News Press Stillwater
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65
The percentage of new single-family homes started in 2016 that included a porch, to a Census data analysis from the National Association of Home Builders.
se Hou .m. n e Op y 1-3 p da Sun
$547,700
“Bringing Buyers and Sellers Together Professionally”
October 13, 2017
2113 Oak Trail Dr.
se Hou .m. n e Op y 1-3 p da Sun
Real Estate Professionals www.stw-realestatepros.com 405-372-5151
$331,900
2302 Silverdale Dr.
e ous .m. H p n e Op 1-2:30 day Sun
Weekly Features: • About Real Estate • Classifieds • Open House Map Visit our web site at
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$371,500
3329 Charleston Ct.
se Hou .m. n e Op y 1-3 p da Sun
$430,000
713 Karen Ave.
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Stillwater NewsPress • Friday, October 13, 2017
Hacking catastrophe at Equifax worse than initially thought An additional 2.5 million Americans may have had their credit histories stolen, one of the nation’s largest credit bureaus says, pushing the number of pilfered accounts to as many as 145.5 million - roughly half of the nation’s total population. There are steps that consumers can take to protect themselves. *** DEAR MR. MYERS: I contacted the Equifax credit bureau after reading your recent column about the thieves who hacked into the company’s files and stole a bunch of consumers’ personal financial information. I was glad to learn that my own files weren’t among them, but now my sister says that Equifax has admitted that the breach was much bigger than it initially believed. Is this true? If so, what should I do now? ANSWER: Your sister is correct. Equifax, one of the nation’s three major credit bureaus, announced on Oct. 1 that a review conducted by an outside firm it hired suggests that as many as 145.5 million files may have been comprised. That’s 2.5 million more than it had originally estimated several weeks ago.
sion, Hecht - who both in our 80s. died in 1964, at the We have owned age of 70 - didn’t our home togeththink that the er for nearly 40 Sunshine State’s years and the roaring real esmortgage was tate market would paid off a long last. He kept the time ago, but $2,500 he earned now my sweeteach week inside heart has been his coat instead of diagnosed with each of the three From mid-May depositing the cash early-onset Alzthrough July, Equi- major bureaus by into a bank, leading heimer’s. We are fax says, the hacker visiting www.annu- some to wonder why both afraid that alcreditreport.com or hackers had he was apparently she will have or by calling the access to all of the putting on so much to be placed in information needed agency at 1-877-322- weight. a special full8228 if they haven’t to steal identities. Hecht got the time facility if That includes Social made such a request last laugh. When her condition during the past 12 Security numbers, the stock market worsens, but the months. birthdates, home crashed in 1929, cost would not It will cost about addresses and (in he was one of the be covered by some cases) driver’s $10 or $20 for few who escaped Medicare. If she each document if license and credit relatively unscathed must be sent to a the accounts were card numbers. because most of his specialized home, accessed more reThough your money wasn’t stuck would I be able to cently. letter states that in worthless securi- sell our property *** you have already ties or failed banks. myself to help pay DEAR MR. checked with EquiInstead, much of for the cost of her fax and learned that MYERS: Is it true it was inside his care? that one of my your personal files jacket and strapped ANSWER: Proball-time favorweren’t stolen, it around his waist. ably not. Assuming wouldn’t hurt to ask ite authors and *** that you and your playwrights, Ben again in the wake QUESTION: My spouse hold title Hecht, made a of the firm’s Octowife and I are through the comkilling by specuber annoucement. lating in Florida Call the company’s real estate in the special telephone 1920s? hotline (1-866-447ANSWER: Hecht, 7559) or visit www. equifaxsecurity2017. whose body of work ranged from the com/potential-imscript of the original pact. Like before, you’ll “Scarface” to the rewrite of “Gone With be asked for your the Wind,” didn’t last name and the dabble much in final six digits of your Social Security Florida real estate when its market number to quickly first took off in the find whether your early 1920s. But credit file was he made a “killing” among those that Sandy Blankinship from the boom noneMike Branson Beverly Carter were stolen. Sandy Blankinship Mike Branson Beverly Carter 405.269.9523 405.612.5347 405.743.9618 405.269.9523 405.612.5347 405.743.9618 As I wrote earlier, theless, getting paid the then-princely this is a good time sum of $2,500 for consumers to each week to tout check their credit reports even if they the state’s various attributes and its weren’t exposed by seemingly unending the Equifax hackrealty opportunities. ers. Readers can Virginia Cussner Oscar Fortune Diana Field Virginia Cussner Oscar Fortune Diana Field 405.747.7601 405.747.6042 405.747.4684 By his own admisget free copies from 405.747.7601 405.747.6042 405.747.4684
About Real Estate
DAVID MYERS
monly used joint tenants with right of survivorship - or in the similar “tenants by the entireties” - both you and your wife would be required to sign a sales agreement or any other type of contract. That could be a huge problem if her illness eventually gets to the point where she must be transferred to a fulltime care facility, because she likely would then lack the legal capacity to understand the decision she was making. I am so deeply sorry for your current situation. I, too, have lost loved ones to this terrible memory-robbing disease. Consult an attorney soon to discuss your options. One solution might be to ask a judge to
appoint an independent conservator, such as a trusted relative or friend, who could legally act on your wife’s behalf. Many states don’t allow a spouse to act as a conservator, in part because it may create a conflict of interest. If your wife still has most of her mental faculties intact, the lawyer might instead suggest that the two of you create a basic living trust and put your home and other assets into it. Both of you would be co-trustees while she’s still competent to make decisions on her own. But if her condition worsens and she must move to a full-time care facility, you could sell the home yourself and make other key decisions on her behalf.
