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Home Education – Portland, Oregon Real Estate Information
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Real Estate Investment Tip #14

Watch the Schools – You can find out valuable real estate investing information through the school system. For example, look at: http://www.greatschools.org/oregon/portland/ There are multiple sites like this that rank schools. There are sites that rank them also on how well students fare on tests in math and English (in which most informed parents will be very interested).

What does this have to do with investing? These areas are desirable to parents. And new home buyers that are also new parents will often consider this to be one of their top criteria in finding a home. The homes in these areas go up in value quickly and often sell quickly.

Contact Geoffrey Pohl for all of your real estate needs.


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Outdoor Space So Attractive, Your Smart Phone Pales by Comparison

Eighty percent of homebuyers say patios and decks are “essential” or “desirable” (source: “What Buyers Really Want” from the National Association of Home Builders).

Yet studies also show that the majority of home buyers do not use their backyard. Why? Digital devices of course.

Remember the good old days when children went outside to play because there wasn’t anything else to do? And then TV came along and our moms had to turn off the TV and give us a piercing glare to send us outside. Now there are video games, smart phones and tablets all vying to keep us indoors.

The fact is – your Mom was right. It’s much healthier for all of us to spend time outside and now you own a home with outside space. You no longer have Mom to encourage you to leave your home so you have to take matters into your own hands. What can you do?

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Real Estate Myth #5: Homes with Swimming Pools are Always Difficult to Sell

False. Yes, there are higher maintenance and utility costs. Buying a home, though, is often as much of an emotional decision as a logical one. And there are ways to make a pool more appealing, such as sliding a sturdy canopy over the top which can turn your pool into a safe, walkable patio. Removing your pool before you sell may not be necessary. Rather than cater to a market that doesn’t want your home, you can cater to the market that does. And many families feel a pool adds value to the home rather than detracting. Before making decisions such as removing your pool – consult an expert. Talk with your trusted Realtor.

Tip: if you are considering buying a walkable pool cover simply search on Google for “Guide to buying pool covers you can walk on.”

Contact Geoffrey Pohl for all of your real estate needs.


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Spring Prep – Part 2: Your Home

Spring is here and it is easy to get spring fever and forget our home ownership responsibilities. However, a quick check on your home in the spring might very well save you time and even large amounts of money. Here’s what you want to look at:

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Spring Prep – Part 1: Your Landscape

Preparing your landscape for summer before your yard spirals out of control can save you time and hassle. Here are some quick reminders:

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Top 10 Kid-Friendly Home Tips

Children. Change. Lives.

You may have seen the State Farm commercial recently with a father that says, “We’re never having kids.” Then, “we’re never moving to the suburbs.” Then, “We’re never having one of those (pointing to a mini-van).” And, of course, we see him move a little into the future after each statement and he is experiencing exactly what he said they would never experience. At the end of the commercial, he is sitting with his family of four on the couch, lights low, movie playing, everyone snuggled up together and he says, “I’m never letting go.”

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The Good News/Bad News About Flooring Options

The good news is that you have an array of options that is staggering. The raw material used to create your new floors ranges from old-fashioned hard woods to gin bottles, corn sugar, cork, bamboo and old wine barrels.

The bad news is that you have an array of options that is staggering. Trying to make a decision about which flooring works for which room can be daunting. In this article we will just have a quick overview of your choices and in later articles we will break down those choices and help you determine which flooring option work best in your situation.

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Two Heavy Hitters in Home Design – Which Will Win You Over?

When deciding on your future home, you have lots of decisions to make. But one of the most compelling decisions and the one you might want to start with is:

Modern or Traditional?

Now some might throw “Contemporary” into the mix and they would be right to do so. While some think Modern and Contemporary are the same there are some differences. But that is a discussion for a different article. In this article we want the champ and the best challenger to go head to head. And Modern and Traditional are the big hitters in 2015. Read More


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HOT Fireplace Trends of 2015

Why are fireplaces a hot topic (last pun – I promise) of conversation when buying or remodeling a home? The reason is that fireplaces are becoming the focal point of the “talking spot” within your house. Each house has an area where the family or guests gather to talk and enjoy each others company. Especially with the burgeoning technology that tends to pull us apart (cell phones, games, IPads, etc.) – more and more families are looking for technology that pulls us together. And now we have that technology encompassed in an age-old concept – the fireplace.

Courtesy of Gordon's Fireplace Shop

Courtesy of Gordon’s Fireplace Shop

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20 Energy Saving Ideas for Summer

That’s right – summer is coming. Fun in the warm sun. Fun in the outdoors. Fun on a picnic. Fun on a boat. Fun with high energy bills . . . wait, what? That’s not fun. But you know what? Maybe we can make it fun when that energy bill comes in much lower than expected. Here are 20 tips you can implement today:

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Will housing continue to recover?

