News Press Stillwater
REALESTATE W e e k ly
Your best source for weekly real estate news and listings for Stillwater and surrounding communities
March 23, 2018
46
The percentage of homes sold last month that were on the market for less than a month, according to NAR.
Beautiful, open floor plan and hard to find 4 bedroom, 2 bath home with split bedroom arrangement! Bright open living area large enough for your entertaining needs. Lovely kitchen with abundance of storage and Quartz counter tops, stainless steel appliances, refrigerator and washer/dryer stays! Two-car garage and new storm shelter. – Beverly Carter 405-743-9618
Featured Homes:
$217,000
4222 W. Aggie
Global Realtors 131 N. Main, Stillwater 405-624-2626 www.c21global.com
$214,900
1109 W. Stonecrest
Weekly Features: • About Real Estate • Classifieds • Open House Map Visit our web site at
stwnewspress.com » Classifieds » Real Estate Weekly to download the current PDF edition and see participating Realtors. To advertise your home in Real Estate Weekly, call (405) 372-5000.
$1,199,000
4005 S. Western
Well built Ideal home in the Stonecrest neighborhood. Conveniently located in north Stillwater, this house is minutes from OSU, shopping, turnpike access, Richmond Elementary, and across the road from Lakeside golf course. This home has open kitchen to the living room with split bedroom arrangement. There is a storm shelter in the garage. –Jeff Grizzle 405-714-4037 and Alane Legrand 405-747-6950
Exquisite country estate with outdoor entertaining area with heated salt water swimming pool and kitchen, nestled in the woods on 9.63 acres with 2 small ponds. Open floor plan with fireplace, Chef’s kitchen, island with gas stove, dishwater, walk-in pantry, safe room and central vacuum system. Live the dream with this home, barn, corral and metal building! – Alane Legrand 405-747-6950
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Stillwater NewsPress • Friday, March 23, 2018
Homeowners, new buyers should double-check insurance coverage Some insurers don’t give a good explanation of what is covered if a homeowner’s property is later damaged or destroyed. DEAR MR. MYERS: We received a letter from the company that provides our homeowners insurance policy, urging us to upgrade our current “actual cash value” coverage to something called “replacement cost” coverage. The letter doesn’t make much sense, and our insurance broker hasn’t returned the three calls that we have made to ask him to explain the difference. Can you? ANSWER: Sure. But first, you should seriously consider looking for a new agent. If he or she won’t return repeated telephone calls to answer a basic insurance question about the policy you already pay for, the agent may be even less helpful if you ever must file a claim. Understanding the home-insurance coverage that you have can be difficult. Too many agents and brokers don’t do a good job of explaining it. I’m devoting this
About Real Estate DAVID MYERS entire column to addressing some common concerns that many readers have, whether they have owned their home for several years or are planning to buy their first one during the peak home-buying season that begins in the spring. The actual cash value coverage that you currently have will take your property’s pre-loss condition into consideration if you ever must file a claim. To illustrate, let’s say that your kitchen sink overflows and ruins the carpet that you bought four years ago for the adjacent dining room. The insurer would calculate the cost of replacing the damaged carpet with a new one, subtract an amount that’s equal to four years of normal wear-and-tear to the old one, and then give you a check for the difference after also subtracting any deductible that you might owe.
Now, let’s say that you had a more comprehensive (but more expensive) replacement cost policy or a similar replacement cost endorsement. The insurer would pay to repair or replace the carpet, without subtracting a depreciation deduction for the four years of previous wear and tear. There are two even more comprehensive – and again, more expensive – types of policies that are especially worth considering if you want to protect against the total loss of your home due to fire, high winds or a few other types of perils. Extended replacement cost coverage will pay you a preset amount over and above your current policy limits, usually 20 or 25 percent, if the current limits aren’t high enough to completely repair or reconstruct your home after a covered loss. And then there’s what
some experts call the “Rolls-Royce” of homeowners insurance policies. Known as guaranteed replacement cost coverage, it typically pays for the entire reasonable cost of both rebuilding and refurnishing your house, regardless of your policy’s limits. Yet, even a RollsRoyce homeowners insurance policy won’t always cover everything. That’s why one of the fastest-growing types of supplemental homeowners coverage involves a building code endorsement that can be added to an owner’s new or existing policy.
