APRIL 2022
Your resource for buying, selling, and enjoying your home in the Inland Northwest.
INSIDE: Coldwell Banker Tomlinson ................... 5 Assist 2 Sell Discovery Real Estate ........ 6 Jan McCoy Properties .......................... 13 A SUPPLEMENT OF THE LEWISTON TRIBUNE
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2 | April 6, 2022 | Lewiston Tribune
DOWNSIZING CONSIDERATIONS Greenshoot Media
Once the kids are out of the house, you may start thinking about downsizing and cashing out some of the equity in your home. Going smaller doesn’t have be painful. Keep reading for tips on how to downsize and find the right place for your lifestyle. START THE DECLUTTERING PROCESS A general rule of thumb according to Rocket Mortgage is to start at least three months before you plan to move. Find a balance and work through your possessions room by room. There are several methods of decluttering you can use, but remember that there’s no right way to declutter. Use a way that works for you. MEASURE OUT YOUR NEW SPACE You need to know the square footage and shape of the rooms you’re going to move into in order to know what items of furniture you need to keep and what can go. If you don’t have measurements, just look at general decluttering and get rid of items you absolutely know you won’t need. Bear in mind that your current furniture might not fit in
your space. Don’t try to squeeze your giant furniture into a tiny space. Instead, make thoughtful choices about what you can take. QUESTIONS TO ASK YOURSELF Understanding why you want to downsize and what lifestyle you want to live can help you when decluttering in preparation for downsizing. Some suggested questions from Rocket Mortgage include:
• What are your top reasons for wanting to downsize? • What opportunities will downsizing create? • What will you miss the most about your old home? • Are there new hobbies or activities that you’d like to explore? • What are you most excited about in downsizing? • What are you most nervous about? • What is the first thing you want to do when you’re settled into your new home?
Set your goals before you start decluttering to help you more thoroughly understand what you should keep and what needs to go. WHAT TO DO WITH SENTIMENTAL ITEMS You can’t take it all with you. For items that have a special meaning, consider passing them on the friends and family. Schedule pick-up times at least a week or two before you move.
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FINANCING OPTIONS
Greenshoot Media
Getting pre-approved for a mortgage is often one of the first steps you take when deciding to purchase a home. There are a lot of financing options out there and it can get confusing quickly. Here’s a rundown of some of the most common types of mortgages out there and what you need to know about each one.
CONVENTIONAL LOANS Conventional loans are mortgages that are not insured or guaranteed by the federal government. These are usually fixed-rate mortgages and, because they have stricter requirements, are usually some of the hardest to qualify for.
Conventional loans typically require a bigger down payment, a higher credit score, lower debt-to-income ratios and could also require private mortgage insurance. The upside is that these loans are usually less expensive than the loans guaranteed by the government.
FEDERAL HOUSING ADMINISTRATION LOANS The Federal Housing Administration also provides several mortgage choices. Typically, these have lower down payment requirements and are easier to get than conventional loans. These are great choices for first-time home buyers because they have lower upfront cost and less stringent credit requirements. Down payments on
FHA loans can be as little as 3.5% of the home’s purchase price. That said, FHA loans require mortgage insurance to protect the lender should the borrower default, die or is otherwise unable to meet the obligations of the mortgage.
VETERANS AFFAIRS LOANS FHA isn’t the only government agency that guarantees loans. The Department of Veterans Affairs guarantees some mortgages to allow veterans to obtain home loans with favorable terms, sometimes even without a down payment. Like FHA loans, these loans are easier to quality for than conventional loans for qualified buyers.
FLOATING-RATE MORTGAGES Also called adjustable rate mortgages or interest-only mortgages, these loans are the most help to first-time home buyers or to buyers to expect their incomes to rise substantially. As a borrower, you usually get a lower introductory rate for the first few years of the loan. That means you can qualify for more money than if you tried to get another kind of loan. These loans can be risky if your income doesn’t grow as fast as your interest rate rises.
