HomeFinders Weekend April 20-22, 2012

homes.wenatcheeworld.com

North Central Washington

Homefinder’s WEEKEND Realtor’s Corner 6 Don’ts After You Apply For A Mortgage From the KCM Blog

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Agents

Office: (509) 888-3950

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

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.

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

Tammy Horton • 670-8047 • ColdwellBankerLaVigne.com

Jerry Paine

509-860-7696 • ncwrealestate.com

People are “Our Business” Windermere Real Estate/NCW

Lela C

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

679-7004

Sharon Moreland

Honesty, Integrity and 18 years of Experience

1-509-322-6060

Make Dreams come True

CLela@lauramounter.com

670-0075

Bringing Buyers & Sellers Together

741-2548 Cell

Eric Russell Managing Broker

”

Call me for all your real estate needs.

1 S. Chelan St., Wenatchee •

April 12, 2012 I learned a long time ago that “common sense is NOT common practice.” This is especially the case during the emotional time that surrounds buying a home, when people tend to do some non-commonsensical things. Here are a few that I’ve seen over the years that have delayed (and even killed) deals: 1. Don’t deposit cash into your bank accounts. Lenders need to source your money and cash is not really traceable. Small, explainable deposits are fine, but getting $10,000 from your parents as a gift in cash is not. Discuss the proper way to track your assets with your loan officer.

2. Don’t make any large purchases like a new car or a bunch of new furniture.

New debt comes with it, including new monthly obligations. New obligations create new qualifications. People with new debt have higher ratios…higher ratios make for riskier loans…and sometimes qualified borrowers are no longer qualifying.

3. Don’t co-sign other loans for anyone. When you co-sign, you are obligated.

With that obligation comes higher ratios, as well. Even if you swear you won’t be making the payments, the lender will be counting the payment against you.

4. Don’t change bank accounts. Remember, lenders need to source and track assets. That task is significantly easier when there is a consistency of accounts. Frankly, before you even transfer money between accounts, talk to your loan officer.

5. Don’t apply for new credit. It doesn’t matter whether it’s a new credit card or a new car, when you have your credit report run by organizations in multiple financial channels (mortgage, credit card, auto, etc.), your FICO score will be affected. Lower credit scores can determine your interest rate and maybe even your eligibility for approval.

6. Don’t close any credit accounts. Many clients have erroneously believed that having less available credit makes them less risky and more approvable.

Wrong. A major component of your score is your length and depth credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both those determinants of your score.

The best advice is to fully disclose and discuss your plans with your loan officer before you do anything financial in nature. Any blip in income, assets, or credit should be reviewed and executed in a way to keep your application in the most positive light.

R E A L E S TAT E

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

741-0516

heidi@premierone.biz

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

HomeFinder’s Weekend section is viewable all weekend Get your home loan from the home team.

Plan Your Open Homes Tour on Saturday by visiting homes.wenatcheeworld.com and clicking on the Weekend Section!

If you’re in the market for a home loan in the Wenatchee area, connect with Brette Sangster and Cori Bautista. They can help you with any type of loan package, including purchase, refinance, first time home buyers, FHA/VA, custom construction, Guaranteed Rural Housing, manufactured home loans, reverse mortgages, and more. And no one is more connected to the Valley we call home. So call or stop by and pay Brette and Cori a visit. Your home team would love to help.

Brette Sangster, VP and Cori Bautista, CME Residential Loan Officers 501 N. Mission St. Wenatchee, WA 98801 Brette (509) 886-8282 Cori (509) 886-8285

www.bannerbank.com

Member FDIC

homes.wenatcheeworld.com

North Central Washington

Homefinder’s WEEKEND N<<B<E; FG<E ?FLJ<J Saturday Open Homes $298,500

625 Easy Street Open Sat. & Sun. 12-4                             RE/MAX Landmark Jon Port 669-5400

Wenatchee $45,500

1132 Foothills Open Sun. 12-1:30                       Century 21 Exclusively Harold Jones 699-1214



                                        

Wenatchee

East Wenatchee

East Wenatchee

$499,000 2145 Sunrise Circle Open Sun. 1-4 Private sanctuary on sprawling lot with amazing valley and river views. Community pool, park and tennis courts. 5 bed, 3 bath, 4000+ sq. ft. Nothing like it in Wenatchee Valley. Directions: Take Western Ave. North to Sunrise Circle, follow signs.

