NE Oregon Real Estate Guide 5-29-15 by NorthEast Oregon News

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2 — Friday, May 29, 2019

NORTHEAST OREGON REAL ESTATE

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Home prices climbing . N orthwest Furniture 8, Mattress... . . R e/Max Real Estate Team .... . . . . . Sales of new homes. C entury 21 Eagle CapRealty... . . . . Nelson Real Estate. Robot butler . Next Step Carpet. Springhassprung Sunfire Real Estate . B rief history of open houses..... . . A-I Realty White Horse Real Estate Hell's Canyon Realty C entury 21 Eagle CapRealty... . . . . Ranch-N-Home . P acific Residential Mortgage ... . . . . Whot not todoofter pre opprovol... CompassReal Estate

Valley Realty. Edward Jones Carpet One Ranch-N-Home . Buyers opportunity Baker City Carpet Express Miller's Home Center Courtesy Home Furnishings Self Service Furniture H ow much downpoyment?... . . . . Re/Max Real Estate Team Bisnett Insurance J ohn J. Howard 8, Associates .... . . . Countryside Sheds . F airway Independent Mortgage... . . Mt. Emily Realty . H ome loons for single moms.... . . Mt. Emily Realty . Patty Glaze, Re/Max Elgin Electric Co. Baker City Realty. Oregon East Realty . .

OregonAssociation of REALTORS®...

poge 3 .. . . . . . .page 3 ..page 4, 5, 6, 7 page 6 .. . . . .poge 8, 9 .page 10, 11 . page 12 .page 12 . page13 .page 13 .. page14 .page 14 .page 14 .page 15 ...page 16 .page 17 ...page 16 .. page17 .page 17 page 18, 19 .page 20 .page 20 .page 21 . poge 22 .page 22 .page 22 .page 23 .page 23 .. page24 .page 24 .page 24 ...page 25 .page 26 ...page 26 .page 27 .. page2B .page 28 .page 29 .page 29 .page 31 .page 31 ...page 32

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Greetings!

xciting things are happening in the world of REALTORS®! Recently The National Association of REALTORS® has adopted additional standards to make REALTORS® a stronger, bet-

t er advocate for the consumer and property r i ght s

— and The Union County Board REALTORS® is e xcited about it ! Due to these new requirements, which include providing public education and awareness o n property ri ghts, enhancing our commun it y through public service as a Board and being a p olitical advocate by keeping our communi t y w ell informed and advocating to protect priv at e property ri ght s and enhance home ownership, we have opted to merge with several other boards and be a part of the Central Oregon Association

of REALTORS®. This decision was not easily made but wil l certainly give us a stronger voice to support and promote the American dream of homeownership. I 'm sure that you see many Union County RE -

ALTORS® and offi ces out and about every day in our community on boards of directors, volunteering and providing education and service for the

public. The new standards will help us to add to these things as an entire Board. Services to you, our tr u sted clients and

friends, will not change. Your preferred REALTOR® will still be very available to answer any question,show you any property and provide you with the expertise and knowledge of our many years of experience — because our goal is the same as always — to help us all achieve the American dream of homeownership! Shaurna McKi n nis, Secretary,

Union County Board of REALTORS®

NORTHEAST OREGON REAL ESTATE

Friday, May 29, 2015 -

Home prices are climbing faster and faster, but this is not a bubble Real E state News

year, acmrding to the NAR. By Jonathan Smoke The median list prim in March This spring buying season is off to a on realtorcom速 strongstart in fact,pricesaregoing up was 8220,000, faster than theywere just a few months which was up ago,according to nearly every recent metI I/ o over last ric.Sodoesthatmean we're in a bubble? year. Nope, that's justwhat happens when During demand increases faster than supply. the peak years After all, existing-home sales were up 9 lo of the housing year over year in March, acmrding to the National Association of Realtors速. Inven- bubble, from 2008to 2005, tory isalso increasing,butnotas fastas the data on supplyversus prim appreciasales, resulting in a tight supply getting tion looked very similar to whatwe are even tighter. seeing now. But there are key difference, An equilibrium level ofsupply on the which is why I'm confident that on the marketis considered to be six to seven national level, this is no bubble. m onths; supply has been under five Here's why, this time, the price inmonths since Demmber. Looking at every creases should stick; quarter since 1988, when supply was unThe level of the current prim apprederfive months, prims rose8loyearover ciation is not like the bubble. Prims went yearonaverage.When supplywas in the up 7 loand 12lo in 2012 and 2018, respecequilibrium range, prices went up only 4/o tively, as the market mrrected for too-seon average. vere price declines in the prior years. Last The median existing home prim in year, the appreciation level moderated. M archwas 8212,100, up 8looverlast tIPnl 24,20t5

Even factoring in the onetime bounce from the prior overcorrection, median prims have grown I less than 8 lo on a compounded annual basis over the past three years. Median prices, by comparison, grew 10loon a compounded annual basis from 2002 to 2005,without any bounce from a prior decline. On an inflationadjustedbasis,we are80lobeneath the peak set in 2005. Likewise, relative to rents or inmmes, median home pricesare not"unhinged" from long-term averages.The price-torent ratio is similar to the rate in the mid-1990s. It was 85 lo higher in 2005. The price-to-inmme ratio is nowwhere it was in 2001, and itwas about 80lo higher in 2005.

During the housing bubble, we saw both prices and sales grow to historical levels fueled by a rapid expansion in mortgage financing. We are clearly not experiencingrecord salesorrecord mortgage originations now. As aresult,weare notseeingvacancies increase like they did at the end of the bubble. In 2005, vacancies started to risebefore salesand pricesreached their peak as a result of flipping activity and overleveraged speculative investing. On the contrary now,vacancieshave slowly trended back to more normal levels. So, today's higher prices are only to be expmted as theemnomy improves and first-time buyers gradually return to the market. Eventually, those higher prims shouldenmurage more owners to list their homes and builders to start mnstruction on new housing which in turn should solve the problem ofsupply. rcschte feconomtstofreallorcom%) Jonathan Smohe leadsils efforts lo deuelop and lrandale real estale dala and lrendsi nlo accurale and rel euant consumer and i ndusl ry i nsighls on housing.

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4 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

+ +i RFMHR('Real Estate Team '"'.""" Weekends by

2106 Island Ave, La Grande, Oregon 97850 • Fax: (541) 963 310 6

appointment

Office: (541) 963-1000 • Toll Free: (866) 963-8800 I

1311 UAve. La Grande $75,000

Dauble lat that is clwideable and has great wark shapareas Has had same up dating with a new furnace new vinyl siding same electncal as well 203 K ra ect' MLSII14269690

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480 S. 8th Aveu Elgin $79,000

Praperly wauld make gaad cammercial wark lwe lacahan Check with City far use Needs malar repair Large shap MLSII14602928

120811th St, LaGrande$89,900

Gaad hame in a lacalan that wauld be excellent far students Very funchanal flaar plan with bed raamand bath an each side afthe hause Open hvin s ace Prwac fencedard MLSII15669894

1602 7th StwLa Grande $99,900

Cute 2 bedraamhame ancarner lat Spaciaus lw ing raam updated bath canvenient back parch fenced yard and garage/starage Perfectfar what ever aur needs are' MLSII14299481

27062nd StwLa Grande$100,000

Kick affyaur baats and settle in ta this 2 bedraam I bath bungalaw in Narth La Grandei With vinyl windaws and a new raaf in 2012 this hame stays cazy warm' MLSII14041593

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1021 S.4th St, Union $102,600 HUD Hamesald as is by electranic bid anly Prap Avail 5 12 15 Bids due by II 59PM Central Time daily until sald Uninsured Ehgible far FHA 203K BLBResaurcesmakesnawarrantyMLSII15185103

1240 N.2nd StwUnion $144,900

Manufactured hame is awesame Dead end street means htre traffm the large lat has raam far the garden The 3 bed/2bath hame has a spapaus master and a warm sunn kitchen MLSII14411160

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975 4th St, Union $159,900

Extra parking large level carner lat 3 bdrms and2 bathraams large family raam that apens ta decks and fenced yard Dauble car garage aff street parking 5.a new raaf MLSII14541715

10205 SMcAlister, Island City $117,900 Here are the shaps and garage that yaur laaking farTwa bedraam anebath hame in need afsame hxing Call faryaur appaintment ta shaw this wan derfu0y lacated praperty MLSII151741232

1810Y AvewLa Grande $123,900

13014th St, La Grande $129,000

dauble car garagethat can beyaur shap' Cement pad far RVparking starage shed dbl gate far alley access gardenspat 5. fencedyard MLSII14433147

NearEOU schaal s This3 bed/2 bath hame has 2 banus raams dawnstairs 2aned far flexibihty af uses this cauld be whatever yau want Hardwaad flaars beauhful ald waad tnm' MLSII14323681

1999 Marlette hame an large lat with insulated

71 5 4th Stw North Powder $132,000

Nestled in Narth Pawder this campletely remad eled 3 bedraam 2 bath hame affers an aver sized carnerlatthatisfenced autbuildings deck andan 0 en flaar lan MLSII15009485

1401WAve, La Grande $145,000

1602Oak St, La Grande$149,995

2206 Pine St, La Grande$152,000

603 MAve, La Grande $154,900

LaakingfaralargehamecThis3level 5bedraam 2 bath hamehas lats af space' Use the full base ment as yaur legal 5th bedraam ar as a secand hving raami MLSII15126659

Dant want a pralectc' Came laak at this 2 bed raam I bathhame in Sauth LaGrande an a large carner lat' With a tatal remadel this hame has had the wark dane far yau' MLSII15541510

Cute 4 bedraam 2 bath hame w/laminate and hle thraughaut' Master suite w/walk in claset Outside enlay fenced parking large paha dag kennel and a slab ta build yaur garage' MLSII151789C 6

Several upgrades lately Bath an each level Walkaut fram lawer level ta pnvate backyard with wanderful pawhan perfect far entertaining Lacahan near EOUand schaals MLSII134611C6

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96 Cedar St, LaGrande$159,900

1501 Jasper St, Cove$164,900

Check aut this 5 bedraam I 5 bathhame ansauth Have yau always wanted that cahage with tans af La Grande cul da' Fenced back yard aff street windaws in a small tawnc Maybe a really big latc parking hardwaad in hving raam' Lave the flaar Why natthraw in a nice detached shap/garagec plan if yau like ta entertaini MLSII15413237 This 3 bed/2bath Cave hame is it' MLSII15123513

1202 Bryan St, Cove$177,500

3BR/2BA with an aversized twa car attached garage with an addihanal detached shap far thase extra pralects Back fenced yard with a great play structure MLSII14639584

660 Albany StwElgin $179,000

If yau are interested in a camfartable 3 bed hame a perfect fenced yard and a shap that will make yaur fnends lealaus this Elgin hame is far yau MLSIII 4302427

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•~$( 92 OakSt, La Grande$181,900

Lafly ane level 3BR/2BA Open hving raam with picture windaw view af Grande Rande Valley

Cavered deck large fenced back yard and views aut the back ta the mauntains MLSII15457351

404 Spring Aveu La Grande$183,900

Onginal waadwark thraughauti Stunning hving and dining raam camba hghts up with the marning sun thraugh the lead windaws and splashes hght an the hardwaad flaars MLSII15247385

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97 N Ave, LaGrande$189,000

Stunning view fram this west hills I plus acre site Can be dwided Please check with the Cily far

uses One af a kind lacahan By appaintment anly MLSII15206267

300 N16th Aveu Elgin $189725

Beauhfully built with Tamarack lags Make this

hame yaurs at a great pnce and sehle inta the quahty Nice carner lat with a twa car lag garage MLSII15155623

608 Main StwCove $198,000

Updates ta kitchen bathraams in pragress Three autbuildings prawdestarage and warkspace Fully enclased yard and dag run and extra space an the back half af the praperty MLSII15046626

NORTHEAST OREGON REAL ESTATE

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2507 Starlight, La Grande$207,500 Beauhful custam hame that is ready far a new awner Wide apen flaar plan use far entertaining ar lust be able ta see everything Nice abached ara e Quali thrau haut MLSII14116383

Friday, May 29, 2015 -

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1712 Glacier StwLa Grande$215,000

Open flaar plan Landscapedwell andhas cavered carpart that cauld easily be a garage Built in gas fireplace apen kitchen dining area a farmal Ieing raam reat views' MLSII15390127

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62946 Fruitdale, LaGrande$225,000 I acre an autskirts af Island Cily' Oversized shap 3 bedraam 2bath hame features a hving raam and family raam large dining and a banus raamfar an avice s ace ar 4th bedraam' MLSII14167759

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1905 Linda LnwLaGrande $229,000

4BR hame hving raam apens ta farmal dining 3. eat in kitchen Newer raaf siding 3. deck plumbed far gas BBQ fenced back yard New master suite w/avice ar nursery area MLSII14019774

10904McAlister, Island City $239,900 3 bdrm/2 bathraam acrass fram LGCauntry Club Shap withtalldaarand greatwark space/abached starage Wellfar yard withlarge green hause and arden area MLSII14022492

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2010 HAveu La Grande$250,000

On BO acres this 4 bedraam 3 bath hame avers spaoaus Ieing and plenly af shap space There is an 1800 sq ft hnished shap and a 576 sq ft detached ara e MLSII15252884

75506Robinson RdwElgin $265,000

Great rural praperly with umahlla Nahanal Farest in yaur backyard Three br 2 bath hame with large shap with twa habby raams Metal Barn with 4 stalls Ver Pnvate MLSII15604817

1400 BAveu La Grande$269,900

Hardwaad flrs and plenly af starage 3 BR plus banus raam Family raam farmal dining living area exits ta well landscaped lawn Preate with a hat tub and 3 car ara e MLSII14034411

62352 Leffel Rdu La Grande$290,000

Many amenities including fruit raam cavered frant parch backdeck large Ieing raam andshady fran yard4BR/2BA Fenced barn machine shed laaf in shed metal sha with220 MLSII14183770

57853Godley RdwUnion $295,000

5BR hame an 9 79Acres This great praperty ha a Metal Shap building alang with ather autbuild ings Many upgrades ta this hame including a wanderful waadflaar in thekitchen MLSII1443423

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1302 B.Aveu LaGrande$299,900 63708 Mt.Glen,La Grande$300,000 Stunning views fram deck bath Ieing raams and

