News Press Stillwater
REALESTATE W E E K LY
February 10, 2022
5.4% The share of condo units being built for sale over the last year was nearly the lowest level in half a century,
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Stillwater NewsPress • Thursday, February 10, 2022
When a ‘boomerang’ kid wants to return home A record number of grown adults are now living with their parents, but problems can arise if some guidelines aren’t established. DEAR DAVE: Our 30-year-old son has asked if he could move back in with my husband and I while he tries to save some money and look for a new job. That would be OK with us, but we don’t want him to overstay his welcome, because we value the privacy and freedom that we have in retirement. How should we handle this situation? ANSWER: You’re not the only older homeowners who are asking this question. The National Association of Realtors (www. realtor.org) reports that 17% of adults age 25 to 34 lived with their parents last year, nearly matching the record 17.8% level in 2020. There are a number of factors to consider before allowing a grown child to move back in. Most experts say it’s important
to sign a lease or other document that clearly spells out how much your “boomerang kid” will pay for room and board. If he can’t pay anything (or can pay only a little), delegate regular chores around the house that will hopefully save you and your husband some money or time – jobs like painting, maintaining the yard or making minor repairs. Make sure that your grown son doesn’t expect you to provide homemade meals all the time. “If Junior wants to eat, he can contribute by (1) cooking on certain days of the week or (2) paying a portion of the grocery bill,” advise experts at AARP.org. The document that you sign with your son also should address his ability to have his friends visit your home. Some parents limit the number of pals that can come over at a single time to avoid having their home become a “frat house,” and smart folks always discuss whether a girlfriend
antiques. kitchens, the study essence of nature ••• found, again folindoors without the DEAR DAVE: We lowed by shades need for plants,” have been touring of green and then the designers who several new and blue. “With white compiled the report older homes for sale kitchens, there’s noted. and have been sur- never a risk of look••• prised by the num- ing dated in a few Our booklet, ber of bedrooms years,” the report “Straight Talk that are painted said. About Living black. It makes the Shades of black, Trusts,” explains DAVID MYERS rooms look smaller however, were also how even low- and and, we think, is the most popular middle-income color for bathrooms homeowners can or boyfriend can home, rising apart- kind of depressing. – though its dominow reap the same spend the night. ment rents and sky- What gives? ANSWER: I’m nance can be offset benefits that creatOf course, the rocketing prices for not crazy about by a sink, tub or ing an inexpensive agreement also entry-level houses the trend either. flooring in lighter trust once provided should clearly state and condos. But according to colors. White and only to the wealthwhether smoking or ••• a yearlong study green were the iest families. For a drinking will be alDEAR DAVE: conducted by fursecond and third copy, send $4 and lowed in the home. Does a typical choices. a self-addressed, Perhaps most homeowners insur- niture and design giant Living Cozy Various tones of stamped envelope importantly, the ance policy cover green are apparto D. Myers/Trust, document should losses from identity (livingcozy.com) of millions of internet ently most popular P.O. Box 4405, Culset a deadline for theft? searches, shades of for living rooms, ver City, CA 90231your grown son to ANSWER: No. 4405. Net proceeds move out. Don’t However, many in- black were the most followed by white will be donated to assume that he’ll surers will add such popular researched and blue. by homeowners for “Using green in the American Red leave when the time protection through their bedrooms. your living room de- Cross. is right. an endorsement, White was a distant sign can be the per(c)2022 Cowles “An adult child or “rider,” for a can get stuck if relatively small fee second, followed by fect way to bring an Syndicate Inc. 2x2 ads may run anywhere newspaper. Don’t forget to remind your classified department to down huesinofyour green. there’s no clear -- much like you line adsadd forcoverthis week at www.okpress.com/ocan - CHOOSE THE AD SIZE CLOSEST TO YOUR COLUMN W Classic white expiration date to might NEW LISTING - 9433 Woodchuck Court, Edmond - 3 BD / 2 BA / 2 car attached remains the most what should be a age for expensive garage.Granitecountertopsinkitchen,customwalk-intiledshowerinmainbatthroom PENDING and many more. Has a privacy fence backyard with an extra large patio.....