REAL ESTATE Fall Showcase
INSIDE
Real estate: prices up, inventory down
Budget before you buy: make sure you’re ready for home ownership
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Do you need mortgage insurance? Weekend home upgrades that increase your home’s value Declutter your home: a room-by-room guide
n Sonoma County’s desirable great northwest, real estate prices are still rising, even while middle income homes are more difficult to find. Rick Laws, Senior Vice President of Sonoma County for Pacific Union Real Estate, compiles extensive data on real estate sales and says the increase in prices and decrease in overall transactions are simply “the law of supply and demand.” Laws says that the small communities in northern and western
“There are a lot of opinions about housing affordability but there’s only one set of facts; supply and demand.” Rick Laws
Sonoma County tend to grow at a slower rate than the larger cities like Santa Rosa, and “the inventory is just not there.” North county Take Cloverdale, for example. Laws points out that due to its distance from the Bay Area and job centers, Cloverdale “has tended to be priced lower than other north county properties, but that inventory has been sucked up by demand for affordable housing.” According to Laws’ data, so far in 2017 (through August) there were 93 transactions in Cloverdale, down 17 percent from the same time period in 2016. Those homes and farms sold for more money, with a median price of $525,000 vs. $477,5000 a year ago, and they stayed on the market an aver-
age of 55 days, vs. 77 days in 2016. Elsewhere in the north county, the Healdsburg median price went up 2.6 percent, from $866,500 to $888,750. The number of transactions in Healdsburg was relatively flat, with 213 so far this year and 209 in the same time period in 2016. Healdsburg homes stayed on the market barely longer this year, an average of 142 days vs. 141 days last year. In Windsor, home sales were barely down, 195 so far this year vs. 198 for the same time period in 2016. The median sale price went up 2.6 percent, from $561,200 to $596,000 while days on the market showed a fast sales pace this year of 49, vs. 60 days on the market average last year. See Housing Page 5
There should be a sense of confidence when searching for your perfect place.
Local knowledge. Global reach.
Jane, Ron & Cristina Pavelka 707.480.5424 pavelkateam@pacunion.com License #01381422, #01476514
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Real Estate Fall Showcase 2017
Is it time to make the leap into home ownership? Tips to prepare your budget before buying a home
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It’s virtually impossible to know what size home you can afford if you aren’t fully aware of how much money you are earning and how much you are spending each month. Start with your income: How much do you bring home after taxes and retirement plan contributions? Next, look at your expenses: What are the most necessary expenses? How much are you paying each month toward your debt? What additional expenses do you have that wouldn’t be deemed “necessary?” How much money do you have left (if any)? This will help you see how much breathing room is in your current budget, what expenses might be on the chopping block and the space you have for additional home and mortgage expenses when buying a home. Consider the potential costs of being a homeowner While rent payments are generally straightforward and predictable, the same can’t always be said for home ownership costs. Your situation can vary depending on a variety of factors, but here are a few things you might need to prepare your budget for. Property taxes: The amount you pay will depend on the area in which you are purchasing a home. This REaLITy CHECk — Often taking the time to calculate what you spend money on now and what you consider a ‘necessity’ can help you amount can be subject to annual adjustment by the municipality or local make good decisions about whether you can afford a home mortgage. taxing authority. Homeowners insurance: Lenders Determine where to make probably already an expense you’re insurance. Using this method will will require you to provide proof of adjustments typically save you between 15 and 20 used to. However, if you’re moving coverage before closing. The amount percent per month on your mortgage into a bigger home with less energy Does living like a homeowner you pay will depend on your level of efficient appliances, you should be payment, but you could owe a pormake you a little wary for what’s coverage, your tion of the appre- prepared to see an uptick. next? Now is the perfect time to creproperty and the ciation on the ate space in your budget by cutting Consider your current rental home when you location. Insurback expenses and paying down Start living like a homeowner ance costs can in- or home-ownership