38acre m/I I bdrmmhrental shaps barn star

MasterBedraam' Open canceptspaoaus Ieing

age pasture andcavered Rv parking Hame auers

with 4BR/3BA' Custam master bedraam with thru claset ta the hled en suite' MLSII14310179

a family raam large kitchen and views fram the aver sized Ieing raam MLSII14675373

750 Esther Ave, Imbler $335,000

201 BAve, La Grande $369,000

62143Gaertner, La Grande$385,000

Absalutely amazing custam hame an 3 levels in Imbler Main flaar master fully finished lawer with theater raam and affice 3 bed/2bath upper flaar Tap af the line custam MLSII15168228

2800 s/I af Ieing an ane flaar Farmal entry ha leads ta a farmal 3. family hving area Open hwn 3. kitchen share a gas hreplace w/the shder exitin ta a pnvate backyard pala MLSII15071546

Over 5 acres is put ta great use with a beaulful bed 2 bath hame aver 500 sq ft shap with a addilanal 3bays far parking and a large barn wi many harse amenities MLSII15590011

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62310WagonerHill, Summervige $387,500 Ladge Style 2800 s/I '2/Level Hame an 19 acres views New garage Lag siding orcular dree Expansee hving areas 3. enclased decks 4BR/3BA MLSII15597210

62397WagonerHill, Summervige $388,900 66508EndRdwSummervige $389,900 69521Pumpkin Ridge,Summervige$414,0

Pasture gardens archards spnng far dameshc 10 timbered acres Imagine having a beaulful well water water nghts machine starage 3. cavered built 3BR/2BA Picture yaurself raaming the prap

4BR/3BA lag hamehas huge windaws Wrap de w/views Barn with stalls 3. shap auer bunkhau waad starage buildings 3400. s/Idayhte 5/3hame erly being interrupted anly by wildhfe This prap upstairs with 2 bedraams' Pand parking andmu auers has raam far animals MLSII14482319 er will bnn that dream ta reali MLSII13334662 mare' MLSII14638522

7 Pine Crest DrwLa Grande$429,00

5676s/I • custam hving an I 42 decked B. Ian scaped acres Bath farmal 3. Iun theater raam I ing Mtn 3. wildlife views near hiking Very lar aurmet entertainin kitchen MLSII13612580

69733KnightLn,Elgin$429,000

Secure 98 acres hame avers a newsunny addi han with laft Large raams waad stave media raam 2 family raams 4BR/4BA banus areas reading laft .shap/garage MLSII15012974

67287ShawCreek, Elgin $445,000

160 acres Lag hamew/nice truck baypart paten hal studia/bunk hause gp autbuildings authe gnd generatars salar3.prapane Pasture 3.merchant able hmber MLS813245842

1001 S12th, La Grande$469,000

Gaurmet kitchen waad flaars farmal dining large Ivg raam w/fireplace Theatre raam master suite w/3 mare bdrms an the main Family rm • banus rms in the lawer level new decks MLSII11273970

+ 10303White Birch, Island City $493, 5

4 acres Gaurmet kitchen and dining area 3 0

s/I has separate hwng areas and banus raa s Beauhful master suite hat tub enclasure I e

garage shap andwaad starage MLSII134191

62435Buchanan, Island City $519,9 0

Custam kitchen custam laundry dining deck 4 R 35/BA waadflaars 97m/Iacres Laftbarn ha e

carrals new 2 car gr starage bldg shap la e garden small archard pands MLSII15526730

6 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

Sales of new homes shrank in March, but that's good in a way Real Estate News Apnf 13, 2015

By: Chrystal Caruthers New-home salesdropped more than 11% in March, the largest month-onmonth decline in overa year,according to a Department of Housing and Urban Developmentreportreleased on Thursday, but sales were stiII 19% above March 2014. That's in stark contrast to Wednesday's report, from the National Association of Realtors®, showing that sales of existing homes grew 8% in March, hitting their highest rate in 18 months. The HUD report, however, frequently shows volatile monthly swings. That's because it uses a small sample size and has a huge margin oferror. The numbers are often used as an indicator to predict household appliance and fumiture sales in the mming months. Still, the slowdown in sales from 548,000in February to 481,000 salesin March alsomeant pricesare dropping.

The mediansalespriceofa new home last month was $277,400,down from $281,800 in February. To Jonathan Smoke, chief emnomist here at realtorcom®, that's gcod news. "It is good to see that the median new-home price was down," he said. "That's three months ofdecline in price and evidence that builders are shiffing toward more affordable product to appeal to entry-level and first-time buyers." About85% ofthe new homes sold in March were in the$200,000 to$299,999 price range, according to the report. Also, 20% went to buyers in the $800,000 to $899,999 range. Nearly two-thirds of new-home buyers chose houses that were still under construction, most likely so they muld select finishes and watch the process. Thanks to the slower sales, inventory is up to 5.8 months "which remains tco tight," said Smoke. A six-month supply of homes is mnsidered healthy.

Chrystal Caruthersis a Chi mgo naliue and a former Realldr TV news producer and newspuper reporter. Chrystal whucouersrealedatenewsal reallohconk enjoyscooking hiking andBikramyoga.

i,RFAhRCReal Estate Team

O pen on a y thru Friday 8:00 to 5:30 Weekends by

2106 Is land Ave, La Grande, Oregon 97850 •Fax:(541)963-3106

appointment.

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Office: (541) 963-1000 • Toll Free: (866) 963-8800

757 SW28th SlwPendleton $149,900 790 Diagonal Blvd, Hermiston $89,900

Mull Unit ar tear clawn anclDuilcl new units Large level lat with gaadaccessta dawntawn Rermistan 2 Ddrms an ane side ane an the ather Twa tax lats MLS4I14691611

Large carner lat in a desiraDle neighDarhaad With a Dack gate that apens up ta SherwaadPark and a large fenced Dackyard with a starageDuilding and cavered pala Extenswe remadehng ancl smart upclates New carpelng new paint Ihraughaut new tnm remadeled Dathraam and rehnished hardwaad flaars MLSIM5449675

125 SW8th Sl, Pendleton $295,000 Cammeraal Building 10540 ./I m/I Set an 36142 ./I m/I

graund acrass the street fram canference center at Wartd Famaus Pendletan Raund Up lacalan I level with an site park ing Presently a Dar waacl warking shap w/aclclilanal rental s aces avalaDle MLS4I13693643

Each ornce Is Independently owned and operated

2337 SWCourt Pl u Pendleton $595,000

Meclical Office in excellent high quahty canclilan with raam Ia expand if needed WalMart Super Center lacalan 4 pahent

raams receplan area nurses stalan 2 puDlc Dathraams staff raam wark raam Ors affices lle flaars and staarge The Dusiness equipment and furnishings are nat included

MLS4I143674u

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66782Willow Creek RdwHeppner $749,999

Wilaw Creek Rame Place an162 acres Attractwe large hame has hastecl family gathenngs weclclings 3 generally a retreat destinalan 32 acres af pnmarywater nghts far hay Gatewayta recrealan/lakes/hiking/Diking/fishing 3 hunlng MLs4I14580936

72306Nash LnwPendleton $449,000

Rarse Praperly Beaulful Custam Rame an 20 ares m/I Extremely well carecl far hame with aver 3500 I/I Rarse Darn

large shap garage area and RVparking Easy access aff Rwy

64 Alfalfa and pasture w/water nghts and fenced Panaramic views af the Blue Mauntains MLS4I14559243

35513Keeney Fork Rd, LongCreek $864,000

Eastern Oregan Ranch lacated aut af Lang Creek 1093 acres mx avalaDle far yaur aperahan One mile creek runs thraugh praperty Malheur Nahanal Farest frantage lanclawner hunhng tags Seasanal summer grazing laft Darn autDuildings and ald hameplace MLS4I15189471

83834Airport Ln, Joseph $3,980,000

astanc Rayes Family Ranch is ane afWalawa Cauntys aldest 3 mast revered farms including praductwe irngated hay fields RemarkaDle sethng an theWaqawa Reer 3 set 0 the Waqawa Mtns minutes ta Jaseph Waqawa Lake 3 Jaseph Airpart Stunning 147 acre • hame place MLS4I13066875

NORTHEAST OREGON REAL ESTATE

Friday, May 29, 2015 -

~ RFiHR( Real Estate Team ~2Lâ&#x20AC;&#x201D;.

Of f ic e:(541) 963-100 0

1809 PennAveu La Grande$139,000

195 S.8th Ave, Elgin $107,500

La Grande Oregon at Hwy B2 with high visibihty

very visible traffic area in the heart of Elgin MLSII14502428

Commercial 16 584 Square feet with an employee hsing and storage building The commeraal pylon signs will stay under Meadow Sign ownership with maintenance easement recorded MLSII14696091

This property is currenlly used as an insurance agency office but easy to convertto other uses Well maintained former restaurant Located in a

and great penmeter access 2oned General

T oll Free: (866) 963-8800

410 Railroad Aveo Imbler $180,000

Many oplons for this property' 4 spaaous build ings )2 0 5000 sf I 0 6000 sf I 0 B000 sf w/B40 sf office space) AB buildings but the north building have wood floors North building has can

crete floor Histoncally used for seed cleaning and storage MLSII14695064

845 2nd St, North Powder$275,000

Investment and business opportunity' After 30. years the North Powder grocery is looking for a new ownern Including I 25 / acres of land the

grocery has plenly of asphalt parking space for truck parking and is operating 7 days a week' MLSII15415261

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10901Island Aveu Island City $375,000

2974 sq ft one levelbuilding on a verybusyhwy Most of the building is trussed so walls can be

removed ormovedaround Approx I acre of com meraaByzonedproperty MLSII12057297

This building is part of RMLS hsting 4 1445595B

and can be purchased by itself or as part of the whole complex MLSII14289519

Each office 10 tndependentfy owned and operated

62867Philynda Loop, Island City $375,000

Very uhhtanan shop building with 6000 sq ft of shop area along with 2 160 sq ft of finished area consisting of an office meeting area ada rest rooms and a kitchen See RMLS Listing 1445595B for Listing of a0 buildings in this com Plex MLS/114467253

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1202AdamsAveu La Grande $425,000

Properly that is open to many possibihhes' Was a bank lewelry store and a brewery' Has some seating and tables left so bnng your ideas and come makethis happen for you' MLSII13199350

10505W. 1st St, Island City $489,000

Newer Commeraal Building with )2) two door bvs and and 2 separate office area with 3 offices each

and a receplon area No loadbeanng walls so could bereconhgured MLSII12423150

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62867Philynda Loop, Island City $850,000

Open Monda thru Friday 8:00 to 5:30 Weekends by appointment.

2106 Island Ave, LaGrande, Oregon 97850

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2712 Island Aveo La Grande $1,200,000

Off Hwy 84 at Hwy B2 East NNN/Tenant is Starbucks 36 PARK SPACES B00 to 1600 s/I vacancy is available for lease MLSII12584321

1907 UAveu La Grande$565,000

Unhappy with other investment ophonsc Want something with good income and even better potentialo Storage buildings in 3 localons a0 for one pnce' Call for finanaals MLSII14195912

10901Island Aveo Island City $600,000

2 974 sq ft one level building on a very busy hwy Most of the building is trussed so walls can be removed or moved around Dividable 344 ac MLSII12166942

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62867 Philynda Loop, Island City $2,375,000

This properly is a mix of 5 commeraal buildings a convention center/church lype building and paten haBy)3) 2 acre homesites MLSII14455958

205 N.Camas Ct, Ukiah $49,000 Single wide MP home on approx half an acre Total of 3 outbuildings largest is 900 sq ft Ukiah

secluded area in the heart of Eastern Oregon MLSII15231563

319SW 20th,Pendleton$225,000 12 500 s/I m/I commeraal land Locahon off HWY B4 0 Emigrant high traffic visible 0 Safeway Walgreens and Super Wal Mart Presently a rental andland rental space Tear downhouse and build or add to your land bank MLSII13592801

202Main St,Boardman $379,000 202 Main in Boardman Oregon Professional Building with 12 office rental spaces 2 levels with

good accessandparking on a 39 of an acre cor ner lot Verywell kept building in an area ofgrowth Income potenkal in Part Of Morrow area MLSII15049299

61241Stackland Rdo Cove$550,000

Haveyoueverthought I wish Ihadahuge three level loghomeon12 acres with a viewoverlookingthe valloy'/ It so this maybeit' ML$114370752

60040Thew Loop, Cove $579,000 2 bd home dmidable acreage 5 general/mulh purpose buildings Bonus room in basement currently used as a bedroom Lots of potential offered by outbuildings MLSII15218666

91 Mattoon St, LaGrande $219,500

3BR/3BA and a loft two hving areas kitchen and partial kitchen and dining area Landscaped yard and a detached 2 car garage Lifehme siding new roof and windows' MLSII14661103

8 â&#x20AC;&#x201D; Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

EAGLE CAP REALTY 1511 Adams Avenue, La Grande, OR 97850

541-963-0511 â&#x20AC;˘ 1-800-963-1206 www.Century21Ea leCapRealt .Com !