Rueters recently reported that Home Depot posted its strongest-ever fourth quarter in terms of sales growth, driven by demand for home renovations, including paint, flooring and appliances. The pickup in home renovations can be explained in part by the improved financial position of many households over the past three months due to an improving jobs market and lower gasoline prices. To what is all of this data pointing?

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TurboTax of the Lending World?

Guess what is coming to Portland next? A company that claims to be able to accomplish with refinance loans what Turbo Tax accomplished with tax services.

The company is called Lenda. Mike Francis with the Oregonian reported on 02/25/15 that Lenda has just launched its service in Oregon.

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More Hot Trends of 2015

Today, we continue our look at the hottest real estate trends of the year. The third contender represents a trend in society where we see websites that allow you to take off-the-shelf legal documents to use for your business, off-the-shelf websites services with ready-made websites you can adapt to your personal or business use and now . . .

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Hot Trends in 2015

What is trending in real estate this year? What has everyone talking? Let’s take a look.

In real estate, trends are slow to arrive and they often hit commercial spaces first. And though they may entice buyers and sellers, it is worth remembering that trends are just that – trends. They might stay awhile, they might not. But while they are here they certainly are appealing and create a buzz – and when selling a home a buzz certainly doesn’t hurt. In this post, we will look at the first two:

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Real Estate Myth #2

Real Estate Myth #2: Even when the housing market recovers, home price growth will be only 4 to 6 percent per year — much less than historical average returns for the stock market.

Lawrence Yun, Chief Economist of the National Association of realtors addresses this myth and helps to debunk it. Most buyers put less than 20 percent of their own money into a home purchase; this borrowing power can translate to a greater rate of return. This is how Yun explains it: Home price appreciation historically has been about 1 to 2 percentage points higher than consumer price inflation, which translates into about 4 to 6 percent per year. But this growth rate cannot be viewed as a rate of return like the stock market. The reason is that most people do not buy a home for all cash, instead making a cash down payment and borrowing the rest. The leverage this borrowing creates can magnify returns — and losses. If price growth returns to historic norms, the price growth of 4 percent can easily turn into 20 to 30 percent rate of return if the home buyer makes a down payment of 10 or 20 percent. Conclusion: make sure you understand your real return on your what you are investing (your monthly mortgage), factoring in tax advantages as well.

  • Geoffrey Pohl, expert on Portland real estate and Portland

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Want to Add Value to Your Home?

The Portland real estate market is appreciating so here are ten ways to increase the value of your home. Some will be easy and some more complicated but use your budget accordingly to gain the highest dollar value sale.

1. Clean and Declutter. Increase your homes inside square footage … visually that is. You would be surprised at how often this is overlooked. I  always tell my clients to pack first and commit to the sale. Removing the wall of family photos, the collections of horses or pigs or cows, and the extra furniture will go along ways towards giving it a larger cleaner look and feel.

To Read More


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Radon…in Portland?

Do you live in Portland? Do you live in a radon hot zone? Have you heard that radon is the number two cause of lung cancer and your really freaked out? Yes there are studies that show that certain areas of Portland have high radon levels compared with the entire country and yes there can be cause for real concern. If you smoke or have lung issues and your home has a high exposure to radon it’s going to increase your likelihood that you’ll have a problem too. Freaked out yet? Want the good news? Ok the good news is first and foremost if there is a problem it can be remedied. Radon is one of those issues where your home could have very high levels but your neighbors home might not have any at all. What do you do now, you ask? First, get some tests completed by professionals to see if you have a problem. You can call any radon inspection company and for $150 they’ll come out and put equipment in your home for 48-96 hours testing the radon exposure. You’ll need to keep the doors and windows shut the majority of time so a good time to do it is just before a vacation or extended weekend.  You can also buy different kits at Home Depot as well. If the results are deemed unsafe when compared to EPA (Environmental Protection Agency) or the World Health Organization standards, then you have options. There are many radon remediation companies out there that will help to eliminate or reduce the radon in your home. They will put special equipment in your basement or home to get the radon out of your home. Then they will retest the home after so you’ll see the differences.

To catch more of the Portland Tribune article click here


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What’s The Deal With My Old Woodstove?