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
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
Steps to follow for caring of newly planted tree Home Grown KEITH REED
the trunk. This will almost always be on the southwest side of the tree. It is caused on cold but sunny winter days when the trunk warms quickly with the low winter sun. The bark wrap serves to prevent this overheating. This is a common problem with maples planted in our area so this is
an important factor that should not be overlooked. However, problems of a different nature can develop when this wraps are left on the trunk throughout the growing season. Just like with excessive mulch, wrap can harbor insects and disease. To prevent this, remove trunk
wrap each April and replace it again each fall (after leaf drop) until the bark begins to develop some signs of maturity. Finally, closely inspect the root flare of the tree once a year or so for the first several years of the tree’s life, looking for signs of girdling roots and cut or remove them as
needed. While this is primarily an issue to be addressed at planting, problem roots can also show up several years later. If the tree has been mulched properly, this is an easy thing to do. Simply rake the mulch away from the root flare for a quick peek and then rake it back into place.
Winter injury is trunk-soil interface, only a small amount characterized by large sections bark of mulch should be splitting away from used. The depth of mulch can then be increased to 2-3 inches as you move away from the trunk. The mulched area should extend a bit beyond Dolores Lemon CRS, CRB, GRI the original diameter Broker/Owner of the root ball at a 405-747-7822 minimum, and several feet if possible. • Proper staking is also important. Allow the tree some Donna Rhinehart movement and make downtownstw.com GRI, CRS sure the stems/trunk Realtor Associate is not damaged by 405-612-0509 the staking material. Except in extreme Bringing Buyers & Sellers Together .... Professionally. cases, one year NEW LISTINGS should be plenty of 6012 Canyon CtOver 55 Neighborhood sold in 1 week - $199,000 - Donna time to leave staking Jack Allred materials on a new 000 S. Country Club Rd30 Acres for your dream home - $540,000 - Tiffany Broker Associate 405-747-8647 planting. If ropes, 13721 E. 169th St. S, Bixby Ok- 102 acre estate home, arena, pool-$1,750,000-Lori wires or other stak7207 S. Prairie Rd- 4 bed 6 bath, pool, 3 car garage, 20 tranquil acres-$790,000-Donna ing material is left on 2123 Oak Trial Dr.- 3 bed 3 bath, pool, BEAUTIFUL-$475,000-Dolores long enough to cause 5607 S. Mehan Road- MOVE IN READY 3 bed, 2.5 bath, 6.02 acres-$250,000-Tiffany deformation, the 503 E. Chantry, Perkins- 3 bed, 2 bath, 2 car garage, large lot, mature trees-$162,500-Lori tree will never fully Jennifer Oliver recover. 9200 S. Perkins Rd- 8 acres with highway frontage-$160,000-Lori GRI Your tree may Realtor Associate 1513 Fiddlers Hill- NEW CONSTRUCTION IN FIDDLERS HILL/SW Community-364,800-Tiffany 405-612-4984 have come from a 810298 S. HWY 18- 10 acres 3 bedroom home with shop & storm shelter-$325,000-Kyle nursery with a pro719 Karen Ave.- 4 bed 3.5 bath 3 car garage in the newest addition north side of Stillwater-$432,500-Donna tective wrap installed 56501 S. 3480 Rd- 159 acres of hunting paradise-$286,200-Jan around the trunk. This serves to protect 4302 Braxton Ln- 3 bed, 2 bath, total electric - peaceful area-$125,000-Ann the tree during the 3314 W. Charleston Ct- 4 bed, 3 bath, 3 car garage on 2 lots in Berry Creek-$439,000-Donna Lori Kastl shipping and hanCRS 3520 N. Washington- SALE PENDING-$295,000-Tiffany Realtor Associate dling process. This 405-880-2844 wrap can also protect PRICE REDUCTION trees from one of the 11 Lots in Red Rose Valley from 1/2 acre to 2.26 acres - Call Tiffany for prices most common envi2302 Silverdale- Priced to sell don’t miss this one - $331,900 - Donna ronmental stresses 221/231 N. Husband- Commercial Property Priced to Sell - $1,750,000 - Donna many species face; winter injury, also Cheryl Moody 11010 White Tail Ln- Beautiful home in Perkins Schools - $330,000 - Tiffany Closing Coordinator called southwest in2113 Oak Trail Dr- Beautiful home move in ready- $547,700 - Dolores 405-372-5151 jury (or sunscald).