costs and sell. debt. If you want to avoid sticker shock crease from time Homeowners Now that you know where your compare them to the costs for after your home purchase is comto time. association fees: money is going, determine the unplete, start living like a homeowner a home in your target price Fortunately, not Private mortnecessary leaks. Maybe your now. gage insurance all homes have a point. Can your current monthly food bill is too high. Or Consider your current rental or (PMI) or morthomeowners asmaybe your subscription services budget handle the difference? sociation to pay home-ownership costs and compare have gage insurance gotten out of hand. them to the costs for a home in your premiums (MIP): into. Purchasing If your priority is purchasing a If your down paya home with HOA-covered amenities target price point. Can your current home — and being financially comment is less than 20 percent on a con- could cost, on average, an additional budget handle the difference? fortable in that home — work to cut ventional mortgage, your lender will $200-$400 per month. Are you still able to pay for your expenses that are contradictory to require you to carry private mortMaintenance fees: Ah, the pitfalls necessities plus shore up your finan- that goal. gage insurance. If you have an FHA of being a homeowner. The costs that cial future through short- and longNext, tackle your debt. There are loan, you’ll be required to pay mortterm savings? Or do you find would normally fall to a landlord, two big benefits to beefing up your gage insurance premiums throughyourself feeling desperate by the end like fixing broken plumbing or a debt repayments now: You can lower out the life of the loan. of the month? heater on the fritz, will now fall on your monthly obligation and imHome ownership assistance: A your shoulders. Some suggest saving Not only will this allow you to get prove your chances of getting apcompany like Unison Home Ownerone percent of your home’s value an- used to the change before the stakes proved for a home loan. It’s a ship Investors can strengthen your nually for maintenance. are higher, but it can also help you win-win. down payment overnight and elimiUtility costs: Unless your rent has save money toward unexpected costs — BPT nate the need for private mortgage for your future home purchase. included the cost of utilities, this is
Real Estate Fall Showcase 2017
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Keep an eye on MI: how to lower your monthly payments Mortgage insurance can help you buy a home; know the costs in advance
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wning your own home comes with many all MI is the same, and not all MI can be canceled. advantages, including escaping rising rents There are numerous low-down-payment mortand the personal and financial stability as- gage options available that include MI. sociated with homeownership. The two most common are: (1) home Fortunately, millions of Americans, with less loans backed 100 percent by the govthan 20 percent down, have been able to buy a ernment through the Federal Houshome sooner thanks to mortgage insurance (MI). ing Administration (FHA) that If you don't put down 20 percent of the mortinclude both an upfront and angage cost, you will likely be required to purchase nual mortgage insurance preMI, which enables low-down-payment borrowers mium (MIP); and (2) conventional to qualify for home financing from lenders. loans, which are typically backed at least in part by private sources While homeownership has many benefits and of capital, such as private MI. continues to be part of the American Dream, it is not without costs. The key difference is that one form can be canceled (PMI) while Several surveys have found that the other (FHA) typthe majority of first-time homecannot be canbuyers — over 80 percent accordMortgage insurance is ically celed. ing to one study — put less than 20 a good thing because percent down. For these borrowAn FHA loan can be ers, there is usually the added exobtained with a down payit bridges the divide pense of MI, which may give some ment as low as 3.5 percent. Howbetween a low down of these borrowers pause. ever, be aware that you will typically have to pay a mortgage But there is good news: the payment and mortgage insurance premium (MIP) of 1.75 monthly private mortgage insurapproval. But not all MI percent of the total loan amount at ance premiums do not last forever closing or have it financed into the on most conventional loans. And is created equal. mortgage. when private MI (PMI) cancels, homeowners will have more cash In addition to your regular in their pockets each month — money that is monthly mortgage payments on your FHA loan, available for home improvements or other goals. you will also pay a fixed monthly MIP fee for the It is important to understand, however, that not life of the loan.
