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Northfield News Saturday-Sunday December 6-7, 2008
Are you catching that first-time fever? If you’ve never owned a home, now may be the best time to purchase By Charles Scutt CTW Features
Wall Street may be reeling. Mortgage lenders may be tightening their belts. But despite these hallmarks of a real-estate lull and economic downturn, one prevailing thought is clear, say the experts: Right now may be one of the best times in modern history for a first-time buyer to purchase a home. “For those buyers who have done a good job of preparing for their first home purchase by saving and managing their credit, this is a wonderful time to make a purchase,” says H. Jude Boudreaux, director of financial planning at Bellingrath Wealth Management in New Orleans. “There are numerous bargains in the marketplace, and interest rates remain relatively low.” “The last real buyer’s market we had was from approximately 1988 to 1994,” says Brandon Green, principal broker, Brandon Green & Associates in Washington, D.C. “During that time, inventories were very high and buyers had a lot of control in the marketplace. This market is very different because interest rates are much lower than in the previous buyer’s market, where 15-percent interest rates were excellent.” Eileen Hamblin, broker/
owner at RE/MAX Heritage in Wakefield, Mass., says that attractive prices and low interest rates combine to make this “one of the best times to buy real estate in my 27 years in the business. For a qualified buyer with great credit, there are many opportunities, including short sales and foreclosures, if you have the stomach for these distressed properties.” Ask Joshua Blank, a broker with Robert Anthony Real Estate, St. Charles, Ill., and he’ll tell you that home prices today have receded to pricing from nearly 10 years ago. “Supply is huge now, as there is just too much inventory,” Blank says. “For those buyers who can still get credit, however, there is an incredible opportunity to steal inventory.” Indeed, excessive inventory,
combined with a large number of bank-owned properties “assures buyers a lot of choices and a lot of negotiating power in pushing prices down,” says Eric Jacobs, managing partner with Jacobs/ Offir P.L. in Hollywood, Fla. Jacobs says the current environment is in some cases like a slow-moving reverse auction. “Sellers feel pressure to sell out before their neighbor does at an even lower price, resulting in a lower value of their home. As a result, sellers can be extremely flexible with regard to concessions including the possibility of seller financing,” he says. What’s more, first-time purchasers can take advantage of a brand-new tax credit recently enacted by Uncle Sam. This allows any buyer who has not owned a home during the past three years and is a taxpaying
U.S. citizen to take a $7,500 tax credit, if they close on their new home before July 1, 2009 (visit www.federalhousingtaxcredit. com for more details and provisions). “This federal tax credit helps, although it’s important to note that it’s effectively a zero-interest loan that is repaid over the course of 15 years or at the resale of the home,” says Boudreaux. To increase your chances of securing mortgage financing, it’s a smart idea to work on improving your credit score first, Boudreaux says. “A smart, easy first step is requesting copies of credit reports to review for accuracy and to address any inaccuracies.” Additionally, “prospective home buyers should make sure they document all of their income. Keep pay stubs, bank
statements and other evidence of income in one place to make the mortgage application process easier and the probability of getting a mortgage higher,” says Jacobs. Buyers can better ensure landing the home they want “by doing exorbitant amounts of research to be able to recognize a great deal,” Green says. That means getting better acquainted with home sale prices in your chosen market and consulting with an experienced real estate agent. “First-time buyers should be educated about every facet of a real-estate purchase,” Hamblin says. “They should have a real-estate attorney, a good loan originator who is a trusted professional, a really good home inspector and a Realtor who is experienced, knowledgeable and honest. The buyer needs to be taught what is important in a house and what isn’t - what will cost pennies to improve and what will cost thousands. And buyers should try to remove some of the emotion from the process. It’s OK and advisable to ‘love’ a house, but keep practical advisers on your team.” Jacobs adds that first-time buyers should also be cautious about understanding the true cost of home ownership. There are many expenses beyond the mortgage and interest that go into owning a home - including taxes, insurance and maintenance - and “first-time home buyers often underestimate them and get themselves into trouble. Secondly, just because the market conditions are favorable for buying property doesn’t mean that it’s the right time for
See FIRSTS, 2C
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Spectacular west side location near St. Olaf, parks. Oversized 4 car garage. 4 BR, 2 bath with original woodwork, staircase. Bob Many updates, quick sale. Stangler 507-581-9373 $184,900