Tiffany Aranda GRI, CRS Realtor Associate 405-714-1214
www.stw-realestatepros.com
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
Jan Lehenbauer GRI Realtor Associate 405-334-6988
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Ann Morgan Realtor Associate 405-614-9600
Stillwater NewsPress • Friday, October 13, 2017
Once the investment of a new tree is made, it is critical to follow a few steps to help insure its long term success. These are not difficult tasks, but based on years of observations, they are steps that appear to be often neglected. For the purposes of this discussion, we will begin with the assumption that the tree has been properly planted and its water needs are being met. If you have yet to plant this fall, contact the Extension office (http:// oces.okstate.edu/ payne) for advice on proper tree planting procedures. • Mulch properly. In addition to serving the important role of moisture management, mulch also helps to limit competition with turfgrass. In our area, bermudagrass is an especially vigorous competitor for water and nutrients and keeping it away from a small tree will pay big dividends over the first few years of the tree’s life. As mulch breaks down over time, it also improves soil biodiversity, which helps to create a healthier plant. • Avoid piling mulch up directly against the trunk of the tree. Volcano mulching, an industry term for poorly installed mulch piled around the base of a tree, acts as a harbor for disease and insects. At the
Negotiating the right price for the right deal You make your money when you buy. Buying right starts with your analysis and then comes down to the negotiations. The thought of negotiating elicits very different feelings for different people. It excites some people. Others loathe the thought of it. For me, I love crafting the deal and figuring out how to satisfy all parties. In my experience, successful negotiations do not come from simply offering low and hoping for the best. Successful negotiation of a deal comes from trying to find the win-win and having the numbers and analysis to justify your offer. If you’re looking at a property that
Retire with Rentals AUSTIN FRUECHTING is in need of rehab, you have to know how much that will cost as well as where you, or any other investor, would want to end. If it’s turnkey at any level, know the going rate for that level of finishes and class of property. The asking price is irrelevant. The only price that matters is the one you are willing to pay based on your analysis. Even if the number that works for you is much lower, offer it and provide your justi-
fication! Providing the “why” for your number greatly increases your chances of making a deal versus just submitting the number. You cannot worry about “offending” the seller by a low offer. The absolute worst case scenario is that they say no. That’s not a bad worst case scenario! So why take it upon yourself to write off a property just because your offer would have to be much lower than their asking price? Don’t just
pass it by assuming a deal isn’t possible. I have offered as little as 61 percent of the asking price of a property with my first offer. The property was in very rough shape and it was going to be a major rehab. I had done all my homework and had solid justification for my number that I submitted along with my offer. It would have been easy to just pass by the opportunity
thinking that they would be offended. Thinking that there would be no way they would accept my offer. But I didn’t concern myself with that. They were actually just happy to receive any offer and we ended the negotiations at 67 percent of the asking price. It’s not all about just offering low all the time either. At times, I have offered the full asking price when it’s
a great deal. Had I tried to offer low just for the sake of shaving a little more off an already great deal, I may not have got the property. I have even offered above asking price for properties a couple times when the numbers supported it and I thought I would have a lot of competition. Negotiating
623 W. 6th Ave., Stillwater, OK • 377-1213
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Beds / 1.5 Beautiful Craftsman Style Home on two lots located3in Perry, Oklahoma. Built inBath 1920, this historic two story home features 3 bedrooms, 1.5 baths, 2,484 sq. of livingGarage space, unfinished basement 2 ft.Car with pantry and laundry areas, central HVAC and hardwood floors. NEW PRICE $149,900
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Stillwater NewsPress • Friday, October 13, 2017
Rhonda Plake CRS, GRI, MRP Broker 405-385-2478
Larry Souders
Larry Souders Realtor Associate Realtor405-780-3265 Associate 405-780-3265
HEARTLAND REALTY
Hear it
FIRST
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doesn’t have to be scary. It’s business, not personal. Keep it that way and make your money when you buy. Austin Fruechting retired in seven years by investing in rental properties. For questions, comments, and to learn more about how you can achieve the same in ten years or less visit www. goodlifeinten.com
OPEN SUNDAY 1-3 PM We need more listings, have buyers!