This means you could pay hundreds of dollars extra every month — thousands over the life of the loan — until you pay off the entirety of the loan. If you obtain a conventional loan with PMI, you can put as little as three percent down. Like an FHA loan, PMI fees are generally factored into your monthly mortgage payment. However, PMI can often be canceled once you have established 20 percent equity in the home and/or the principal balance of the mortgage is scheduled to reach 78 percent of the home's original value. This means that the rest of your mortgage payments will not include any extra fees, so that your payments go down in time, saving you money each month. What you save in the long run can then be put toward expenses like home renovations, which can further increase your home's value. Mortgage Insurance is a good thing because it bridges the divide between a low down payment and mortgage approval. But not all MI is created equal. If you want to buy a home but still save in the long run, PMI might be the right option for you. Check out lowdownpaymentfacts.org to learn more. — BPT
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Real Estate Fall Showcase 2017
HOUSING: Continued from Page 1 West county Sebastopol showed similar trends, with 160 transactions so far this year, down 3.6 percent from 166 last year. Homes in Sebastopol stayed on the market an average of 61 days this year, similar to last year, which was 64. The median in Sebastopol went up 4.5 percent, from $854,571 to $892,600. The Russian River area followed the trend, with sales down 10.2 percent, 168 so far this year vs. 187 last year. The median price was up 7 percent, rising from $400,000 to $428,000, and the days on the market figure was down, 58 days for this year and 65 for last year. Laws said interest from buyers in Marin and the Bay Area will keep pressure on prices, especially when you consider that the largest increase in home sales are in the $1-2 million price range. “These prices might seem high to us, but for someone from San Mateo, everything in Sonoma County is on sale; to them these are screaming good deals.� Laws said that as long as the supply of affordable housing is constrained, prices will keep climbing. “What used to be $500,000 is now selling at $600,000; what used to be $600,000 is now at $700,000,� he said. “There are a lot of opinions about housing affordability but there’s only one set of facts; supply and demand.�
LookINg foR youR DREaM HoME? — With housing inventory not keeping up with demand, prices for homes in the smaller communities in Sonoma County are rising each year.
Real Estate Fall Showcase 2017
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Real Estate Fall Showcase 2017
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Real Estate Fall Showcase 2017
This fall, give your home upgrades staying power floor, ceiling and counter surfaces make a big difference in your home environment
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all can be the perfect time for homeowners to complete projects that busy summer schedules didn't allow. It's also a great time to look at ways to add lasting value to your property. This season, upgrade cheap fixes, freshen dated looks and incorporate lasting improvements in your home. Changes that can bring impact and also increase the resale potential of your home include: Lose the linoleum Linoleum has been popular in many homes since the 1950s, but these days it's not the only flooring option for durability and waterproofing in areas like the kitchen and bath. Wood-look tile has become
hugely popular, and the style isn't going anywhere. Retailers carry an array of wood-look porcelain tile, vinyl and engineered flooring products that are versatile, water- and stain-resistant and fit with any decor. Upgrade laminate countertops Particleboard and laminate are affordable options, but not ones that will create impact in the kitchen. These days the options are vast for elevating countertops with butcher block, quartz, marble, concrete and more. Create a cohesive look with countertops matched to the cabinets. Updating hardware can also be an economical way to freshen the space and tie the look together.
Scrape popcorn ceilings Common in many homes because they're easy to apply, popcorn ceilings are often one of the first things a new homebuyer wants to change. If you're looking to sell, scraping the popcorn in favor of a smooth look may win over prospective buyers. Always test popcorn ceilings for asbestos before you start. Rethink wallpaper Wallpaper had its day, but many new homeowners want it gone — and that's not always an easy update. Save the headache now and later and opt for neutral paint styles while bringing interest and color with your decor. Whites and neutral paints for walls and trim brighten a space and
make it appear bigger. Nix wall-to-wall carpeting Many homeowners can't wait to get rid of old, dirty and dated carpets in favor of the quality, reliability and beauty of hardwood and wood-look floors. Now there are a variety of hardwoods, bamboo and wood-look flooring styles to choose from, and it's possible to achieve the look of hardwood at an accessible price point. The best part of making improvements like these now is that homeowners can enjoy them all winter long, and far beyond. And you'll increase the odds the next generation will love your home, too. — BPT
SoLID gooD LookS — Flooring comes in a wide array of styles, patterns and materials. Ask your home retailer or flooring expert for recommendations that fit your lifestyle and taste.