$214,900 short-term living jewelry or valuable popular choice in situation,” AARP Call Barbara Today! y Call Barbara To advises. ••• Oh,Oh,thethethings thingsyou you Keep Keepinformed informed REAL ESTATE about aboutwhat’s what’s will willlearn learnwhen whenyou youread read Keep Keepinfor inf TRIVIA: Analysts going going on on say the rise in the about aboutwha w INSURANCE AND EAL STATE in inyour your number of “boomergoing goingononi ang” adults moving community community Serving Stillwater Since 1950 communit commu back in with their bybyreading reading BARBARA HOUCK - REALTOR - 747-8804 bybyreading readi parents is a result KENT HOUCK - REALTOR - 372-7060 public publicnotices notices JOHN GAGE - REALTOR - 612-6068 public public notn of pandemic-related BARBARA HOUCK in inyour yourlocal local BROKER/OWNER, GRI job losses, the abilin in your your loc 30+ years of experience 372-5343 x130 newspaper. newspaper. ity of many people newspape newspap www.houckagency.com • 8 MAIN PLACE/Ste. 2 • DOWNTOWN STILLWATER to now work from
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Horticulture tips for February ering shrubs such Lawn Pest Control etables like carrots, agus and grapes as flowering quince, for Homeowners. lettuce, peas, potashould also be plantforsythia, winter honCrape myrtle bark toes, and cabbage can ed towards the end of eysuckle, and winter scale has become a be planted about mid- the month. jasmine all bloom on tough problem the month, or earlier if You can contact last year’s growth. last few years so you can provide some Keith Reed, the HorWait until these check these plants frost protection. See ticulture Educator plants have comvery carefully for Fact Sheet HLA-6004 in the Payne County pleted their spring signs of masses of Oklahoma Garden Extension office. Keith flowering before white, cottony like Planning Guide. Pecan be reached via KEITH REED pruning or cutting masses on the canes rennial garden crops email at keith.reed@ back. If you are really of these plants. such as strawberries, okstate.edu, phone at Fact Sheet EPP-7306 Ornamental and itching for spring to • Cool season vegblackberries, aspar405-747-8320. be here, clip a few of these twigs off now, drop them in a vase, and enjoy spring color indoors a few weeks early. Delay pruning for summer flowering shrubs such as crape myrtles and roses until they begin to break bud. This allows you to assess the winter damage (if there was any) so you 3723 N Washington -33 3/2 sq ftsqUPDATED - $154,000 - Amy N NE Dryden -- 4/2/1621 Move Ready $157,000 Tiffany 502 N.701 Burdick - 3 2 Cir 1623 ft Close toft Sho inInMove & Schools - 225 000 - Donna 9366 HWY 3s1300 bed, 3 bath on .75-acre m/lIn- -Ready $275,000 -- Ann can prune as needed 2023 E. Linda - Large corner lot with outbuilding. 3BR/2.5BA sq ft $248,000 5020 Ave W 10th -Benjamin 4 bdrm., Stillwater Country Club, large-Over lot - 1900 $360,000 - Tiffany – Tiffany 1800 N St 3 Bed 1 Bath 1121 sqft $139,000 Melissa 2206 W 23rd Ave. - 3/2/2, 1496 sq. ft. Selling As-Is - $170,000 - Lori K. 814 S. Rock Hollow Ct. - SWDr. area4 /Bed, over 3.5 1990Bath, sq ft/SCC Golf access $274,000 S Brenna 2,891 sq. Cart ft. -Ready $490,000 - Ann –- Tiffany instead of giving the 3723 10217 N Washington - 3/2 -1300 sq ft UPDATED Move In - $154,000 Amy 9715 E. Horizon Dr.bdrm./3 - 50- x360 livestock barn on 5sq. acres with Construction no restrictions $100,000 – -Lori K- PENDING 1919 Brooke Hollow Ct. 4 bath/Large Lot/North of OSU Campus! $343,000 - Tiffany any 2320 Timbercrest Dr. Bed, 3 Bath, 1600 ft. New $209,000 Donna plants a generic waist 322 E Kenworthy - 03/1/1178 sq. ft., Detached Garage, Storage Shed, 4 Lots $148,000 - Lori K. NEW PRICE W. 19thAve. Ave -#43 7.48- acres inside Stillwater city limits $350,000 – Lori K 6000 N Pennsylvania 2 bdrm./2.5 Bath Condo, Oklahoma City - $129,000 - Tiffany high shearing. 3716 S. Perkins Rd. Prime Commercial Property, 10-acres m/l $1,800,000 Lori K. 2206Creek W- 23rd Ave. 3/2/2, 1496 sq. ft.lot As-Is -Barn $170,000 K. 801 S. Burdick 3BR/1.5BA, 1.5 story on 1371 sq ft a $89,000 Lori-CLori PENDING! 