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Nice lot! 3 BR, 2 bath remodeled. $159,900
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Incredible opportunity! 4 BR, 3 bath rambler. Nestled on 35 wooded acres. 48x96 outbuilding. A truly spectacular property! $799,900
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Beautifully maintained 4 BR, 3 bath on treed lot. $238,000
This 2+ BR home is absolutely perfect and ready to keep you warm this winter! Enjoy Patrick beautiful surroundings on 1 Winter acre. $299,900 612-701-7912
D
412 Plum
Paul & Juliette Reiland 952-292-5999
Excellent floor plan. 4 BR, 3 bath amazing value on a large corner lot. $199,000 Best value in Lonsdale. 1/2 price of Paul & Juliette replacement. Reiland 952-292-5999
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8956 298th St., Nfld. Must see rambler. 4 BR, 3 baths, office, corner gas fireplace, F.R. On 7 acres, great location. Special financing thru Chase. Anne & Darvin Seller to pay up to 3% closing Laue cost. $314,900. Open by appt. 507-254-6145
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Amazing almost new home with 5 BR, 4 bath and over 3000 ft. Backs to park, convenient north location near Paul & Juliette Pete Wangs Woods and Liberty Reiland Mergens 952-292-5999 612-741-4257 Park. $304,900
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www.northfieldnews.com Saturday-Sunday, December 6-7, 2008
Makeovers: Kit’s garage goes glam
By KIT DAVEY CTW Features
Several years ago I invested in built-in storage cabinets for my garage. Two walls were outfitted with sturdy closets with shelving (you can see one of the white cabinets in the left of the Before photo). I was able to organize and stash records, power tools and other items that needed clean, long-term storage. Unfortunately, one wall of the garage had not been outfitted like the others, and instead we had installed our old kitchen cabinets there, thinking they might still be useful. Wrong! I loved everything about the new built-in storage system: It was well made and tidy-looking, had adjustable shelves, helped me keep organized, and hid unsightly items. But I hated the “undone” part of
the garage. The old kitchen cabinets were just plain irritating. They had impossible-to-adjust shelving, so stashing tall things was a pain and the doors didn’t close properly anymore. Every time a certain someone (not me!) took out a tool, he wouldn’t put it back; he’d just leave it out on the makeshift counter (an old board I painted to match the floor color). As an avid gardener I accessed the tools almost daily, and I was constantly bumping into the debris cans to get to them. And, this zone was just plain ugly: The wood cabinets clashed with the new white ones, and although I had painted the rest of the garage, I had, for some reason I can’t remember, not painted around the cabinets. I got a quote from a garage-cabinet company and was shocked to discover that the system I wanted
would cost more than $2,300. I didn’t want to spend that kind of money, so I began my search for an economical and functional system I could install myself. In order to design my own system, I first I took out everything from the cabinets, and purged and organized the contents. I determined how many linear feet of shelving space I needed. I then went through my hanging tools and determined how many hanging devices I need. I wanted several big tools to stay on the ground, and I also wanted easy access to the bins, so I lined them all up and measured how much floor space I needed, and how tall they were. All of this helped me figure out the height at which to start the shelving, the space between each shelf and how long one could be. I knew that open shelving
made it easy to find things and put things away, but it can look cluttered. To cut down on the visual static, I figured matching plastic containers and nice labels would help. I grouped small items - such as screwdrivers, painting stuff and wires - into piles and figured out how many and what sized containers I would need. I did a scale drawing and took it with me as I shopped at several hardware stores for materials.
Before
• Ugly, ill-functioning cabinets occupied important wall space in this busy garage. It was too much effort to open the doors and put things back where they belonged. • The unpainted section of the garage adds to its ugliness! • Debris bins and bags blocked access to tools.
• The whole zone looks cluttered and messy. • I wanted an efficient, attractive storage system at a reasonable price.
After
• My husband and I removed the old cabinets, dragged them out to the curb and attached a “free” sign to them; they were gone in two hours! I purchased plastic-coated, precut shelving in the lengths I needed, shelf supports and a variety of hooks and hangers, along with plastic bins. • I had several quarts of leftover paint from various projects that I combined and applied to the wood walls. Even though it turned out a different color, it is still bright and cheerful, and it was free! • The cans and floor tools no longer blocking access to my hanging tools.