975 S. 1st Stu Union $65,000

2BR/2BA fwith an affice ar third bedraam) spa paus hving/family raam' This praperly is camplete with a fully fencedbackyard gazeba pand and a shap aOsittinganalargecarnerlat MLS4tf4546027

995 W.Hickory Pl, Union $109,900

Very nice MFH an a large 44ac carner lat 3bd 2ba hame is in very gaad candihan Electnc F/A heat/central air master bedraam/bath has walk in claset Paka shed/sha fenced MLS44 15271698

604 Jefferson, La Grande $138,000 4BR/2BA 2 car garage Open flaar plan af the kitchen dining Iwing raam has vaulted ceihng Lg master features walk in claset large bathraam with a laundrychute plus aprwate deck MLS4415326591

1602 Monroe Aveu La Grande $65,550

2107Walnut St, La Grande $78,000

28091st St, La Grande $99,000

First kme an the market in aver 40 years Open Iwing raam and kitchen makes far a great enter taining space New kle flaars in the kitchen and new winng thraughaut MLS4tf4564762

2bd Iba Vinyl siding newer raaf and new win

224 E. Hickory Stu Union $125,000

1422 Z Avet La Grande$129,900 3 bedraam has greatlayaut'Yard fenced and pn vate far summertime bbqs Nice garage/shap in the back Dnp systemfar flawer beds Newer paint and newer vin I windaws MLS44 15495233

2606 Starlight, La Grande $137,082

2406 Fir St, La Grande $120,000

Waad flaars in thehving raam Large prwate fenced back yard that sits an a carner lat MLS44 15135333

New metalraafinstalled new furnace 3 central air new gas hat water tank new electncal panel new tailets new intenar B. extenar paint new flaar cavenn s MLS44 13368020

21101st St, La Grande $154,900

65826Hemlock Stt Elgin $171,000

Patential abaunds in this 4 bedraam 2 bath hame

This 3/2 hame has it all Watch the stars thraugh Great small acreage 2BR/2BA twa nice autbuild the skyhghts in yaur 660 Sq/Ft master suite ar ings Large twa car garage with rall up daars and spend time in yaur custam kitchen with sahd sur wark shap with extra starage raam Nice 24x36 face cauntersand agascaakstave MLS4415690331 Buildingwith12 ft rall uP daar MLS441 4073486

69574 Lantz Ln, Cove $499,000

402 Scorpio, La Grande $249,000

70293 Haefer Ln, Cove $279,900

Custam built with aO af the extras' 3BA 3 I/2BR

Well cared far custam shck built hame Large fenced lat with established landscaping Cavered frantparch and back deck On a quietdead end street MLS44 14584470

Stunningviewsanlbacres 2536sq ft hamewith

Outdaar Iwing area exerpse raam hardwaad hle flaars Granite caunters Gargeaus views 5 car ara e 2 RV daars an I 5 acres' MLS4 414175775

1015 y Ave, La Grande $89,900

This hause affers I large bedraam with lats af starage Yau will enlay the upgraded kitchen and Cute 2 bedraam I bath hame with many updates bathLacated clase ta dawntawn La Grande EOU Fencedyardanddetachedgarage MLS815420018 and the haspital MLS4414689614

gargeaus views af the valley and surraunding mauntai ns The 3 bd 2 ba includes a spapaus master bedraamand master bath MLS4415074868

607 M Aveu La Grande $175,000

Beaukful well maintained 4bed/2bath Nice deck

undergraundspnnklers yard and carnerlat Banus raam and family raam dawnstairs AO new win daws Great Oppartunity MLS44 15620833

1707 Jasper Stu Cove $285,000

Campletely remadeled an the inside Hame has IBBB sq ft afhving space with 4 bd and lba New F/G/A furnace vinyl windaws winng plumbing andraaf Twa lats far sale MLS4 414051442

daws )One nan egress windaw ) HasG/F/A heat central air and aak cabinets in the kitchen One car garage/shap irngakanwell with pump MLS4415394663

This hame affers 3 bedraams and 2 bathraams with a very spapaus and apen Iwing raam and kitchen This design is great far entertaining uests MLS44 14660937

1001 Division St, Elgin $180,000 This IB90 built hame retains aO af its anginal charm with 9 and 10 faat ceihngs thraughaut Camplete elegance with 5 bedraams and I I/2

baths an adauble sized carner lat MLS814012346

510 H Aveu La Grande $339,900

One awner custambuilthamethattheyhave laved far the past 25 yearsViews custam aak kitchen cabinets attached garage detached garage/shap RV arkin MLSfl14399008

Jtk

68633MillCreek Ln,Cove$389,000 5BR/3BA hbrary/den gaurmet kitchen flaar ta ceihng chimney spapaus master suite nice raamy basement Extra large shap with guest quarters Shap has bathraam dauble daars MLS4 414094330

1412 Bonneville, La Grande$449,900

Greatviews af the pty mauntains and valley fram this 3716 sq ft hame lacated an 6ac Many up dates including the kitchen with an inland and aOaf the apphances stay MLS4 414263396

76014Hwy.82, Elgin $849,000

Includes 3 B72 square faat syap building with laft and abached equipment ar hay starage 1296 square faat harse barn with stables and tack raam Nice pandat headquarters lacahan MLS4 414372320

42488 NCedar, Baker City $149,000

Salid 3 bed I I/2bath hame an fie autskirts af

tawn Fenced yard central air cavered paka auta spnnkler system paved prcular drweway attached garage and starage building MLS4 415012966

1612Washington, Baker City $200,000

This 6 bedraam 3 bathraam hame affer lats af hv ing area lt is currently set up as a tnplex BeaukfuOylandscaped with lats af raam far yaur garden MLS4415571018

NORTHEAST OREGON REAL ESTATE

Anna Goodman Broker 541 963 0511

Pete Pnce 541 786 8080

enne@suk arlrla co

nce@ucr net.

70222Warnock Rd»Wallowa$299,500

This 22 acre parcel barders the Wallawa Rwer an the narth has water nghts 3bd 2ba 1536 sq ft cf lwing space Out buildings include barn shcp and 30 x 160 ha barn MLS819164119

Friday, May 29, 2015 -

Michael Sattem 541 963 1214 mrchaelsattemecentury21mm

Jamre Wegey 5419631207 ent. 2I@ k

16076th Stu La Grande $219,900

Tired afpaarly perfarming investmentar rearement accaunto Mull Family praperty may be lust the thing ta sahdify yaur hnanual future Fully man aged campletely self sustaining MLSII15489186

Could this h

1612Washington, Baker City $200,000

Tnplex that caneasily be canverted back ta asingle family patenaally a perfect B and B 6BR/3BA tn plex affers lats af Iwing area BeaulfuOy land scaped with raamfar yaur garden MLSII15489985

Gary Haefer 541 9631204 f 49@u

Crndy Arnoldus 541 910 8073 d L grandehomescom

812 Penn Ave, La Grande $74,500

ats are acated lust aff af Island Ave and they are aned general cammerual A great place ta start aur new business City water sewer and natural as already an the lats MLSII15462262

Kent.Copprnger 541 963 1203 entC@ucr ne

107 Island Av, La Grande $170,000

THINKINGOFOWNINGYOUROWNBUSINESSo This is a gaad investment There is aver 2000 sq ft ta wark with MLSII14206572

slsw

I 4=

1001 Division St, Elgin $180,000

1890 built hame has 9 10 faat ceihngs thraughaut Camplete elegance with 5 bedraams and I I/2 baths an a dauble sized carner1st This hame alsa cames with a brand new furnace MLSII14688659

280 N.Dewey Aveu Union $24,000

Nice size 1st in Unian waiting far yaur hame plans Ulliles are in the street sa dant delay Hurry befare its gane MLSII14989210

E. Ash, Union $29,900

1703 Chelsea, La Grande $32,000

Large 98ft x 120ft building 1st in Unian Law traffic

lacated an a dead end street Large apen area ta

Building 1st in newer subdwisian will accept M/H ar shck built hames Paved streets side walks and

the sauth afthis1st City seweris stubbed ta the 1st uty waterin the street ML5414579945

curbs MLS812158669

2416Starlight Dru La Grande$46,000

Newer LaGrande subdivisian This flag 1st is ready ta build an has a chain link fence and aOuhliles are stubbed ta the praperly hne Curbs sidewalks and drwewa are in lace MLSII15584897

0 Hwy 203, Union $24,000

Lwing an the edge al tawn» Nice size lat NW af Unian ta lacate yaur new hame an Cily services are available Elbaw raam between yau and the nei hbars MLSII15060516

2 9 07 Q Ave u La Grande $32,000

Building1st in newer subdivisian will accept M/H

ar shck builthames Paved streets side walks and curbs MLSII12262075

Squire Loop, Cove $47,500

Longview Ln ¹I I, Cove $60,000

Building site with small creek and npanan area Fantashc views af mauntains and the Grande Rande Valley Owner may carry a cantract Call Anna far details MLSII18109042

349 acres with great views af the mauntains an valley belaw Sublect ta CCB.Rs af Mt View Estates Creek runs thraugh praperly Plenly a raam far aur animals MLSII14684495

Polk Aveu La Grande $27,900

LOT 3N is 7192 sq ft OWNERWILL CONSIDER TERMS Apprax water and sewer cannectianfees are 13 1 7500 plus standard tap fees MLSII9022995

2405Watson St» La Grande$37,000

Building1st in newer La Grande subdwisian This 1st is readyta build an and aOuhhhes are stubbed ta the praperty hne Curbs and sidewalks are in

place MLSII15571448

Mountai nView Dr,Cove $65,000 2 acre building site Laaking far that special place ta build yaur dream hameo This cauld be it drwe by and have a laak Lacated an the autskirts af beaulful Cave Ore an MLSII10059777

Lake Aveu La Grande $29,900

Lat 3S is 6000 sq ft Came take a laak Owner will cansider terms Apprax water and sewer cannec han fees are 13 380 plus standard tap fees MLSII9022997

N College Stu Union $42,500

Build yaur dream hame an this 3/4 acre 1st Lacated lust Narth af the city af Unian this prap erly has the cauntry feel yau want but is slll walking distance ta tawn MLSII14522178

Mountain View Dru Cove $65,000

216 acre buildable 1stnear Cave lacated in a new subdtvtstcn that ccutd ccnttnue tc g/da Invest naw and maybe build later when the Ime is nghtoo MLSIM8661112

605 Lake Aveu La Grande $89,900

Just steps away fram the Grande Rande reer Came build a hame an this praperly ar place a manufactured hame an it The shap has many uses MLS414688545

70291 Hafer Lnu Cove $99,900

Unbehevableviews Buildyaur dreamhame anthis beauhful 1125 ac building 1st Pawer is already an the 1st and has DEO appraval far sephc system MLSII18557090

Hwy 82, Elgin $299,000

240 acre parcel lacated apprax 9 miles Narthea af Elgin Or an Narth side af Hwy 82 Tap af th praperly has greatviews af the MinamReer drai age Mix aftimber and pastureland MLSII144827

0 Q Ave, La Grande $320,000

Streets curbs sidewalks are in 4 79 Ac Currently zaned far mullple hausing passible zane change ta medium densilyresidential ar general cammer pal Passible awner carry MLSII12229877

Kerns Loop, Cove $379,000

Great praperty ta build yaur new hame an with beaulful views A tatal af 239 ac appraximately33 acres af IOable graund with 2 year raund spnngs great far summerpasture MLSII14685518

3 0 — Friday, May 29, 201 5

NORTHEAST OREGON REAL ESTATE

•

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NELSON

• •

•

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•

Reel &ete

1150 Idlewood, Baker City $122,500

3bed/Ibath great hcme lccated n a great ne gh bcrhccd Over szed lct th trees fenced back yard dcg kennel 2 stcrage sheds 6 a fenced gardenarea Ccveredpanc Ne rccf n2013and a gas nsert n 2000 MLS11 15629406

935 F St, Baker City $219,900

Excellent ccnd I/cn 6 very eg ma nta ned Over s zed 100x120m/I lct th rccm tc dr ve tc back 3 bed/2 bath plus bcnus area cff master bedrccm

Ccvered deck 3 cargarage MLS11 15288855

15343Pine Cr Ln, Baker City $399,900

Trees trees trees' Beaunful hcme Ih 4 bed rccms and 3 bathrccms cn 6 15 acres m/I tucked pnvately n the trees 2 stcry shcp and barn MLS111 5688658

14881Mill Cr Ln, Baker City $359,900

1100 F St, Baker City $210,000 Beaufful farm style hcme cn canc 1st Street Ncme s clcse tc dc ntc n I ncludes attached Ncmey cpen flccr plan that s super appealng garage and RV parkng Ths 4 bed 25 bathhas Master bedrccm has cffce/bcnus rccm attached Fenced yard easy care vnyl sdng nh lcts cf lcts cf space nh hard ccd flccrs thrcughcut curb appeal Check t cut fast" MLS1115518244 MLS11 1585661

14529Hunt Mln Ln, Baker City $239,000

3 bed/2 bath ne lamnate flccnng large deck eg ma nta ned fencedyard frul 6 shade trees 3 bay shcp Ivestcck barn nh pc er 6 a t er Prcperty s fenced 6 crass fenced fcr Ivestcck 5acres MLS111 5081258

1640 Clark St, Baker City $129,900

Bg hcme cn aver szedlct nhlarge cutbuldngs n the backyard Fenced yard 3 bed/ I I bath Great pctennal' MLS1115651498

271511th St, Baker City $69,000

Ths darlng clean 2 stcry bungalc n a quet Beaunful custcm hcme buII by Steve Farstad n neghbcrhccd has lcts tc cffer 2 bed/I bath 1998 3bed/2bath 10 acres m/I nh cutstandng Bcnus rccmupstars Ihlcts cfstcrage Lazer73 ve s' Master su te s a lcft upsta rs nh ve s Tcyc cI stave purchasedlastyear cl tank abave thrcugh Ihe all cf n d c s N ard ccd flccrs grcund Wcrk shcp and 2 stcrage sheds Frut thrcughcut MLS111 5151189 trees 6 mcunta n ve s MLS1115187628

2416 1st St, Baker City $189,900

• 0 n.

