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FEB 2022

Divine Doodles

A Paw Above The Rest pg. 12

BEAUTY TIPS Divine Complexions

AR T S & CULTURE Ol i vi a H a r ms

H IS T O RY T i l l a mo o k Ch e e s e F a c t o ry

pg. 4

pg. 20

pg. 24

Hear From Our Happy Clients! We Love These Reviews!

Jaimy was very responsive from the very first phone call we made to him. He listed AND sold our house and found us a new one on the same weekend! His experience and insight were extremely helpful throughout the process. Jesse was amazing as well with follow up and creating a seamless transaction from start to finish. Can't ask for a better all around team!!! -Kaagen & Amber Monroe

Featured Listing

Call 503-502-3330 for details on this lovely property!

28605 SW ORLEANS AVE WILSONVILLE, OR 97070 3 BEDROOMS | 3.5 BATH | 1657 SQ FT

This easy care corner lot home allows for multiple living spaces while still providing the convenience of townhome lifestyle. The kitchen is perfect for entertaining, with gorgeous oversized island/modern layout. The big windows fill the dining/living room with tons of natural light. One bedroom suite on lower-level, as well as tech/loft area on upper level, great for a home business/crafts/homework area. Enjoy it's close proximity to shops & other amenities Villebois has to offer.Welcome home!

Wilsonville Stats Corner Jaimy Beltran

Licensed Oregon Broker / Owner Beltran Properties Group

Wilsonville Median List Price Avg Listing/SqFt Average Days On Market Listing With A Price Reduction Listing With A Price Increase Relisted Homes Days Of Inventory Median House Rent Least Expensive Listing Most Expensive Listing

Single Family $708,950 $328 55 17% 9% 4% 23 $2150 $598,950 $5,489,000

Attached/Condo $414,900 $303 14 50% 17% 0% 6 $1748 $269,900 $429,900

BEAUTY TIPS

DIVINE COMPLEXIONS

Why You Need An Esthetician

Christine Lewy

Licensed Esthetician, Owner of Divine Complexions Spa, and West Coast Regional Glo Skin Beauty Makeup Artist.

By Christine Lewy, Beauty Expert

n Esthetician is by definition a state-licensed skin care professional who has been trained through a formal esthetics program to perform treatments that promote the health and beauty of the skin. Sounds like someone I want to be best friends with! Finding a good Esthetician is someone you want on your team, unless you want to age aggressively and then that’s your right to do so! But estheticians are more than beauty professionals. Truly passionate Estheticians not only help you fine-tune your beauty on the outside, but they bring out the beauty on the inside that ends up shining through.

How do you find one? It depends if you’re looking for an Esthetician that offers a wide variety of services such as makeup application, waxing, facials, and skin care. Or some estheticians just specialize in for example eyelash extensions, because that is where their passion lies. Once you find an esthetician who meets your goals and your personalities click, he or she will be your go to professional for looking your best! Estheticians do not replace having a great dermatologist and estheticians can not give medical advice. Your Esthetician will be there to help you look flawless

for your wedding day, where as a dermatologist will help burn off that mole you’ve been despising for years. Together an Esthetician and a Dermatologist make a skin dream team. The biggest piece of advice I can give as an Esthetician myself, once you find an Esthetician you love…trust them! We want the best for you and your skin, but we can only advise you on what to do. We are not there with you every evening to remind you to wash your face. Setting you up on a monthly facial routine might sound like a lot and it’s not cheap either, but we know that is what to do to get you the best results. For Estheticians like myself, this is my dream and nothing makes me happier than instilling confidence in my clients whether that’s from perfect brows, flawless makeup for their wedding day, or just finally figuring out their perfect skin care routine. If you don’t already have an Esthetician in your life you might want to find one. Your future self will thank you for it!