Why? Because local building codes are always changing. Even if you purchased a home that was built just five or 10 years ago, there’s a good chance that those codes have since been heightened to include required upgrades to roofing, plumbing, electrical systems or the like if the home must be reconstructed or simply remodeled. Even if a top-ofthe-line guaranteed replacement cost policy doesn’t cover those legally required upgrades, a building code endorsement should. Remember, too,
that you might need additional types of insurance even if you have the fanciest of policies. Although the most basic and inexpensive policies usually will cover damage caused by fire, high winds or even riots, they will not pay for damages caused by many natural hazards that have a long history of striking areas. For example, if you live in California or another earthquake-prone state, you would have to pay even more for an additional policy that would provide coverage for quake-related
damages. Ditto for the millions of other Americans who live in an area that is prone to floods: They must buy flood insurance from the federally backed National Flood Insurance Program (www.floodsmart. gov) or the few private-sector insurers that are beginning to offer them. Bankers won’t approve a loan in flood areas unless a flood policy is in place. More issues are involved if, say, you have a pricey new TV or expensive jewelry. Talk to your agent for help with all your insurance issues.
Beverly Carter Beverly Carter 405.743.9618 405.743.9618
Sandy Blankinship Sandy Blankinship 405.269.9523 405.269.9523
Mike Branson Mike Branson 405.612.5347 405.612.5347
Tana Rutan Tana Rutan 405.612.1496 405.612.1496
Alane LeGrand Alane LeGrand 405.747.6950 405.747.6950
Judy Kasso Judy Kasso 801.824.8166 801.824.8166
Virginia Cussner Virginia Cussner 405.747.7601 405.747.7601
Diana Field Diana Field 405.747.4684 405.747.4684
Oscar Fortune Oscar Fortune 405.747.6042 405.747.6042
Jeff Grizzle Jeff Grizzle 405.714.4037 405.714.4037
David Heppel David Heppel 405.269.6907 405.269.6907
Rosetta Heppel Rosetta Heppel 405.880.0869 405.880.0869
Fruit selections for Payne County Home Grown KEITH REED
varies depending on your berry color and fruiting time presence but includes Nova, Dormanred, Autumn Bliss, Allen, Blackhawk, Brandywine and Kiwi Gold. Blackberries. This is the fruiting shrub of choice for Payne County. Blackberries grow
wild here and prosper in our soil/climatic conditions. Look for Native American names with these plants including Apache, Chickasaw, Kiowa, Arapahoe, Shawnee, Navaho and Ouachita for best results. Grapes. Table grapes include Jupi-
ter, Mars, Neptune, Saturn and Venus. Wine Grapes selections include Cynthiana, Chamboucin, Traminette, and Vignoles and others. Muscadines include Carlos, Cowart, Doreen, Dixie Red, Nesbitt and Noble. If you are intrigued but would like to
learn more before jumping in, please don’t hesitate to contact the our office. To insure long term success, now would be a good time to start preparing an area to plant in the spring of 2019. You can contact Keith Reed at 405747-8320.