975 E St, Baker City $269,500

Check cut all Ihs hcme has tc cffer' A escme flccr plan th vaulted ce Ings spln bedrccm flccr plan largemastersute averszedyard deckand a garage Ih 4 bays 3 bed/2 bath MLS11 15655778

2750 G St, Baker City $172,500

Lc ma ntenance bnck extercr gves Ihs ranch styl e hcme a gccdlcck 3 bedrccms 2 baths plus a bcnus rccm and famly rccm cr cauld be easly ccnvertedback tca dcuble garage Nuge lct deck qu etsemng Check tcut'MLS9)4694455

950 Walnut, Baker City $39,900 3bedrccm Ibath Greatccrnerlct nhallunlfes ntc Ihe prcperty Clcse prcxmny tc dc ntc n shcppng 6 cty park C l cse tc rver path

MLS111 5406748

2120 East St, Baker City $63,500

3 bedrccm I bath Cute bungalc cn ccrner lct Lcts cf pctent al' MLSII 15598106

33735 Snake River Rd, Baker City 13748 Red Fox Ln, Baker City $349/000 Well 6 sepfc n Electr cal tc prcp

erty Other ndcates unknc ns due tc the fact that Ihe s ngle de tra ler currently nct hccked up tc

any mprcvements Traler as mcved fcr ease ment purpcses Ag permts 6 dsclcsures cn fle MLS915078752

$369,900 Ve s galcre' Beautful custcm hcme nh ve s fram every ndc N uge cpen Ivng rccm and dnng rccm Master su te cnma n flccr th 2 huge bedrccms upsta rs nh a bath rccm Ccvered parch cn the frcnt cf Ihe hcuse and deck cn back cf Ihe hcuse MLS11 15849818

50729 Hwy 30, Union $169,900

Great cpen flccr plan fcr ths 4 bedrccm hcme cn almcst 4 acres cf land Prcperty features 2 buld able taxlcts Amazngve s frcm th s prcpertythat has 3 cutbuldngs A great scenc prcperty that has Ihe peace and quet cf Medcal Spnngs

MLS915170656

1000 CourtAve, Baker City $94,900

Very cute 2 bedrccm 2 bath hcuse cn ccrnerlct Recently remcdeled Freestandng gas freplace MLS111 5584981

E l. 745 H St, Baker City $289,500 Custcm hcme cn 75 acre mf Rcuse s ts cn I lct nh 2 addIcnal lcts ncluded Ihat cauld be scld cff separately Rccm fcr anmals but rght n tc n Open flccr plan t h many upgrades Fabulcus ve s and senng cn edge cf tc n 3 car garage )850sq Ft mf) 16X32m/Ishcp IOX24m/Ihay stcrage bu ld ng eg fcr pasture MLS11 15648269

2525 Madfson Ave, Baker Cfty 18089 Cottonwood Ln, Baker City 2345 Campbell, Baker City $134,900 $369/ 500 Beaufful custcm hcme cn secluded $99/500 Class c ranch slyle flccr plan n Ncrth

Adcrable bungalc n h apartment n basement lct 4 bedrccms 25 bath dcuble garage and Neat and clean pnvate backyard t h lcts cf trees Outbuldng fenced Evenhas a zp lne fcr garage and stcrage space Very ncely updated Ihe kds' A escme frcnt pcrch very custcm' MLS915020026 5acres MLS11 15469866

Baker Ccrner lct carpcrt nh a fenced yard 3 bedrccm I bath plus basement t h 2 bcnus rccms Pellet stave tc supplement heat Great hcuse fcr great pr ce' MLS11 15694241

Ii te glii

1137 Elm St, Baker City 8 $52,020

Nce exter cr updanng cn ths 2bedrccm I bath hcme Fenced yard carpcrt and stcrage buIdng MLS111 5827798

2220 Ohio, Baker City $110,000 What A F nd Class c alder hcme nh Ihe full frcnt parch cn a huge lct nhlcts cf pctental Needs

same repa rs but very appeal ng flccr plan Lcts cf Ight and great garage and carpcrt space MLS11 15005765

1635 Clark St, Baker City $174,500 2420 Balm St, Baker City $69,500 Cute hcuse cn bg lct Ih bg backyard and detached garage MLS1114218860

Rccmyhcme th dream shcp Ncelyupdated3 bedrccm 2 5 bath hcme Ne pa nt same ne er ndc s very brght and cheery' Shcp has I/a heat and bathrccm Must See' MLSII15546584

NORTHEAST OREGON REAL ESTATE

Friday, May 29, 201 5 -

•

h ' 'I

Sngle car garage Ih shcp large parkng pad andmancuredla n nhseparatedcgrun Frulya mcve n readyhcme MLSft15425915

43911 Spring Cr Lp, Baker City $344/900 Beaunful senng' 3 bedrccm 2 bath hcme nhyard gardenandshcp CrassIhe creek and ycu have a ccuple campng spats n thetrees fcr ycur guests Endless pccl ns de fcr ycur enlcy ment MLSI114484311

IIIIIIIII IIIII IIII Ill IIIII t~I tii i ~2506 Auburn, Baker City $119,900 Updates thrcughcut Ihs beaunful 2 bedrccm bath hcme Bard ccd flccrs thrcughcut custcm cabnets n knchen and laundry rccm and beaun fulkle crk ntheknchenandarcundtheireplace

lR 1729 7th, Baker City $55,000 Clcse tc tc n Zcned Indusmal 0 ner I I carry th25%dc nfcra shcrtnmetcapprcvedbuyer

MLSI114167139

2510 College, Baker City $82,000

Duplex fcr sale Each s de s a I bedrccm I bath apartment Small fenced nbackyard andnce sde yard Carpcrt fcr I car Street parkng fcr cther cars Bccks tc qualied buyers hc sgn a ccnf dennal ty farm MLSft14437684

2248 Oak, Baker City $162,500 1315Walnut, Baker City $99,900

Rccmy cpen flccr plan t h a beaunful hckcry knchen and aver s zed laundry/3rd bedrccm area Updated very n cely Greatfrcntparch andfenced

backyard MLS814561751

1095 0, Baker City $179,900

Beaunful pnvate senng th huge yard garden area deck Ihv e s c fthemcuntans Detached garage th RV park ng 25 X 56 Guerdcn Dcuble IMde Mcble Bcme nh ccnverted garage/famly rccm MLS814524568

Immaculate tr ple de n excellent ccndmcn 2594 sq ft m/I cf lvng th 3 bedrccm 2 baths large Ivng areas Master retreat s cverszed nh cfhce space/nursery Abundant stcrage garden area desk verysunnyhappyhcuse MLSft14134814

975 Petry, Baker City $285,000 Beaukful custcm hcme

Ih l c ts c f recent

upgrades Ne knchen hard ccd granne huge deck pergcla and redfcr musc ne landscap n and s r nkler s stem MLSI114013064

3220 Campbell, Baker City $54,900 Cute bungalc

th n e e xtercr pant' 2 bed

rccms and 2 bathrccms Large backyard MLSI114641147

2595Main,BakerCity$249,900 Beaunful Vctcr an Classc nch nh hstcry near dc ntc n Large spaccus rccms updatedmaster sune and sc much mare Vntage gas freplace pergcla n back aver s zed ccrner lct Cczy ncck cff ktchen basement s inshed MLSft14699444

I•I

15849 High Country Ln, Baker 2581 Main, Baker City $106,900 Classc bungalc clcse tc dc ntc n A escme parch hard ccd flccrs lcts cf square fcctage Full basement 2 bedrccms cn each flccr

MLSI114194490

44193 Sunnyslope Rd, Baker City

1920 7th, Baker City $79,500 Adcrable hcme Ihlcts cf space rccms and star age 4bedrccm 2 bath bcnus rccms nbasement Anached shcp and s ngle car garage 2 stcry and very charm ng MLSft14573661

1000 Idlewood, Baker City $179,500 2810 Campbell, Baker City $112,000

Beaukfulne erhard ccdflccrs nthszbedrccm 25 bath hcme cn Cedar Acres Spln level flccr m/I Outbuldng t h a ddncnal Ivng space plan th separate famly and lvng rccms Large Fenced pand and clcse tc tc n Best cf bath fenced lct nh rngakcn eg Ccvered panc and crlds Fabulcus v e s n ag d r eckcns RV parkng Next t c n e ghbcrhccd park

$379/000 Beautful custcm hcme cn 65 acres MLS814559800

MLSft14316816

1514 2nd, Baker City $115,000 Stylsh bungalc nh many great amenmes Updated ktchen famly rccm large deck and clcsetc dc n tc n Adcrable hcme nh anached dcuble car garage and cverszed deck fcr enter ta nng 3 bedrccms 2 bathrccms Ivng rccm dnng rccm and famly rccm MLSI115026446

1130 Resort, Baker City $209,900 Beaunful hcme cn dcuble lct Ne ly bult shcp' Recently updated ns de Lcts cf cuts de I v ng cn deck and pakc Full fnshed basement Spnnkler s stem Irn alan ell nbasement MLSI114373488

Scl d hcme cn a ccrner lct Enclcsed sun parch fcrmal dnng area 6 breakfast dnng area Bard ccd flccrs Iyccd ireplace Usable basement / fnshed rccm 6 bathrccm Seller Ic have Ihe ncrth rccf replaced Empty bur ed cI tank Grcund has nct been tested MLSft15499022

Clty $387,000 super custcmname cn 5 acres m/I nverynce subdvscn Black alnut cab nets hard surface flccrs beaukful nle crk n bathrccms and gran te n k tchen Overs zed garager I cp Garden area and fru I trees V e s cf bathmcunta n ranges MLSft14318121

43598 Brown Rd, Baker City $369/900 Beaukful semng nh fabulcus ve s

cfmcuntans I579acresm/I aterrghts great mprcvementsncludng 3 bay shcp barn crk shcp and a very neat and clean hcme

MLS813458017

1821 Main, Baker City $160,000

A escme buldng n Beaukful Dc ntc n tlstcrc Baker Cny 50 fcct frcntage cn Ma n Street Perfect fcr reta I cr any use Very eg ma nta ned and n excellent ccndkcn MLSI115618668

MLSft12582654

Lcts cf square fcctage and amennes Pand fenced and very ccmfcrtable ns de MLSft14355099

1317Walnut, Baker City $98,500

Darlng bungalc n e xcellent ne ghbcrhccd Excellent mprcvements n e h ckcry k Ichen bathrccm scld surface flccnngs Fcrced ar gas furnace Ih Central Ar Unfnshed atnc bcnus

space MLSft12308974

1448 4th St, Baker City $285,000

2030 Main, Baker City $199,900 Breath tak ng ve s cf Ihe Eagle Mcunta n range Beaunfully restcred hstcrcal dc ntc n buldng Very custcm 2655 square fcct ccndc n the heart cf Baker Cty $31 IS Operanng fees per mcnth and $9667 ReserveAcccunt fees per mcnth

2231 3rd St, Baker City $65,000 Excellent lccakcn fcr th s 3 bedrccm I bath hcme

2620 2nd, Baker City $155,900

Ne rccf and cutsde pant n Apnl cf 2015 Spaccus and lcts cf natural lght n Ihs hcme

MLSI115001299

5 bed 3 bath hcme cn a ccrner lct Features kncny alder custcm bu II knchen cab nets Lg uklny rm a l k n pantry 6 sun rm Mature Irees / spnnkler/drp system 6 perennal beds Garage/ shcp s 32x56 /4 cverhead dccrs 6 ncludes a I6x32 heated crkshcp MLSft15028321

g 2 — Friday, May 29, 2019

NORTHEAST OREGON REAL ESTATE

If only we had this 1940s robot butler in our house! Real Estate News apul23, 2015

By: Erik Gunther We'd alI love a butler. Someone to take careofthe drudgery ofday-to-day life.A respite from the world ofdishes, laundry, and awfuldomesticchores. It's difficult to pin down exactly how many butlers still exist in today's world. A muple ofyears ago,Fortune magazine mentioned "thousands ofbutlers work at private homes, resorts, and in consulting roles" worldwide. But not at my house! The article also made note ofdiminishing interest in the job title of"butler," which has been shined up and pressed into a series of new titles, including "household manager,""estate manager," and even "majordomo." So why don't we all have our own majordomo makingus brunch? Well,economics has everything to do with it. The mst ofpaying someone to keep your house running smoothly trumps the deliciousnessofa perfectly poached egg each and every morning.

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But as seen in the video above, in the 1940sthe dream ofa butlerforevery household was alive and well. Or, well, not really alive, for the butler of the retrofuture was none other than a friendly robot. The homeownerofthe futurewould haveonly to pressa button on a handy control panel to get his or her personal robot to spring into action. The inventors of thisrobot must nothave seen farenough

into the future to know that most people stopped wearing hats in the '60s, But other than that head-scratching misstep, the robot's menu looks spot-on~speciafly the SCRAM! feature for when a robot is getting on your last nerve. Robot Butler In thevideo,we seea housewife requesta robot-prepared dinner.The robot responds in a roboticvoice fduh!I and

trudges off to open a can ofchili fwe hope it's chili) and use its butane-breath to light a romantic candle for its master. The robot emits a pleasing tone and flashes a smile to let its master know that dinner is served. We have no idea what the meter on the front of the robot is supposed to signify, but it might register the embarrassmentoftheactorwho had to don the robot mstume. As forthe idea ofa robotbutler,we've sadly made little progress in the past 70oddyears.Lastyear in Japan,SoftBank debutedPepper,a robot"designed to be inoffensive and lovable." But as Engadget noted,Pepper"doesn'toff erm uch in the way ofmanual labor or cleaning." PoorPepper.And, more important, poor us.Bring usthe robot we were promised.

Then SCRAM! ErikCunlher couerscelebrily and unique homes al radlorcom. He loues turili ng about unique homesandisinlerauedin real edata pop cullura baseball, tacos, thrtiti ng, and ui nlage and Mi d Century design.

Eastern Oregon's First 8 Onlv DesignCenter! L

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Friday, May 29, 2015 -

Spring has sprung: existing-home sales are up—and prices, too Real Estate News WPltt 22, 2015

By: Chrystal Caruthers Thespring season isclearly a busy one; Existing-home sales climbed in March to their highest level in 18 months, sendingtheprice ofa home up 9% overa year earlier, according to a report today from the National Association of Realtoi's®. Existing-home sales rose from 4.89 million in February to 5.19 million in March,a 6% increase across themuntty, driving prices higher. In the Midwest, pricesrose nearly 10% from ayear ago.In the South, prices climbed more than 9%; in the West they rose 8%. That may be goodnews forhomeowners,butlessso for buyers. "There' sno question that aff ordability is declining in tandem with prices rising," said Jonathan Smoke, chief emnomist for realtormm®."Thatsaid, we see more than halfof inventory nationally affordable formedian-income households, so there is affordable inventory."

According to the NAR, inventory climbed about 5% to 2 million existing homes available for sale. While that's up 2% from lastyear, it's still just a 4.6-monthsupply ofhouses atthecurrent sales pamA six-month supply is mnsidered a healthy market.

About40% ofthe homes sold in M archwere on the market forlessthan a month, acmrding to NAR All-cash saleswere down, acmrding to the report,w hile the shareoffirsttime buyers was up slightly. Condo sales showed the biggest improvement, with an

11% increase in sales, while single-family home sales rose 5.5%. The Midwest led the nation with a 10% monthly sales increase. Monthly sales rose just under 4% in the South and 6% in theWest. Smoke expects sales activity to mntinue rising, because in most parts of the country it's still cheaper to buy a house than it is to rent an apartment. With mortgage interest rates still hovering around 4%, affordability is not a factor; however, the market is expecting interest rates to rise this summer."When that happens, itwill be a double-whammy," saidSmoke as home pricesand interest rate hikes will mmbine to make homes lessaff ordable. To buyerssearching forand not finding a home in this tight inventory environment, Smoke says, be patient but also be prepared to act."'11ght supply situation often leads to multiple offers on highdemand homes,sogetpre-approved fora mortgage and be ready to put an offer as soonas you find that dream home."