• Installing the shelving only took about two hours and it was easy to organize my tools by type and frequency of use. Using similar bins and labeling the boxes also help cut down on clutter. • The total for the new system, including the tubs: $200. Now that my garage looks and functions better, I enjoy gardening and repair work much more. My husband actually puts the tools away when he’s done with them. Plus, I feel smug about how much money I saved! Kit Davey, an interior designer based in Redwood City, Calif., helps clients redecorate their homes through the creative use of their existing furnishings. Send your design questions to kit@ ctwfeatures.com
Firsts: A potential time to buy An ounce of prevention. From Page 1C you. If you aren’t in a financial position to own, then it’s not the right time, regardless of whether the mortgage lender says you can afford it.” Jacobs says a good rule of thumb is that you can probably afford a home that is within 2.5 times your household annual income. Or “take your monthly income and divide it by four. If your income is higher than the mortgage payment, with taxes and insurance included, then you are probably ready to buy a home.”
If not, consider renting a property instead, save a little more and then try again when the time is right, says Jacobs. Buyers in the right position to purchase their first home may want to consider acting soon, however, “because when the market shifts again, it will be abrupt, and the best opportunities will be lost,” Green says. However, “do not buy if your time frame is less than five years or if the payments are not affordable.” Blank notes that those who are buying now “view this as a huge sale. It’s like
buying summer clothes in the fall. You can be sure next spring that the prices will be back to where they once were. The $298 summer sport coat is now $20. I’m not sure if it will be 2009 or 2012, but I know we’ll see double digit appreciation again. Why? Inflation will ultimately create appreciation in home prices again.” (c) CTW Features
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Ask Our Broker: Answering your real estate questions By Peter G. Miller CTW Features Q: I’m a long-time loan officer and disagree with your view that all borrowers should use fully documented mortgage applications. For instance, I have a borrower right now who is purchasing a $450,000 property with a loan of only $150,000. With that down payment, a credit score of 810 and a very long history of stable employment why do I need to document her income to the hilt? A: You raise a fair point, the borrower surely seems well qualified and the down payment is so substantial Miller that it’s difficult to see any risk to the lender. That said, the need for fully documented loan applications has little to do with your borrower. Underwriting standards have been so lax during the past few
years that lenders have a vast confidence and credibility gap. If we are to get investors worldwide to buy mortgage-backed securities, those investors must feel certain that the loans are good. The only way to do that is to make sure each and every loan is fully documented. The idea is not that every loan decision will be perfect or that foreclosures will never happen, rather it is to assure investors that every effort has been made to protect their interests - otherwise they may take their money elsewhere, something that would quickly raise mortgage interest rates. No less important, no one wants foreclosures. Lenders and securities investors certainly don’t want houses, they want principal and interest. Borrowers absolutely don’t want foreclosures; no sane person wants to lose their home. With full docs, borrowers have higher hurdles to cross, hurdles that will moderate the desire to buy too much house - and in some cases to claim income and assets that are simply not there. Lastly, there’s another reason to get rid of stated-income loan
SOUTH METRO
BY richard silvestri Edited by Will Shortz
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OPEN Sunday 1-3 748 Lathrop Drive $179,000
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A: I’m one of those people who like the Internet for all sorts of reasons, but buying a home online without physically seeing both the
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507-663-1234 EN
Q: We’re thinking about buying a house online. It seems quick and simple and there’s no cost for a broker. How should we go about such a purchase?
property and the neighborhood strikes me as incredibly unwise. The issue is not technology - there’s great technology online with house photos, videos and information. But a house is not a standardized widget; all homes are different. Photos don’t tell you about that strange smell in the basement, the floor that dips or maybe about the all-night gas station next door. Is it OK to visit newspaper and broker Web sites to see homes? Sure. But that’s a starting point in the home-searching process, not an end. Given the complex and localized nature of real-estate agreements purchasers are best served using an experienced buyer broker - someone to represent their interests - who knows local property values and options and who has done real-estate deals before. Otherwise you’re on your own and that can be a disaster if you don’t know about contracts terms, neighborhood trends or pricing.
the beneficiary of the inspection? A: Read your lease. If it gives the property owner the right to inspect the property and requires that you pay the bill, then you’ll need to write a check. There might be grounds for objection if the bill is not reasonable for the services performed, but this is an argument you’re unlikely to win. Q: Given our slowing local market is, this a good time to buy a new home from a builder? A: If you need a new home, if it’s affordable, if you expect to be a long-term owner, and if sensible financing is available, then consider it. In other words, market conditions are just one part of the equation; you also have to look at your personal preferences.