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6 | April 6, 2022 | Lewiston Tribune Greenshoot Media
BUYING INVESTMENT PROPERTY
Real estate has a reputation for producing some of the wealthiest people, and many are drawn to the hot market right now. But before you drop hundreds of thousands of dollars on investment property, make sure you know what you’re doing.
BEING A LANDLORD Think hard about if you want to be a landlord. That not only involves finding the right property, but the
right tenants and taking care of maintenance issues. You could hire a property manager, but that will take a bite out of your profits. Many property owners make their own repairs to save money and keep more of their own profits.
WATCH OUT FOR DEBT When you’re looking to buy your first investment property, you should take care to avoid debt. Investment property mortgages typically have more stringent
requirements, meaning your debtto-income ratio can’t be as high as it could be for a family home. You also want to have plenty of cash on hand for contingencies.
GET A DOWN PAYMENT In addition to a lower debt-toincome ratio, you will also have to have a larger down payment than you would for a family home. Most banks and lenders will require at least a 20% down payment because mortgage insurance isn’t available
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INVEST IN INSURANCE Your new investment property will need insurance to protect it. You should get policies to cover property damage, lost rental income and liability protection in case a tenant or a visitor suffers an injury as result of property maintenance issues. Standard homeowners may not cover losses incurred while the home is rented out. consider FixerUppers with caution You should look at low-cost homes for your investment property, but a fixer-upper could
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eat up all your cash. Your best bet is to look for a home that is priced below market value and needs just minor repairs. Look for a home in an up-and-coming neighborhood. It’s important to be realistic with your expectations and don’t look for an immediate payoff.
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TYPES OF INSURANCE Greenshoot Media Once you’ve found your perfect home, you need to protect it. There are lots of different homeowners policies out there, each for the kind of home you purchase. There are policies for singlefamily homes, condos and more. Keep reading to learn more about each type of policy.
HO-1 INSURANCE This is your basic homeowners policy. It covers your home, any attached structures such as garages, appliances and some features of your home. It’s a named perils policy. That means it covers you in specific situations, which may include damage from vehicles, explosions, fireand lightning, hail and windstorms, riots, smoke, theft, vandalism and even volcanic eruptions.
HO-2 INSURANCE HO-2 policies may also be called a broad form. This covers your home and your
personal belongings — most of the time no matter where they are. They may include liability coverage. Like an HO-1 policy, HO-2 insurance covers named perils. They may also include accidental discharge or overflow of water or steam; tearing apart, burning and cracking from some household systems; freezing of pipes and heating and air conditioning systems; sudden and accidental damage from electrical currents; a falling object; or weight from ice, snow or sleet.
HO-3 INSURANCE The most common type of homeowners is the HO-3 special form policy. It covers your home, personal property, liability and additional living expenses and medical payments. The perils it covers generally exclude defective construction or maintenance; foundation issues; government actions; pet
or animal damage; pollution and corrosion; theft, vandalism and frozen pipes in vacant houses; wear and tear; flood, earth movement; war; nuclear hazard; intentional loss; neglect; mold, fungus or rot; power failure; ordinance or law; mechanical breakdown; smog, rust or corrosion; birds, rodents and other creatures; and any animals owned by the insured.
HO-4 INSURANCE These policies are commonly called renters insurance. You can get these when you’re renting property and want to cover your personal belongings and get liability and additional living expenses. Renters insurance policies are usually named perils policies that cover events covered by HO-1 and other policies.
HO-5 INSURANCE This is the most comprehensive policy available and covers your home, personal
belongings, liability, additional living expenses and medical payments for others. They can also have higher limits for things such as jewelry and are recommended if you have high-value items. These policies protect you from anything not specifically excluded in your policy. Common exclusions are things like earth movement, government actions or laws, mold, nuclear hazards, war and more.