N. CRESCENT 1805 N.1805 Crescent • $189,500 3 Bedroom / 2.5 Bathrooms • 3 Bedroom •$184,500 2.5 Bathrooms
Call 405-762-6160 for a showing
SOLD 611 W. Yost Rd. 4 Bed/3.5 Bath Home 4122 E. Burris Rd. 4 Bed/3 Bath Home on 2.03 Ac. M/L UNDER 824 W. AirportReal Rd. 4Estate Bed/2 Bath 2445 sq. ft.
CONTRACT
405-334-5737
514 E. Greenbriar Circle Stillwater, OK 74075-1634
120 N. Perkins Rd Ste. D Stillwater 405-377-1818
Tommie Eberle
Tommie Eberle Broker/Realtor®, GRI Broker/Realtor®, GRI 405-714-2687 405-714-2687
715 S. Willis Street $349,500 $149,000 3 Beds | 2 Baths | 1 Car Garage $153,000 1,452 sq ft | Westwood Elementary $169,000 SANDY BLANKINSHIP
Frank Lewis 405-762-6160 Pinnacle Sales Award Winner
Frank Lewis 405-762-6160
Realtor 405.269.9523
405.624.2626 www.c21global.com 131 N. MaiN, Stillwater
Pros and cons of vacation home for rent? Dave Says DAVE RAMSEY ment properties. What you’re talking about is more of a plan to offset the annual costs of your toy. If you look at it that way, I don’t think you’ll be disappointed. If you’re determined to go this route, be ready to deal with spills on the carpet and damage from your guests, along with general maintenance and repairs. There’s always something that needs attention when you own a property. But if you can handle all that emotionally and financially – and you’re not looking for it to be a bigtime investment
that will make you rich – you’ll be fine. —Dave Wait on IVF? Dear Dave, My wife and I are on Baby Step 2 of your plan. We have about $60,000 in debt left to pay off before we’ll be debt-free, and a household income of $140,000
a year. We have one child, but we would like to expand our family. We would have to do this using in vitro fertilization. We’ve talked to a doctor, and he’s given us a ballpark figure of about $20,000 for the procedure. Should we wait until we’re debtfree to have this done? – Jim Dear Jim, Babies are wonderful, important things. Having kids, even the thought of having kids, is a big emotional deal. But sometimes it can cause people to change their fi-
NEW LISTING - 1013 E. DELL - 3 bed / 1 bath / 2-car garage. Large fenced yard, close to schools and shopping.........$126,500
2106 WALKING TRAIL - 4 bed / 3.5 bath/ 3-car garage with storage. Original owner - SOLD custom built by Ron Walker.... $580,000
NEW LISTING - 1310 W. 11th - 2 bed / 1 bath / 1 car garage. Ready for occupancy, large fenced backyard and SOLD close to city park...................................................$89,900
nancial plans and directions. I would urge you not to accept the first opinion and pricing model you receive on something like this. I’ve heard prices of $35,000, but that includes as many attempts as it takes until your wife becomes pregnant. I’ve also heard of single attempts priced at $7,500 each. There are all kinds of options and guarantees, because they understand someone who is willing to do this really wants a baby. If I’m in your shoes, I’m not accepting the idea
that there’s one approach and one pricing structure to all this. I would explore other options, as far as doctors and clinics are concerned. Then, with your income, you could consider taking off a couple months from paying down debt and put some money toward the IVF. If it doesn’t work pay off a little more debt, pause the debt payoff, and try for a baby again. Take some time, learn a little more, and go from there – always using cash for the endeavor. God bless you two! – Dave
* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 13 million listeners each week on 585 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @ DaveRamsey.