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'I 4 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

A brief history of opening our homes to

totalstrangers (aka the open house) m ymongageinst dercom Rp/tf 21, 2015

By: Rachel Stults It's spring, and that means homeownersacross the country are throwing open theirdcors forstrangers toentertheir homes, test the water pressure of their showers, and judge the qualityofthe magazines displayed artfufly on their coffee tables. Yes,it'sopen house season. Why now? Well, as the spring and summer home-buyingseason begins,our society enters into this weekend ritual in in American real estate? Was there ever a which we smur the latest home listings and set aside our Saturdays and Sundays time when they didn't exist? Whose idea for open houses all in the hope of finding was it anyway? thatdream home we can closeon and A qfyild West era' for real estate move into beforesummer's end. It tums out, the open house is a tradi Itwould seem strange, were it not tion that started over a century ago. part ofwhat feels like an age-old tradition. Until late 1919, there were no license That got us thinking how did l aws anywhere in the country,so basiweekend open houses become a standard

cally anyone muld declare himselfa real estate broker. That meant when a home was for sale, anybody muld pop a sign on a property to advertise the home. Potential buyers had their pick ofwhom to contact about the house. People r 'w' a ' who were really trying to make an honest living out of real estate had a hard time distinguishing themselves from "curbstoners"Mishonestbrokerswho were outto make a quick buck,said Frederik Heller,m anager of the library and archives at the National Association of Reaftors®. IThe NARwas founded in 1908 to raise the professional and ethical standards of the real estate industry) "The early 1900s were a sort ofWild West era for real estate brokerage," Heller

said."Sometimestherewere dozens of yard signs ofbrokers trying to sell the same listing. You fthe buyer) would just pick the agents you knew~r throw a dart at the signs." Realestate professionals,ofcourse, wereencouraged by theirlocalassociations toask permission to place a"forsale" placard on a property they'd get to know the owner that way and earn their trust. So how did we get from a property littered with signs to the modem-day open house? It all came down to the institution of "exclusive mntracts," under which a single brokerwould beassigned to sella property. It's not clear exactlywhere the concept ofexclusive listingmntractsoriginated, but they first took hold in major cities where local real estate associations were established. The cities included Chicago, Baltimore, San Jose, St. Louis, and even Toledo, OH fwhich developed a model for

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NORTHEAST OREGON REAL ESTATE exclusive contracts that soon was copicd in other cities.) So instead ofhomes being sold by anyone who happened to find the right buyer with the right offer, real estate brokers now had access to the property and its owners and muld invite the public in to tour the home. Enter the open house. • waThe 1910s;The firstrem rdedopen housewas held.Then callcd "open for inspecti on,"theseeventsoff en spanned daysand sometimes even weeks. Primarily used to show new homes at first, these home"inspections" gave the public an opportunity to see some of the new architectural mncepts fsuch as kitchen layouts) and convenient technologies fsuch as electric lighting) that builders were incorporating into homes after World War I. Homes would often be open daily, from 9 a.m, to 9 p,mu until a buyer was found. Brokers spent all day at the home, so they could represent only one listing at a time, not multiple listings like they do today. • 1925: The NAR's National Real Estate Journalprofiled a broker in FortWayne, IN, who had a "brand new sales idea"

Friday, May 29, 201 5 to show homes that were completely furnished faka staged). • 1980s; Real estate mmpanies began to employ multiple agents, allowing them to take on multiple listings. • 1980s and 1940s; Real estate agents began seeing open houses as a"personal marketing tool," Heller said, using mntactsthey made atan open house to market other listings that might be right for the buyer. • 1940s and 1950s: In the wake ofWorld War II, as men came home from armed service and rejoined or started families, the real estate market took off With radio and newspaper ads, properties weren't on the market long, so agents muld reduce the amount of time they opened homes to the public. • 1950s;Term inology changed from"open to inspection" to"open house," and Sunday became the standard openhouse day. It's difficult to pinpointwhy, but Heller thinks it might have had to do with "blue laws" that made it illegal to complete a business transaction on Sundays. Therefore, Sunday became the ideal day to show a home and line up a potential buyer but then mmplete the

sale during the rest of the week. • Visitors on the patio of Howdy Howard's Holiday Home in Dallas, TX, during an open house in late 1952. Originally publishcd in the National Real Estate and Building Journa, March 1958. INARArchive) • Visitors on the patio of Howdy Howard's Holiday Home in Dallas, TX, during an open house in late 1952. Originally publishcd in the National Real Estate and Building Journa, March 1958. INARArchives) • 1952;Thisisthe firstrem rdofincentives being used to attract buyers to homes. A Dallas Realtoi® selling a model home in a new subdivision of'fered free soff drinks to visitors and a Cadillac to the lucky buyer. A whopping 80,000peoplevisited theopen house. • The past60yearsorso:Oddly,not much has changed. That's because"the method works," Heller said. Despite the advent of the Internet, virtual tours, and other technological advances, the useofopen houses has remained fairly steadyover the past20 years.Acmrding to NAR's 2014 Profile of Home Buyer & Sell ers,only 9loofbuyers purchased

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a home that they first saw at an open house, while 5lo met their agent at an open house. At the same time, though, 44/o ofbuyers used open houses as a sourm ofinformation during the home searchpromss.Little haschanged from 20 years ago: In 1995, 41/o ofbuyers used open houses in their search proces;5 lobought a home they firstsaw at an open house; and 8lo first met their agent at an open house. Even as we've evolved and moved online,the format oftheopen house has remained much thesame. Sure,we've tweakeditsome over the decades.Some open houses have increasingly bemme a marketing platform, going over the top with lavish cocktail parties, live bands, free massages, and glow-in-the-dark raves. Others have begun capitalizing on our ever-evolving busy schedules and buck the trend ofbeing held on Sundays. But at the mre of it, the modern open houseconmpt hasn'tstrayed toofarfrom whereitallbegan over a century ago. Rachd Stutts ouerseesbuying, selling and finance news at reattorcofn A Ncstwille natiue and former newspaper rfporter, Rachel loues atohing stand up comedy, beaches and haraohe

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1 6 — Friday, May 29, 2019

NORTHEAST OREGON REAL ESTATE

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NORTHEAST OREGON REAL ESTATE

Friday, May 29, 2018 -

'l7

What not to do after home loan pre approval mymangagernsrder aam Apnl 27, 2OI5

By: Lee Nelson He couldn't believe his client drove up in a newcaraweekbefore her house closing. That's not a good thing. "She came into ouroff ice and was so proud ofherselfthatshebought this new carto go into her new house,"saysIrv Shnidman,branch manager atMovement Mortgage in Baltimore."She told me to come outside to look at her shiny new Cadillac. I was shocked." Purchasing any big ticket item or taking out credit to buy anything can stop a mortgage in its tracks. In fact, for his client, buying the vehicle killed her debt to income ratio IDTD, and she was not able to purchase the housethat she was under contract to do. The transaction just didn't happen, and her dreams went down the drain. After Home Loan PreApproval, Keep Everything "As Is"

Buying a home has a lot of moving parts.But afteryou getyour mortgage pre approval, avoid certain actions to keep things status quo until all the papers are signcdi, and you have the keys to the door. "FannieMae and FreddieMac are now saying that the credit must be pulled fornew balances 48 hours before a closing, "hesays."We had somebody who went to multiple fumiture stores and bought a whole house ofnew fumiture all on credit I was the one who had to tell him that they won't be closing on their house the following day as expected. That person didn't quite get it." Their response to Shnidman: "Now, what am I supposed to do with all this furniture that is going to be delivered in a few days?" Lenders throughout the aountry have horror stories like this about pcople who just didn't understand that a pre approval doesn't guarantee that their loan is set in stone. "When we have a clientaome in,w e give them a guide of the dos and don'ts.

We have important things that we tell them not to do," he says. Don't Make These Common Mistakes After Home Loan PreApproval Don't quit your job "Basic as itsounds, quittingyour job will stop the mortgage process. I haven't had people consciously quit theirjob, but I've had clients lose their jobs or change jobs.And those can have the same aff ect depending on if it's in the same profession orsame company or ifthey beaome self' employed, "Shnidman says. A pre approval depends a lot on someone's ability to repay. So when the lender sees thatyou no longer work at the same plam, there will be red flags. And ifyou decide during the process thatyou just want to work for yourselfand start yourown business in the same industry that could be a big negative affect on getting that mortgage. Don't make a major purchase Buyingappliances, outdoor furniture or anything that is a big ticket item can

be a really bad move. Ifsuddenlyyour checking or savings acaount drops by a few thousand dollars and that money had been earmarked in your home loan pre approval to help with the down paymentor closingcosts, itwill hurtyou. The lender wants to know what money is coming in and what money is aoming out. Don't take out any more credit Yourfavorite furniture store hasan amazingdealforyou — 48 months sameas-cash offer, and no payments for 12 months. You can getall the fumitureyou need foryour new house. Butwait. Even though you don't have payments to start, the lender will count payments as ifthey were due immediately. "Even stay away from free offers. For example,ifsomeone at a ballgame offers you a free umbrellas for getting a new credit card, just kindly refrain during the mortgage prccess and go buyyour own umbrella," he says. conrirmd on page 20

Compass Real Estate is proud to introduce the newest agent to the team. Meet Abby! •

•

Abby pndes herself on her professionalism and stnves to satisfy her clients needs and deliver the property they've always dreamed of owning. She has lived in Oregon her entire life and loves its beauty, people, and culture. Abby enloys going to the Lake in the summertime, hiking, camping, reading, going on motorcycle ndes with her boyfnend, going to the movies, and spending time with her sweet puppy Emma. W hether you

are looking to buy or sell a home, Abby is happy to help make the process as easy, quick, and enloyable as possible.

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g 8 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE 4

• •

•

MLS.

•

www.valleyrealty.net "% ftgtl

•

1806 26th St, La Grande $39,900

Nice Hillcrest daublewide with 3 bed raams and 2 bath This 144Q / sq faat

hame has a cavered carpart with star ageshed wnylwindaws and siding and new camp raaf in past year All apph ancesstay Ready faryau ta mave in Sp rent is 25Q and includes sewerwater and garbage MLS814304591

8L .»r'4, u "eh

341 N. 7th Aveu Elgin $65,000 19BI Liberty manufactured hame with

garage/shap Newer laminate flaanng IL newer kitchen cabinets mast windaws are updated wnyl windaws 4BR/2BA lats af built in starage The garage has a nice shap/warking area starage raam plus raam t a p ark a v e hicle MLS814675438

.t.

434W.Jefferson St»Union $99,999 P

365 N7thAve»Elgin $89,700

Well cared far 2QQQ Marlette with 14Q4+/ square feet 3 bedraams 2 baths and an island kitchen plus 4QQ+/ square f aa t st arage b u ilding MLS814082658

1607Adeleyerrace, Elgin $89,900 Threebedroomhomehas new raaf vinyl siding and windaws new flaars bath updated gas heating stave kitchen stave ceihng fan in dining raam MLS815560864

Linle dynamo'You wont believethe remodel ot this classic 60s singlewide Theres an almost new oversizedgarage/hop with 220 and two entrances The 100 X 105 lot is completely tencedwith 6 chain hnk sa yaur garden will be cntter free and its plumbed with spnnklersi lts a beauty' Came see' MLSII14535972

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-' IIIIIS

1205Benton Av,LaGrande$97,500

3BR/2B» MFwith carport exrra parking open tloor plan partially tencedyard Kitchenhasan island and is open into the tamily room Well insulated vinyl wmdows electnc turnaceand central air condiffonmg Owner is negohable may bewiling to credit buyertowards newcar peting MLS415619507

0RoseRidgeRd,Cove$39,900

Lot I m RoseRidgeSubdivision Beautitul one acre lot in Cove with valley and mountain views readytor yourdreamhome' TheCity ot Cove is readyto issuebuilding permits and all utihhes available DEQ hpproved tor Conventional SandFilter System Water avail able at thestreet ML6414571683

500AlbanySt»Elgin $166,850

4'f

90112thSt»LaGrande $130,000

Spectacular view lot on the southside ot La Speaal turn ot the century 1889 IBROB» is Grande' One ot the best view lots in La 72406yarringtonRd»Elgin 11062ndSt»LaGrande $116900 Very nicely kept 1997 dauble wide an moveinreadywith2516sq ff m/I Gashreplace Grande approx 2BBacres m/Iwith aty uhlihes 1998Libeny doublewide manutacturedhome 75x24BlatinEIgin 3bdrm/2bthspaciaus $165,000 msert 2 baywindows highceilings newtloors available Views ot the Blue Mountains would bepertect asastarter homeor tor abusy kitchenvaulted ceilingswaadstave EFA Country one bedroombungalow on apprax beauhtul kitchen all apphances dining Wallowa Mountains as well as the Grande collegestudent Lowmantenance tencedyard furnce new vinyl windaws and carpet 12 beauffful acres nartheast af Elgin an raam large masterbedraam fffbathwith RondeValley 4 new homebuilt here would with a detached smgle car garage' ing raam far shapgarden ar RV park Yarnngtan Raad Nice large spnng fed walkinclaset Landscaped fencedyard havepnvacyandthe convenience otlwingin MLS414276450 ing MLSII13647397 pand MLS815036990 town ML6414541104 with deck garage MLS814259588

1800CedarSt»Elgin $124,000

1210 ADAMSAVE$48,500 71867 Palmer Junction Rd, Elgin $171,000

2409 E. 0 Aveu La Grande $183,500

Well established Thirty Year Busmess being otteredFORS»LE»Theownersare retinngand TheLaGrande Bible Book 6 SupplyBusiness Opportunity is open Inventory includes BIBLE S'BOOKS'MUSIC'C»RDS'GIFTS'MOVIES'6 more Great potential 6 plenty ot space to 41016thSt»LaGrande $199,000 expand this business with addihonal plans 6 3bdrm/35 bath twostory homeon South LG ideas Enloy tathtul tnendly supporhveclien New kitchen remadel added dayhght

Excephanal 3BR/2BA hame has apen Ten acres m/I lust a few minutes fram flaar plan vaulted ceihngs central air Elgin Oregan Set up with a 1972 candihaning aak cabinets fresh paint manufactured hame with shck built Jacuzzi bathtub tankless hatwater addihan that includes a partial base heater walkin claset in master wnyl ment Outbuildings include a small windaws large fenced backyard deck tele baseAssumelease agreement on excel harse barn shap bldg IL garden shed autamahc spnnklers attached garage lentcore downtown locahon hskmg 48500 MLSII13332444 MLS814176206 MLSII15564942