HO-6 INSURANCE HO-6 insurance is for condo owners and covers everything inside your unit, personal liability and additional living expenses. They also usually include dwelling coverage. Condo homeowners associations usually have their own policies that cover the common areas, grounds and external parts of the building. The owners in the building help pay the association’s fees as part of their HOA fees.
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THE PROS AND CONS OF IRRIGATION SYSTEMS Maintaining a lush, green lawn and thriving landscape that includes shrubbery, flowers and trees requires time, money and often some sweat equity. However, the beauty that results from such effort compels many homeowners to take on the landscaping challenge.
sprinkler head, while automatic systems are programmed and do all the work once they're installed. Sprinklers cover a lot of ground and can irrigate large spaces quickly. However, that same benefit can be a disadvantage as well.
Forgetting to water the greenery or getting hit with a drought can cause a lawn to deteriorate rapidly. An irrigation system may seem like a smart investment, but homeowners should weigh the pros and cons of such systems before having one installed.
Sprinklers are indiscriminate in their watering, sometimes hitting pavement or driveways. Also, the Gardening Channel says that water from sprinklers is lost due to evaporation on hot, windy days. In fact, as much as 80 percent of the water used may not make it onto the grass or plants.
Irrigation systems are installed to protect landscaping so plants can thrive year-round. Irrigation systems come in various forms, from sprinkler to drip to surface irrigation systems. No system is necessarily better than another. That's because each is designed to address specific watering needs. Here's a look at various irrigation systems and the pros and cons of each. SPRINKLER SYSTEM Sprinklers are popular because they tend to be very affordable and easy to set up. Manual sprinkler systems utilize a hose and
SURFACE IRRIGATION SYSTEM Sometimes called gravity irrigation, these systems use channels or furrows throughout the cultivation area. Once the water runs through these channels, gravity distributes it accordingly. Surface irrigation systems require minimal effort but are best suited for farms and commercial enterprises because they require a large reservoir or pond to accumulate water. Also, uneven terrains could divert the water.
DRIP IRRIGATION SYSTEM This type of irrigation system is used primarily in arid regions. It is made up of lateral lines of flexible or rigid polyethylene pipe. Drip irrigation allows homeowners to focus watering on a particular garden area. It provides moisture directly to the soil. Therefore, there is no water waste from runoff or evaporation. Drip irrigation waters plants slowly and can cause less soil erosion and reduce nutrient leeching. While easier and more effective than some other irrigation methods over the long haul, a drip irrigation system has a substantial startup cost. In addition, the system can get clogged at times. When gardening season is finished, a drip irrigation system will need to be drained and dismantled. Irrigation systems can help care for plants and lawns. However, they can be costly and some require significant maintenance. Weather and pests also can reduce the effectiveness of yard irrigation systems by damaging equipment or directing water in directions homeowners did not intend. Customers are urged to do their research
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FINDING A MOVING COMPANY
Business Bureau. Ask to see their insurance paperwork and make sure you know what Most reputable companies you’re covered for in case the won’t ask for a cash deposit worst should happen to your before you move. Moving.com worldly possessions. Any GET REFERRALS also warns you to be on the irreplaceable items should stay Start by asking friends, family look out for movers that show with you during the move, just and coworkers if they can up late or can’t answer your to be safe. recommend a moving company. questions. PROFESSIONAL If you’re moving for a new job, Also, avoid companies that your new employer may be able show up in a rented van. A good Accreditations to connect you with a reputable moving company will have its In addition to the DOT company. You can also ask your own equipment. number, you should also real estate agent. Once you have You should also check for a U.S. look for trade association a list, follow the rules of threes. Department of Transportation certifications, Don’t grab the first estimate number and a license. Run the Moving.com says. The site is you get. Instead, ask at least company through state and run by one such organization, three companies and never take local consumer affairs agencies the American Moving and one that won’t give you an in- to check for other complaints, Storage person estimate. and check with the Better You’ve found the perfect place, decluttered and sorted, and now it’s time to move in. Here’s how to find reputable movers to do the job.