As always if you have questions or comments email me at info@DivineComplexions.com

Beauty Med Spa Facial + Body Waxing

Makeup Application + Hair Styling Facials • YUMI Lash Lifting Botox/Filler and More

25700 SW Argyle Avenue • Wilsonville • 503-757-8280 • divinecomplexions.com 4 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022

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EB22

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9 in 9 $

CCC programs leading to employment [ Nine that you can finish in nine months or less. CNC Operator $3,200

Cost of Completion

Median Annual Earnings

$44,640

Plant Health Management $2,385

Welder $5,024

$50,467

$38,230 CCC offers more than 90 certificates in career technical education that are designed to give students the skills to get a job or advance in a job. Nine certificates shown here represent some of the most in-demand occupations in the region.

Nursing Assistant $1,576

$36,081

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Human Resources Assistant $2,685

Auto Body Repairer $13,764

$42,002

Alcohol and Drug Counselor $2,300

Sam

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Accounting Assistant $6,650

$43,595

Job title and median annual earnings for positions in the greater metro area (Clackamas, Columbia, Multnomah, Washington and Yamhill counties in Oregon, and Clark and Skamania counties in Washington) were retrieved from Career Coach on August 11, 2021. Learn more at https://clackamas.emsicc. com/?region=Portland-VancouverHillsboro&radius=

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RECIPE

Sweetheart Cupcakes

With Sturdy Whipped Cream Frosting

Treat your sweetheart and loved ones to these white cupcakes made special by adding festive colors.

INGREDIENTS

CUPCAKES: 1 Package White Cake Mix 1 ¼ C Water

FROSTING: 1 (8 Oz) Package Cream Cheese, Softened ½ C White Sugar

1/3 C Vegetable Oil 3 Egg Whites 8 Drops Red Food Coloring 2 Drops Raspberry Candy Oil

1 t Vanilla Extract ½ t Almond Extract 2 C Heavy Cream

DIRECTIONS 1. Preheat an oven to 350 degrees F. Line a standard muffin tin with paper cupcake liners. 2. Beat the cake mix, water, vegetable oil, and egg whites together on low speed for 30 seconds, then on medium for 2 minutes, until smooth. Fill cupcake liners 1/3 full with white batter; set aside. 3. Stir 4 drops of red food coloring into the remaining bowl of batter to make the batter pink. Stir in the raspberry oil. Pour 1/3 of pink batter into a resealable plastic bag and set aside. 4. Mix more food coloring into the remaining bowl of pink batter until it is an orange/red color and pour the batter into a resealable plastic bag. Cut a corner off the bag, stick the open tip into the center of each cup of white batter and squeeze in about two tablespoons of red batter. 5. Cut the corner off the bag with the pink batter, stick the open tip into the center of the red batter and squeeze about 1 tablespoon pink batter into each cup. 6. Bake the layered cupcakes in the preheated oven until a toothpick inserted into the center comes out clean, 15 to 20 minutes. Cool completely before frosting. 7. For the frosting, combine cream cheese, sugar, vanilla extract and almond extract in a large mixing bowl, mix until smooth, then slowly pour in the heavy cream. Whip into stiff peaks. *recipe reprinted from www.allrecipes.com/recipe/213469/ sweetheart-cupcakes and www.allrecipes.com/ recipe/140837/sturdy-whipped-cream-frosting

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10 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022

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COVER FEATURE

Divine Doodles

A Paw Above The Rest By Dennis McNabb, Contributing Writer • Photos by Carly Carpenter

Family-raised, genuine Australian Labradoodles. Divine Doodles is a paw above the rest!

wned and operated by Christine Lewy (who also owns Divine Complexions in Wilsonville!), her husband Matt and their 5 sons, Divine Doodles is a premier breeder in the South Portland Metro area for Mini Australian Labradoodles. These dogs are a multigenerational specialty breed (intentionally bred over multiple generations), known for their teddy bear appearance, loving temperament, and non-shedding coat. They are the perfect mix; a crossbreed of the loyal and playful Labrador, the gentle and loving Cocker Spaniel, and the intelligent and refined Poodle. As a result, they are nothing short of the perfect family dog! Gold Paw, ALAA registered, purebred Australian Labradoodles, and bred by a loving family right here in Wilsonville! Let’s face it, bringing a new dog into your home requires serious consideration. While there are no limits to the love and companionship a dog can bring, there are still a multitude of