late afternoon shade. Oklahoma. Cultivar selection Plums. Methley, Santa Rosa, Ozark Premier, and Stanley. Pears. Improved Kieffer, Monglo, and Shinko. Apricots. I hesDolores Lemon itate to even recCRS, CRB, GRI Broker/Owner ommend an apricot 405-747-7822 because they will only produce on average in www.stw-realestatepros.com one year out of seven because they bloom too early for our region and generally Donna Rhinehart GRI, CRS freeze. If you insist on Bringing Buyers & Sellers Together .... Professionally. Realtor Associate trying one, I suggest 405-612-0509 NEW LISTINGS Tilton. 2202 W. University3 bed 2.5 bath 2500 sq ft - $284,900 - Tiffany Cherry. Stella, 3708 & 3710 W 15th- 2 bed 2 bath Duplex-$184,500-Dolores North Star, and Mo809 Holmes Ave.,Cushing- Move in Ready 3 bdrm 2 bath 2 car garage-$129,900-Kyle rinsi. 3310 Charleston Ct.-BERRY CREEK 4 bed 3 bath Bonus Room-$349,000-Donna Blueberries. It Jack Allred is very difficult for 1002 Greyston-Well Constructed & Maintained 4 bed 2 bath 2380 sq ft-$225,000-Jack/Dolores Broker Associate most gardeners to 2017 N. Boomer Rd-COMMERCIAL LOCATION PRICED TO SELL-$275,000-Donna 405-747-8647 grow blueberries 106 E Redbud-5 bed 4 bath 2 separate living areas GREAT LOCATION-$540,000-Dolores successfully in our 3801 S Perkins Rd- 4 bed 2.5 bath on 3.55 secluded acres SE area-$230,000-Lori area although it can 713 N. Grandview-NEW CONSTRUCTION 4 bed 2 bath NE area-$225,000-Donna be done. Please re1406 S. Ashton Ave-BERRY CREEK 3 bed 3 bath-$387,000-Tiffany view the literature 3120 W. 31st Ct. - 4 bdrm/2 bath/1960 sq ft/SW Area-$180,000-Tiffany Jennifer Oliver on blueberries such GRI Lots in Shumard Garden Homes - 27,000-$37,500-Donna as OSU Fact Sheet Realtor Associate 414 E Copper Canyon - NICE 3 bdrm 2 bath 1863 sq ft-$239,500-Ann HLA- 6248 Blueber405-612-4984 1716 N Benjamin - FIXER UPPER...Close to Shopping/Restaurants/3 bdrm-$98,000-Tiffany ries for Home Produc3321 Bristol Road - Beautiful 4 bdrm Home in SW Area-$315,000-Tiffany tion before taking the 3705 S Scissortail Dr. - LUXURY in Woodland Trails/Space Galore 4140 sq ft-$497,000-Tiffany plunge. Some of the 9319 S. Brush Creek Rd.-5 acres with an option for 16-$45,000-Jack best performers are K-Bluey, Peach SorPRICE REDUCTION Lori Kastl bet, Pink Lemondade, 3619 S Fountain View Dr. - 4 bed 2 bath Woodland Trails-$314,000 Amy CRS Realtor Associate Blue Ray, Blue Crop 3321 Bristol Rd - Beautiful 4 bedroom home in SW area-$315,000-Tiffany 405-880-2844 and Brazzleberry. 4316 Jenna Ln - New Construction SE area 3 bed 2 bath-$218,500-Lori Raspberries. 4410 Jenna Ln - New Construction SE area 3 bed 2 bath-$221,000-Lori Although not as dif4509 Jenna Ln - New Construction SE area 3 bed 2 bath-$221,000-Lori ficult as blueberries, 3329 Charleston Ct - New Construction Berry Creek-$367,500-Tiffany raspberries also do OPEN HOUSES SUNDAY, March 25th, 2018 nor care for OklahoCheryl Moody 3310 Charleston Ct-$349,000 Donna 1-3 pm ma summers and can Closing Coordinator 3120 W. 31st Ct. - $180,000 Tiffany 1-2:30 pm 405-372-5151 benefit from some
Tiffany Aranda GRI, CRS Realtor Associate 405-714-1214
405-372-5151 Downtown Office - 723 S. Main Street
Kyle Bottger Realtor Associate 405-612-6724
Melissa Woods GRI Realtor Associate 405-385-2035
Amy Parsons Realtor Associate 405-714-0882
Ann Morgan Realtor Associate 405-614-9600
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Stillwater NewsPress • Friday, March 23, 2018
Last week we talked about favorite tomatoes for Payne County. We need to make one correction to the list. Juliet should have been listed as an indeterminate variety. Thanks to an observant Master Gardener for that correction! This week we feature some fruit cultivars that have proven to do well, or at least better than average, in our area. We are always looking for success stories from adventurous gardeners. If you have suggestions for this list (based on personal experience), we would love to hear about it. Apple. Consider McLemore, Gala, Jonathan, Mollys Delicious, Red Delicious, Golden Delicious, Gala and Fuji. A relatively new apple is Arkansas Black. Since it was developed by Arkansas breeders, it should hold up to the humidity exceptionally well. Apples benefit greatly from cross-pollination so it is always a good idea to plant more than one variety. Peaches. In order of ripening (from early to late), consider Candor, Rubired, Sentinel, Clayton, Newhaven, or Ranger. Others include Glohaven, Jayhaven, Loring, Bristoe, and Jefferson. For more information on apples and peaches, see OSU Fact Sheet HLA-210 Apple and Peach Varieties for