100621st St»LaGrande $207,500

raam 2 car garage and clase ta all

Recent remodeltabulous kitchen and granite countertops brandnewappliances hreplacein hving roomwith granite mantle tamily raam large enaugh far the big screen and a paal tablei New paint vinyl windaws

dawntawn achvihes Landscaped with nicedecksupand dawn MLSII13445364

parking MLSII14598355

plus large attached twa car garage RV

1008Frontier Court, LaGrande $36,000

Attordable 69 x 84 buildable lot on Frontier Court with natural gas electnmty phone

cable water 5 sewerto property tap teesare paid Pavedroad very convenient locahon in La Grande City set backs are 16 tront 15 back 5 sides Ready tor that new home'

Mksffsoen2

B'I •' ga P

70379Valley View Rdu Elgin $213,900

3BR/2BAwith 3+ beauhful acres 2 car+

garage and harse barn with tack raam Garden shed far all af yaur yard equip ment and ug spnnklers Fully fenced with creek running alangside Ihe prap erly This is a perfect properly for

horses and other antmals New Septic System MLS814197901

1901 Linda Lnu La Grande $226,900

Very nice 3 bedraam 2 bath hame in ane af La Grandes presffgiaus hausing areas Remadeled kitchen sunken hv ing raam hreplace and 2 carattached garage an carner lat Just a chaice hame A must see Owner has naw put in all NEW carpehng thraughaut hame MLS81 4629934

17082ndSt» LaGrande $269,900

Beauffful 1912 calanial hame very large lwing raam farmal dining 4th flaar raam with starage may be anather bedraam Newcarpet updatedkitchen reardeck fruit trees built ins wine cellar aver sized I car garage with warkbench and starage cabinet F ull b asement MLSII14580553

62429Starr Ln»LaGrande $274,500 Sel hng asis pnced to sellSohdhome needs updating 3 bedrooms 2 baths hnishedbase ment Goodprospecttor cleaning paintmg new tloor covenngsHas several outbuildings sea sonalcreek homepasture MLSI15470280

1509WalnutSt»LaGrande $259,000

16x20shop bldg prwate backyard with14x40 redwood deck Builtin cabinetry hardwood tloonng spaaous lwing room with hreplace dining room remodeledkitchen large bed rooms, basementwith family raam and starage twa cargarage MLSII13396065

73551Hvvy. 82, Elgin $189,900 4 great 160 ac piece with building site and

power needs well and sephc pnvate and wews Hunting orchard and nice spnngat S end raiseyourcowsandhorsesML6415070758

NORTHEAST OREGON REAL ESTATE

Friday, May 29, 2015 -

• 44422

10603Emily Dr,lslandCity $299,900

69566 Haefer Lno Cove $309,000

53100 Hwy. 203, Union $359,000

25080 AvsuLaGrande $390,000

It you canstand elk, deer, cougar, bear, Wraparoundporch home othce oak kitchen turkey, grouse and probably a wolt with pantry 5 stainlesssteel appliances mas Beauhtul customhomewith plenty ot roomtor Totally remodeled tarmhouse wtth Thls Is It Two LOP tags tor deer and 2 ter bedroom sutte, basement tamdy the enhretamilyi This 4 bedroom 2 5bath gem 3tdrml15bth, new master bedroom, LOP tags tor cow elk on thls Ityl acres room 3 exercee room, plus walkln has aseparateolhce bonusroomtully tenced landscaped, pond, garden, water wlth nlce 1320' cabtn, outhouse, gen satel Remote operated bhnds, Inter yard with covered pahotor entertaining The nghts, large old barn, machtne shed, erator, kttchen, 6 queen, I twln beds In com system,budtInvac,pnvacytence, gorgeouskitchen is opento the diningareaand very Ig shop, other outbuddtngs, anon lott and pnvate bedroom, plus hvlng patto, hot tub, ug spnnkhng, 3 car tamily roomMLS415447652 garage MLS4I10063120 2 ac MLSft14286729 room MLS4I14436238

71787Hwy. 82, Elgin $750,000

I73 IOacres mll spnngted pond evergreen trees truit trees tarm ground large shop Located lust north ot Elgin Very nice custom 1212VAvsuLaGrande$29,950 home approx 3600 sq teet maple hard wood 3 tile tloonng, granite counter Very nice level lot with uhhhes at the street tops, statnless steel apphances, wrap Come and build your home or put your Manutacturedhomeonit MLSI15364218 around deck, 3 morel MLSft13232560

98 2NDST $158,000

305 Meadow Ct. La Grande $269,000

Simply attractee 4 bedraam I I/2 bath raam ranch slyle hame in quiet sauth side lacahan an a nicely landscaped Hame has beauhfully remadeled kitch carner lat A bnght remadeled kitchen en 5 B/R 2 I/2 BA separate affice 590N131'HAVE$85,000 has an affice center as well as ample starage raam alarm system garage Large North Elgm tenced corner lot teatures starage Fram the kitchen yau can wsit with warkbenches Nice entry with large solidhxer upper home wi t h lots ot potenial tor with the dining raam accupants ar exit rack fireplace in hving raam with sepa rate family raam AV high end apphanc morethan 2bedroomswith oneI "l4 bath and ta the backyard thraugh shding daars es stay with hame including extra uhlity roomalso workshop I leanto attached The leing raam is central with large refngeratar in laundry raam Large Remodel I, restorethis I942singletamily dwell picture windaws The canverted garage fenced back yard garden area paia ing to somethingspeaal again' Kitchen stove is bath warkshap and warkaut/habby and dishwasherincluded MLS4I15536173 raam Call ta see naw' MLS815044383 and RV parking MLS812503128

210RUCKMANAVE$144,900 Thi shome isspaaous3 bedroom 2balh Some water damageoccurted andwill needhxingby buyerOwnerwillcartycontracttorashortterm 4 great opportunity to tix andlee or tlip Huge lot withtwocargarage/shop andstorageshed truit trees and room tor the RV and toys MLS415236715

590DIVISION51' $139,900

Well kept 3bedroom(with 2addihonal roomsm basement) I bath home in quiet Elgin neigh 0 Earnest,Elgin$55,000 borhood Has an oversizedgaragezhop with Beauhtul 222 acre parcel waiting tor your RV dooe tor a0ot your toys' Large cornerlot dreamhome shopor barnwith plenty ot room hot tub tully tenced well tor irngahon to spare Thesite haspower gas nearbyand Hardwoodtloors lots ot storage newer vinyl the sitehasbeenDEOapprovedtora standard windowswaiting faryaurpersanal tauch septic system Owner tinanong terms are es' MLS815278672 available MLSI14380017

Imm •

804 8AVE$124,500 Thi s3bedroom 2bathcodagein southsideLa Grande has great street appeal I, potential Ownerslove the lay out the remodeledkitchen I, dining area olhce preate master suite with

66914 ENDRD$318 000

The perfect hame sethng wit hmber preacy 477 m/I hmbered acres and anly a few minutes fram La Grande pahoaccess spaaous bedrooms large cov ExcephanaVynice remadeled hame has ered pahoandnice back yard Separate shop a beauhful kitchen' Large leing raam laaks aut aver the view 3 bedraams 2 bldg behindhouseottee mare patential ft has alley access Gaad family hame ar baths attached garage ft large shap patential ta make inta a duplex building This wanl last call taday' MLSII15667783 MLSII15318084

Beauhful Galden West 2002 dauble wide very well kept Mave in ready with 3bdrms'2bths fenced yard and nice cavered back parch laaking anta the Elkharns Perfect rehrement hame Clase ta the Haines steakhause AV apphances stay Came get it MLS4t 14463065

1003JACKSONAVE$79,500

This solidconagehasa lot ot speaalteatures Freshlypaintedexlenor with asun porch uhlity

room mudroomand asmall oldtashionedroot cellar A tenced preate yardcharmingly land scapedwith mature shrubs andtlowee Alley accesstoahuge2cargaragewithelectncdoor openee make this an outstanding investment as a rental rehrementprolect hrst homeortlip MLSII5513138

44179LONEPINERD$339,900

70409FLETCHERLN$324,800

A hometor Ihe ages only Iwo ot itI type in

Beauitul custombuilt Chalet homelocated on l2 remoteacres closeto CoveSchool Distnct Super energy ettiaent construction tor warm coe comtort this well designed 3 IVR 2 I/z bath homehas amazing kitchen abundant stor age undergroundspnnkler system I a wrap arounddeck overlooking pinetrees wildlite I, sunsets m this unique paradise semng MLSII5001865

north east Oregon earthrammed meaning built to last' Four bedrooms 25 baths with

Homeis3bedroomI 5bath smallbasement steel raaf vinyl siding 2 bay carpart

large 2 car garage large 3bay RVpark ing ald barn and ather sheds alley access aV an the auter edge af Baker MLS8 14255635

solar propane wood this is asurwval home on approx 5 acres absolutely gorgeous inside REALLYyou have to see it ahh the tranquility ot it On approximately 5 acres with orchard chickenhouse Again lust absolutely UNIQUEand built to endure anything MLSI 14275130

500 NI6th AvsuElgin $29900

LargeLOTOnly house is unleable buyer to remove AVuhlihes power water 5 sewer and natural gasare in and readytor newhomeor manutactured house to be setup Corner lot size will be 05 x90 MLSI5237356

1421S Avs, LaGrande $162,000

Two homes tor the pnce ot one plus a largeshoplRV garage on a gorgeous 25 acre lot Large garden plot, anment aprnot, plum and hazelnut trees, lus mous ldacs, Japanese maples, prohtlc chmblng rose, elm hedge and ather enchanting plantmgsMLSI15443993

118MainStu Union$99,000

1705WALNU1' 51' $82,500 Buildmgis gunedand ready tro any new bustness It has ben remaved tram the Excellent locatontwobedroom I bath vinylsiding Histancal register sa anythmgcan be dane vinylwirdowsrpodroot appliancesincludedgmheat with it Mahvated please bnng all atters ott streetparting dak cutetact yard I veryattord abl e MLS¹IM36058 MLS47804772

0 HighValley Rdu Cove$199,000

TThis l9ac. piece is lust what yauhavebeen laaking tar lt is deidable ar make it yaur awn small tarm Water andpawerare at the raad Veryclase ta Cave andpncedta makemaney ar build yaurawncastle MLSII4583886

20 — Friday, May 29, 2019

PRE APPROVAL continued f om page17

Don'tdeposit unaccounted cash into bank accounts A letter of explanation needs to be given to the lender any time you depositmoney besides salary or wages. The lender doesn't want to dismver too late thatyou have been stashing810,000 under your mattressand then decideaher the pre approval to put it in the bank for safe keeping. Staying honest about everything is important. Don't miss a payment on your credit cards and loans You have been so busy looking forthe perfecthouse thatyou forgot to payyour Visa and Sears' bills. Oops.Late payments can make your credit smre plummet to below where the lender needs it to be to give you the mortgage you want at the rate you want. Plus, the lender can be thinking that ifyou can't

NORTHEAST OREGON REAL ESTATE

even make monthly payments on credit cards, what kind of homebuyer will you be and will you forget to payyour mortgage? Get (and Keep) a Home Loan PreApproval You need a home loan pre approval to seriously look at homes. Without one, a real estate agentwon't even show you a home. Thatmmes asa surprise to many home buyers.

WHAT NOT ' TO 90 AFTKR HOMK LOAN PRK APPROVAL

Get a pre approval, then follow the above advice to keep it valid. LeeNelson writrs for nalional and regional magcui nes,websiles, and businessjournals Her work has ap pearedinYahoo!Homes and many Hmrst publiealions such as Ltfem HOme and Wamenpor WOrk Seemore alt httptI I mymortgugei n ddercom/ home loan preapproralmistakes 6907I Iidhaskofto RnBx dpuf

Your home loan pm approval is necessary to make your home purchase a done deal. But the wrong moves can make that piece of paper worthless.

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Monday-Friday 9:00 a.m. - 5:30 p.m. Salurday 9:00 a.m. - 12:00 p.m.

NORTHEAST OREGON REAL ESTATE

Friday, May 29, 201 5 -

- ('541) 963-5450 FAX (541) 963-6551

1526 Jefferson Avenue, I La Grande, Oregon

www.ranchnhome.com @ MSS. ~

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541.963.9268lee)

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10 ACRES MIL PRESSURE IRRIGATED VALLEY VIEW IN THE MT GLEN AREA 3 bedrppm 2bath Vaulted ceilings with exppsed beams wpnderful wew pf the valley and Mt Emily Over 100 sq ft pf decks beaulful rack

hreplace $495,000

CQMMERCIAL LANDZQNEDINDUSTRIAL 5 • acres with 60 tpn truck scale and several buildings Sell will cpnsider exchange pfland pr ptherperspnalprpperty $550,000

CarolynRoylor

P cpalBoke

061 P cpalBoke

Pasture great garden fruit trees 1554 sf hpme large hving rppm family rppm and kitchen Large ulhty and mud rppm Several alder farm buildings fpr stprage pand and

WALLQWA LAKE HQME-Westside pf the

creek $285,000

Pnvate decksand dpck $899,000

lake 3200 sf hpme with fantashc views pf the lake and mpuntains 4 bedrppms 3baths large kitchen and hving rppm Greatfpr entertaining

8 okw

541-786-8822cen

3 BEDRQQM, 2 BATH WITH CQVERED BACKDECK Includes agarage $154,900

HQMEWITH A VIEWQF THEVALLEY AND QF MT FANNY, pn 3 43acres mh great fpr a 431 ACRES QFFQQTHILLS JUSTQUT QF

built already Build pn pne and keep the pther pne fpr future investment $127,500

UNIQN Beautiful ranch hpme pn 43i acres 2400 sf shpp with full bath and bunk hpuse 2400 sf hay barn Wpnderful kitchen 3 BD 2 bath IB96 sf plus 600 sf garage Lpts pf water pn rangeland Gppd well and ccncrete sephc $585,000

NICEDQUBLEWIDEHQME,3BR2BA, updat

A GREATINVESTMENTFQR DEVELQPERS

ed bathrppms with walk in tub/shpwer water hltralpn system and hpt water pn demand in

planning tp build a subdivisipn in the urban

SMALL ACREAGEHNCQVEAREA 2build ablelpts being spld as pne Rpad has been

CQMMERCIAL PRQPERTY 12 + ACRESat Baker City $900,000

hprse pr twp gppd pasture new fenpng/crpss fenced Inp barbed wire') BUILD ON PROPERTY WHILE LIVING IN THE SMALL HOME' Has a 12x36 Barn w/feed rppm a 12x16 Stprage shed/tackrppm new 12x24 hay stprage leantp hpme has vinyl windpws installed $126,000