12 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022

factors which can hinder the success of such an endeavor. Particularly, without a traceable pedigree confirming the health of the parents, a dog that is not bred specifically for its own health and temperament (like Divine Doodles’ Australian Labradoodles are!) can sometimes create costly and untenable situations for you at home. Sadly, that’s why many animals end up in shelters. Finding a respected and responsible breeder you can trust, like Christine and her family, is one way to avoid that. Not only are they there from the beginning, they are there for the duration; a fantastic resource perpetually available to help you navigate through every stage of the dog’s life. Should anything ever happen, and you can no longer care for the dog, Christine even requests that you return them to her so they avoid ending up in shelters! According to the ALAA, the breed originated in the 1980s, and was initiated with the intent to create an animal which would have the temperament of a service dog but also a coat that was

allergy-and-asthma-friendly. And if the implication wasn’t already obvious, their efforts resulted in a resounding success! These furry little friends are literally everything those original breeders hoped for and more. Their temperaments are sweet, gentle, loving, and smart, and they have proven to be the perfect companion for all members of the family. They are easy to train, require only moderate maintenance, and they get along great with other people and pets. Also as promised, they have low-to-non-shedding coats and are hypoallergenic, great for those allergic to dander. Christine has wanted to breed these dogs as far back as she can remember. In fact, she initially went to school to become a veterinarian but due to circumstances, ended up going in a different direction. Her passion and love of animals has never waned though, and this opportunity, especially since she is able to do it with her family, is a dream come true. They love and care for these dogs as if they were their own. They are part of her family for life, even after they’ve become a part of yours! And she is tremendously excited to introduce these little fur babies to people who are looking for that special breed. Their facility, their methods, and their dogs, have gone through rigorous testing to earn their status as a Gold Paw Breeder. Her dogs come from exceptionally healthy bloodlines; traceable generations of carefully-selected, top quality dogs which have been comprehensively health tested and DNA profiled. The puppies are socialized from the time they are days old based on the Puppy Culture Method. Christine is a firm believer in this increasingly popular and invaluable resource which strives to create socially well-adjusted puppies who have the best possible start in life. If you are considering a puppy for the family, there is no place which comes better recommended than Divine Doodles. Start today by hopping on their website at divinedoodle.com (no “s” on the end of Doodle!) for more information and to fill out an application. Note: this is a process, and it takes time. Please understand this going in. Once your application has been reviewed and approved (if it is approved), there will most likely follow a waiting period until the next litter is confirmed. You will know immediately, however, when that beautiful healthy pup is in your arms, that it was all worth it! Divine Doodles is based in Wilsonville. For more information please check out their website, divinedoodle.com, or reach Christine & family at info@divinedoodle.com. Follow them on Instagram @the_divine_doodles or Facebook @thedivinedoodles. FEBRUARY 2022 • WILSONVILLE LIVING MAGAZINE • 13

GAMES

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SOLUTIONS:

8 5 4

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By KrazyDad

FEB22

WANT TO BE IN THIS MAGAZINE? ADVERTISE SUDOKUWITH AnswerUS! 6 1 7 8 4 3 5 9 2 2 7 5 9 8 1 6 4 3 8 9 5 2 1 6 4 3 7 5 6 3 9 2 4 1 7 8 We publish 35+ local area magazines + 7direct 2 mail 5 at4ActiveMediaUSA.com 8 collateral! 3 6 Learn 1 9more 1 4 9 5 7 8 2 6 3 14 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022 5 4 1 3 7 6 8 9 2

CALL 503.825.2111 DIRECT MAIL = DIRECT RESULTS

Fill in the blank squares so that each row, each column and each 3-by-3 block contain all of the digits 1 thru 9. Use logic and solve the puzzle without guesswork. For puzzle solving tips, and more puzzles, visit KrazyDad.com.