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3701 WEST FOREST TRAIL CT. $252,500 4 Bed / 3 Bath – Sangre Schools Woodland Trails Subdivision Call 405-762-6160 for a showing
Call CallShauna ShaunaCrowson Crowson
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Real Estate
BARBARA HOUCK - REALTOR® - 747-8804 KENT HOUCK - REALTOR® - 372-7060 JOHN GAGE - REALTOR® - 612-6068
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BARBARA HOUCK BROKER/OWNER
Frank Lewis 405-762-6160 Pinnacle Sales Award Winner
30+ years of experience
372-5343 x130
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405.742.4871 405.742.4871
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RCBbank.com/Save500 *With approved credit on RCB Bank Mortgage secondary market loans locked between October 1, 2017 and December 31, 2017. Must minimum loan and program underwriting requirements. must be used *With approved credit on meet RCB Bank Mortgage secondary market loans locked between Lender Octobercredit 1, 2017 and toward closing cost, not redeemable for cash. Other restrictions may apply. Member FDIC. NMLS #798151
December 31, 2017. Must meet minimum loan and program underwriting requirements. Lender credit must be used toward closing cost, not redeemable for cash. Other restrictions may apply. Member FDIC. NMLS #798151
NMLS #798151
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514 E. Greenbriar Circle Stillwater, OK 74075-1634
MortgageOriginator Originator Mortgage
Stillwater NewsPress • Friday, October 13, 2017
Dear Dave, What is your opinion of buying a vacation home, then renting it out when you’re not there? – J.P. Dear J.P., I see nothing wrong with it, as long as you’re buying with cash and you’re also debtfree. A vacation home is a wonderful “extra” as you start building wealth. Remember though, it’s still basically a very large, very expensive toy. In most cases it will go up in value, and if you rent it, it might become something of a money maker for you. But here’s another side to vacation home rentals. You’ll probably make some money, but in most cases there will be several weeks during a year when it sits empty. You’re not going to get rich renting it out. So, they’re not really great invest-
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Stillwater NewsPress • Friday, October 13, 2017
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.
Manufactured Homes
For Sale owner finance 5 acres, with a 16x80 2000 model 3 bedroom 2 bath, mobile home water well, new carpet, $600 down $600 month $60,000 purchase price located between Stillwater & Ripley. 11908 Rowdy Acres Ripley. From Stillwater go 8 miles east, to Bethal road turn right (South) go 3.25 miles Rowdy acres is on left first mobile home. 405-747-4180
Manufactured Homes
For sale owner financed 3 bedrooms, 2 baths, 1500 sq. ft, mobile home, 2000 model, new carpet, new paint, A/c just reworked. 3/4 of an acre. $650 down, $650/month. $65,000. double wide located half way between Stillwater & Perkins. 6611 Windy acres. 405-747-4180
For sale owner finance 3 bedroom 2 bath located on 4 acres $55, 000. 00 $550 a month down payment negotiable lots of trees big Creek in backyard needs a little work 16x70 1999 model mobile home 405-747-4180 located 15 miles east of stillwater to 18 and 51 junction turn left which is north three and a half miles to salt Creek bridge go 300 feet north of new bridge 2 Wallace circle road turn left which is west take the left fork when you turn in property and then take the right fork in road follow on down road look for sale sign
Land/Acreage
Land for sale! Hwy. 64 and Red Rock Rd. 28 acres, paved road frontage with barn and pond. $200,000.00. Also 20 acres with paved road frontage no improvement. $6,500 per acre. The land amount is negotiable. 405-612-3083
Real Estate Rentals
Homes
1624 W 7th4 bedroom 2 bath home located by hospital. All new carpet and flooring, lawn care provided. Call (405)377-8740.
3 years oldalmost new 3 bedroom, 2 bath, 2 car garage house for rent. Ready now. located half mile to Country Club.OSU bus pick up just 1 street away. $1,290.00 per month Please call 405-385-1624 3804 Bristol Lane Sangre School District, Three bedroom two bath two car garage duplex, all major appliances including washer, dryer and microwave. Lawn care provided Call (405)377-8740 for showing 4721 W 18thLarge three bedroom two bath two car garage duplex, all appliances, wood floors located at 19th and Country Club. Call (405)377-8740 for showing. 610 S Jeffersontwo bedroom one bath house located behind Sprouts. Call (405)377-8740.
Homes
Clean 2 bedroom home 8209 W Lakeview stove, fridge CH/A, 405-848-8137 or 642-9174.
First Month Free! Beautiful, huge 3 & 4 bedroom duplexes available 405-707-7277
Apartments
CStar Management currently has 1,2,3 and 4 bedrooms apartments, houses and duplexes. Call (405)377-8740 to get current listing.
Henneberry Properties at Carleton Crossing, now leasing studio apartments, townhouses, two and three bedroom units. Call today 405-372-7395.
www.cowboyproperty.com
ATTENTION! NOW LEASING For IMMEDIATE MOVE-IN!
at Stillwater
NOW LEASING! 1 AND 2 BR Apts with FREE Amenities AND Golf Privileges!!
405.707.7400 LindseyManagement.com Professionally Managed by Lindsey Management Co., Inc.
We have a few 1, 2, 3, & 4 Bedroom Homes, Duplexes, Apartments around Stillwater and surrounding areas. Go to our web-site at www.campbellmgmt.com to check “Availability”. Call 405-372-9225 ext 0 to schedule a viewing!