Create a colorful dry garden though chain store marketing. Perhaps all of this makes Big flower action gardening new, may not appeal when it’s really our to nitzy perfect most ancient actividesigners with ty. We are met with their squares and a web of rules, enstraight lines and vironmental issues, monocultures and science, advertising perfectly raked and conservation, gravel. These derather than simplisigns offer little fied gardening as in terms of color, the primal human life and animation. act of creating While modern beauty. architecture is Before modern coveted for magadesign took over, zine spreads, their many women made landscapes are still flower gardens. devoid of the things Dating back to that touch women pioneers, it was on a primal level. the wives and Southwestern mothers who grew painter Georgia flowers from mail O’Keeffe knew we order seed cataneed flowers for the logs. She may have sake of pure beauty. also transplanted “When you take a amenable native flower in your hand perennials into her and really look at it, dooryard. It’s been it’s your world for like that ever since the moment. I want in every American to give that world town. Each shared to someone else. its locally successful Most people in the flowers in cultivacity rush around so, tion; the act passed they have no time down to daughters to look at a flower. I and granddaughwant them to see it ters. whether they want What we design to or not.” Sadly, today is not floral, the “nots” have nor is it traditional. dominated over the If you doubt, just last decade when peruse gardening the feminine feel magazines. The vanished, leaving a discordance in our Digital subscriptions gardens. The masculine make staying design styles today current easy... with stone, poured concrete and the emphasis on new and unusual plants has left the older Download the proven species beapp for FREE hind. This is driven by newly introduced Now available for iOS, varieties promoted Android, and Kindle By Maureen Gilmer
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Stillwater NewsPress • Friday, March 23, 2018
Tribune News Service
more sophisticated contemporary gardens share an absence of big, bright flowers. It’s subliminal, since style makers decide how gardens should conform to the current trends, even though they may not understand you or your personal preferences at all. What’s concerning is that these designers are not necessarily trained in plants, but in spatial design, interiors and environmental mitigation. The result is an over-emphasis on hardscape leaving flowers, the most powerful tools for enhancing lives, low on the priority list. Flowers embody the very essence of life as pure reproductive structures. This lends a hint of sexuality to flowers that so inspired O’Keeffe to paint them so close up. She understood these links of flow-
ers to females, the age-old eye candy we all know and love. I wrote the “Colorful Dry Garden: Over 100 Flowers and Vibrant Plants for Drought, Desert and Dry Times” ($22.95, Sasquatch Books) so everyone can enjoy flowers whether it rains or not. It’s a celebration of blossoms in the droughty arid garden. It’s my own designer’s palette of the plants I know, love and depend on over 40 years in horticulture. I demand the best and toughest bloomers for your garden so you don’t have to sift through unsuitable candidates to find big flower color. This palette includes both desert species for hot inland zones and some old favorites that have always been used in dry gardens. Many of them are little
known outside the desert, but growers are making them common everywhere now. This is the ultimate floral palette of western natives, Mediterraneans, South Africans and Mexican plants, all no-brainers in hot dry climates. Let’s rediscover the cottage garden, flower border and island plantings sacrificed to drought. There’s a place for whimsy, lots of pink and fresh cut flowers. It’s all just the same gardening we did before except for the plants and irrigation change. Forget global issues and concentrate on what you can control like your own yard, your space, your life and your idea of beauty. Just beware of copying contemporary style mavens in love with minimalism, as it soon may become dated.