Difficulty: Easy

Sudoku Puzzle #17

ART GALLERY ¦ CREATIVE SPACE ¦ CLASSES ¦ ART SUPPLIES

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Art~O~Maddic A DIFFERENT KIND OF ART GALLERY

showings, For the most current schedule of events, classes and exhibits, visit visitartomaddic.com/events artomaddic.com/eventsor orour ourFacebook Facebookpage. page.

FEBRUARY 2022 • WILSONVILLE LIVING MAGAZINE • 15

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16 • WILSONVILLE LIVING MAGAZINE • JANUARY 2022

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BUILDING BUSINESS - BUILDING COMMUNITY

DON’T MISS OUT! LAST CHANCE TO SECURE YOUR SEATS! Wilsonville Area Chamber of Commerce presents the

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Your trip Includes Round Trip Airfare 7 Nights First Class 13 Meals (7B, 2L, 4D) Sightseeing and Admissions (per itinerary)

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In a world that's too often negative, here are some thoughts we like and wanted to share.

www.wilsonvillechamber.com www.wilsonvillechamber.com facebook.com facebook.com /wilsonvillechamber /wilsonvillechamber

18 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022

Subscribe Subscribe to to our our e-Newsletter e-Newsletter at: at: www.bit.ly/WACCnewsletter www.bit.ly/WACCnewsletter

COMMUNIT Y -BUSINESS NEWS BUILDING BUSINESS BUILDING COMMUNITY Why It's Opening Important of to Buy Local First Grand Army National

Guard Recruiting Storefront

When you shop local, you get more than the items that you want quickly and conveniently. Buying local stimulates the Wilsonville economy, benefits local schools and charities, and even helps the environment. Take a look at some of the many reasons why it's important to shop and buy locally.

Buying Local Keeps Money in Our Community When you buy locally, the small business you patronize benefits, but the benefits keep growing. A successful small business is likely to hire more people, who then spend more money in Wilsonville. Buying locally also pours money into needy local institutions. Taxes are paid locally, boosting Wilsonville’s libraries, schools, and infrastructure. Local businesses usually donate to charities in the local community, helping make improvements everyone enjoys. Independent think tank The New Economics Foundation compared similar purchases made online and at chain stores vs. those made with local businesses, and they determined that buying locally doubles investment into the community.

Buying Local Is Better for the Environment Whether you buy online or from a chain store, it requires major logistics to get your item to you. Trucks have to haul products across the country, burning up fossil fuels and contributing to pollution. In addition, shipping products requires extra packaging to survive the journey intact. Compare buying nails online, sealed in impossible-to-open plastic, to picking out loose nails at your local hardware store bagged in brown paper (or your reusable bag!). The extra packaging ends up in landfills or the ocean, adding to environmental damage.

Buying Local Results in More Diverse Consumer Choices When you go to big box stores, you'll see the same product choices over and over. The only real difference is price, and often just pennies. Buying locally is a whole different experience. Each small business in our community is unique, offering a personal touch and a real understanding of local needs. Think about the diversity of stepping into a local clothing boutique versus browsing the big box store or online. Local artisans and craftspeople can show off their wares and build a following when you shop locally. In addition, local businesses are typically more flexible, adjusting to meet the needs of customers more quickly than corporate chains. They also do a better job of stocking the products our community members want, since they're part of the community.

Buy Local to Help Keep Wilsonville Unique By supporting local businesses, we can help entrepreneurship thrive, which adds to local prosperity and innovation. Every local retailer is one of our neighbors who has taken a risk to make our region a better, stronger place, boost the economy, and help lift friends and neighbors into the middle class. When everyone buys local, we tell our neighbors that we believe our community is worth investing in. We put our money into things we care about, and we enjoy a better purchasing experience. Shopping locally is a win-win for you, for small businesses, and for our community as a whole.

www.wilsonvillechamber.com www.wilsonvillechamber.com facebook.com facebook.com /wilsonvillechamber /wilsonvillechamber

Subscribe Subscribe to to our our e-Newsletter e-Newsletter at: at: www.bit.ly/WACCnewsletter www.bit.ly/WACCnewsletter

