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Future’s So Bright! S


ummer solstice officially kicks us into summer. Now that day- light is stretching in to the evening, we have more time to see homes at their brightest. With more daylight filling the days, everyone feels more energized, and less stressed.


Whether


you are planning to buy your first home or making that move-up, Summer is prime home-buying season. So, em- brace the light! Along with the weather, the housing market has been hot! Home values have been spiking in almost every cor- ner of the county. The steady economic pressure that was pushing interest rates up last summer, has taken a reprieve for now.


Interest rates are at


levels last seen in 2016. Pric- ing of a houses have several


Upbeat Home & Real Estate by Barry O'Meara of Santa Rosa, CA • barryo@stearns.com


factors in play; from supply and demand, to affordability. Of course, a seller wants top dollar, but interest rate plays a major role in making a home affordable.


When a seller puts their home on the market, there is ex- citement as well as


anxiety. If the offers don’t fly in, then anxiety kicks in. This is when the seller sees room to move on price. It is


in the market a d j u st - ment, that we find


comparable sales to support the value. If you are a first-time home-


buyer, there are several pro- grams to take advantage of, which


require little down


payment. There is no need to save up a full 20% for a down payment. A down payment can be as low as 3%, and all the funds can be a gift. Owning a home is a great


dation for your future. Recently, I worked with an agent who structured an offer, so that the seller credited the buyer 6% of the sales price. Three percent was enough to cover their closing costs and we used the remaining 3% to buy down the rate. This al- lowed the buyer to lower the payment enough to qualify for the loan, and the seller got the price they wanted. Building the credit into your price is a


creative way to finance closing costs. way to a a f f o r d -


ability. Buyers can creatively make the home affordable by asking for seller credit, and then use that credit to buy the interest rate down. We are still at a point where there are


your family, and build foundation


set roots, raise for


creating


wealth. Each month your payment goes towards pay- ing down your principal, and building equity.


Owning a


home gives you a sense of pride and strengthens our communities. It is the foun-


We have Positive Solutions to


Unforeseen Interruptions! From time to time mini fender benders and accidents occur when you least expect them. And they do happen. We are a positive solution to these annoying interruptions. We hope you don’t have to call us. But if you do... We’ll be ready!


Buyers, sellers, realtors, and lenders do not have a crystal ball to know what the future holds. Act on what you have in front of you now.


Weird Facts & Fun Trivia - 6


August 28th is National Cherry Turnover Day.


September 24th is National Cherries Jubilee Day.


The English colonists brought cherries to North America in the 1600’s.


On average, there are about 44 cherries in one pound. In an average crop year, a sweet cherry tree will produce 800 cherries.


Two pounds of apples make one 9-inch pie.


Hind


sight is 20/20. Dwelling on the past can keep you from enjoying the present. Not acting, could keep you from building wealth in your fu- ture. So, plan for your future, and do it now while rates are low. Your future so bright, you’re going to need shades!


Apple blossom is the state flower of Michigan.


2,500 varieties of apples are grown in the United States.


7,500 varieties of apples are grown throughout the world.


Life is just a bowl of cherries, don't take it serious, its mysterious. Life is just a bowl of cherries, so live and laugh and laugh at love, love a laugh, laugh


Now & Then... Pg 26 • JULY 2019 • UPBEAT TIMES, INC.


5800 Guerneville Rd Sebastopol • 829-2477


and love. Bob Fosse


You can't stop getting older; you just have to keep going and laugh a lot. ~ Anita Dobson


The Mortgage Coach


B. O’Meara


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