Premier One Properties Kelly Boyle 860-2040

$110,000 Lot 1 Highland Place Open Sun. 2-4 Amazing 2+ acre lots with expansive views in gated community with walking, hiking trails. Power, water, irrigation to lots. Only 5 lots remain! 5 minutes to East Wenatchee. Directions: Hwy. 28 towards Quincy, left on Quincy Street.

Coldwell Banker LaVigne Laurie Carlson 393-9010

$320,000 1254 SE Juno St. Open Sun.1-3 4 bed, 3 bath, attractive daylight rambler has nice porch and incredible square footage for the money! Directions: Up 3rd, past Costco, right on Iowa, left on James.

Coldwell Banker LaVigne Judy Waterhouse 860-4363

$549,900

$129,900

2980 Mission Ridge Rd. Open Sun 2-3:30                                      Premier One Properties Sharon Moreland 670-0075

$678,500

1895 Broadview Way Open Sun. 11:30-1 Dreamy Mediterranean magic. Two shops, greenhouse, 2 bedroom suites, plus library/den. Kitchen with 6 burner Viking stove, prep sink, island sitting area, maple cabinetry with toffee glaze, buffet, wet bar. Directions: Above Western off Maiden Lane.

Century 21 Exclusively Betsy Loomis 669-6464

$199,900

2134 Citation Loop Open Sun. 1-3 Just Completed 3 bed, split-level, 1500 sq. ft. Great views from vaulted Living, Dining and Kitchen! Deck off dining. Builder warranty included. Directions: From Crawford, South on Methow, left on Saddlehorn, right on Citation Loop.

Premier One Properties Rich Rimbach 670-5843

$230,000

1512 Rex Road Open Sun. 1-3 Beautifully updated two story home! Built in 2004, 3 bedrooms, 2.5 bath, 1,914 sq. ft., fully fenced back yard, irrigation water, RV pad with utilities. Directions: Crawford to South on Okanogan, right at Rex Road, house is on left.

Windermere Real Estate/NCW Russ Andrews 670-6150

Sunnyslope $279,000 565 W. Rolling Hills Ln. Open Sun. 11-12:30                                              Laura Mounter Real Estate & Co. Nannette Saint 679-2741

3 Lakes/Malaga

2873 #1 Canyon Road Open Sun. 11-1 Country setting with acreage close to town, 3 bed, 2 bath rambler with double car garage, plus carport and huge shop.

Directions: Up 5th across Western. Watch for signs Century 21 Exclusively Brenda Burgett 669-3206

$179,900 3013 Kona Street Open Sun. 12-2                                             Windermere Real Estate/NCW Cindy Seyster 670-6466

$319,900

$179,900

$282,900

16 Summercreek Place Open Sun. 11:30-1                                      Premier One Properties Sharon Moreland 670-0075

3498 Marlette Place Open Sun. 12-2 Come see and receive a free gift! 3 bed, 2 bath 1800+sq. ft. like new manufactured home, nearly 1/2 acre. This home comes with a 30x40 shop and RV parking. Directions: Malaga Hwy, past store, right on W. Malaga, right Dixie Lane Windermere Real Estate/NCW Tim Seyster 669-5786

$378,500

1013 Westmoreland Open Sun. 1:30-3 Entertain with a view! Close In! Three bedrooms, 3 baths, view deck and in-ground pool. Many upgrades. Full living area downstairs also. Directions: West on Fifth St., North on Surry, left on W. Chester, right on Westmoreland.