FEBRUARY 2022 • WILSONVILLE LIVING MAGAZINE • 19

ARTS & CULTURE

Oregon’s Own Rhinestone Cowgirl Olivia Harms

By Dennis McNabb, Contributing Writer • Photos by Natalie McFarland of McFarland Productions

hile our levels of passion regarding the subject may vary, music holds a very special place in all of our hearts. It’s in our blood. It transports us. It moves us on a primal level, in ways we can’t always articulate, and it uniquely connects us. Who hasn’t walked down the street and felt an instant camaraderie with a complete stranger wearing the t-shirt of one of our favorite bands? Well I’m happy to announce that next time that happens, you’ll be bonding over a local artist, and she hails from right here in Canby. She’s causing quite a stir in the country music scene, and her name is Olivia Harms, also known as the Rhinestone Cowgirl!

Her mom was the perfect mentor; always there, always supportive, but never pushy, and she helped Olivia assemble a team and cut her first album when she was only 16! She was highly influenced by the popcountry music that was popular in 2011 and listed Shania Twain and Taylor Swift as her main influences. Olivia went to school for a Bachelors’ degree in agriculture. Having grown up in Canby on a 150 year-old family farm, which is as much a part of who she is as her music, she promised her mom she would secure an alternative future before chasing “the dream.” Now with her degree in her back pocket, she’s ready to take on the music world.

Now to be fair, that And make no mistake, name may already those intervening be ringing a bell. If years were not you haven’t heard completely dedicated one of her infectious to studying. She new singles like was also practicing, “Gypsy” or “Road of developing, and Life,” you may know honing her craft, and Olivia because she’s writing new music 9 year old Olivia Harms with her mother, Joni Harms and brother Luke. the daughter of Joni that aligned more Harms, the Western closely with her roots. Music Hall Of Famer who has been The result of all of that hard work and winning accolades and hearts all over the dedication can be heard on her new album, world since 1990. Rhinestone Cowgirl, which was released in May of last year! Even if you don’t agree that music is in everyone’s blood, you can’t argue it’s not Recorded in Nashville, this is an album in Olivia’s! She grew up in the industry, chock full of infectious melodies, on the road and on the stage, singing poignant lyrics, and beats to tap your toe for herself at 2 years old, and singing for to! The style is slightly more mature on this her mother at 6 years old. Santa brought album, and harkens back to classic country her first guitar around that same time, western. “I was going for a very traditional and with her innate passion for music country vibe, but with some Bakersfield and already burning brightly, she taught some country western swing to bring back herself how to play. honky-tonks,” Olivia says. 20 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022 JANUARY 2022

Regardless of your tastes, this is just great music, folks! I promise you’ll come for the catchy melodies but you’ll stay for the relatable, storytelling lyrics. Olivia’s on a massive nationwide tour now, so make sure to catch her the next time she comes through. But in the meantime, please support local artists and support Olivia by picking up her new album! You can find out more about Olivia’s music by visiting oliviaharms.com or follow her on social media (@oliviaharmsofficial).

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HISTORY

By Robert Matsumura, Contributing Writer

or many of us, the name Tillamook instantly evokes thoughts of dairy products, most notably, cheddar cheese. Generations of Oregonians have toured the iconic Tillamook Cheese Factory on the Oregon coast, marveling at the state-of-the-art facilities and enjoying the delectable cheese-themed entrees and ice cream at their on-site restaurant. Tillamook and cheese have become virtually synonymous, which leads one to wonder how it all came about. Cheese in Tillamook? What’s the story? The story begins in the mid-nineteenth century as settlers crossed the Great Plains to the Pacific Northwest along the Oregon Trail. While the Willamette Valley was the primary destination in Oregon for many of these early settlers, later arrivals discovered that much of the desirable land in the Valley had already been claimed. Turning their attention west, some of these pioneers crossed over the Coast Range to take up residence in the Tillamook Bay area. Although the coastal region posed certain challenges—namely, dense forest and abundant precipitation—it was the ideal climate to grow fields of lush green grass. Since cows thrive on green grass, and grass was a plentiful resource, dairy farming became the logical agricultural pursuit in the area. Initially, these early dairy farmers churned out butter, hoping to market their product in the burgeoning city of Portland. However, reliable roads over the Coast Range were scarce in those days, and after unsuccessful attempts at hiring ships to transport their butter down the Columbia River, the local farmers pooled their money and constructed a small schooner in 1855, christening it the Morning Star. For many years, the Morning Star transported butter to markets in both Astoria and Portland. Today, the Morning Star lives on as part of the Tillamook Cheese logo. 24 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022