Need real estate advice? Peter G. Miller, author of “The Common-Sense Mortgage,” would like to hear from you. Send your Q: I’m a renter. Can I be re- questions to peter@ctwfeatures. quired to pay an inspection com. Due to the volume received, fee when the landlord picks not all letters may be answered. the inspector and is really
The New York Times Crossword Puzzle
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applications: Excess price appreciation. If someone can get a huge loan that is unjustified by their income, they can bid more for properties. Other buyers must now raise their bids to compete. The result is that home values are artificially inflated because big loans are available, mortgages that would not be possible if borrowers were required to fully document their income and employment. The betting here is that your supremely-qualified borrower is also well-organized and can dip into a file and instantly provide the paperwork you need. With full docs your borrower will be able to get financing at a reduced rate, a nice bonus with a real cash value for a little more effort up front.
A c r o ss SO MUCH FOR SO LITTLE 1 Like tests and dirt Appreciate the value of NEW-carpet, roads vinyl, stainless steel appliances, interior pantry, shingles & gutters. 7 Web programmer’s medium The Ambiance of the Past 11 Deadens 911 St. Olaf Ave. 16 Adolphe ___, $298,000 musical instrument MLS#3620674 inventor Beveled glass, hardwood floors, 19 “Honestly, man!” elaborate moldings, butler’s pantry, formal dining, gracious foyer, 20 It may be gray updated kitchen, newer family room. 21 Economist Janeway 22 Open someone NEWLY CONSTRUCTED! else’s e-mails, maybe 936 Harvest Dr. SW, Lonsdale 23 Not accented $179,500 24 Will’s opposite MLS#3623579 Granite countertops, maple flooring, gas 25 Poker player’s wear fireplace, master bath and an office... 26 Brynner of stage This won’t last long! and screen 27 Sale sweeteners 29 Helpful comment to 1080 Highway 3 South Northfield, MN 55057 a judge? See all our listings at ColdwellBanker.com 32 “Stripes” actor, 1981 34 Imago, e.g. 35 Brunch time 36 Maine, e.g.: Abbr. 39 “Also Sprach Zarathustra” hitmaker, 1973 41 A cadet might be asked to pick it up 43 Insurance paperwork 46 Snowy ___ Published every 47 Fruit flies? 52 Dirty radio sitcom? Wednesday. 55 Given to showy affectation 56 Put to use 57 Monastery office www.northfieldnews.com 58 Polonius’s hiding AIR CON place e 24 H me! om dular Dealer of Mo 60 Bank holding ta Premier” A “Minneso 61 Do some grapplin’ 65 Makes a muffler, e.g. 66 Weapon in the tion details. Charge of the Light o Installa $ g consultant for de sin Vi erti oadv r di Au 15 or ask you re 576 or 645-56 emory Ca Brigade Call 507-645-8 Living/M ATES WA IM T Assisted S d E Customize FREE Tile Jun 67 al Stone & Jokey question to a Living! Architectur Hub Verizon technician? e n to S c li ion tio Gae lattio lla allla ta 71 Summer swarm 72 With regard to of Faribault 73 Beauty spots es m Buying Ho pair Boat Re 74 Line at a track 75 Cowgirl Dale 76 Chinese brew ir I.O. Repa Outboard 80 Output of une législature 81 Bull: Prefix 82 Darius the Scamp? 88 Pot-smoking cleric? 91 Raccoon relative 92 Endor inhabitants 93 The story of the aftermath of Oceanic Flight 815 94 Read the riot act to 96 The Tigers, on scoreboards 97 Donnybrook 100 Engine problem 101 One who may give Check out today’s classifieds you a shot in the arm for the latest merchandise. 105 Result of excessive Sell your item for free! rowing? 109 Makes clear 113 Hairy TV cousin 114 Shade of pink 115 ___ Torrence, American sprinter who won three gold medals at the 1992 and 1996 www.northfieldnews.com Olympics 117 Make merry
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