What do You Look For When Buying a Home?

By Scott Cowan, , Post Archive,
Posted: Wednesday, June 16th, 2010, 5:08 am PST
Category: Buying a Home,Tacoma

I have a question for the readers of this blog. What do you look for when you are thinking of buying a home?

I sell homes in and around Tacoma that much should be obvious if you are visiting my blog. I know what I do to find potential clients who can benefit from my services. I know what works and what does not work when it comes to finding clients. What I need to learn now is what do you look for when you are going to buy a house?

What is it that helps you to “know” when you’ve found a place you want to call home? When you are just looking do you search the Internet to look at homes for sale? Do you use a search engine and type in phrases like Buying a home in Tacoma or Homes for Sale in Tacoma. Feel free to insert the area that you are actually looking at for Tacoma in your responses. What is it that you are looking for from the big machine that sends your answers back to you?

One of the nagging questions I am looking for help with is when do you decide to work with a Realtor®? At what point during your search to you want professional assistance? What value to you expect your agent to bring to the table? You can go to dozens of websites and see every agent in Tacoma or any other city tell you that they are the best to help you buy or sell your home. What cuts through the white noise? What makes you pick up the phone, send email, or visit the office of the agent you decide you want to find out more about?

You can search here to see all of the homes for sale in Tacoma Washington. You can search a lot of places to find homes for sale. You can find out a lot about borrowing money to buy a home in Tacoma here. You can find a lot of information on just about everything related to buying home online. What I want to know is what do YOU want to help you look for a home? If you can clearly answer that question  then you will find that when you’re ready to buy a home you will have a much easier time. By sharing your answers  you can help me to be the best Realtor® I can be. Together we can help one another.

So, What do you look for when buying a home?

USDA Washington State 2010 Income Levels Have Changed

By Scott Cowan, , Post Archive,
Posted: Thursday, June 10th, 2010, 12:42 pm PST
Category: Buying a Home,Lending,Puget Sound,USDA Financing

The USDA has announced some changes to the 2010 Washington State Income Levels to qualify for 100% zero down USDA financing.

Take a look at table below to see what the income levels for where you live have been adjusted to. Income levels in Pierce County is now at $80,050 for a family up to 4 people. The income level is a very doable level for many of the homes located in Pierce County.

If you’re considering buying a home in Pierce County and you are not considering buying within the City Limits of Tacoma you might just find USDA financing a very valuable way to help your family get into a home this year.

When you are ready to talk about buying a home in Pierce County call (253) 219-1194 and we can setup a time to meet and discuss your options. As a Realtor® it is important that I keep up to date on both our local real estate market and on the various financing options. Just as no Realtor® is a perfect fit for every client; not every lender is a perfect fit. Working together we can find the best fit for you and your needs when it comes to buying a home in Pierce County using USDA financing or another type of financing.

County

1-4 person household 5-8 person household
Benton, Franklin

$74,750

$98,650

Kitsap, Thurston

$82,650

$109,100

Island

$89,550

$118,200

King, Snohomish

$92,600

$122,250

Clark, Skamania

$81,850

$108,050

Pierce

$80,050

$105,650

San Juan

$78,050

$103,050

All other Counties

Adams, Asotin, Chelan, Clallam, Columbia, Cowlitz, Douglas, Ferry, Garfield, Grant, Grays Harbor, Jefferson, Kittitas, Klickitat, Lewis, Lincoln, Mason, Okanogan, Pacific, Pend O’Reille, Skagit, Spokane, Stevens, Wahkiakum, Walla Walla, Whatcom, Whitman, and Yakima

$74,050

$97,750

Will the Real Carolyn Capalbo Please Stand Up

By Scott Cowan, , Post Archive,
Posted: Friday, May 28th, 2010, 10:13 am PST
Category: Ramblings

One of the things I do besides sell real estate is to help others out when it comes to online social media marketing and brand building. I was reading an article on one of my favorite sites Bloodhound Blog and Eric Blackwell was writing about a fellow Keller Williams Realtor® in Northern Virginia Carolyn Capalbo.