GREAT BUSINESS QPPQRTUNITYH Fprmerly a tpwing cpmpany sp already set up with secunlyfence pnvaterpad 2 bay garage with hft and builtin air cpmpresspr pffice attached Ieing quarters with twp beds pne

bath secure pffice stprage barn shpp and metal cabanas Ideallpcalpn tp startypur pwn business' INCLUDESTHREELOTS $240,000

kitchen garage cpvered/enclpsed parch and a cpvered wppd stprage area UG spnnkler sys tem fruit and shade trees fenced has elec tnc gate $133,000

CHARMING 3 BEDRQQM NQRTHSIDE BUNGALQW pn a dpuble cprner lpt Large back yard Hpuse freshly painted inside with small

QUIET SETTING 3 BR I bath Natural wppd siding $133,000

cellar pantry and laundry rppm One black fram G R River 6. 2 Blacks fram Bentpn Park $99,000

MEASURE 37 PARCELS Nice area pn the edge pf Imbler New street DEQ apprpved fpr pressunzed sandhlter systems Well depths between 60 150 Prme includes DEQapprpv al cpmpleted fpundalpn bluepnnts well and fenpng Seller has installed cpntinupus fenpng arpund the prpperty $105,000

ready fpr use Parking pad has been installed pn the prpperty fpr 2 cars $325,000

HISTQRIC HQME BUILT IN 1886 QN I 6

30 ACRES QFCQMMERCIAL PRQPERTY, develppment area pf La Grande Prpperly ZQNED AND READYTQDEVELQP Acrpss pffers B16 acres with ppwer and water avail able City Planning Department has aprpppsed Master Plan fpr develppment that has been apprpved $275,000

BEAUTIFULLQTQNWALLQWALAKE WITH QLDER CABIN Place fpr a dpck Vacant and

fram WalMart Superstpre Largest tract pf cpntigupus cpmmerpal prpperty in Unipn Cpunly Call Jphn Cplhns Brpker fpr details 541 962 5571

CUTE LITTLE HQME that has been rempd eled New kitchen and baths Fenced yard deck pversized lpt with prcular cpncrete dree way 3 BR 21/2baths $129,500

ACRES within 2 miles pf La Grande 5 BR 2 bath rempdeled hpme with cpuntry kitchen and

large Ieing rppm Oversized garage shpp cpm binahpn Lpts pf fruit trees and great garden spat New cpncrete seplc and lpts pf flpwers and trees surrpunding the hpme Passible pwner terms withlarge dawn $197,500

A MQVEINREADYHQMEIN UNIQN Ready fprpccupancy Brand new camp rppf Gas stave washer 6.dryer freezer refer cppktpp 6. pven Same furniture is alsp included if Buyer wpuldlike it 2 Bedrppm 2bath with extra large leing rppm Pnced tp sell at $55,900

~ 99agg Ihg ggha 8N2VM&gtcmrfg

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CERAMIC TILE & LAMINATE FLQQRING Large hwng rppm Enclpsed frpnt parch Cpvered back deck Nice large fenced yard Gppd rppf lpw maintenance metal siding 2 lpts clpse tp dpwntpwn and an amenities $83,500

•n I•

CUTE LITTLE 2 BR, I BATH BUNGALQW

VIEW LQT Creek Sandfilter system is in clpse tp serwces Fenced back yard Rents fp Small acreage subdeisipn $ 55,000 3650 00 per mp $69,500

9+ ACRES WITH A VIEW Sewer water 6. ppwer available $139,000

30ACREPARCELWITH PQTENTIAL FQR3 BUILDINGSITES R 3zpne seaspnal creek 3 BR 2 Bath sphtlevel hpme pn a beauhful land scaped yard Lpft barn shpp dpuble car garage and machine shed $595,000

22 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

Home prices cool off, spelling opportunity for buyers mymadgagerasrder aam nprrl 20, 2015

By: Dawn Papandrea Experts knew home prices had to aool down atsome point, and itseems that it started to happen toward the end of2014 and early 2015.According to the S&P Cash/Shiller index, annual home appreciation in 2014 was at about 4 percent, compared to 12 percent in 2012, and there' sbeen a gradual slowing down month after month. AccordingForbes,economists expect the home price slowdown to aontinue forthe restoftheyear.Stan Humphries, Zillow's chiefeconomist told Forbes;"The slowerpace ofhome value appreciation we'vebeen seeing forthe pastfew months isfurther proofofa market in transition, getting healthier as it returns to growth driven by fundamentals like more jobs, higher incomes and improving household formation." Tapering Home Prices Good Sign for Market

One ofthe reasons forthe aooldown is that there are fewer investors in the market. As explained by real estate reporter Jonthan Hom of UTSanDiego. aom, the aounty's housing market topped out in 2012 when investors began to run out of properties to fix and flip. Add to that a decrease in foreclosures in 2014, and home pricesonce again are being determined by more traditional factors like employment,wages, supply,demand and interestrates,none ofwhich areconducive to double-digit annual appreciation. So have we oftciafly le0 the reaovery period into a more slow and steady growth? That seems to be the aonventional wisdom, with Realtorcom predicting an annual gain of4-5 percent.And that'sa good thing, according to economists and housing market experts. A more stabilized appreciation rate is an indicator that the market that healthy and growing, but not heading toward a housing"bubble" that causcd so much trouble a fewyears ago. As quoted in CBS.com, Patrick Newport and Stephanie Karol, U.S, eaonomists at

IHS Global Insight explain that the smaller gains in appreciation are "strong enough to make current owners consider listing their homes, but slow enough to keepthose homes within buyers'reach." Home Prices Starting to Favor Buyers While current homeowners might not be too thrilled about the slow down as it relates to their own equity reaovery, this trend is favorable for potential buyers. If you're thinking ofbuying a home, the slow down in home appreciation aould actual signal that it's a good time to enter the market. Here are some reasons why you might notwant to delayyour home search any longer: Rents are rising faster than incomes. And,in some citiesordepending on your financial situation, buying a home can be cheaper than renting. Overall, the aost of rent grew twice as quickly as household inaome between 2000 and 2014, forcing renters to use nearly 20 percent of their inaome to cover the rent, according to a recent Zillow report. M orehouses should beaoming on

the market. When home appreciation slows, sellers jump into the market to try to maximize their profit, meaning more houses will likely be put up for sale. Plus, it's springtime, a traditionally busy time ofyearforhomes to go on the market. From abuyer'sperspective,the more competition there is among sellers, the more bargaining power you'll have. The shift from having to aompete for a small number ofhomes to having more options makes it a good time to move ahead. Interest rates are still low. Incredibly, rates are still hovering around 4 percent for20-year fixed rate mortgages.When they do start to rise fand experts say you can expect them to gradually climb toward5 percent by theend oftheyear), itaould mean having to look fora less expensivehome. The sweet spotforpursuing your home buying dream could be right now, when rates are still at historically low levels, and there are more homes on themarket from which to choose. Lower monthly payments, plus having continued on page 26

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24 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

Howmuchis adownpayment onahouse?(FHA,VA, USDA, conventional) m ymodgageinsi dercom May11, 2015

By: Lee Nelson A home isa huge and mmplicated purchase. Anyone will tell you that. But most people will never agree on how much a down payment should be. Nowadays, pcople are buying homes with little or even no down payments. There are loans and programs in every state to assist people in getting a home if theywant to even if they haven't saved much. Conventional thoughts in the past havealways been to putdown 20 percent or even more ifyou can. Well,sometimes that wipes outyour savings and even depletes your stock and investment acmunts. You have nothing leftoverforfumiture,unexpected expenses like abroken waterheater oryour retirement fund. "I've been in this business for 80 years.Ha ving20 percent down isjust one of those myths about lending that is

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prospective homebuyers.

percent gift from a blood relative or a community type program. Before, it had to be Loan Programs and the borrowers' money, she says. Downpayment Requirements "Ofmurse, you have to meet the Here is a look at the different loans criteria with a low to median inmme. Just available and their down payment options remember that the less you put down, the and requirements: more you will be paying and the higher ConventionalLoan Dovvnpayments the interest rate. Conventional loans are You can get a mortgage through a very cr edi t score dri ven.A 8 percent conlender that approves loans based on Fanventional loan will have much more rigid nieMae and Freddie Mac rules— w hich is standards than FHA standards," she says. mostlenders — w ith aslittle as 8 percent With any mortgage, including a mndown.You must have a creditscore ofat ventional loan, you will run into other exleast 620 and offer mmplete documentapenses that add up to the price ofbuying tion ofyour funds, job, assets and credit a home. Hoogendyk says that the addition history. By getting a mnventional loan, you can avoid the higher-priccd FHA loan ofclosing msts, the appraisal, the credit reportmst,firstyear ofinsurance,taxes mortgage insurance which continues the and inspection will cost about 2 percent of entire length of the loan. With mnventional loans, the mortgage insurance stops the entire purchase primA mnventional loan appraisal will run about 2470 in her after accumulating 20 percent equity, area, while an FHA appraisal which has Hoogendyk says. Three percent down payment conven- a few more requirements,is2490.A home inspection which includes pest inspection tional loans are out there. A new change to these loans thatjust came out last year can run from 2850 to 2450. was thatyourdown paymentcan be a 100 continued On pago 26

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out there,"saysJillHoogendyk, branch manager and mortgage expert at Prospect Mortgage,Phoenix."Things are always changing. The only reason people usually put down 20 percent is to get out of private mortgage insurance. But we've always had loans with 5 percent down." Down payments can be a very personal decision, depending ifyou want a lower monthly payment, you don'twant to pay private mortgage insurance or you justwant to getdone paying for your house quicker. But whatever you want, there is a loan out there for you with just the right down payment requirement. And just to make things even easier, a recent analysis by the Down Payment Resource and RealtyTrac found that 87 percent ofthe single family homes and mndos in the IJ.S, would qualify for a down payment assistance program available in the countywhere they are located. The average amount ofdown payment assistance across all munties is 211,565. More than 2,000 counties have more than 10 down payment programs available to

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guners are in SeveralDeauhtulhamesare awner Luin anacampietea ig. iats avaii aDle La Grande wews aver me EOU campusana mevasey Caiitar inta paaet CCRsapply 879500 MLS4H4434784

parcel hasClarKCreeKas its narth Daund ary 8265,000MLS4H4598070 AMAZING, BUILDABLE LAND ALONG CATHERINECREEKI lt yaure laatmg tar residenhalrecreahanlandin UmanCaunty

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mepnvacyyaudesire yet lust DlacKsaway tram meaicai taniities scnaais tawname nities Dant miss mese panaramic wews City serwces avaiaDle Call a Realtar taaay ta seemisspeaai iana ta Luiia yaur dreamnamei 8139,000MLs4H5638779 2BUILDABLEHOMESITESIN COVE,ar tar mepnceat ane I Is 8acres and aneis IO acres mll views and quiet 8159,900 MLS4H 4162384 BEAUTIFULCOVEHOMESITES Gentle siapea name snes Lana tar saie AS tenced and a well lag is an hle The Caldwell Ditch Right included 2 tar lats I

sneevaiuatian an nie A rea pump nause nas undergrd pawer ta it 8197,200 MLSIH5323725 PLATTEDFORA NEWSUBDIVISION 17 lats tar 8199,000 MLSIH5662446 2 lats tar 870,000, MLSIH5662446 Tatal acre age avai 3 64 BuyanearDuy Dam wHT NDTv why nat De clase ta tawn

nave anamazingwewana naveme new hame at yaur dreams all an 78 acres at same atme Destgraund inme area>why

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NORTHEAST OREGON REAL ESTATE

Friday, May 29, 201 5 -

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1450 SE Issac, Pendleton $339,000

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Enloy Panoramic views Gorgeous Home w/ Brazilian Teak Hardwood Floors Custom Kitchen w/2 Ovens 5 Pantry Gas Fireplace Quahty Built with Detail Extra Energy Effiqent HVAC Windows 5, Insulation Package Handicap Accessible insulated intenor walls for Sound Reduclon 1000 sf Heated Garage Secunty/Soffit lighting on penmeter Cement Board Siding MLS415645732

702 M. Aven La Grande $149,900

Home is a httle dated on the inside but is in

extremely good condition MLS415385128

42426 New Bridge Rd., Richland $217,000

3 bd/lbath home on 760 acres Laundry/ullity/ mudroom wit h porches and decks on 3 sides Fenced garden area and lots of fruit trees to provide the produce to fill the cold storage room Several outbuildings include barn garage/shop area and chutes and corrals for small animals Great water nghts for irngation MLS415277423

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3 bedroom 2 bath home on corner lot in Elgin Home built by seller who is master craftsman Custom cabinets and tnm quahty construclon throughout Maximum insulation Detached 24x40 shop Lots of value in this home MLS414104698

2607 Birch, La Grande $134,000

4BR/2BA Newer paint floor covenngs updated lotchen finished basement w/hving rm two bedrooms with egress windows and bath Laundry is downstairs also Fencedbackyard small detached

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42261 Dance Hall Rdn Richland $365,000

Well designed 2692 sq ft floor plan w/ 1 archwayswakon Pantry and lotchen with center 15171st St. Baker City $212,500 island Nice landscaping water nghts with good Home is in excelent condition with new floors irngation 5 over 1000 sq ft garage 40x120 barn central AC 5 extenor paint The Master Suite was w/attached 20x120 covered feed area Shop w/ recently upgraded with a walk-in lle shower w/ bathroom 5 large attd covered work area dualheads Double car garage accesses from X-fenced Ak on 29acres MLS414523295 alley MLS415482176

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26 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE ers' eligibility is based on their service — such aswhether they were reservists or full military, says Hoogendyk. "This is a wonderful loan. People should use it and pay zero down, and use their money for something else like investments, "she says."Many service people don't even use their VA benefits. You can even geta VA loan even ifyou have 55 percent debt-to-income ratio." VA rules state thatveterans do not paycertain closing costssuch as escrow fees.