Real Estate Fall Showcase 2017
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Real Estate Fall Showcase 2017
Try these 7 upgrades before selling your home Projects you can do in a weekend that will wow potential buyers
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nyone who’s ever bought or sold a home knows how little things can sway a buyer to feel a particular house is “just right.” While major features such as a good location, a big kitchen, and a certain number of bedrooms and bathrooms all drive a home’s price and how attractive it is to buyers, small details like fresh paint and new faucets can also help clinch a sale. When you’re trying to sell your home, you should be willing to spend some money on repairs and improvements to help boost the sale price. The good news is that you don’t have to spend a lot to make a big impact if you invest in key quality details. Here are seven “little things” you can do to help make your home more appealing to buyers, and possibly get a better price — and you can accomplish them in just a weekend: Upgrade your kitchen faucet and sink The kitchen faucet and sink aren’t just practical tools every kitchen needs — they can also be essential elements of a room’s overall design and appeal. Replacing a dated kitchen faucet is a minor change that can mean a lot to homebuyers. Choose a pull-down, multi-function option like the American Standard Edgewater semi-professional kitchen faucet with SelectFlo technology. In addition to modern styling, you’ll get four spray functions and a convenient pause feature, the ability to set a preferred water temperature without readjusting the handle, and a water-conserving maximum flow rate of just 1.5 gallons per minute. Pair it with an Edgewater double bowl stainless steel kitchen sink, and you’ve created a new focal point of design, efficiency and utility sure to catch BaTHRooM oaSIS — The classically-styled Townsend bathroom sink and shower faucets boast strikingly-tapered design lines, along with water-saving performance, and are complemented by the attractive Boulevard high-efficiency, concealed buyers’ eyes. trapway toilet, all from American Standard. Install a programmable thermostat If your home’s thermostat predates Facebook, ally appealing for buyers, it also speaks to their more modern, a programmable thermostat helps it’s probably time to ditch the dial and install a sense of environmental responsibility. with energy efficiency — something that’s very touchpad programmable thermostat. Not only important to today’s homebuyers. The U.S. DeWhat’s more, upgrading to a faucet with hanwould a new thermostat help your home look partment of Energy says reducing your thermodles, instead of a knob-style operation, allows for stat setting by just 7-10 degrees for eight hours a easier functionality for people with varying deday can save you as much as 10 percent annually grees of dexterity, from small children to senior on energy bills. A programmable thermostat aucitizens. tomates the savings for you. Add a water filtration system in the kitchen Replace incandescent light bulbs Americans are more aware than ever of the If your home still has traditional lightbulbs, re- quality of water inside their homes, so adding a placing them with energy-saving LEDs or CFLs is filtration system can be an extra feature that apan easy way to improve your home’s overall enpeals to homebuyers. Simple under-sink filtration ergy efficiency. These bulbs use 25-80 percent less systems can cost as little as a couple hundred dolenergy than conventional bulbs and last three to lars. 25 times longer, according to the Department of Install a sun tube Energy. Imagine the appeal for homebuyers when Who doesn’t want a home filled with natural your selling agent mentions that light bulbs won’t light? Not only does sunlight deliver physical and need replacing for years after moving in. mental health benefits, using natural light can Upgrade the front door also help reduce dependence on artificial light Your home’s entrance is the feature that offisources that impact your energy bills. Sun tubes cially welcomes potential buyers into your humcan bring natural light into dark spaces, even ble abode. Replacing an old, weathered front door those on the ground floor. Do-it-yourselfers can with a new one creates a positive first impression. install this special reflective tubing for under What’s more, installing a steel entry door returns $500, while professional installation can run 90 percent of its value at the time of resale, accloser to $1,000. cording to Remodeling Magazine’s Cost vs. Value When you’re selling a house, every little bit Report. kITCHEN STyLE — Showcasing sleek, geometric styling helps, and upgrading small details can make a big and impressive functionality, the Edgewater semi-pro Put a water-efficient faucet in the bathroom difference in how potential buyers view your kitchen faucet with single-handle operation helps accomA great deal of water can be wasted in the bath- home. Go ahead, make these upgrades now, and plish kitchen tasks with ease. It pairs beautifully with the room, and the faucet can be one of the biggest cul- see potentially higher gains in the sale of your sleek, rectangular Edgewater double-bowl kitchen sink that prits. Replacing an older bathroom faucet with a home. features tapered, zero radius corners and premium 18modern water-conserving option is not only visugauge stainless steel construction.. — BPT
Real Estate Fall Showcase 2017
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OU R SE RV IC E I S T RU LY R E M A R K A BL E Expert knowledge of the region’s most unique and distinctive neighborhoods and enclaves. Exceptional responsiveness that anticipates your every need. Coldwell Banker 4FCBTUPQPM will will provide the dedicated, attentive service you truly deserve. Contact us today.