As of August 1, 2010 There is a new Oregon law that requires removal of uncertified woodstoves when selling a home. In 2009 the Oregon Legislature signed Senate Bill 102 into law which requires the removal of uncertified woodstove from a home when it is         sold. The law is supposed to protect Oregonians from uncontrolled wood smoke. The fear is that residential wood burning is a significant source of air pollution, which includes fine particulate and air toxics.  As the homeowner you are required to destroy this device.

Here is the DEQ’s fact sheet.

Here is a list of the EPA certified woodstoves and fireplace inserts.

Here is a list of the DEQ certified woodstoves and fireplace inserts.

For frequently asked questions on the new Oregon policy please check out the  Oregon DEQ FAQ here.

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How Can Community Organizers Help?

Community Organizers and Volunteers’ goal is to increase property values and they create the sayings like “you didn’t just buy a home, you bought a stake in the neighborhood”. When people move into the neighborhood the community organizers give the residents the expectation that they need to do more to help the neighborhood. When they push the residents to keep their properties up to date and clean it causes a chain reaction and establishes pride within the community as well as the individuals and neighbors. Community organizers know that everything is incremental. This work does not happen over night it takes years of consistent pressure and volunteerism to make a neighborhood attractive.

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Community Workshops: What are they and what do they accomplish?

A community workshop helps residents to learn how to replace the common problems that the neighborhood homes face. For example, if a neighborhood in Portland has stucco siding than over time that stucco siding will look horrific with the Northwest weather. So if the community gets together and gets a contractor to teach the homeowners how to best clean their siding or what is the best paint to use so that the siding doesn’t mildew and stain than not only will each resident be knowledgeable about how to best take care of their siding but many residents will meet the contractors that know how to take care of the problem and could get a bulk discount for work. When a few families start cleaning or replacing their problem siding than it makes the neighborhood like nicer and ultimately puts pressure on those that still have the ugly old siding to replace theirs next. Nobody wants to have the ugliest house in the neighborhood. They get the residents talking and networking and helping in each in community. Momentum is everything in a neighborhood. People want to be proud of where they live and want their values to increase so these community workshops are instrumental keeping a community strong and vibrant.

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How Can Putting On Events In Your Community Increase Demand and Increase Values?

What does putting on events do for a community? If there are events taking place in a neighborhood people are more apt to take care of their properties and lawns which ends up encouraging other to do the same. When outside people come to the neighborhood they notice that the neighborhood is kept up and clean. In addition when newcomers visit it plants a seed about the reputation and quality of the residents as well as puts the homes on display. People want to live in a fun and welcoming community so putting on these events gives life to a quiet or drooping neighborhood. People want to have fun and these events help the residents meet each other as well as network with others who have in interest in keeping the neighborhood strong. When a neighborhood is personable people work and try harder to keep it great.

Here are some examples of events you can put on in your neighborhood:

1. Wine tasting

2. Dog shows

3. Poker nights and card games

4. Community garage sales

5. Neighborhood home tours

6. Rehab neighborhood tours

7. Poetry and book readings

8. Potluck dinners

9. Plant swapping

10. Block parties

11. Community workshops

12. Hair fashion shows

13. Kids play times and summer games

14. Blood pressure screening

15. Donating blood to the American Red Cross

16. School supply giveaways

17. Donating Christmas trees or clothing to boy scouts

18. Buying girl scout cookies

19. Garden tours of the neighbors

20. Live music

21. Seasonal festivities

22. Window box displays.

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Hot Off The Press: Obama Administration Announces Plan for State and Local Governments Finance Agencies

This program was created to increase the finances of working families and allow them to have more access to affordable rental housing as well as home ownership. Washington says it will have great long term effect and have little to no cost to the taxpayer.

Furthermore this program stimulates low mortgage rates and helps low and middle income borrowers to purchase or rent affordable homes for the long haul. This initiative is divided into two separate parts, the bond purchase program and the program to facilitate liquidity. The bond purchase supports new lending. The temporary credit improves access of the Housing Finance Agency (HFA) to liquidity for HFA bonds.

The Department of the Treasury and HUD, together with the Federal Housing Finance Agency (FHFA), Fannie Mae, and Freddie Mac, have developed this initiative to maintain the viability of HFA lending programs and their infrastructure. The two main aspects of this initiative are:

1. New Issue Bond Program. This program will provide temporary financing for HFAs to issue new mortgage revenue bonds. Using authority under the Housing and Economic Recovery Act of 2008 (HERA), Treasury will purchase securities of Fannie Mae and Freddie Mac backed by these new mortgage revenue bonds. The program can support several hundred thousand new mortgages to first-time homebuyers this coming year, as well as refinancing opportunities to put at-risk but responsible and performing borrowers into more sustainable mortgages. The new bond issuance will also support development of tens of thousands of new rental housing units for working families.