Henneberry Properties. Studio, One, Two and Three bedroom apartments, Townhouses, Duplexes and Rent Houses. Call today 405-743-4266 Highpoint Apartments walking distance to Boomer Lake. 2 bedroom.1 bath. Open Spacious lay out! Great bedrooms and big closets! Ample parking. $510.00 per month. $300.00 deposit. Call today. Henneberry Properties 405-743-4266
Apartments
at Stillwater
1 AND 2 BR Apts with FREE Amenities AND Golf Privileges!!
405-372-9910
LindseyManagement.com Professionally Managed by Lindsey Management Co., Inc.
Oak Park Village 2903 N. Perkins Rd. 2 bedroom 1 bath apartments only $540.00 per month, $300.00 deposit. Swimming Pool and Laundry on site. Call Henneberry Properties 405-743-4266
Commercial/Business PATTON PROPERTIES 405-372-3900 www.stillwaterok comercialproperty. com bpatton@ farmersagent.com
Lakeview Plaza: (Lakeview & Perkins Rd.) •Office/Warehouse 2500 sq. ft. $875/month •Retail/Office 2000 to 6000 sq. ft. Jardot Warehouse: Warehouse space 1250 sq. ft. $350/month Fountain Square: Office/Retail 2400 sq. ft. $2400/month
Commercial/Business
Office spaceCourthouse Plaza205 W. 7th. Small $275, large $500. All bills paid. Contact 372-4822, or come to 205 W. 7th, Ste. 201A
OFFICE SPACE: Adjacent to County Courthouse. Fully furnished/staffed front reception area, as well as private reception adjoining office; access to conference room, library and kitchen; phone, copier and fax machine access. Contact hellis@ellislaw.us.
Manufactured Homes
Lot for Rent! Valley Acres Mobile Home Park 2800 West Lakeview $240/month. 2006 or newer and in good condition 405-372-5532
Duplexes Pecan Hill Duplexes Three bedroom two bath two car garage duplex, all major appliances including washer, dryer and microwave. Call (405)377-8740 for showing Shalamar Duplex 2 bedroom 2 bath 2 car garage all major appliances. Call (405)377-8740 for showing
Protect yourself against rising risk of mortgage fraud or locking down their files at the three major credit bureaus – Experian, Equifax and TransUnion – as well at the fourth, albeit smaller KENNETH R. HARNEY bureau, Innovis. According to an estimate by one expert, solutions strategy. on 145.5 million Avivah Litan of During the same consumers were period in 2016, one accessed, could open Gartner Research, of every 143 loan ap- the door to far more only about 2 to 3 plications had signs sinister forms of ap- percent of consumers now have freezes of fraud. Among plication fraud. on their credit files, the varied types of In an interview, and only around 5 fraud tracked by Fleming told me percent ultimately Berg’s company that given the unmay be jolted into were misrepresenta- precedented range tions on the sources and depth of the in- doing so following the Equifax heist. of down-payment formation stolen in money as well as on the Equifax breach, A study by Credit Sesame, which income amounts and “the risk of identioperates a popular employment; undis- ty-based fraud and closed debts; and misrepresentation is online credit scoring and monitoring games played with certainly elevated. service, found that appraisals. To the extent that as of Sept. 25, less Other companies more people have than half of a perthat monitor morttheir information cent of 4.5 million gage fraud confirm out there,” the TransUnion credit that fraud has ingreater the danger, profiles had a freeze creased and could he said. on their reports, be headed in worThat risk may be according to a report risome directions. increased further by Bloomberg. Mark Fleming, chief by the apparently Why is this troueconomist for First slow-moving pace bling from a mortAmerican Financial of many American Corp., says the reconsumers to protect gage fraud perspective? And what’s cent massive hack themselves from the relevance for of personal data potential mortgage me as a homeowner at credit bureau and credit card or buyer? With the Equifax, where files fraud by freezing
The Nation’s Housing Column
OPEN SUNDAY
extraordinarily dethousands of dollars tailed and sensitive in the process. information that Though most hackers and their major lenders have customers may now software packages possess on millions that are designed to of Americans – spot signs of identity Social Security fraud, cases like this numbers, drivers keep popping up licenses, credit card and could become numbers, home admore frequent with dresses and more – the availability of so they may be able to much detailed inforcreate fake identimation from Equifax ties that are credible files floating around enough to fool banks on dark websites – and otherSIGNATURE lendersEXPERIENCE whether now or in THE RE/MAX Dedicated professionals providing unrivaled service. into granting home the months and equity lines of credit years ahead. and other mortgagWhat does this es in their names, all mean for you? making off with At the very least, RE/MAX SIGNATURE 114 W. HALL OF FAME, STILLWATER, OK 74075 405.533.3000 | StillwaterSignatureRealEstate.com
Gina Killough
Cheryl Carpenter Martin
GinaKilloughHomes.com 405.612.2210
CherylCarpenterMartinHomes.com 405.880.7354
Ted Newlin
Vicky Jerome
TedNewlin.Realtor.com 405.714.5309
VickyJeromeHomes.com 405.747.7239
Tina Darr
be aware that any form of mortgage fraud may constitute bank fraud, which is a federal crime. And get defensive if you haven’t already: Freeze your credit reports at all the credit bureaus. Identity thieves should find it much more difficult to take out a new loan in your name if your credit files are locked down. Ken Harney’s email address is kenharney@earthlink.net.