1408 N. M5215 Spring Cir. E - -2/1 1253 sq.large ft. on 3Selling Lots with -–$299,900 - Lori K.00 – Lori 4517 Broker Associate 1115W S.Country Richfield Ct. - 3BD/2BA 1775 sq ft $305,000 • Ornamental 2320 Timbercrest Dr. - 3North Bed,Club 3ofBath, 1600 sq. ft.Ripley New - $209,000 - Donna - Tiffany 4713 - NICE Lot for sale -Construction $25,000–--Tiffany Donna 20J- 41.5-acres, onna Lori 5607.1 S Mehan Just 68th & Mehan, Schools NEW PRICE $249,000 10 Lori 405-612-6724 2923 N. Rd. Monroe - 3BD/2BA 2321 ft $208,000 – Tiffany Shumard Oaks - 5 -Nice Lots for you tosq build your10-acres new home - Donna grasses and grass3716 S. Perkins Prime Commercial Property, m/l-PENDING! -$27,000 $1,800,000 -nLori K. Pickles GapLarge - NiceRadiant large in Perkins School District $22,500 Lori 5504 W Creekside Dr. Addition -7917 GATED COMMUNITY, Luxury, 5/4.5, 5823 sq. ft. - NEW PRICE $1,580,000 - Dolores/Tiffany Scotthaven - Nice lots in lot Perkins School District/starting at -–$45,500 - Donna 5607.1 S Mehan - 41.5-acres, Just North of 68th & Mehan, Ripley Schools - NEW PRICE $249,000 - Tiffany like Liriope should Hallies Meadow NEW CONSTRUCTION 4BD/2BA sq ft $379,900 – Lori 5607 6021 S Mehan Rd. - 52.5-acres for Sale, Will Divide, Ripley2347 Schools - $349,000 - Tiffany y N.PEND Mai 5005 – Lori- Tiffany 90011408 Cedar Crest Trail - 4Haydans bdrm./3Rd bath/5-acres/Pool/Summer Kitchen plus C11 - NEW PRICE $995,000 iffany 6023 Brk. - New 4/2, 2075 sq.more!! ft. are - $399,900 $338,500 Lori K. 5,900 be cut back soon. N Perkins - 4000 sq ftConstruction, warehouse - Oh the possibilities 00 E 810 Rd., Tryon - 53.34-acres. Hunting/Building/The possibilities endless–--Donna $224,028 - Kyle 5706 W. Garden Pointe Dr.Lots - Radiant Gated 3BD/3BA, 2754 sq ft $550,000 – Ann 5504 W Creekside Dr.12th - Deer GATED COMMUNITY, Luxury, 5/4.5, sq. ft. -PRICE NEW PRICE $1,580,000 1218 W - 4Pointe Commercial in aCommunity very High Traffic at $255,000 Ann - Dolores/Tiffany These plants share 18575 - 3/2/2 on 2.5-acres, 1917 sq.5823 ft. area/starting - NEW $265,000 --Kyle 3618 W. Fountain View Rd. Ct. --5BD/2.5BA, in ground pool - Woodland TrailsC11 $362,900 – Tiffany 3000 S. 4 bed, 4.5 bath, on 3.2-acres -plus $845,000 -addn Tiffany/Dolores $820,000 9001 Cedar Crest Trail - 4Range bdrm./3 bath/5-acres/Pool/Summer Kitchen more!! - NEW PRICE $995,000 - Tiffany a common trait that 301 S. St. - Beautiful Office Building inBuilding the heart - $900,000 - LoriaK. 208 N. Duck Donaldson - 4BR/2BA 1851 sq ft - close to shopping &Stillwater schools $205,000 – Donna 3215 S. Boomer Rd. - Nice Commercial for-of sale - PRICE $2,245,000 - Tiffany 719 Kar 0 - Tiffany 18575 Deer Pointe 3/2/2 on 2.5-acres, 1917 sq. ft. NEW $268,000 Kyle deserves mention. 910Main Kansas / Pawnee - 1936 farmhouse / 1 acre lot with outbuildings $129,999– Tiffany 211 E. St., St. Coyle - 64 Unit Storage Building, GREAT INVESTMENT - $165,000 - Donna 120 W Tyler -11 CALLING ALL 2 Units, 12the Apts., 2 bed, 1$300,000 bath - $950,000 Dolores/Tiffany 301S.S. Duck St. - Beautiful Office Building in Stillwater LoriK. K. ri---Lori 415 W. 80th -INVESTORS, 52.65 OK, acresCute rural property, noheart restrictions – Lori riffan The leaves that de505 Morton Ave. - Ripley, home across fromofthe School -- $900,000 $75,000 120 W - CALLING ALL INVESTORS, 2 Units, 12 Apts., 2 bed, 1 bath -$395,000 $950,000 - Dolores/Tiffany 617 S. Main - Downtown Stillwater commercial unit plus apartment unit – Tiffany 2923 N.Tyler Monroe - 3 bdrm./2 Room. One block Boomer Lake - $219,000 - Tiffany W Charleston Ct. -bath/Study/Game New Construction in Berry Creek, 4tobed, 2.5 bath - $397,900 - Donna 293337 Tiffany velop will remain on 830456 S. Ct. 3354 / Carney -3BR/2BA sqCreek, ft to - out $199,900 – Lori - Tiffany 000 N - 9-Rd lots platted for duplexes close Boomer Lake - $420,000 3337 WGlenwood Charleston Ct. New Construction in 1468 Berry 4building bed, 2.5 bath - $397,900 - ,Donna 719 Karen 0 - Tiffany the plant throughout 5215 Spring Creek Cir. E 2 bed, 1 bath, 1253 sq. ft. on 3 lots with a barn NEW PRICE $250,000 Lori K. 111 E. Tower / Perry 3BD/1BA 1118 sq ft $79,800 – Tiffany 7917 Cir. Pickles large lotsq. in Perkins School - Lori$250,000 1408Spring N. ,900 --- Lori 5215 Creek E - 2Gap bed,- 1Nice bath, 1253 ft. on 3 lots with District a barn -- $22,500 NEW PRICE Lori K. the growing season. 