WATCH FOR RED FLAGS
Association, and they offer a ProMover certification. Look for their logo on your mover’s website or paperwork. VERIFY THE ADDRESS
Ask for the mover’s business card or pull up their website and look up the address listed online. Make sure the company is listed and registered under that address and be wary of any companies that are listed in a residence.
Greenshoot Media
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NAVIGATING THE RENTAL MARKET
It’s not just real estate for sale that’s red hot right now. Rentals are also hot commodities in most of the country. Here’s how to find the right home for your family that fits your lifestyle and your budget.
ASK AN AGENT Real estate agents aren’t just for buying, they can help you find a place to rent, too. Agents can help save you time and headache in your rental search by tracking down properties and landlords and even perhaps find properties you wouldn’t have found on your own. They can also help you understand any contracts you’ll have to sign on your property.
MOVING TO A NEW CITY Rentals can be especially valuable if you’re moving to a new city and you don’t want to sink all your money into a home in a neighborhood you’re not sure you’ll like. Before you move, start digging into your housing options at least a couple of months. Get a good idea of what you’re looking for and narrow down the
neighborhoods you’re looking at. Make a wish list and use a rental agent.
WHAT YOU NEED You should also be prepared before you start getting ready to make offers. Bring your proof of income — if you’re moving for a new job, you may need a letter stating what your new pay rate will be — along with bank statements for the past few months.
Always visit the apartment before you put down any money and inspect it inside and out. Deal with landlords and agents that are local and read the lease and any
other contracts carefully. Don’t wire funds or give out financial information, and be wary of rent that’s too good to be true. Greenshoot Media
Beauty SET IN STONE.
AVOID SCAMS Avoid red flags in your rental situation. Some signs that you might be in a scam are: • High pressure to make a quick decision. • Asking for a large upfront fee or security deposit. • Not being able to show you the property. • If landlords provide you unreliable contact information. • Are willing to skip credit or background checks. • Won’t give you the address of the rental unit.
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RENOVATIONS PROJECTS THAT PAY landscaping, the American If you’ve spent the pandemic Nursery looking around your home and Landscape Association says, deciding you need something and HGTV says your average different, you might be return is 100%. Add new sod to pondering a move up. the front yard and pick native To maximize what you get flowering plants for a pop of for your home, you might be color at the front of the house. pondering a few renovation Nix overgrown shrubbery and mix the heights of foliage for a projects. dramatic effect. Here are the projects that net EXTERIOR you the biggest return on your IMPROVEMENTS investment according to HGTV. New vinyl siding, paint and LANDSCAPING updating the front entry will run The average. Homeowner you a little more than $7,000 and spends about $4,000 on you’ll get about 95% of it back. Greenshoot Media
Use paint color cards to choose color combinations.
your utility bills and that your existing
Make sure you test for lead HVAC can handle the load. before painting or sanding if MAJOR KITCHEN your home was built before REMODEL 1978. It could have lead in the The kitchen is the heart of paint, which can be harmful to the home and it will run you humans. about $45,000 for a major ATTIC BEDROOM renovation that covers new CONVERSION cabinets, an island, countertops, Got room upstairs? HGTV sink, appliances and flooring. says it will cost you around HGTV suggests removing over$40,000, but you’ll get about counter cabinets and making 94% of it back. countertops work for you by You need to make sure there’s creating an eating bar. plenty of insulation to lower
Stick with neutral colors to get
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the most bang for your buck.
REPLACEMENT WINDOWS This job will cost you around $10,000 and you’ll get around 90% of that back. New windows can make your home more efficient and save on utility bills for either you or your home’s new owners. Side note: You may not recoup that much in hotter climates. In Las Vegas, for instance, you’ll only get around 60% of your investment back.