Why am I posting this here on Classic Homes Northwest? A site that is about real estate, buying and selling homes in Tacoma Washington? Well, because the topic should matter to all of us. See Carolyn Capalbo has the same name as the mother of Ashley Dupre. By simply having the same name as Ms. Dupre’s mom Carolyn has felt the effects of search engines gone bad.

Who has the same name as you? Are they doing anything that you would be ashamed of? Are they doing anything that the search engines are picking up? When someone types your name in a search engine what are the results? While we cannot control the actions of others no matter if they have the same name as we do. We can and should be monitoring our reputations online. If you spend any amount of time online and if you are concerned about your reputation you need to be taking time out to make sure you’re being represented correctly online.

The purpose of this article is to help Carolyn Capalbo someone I have never met but who from what I have read about her seems like a nice person in Northern Virginia regain her reputation on the search engines. If you’re looking to buy or sell in Northern Virginia give Carolyn Capalbo a call. Tell her Classic Homes Northwest said she was ok. If you’re looking to buy or sell a home in Tacoma? Well you know what to do. If by chance you’re not sure what to, call Classic Homes Northwest today we will be happy to help you buy or sell a home in Tacoma!

Open House this Saturday

By Scott Cowan, , Post Archive,
Posted: Friday, May 28th, 2010, 9:44 am PST
Category: For Sale,Open House,Tacoma

Well it is raining in Tacoma so many of you may be hanging around town this weekend. If so we will be holding our listing at 1327 N. Fir St. Tacoma, WA 98406 Open 1pm to 4pm on Saturday.

Please feel free to come by and see all of the features of this great view home.

1327 N. Fir St. 

3 bedrooms 1.75 baths. hardwood floors, updated kitchen and baths. Detached converted garage that will make a great area to get away from everything. Large lot that has mature landscaping and easy to maintain. Covered 2 car car port and parking in front of home. Everything points towards a home that you can entertain in.

Great views of the Olympic Mountains, the Narrows Bridges, Puget Sound and of course wonderful sunsets. Located on a low traffic road yet just a minute away from highway 16.

Stop by and see for yourself this beautiful mid century home. If you’re ambitious you could look into adding a 2nd. story and have amazing views!

See you Saturday 1pm to 4pm!

The pursuit of happiness do we still pursue happiness?

By Scott Cowan, , Post Archive,
Posted: Sunday, May 23rd, 2010, 5:47 pm PST
Category: Ramblings

I was reading the Washington Post today and Arthur C. Brooks of the American Enterprise Institute wrote a brilliant piece. The title of the piece America’s new culture ware: Free enterprise vs. government control. You can read the entire article by following this link to the Washington Post.

Mr. Brooks states that we are facing a new culture war in America. He goes on to explain the new war is over free enterprise and limited government vs. European style statism. The roots of America are in free enterprise and this has been the cornerstone of our country sense before our founding fathers. Now we are faced with a minority that wants to change how our country is being run by allowing our government to take over more and more of the basic building blocks of our economy.

Please go and read the article. Educate yourself on what is happening around us. This is way too important of a topic to be ignored. No matter what side of the political aisle you favor you must realize that we need to keep our free enterprise system free.

USDA Loans Show Me an Example of What We Can Buy

By Scott Cowan, , Post Archive,
Posted: Thursday, May 20th, 2010, 8:23 am PST
Category: Buying a Home,Lending,Puget Sound,USDA Financing

I was chatting with a friend the other day about USDA loans and she mentioned that she thought that USDA loans were for farm houses and things way out in the “sticks” I explained to her that her concept of USDA loans was a bit off.