502 N. Burdick - 3BR/2BA 1623 sq ft Close to shopping & schools $209,000 – Donna- Lori 6021 Hallies Meadow NEW CONSTRUCTION 4BR/2BA, 2,347 sq. ft. $379,900 Roka Hidden Lake Beautiful Lots North -- $52,500-$79,000 - Lori K. Roka Hidden Lake --214 14 Beautifulproperties, Lots on on the thehomes, North Side Side $52,500-$79,000 Lori K. iffany 2923 5005 920, 920 1/2 S. Duck Investment bedrooms total $160,000-- Donna – Amy N Perkins Rd. .- -4,000 sq. ft. warehouse -2 Oh, the 5possibilities - $399,900 If you wait until 2113 N.MCrescent Crescent Dr. 4/2.5/2, 2439 sq. ft. ft. and GREAT LOCATION NEW PRICE $345,000 Ann 101Pointe W. 80th building shopLOCATION on2,754 11.5 acres $4,000,000 – Lori 2113 N. Dr. -- -Commercial 4/2.5/2, 2439 sq. GREAT --ft.NEW PRICE $335,000 -- -Ann $495,000 5706 W. Garden Dr. Gated Community 3BR/3BA, sq. NEW PRICE $510,000 - Ann 1408 N. 35,900 Lori spring growth has 354 Cou - Tiffany 5011 W. 10 acres of Stillwater $300,000 – Lori 9366 NE /Hwy. 33 Lakeview - -31936 bed, farmhouse 3 -bath, on .75-acre m/lwith - NEW PRICE $249,000 - ,500 Ann 910S.Kansas St. Pawnee / NW 1-acre lot outbuildings - $129,999 - Tiffany 4517 0 - Lori 9366522 NE Hwy. 33- Commercial - 3 bed, 3 bath, on .75-acre m/l Stillwater - NEW PRICE $249,000 - Ann started and remove 12th#43 building inCondo, downtown Lori 415 W.E. 80th - 52.65-acres rural property, noOklahoma restrictionsCity -$250,000 $250,000 - Lori $112,000 354 - ffany Tiffany 6000 N Ave. - 2 bdrm./2.5 Bath - NEW–PRICE - Tiffany PENDING - Pennsylvania ,900 - Tiffany 354 S. Black Oak Dr. -Stillwater 4BD/3BA, 4813- NICE sq ft Georgian elegance & style $950,000 – Donna the tip of the leaf, the 6172620 S. Main - Downtown commercial unitfor plus apartment unit - $395,000 - Tiffany 4713 W Country Club Lot sale $25,000 Donna 4713St. W -Country Club - shelter, NICE Lot for sale $195,000 - $25,000–-Tiffany DonnaPENDING! - 45,000 1304354 & 11111012 - Lori iffany N. Manning 3BR/2BA storm outbuilding E. Tower / Perry - 3BR/1BA, 1,118 sq. ft. - NEW PRICE $70,800 - Tiffany - PENDING plant will look bad all PENDING - S. Duck - $152,500 ,000 -Tiffany Shumard Oaks -W. Just of 51 & Country Club Only lots left --$25,000-$27,000 Donna Scotthaven Addition - Nice large lots in Perkins District/starting atPRICE $45,500 2218 3rdSouth - Close to campus 3BR/2BA 2208 4sq ft $239,000 – Tiffany 920, 920½ - 2 Investment properties, 2 homes, 5School bedrooms total NEW - Amy - --- Donna 1304 & Lori season. Look closely 1408 N. Main / Perkins4BD/3BA 2098 sq ftinNEW CONSTRUCTION on- $4,000,000 golf course $325,000 – Lori Scotthaven Addition - Nice large lots Perkins School District/starting at $45,500 101 W. 80th - Commercial building and shop on 11.5-acres - Lori - Donna 3000 S. Range Rd. - 4 bed,1756 4.5 bath, on 3.2-acres - $820,000 - Tiffany/Dolores 4517S. Jenna Ln. - 3BD/2BA sq ftNW NEW CONSTRUCTION $266,900 before pruning and 5011 W. Lakeview - 10-acres Stillwater- $820,000 - $300,000 - Lori – Lori Tiffany 3000 Range Rd. - 4 bed, 4.5 bath, on of 3.2-acres - Tiffany/Dolores 354 115E. 80th- Commercial - 14.5 m/l Just North ofBuilding 68th & Mehan - $121,075 - Tiffany 354 S.3 3215 -Kyle Tiffany 522 building in downtown $250,000 - --Lori S.E.12th Boomer Rd.acres Nice Commercial for sale sale $2,245,000 Tiffany clip just above the 3215 Boomer Rd. -- Nice Commercial BuildingStillwater for -- -$2,245,000 Tiffany 80th - Nice4,813 large office 3 acres m/l $950,000 – Lori- $950,000 354 Cou , -700 Tiffany . .S. Kyle 2620S306 S. Black Oak203 Dr. E - 4BR/3BA, sq. ft.on Georgian elegance & style - -Lori Donna 270 growing point of the 2707 7 Lori 505 S. Morton- Ave. - Ripley, OK,sq. Cute home across the School - course $69,900 - Lori E 2nd - 4BD/2BA 1717 sq ft Split floor from plan $175,000 – Ann PENDING & 1306 24 ft. - K. $135,000 - Lori 14081304 N. Main /Perkins 4BR/3BA, 2,098 ft. NEW CONSTRUCTION on golf -sq. $325,000 - Lori K. $315,000 2707 W.S4 3202 317 Lori Lori new leaves. 6038 Brook - NEW 4BR/2.5BA 2183 $349,000 – Lori- $420,000 000 N Glenwood Ct.Haydans - 9 lots platted duplexes closesqtoftBoomer Lake - Tiffany 4517 Jenna Ln. - 3BR/2BA, 1,756 sq. ft.for CONSTRUCTION - $266,900 - Lori PENDING 202 5 - -Donna 000 N Glenwood Ct. - 9 lots platted for duplexes close to Boomer Lake - $420,000 - Tiffany 2112 N.80th Monroe - 2 Commercial buildings on 3restrictions acres $600,000 – Dolores E. W. 80th - 14.5-acres m/l just of 68th Mehan - $121,075 - Tiffany • Dormant oil, an Lori K. 6115415 - 52.65-acres ruralnorth property, no& - $250,000 - Lori 354 S. Council Rd. - Land forlarge sale office in Crescent, OK -shop No restrictions 33.5 acres m/l $167,000 101 W. 80th Commercial building and on 11.5-acres $4,000,000 Lori– Tiffany 203 E. 80th