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Make this Easter a banner holiday One option is to fold construction paper, then cut out letters I have great childto spell an Easter hood memories of Easter. Every year my greeting with the folded edge at the top dad gave my mom, of each letter. The fold sister and myself a corsage, and a bouton- is important because it makes it possible niere for my brother. to hang the letters on Looking back at my a length of ribbon or photos, every year yarn. is the same – fancy A cheaper alternadresses, baskets filled with colored eggs and tive is to substitute paint chips for the carnation corsages. construction paper. Why not begin an Cut the paint chips Easter tradition of into egg shapes and your own? Consider fasten letter stickers crafting with your on top to display the kids in the creation greeting. Separate the of an Easter banner. words in the greetThere is the fun of ing with an Easter making it, then the themed design like pride of displaying it a carrot or bunny. and finally the thrill To avoid folding the of saving it to bring paint chips, it’s easy to back in the years to punch two small holes come. A banner can in the top of the eggs be hung from the in order to hang them fireplace mantel, to with a long piece of be enjoyed by every silk cord. visitor to your home Create a tradition and reminding you of the fun you all had for your family with a little Easter crafting. making it. By Sandi Genovese Tribune News Service
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The best and worst paint colors for every room are said to bring down a person’s blood pressure, Colors have a respiration rate proven psychologand anxiety levels. ical effect on our And light greens moods. And the colors we choose for are said to make people feel serene, our homes have a proven influence on comforted and refreshed. Interour overall quality estingly, the color of life. Using color psychology, we can green is also said to create a home that stimulate fertility. WORST: DARK relaxes, energizPURPLE, ORes and focuses us ANGE AND YELwhere and when we need it most. It LOW Dark purple is just takes knowing which colors to use said to stimulate vivid dreams and in which room – and which colors to nightmares. This is especially true for avoid. deep, dark mauve BEDROOMS For the bedroom, and eggplant shades. If purple is it’s best to choose your color of choice, peaceful, relaxing consider a soft colors that will help you get a good lavender. This will bring the bedroom night’s sleep. a sense of calm, BEST: BLUE the same way blue AND GREEN does. Bold orange The color blue is said to make peoevokes a sense ple feel excited or of calm. In fact, energized – making all shades of blue HomeAdvisor
it a better match for an exercise room than the bedroom. And yellows can make people feel hungry, which is undesirable in the one room dedicated to sleep. KITCHEN The kitchen is a place for happiness and community. Choose a color that will inspire you to cook for and spend quality time with loved ones. BEST: YELLOW, EARTH TONES, WHITE Yellow kitchens tend to make people feel happy, optimistic and inspired. What’s more, yellow is said to activate the metabolism and make people feel hungry. Rich browns emulate the color of the earth, which can be associated with the fresh food we eat.
