HomeFinders Weekend May 4-6, 2012

homes.wenatcheeworld.com

North Central Washington

Homefinder’s WEEKEND

WEEK OF MAY 5TH

Realtor’s Corner VikkiGildenRealEstate.com wenatcheepropertyfi nder.com

Proper Planning for Your Mortgage Application

Where were you born?

I was born in Renton, Washington.

Where did you grow up?

From the KCM Blog: April, 26, 2012

I was born in Auburn, and lived there until I was nineteen.

Kathy Beck

With good preparation, most things are easier. That works in mortgages too!

Today, I want to give you some ideas that can make your mortgage experience less painful.

What got me into Real Estate?

Coldwell Banker LaVigne After owning my own hair salon for many years, it was time to make a change as I was having lots of issues with my hands. We were in the process of selling our second (509) 393-5931

Income Items: 1. Gather your documents. Today, many people will have to produce 2 years’ complete tax returns, including W2 s, 1099 s, K1 s, and all the schedules, as well as a month’s worth of pay stubs.

2. Be prepared to explain them. Deductions in your returns and your pay stubs may impact the income your lender will use to qualify you which, in turn, has a big impact on the loan you will get.

3. Have a breakdown of base pay versus overtime for both your pay stubs and 2 years’ W2 s. Lenders treat overtime (and bonus income) differently than your base pay. Be prepared to explain any changes over the last few years because your loan officer will ask you about it.

home and purchasing our third. At the same time we (husband, daughter, myself) were moving across the state to Wenatchee for more sunshine! After speaking with our Realtor at the time, I decided this was the new career for me, and I’m so glad I made the change!!

What do I enjoy when I’m not working?

I love spending time in the great outdoors! Camping, and boating are two of my favorite things to do. Quality time in the great outdoors with the family can’t be beat!!

What tip would you give to a buyer/seller in this market?

I would tell sellers that even though they may be selling their home for a bit less than they would have a couple years ago, it will all balance out in the end when they can take advantage of the low prices and interest rates with their own new home! Sellers.....patience, patience patience! If your trying to buy a short sale property stick with it! It may be frustrating and a long drawn process but it will be so worth it in the end knowing what an awesome investment you just made in the real estate market!

Asset Items: 1. Start accumulating your bank statements. Lenders look back 3 months from when you sign your contract of sale.

2. You will have to explain any and all large deposits (which are defined as deposits greater than your regular pay check) because lenders want to make sure you haven’t taken out any new loans that aren’t on your credit report.

3. Avoid any significant cash deposits. However, if you did have a cash deposit, understand that the lender will have you source it (a bill of sale and DMV receipt for that motorcycle, for example).

4. If you will be receiving a gift, consult your loan officer on how to document it (from the donor’s ability to how you deposit it).

Whats my favorite beverage?

DIET COKE!!!! I am a Diet Coke addict, can’t live without it!! =)

Featured

Agents

Credit Items: 1. Ask your loan officer to run your credit and go over it with them. Believe it or not, most credit reports contain errors. Best to identify them and get working on correcting them as early as possible.

2. Do what you can to pay down your balances to under 30% of available credit to help you get the best score possible.

3. Do NOT close accounts or pay off collection accounts without discussing it with your loan officer. Either one of these logical moves can actually have a negative impact on your score.

Bringing Buyers & Sellers Together Randy Baldwin Broker Associate

R E A L E S TAT E

860-2551 Connect to johnlscott.com/wenatcheeofice • 662-4772 • 1201 N. Wenatchee Ave. This Office independently Owned & Operated

741-2548 Cell

When buying a home, remember the Boy Scout motto, “Be prepared”. Following these suggestions will make your loan approval easier and less stressful.

~ Buying or selling...together we can unlock your dreams! ~ ~17 years marketing & ~ Buying or selling...together w ~ new construction experience

Congratulations to JUSTIN SKAAR, for being COLDWELL BANKER LCP’s Top Sales Agent for the Month of April!

heidi@premierone.biz

Jerry Paine

509-860-7696 • ncwrealestate.com Call me for all your real estate needs.

Windermere Real Estate/NCW

Over 21 Years of Real Estate expertise partnered with the National Exposure of !

Melissa Kiser 509.668.8800 Melissa@MelissaKiser.com

1 S. Chelan St., Wenatchee •

My Real Estate business is going to the dogs! (and cats too) I donate a portion of my commissions to the Wenatchee Valley Humane Society.

Search Every Wenatchee Real Estate Listing at www.NCWhomes.com

Coldwell Banker LaVigne

101 E. Woodin Ave Chelan, WA 509.682.7777

Justin Skaar, Broker, is a full time, motivated real estate professional. He is passionate about real estate and the Lake Chelan Valley, and provides a high level of integrity and compassion for his clients! He is a proactive Realtor who will make it happen!

With his unique approach to marketing and professional photography he has become a Top Listing Broker in he Valley.

Justin has earned the prestigious Coldwell Banker award as a member of the International Diamond Society, putting him in the Top 5% of sales brokers in the world. He is also a top selling agent for Coldwell Banker LCP, and has received various awards due to his committment.