Nice on 3-acres m/l NEW PRICE $1,200,000 old standard for con101 W. 80th - Commercial building and shop on 11.5-acres - $4,000,000- --Lori Lori . as or S. Burdick - 3BR/2.5BA ft $87,000 – Tiffany 3202 0000 E. 2nd - 801 4BR/2BA, 1,717 sq. ft. Split1371 floorsq plan - $170,000 - Ann ---PENDING S. Ann 115 44th E. 80th - 14.5-acres m/ldivide, just north of signs 68th & Mehan - $121,075 - Lori-K. ffany trolling some pests - 15.86 acres - will look for $317,000 6038 Haydans Brook - 4BR/2.5BA, 2,183 west sq. ft.of- Western $349,000 - Lori, – Lori any 474 2707 .203WE. 80th Nice large office on 3-acres m/l NEW PRICE $1,200,000 -- Lori Cedar Oaks & 19th 7.48 acres m/l in city limits $350,000 – Lori in ornamental and 2112 N. Monroe 2 Commercial buildings on 3-acres $600,000 Dolores NEW PRICE- $2,352,900 $1,200,000fany N. E. 80th - Nice large office on 3-acres m/l -Possibilities! - Lori Lori 601 N.203 Lori 0000 Country Club Rd. - 20for Acres onwest -- $200,000 - Ann- Lori 2707 W 44th - 15.86-acres - will divide, look signs of Road Western - $317,000 - PENDING C/Jennifer 4810S.Aloysius Dr - 3/2.5/3 2180 sq ftPaved - $349,000 Lori fruit trees, should be Lori Crosby Donna Rhinehart 4717 S. Turtle Pond Ct. Great .-acre m/l Lot for your building pleasure $45,000 Tiffany 4810 Aloysius Dr 3/2.5/3 2180 sq ft $349,000 Lori C/Jennifer Montie Stewart Monty Stewart Cedar Oaks & 19th - 7.48-acres m/l in city limits - $350,000 - Lori OPEN HOUSE, SUNDAY 1-2 P.M. Realtor Associate applied before buds 3000 Range Rd $845,000 1-3 Dolores Lemon Realtor Realtor Associate N. Washington Rd. 151.8 acres m/l, OH the Possibilities! $2,352,900 Lori 4717 S. Turtle Pond Ct. - Great .-acre m/l lot for your building pleasure - $45,000- -Lori Tiffany PEN q. -ft.$350,000 - $349,000 405-612-4184 0 W 19th Ave - 7.48 acres m/l just m/I, east-OH of Cedal Oaks Apts. - Lori K. 3723 N Washington $154,000 - Amy Parsons 405-747-7306 405-372-5151 ngton Rd. 151.8 acres the begin to break. See N. Washington Rd. -- 151.8-acres m/l, OH the Possibilities! Possibilities!- -$2,352,900 $2,352,900- -Lori Lori
HOME GROWN
Stillwater NewsPress • Thursday, February 10, 2022
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Consider the following tips for your February landscape. Before we get into specifics, note that despite our round of winter precipitation last week, it is very dry. It would be a good idea to give important ornamentals a good deep irrigation as soon as you can. It’s even possible that we may start seeing drought stress on our winter weed population (see below). While this might seem like a good thing, keep in mind that drought stressed weeds may not take up herbicides as well as those actively growing. • February is the time to control those pesky winter weeds. Herbicide control is much more effective if an application can be made before explosive spring growth occurs. See OSU Fact Sheet HLA-6601 Broadleaf Weed Control for Weeds in Oklahoma and Fact Sheet HLA-6421 Controlling Weeds in Home Lawns. As always, remember that pesticides are only effective if used properly. Always follow label directions and do not hesitate to call the Payne County Extension office if you have questions concerning proper use. • Winter tree pruning should be completed as soon as possible. February is NOT the time to prune most shrubs. Spring flow-
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Stillwater NewsPress • Thursday, February 10, 2022
Can you buy a house with no money down? Buying a house likely is the biggest purchase you’ll ever make. Conventional wisdom says to aim for a 20% down payment on your mortgage. But saving money for a down payment on your dream home can be downright daunting and likely impossible on an average salary. But there are alternatives to a conventional mortgage. There are some loans where you can buy a house with no money down. Other loans are available with little money down as well. So how do you know which one is the best for you? Let’s navigate some of the options. USDA loan The USDA loan program – otherwise known as the rural development loan – requires no money down. However, borrowers must meet certain credit and income requirements to qualify. And even though there is no down payment, a “funding fee” of 1% of the total
loan amount is required, but that can be rolled into the loan if necessary. According to the 2017 USDA Rural Development Performance Report, nearly 72% of the nation’s land mass is rural. You can see if your area qualifies on the map linked here.