And crisp whites will help give your kitchen a clean, airy feel. WORST: BRIGHT ORANGE AND RED Experts warn: Stay away from bright orange and red if you’re watching your weight. These colors are said to stimulate appetite. BATHROOMS Your bathroom is a place for selfcare and self-love. Go with colors that make you feel relaxed, refreshed and confident. BEST: LIGHT GREEN, LIGHT BLUE AND BLUSH The calming effect of light green and blue make them great choices for the bedroom as well as the bathroom. And blush pinks are not only
flattering to all skins tones, but they are also said to make people feel warmer after stepping out of the tub. WORST: NEON, DARK PURPLES, BLUES AND REDS Neon colors, such as hot pink and lime green, are too bold for the bathroom; they won’t stand the test of time. And dark purples, blues and reds are considered oppressive colors. They will make a small bathroom feel even smaller. OFFICE The office is meant to make you feel productive and undistracted. Here, you want to choose colors that put you in the zone. BEST: GRAY AND GREEN Gray tones are detached and
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3820 W. Hall of Fame - $390,000
Country setting two-story brick home, custom-built in 2006 with all the bells and whistles! 1.11 acres with a spacious 3900 plus square feet home! Three different living areas, covered patio, beautiful custom concrete work. New carpet and paint in several areas of the house; solid surface floors in both living areas. Master bedroom suite on first floor has amazing master bathroom and closet, plus gas log fireplace. Two miles west of OSU. Tankless water heater. Separate tub & jetted tub in master bath. Island in kitchen, gas range, pantry. Livestock, outbuilding permitted; Ag. No restrictions.
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33 Yellow Brick Dr - 4 bed/2.5 bath/ 3 car garage in the SW. Built by Ron Walker. House sits on just under 1 acre lot. Large open living room, dining room, family room. 2 gas fireplaces - family room and master bedroom. Spacious kitchen with storage, 5 burner stovetop, and sub-zero refrigerator. Large master with huge walk-in closet. Security system, sprinkler system and safe room ............................................$485,950
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want to feel when your work becomes frustrating. WORST: RED Red is said to be physically stimulating and anger-enhancing. For most of us, that’s the opposite of how we want to feel when we’re trying to get some work done.
Stillwater NewsPress • Friday, March 23, 2018
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steady, which may help you feel less distracted and more organized. And green is considered to be a color of concentration, as well as one of the best colors to look at over a long period of time. As a bonus, green represent tranquility – something you
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Stillwater NewsPress • Friday, March 23, 2018
PUBLISHER’S NOTICE: All real estate advertised herein is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status or national origin, or intention to make any such preference, limitation or discrimination.” This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.
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3bed/4bath 2 story 2600 square foot duplex, oversized two car garage available. These units are extremely energy efficient and feature an abundance of storage. Includes all major kitchen appliances and washer dryer hook ups. $1,200.00 per month with $1,200.00 deposit with a one year lease. Pet friendly. 405-880-2785
11920 S Sangre Rd Single Family, Farm house on 1.5 acres with cellar, car port, storage building, separate garage, chicken house, and nice garden area. Hardwood floors. Surrounded by 158.5 acres of pasture with cattle. Perkins school district. Outside pets ONLY. 950/month, 11920 S Sangre Rd Call (405) 612-2716
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2 BR/2 BATH HOUSES AVAILABLE.
TWO FLOOR PLANS TO CHOOSE FROM! These energy efficient homes include all major kitchen appliances, WD hook ups, zoned H/A, on-demand hot water, and foam insulation, quiet neighborhood minutes from campus. Pet friendly. Plan A= $700 month/ $700 deposit. Plan B=$750 month, $750 deposit. 405-880-2785
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Homes ATTENTION! NOW LEASING For June 1, & August 1,2018
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412 S. Lowry 2BR/1BA CH/A. Fenced back yard $500/mo. plus deposit Pets OK. 580-252-4590 or 471-4788 after 5pm.