2. Temporary Credit and Liquidity Program (TCLP). Fannie Mae and Freddie Mac will provide replacement credit and liquidity facilities available to HFAs that will help reduce the costs of maintaining existing financing for the HFAs. The agreements will serve to help relieve financial strains experienced by HFAs and enable them to continue their important work. Treasury will backstop the GSE replacement credit and liquidity facilities for the HFAs by purchasing an interest in them using HERA authority.

In regards to the tax payer having little effect here is what the white house press release said in their statement. “Pricing under the program will reflect both the cost of any financing required by Treasury as well as a fee designed to cover any risk posed by the HFA. While there is risk that losses could exceed estimates, the fee schedule Treasury has adopted is designed to cover net losses under most stressed conditions and thus would minimize risk to the taxpayer.”

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Understanding Your Mortgage Statement

The Making Home Affordable Website provides a good example of a what a mortgage statement is. Click here to see a copy of a typical mortgage statement and what everything means.

Below are some key terms in the mortgage and real estate business organized alphabetically. For further clarifications on any of these terms please feel free to e-mail me at info@pohlrealestate.com.

Amortization — the process of paying off a debt by making regular installment payments over a set period of time, at the end of which the loan balance is zero.

Balloon Mortgage — a mortgage loan that requires a large payment due upon maturity (for example , at the end of ten years).

Collections — the efforts a lender takes to collect past due payments.

Convertible ARM — is an Adjustable Rate Mortgage loan that can be converted into a fixed-rate mortgage during a certain time period.

Deed — a legal document under which ownership of a property is conveyed.

Deferred Payments —loan payments that are authorized to be postponed as part of a workout process to avoid foreclosure.

Delinquency — failure to make a payment when it is due. A loan is generally considered delinquent when it is 30 or more days past due.

Equity — ownership interest in a property after liabilities are deducted.

Escrow Account —an account where a homeowner’s regular installments to cover taxes and home insurance are held in trust until due.

Escrow Analysis — a periodic review of escrow accounts to make sure that there are sufficient funds to pay the taxes and insurance on a home when they are due.

Fixed-Rate Mortgage — a mortgage loan with a fixed interest rate that remains the same for the life of the loan.

Forbearance — the lender’s postponement of legal action when a borrower is delinquent. It is usually granted when a borrower makes satisfactory arrangements to bring the overdue mortgage payments up to date.

Foreclosure — the legal process by which a property may be sold and the proceeds of the sale applied to the mortgage debt. A foreclosure occurs when the loan becomes delinquent because payments have not been made or when the borrower is in default for a reason other than the failure to make timely mortgage payments.

Foreclosure Prevention — steps by which the servicer works with the borrower to find a permanent solution to resolve an existing or impending loan delinquency.

Hazard Insurance — insurance that is generally required under mortgage contracts to pay for loss or damage to a person’s home or property.

Home Equity Line of Credit — a way of borrowing money against the equity in one’s home to pay for things such as home repairs, college education, or other personal uses.

Interest-Only Mortgage — a mortgage where the borrower pays only the interest and none of the outstanding principal balance on a loan for a specified amount of time.

Investment Property — a property not considered to be a primary residence that is purchased in order to generate income, profit from appreciation, or take advantage of certain tax benefits.

Lender Placed Insurance — insurance placed on a home or property by a lender to protect their interest in the collateral which secures the loan.

Mortgage Insurance — insurance that protects lenders against losses caused by a borrower’s default on a mortgage loan. Mortgage insurance (or MI) typically is required if the borrower’s down payment is less than 20% of the purchase price.

Mortgage — a legal document that pledges property to a lender as security for the repayment of the loan. The term is also used to refer to the loan itself.

Refinance — the process of replacing an existing mortgage with a new one by paying off the existing debt with a new, loan under different terms.

Repayment Plan — a borrower promises to pay down past due amounts on a mortgage while continuing to make regular monthly payments on a home.

Servicer — a firm that works on behalf of the lender in support of a mortgage, including collecting mortgage payments, ensuring payment of taxes and insurance, managing escrow accounts, managing communications with the borrower, and loss mitigation or foreclosure when necessary.

Title — the documented evidence that a person or organization has ownership of real property.

Work Out — a way to resolve or restructure a loan to prevent someone from going into foreclosure through a loan modification, forbearance or short sale.

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Thinking about buying a new home, but have a ton of questions?

We’ve put together some great questions to ask yourself if you are in the market to buy a new home. Visit our website for all the great resources during your home buying process!

Questions to Ask When Considering Buying a Home.


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