DOWNPAYMENT cantinued fram page24

FHA Loans Fora FHA mortgage,you need a minimum of3.5percent.That moneycan be giffed, too, by a relative or through a down paymentassistance program.An FHA mortgage is insured by the federal govemment, but not offered directly by thegovemment. FHA-approved lenders, rather, off erloansbased on FHA rules. FHA mortgages have loan limits depending on where you live in the muntry. The limits have not changed sincelastyear.And FHA loansrequire a one-time upfront mortgage insurance feeplus mortgage insurance throughout the length of the loan or until the borrower reftnances.The upf' rontfw can be financed into the loan. VA Home Loan Down Payment Requirements This is a zero down payment mortgage, with loan limits based on geographic area, just like the FHA loans. Borrow-

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USDA Loans These loans allow 100 percent financing with no down payment through the Rural Development United States departmentAgricul ture.The house you want to buy must be within an area designated in the program. That dcesn't necessarily mean it has to be out in the boondocks. Some ofthe eligible USDA loan houses are in subdivisions ofbig cities, too. The program is inmme-driven, meaningyou can't make more than 115 percent ofthe median inmme in your household. That means that even if

grandmas I livingwith you, her inmme munts, too. This type ofloan also allows for a giff down payment.

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FHA Good Neighbor Next Door Program The U.S. Department of Housing and Urban Development(HUDI is rewardinglaw enforcement off tcers,teachers and firefighters/emergency medical technicians by offering this unbelievable deal. HUD now sells homes for 50% off list price to these "good neighbors"with today's low interest rates. And the down payment is just SIOO ifbought through a FHA loan. "It's a great program for those that qualif y,"she says."However,therearen'ta lot of these houses available, and generally speaking, many of the neighborhoods aren'tgreat.Butwhen peoplefind one, youcan'tbeatthe price.You get50 percent equity the day you move in." She says thatyou have to live in the house threeyears,then HUD forgives half of the mst of the home.

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PRE APPROVAL room to negotiate, can putyou in a unique position. As rates go up, your fellow buyers will likely decide to forge forward, so why not beat them to the punch? Buyer Opportunities Returning Steady home appreciation is good for the emnomy as a whole, but homebuyers in particular. Buyers don't have to"chase"home prices in a steady market. They can save up a down payment thatwill be enough when they pull the trigger on a home. Itwould be difficult to construct a better time for buyers. The market isprimed fora robust home purchase market in the comingyear. - See mamat: http: l l mymartgagei nsi der.com l home-pri ce-appr eciationopportuni ty-forbuyer s-58957 ttsthash.

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NORTHEAST OREGON REAL ESTATE

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190 E,North Powder$250,000

0 McAlister, IslandCity $68,000

Single family sick Duin anly Access fram raad ta the Narth Side access Jaint maintenance Agreement access raad MLSI111490922

Twa stary Duilcling with new raaf aq funcians an

lawer 7000 square feet upper 5000 square feet cauld De develaped inta apartments 4 Ddrm 2 Dedrm and I Ddrm ane affice tavern and restau rant 2 RV spats MLSI113393632

66547Hwy203,LaGrande$375,000 MFN an 3B5 acres Large 172B sq ft finished insulated heated shap Twa car insulated garage harse Darn 6 stalls insulatecl tack raam Barn with

raam far 50 tan af hay Fenced crass fenced hay field Cavereddeck fencedyard MLSI113469584

160821st, LaGrande$169,000

10104Leonard, Island City $64,000

Built in 1963 3 Becl I Bath with anachecl garage BuildaDle lat B4x124 SuDdivisian with restncians Fenced far animals Sits an aver I acre zaned Near galf caurse Graund is level uhhhes avai cammeroal Plenty af raamfar a cammeroal Dusi aDle Single family shck Duin anly Owner will carry cantract MLSI114074031 ness MLSII14140758

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2116Resort, BakerCity $220,000

21063rd, La Grande$89,000

Nice 2 Dedraam IDath hame an 50 x135 faat lat Canvenient lacahan Ia clawntawn ancl Ihe LiDrary Alley access fram theDack MLSI114137466

IB76 Restared Kitchen has granite caunters and Oak caDinets Laundry area with aDundant star age Fixtures reflect the penad time af the hame Over sized garage that can hause 2 autas with raam left aver MLS414547325

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61502Hwy.237, Cove$295,000

Electncal heating winngand sepicupdates Walk ta iirrary gracery stare scnaais warm water swimming paal restaurants raam far limitecl lwe stack 2460sf Metal Building is twa shaps in ane with cavered carpart parking MLSII14219875

u 13028th, La Grande$279,950

465 F,North Powder $74,995

4 units Main unit is 2200 sq ft with a Dasement 4BR/2BA 2 ane BRs that rent far 3490/ma I stu dia that rents far 3355/ma Mainunit rents far SB50

ma RentedDy the persan wha manages ai the units and daes handyman wark MLSI114474811

Name w/extra starage area added ta the Dack Near schaal upclatecl winng plumDing Seller will carry with acceptaDle terms Sale is suDlect ta Lat hne adlustment ta De paid far Dy Duyer appraxi matecastDet ween32B00 33000 MLSI115370097

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a Second,North Powder$18,500 Great DuidaDle parcel Near schaals and dawn tawn Seller will carry a cantract Cauld De sald with the hame lacated an 200 A Street MLSII15062374

1503 N,La Grande $67,000

160821st St, LaGrande$161,000

IBR w/large Danus laft and a Danus raam in the Over ane acre zaned cammeroai Name Cuin in Dasement Small yard sa there is nat a lat af maw 1963 3 Bed I Bath with attached garage Fenced ing etc This hame will ga fast Newer metal raaf far animals Plenty af raam far a cammeroal Dusi and same remadeling dane inside MLSI115149298 ness MLSI114572470

1108PennAveoLa Grande$125,000

1202 E.Aveo La Grande $155,500

Twa unit rental Penn Ave side is ane Dedraam and rented far 3500 6th street side is 2 Dedraam and rented far 3525 Parhal remadel inside Built in 1900 Gaadrentalincame MLS415145928

Third Danus raam upstairs current used as Ded raam Effioent pantry and full Dasement far star age and laundry area Newly fenced Dack yard with paia MLS415601547

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0 E Sl 41400,North Powder$19,900 1207Jasper St, Cove$55,000

Easy hving in this twa Dedraamane Dath manufac turedhame in Cave Remadeled and taken gaad care afi Easy ta heati MLSI115187957

Great cammeroal lat in clawntawnNarth Pawcler If yau are an entrepreneur laaking far a spat this lust

240 4thSt,North Powder$89,900

might De it Narth Pawer is lust aff Ihe I B4 inter

Fullafnaturallight galleykitchen largehvingraam with Gas stave and addiianal family raam 2 Car Garage with starage addiianal wark shap Super

state Great place far a new ar relacaing Dusiness MLSI115289652

garden spat withraspDernesasparagussamefruit trees MLS415545241

68701Hunter Rd,Summerville $469,500 Metal Darn with staDles anclhay starage Shap ancl ather autDuildings Fenced and crass fenced far effioent use af the land Creek Dehindhause new paha andDackyard Garden area MLSI115006327

602 Donald,Wallowa$165,000

One level hamewith Dreezewayfram Shap taBack daar I 22B sq ft shap garage with rai up daar Carpart is enclased an 3 sides and extra starage in the Dreezeway Galley kitchen dining area MLSII13201525

2610Birch St, LaGrande$124,500

The frant hving space is full af natural hght ancl flaws inta Ihe clining raam far ane great raam make this space yaur awn Great seaing and fire pit area in the fenced Dack yard Small ane car

garage andpaved drweway MLSI115234522

2903 NDepot, La Grande$179,000

Beauiful 3 Ded 2 5 Dath in gaad lacaian Fenced Dack yard Great deck in the Dack far entertaining and DarDecues Attached ane car garage Built in 2010iMLSI115152164

504 Donald,Wallowa$169,900

Spaoaus step dawn Iwing raam with effioent gas stave New sliding glass Galley kitchen re madel lats af caunter space and starage dinning area hasraam farlarge taDle JacuzziTuD upperlevel features 2BR I I/2 Dath MLSI114006344

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1501 NYAve, LaGrande$105,000 2BR/IB Dasement with starage Detached twa car

garage warkspace New autamahc garage daar new electroal winng New paint upgraclecIDath aq new windaws Gas heat and air MLSI115148294

101064th StoIsland City$164,900

Twa tenths af a mile fram Galf Caurse RV haak up starage Cuiidings spnnkier system Large kitchen center islancl Master Dathhas new walk in shawer MLSI115000629

28 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

Home loan programs for single moms myhamemangage aam May8, 2015

By: Lee Nelson Single moms can sometimes have it rough trying to raise their children by themselves and pay the bills. Buying a house on top ofall of that seems almost unachievable. But there are loans available and lots ofassistance to make the dream ofhomeownership in reach for single mothers. "Thereare programs out there to getmore people in homes who don'thave a lot ofsavings. Homeownership is the ultimate goal of many of these loans and programs," saysMark Gundersen, senior loan officer at Shelter Mortgage Company in Saint Charles, Ill."It can be tough to support a family on one inaome. But ifa single mom has decent credit, they could qualif y fora mortgage." Single Moms have Harder '11me Qualifying after Housing Bust In 2018, the National Association of Realtors Profile of Home Buyers and Sell-

ers survey showed that the overall market shareofsingle buyersdeclined from 82 percent in 2010 to 25 percent in both 2012 and 2018. "Single home buyers have been suppressedforthe pastthreeyears by restrictive mortgage lending standards, which favordual-inaome householdswho are more likely to have higher credit saores," says Lawrence Yun, NAR chiefeconomist, inan NAR press release about thesurvey. The statistics do show that single moms have a harder battle to get a loan. But, there is hope. A good place to start is to talkwith a local housing authority. They can tell you what specific homeownershipprograms, grants and loans are available for your situation in your city or state. Gundersen says that Illinois rolled out a new program in April called Welaome Home Illinois that is perfect for single mothers. More than 819 million of home loanshave been given out so farin the program. Those who qualify can get 87,500 in

down paymentassistance plus a belowmarket interest rate. It is run through the Illinois Housing DevelopmentAuthority. Participants must have a 840 credit score, be a first-time homebuyer and be able to putdown 1percent ofthe purchase price or 81,000, whichever is greater. "There are income and purchase price limitations depending on which aountyyou are going tobuy the house in," he says."But no one is getting near the purchase price limitations —which is 8878,481 in Cook County IChicago areal." The maximum gross income of 890,980fora household ofone or two pcaple is also tough to go over if it is a oneinaome family,headds.The87,500 isa forgivable loan, meaning that ifyou move or refinance in less than 5 yearsfrom your closing,you have to pay that money back on a proratcd basis. Therearesimilarhomeownership programs in existence in many states, aounties and municipalities to help stimulate the housing industry again.

Single Mother Down Payment Assistance Programs Some ofexamples ofassistance programs include: • Baltimore City's FirstTime Homebuyer Program isa85,000 five-year forgivable loan to first-time homebuyers to assist with down payment and settlement expenses. • Maine Housing's First Home Program provides low fixed rate mortgages with little or no down payment. All First Home mortgages also aome with payment protection for unemployment. • Pinellas County, Flao First-time Homebuyer program helps with down payment and closing aosts assistance with a 810,000 at 0 percent interest loan that is deferred until you sell, refinance or payoff the home. Best Mortgagesfor Single Moms No matter where you live, there are several mortgages to look into for single moms.

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NORTHEAST OREGON REAL ESTATE Here are some options to investigate for your situation with your lender, according to Gundersen: FHA —Your loan will have a low interestrate,and you only necd 8.5 percent down. That down payment can come from a gi0. "That's the lowest down payment out there exceptfortheVA loan,"Gundersen says.Also,yourcreditscore doesn't havetobe sogreateither.Depending on the lender, a minimum of800 is being acceptedin most areas and through most lending institutions. Some do take 580. One ofthedown sides ofan FHA loan is the mortgage insurance premium. It's almost double what people paywith traditional loans called private mortgage insurancewhen the down payment is less than 20 percent of the loan. "You will pay that mortgage insurance till the end of the loan even ifyou paid off 50 percent ofthe principal. It's always going to be there until you refinance or sellthe house,"Gundersen says. Veterans Administration IVA) Loan —Ifthe single mom is eligible to get a VA loan through her own military service or as a widow or other relationship, it could be the best loan out there for her. "You are getting an unbelievable deal

Friday, May 29, 201 5 -

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with this loan. It is a well-deserved loan though," Gundersen says."You have no mortgage insurance." This loan is available to military veterans and their families with no down payment,and thegovernment backs 100 percent ofthe financing. There is no mortgageinsurance to worryabout either. Have military experience, or are a surviving spouse? Check today's VA rates.

USDA Loan —United States Department ofAgriculture ofers a variety ofloans to help low- to moderate-income pcople buy homes in rural areas. But "rural "can be a misnomer because many oftheprograms are ofered in areas surrounding metropolitan cities. Many of these USDA loans have very low interestratesand no down payment.You get 100 percent financing, and the mortgage

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insurance premium is lower than that of FHA. USDA loans do have maximum levels ofincome, but most single moms will be well below income limits. Conventional Loan —Gundersen says thatyou will need at least 5 percent down payment ofyour own money for a conventional loan. You will need a pretty good credit score and credit history, but some lenders are lowering their crcdit scoreminimum to getmore buyers these days. Ifyou don't pay 20 percent down, you will pay private mortgage insurance up to when you reach that 20 percent in the principal. You can choose from 10, 15, 20,80 and even longer fixedyears ofpaying the loan's principal and interestof.

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30 — Friday, May 29, 2015

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32 — Friday, May 29, 2015

NORTHEAST OREGON REAL ESTATE

Information prouided by

3eana N. Beck Subsaiber Reietiens

OREClQN

ASSOCIATION 541-567-5186 —Olrice

Housing market rebounding from years past A s Subscriber Services Representative for RMLS™ covering Eastern Oregon and the Executive Officer for Columbia Basin and Union County Board of REALTORS®, I have seen real estate graphs all over the map. As you can see in the graphs below, Eastern Oregon was not exempt regarding the market devastation in the early 2010's. Wallowa County, particularly felt the effects. The great news is, all across Eastern Oregon, statistics are showing a steady increase in real estate sales in all property categories. There is no better time than now to contact a REALTOR® to learn about your buying and/or selling options. UnionConnsr, enaronrRaelnaneal ttennna

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EasternOregon isrepresented by an educated, professional group of REALTORS® that all adhere to the strict REALTOR® Code of Ethics. The future looks bright for Eastern Oregon and our REALTORS® are ready to assist you with all your real estate needs.