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For sale owner finance 2 bedroom 2 bath, 97 mobile home located on 1 acre, 7-9 miles west of Stillwater located 1/2 mile west of Coyle road south side of road mobile 12619 W. 51 Hwy. $450 down $450 month. Needs a little work. Call 405-747-4180. Lot for Rent! Valley Acres Mobile Home Park 2800 West Lakeview $275/month. 2007 or newer and in good condition 405-372-5532
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Don’t be afraid to shop around for a better mortgage deal week ending March 11. That was up by more than a tenth of a percentage point from a year ago. What that means is that you as a R. HARNEY potential applicant, presenting the identical charac60 months alone. Compare that with teristics to each saving a few bucks competing lender – same credit score, filling up on gas. same loan amount, New studies same everything – suggest that the would likely see a spread between high-low spread of high and low nearly six-tenths of quotes available a percent in quoted to borrowers may APRs. (The annual be higher – even percentage rate increasing. Lending Tree, an online measures the cost of the loan when network with 342 fees are added into mortgage compathe quoted interest nies competing for home buyers’ busi- rate, thereby giving a more accurate ness, found that the median spread picture of the true cost per year.) between annual That spread in the percentage rate case of a $300,000, (APR) quotes to 30-year fixed rate individual borrowmortgage transers for each loan request on its plat- lates into $26,780 form was six-tenths over the life of the loan. of a percentage Another online point during the
The Nation’s Housing Column KENNETH
Stillwater Real Estate Auction Friday, April 6th 6:00 p.m. • Live Auction 1309 S. Chester • Stillwater, OK Here’s a neat home with lots of updates. It would make good starter home or rental. Call the office for veiwing arrangements 405-533-2600.
Gregg Pickens • Broker/Auctioneer Cell: 405-747-9304 • Office: 405-533-2600 pickensauctions.com • Stillwater, OK
scratcher.” A “fear bar” may be part of the problem, Lantz believes. There “are a lot of numbers, a lot of terms that are foreign” in mortgages, she says, which for some buyers can be intimidating. Though there are other online shopping platforms, Lending Tree and Zillow are major players, easy to use and free. There are noteworthy differences however. Lending Tree promises you up to five firm offers from competitors but requires you to submit personal identifying information so lenders
can evaluate your application. Zillow Mortgage does not require personal information and says it averages 30 return quotes per inquiry, but the quotes only become firm when you actually apply to a specific lender, and that requires submission of the usual personal information needed for underwriting. Bottom line: Don’t go limp. Get active, shop for your mortgage money, and save a bunch when it really counts. Ken Harney’s email address is Harneycolumn@ gmail.com.
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anteed. Uh huh. When the Consumer Financial Protection Bureau surveyed 5,000 recent home purchasers several years ago in the first national study of its type, it found that fully 47 percent of buyers didn’t even “seriously consider” more than one lender; 77 percent applied only to one. CFPB researchers also found that rate quote variations among competing lenders for the same prime borrower – with a high credit score, 20 percent down payment, seeking the same mortgage amount – frequently vary by one-half of one percentage point. That may not sound like much, but the bigger the loan and the longer it continues, the heftier the dollar savings for borrowers who shop and nail down the bestpriced money. Even on a $200,000, 30-year fixed-rate loan, choosing a lender quoting a 4.5 percent rate, compared with a lender who’ll do the loan at 4 percent, can cost you $3,500 in the first
platform that allows lenders to make competing offers, Zillow Mortgage, conducted a data analysis exclusively for this column that showed the median high-low APR spread in offers on its network of hundreds of lenders and brokers to be even wider – just under seven-tenths of one percent on a 30-year fixed loan with 20 percent down. Erin Lantz, vice president of mortgages at Zillow Group, says home buyers’ willingness to forgo shopping among multiple lenders “is a head
Stillwater NewsPress • Friday, March 23, 2018
WASHINGTON – It’s one of the weirder documented facts about home buying in America: Surprising numbers of consumers don’t bother to shop for mortgage money, even though they could save tens of thousands of dollars through lower interest payments by doing so. People search incessantly online to find the best deals on hotel rooms, kitchen appliances, furniture, clothing and tons of other stuff. Or they drive out of their way for the lowest gas station price per gallon. But for some reason, many go limp when it’s time to make a really high dollar purchase – getting a mortgage to purchase a house, often the biggest expenditure of their lives. Maybe they’re shell-shocked from the home search process. Maybe they assume that lenders quote roughly the same rates and fees, so why bother? Maybe their real estate agents whispered in their ears that their brokerage enjoys a special relationship with a particular lender – in fact, they’re partners, sharing profits generated from home buyer clients – and will give them the best deal around, guar-
Yost Rd.