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Real Estate Fall Showcase 2017
A room-by-room guide to decluttering your home a cleaner, simpler home will make you feel healthier and happier, study says
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ontrolling clutter in your home can be a challenge; 48 percent of Americans say their houses are cluttered with stuff they don’t use anymore, according to a survey by ClearVoice Research. Multiple studies have found a cluttered home can negatively affect your mental and physical health, while a cleaner home can make you feel happier and healthier. A UCLA study found mothers in cluttered homes had higher stress levels while dealing with their stuff, while an Indiana University study found people with clean houses are healthier than those living in cluttered homes. You may realize clutter isn’t good for you, but it’s not always easy to get organized. To help you get started, here is a room-by-room guide to cutting the clutter: Entryway Decide what belongs in your entryway and what doesn’t. The size of the space will influence this decision. If your entryway is a spacious mudroom, you might choose to store shoes, boots, umbrellas and backpacks there. If you have a modest foyer, you may decide you only have room for car keys. Remove anything from the space that doesn’t help it serve its purpose in your home. Add storage/organization that helps the space meet its purpose. Wall-hung key racks can keep important keys at your fingertips. Shoe racks are available in a variety of sizes and styles to fit your space and decor while keeping footwear organized and off the floor. If space allows, adding built-in storage such as cabinets and shelves can help keep an entry space organized and visually appealing.
Photo courtesy Eddinger Enterprises
SooTHINg aND SLEEk — An uncluttered countertop with a striking floral arrangment can make a room feel larger.
room. Assess your family room furniture. Is it the right size for the space, or is it overwhelming the area? Replace overly large furnishings with ones that better fit the room. If you have the room for it, a Family room large shelving or cabinet unit can Assess the kind of clutter that help contain clutter. Add decorative builds up in your family room. Percontainers to help keep everyday haps your clutter consists of chilitems like toys, magazines and other dren’s toys, magazines and frequently used items organized on newspapers, or multiple remote con- shelves. trols for entertainment components. Once you know what kind of clutter Bathroom you’re collecting, decide if it beTackle the linen closet and trash longs and must be accommodated, any partial bottles of shampoo, or doesn’t and should go. tubes of toothpaste and towels that Add storage solutions specific to have seen better days. Be brutal. If your needs. For example, storage ot- you haven’t used that half bottle of tomans can double as extra seating body wash so far, chances are you and a place to store frequently used never will. toys. A caddy can keep remote conClean out your medicine cabinet. trols organized and at hand. Discarding expired prescription Sometimes furniture that’s too medicines can help reduce the risk large for a space can add to the feel- of someone accidentally taking the ing of a cluttered and congested wrong medication. Your local police
Real Estate Fall Showcase 2017
department will usually accept and properly dispose of unneeded medications. Showers can be among the most cluttered spots in a bathroom. If you’re ready to take your bathroom organization to the next level, ditch the rack hanging from your showerhead and the precarious corner shelving and upgrade your shower to one with built-in organization, like Sterling Store+ shower. The showers feature built-in recesses and tracks where you can snap in a variety of storage accessories and shelves, such as a soap dish, storage bin, towel bar or shower hook. The storage is fully customizable, and all accessories are removable and dishwasher safe. Kitchen Countertops frequently host a wealth of kitchen-related clutter, from the mail you brought in yesterday and forgot to go through to small appliances you use once or
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twice a year. Clearing off countertops can make a kitchen feel visually more appealing, look bigger and function better. Remove and store rarely used small appliances, ditch the ceramic container of utensils and store those items in drawers instead. Pantries and cabinets can be nearly as cluttered as countertops. Adding shelving and storage units within cabinets can help keep pots, pans, lids and dishware better organized and more easily accessible. Some people need a bit of extra incentive to stay organized. If that’s you, consider replacing solid cabinet doors with glass ones that reveal what’s inside. Knowing the contents of your cabinets are always on display can help inspire you to keep them tidy and organized. Plus, glass-front cabinets are an opportunity to create an appealing visual display. — BPT
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Real Estate Fall Showcase 2017