Top Sales Agent

APRIL

If you are thinking of selling or buying in the Lake Chelan Valley....

Contact Justin Skaar for all your Real Estate needs: 509.679.5067 | www.BuyLakeChelan.com | JustinSkaar@msn.com

www.coldwellbankerchelan.com

Top 5% Internationally of ALL BROKERS - Coldwell Banker 2009

Have a Safe and Happy Apple Blossom 2012!

1 S.1 Chelan St., Wenatchee • 509-888-8887 S. Chelan St., Wenatchee • 888-8887

Andre Peters • 387-0174 • ColdwellBankerLaVigne.com ”

People are “Our Business”

Office: (509) 888-3950

gary@premierone.biz Cell 509-679-4132 garymullenrealestate.com

Lela C

Honesty, Integrity and 18 years of Experience

1-509-322-6060

Make Dreams come True

CLela@lauramounter.com

www.wenatcheepremierhomes.com Stephen Office: 662-3491 Bishop fax: 664-3897

679-7004

Sharon Moreland

670-0075

From the staff of the Wenatchee World and Homefinder’s.

homes.wenatcheeworld.com

North Central Washington

Homefinder’s WEEKEND

WEEK OF MAY 5TH

May 5 & 6, 2012

N<<B<E; FG<E ?FLJ<J Wenatchee

East Wenatchee $219,900

$49,900

1106 Foothills Lane Open Sun. 1:30-3:30 Wonderful 2 bed, 2 bath in a 55 and over park, cute yard and 1,056 sq. ft. of living space. Priced to sell! Directions: Springwater to Foothills.

Coldwell Banker LaVigne Debbie Chase 630-0235

708 Daniels Dr. Open Sun. 1-3                                Premier One Properties Steve Bishop 679-7004

$164,900 617 Yakima Open Sun. 2:30-4                                     Premier One Properties Steven Schwind 421-1150

$227,000 855 N Keller Open Sun. 1-2:30 dated rambler!  bedroom, 2 bath, . acre landscaed, fenced. uge master suite, relace, outside living, deck, inground Larson ool, double garage, great views. Directions: East on E th, left on . eller to to of hill on curve.

Windermere Real Estate/NCW Jerry Paine 860-7696

$177,900 1045 Kittitas St. Open Sun. 12-1:30 Super Cute, Impeccable 1,892 sq. ft. Cottage, 3 Bedroom, 1.75 Bath. Alley, 2 car garage, extra parking. Updates and a really Nice Yard with Covered patio. Directions: South on Miller, left on Red Apple, left on Kittitas St. Premier One Properties Sharon Moreland 670-0075

$269,500 2487 Plateau Drive Open Sun 1-3 Gorgeous Swim World in-ground pool with lush and beautiful landscaping. Upgraded tri-level home with newer carpet, granite. Large lot with room for your RV and lots of privacy.

Directions: Eastmont to Plateau Drive.

Premier One Properties Erin Davidson 293-2214

$309,900 2110 Sage Grouse Open Sun. 11:30-1                           Century 21 Exclusively Betsy Loomis 669-6464 $335,000/$399,900 2113/2109 Yarrow Open Sun. 1:30-3:30                               Century 21 Exclusively Betsy Loomis 669-6464 $339,000 409 Dogwood Lane Open Sun. 12-1:30                            Laura Mounter Real Estate & Co. Joni Pepperl 669-2121

East Wenatchee $198,900

214 Ridgemont Dr. Open Sun. 12-2 CLEAN! 4 bedroom, 2 bath family home, quiet street with huge Family Room in daylight basement, Fenced Back Yard.

Directions: From Hwy 28, East on Third past Costco, left on Eastridge, left onto Ridgemont, house on left.

Premier One Properties Steven Schwind 421-1150

$205,000-$237,900 1022/1023 N. Nile Open Sun. 1-3 New 3 Bedroom, 2 bath manufactured homes all one level! On 1 acre lots sq. ft. 1620 to 1783. Landscaped and READY to move in to. Double garage. Directions: Grant Road, left on N. Nile, sits on 10th & Nile.

Premier One Properties June Stanaway 699-1321

$274,900

1500 Country Club Dr. Open Sun. 12-2 Country Club Drive! Classic daylight brick rambler with good bones 2 bedrooms, 1.75 baths, large living room, family room with wet bar. Gorgeous view overlooking the fountains.

Location! Directions: Baker, East 15th, left on Country Club Dr. Windermere Real Estate/ NCW Tim Seyster 669-5786

$359,900 34 S. Mandolin Open Sun. 12-2 Beautiful open concept daylight rambler with 5 bedrooms, 3 baths. Gourmet kitchen features slab granite counter tops, double ovens and 5 burner cook top. 9 ceilings. Directions: East on Grant Road past Kentucky, right on Mandolin.

Premier One Properties Jeannie King 679-5150 REALTORS®, through the National Association, Washington Association and the North Central Washington Association, actively involve themselves in areas that will improve their profession and communities.