Candy Yundt
THE RE/MAX SIGNATURE EXPERIENCE Stillyhomes.com 405.697.0045
CandysHomes.com 405.742.4525
Dedicated professionals providing unrivaled service. Brooks Thomas
Julie Bahl
BrooksThomasRealty.com 405.880.3476
StillwaterHomeTeam.com 405.762.3744
RE/MAX SIGNATURE 114 W. HALL OF FAME, STILLWATER, OK 74075 405.533.3000 | StillwaterSignatureRealEstate.com Amanda Meberg
Kasey Longan
admeberg@gmail.com 405.612.2096
RealtorMomPro.com 405.880.5569
OPENHOUSE HOUSE SUN.SUNDAY, JAN. 22 OPEN 1-3 Beth OCTOBER 15TH 6209 W. Canterbury 1-2:30 Tina
Gina Killough
Beth Peterson
Candy Yundt
Brooks Thomas
BethPetersonHomes.com BrooksThomasRealty.com GinaKilloughHomes.com 405.880.4370 405.880.3476 405.612.2210 2618 Lyndsey Ct.
Each office independently owned and operated.
Ted Newlin
12-1:30 Julie 1908 E. Birchwood Ct 3-4:30 pm ~ Vicky
1124 Stoneridge Dr.
TedNewlin.Realtor.com 405.714.5309
CandysHomes.com 405.742.4525
Kasey Longan
www.propertyjustforyou.com 405.880.5569
Cheryl Carpenter Martin
Tina Darr
Julie Bahl
StillwaterHomeTeam.com 405.762.3744
Amanda Meberg
Open Sunday 1-3
Stillyhomes.com 405.697.0045
CherylCarpenterMartinHomes.com 405.880.7354
Vicky Jerome
VickyJeromeHomes.com 405.747.7239
admeberg@gmail.com 405.612.2096
Beth Peterson
BethPetersonHomes.com 405.880.4370
6324 Mesa Cr. - $280,000
Each office independently owned andinside operated. Beautiful Renovation! Step to see the transformed stairway, the magnificent kitchen, the classy dining
901 W. Moore Mike 1-3 pm
room, and open living room with corner fireplace. Updated colors and finishes that are sure to please! New soaker tub, tile shower and double vanity are spectacular. Hidden Oaks is a sought after neighborhood west of Stillwater off Range Rd. The neighborhood has larger lots, trees, and a community storm shelter. Very functional floor plan with three large bedrooms, office, and two bathrooms on the first floor; the fourth bedroom is upstairs. Great storage throughout the house. Over-sized two car garage.
3016 W. Wellington Paulette 1-3 pm
See more of this home at www.WeLoveSellingStillwater.com
Fisher Provence, REALTORS®
377-1000
A7
520 S. Knoblock St | 405-372-8326 www.teamstillwater.com
Page Provence, CRS Broker Associate (405) 612-0194
Stillwater NewsPress • Friday, October 13, 2017
WASHINGTON – Fraud in connection with home mortgages is on the rise, ranging from little white lies about the intended use of the property all the way up to much more sophisticated schemes. But what, you ask, does this have to do with me? Maybe more than you think, especially if you end up on the wrong end of it and have no clue about what’s going on. Overall fraud risk in the home mortgage field is up by 16.9 percent in the most recent 12-month period tracked by data analytics firm CoreLogic. And of all types of application fraud, the risk of so-called “occupancy” misinformation – when “applicants deliberately misrepresent their intended use” of the property – is rising the fastest. This includes cases in which borrowers lie about whether they intend to live in a house or rent it out. Applicants who promise lenders that they will live in the property generally qualify for lower interest rates and down payments; rental home investors get charged more. Application fraud was found in one of every 122 mortgage applications during the first two quarters of 2017, according to Bridget Berg, CoreLogic’s senior director of fraud
Yost Rd.
Yost Rd.
To Cimarron Turnpike
OPEN HOUSEMap
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McMurtry Rd.
Quartz Dr. Duncan
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Sangre Rd.
Squires St.
Charles Dr.
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Iba Dr.
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Liberty Ct.
Ivy Ct.
Cleveland St.
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McDonald St.
Willis St. Ridge Rd.
