5 bd/3ba corner lot; nice sized bd on 1st and 2nd flr; luxurious master suite w/ jacuzzi spa tub; quality granite staircases; hardwood railings; crown molding all over the house with open spacious kitchen and stainless steel appliances. Please call owner/lv msg at 727-6456.
Tumon Nice 2 and 3 bedroom condo with panoramic ocean view and city view and waliking distance from the shops and hotels. Please call George 483-9111 Century 21 CR.
Yigo Executive 2-story house with a great view, fully fenced and a quiet area. 5bd/3ba w/ 2 huge balconies. SS appliances, wash/dry, 2-car garage. Huge storage shed, a must see! $425K Sale. Call Joe @ 483-3333!
Chalan Pago LAND FOR SALE Wow! What a view you have to take a look at this large lot. Come see and fall in love! Only $210K. Call Century 21 Commonwealth Realty @ 649-2121.
Dededo Dededo Land 18585Âą Very Nice $85,000 637-7165 / 688-0887 / 689-7900. Dededo Lot with a fabulous view overlooking the city. Great potential for future development. $400K. Call HANA @ 777-3660
Merizo Enjoy the view when you build on close to 1 acre of property located on Guam's countryside fronting Route 4. Great size and great potential. Only $60K. Call JOYLYN @ 488-5069
Piti Turner Rd. - Channel 10 - (Nimitz Hill) Piti. 151,508 sq. meters of unobstructed ocean views Asking: $2,300,000.00 Call FRANK @ 479-4663
Tamuning R-2 Lot Call 646-7137 CasaGuam.com 27
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Closing
Message from the Executive Officer
By Peggy Araullo Llagas
The Guam Association of REALTORS® Workforce Housing Expo
We would like to extend our sincerest appreciation to the following participants that shared their valuable time,
W
knowledge and expertise with the public during the housing expo, Saturday, October 27th, 2012 at the center court of the Micronesia Mall.
Guest Speaker: Senator Tine Muna Barnes Presenters:
*REALTORS® Liz C. Duenas, 2012 GAR President, Chris K. Felix, GAR National Director and Louisa Wessling, GAR
State/Local Director *Dominic Cruz of ANZ Guam *Lin Manalo of First Hawaiian Bank *Owen Lorzano of CITIBANK
*Donna Aguon of Community First Guam Federal Credit Union *Calvin Hernandez of Bank of Hawaii *Mark Winans from the office of Veterans Affairs-Guam *Thomas Flores of GWA *Art Perez of GPA *Joe Diego of USDA *Mary Guerrero of
Guam Housing Corporation *Carlos Camacho of Micronesian Community Development Corporation *Jose Castro of Title
Guaranty of Guam *Jason Crandall of Guam Home Inspections *Bruce Dinsman of Pacific Island Appraisals
*Efren Santos, Surveyor *Kim Young of Security Title & Inc. *Arlene Tan of Moylan’s Insurance *Aileen Kier Alfred of Pacific American Title Insurance & Escrow Company *Paul Daniel Calvo of Calvo’s Insurance Underwriters Inc. Exhibitors:
New Prudential Realty DIAMOND REALTY DIAMOND REALTY
Last but certainly not the least, our event sponsor, IT&E Guam for their valuable support of the Guam Association of REALTORS® Workforce Housing Expo. Special thanks to the following: PDN, the Sorensen Media Group and the management & staff of the Micronesia Mall. REALTORS® remain committed to keeping the dream of homeownership alive for generations of Americans to come. Ask if your agent is a REALTOR®. The Guam Association of REALTORS® …your “voice for real estate”.