$379,900

2166 Inglewood Dr. Open Sun. 2-3:30 Custom View Home Has It All. Gorgeous 2438 sq. ft., 2-story.

4 bed, 2.5 bath, den, Main Floor Master, In-Ground Pool, 3 car garage, sport court/ RV parking, Beautiful Yard. Directions: Eastmont to Badger Mtn. Rd., left on Fancher Heights, left on Inglewood.

Premier One Properties Sharon Moreland 670-0075

Cashmere $289,000 120 Creekside Place Open Sun. 1-3 Cashmere cul-de-sac! 3 bed, 2.5 bath with master on main.

Directions: Left at Mission Creek Rd. , left at Creekside.

John L. Scott Wenatchee Francine Paulsen 860-2769

For additional information on these Open Houses visit: www.ncwaropenhouses.com

OPEN HOUSES See Our Open Houses and other Fine Listings at www.century21exclusively.com

135 N. Mission Wenatchee, WA • 509-662-2100

$199,900...................WENATCHEE 473 NE. 5TH ST. - EAST WENATCHEE This house is a must see. Large Tri- Level home with an in-ground Larson Pool and a huge shop! All this sitting on a beautifully landscaped .60 of an acre lot. Plenty of room with a large family room and 2nd kitchen that is also plumbed and wired for a hot tub. $299,900. Please Contact GARY MULLEN @ 679-4132 For more information.

MLS# 697460

225 NE. 19TH 23- EAST WENATCHEE Large quiet condo in a great complex. This 3 bedroom unit is very spacious at 1,809 sq. ft. Large built in entertainment center in the living room with brick fireplace. Large dining room. Kitchen with newer cabinets with a connected eating area and large pantry. Very nice clubhouse with pool and tennis court. Loads of storage in this condo! Full access to large attic from the garage. $209,900. Please Contact GARY MULLEN @ 679-4132 For more information.

MLS# 696978

1832 NE. GLEN STREET - EAST WENATCHEE One level living, with low-maintenance, beautifully landscaped yard, featuring a hot tub! Covered decks with trex decking. 3 bedrooms, 2 baths, plus an office!

Open floor plan that flows nicely. Better than new.... yard done, blinds in. A must see home! $236,500. Please Contact VIKKI GILDEN @ 670-5428 For more information.

MLS# 697690

2304 FANCHER BLVD.- EAST WENATCHEE Wonderful home with great curb appeal. Pull into your three car garage and enter into the comfort of your family room with smoothed stone fireplace. Very large custom kitchen looks out to the expansive tree lined backyard.

The true highlight of the home is the grand entrance with spiral staircase leading to the oversized master and masterbath. A must see value home! $319,000. Please Contact JEFF BENSON @ 630-6859 For more information.

MLS#697514

1601 MAIDEN LANE - WENATCHEE Feel the Country in the Heart of the City. Stunning 2 bedroom 2 bath updated Condo in a secured building with elevator. comes with garage and onsite storage. Watch the city lights twinkle from your covered deck. $186,000.

Please Contact JUNE STANAWAY @ 699-1321 For more information. MLS# 697706

www.premierone.biz 925 Fifth St., Wenatchee • 662-3491

RESERVE YOUR SPACE TODAY! Contact: Tom

Nees

Cell: 509-860-2091 nees@wenatcheeworld.com

Adorable 3 bedroom 1.75 bath home. Hardwood floors, updated kitchen, tile accents, new paint and carpet, knotty pine family room, 24X30 shop with 220, carport, alley access, close to schools, private patio. MLS# 697936 Margo Hetterle 293-1611

$189,900......... EAST WENATCHEE Newer daylight rambler with great valley views. 2136 sq ft, recent upgrades, open living areas, vaulted ceilings, large rec room. 3 bedrooms, 2 baths, new paint, new carpet downstairs. MLS# 698039 Jamie Wallace 670-3305

$189,900.. CHELAN RESORT SUITES Looking for an investment you can enjoy? Amazing lake views, large windows & balcony, 2 bedrooms, 2 bathrooms, tile floors, new carpet, stainless appliances.

Indoor pool & hot tub. Near waterfront. MLS# 697969 Jamie Wallace 670-3305

$180,000......... EAST WENATCHEE 3 bedrooms, 2 baths, master suite separate from other bedrooms. Vaulted living & dining ceilings. Kitchen with see through for brighter open feel. Backs to canyon for privacy. MLS# 697742 Sharon Ventrello 293-1870

$139,900......................WINTHROP Chalet cabin in the woods near Twin Lakes! Near Sun Mountain Lodge area. Great fishing, swimming, cross country skiing & snowmobiling, lots of wildlife. Detached garage. MLS# 697908 Jamie Wallace 670-3305

Windermere Real Estate / NCW

662-7184 • 1-800-841-0055 www.windermerewenatchee.com

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OPEN HOUSES FEATURED LISTINGS REALTOR SPOTLIGHT AGENT FINDER REALTOR’S CORNER