In time, a shift occurred from making butter to producing cheese. Cheese was easier to ship than butter, and was less perishable during transport. As the years passed, Tillamook earned a solid reputation for producing quality cheese, and in 1893 two Portland entrepreneurs, Harry Ogden and Thaddeus Townsend, purchased their own herd of cows and founded the first cheese factory in Tillamook. In 1894, Townsend hired Canadian cheesemaker, Peter Duncan McIntosh, from a cheese factory in Woodland, Washington, to teach them the art of cheesemaking. It is McIntosh who is credited with educating local farmers on the production of cheddar cheese—the cheese that would become the signature variety for years to come. In 1909, a number of the region’s cheesemakers joined forces to create the Tillamook County Creamery Association. The mission of the TCCA was to promote Tillamook cheese, and to ensure

quality standards and brand consistency. With the construction of a railroad connection to Tillamook in 1911, Tillamook cheeses became available in cities up and down the West Coast. The early decades of the 20th century saw the demand for Tillamook cheese grow in leaps and bounds. Two world wars boosted both production and sales as federal government contracts resulted in the shipment of millions of pounds of cheese across the seas to the U.S. military abroad. By 1940, over a dozen independent cheesemakers were in business in the Tillamook area, all producing Tillamook cheese for the official brand of the Tillamook County Creamery Association. In 1947, the company began making ice cream as well, but initially it was only available in Tillamook, Clatsop, and Lincoln counties. Following World War II, the four largest cheese factories in the region— Holstein, Tillamook, Cloverleaf, and Mapleleaf—merged to form the Tillamook Cheese and Dairy Association (TCDA). In 1949, the TCDA constructed a sizable state-of-the-art facility along Highway 101 that quickly became a favorite tourist destination for coastal travelers, drawing more than a million visitors a year. The 1960s, however, saw a rift develop between the TCCA and the TCDA. A dispute broke out over the marketing of Grade A milk, which essentially split Tillamook’s dairy farmers and cheesemakers into opposing camps. Families were divided and the community was a powder keg of contention, and reconciliation proved elusive. At one point, violence actually erupted when a homemade bomb was detonated at the residence of Beale Dixon, the head of the TCCA, damaging the family home and automobile. The dispute dragged on for almost a decade, with both factions marketing their products as Tillamook Cheese. Finally, on January 1, 1969, after years of litigation, both sides came to an agreement and reorganized under the banner of the Tillamook County Creamery Association, now a single, unified corporation.

The TCCA continued production at the Bandon factory for two more years before making the decision to shutter the facility and demolish the building, though the company continues to market cheese under the Bandon Cheese brand. Further expansion occurred in 2001, when an additional plant was constructed in Boardman, Oregon along the Columbia River. This facility— Columbia River Processing—produces the majority of all cheese marketed under the Tillamook brand today. In 2005, in response to customer concerns over the use of Bovine Growth Hormone on dairy cattle, the TCCA made the decision to ban its use among its member farms. Today, a trip to Tillamook is not complete without a tour of the company’s visitor center. This new creamery, completed in 2018, includes a café, store, and restaurant where visitors can dine after learning about the history and operations of Oregon’s own premier cheesemaker. Tillamook has won hundreds of awards— local, domestic, and international—and like the old Morning Star schooner on its label, continues to deliver exceptional cheese and dairy products that would make its founders proud. Tillamook Cheese Factory is located at 4165 N Hwy 101, Tillamook, OR 97141 and is open from 10am to 6pm every day. For more information, please visit www.tillamook.com.