Laura Mounter Real Estate & Co. Stan Hartmann 741-0892

$212,900

$464,900 536 Cedar Wood Lane Open Sun. 1-3                                       Premier One Properties Kelly Thompson 264-3185

$414,000

3163 Bermuda St. Open Sun. 2-3 Four bedroom tri-level with 2.5 baths and newer roof, skylights, deck and fencing. Large backyard with gazebo and wired for hot tub. Half bath in garage. Directions: W. Malaga Rd., left on Conarty, left on Bermuda, home on right.

Laura Mounter Real Estate & Co. Cindy Smith 664-6278

3060 Riverview Lane Open Sun. 2-3:30                                         Century 21 Exclusively Betsy Loomis 669-6464

554 Morning View Circle Open Sun. 1-3 Turn key 3 bed, 2 bath 2003 manufactured home. Views, private yard. Directions: East on 5th, left on Morning View Ave. John L. Scott Wenatchee Tracy Franklin 670-1165

$179,900

506 Nahalee Open Sun. 12-2                               Century 21 Exclusively Andrea Lutes 670-4553

$214,900

701 N. Lyle Open Sun. 11:30-1:30                                           Coldwell Banker LaVigne Laurie Carlson 393-9010

$249,500

1441 Copper Loop Open Sun. 1-3 1801 Sq. Ft. rambler on large lot with room for RV parking. Still time to pick your colors! Kitchen with breakfast nook and great room. Covered patio, 2 bedrooms, 2 baths. Directions: SE 4th Street to Kansas.

Windermere Real Estate/NCW Cliff Larson 679-0202

$335,000

351 NE 19th #20 Open Sun.1-2:30 Hey Mom & Dad We found the perfect Condo! See for yourselves this beautiful Country Club Crescent Condo.

Directions: East on 19th past Baker turn left at open house sign.

Easy Living -Full Valley Views! Come see and receive a free gift!

Windermere Real Estate/NCW Jolly Seyster 670-2500

$369,900 47 S. Mandolin Open Sun. 1-2:30 Spacious 4+ bedroom, 2 story home with large open kitchen with granite counter tops plus bar eating area. 3 car garage, fenced back yard with irrigation. Directions: East on Grant Road, right on Mandolin.

Century 21 Exclusively DeAnn Compton 670-9966

Rock Island $299,000

4600 Rock Island Open Sun. 12-2 Country living with plenty of room for all the toys. 3 bed, 2 bath.

5 acres of cherry trees, mostly Bings and Rainiers. Garage, well and carport. Large covered patio. Some equipment included.

Directions: Hyw 28, Rock Island Road, 2nd home on right.

Premier One Properties Jeff Benson 630-6859

Cashmere

$249,900 1203 Jupiter St. Open Sun. 1-2:30                                     Century 21 Exclusively Nikki Birmingham 679-9246

$215,000 330 Division Open Sun. 12-1:30                                          Laura Mounter Real Estate & Co. Cindy Smith 664-6278

$259,900 623 S. James Open Sun. 11:30-1                                      Debra White Real Estate Group Tana Wood 433-0091

Members of the North Central Washington Association of REALTORS® give back to the community by donating their time to help the American Red Cross during their February Blood Drive.

$269,900

1681 Eastmont Ave. Open Sun. 1-3                                  Premier One Properties Heidi Favor 741-2548

$299,900 1211 Jupiter St. Open Sun. 1-2:30                                          Century 21 Exclusively Nikki Birmingham 679-9246

D E L L E C N A C

$650,000 4911 Old Monitor Rd. Open Sun 1-2:30                                           Windermere Real Estate/NCW Christie Kay 630-8289

Leavenworth

$349,700 183 O Grady St. Open Sun. 1-3                                         Coldwell Banker LaVigne Debbie Chase 630-0235

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

OPEN HOUSES $287,500.....................CASHMERE Updated! 2,600 sq ft, 4 bedrooms, 2.5 baths, master suite+ 3 bedrooms, walk in closets, new appliances, tile floors, fresh paint on main floor & exterior, double garage, fenced yard, irrigation, great location. MLS# 697838 Jerry Paine 860-7696

$259,500......... EAST WENATCHEE Elegant tri-level home sure to complement your busy lifestyle. Still time to pick your colors. Superb design with upscale finish package built by Timberwood Homes.