Visit our websites at www.guamrealtors.com and www.guamhousingprograms.com 28 CasaGuam November 2012
For More Information Contact: Peggy Araullo Llagas, Executive Officer Guam Association of REALTORS® Suite 236A Julale Center 424 West O'Brien Drive, Hagatna, Guam 96910 Tel: (671) 477-4271 • Fax: (671) 477-4275 Mobile: (671) 689-4271 • www.guamrealtors.com
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We speak Russian, Farsi, Chinese, Korean, Japanese, Filipino, and Chamorro facebook.com/Century21CommonwealthRealty
RENTALS Agana Bay Condo, Hagåtña - 3Br/2Ba - $2,500 - #12-1696 Alupang Cove Condo, Tamuning - 2Br/2Ba - $2,100 - #12-957 Perez Acres Townhome, Yigo - 3Br/1.5Ba - $1,900 - #12-2610
Dededo $225K 3Br/2Ba #12-3490
Dededo $295K 4Br/3Ba #12-2737
Dededo $235K 3Br/2.5Ba #11-3852
Tamuning $590K 3Br/3Ba #12-1835
Dededo $99K 3Br/2Ba #12-4142
Mangilao $79K 2Br/1.5Ba #12-3915
Tamuning $155K 1Br/1Ba #12-3890
Agat $140K 2Br/1Ba #11-4490
Tumon $205K 1Br/1Ba #12-4183
Dededo $159,999 3Br/2Ba #12-4133
Yigo $429K 4Br/3.5Ba #12-4079
Yona $215K 4Br/2Ba #12-3952
Dededo $449K 4Br/3Ba #12-4240
Dededo $169K 3Br/2Ba #12-4286
Dededo $325K 4Br/3Ba #12-4242
Yona $175K 3Br/1Ba #12-4115
Barrigada $395K 4Br/3Ba #12-3866
Tumon $380K 4Br/2Ba #12-3687
Agat $215K 4Br/2Ba #12-3545
Barrigada $449K 4Br/3Ba #12-3853
Tamuning $1,020,000 Multi-Family #12-1955
Tamuning $4,800,000 Commercial #12-458
Akaide St., Barrigada - 2Br/1Ba - $900 - #12-3512 MongMong-Toto-Maite - 3Br/2.5Ba - $1,500 - #12-2499
Flora Pago Condo, Ordot-Chln Pago - 3Br/2.5Ba - $2,200 - #12-3883 187 Aurora St., Dededo - 4Br/2Ba - $1,500 - #12-4088 230 W. Soldedad St., Hagåtña - 1Br/2Ba - $1,500 - #12-4230 230 W. Soldedad St., Hagåtña - Studio - $1,000 - #12-4229 Holiday Tower Condo, Sinajana - 2Br/2Ba - $1,700 - #12-4231 106 Chln Ahi St., Dededo - 4Br/2.5Ba - $2,450 - #12-4292 Scharf St., Piti - 2Br/2Ba - $750 - #12-2689 Alupang Cove Condo, Tamuning - 1Br/1Ba - $1,600 - #11-3998 Alupang Cove Condo, Tamuning - 2Br/2Ba - $2,100 - #12-957
Homes & Condos
168A Consolacion Ct., Asan - 2Br/1Ba - $2,200 - #12-4019
Villa Pacita Estate, Yigo - 3Br/2Ba - $1,100 - #12-202 Familian McDonald, Yona - 3Br/1Ba - $1,100 - #12-4116 Chln Binadu, Yona - 4Br/2Ba - $2,200 - #12-3225 Rt. 16 Army Dr., Barrigada - 1,000sft - $950 - #12-3835
LAND
Pago Plaza, Ordot-Chln Pago - 1,100sft - $1,400 - #12-3867
Off Route 4, Inarajan - 2,280sm - $45,000 - #12-3367 Chln Ping Pago, Ordot-Chln Pago - 1,864sm - $65,000 - #12-628
Commercial & Multi-Family
Chln Umasodda, Dededo - 1,858sm - $65,000 - #12-4044 Route 4, Ipan Talofofo - 1,370sm - $95,000 - #12-4077 Perez Heights, Talofofo - 1,858sm - $110,000 - #12-4112 Laguina Estates, Yona - 947sm - $89,000 - #12-4075 As Cepeda, Yona - 1,154sm - $40,000 - #12-4251 As Cepeda, Yona - 929sm - $50,000 - #12-4250 Chln Nganga, Ordot-Chln Pago - 1,784sm - $35,000 - #12-3574 Sgt Quenga St., Santa Rita - 606sm - $39,000 - #12-3885 Chln Adams St., Yigo - 1,858sm - $69,000 - #12-1654
Tamuning $750K Commercial #12-4181
Hagåtña $1,475,000 Multi-Family #12-413
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