sonal lending needs, require a monthly helpful when you please call RCB fee over and beyond have paid 20% of Bank at 855-BANKyour interest rate – the home’s value RCB. Some restricsimilar to mortgage and can get a new tions apply. RCB insurance. This is loan that does not charged to the borrequire the monthly Bank is an Equal Housing Lender rower two different fee. Similar to the and member FDIC. ways; as a one-time Conventional 97 RCB Bank NMLS fee of 1.75% of the loan, there are no #798151. Kenloan amount and as income limits, the KENNETH WOHL a monthly premihome must be your neth Wohl NMLS #453934. um. The duration primary residence. Opinions exSome lenders time homebuyer but and cost of your Sources: pressed above are offer no down payit does have income MIP may last for https://eligibility. the duration of the the personal opinment mortgages for limitations. sc.egov.usda.gov/ VA loan physicians, dentists To receive a Con- loan. However, you ions of Kenneth If you are an acdo have the option Wohl and meant for eligibility/welcomeand other medical ventional 97 loan, Action.do tive or retired Unit- professionals who to refinance your generic illustration you will need a https://www. ed States military purposes only. With are buying a pristrong credit score, home at any point service member, approved credit. For va.gov/housing-asmary residence. reliable income and after you close the sistance/homeas well as some respecific questions They can’t be used employment, and a mortgage. This serves, you can poregarding your per- loans/loan-types/ for buying a second debt-to-income ratio may be especially tentially get 100% home or vacation under 43% (in most mortgage financing home. cases). The propthrough the DepartCheck with your erty must be your ment of Veteran Af- bank to see what primary residence. 405.624.2626 fairs. In fact, nearly other options they This includes a sin90% of all VA www.c21global.com offer. gle-family home, a backed home loans condo, planned unit 131 N. MaiN, Stillwater are made without Conventional development or coa down payment. 97 loan op. If you are not You will still need For first-time a first-time homeDEFY MEDIOCRITY + DELIVER EXTRAORDINARY to do a certificate of homebuyers, Fanbuyer, Fannie Mae eligibility and may nie Mae and Fredand Freddie Mac Linda Schmidt 405.880.3048 Bailey Williams 405.714.4037 have to finance a die Mac offer a Con- also offer 97% loans Broker Property Manager VA funding fee into ventional 97 loan with lower interest your mortgage, but that only requires a rates and mortgage Alane LeGrand 405.747.6950 Judy Kasso 801.824.8166 overall, VA loans 3% down payment premiums, however are some of the best that has no income these are limited by Rosetta Heppel 405.880.0869 Virginia Cussner 405.747.7601 mortgage deals out limits, but tighter income. there. restrictions than Beverly Carter 405.743.9618 Diana Field 405.747.4684 conventional loans, FHA loan Specialty loans and it carries highThe Federal Sandy Blankinship 405.269.9523 Oscar Fortune 405.747.6042 Some lenders er interest rates. Housing Adminischoose to offer loans They also offer a 3% tration offers mortoutside of the tradi- down payment loan gage loans with Mike Branson 405.612.5347 Thomas Jenkins 405.780.3204 tional, conventional that doesn’t require as little down as federal regulations. you to be a first3.5%. FHA loans do Tana Rutan 405.612.1496 David Heppel 405.269.6907
MORTGAGE MATTERS
Oklahoma Community Credit Union announces new branch in Stillwater Oklahoma Community Credit Union’s Board of Directors and employees are excited to announce the groundbreaking for its new branch office located in Stillwater, Oklahoma, which is scheduled for Feb. 17, 2022. As the credit union’s first new facility in more than 25 years, and its second location with a drive-thru in Stillwater, this new branch office introduces current and future credit union members to a fresh new banking experience uniquely branded to embody Oklahoma Community Credit Union’s
vision and values, which are closely aligned with the credit union’s mission “to enhance the financial well-being of our members and communities.” Located at the corner of South Sangre Road and West 19th Avenue, the new 2,600-squarefoot branch office will provide more convenient access to banking services for current and future members on the west side of town. The branch will feature lending services, a three-station teller-line and three drive-thru lanes, and maximize the credit union’s efficiency and the overall expe-
“This new location will also assure our membership across North Central Oklahoma that we have the ability to continue service in situations similar to a pandemic or weather events...”