Yes you have to be purchasing a home in a “rural area” but rural is a term that our government uses a bit differently. In Pierce County Washington much of the county is considered rural. That means that towns like Gig Harbor, Graham, Bonney Lake, Roy, McKenna, DuPont and many more are considered rural. You can find more information on Pierce County USDA eligibility by reading our other articles here on Classic Homes Northwest.

More on USDA Loans in Pierce County.

Update on congressional extending the funding for the 2010 fiscal year.

Here are two listings we have right now that are located within USDA boundaries. One is located on Anderson Island Offered at $259,000 with a great view of East Oro Bay.Membership in the Riviera Country Club is included in the annual homeowners dues as is your water.Learn more about Anderson Island here. The other is in Scenic Shores by Lake Lawrence. Anderson Island is a remote quiet island in the Puget Sound but it a great place to get away for a weekend etc. If you are a first time buyer and you are looking for an affordable home then you should take a look at Anderson Island. The home for sale at Lake Lawrence is offered at $209,000 and allows you to use the facilities at Lake Lawrence with your HOA dues. Close to Ft. Lewis, Olympia, Yelm, and a 30 minute drive to Tacoma. This 3 bedroom home could be yours for what most of us pay in rent each month. For more information on this house we have lots more here.

As you can see both of these homes are not farm houses and they are not on dirt roads. USDA loans can help you if you are looking at homes in the areas outside of the main core of Pierce County and the City of Tacoma.

When you’re ready to learn more about USDA loans and how they can help you take advantage of the current interest rates and property values we will be happy to introduce you to a lender who can walk you through the process.

If you would like a list of USDA eligible homes in Pierce County please fill out the contact form on the right side of the blog. We will send out a list of currently available homes to you. If you’re ready to talk so are we. Give us a call at 253-219-1194 today.

Tired of Facebook Sharing Your Personal Information? 3 Suggestions

By Scott Cowan, , Post Archive,
Posted: Friday, May 14th, 2010, 8:00 am PST
Category: Ramblings

While not a real estate related topic this is one that most everyone who visits this site will find appropriate.

Are you tired of Facebook sharing your personal information? Does the weekly changes to privacy settings seem a bit much to you? What can you do about it? I have 3 suggestions that will help you.

  1. Stop using Facebook. That’s right go in and delete your account. You can find the instructions here to delete your account. This in my opinion is a silly solution there is no reason to commit social media suicide. However, after you delete your account you will no longer need to worry about what Facebook is doing with their security settings.
  2. Accept that Facebook will continue to evolve and that you as a user will need to continue to evolve with it. You will need to simply go about the tasks of changing your personal privacy settings as necessary so that you feel secure with what information you are sharing on Facebook. Really it seems that it should be common sense that anything you share online will be saved somewhere out of your control. If you are not comfortable with this see suggestion 1. After you complete suggestion 1 remove your computer from whatever method you connect to the Internet and NEVER, EVER go online again. Everything you do online can potentially be saved and misused.
  3. Here is the method that I feel will make Facebook sit up and take notice. First step. STOP clicking on any advertisements on the site. Simply put stop putting money in the advertisers pockets. Once they realize that Facebook is not a platform for their marketing they will stop giving Facebook money. Facebook not getting money will cause them to sit up and realize that we as users are voting with our pocketbooks. That will send a message loud and clear. Included in this is stop playing all games, stop taking all quizzes, stop doing anything but posting on your wall or the wall of others. We all need to remember that when we use a game or an application on Facebook that we are putting money in someones bank account. Part 2 of this step is to simply use Facebook less. If the traffic of the site drops off along with the drop in revenue the powers that be will take notice. They are smart people they will get the message.

Really folks it is time that everyone realizes that everything we do in our lives online is recorded and saved somewhere. It is not just Facebook that is sharing our information it can be every site. Think twice before you share your personal information here or anywhere.

I welcome your thoughts on this topic.