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Airp o
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Warren Drive
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Stillwater NewsPress • Friday, October 13, 2017
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Shadow Creek Ln.
4th Av. 5th Av. 5th Av.
Scott Av.
Lauren Lane
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Dells Av.
Wiley St.
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Mercury Av.
Liberty Dr.
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18th Av.
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Westbrook Ct. 15th Av.
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Ct.
Murphy Dr.
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Crestview Ct. Cowboy Ct. High
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Sunset Av. University Av.
7th Av. 8th Av. 9th Av.
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d woo
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St. Tyler Av.
Farm Av. Olive Ln. Drummond Av. Athletic Av. Monticello Dr.
Arrowhead Pl.
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Aggie Dr.
gle Tan
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la od
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Admiral Av. Sherwood Av.
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Prescot Dr.
Ashton Ave.
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Oa
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. Club Dr . Country Club Ct Country 14th Av. Woodland Ct. Oakfield Ct. 16th Av. Dr.
Fairway Dr.
ointe en P Gard ill ng H Spri Deer Run Ct.
VillasCt.
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Cr.
Frontage Road 7th Av.
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Pecan Lake Av. Trenton Ct. Pecan Trail Ct.
Me
5th Pl.
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Virgina Av. 2nd Av.
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Scott Av.
Hall of Fame Av.
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7th Av. 8th Av.
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Thomas Av.
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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lha
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Farm Av.
8th Ct. 9th Ct. Trenton Av.
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Tyler Av.
Harned Av.
Mohawk Av.
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oke r. Brollow D Ho
McElroy Rd.
Walnut St.
Tyler Av.
Eastland Dr. Marcus Dr.
Swim Av.
Knapp
Reese Landing
4th Av.
Boomer Lake
Osage Dr.
5
Oak Crest Rd.
3rd Pl.
Parkway Dr.
Brooke Brooke Jefferson St. Moore Franklin
Eskridge Av.
Benjamin
t.
te S
Hereford Dobi Ln.
r.
Vena Ln.
3rd Av.
. Dr
Sta Lakeview Rd.
Airport Rd.
Newman Av.
Hillcrest Av.
Liberty Rd. Preston Av.
Windmill Ln.
Windsor Cr.
Dr.
Lakeridge Av.
lD
mil
ore
Harned Av. Madison Ct.
Thomas Av. Frances Av.
Memory Ln. Country Ln.
177
Tobacco Rd.
Preston Ln.
State Ln.
Lisa Ct. Lori Ct.
t.
Airport Rd.
w illo
Harned Av.
Av.
nC
Cheyenne Av.
W
Newman Av. Hillcrest Av. Brown Av.
Dr.
se
Arapaho Av.
Lake Sh
Liberty
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Ute Av.
Cherokee Av.
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Richmond Rd.
ers
Rogers Dr.
Ranch Av.
Os
gate Dr .
Rog
B
Century 21 Global 7. 715 S. Willis 1-3 ...................................................... Sandy
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.
Hartwood Av.
Lakeview Rd.
nd St. Husba
Stonecrest Ave.
Stillwater Municipal Airport
Park Pl. Tower Park Dr.
Richmond Hill Ct.
Husband Pl. Northgate Dr.
Falls Dr.
NextHome Heartland Realty 12. 5810 W. Villas 1-3 .............................................Rhonda
Coldwell Banker Team Stillwater 5. 901 W. Moore 1-3 .....................................................Mike 6. 3016 W. Wellington 1-3 ...................................Paulette
d Win
Chateau Ct.
Amethyst Ave.
Richmond Rd.
RE/MAX Signature 8. 1908 E. Birchwood Ct. 3-4:30 .............................. Vicky
Ct.
yon
Can
Chateau Dr.
Stonecrest Ct.
Fisher Provence 9. 1324 S. Duck St. 1-3 ...................................................Kim 10. 1111 S. Springdale Dr. 1-3 ................................. Karin 11. 6324 Mesa Cr. 1-3 ..................................................Page
Topaz Ave.
Chateau Pl. Peaceable Acres Rd.
• All Open Houses are Sunday unless otherwise indicated.
Real Estate Professionals 1. 3329 Charleston Ct. 1-2:30 ............................... Tiffany 2. 2113 Oak Trail Dr. 1-3 ........................................ Dolores 3. 2302 Silverdale Dr. 1-3........................................Donna 4. 713 Karen Ave. 1-3 .................................................... Ann Directions: Roka Hidden lake Just North of Hwy 177 & Yost Rd on the East
Burris Rd.
Burris Rd. 177
Week of Sunday, October 15, 2017
• Open Houses may be cancelled in case of inclement weather. If you have questions, please call the hosting REALTOR®.
Jardot Rd.
Perkins Rd.
Yost Rd.