of Johns Creek, Georgia, to design and facilitate a full rebrand that realigned its commitDaniel Thrasher ment and focus on CEO, Oklahoma Community Credit Union the growing community it serves. The rebrand not only rience for its memand CEO of OklaOklahoma.” bers. homa Community Since its inception honors the credit union’s rich 50-year The location is Credit Union. “An in 1968, Oklahoma history, it is also in expected to open late early lesson from Community Credit line with the board’s 2022. the recent pandemic Union (formerly vision of continual “As the only fiwas the need for known as Univerimprovement. nancial institution us to provide our sity & Community For the design and headquartered in Stillwater members Federal Credit construction of its Stillwater, and being a second drive-thru Union) has grown new branch office, member owned as location. This new into an institution Oklahoma Commuwell, Oklahoma location will also that serves 13,000 nity once again partCommunity is exassure our member- members in Payne, nered with Eclipse cited to make this ship across North Pawnee, Logan, Brand Builders. investment to supCentral Oklahoma Lincoln and Noble Eclipse’s people-oriport our growing that we have the counties in central membership and our ability to continue Oklahoma. In June ented collaboration style has resulted in hometown with this service in situations 2021, Oklahoma a decision-making new full-service losimilar to a pandem- Community partprocess that has cation,” says Daniel ic or weather events nered with Eclipse prioritized and highThrasher, president that are common in Brand Builders
lighted Oklahoma Community’s member-focused goals and values. “Our relationship with Eclipse started with our rebranding, and we’ve had an equally great experience through the design process of this new branch,” says Thrasher. “Eclipse knows how much we value our members and understands our mission to enhance their financial well-being. This location was designed with member experience in mind and will help us introduce Oklahoma Community to future members in western Stillwater.”
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3424 W. 24TH AVE. • $225,000 3 Bed • 2 Bath • 1588 Sq. Ft.
Here’s your chance! Well-maintained brick home on a sought-after street. Ideal lot and location near schools! Easy walk on sidewalk from Pre-K through 7th grade. Three bedroom, two bath Jack Shelton built home with wood-burning fireplace, storm shelter, and an updated kitchen. Open living and dining area, charming front porch. Very large open lot. Hard wood floors under the carpet in the southeast bedroom. Immediately available.
Stillwater NewsPress • Thursday, February 10, 2022
BREAKING NEWS!
C5
DIY or call a pro: Which is right for you? simple changes, like paint or paneling on a wall, can help you A do-it-yourself build confidence for remodel can be a bigger rooms, Amibudget-friendly way nah Chung says. to freshen up your With a little extra home. research, installFor some projects, ing new floors can it may take just a be a spare-time few YouTube videos project, says San to show you how Diego-based DIYer to modernize your Liz Lovery. space. She and her But not every husband, a former project is right for structural engineer, amateur renovainstalled laminate tors. flooring in their Your skill level, home. budget and how im“Things like that portant the project might feel overis to your home’s whelming, but they value can all be aren’t,” she says. deciding factors in “They’re very atwhether to call a tainable, and it can professional. actually save you a Here are home lot of money in the remodel projects long run.” you can probably Tools can be a DIY, and those that significant portion are better left to of your DIY budget, experts. says Chris Egner, president of the NaDIY THE tional Association FLOORS AND of the Remodeling WALLS Industry. Add Aminah Chung those costs to your and her husband budget, and ask if Bernard, who share the tools are worth their DIY projects the investment, he on social media, says. updated their Phoenix-area home’s USE CAUTION master bedroom IN KITCHENS and pantry, and AND BATHbuilt a playhouse ROOMS for their kids. Homeowners Starting in small should consider spaces or trying their skills before
By Annie Millerbernd
C6
Stillwater NewsPress • Thursday, February 10, 2022
NerdWallet
committing to a full DIY kitchen or bathroom remodel, Lovery says, because those spaces are often essential to your home’s value. Some things, like painting the cabinets, may be within reach. But if you need new cabinets installed and you don’t feel confident about accurately measuring for them, Lovery says it may be worth using a professional to get a quality finished product. Using a contractor for a kitchen or bath remodel might cost tens of thousands of dollars, but Egner says their knowledge of building codes and design best practices may end up saving you money because they’ll do the job correctly. A designer can show you multiple options for a new layout and predict possible issues down the line, says Kevin Brown, design manager with Sunnyfields, a Baltimore-based kitchen and bath remodeling company. The project may
also finish faster, Brown says, since a professional can coordinate electricians and plumbers, avoiding “a real nightmare” of potential delays if you do it yourself. The Chungs have two kids and fulltime jobs, so a DIY kitchen remodel would take a lot longer, Aminah Chung says. “I believe in doing the projects that you can do so that you can save the money for the projects you don’t necessarily want to do,” she says. OUTSOURCE PLUMBING, HVAC, ELECTRICAL WORK It’s best to let experts handle systems that make your house function, like the electrical, plumbing and HVAC system, Egner says. This work often involves permits and background knowledge, and the cost of a misstep can be high. “A simple mistake in an installation of a toilet or a faucet could lead to thousands and thousands if not
tens of thousands of dollars worth of damage,” he says. Lovery is willing to knock down walls in her home, but she makes room in her budget to outsource some work, saving potential headaches down the road. “When it comes to those very niche trades it’s really, really nice to throw in the towel and hire out those jobs,” she says. MANAGING HOME IMPROVEMENT COSTS If you’re still undecided, have a contractor write up an estimate and
compare it with your DIY budget, Egner says. You can search for professionals on the NARI website. He also recommends adding about 10% to 20% to your budget for unexpected expenses, which are inevitable with DIY and professional projects. Cash is the interest-free way to pay for home improvement projects, but if you don’t have enough available, shop around to find the best financing. Home equity loans and lines of credit offer low interest rates and long repayment
terms, which keep monthly payments low, but it could take a few weeks to a month to get approved. Personal loans have higher rates and shorter repayment terms, meaning your monthly payments are higher, but the debt is often cleared sooner. With these loans, you can typically get funds in a week or less. RELATED LINKS: National Association of the Remodeling Industry: Find a NARI Remodeler https://remodelingdoneright.nari.org/ remodelers
COMMERCIAL LOT 213 SW 2nd, Perkins $10,000
Many possibilities with this zoned commercial space in the middle of Perkins. This former wedding chapel has two wide open rooms with wood flooring with an entrance and bathroom. Your imagination is the limit! Property selling AS IS. Needs TLC, and has just been reduced to $10,000.