Yost Rd.
To Cimarron Turnpike
OPEN HOUSEMap
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McFarland St. Kings St.
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Rid lue Sprin B gdal Wo e Dr. odc res t Dr. 11th Ct. Edgemoor Dr.
Iba Dr.
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Charles Dr.
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Isabell Pointe Dr.
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Greystone St.
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Persimmo
Stillwater NewsPress • Friday, March 23, 2018
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Shadow Creek Ln.
Yello
Briarcreek Dr.
St.
Lauren Lane
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Dells Av.
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18th Ct.
18th Av.
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Woodlake Dr. Deer Creek Ct.
Shiloh Creek
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Westbrook Ct. 15th Av.
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Murphy Dr.
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Crestview Av.
7th Av. 8th Av. 9th Av.
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Dr.
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shir evon
Sunset Av. University Av.
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Admiral Av. Sherwood Av.
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VillasCt.
11th Av.
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. Club Dr . Country Club Ct Country 14th Av. Woodland Ct. Oakfield Ct. 16th Av. Dr.
Fairway Dr.
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Frontage Road 7th Av.
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Oak
Pecan Lake Av. Trenton Ct. Pecan Trail Ct.
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Mercury Av.
Liberty Dr.
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Pecan Hill St.
Oakdale
9th Av.
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Virgina Av. 2nd Av.
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Hall of Fame Av.
1st Av.
7th Av. 8th Av.
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Ct. Av. uita rgia Chiq d Ct. Geo woo Wild Brentwood Dr. n Dr. Peca Redbud Dr. Redbud Dr. Randolph Ct. Eskridge Av. Windrock Hartman Av. Cr. Tyler Av. Tyler Av. Highview Av.
Dr. nett Graham Av. Ben Will Rogers Dr. Eskridge Av. Eskridge Av.
Eskridge Pl.
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Farm Av.
8th Ct. 9th Ct. Trenton Av.
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McElroy Rd.
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Boo
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Tyler Av.
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Boomer Lake
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Eskridge Av.
Benjamin
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Hereford Dobi Ln.
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Vena Ln.
3rd Pl.
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Dr.
. Dr
Sta
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177
Tobacco Rd.
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Av.
t.
Airport Rd.
w illo
Harned Av.
Liberty
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Cheyenne Av.
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Newman Av. Hillcrest Av. Brown Av.
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Ute Av.
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United Country 8. 1001 Leland Ct. 2-4 ..............................................Christa
gate Dr .
Rog
Ranch Av.
NextHome Heartland Realty 7. 1008 N. 5th 1-3 PERRY .....................................Rhonda
Lynn Ln.
North
Britton Ct. B Dr. ritton Greenbriar Cr. Dr. Au d Ma ene D rieD r. r. Greenvale Ct. Ct. side C rook
Golf Dr.
B
Fisher Provence 5. 3820 W. Hall of Fame 1-3 .......................................Page 6. 1709 Hidden Oaks 1-3 ..............................................Kim
Windsor Cr.
nd St. Husba
Stonecrest Ave.
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Park Pl. Tower Park Dr.
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Real Estate Professionals 1. 3120 W. 31st Ct. 1-2:30 ....................................... Tiffany 2. 3310 Charleston Ct. 1-3 .....................................Donna
7
Chateau Ct.
Amethyst Ave.
Richmond Rd.
Coldwell Banker Team Stillwater 3. 2020 E. Kelsey Ln. 1-3..................................... Delphine 4. 106 Boardwalk 2-4 .............................................. Connie
Ct.
yon
Can
Chateau Dr.
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mil
Topaz Ave.
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Jardot Rd.
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