MLS# 697878 Julie Jessup 670-6647

$259,500......... EAST WENATCHEE Rambler on big corner lot! 1,887 sq ft 3 bedroom 2 bath premier home in a premier community. Home warranty included. MLS# 697876 Julie Jessup 670-6647

$252,500......... EAST WENATCHEE Upscale 3 bedroom, 2 bath, 1801 sq. ft. rambler in Summerhill! Still time to pick your colors. Call for full list of finish work. MLS# 697879 Julie Jessup 670-6637

$239,900......... EAST WENATCHEE New Listing! 4 bedrooms, 2.75 baths, 2,350 sq ft, beautifully updated. Living room fireplace, open floor plan, wonderful backyard, fully fenced, irrigation. Awesome location close to schools, churches, & parks. MLS# 697874 Tim Seyster 669-5786

Windermere Real Estate / NCW

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

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

1235 GRAND ROAD – EAST WENATCHEE EXCEPTIONAL INVESTMENT OPPORTUNITY 3 bedroom,1 bath home with land that has been verbally approved for three additional lots. Rent or live in the home while you develop the remaining land. Nice cozy living room with fireplace. $189,000. Please Contact JEFF BENSON @ 630-6859 For more information.

MLS# 696528 Beautiful mountain and river views from this custom built 3600+ sf home with attached 4 car garage PLUS a 1200+sf fully finished shop with separate heat, air and 1/2 bath.

French Country themed kitchen features top end stainless appliances, 6 burner gas range, wine cooler, walk-in pantry and huge slab granite island. Gas fireplace is open to living and family room with surround sound. $645,000. Please Contact PAUL MARES @ 670-2119 For more information.

MLS# 697678

1112 KITTITAS ST.- WENATCHEE Spacious 2364sf rambler with main floor master, separate living and family rooms, hobby room and full basement for expansion. Possible 3rd br in basement. Freshly painted!

Lots of counter space and eating bar in the kitchen.

Refrigerator included! Hardwood, laminate and tile floors, detached shop with power! RV parking off alley! Lots of home for the price! $172,500. Please Contact PAUL MARES @ 670-2119 For more information. MLS# 696975 INVESTMENT OPPORTUNITY – Newly listed 4-plex on private drive, 2-bedroom, 1-bath units with security entrance, carports and storage. Well maintained. Excellent rental history. $349,900. Please Contact JEANNIE KING @ 679-5150 For more information. MLS# 696788

136 SOUTH MILLER STREET. - WENATCHEE

Contact: Tom

Nees

White Brick Beauty. Circular drive leads you to the front door. Hardwood floors are immediately noticeable through out the entire home. Modern kitchen with sun filled eating area and access to the private patio. Large elegant rooms with an abundance of built in features. yesterdays charms with today’s amenities. $359,900. Please Contact WAYNE LORANGER @ 669-3202 For your private showing.

MLS# 694111

509-860-2091 nees@wenatcheeworld.com

HomeFinder’s Weekend section is viewable all weekend

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

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Jason Ellard (509) 664-7058

Debbie S. Feist, LUTCF (509) 884-4800

342 N. Wenatchee Ave. Wenatchee jasonellard@allstate.com

363 Eastmont Ave. East Wenatchee debbiefeist@allstate.com

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

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

107 E. MOUNTAIN BROOK LN. - WENATCHEE

1011 N. BAKER AVE.- EAST WNATCHEE

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Brad E. Huddle (509) 664-4000 235 N. Mission St. Wenatchee bradhuddle@allstate.com

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