Visit www.perkinsfrontierrealty.com and check out
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News Press Stillwater
Stillwater NewsPress • Thursday, February 10, 2022
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Yost Rd.
To Cimarron Turnpike
McMurtry Rd.
Chateau Ct.
Topaz Ave.
Amethyst Ave.
Quartz Dr. Duncan
Nancy Lee Dr.
Evergreen
Dr.
Teal St.
Bluestone St.
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44th Av.
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St.
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Krayler Ave. Ridgecrest Av. Brooke Av. Moore Av. Franklin Ln. Knapp St.
177
a Ct.
Connell Av.
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Williamsfield
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Pioneer St.
Sangre Rd. Murphy St.
Squires St.
Charles Dr.
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Iba Dr.
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Cantwell Av.
13th Av. 14th Av.
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Ln.
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Lincoln St.
Lincoln St. Lincoln Brooke Lincoln St. St. Hollow Ct. Monroe St. Monroe Monroe St. St. Jefferson St.
Ivy Ct.
Liberty Ct.
McDonald St.
Willis St. McFarland St.
Ridge Rd.
Country Club Rd. Windsor Dr. 2nd Ct. Kea ts D r.
Abbey Ln. Windsor Dr.
Oak Ridge Dr. Basin Ridge Dr. r. ge D
Greystone St.
Stoneridge Dr.
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Fox Ledge Dr.
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Monroe St.
Land Run Dr.
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Airp ort Ind ustr ial A c
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Mark Circle
Charolais Dr.
Valley View
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Bradley Pl. Sangre Rd.
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Range Rd. Crosswinds
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4th Av. 5th Av. 5th Av.
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Austin Ct.
18th Ct.
Shadow Creek Ln.
Scissortail Dr.
Stillwater NewsPress • Thursday, February 10, 2022
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18th Av.
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Woodlake Dr. Deer Creek Ct.
Sunset Av. University Av.
7th Av. 8th Av. 9th Av.
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Dr.
Ashbury
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5th Av.
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Admiral Av. Sherwood Av.
4th Av.
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Miller Av.
Virgina Av.
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8th Ct. 9th Ct. Trenton Av.
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Mohawk Av.
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Walnut St.
Tyler Av.
Eastland Dr.
Wiley St.
St.
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3rd Pl.
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Osage Dr.
Knapp
Oak Crest Rd.
3rd Av.
Parkway Dr.
Brooke Moore Franklin
Vena Ln.
Windsor Cr.
. Dr
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Hereford Dobi Ln.
Airport Rd.
Newman Av.
Hillcrest Av.
Liberty Rd. Preston Av.
Lakeview Rd.
Eskridge Av.
Dr.
Lakeridge Av.
Rutledge Dr.
Windmill Ln.
177
Harned Av. Madison Ct.
Thomas Av. Frances Av.
Memory Ln. Country Ln.
Airport Rd.
ore
Tobacco Rd.
Preston Ln.
State Ln.
Lisa Ct. Lori Ct.
Av.
t.
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Golf Dr.
Falls Dr.
Stillwater Municipal Airport
gate Dr .
Hartford St. Dryden St. Benjamin St. Burdick St. Burdick St. Berry St. Arrington St. Marshall St. Doty St. Blair St. Grandview St.
Stonecrest Ct.
Hartford
Richmond Hill Rd.
Washington St. Garfield St.
Hunters Ridge
Stonecrest Ave.
Lynn Ln.
North
Benjamin
Husband Pl. Northgate Dr.
St.
Richmond Rd.
Park Pl. Tower Park Dr.
Richmond Hill Ct.
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• Open Houses may be canceled in the case of inclement weather. If you have questions, please call the hosting REALTOR®.
lD mil
Ct.
yon
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Week of Sunday, Feb. 13, 2022
There are no open houses scheduled for this weekend.
Jardot Rd.
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