USDA Financing Fiscal Year 2010 Funds Running Out. Conditional Commitments Will be Issued

By Scott Cowan, , Post Archive,
Posted: Wednesday, May 12th, 2010, 3:34 pm PST
Category: Buying a Home,Lending,Puget Sound,USDA Financing

As we have reported here in previous articles the USDA is running out of funds for the fiscal year 2010. The announcement today that the USDA will issue conditional commitments for Section 502 Single Family Housing Guaranteed Loans after the funds have been exhausted is potential good news for home buyers in Pierce County or anywhere that it is possible to use USDA financing. Your USDA approved lender can continue to process completed loan requests, receive conditional commitments, and close loans.

There is a change to the USDA financing the “Guarantee Fee” is increasing to 3.5% for purchase loan and it is increasing to 2.25 for refinance loans. The cost of getting a USDA loan has just increased. The borrower can still put zero down but will have the guarantee fee wrapped into the total loan. In a very simple example if you were to buy a 100,000$ home the initial loan amount would be 103,500$

While the cost of borrowing money using USDA financing has gone up the news that funds will continue to be available is good news for home buyers. When you are ready to begin looking for your home we hope you will give us a call so we can help you through the process of making a great decision. We work with multiple approved USDA lenders and we can help match you with a lender who will work hard for you to get the best possible financing. We then will work hard for you to find the best home and the best deal. We’re here when you’re ready.

Being a Realtor® Sometimes Means Being Frustrated

By Scott Cowan, , Post Archive,
Posted: Sunday, May 9th, 2010, 5:58 am PST
Category: Ramblings

Please skip this post unless you want to read what a frustrated Realtor® has to say about changing the very software we use to find our clients homes.

Recently the NWMLS changed software providers for the multiple listing service. What does this have to do with being frustrated. Like many of us change can be challenging for me. I do however like to upgrade my software and I am always looking for something new to try out. That is when I am not trying to make a LIVING using the tool.

Yesterday I was holding an open house in Tacoma and someone stopped by to see the home. Well actually she stopped by to find directions to another home that was being held open. Being the helpful type of person I am I offered to find it “in the multiple” for her. She gave me the address and for 5 minutes I looked and looked and could not find the home. This lady thought I was an idiot for not being able to find the home that was advertised in the newspaper. She went to her car to get me the newspaper advertisement and sure enough there was the house. I plugged in the address and nothing. I put in the MLS number and the listing popped up and sure enough it had the exact address I typed. As the visitor walked out the door she mentioned something about me possibly finding a better job suited for my lack of computer skills…..

Immediately after that I tried to access the new software again and could not access the database. Simply timing out…. over and over… I actually called the tech support for the NWMLS where I was assured that everything was working correctly. The person on the other end of the phone allowed me to vent and assured me that in the next couple of weeks I would see some amazing changes and that everything would be working better than I could ever imagine.

Moral of the story. If you are working with a Realtor® right now and they are having troubles finding information for you. It’s not them it’s the system… give em 2 weeks.

I just hope my open house visitor stops by again in two weeks so I can dazzle her………

Open House Saturday May 8th. 1pm to 4pm 1327 N. Fir St. Tacoma, WA 98406

By Scott Cowan, , Post Archive,
Posted: Friday, May 7th, 2010, 7:43 am PST
Category: Open House,Tacoma

Saturday May 8th. 1pm to 4pm we will be holding 1327 N. Fir St. Tacoma, WA 98406 open to the public.

1327 N. Fir St. Tacoma, WA 98406This 3 bedroom 1.75 bath home is offered at $439,995. Featuring great views of Puget Sound and the Narrows Bridges. Comfortable living awaits the next owner of this home. One level living with the potential of building a second story to fully capture the views.

For more information on this home you can visit our listing page for the home by following this link. If you are not able to attend the open house on Saturday please contact us directly and we will schedule a time for you to tour the home. If you are working with a Realtor® have your agent contact us and we will setup a time for your tour.

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