During the 1990s, Tillamook continued to expand their product line to include sour cream (1993) and yogurt (1994). In 2000, the TCCA purchased the Bandon Cheese Factory, an operation on the southern Oregon coast that had been struggling for many years. FEBRUARY 2022 • WILSONVILLE LIVING MAGAZINE • 25

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Kelby Maria Photography

(l to r) Shantel Yamada, Sherine Beltran, Greg Kozina, Jason Windell, Davide Cook, Jaimy Beltran, Michelle Benikov

BELTRAN PROPERTIES GROUP at eXp Realty

SUPPLY & DEMAND

By Dennis McNabb, Contributing Writer

Affordability is key in a shifting market, so strike while the iron is hot!

f you’ve been following the real estate market these past couple of years, you will be well aware of the fact that in the Northwest demand has been exceptionally high while supply has struggled and failed to keep up. Sellers, as a rule, have enjoyed relatively quick turn-around times while also receiving at times multiple, overasking-price offers. On the flip side, buyers have been enticed by consistently low interest rates. So regardless of which side of the equation you’ve been on, it has been win-win for all

30 • WILSONVILLE LIVING MAGAZINE • FEBRUARY 2022

parties involved, and it’s been one wild ride! Thanks to our friends, Jaimy, Sherine, and the whole team at Beltran Properties Group at eXp Realty, we’ve been kept abreast of the situation; updated monthly with their expert advice regarding how to maneuver through this volatile market. This month, after meeting with Jaimy to get his most recent update, it seems that the inevitable market adjustment we’ve been warned about is finally upon us. It’s only just begun, but interest rates are on the rise (up almost half of a percentage point in just the last

few weeks)! For those of you who are looking to buy, that means affordability and buying power are on the decline. Now, a half percentage point may not sound like much, but for perspective, let’s take a look at some numbers on our mortgage calculator. Keeping things simple, let’s imagine that you are looking at a home with a list price of $550,000 with a 20% down payment and a standard 30 year fixed term. Given those parameters, to purchase that home with an interest rate of 3.5%, you would be looking at a monthly mortgage payment of somewhere in the vicinity of $1975.00 (not including taxes, insurance, etc.). Over the course of your 30 year loan, you would pay a total cost of roughly $718,379.00. By contrast, an interest rate increase of only one percentage point (from 3.5% to 4.5%) would move your monthly payment up to $2229.00 and your overall cost after 30 years to $802,589.00.

There are other factors that come into play, of course, and these numbers are simplified to illustrate a point, but the point is not an insignificant one. An increase in interest rate of only one percentage point equates to almost a $100,000 loss of buying power! And that affects both buyers and sellers, since a general loss in buying power means a slow down in the market. Even with continued low inventory, some buyers will be priced out of the market and present sellers with fewer offers. Houses will continue to sell, but asking prices will have to adjust downward to

accommodate the higher rates. Don’t hesitate any longer. Contact Now, this is nothing to Jaimy and his team, Beltran panic over. The trend is just Properties Group at eXp Realty, beginning, and it’s forecasted today! Call 503-502-3330 or to increase slowly, but it’s certainly something to look them up online at consider. Especially for sellers, beltran properties.com. now is the time to act. Now is the time to capitalize on these unprecedented market conditions we’ve been witnessing this past year. The market is still hot! It’s still a great time to sell or buy. But the writing is on the wall and the gradual return to a more “normal” market is in process. All of this is to say, if you’re considering getting into the market and you haven’t yet reached out to Jaimy and his team at Beltran Properties, do it sooner rather than later! There is no one better to help you navigate the system. Their decades of experience, superior technology, and vast network of industry affiliates guarantee you’ll have the best possible outcome. And that doesn’t even take into consideration that they are the nicest, most conscientious bunch of people you’ll ever meet. They have each maintained their roles as integral parts of the Wilsonville community year in and year out.

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