LIVING ROOM UPDATES Giving your living room a facelift with new decor including light switches, outlet covers, floor registers and more will cost you about $2,000. You should expect to get about 60% of that back. If you’re following up this renovation with a sale, stage your home by moving excess furniture and clutter to storage.
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WHAT TO PLANT WHEN PRIVACY IS A PRIORITY Metro
A backyard oasis can feel like an even more welcoming retreat when the area is private. Homeowners and their families often find that a backyard is most relaxing when they cannot hear or see their neighbors, and creating such an environment can be as simple as planting some privacy trees. Fencing is an option when homeowners are looking to make their backyards more private. But HomeAdvisor reports that the average cost to install a privacy fence is just under $3,000, and those costs can be considerably higher depending on where homeowners live and how big a fence they need. Privacy trees can be considerably less expensive, and homeowners can spread out those costs by planting over time, an option that’s not possible when installing fencing.
When planting privacy trees, homeowners can consider these varieties that can do the job while also providing some aesthetic appeal.
boast a pyramidal shape. The Carolina cherry laurel require sun and thrive in moist, welldrained soils. Parents with young children should know EMERALD ARBORVITAE: that the leaves of this family of The Arbor Day Foundation¨ plant contain hydrocyanic acid notes that the emerald and should never be eaten. arborvitae is unique among BOXWOOD: arborvitaes because it The ADF notes that maintains its green color even in the coldest months of the boxwoods are renowned for year. The emerald arborvitae their use in formal gardens. can grow to between 10- and That can make them an ideal for homeowners 15-feet-tall and spread as wide option as four feet at maturity. The tree seeking a traditional garden features a pyramid shape and aesthetic in their backyards. is considered slow-growing at Boxwood trees can grow up to less than 12 inches of growth 20 feet tall, but they can vary per year. The ADF reports that greatly in height. Homeowners full sun and partial shade are purchasing them as privacy trees should speak with best for this tree. their local gardening center CAROLINA CHERRY to ensure they’re getting LAUREL: boxwoods that will provide Carolina cherry laurels are ample privacy. Though they popular choices for privacy still have aesthetic appeal, seekers. The Lady Bird Johnson smaller boxwoods may only Wildflower Center notes the reach a foot tall. Boxwoods vary trees can grow very tall and considerably in terms of their
growth rate, so homeowners should inquire about this as well before purchasing and planting any trees. PRIVET: Privets are dense privacy hedges that grow very quickly, with the ADF reporting they can grow up to three feet per year. Privets may reach 12 feet in height and spread as wide as six feet at maturity. Privets tolerate shearing well, which can make them ideal privacy options for those looking for a formal appearance. Privets require full sun for uniform growth. Privets are considered invasive in many areas of North America, so homeowners should consult their local garden center prior to planting. The right privacy trees can be just what homeowners need to turn their backyards into relaxing respites.
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Home financing that works for you There are many choices when buying a home, from the neighborhood to the number of bedrooms. You want a house that fits your needs, and home financing that does, too. Wells Fargo can help with a wide variety of loans and mortgage programs for: • First-time homebuyers • Buyers who need a larger loan amount • Military members and veterans • Buyers of newly constructed homes • Buyers with other unique needs
Let’s connect. Crystal Nelson Home Mortgage Consultant 208-799-6707 crystal.d.nelson@wellsfargo.com www.wfhm.com/crystal-nelson1 NMLSR ID 189090
Teresa Koepke Home Mortgage Consultant 208-799-6204 teresa.d.koepke@wellsfargo.com www.teresakoepke.com NMLSR ID 755325
Wesley Gossage We’ll review your information and let you know what options are available.
Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A © 2021 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS5463479 Expires 05/2022
Branch Manager 208-799-6255 wesley.gossage@wellsfargo.com NMLSR ID 400369
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© 2019 American Pacific Mortgage Corporation NMLS 1850. All information contained herein is for informational purposes only and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
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