Wow your Sweetheart!
Wrap Up a Home at Sun Terrace for Valentine’s Day.
Gentlemen! It’s February! Wow your sweetheart for Valentine’s Day and get out of the doghouse and into a new Aho home today! Aho has new home construction just for you and your family! Come by the Aho Model Home in Mae Valley at 1204 Fairway Dr. in Moses Lake and see what we have in store for you! Office hours are weekdays from 11-5 and weekends from 12-4. Secure a lot hold today. Foundation to finish in 65 days!
(509) 989-3309
December’s calendar is chalk full of holidays – why not hang some lights around the house to say “Happy Holidays”? Before doing that, I would like to remind you to keep some safety tips while decorating for the holiday season.
No matter what decorations you choose remember to be safe. If you have any questions don’t hesitate to call me.
(509) 989-3309
Most buyers look at houses in the evening after work or on the weekends. Does your house show its best features during that time? Well planned outdoor lighting can help your potential buyers see all the wonderful features of your home that might be lost in the shadows during the evening. Great lighting also adds appeal to your neighborhood, provides safety and can add value to your home.
There are many different techniques to lighting and outdoor space here is a few:
Trees
Lighting the bottom of trees enhances their visibility and makes for stunning features.
Uplight
Highlight a great part of your property by facing lights up instead of down, this is an unexpected twist and catches the eye.
Focal Point
Light the entry; it should be welcoming and the main focus.
Beauty and Function
Lighting doesn’t have to be harsh. Light touches of lighting on walkways or around larger planters bring focus to lush plants and designer walkways.
Fixtures
Use a variety of fixtures to make a better presentation.
Warm Light
Warm white light is preferred for more designers as it showcases the property and its landscape, rather than creating a distracting light show.
Timing
A self setting timer is a nice way to bring your property to life and saving energy.
If you are planning on using a timer, I suggest you set the timer for an hour before sunset and to shut off after midnight.
If you have any questions about lighting and what would be best for your property call me today.
Freddie Mac released these findings in Mid-July. Even though consumers know the recession has made it difficult to secure their next or current home, there are many programs that the state of Washington has provided to assist those in need.
The average rate for 30-year fixed loans this week was 4.56%, down from 4.57% last week, mortgage company Freddie Mac said Thursday. That’s the lowest since Freddie Mac began tracking rates in 1971.
The last time home loan rates were lower was during the 1950s, when most mortgages lasted just 20 or 25 years.
The rate on the 15-year fixed loan dropped to 4.03%, down from 4.06% last week and the lowest on records dating back to 1991.
Rates have fallen since the spring. Investors worried about the European debt crisis have shifted money into the safety of Treasury bonds. That has forced those yields down. Mortgage rates tend to track yields on Treasury debt.
However, low rates have yet to spark home sales and refinancing activity remains moderate.
Sales of previously occupied homes fell in June and are expected to keep sinking. The National Association of Realtors said Thursday that last month’s sales fell 5.1% to a seasonally adjusted annual rate of 5.37 million.
The housing market stalled after federal tax credits for home buyers expired at the end of April. Home sales have dropped off, homebuilder confidence has waned and consumer sentiment is in the dumps.
It’s unlikely low mortgage rates will bolster housing. Rates have hovered near historic lows for more than a year, so many people have already taken advantage of them to buy or refinance a home.
And many of those who haven’t wouldn’t qualify for a loan. They either owe more than their homes are worth, have shaky credit or have lost their jobs.
To calculate the national average, Freddie Mac collects mortgage rates on Monday through Wednesday of each week from lenders around the country. Rates often fluctuate significantly, even within a given day.
Rates on five-year adjustable-rate mortgages averaged 3.79%, down from 3.85% a week earlier. Rates on one-year adjustable-rate mortgages fell to an average of 3.70% from 3.74%.
The rates do not include add-on fees known as points. One point is equal to 1% of the total loan amount. The nationwide fee for loans in Freddie Mac’s survey averaged 0.7 a point for 30-year, 15-year and 1-year loans. The average fee for 5-year loans was 0.6 of a point.”
(509) 989-3309
Mortgage applications to purchase homes rose 13 percent last week over the previous week on a seasonally adjusted basis, according to the Mortgage Bankers Association weekly survey.
This was the third consecutive week applications to purchase homes have increased, rising 24 percent compared to March. On an unadjusted basis, purchase applications increased 14.1 percent compared with the previous week and were up 10.3 percent from the same week a year ago. The MBA credited tax incentives for the increase.
More than 50 percent of the applications involved government-guaranteed loans, particularly those backed by the Federal Housing Administration, the highest level in 20 years, the MBA said.
Most mortgage rates declined compared to the previous week:
- 30-year fixed-rate mortgages decreased to 5.02 percent from 5.08 percent;
- 15-year fixed-rate mortgages decreased to 4.34 percent from 4.38 percent;
- 1-year ARMs remained unchanged at 7.03 percent.”
This is good news for everyone looking to purchase their first or next home…and for sellers, too! Let’s hope this continues! This is from the Mortgage Bankers Association.
Freddie Mac released the results of its Primary Mortgage Market Survey® (PMMS®) in which the 30-year fixed-rate mortgage (FRM) averaged 4.71 percent with an average 0.7 point for the week ending December 3, 2009, down from last week when it averaged 4.78 percent. One year ago, the 30-year FRM averaged 5.53 percent. The 30-year has never been this low since Freddie Mac began its weekly survey in 1971.
The 15-year FRM this week averaged 4.27 percent with an average 0.6 point, down from last week when it averaged 4.29 percent. A year ago at this time, the 15-year FRM averaged 5.77 percent. The 15-year FRM has never been this low since Freddie Mac started tracking it in 1991, and breaks the record low set last week.
The 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 4.19 percent this week, with an average 0.6 point, up slightly from last week when it averaged 4.18 percent. A year ago, the 5-year ARM averaged 5.77 percent.
The 1-year Treasury-indexed ARM averaged 4.25 percent this week with an average 0.6 point, down from last week when it averaged 4.35 percent. At this time last year, the 1-year ARM averaged 5.02 percent. The 1-year ARM has not been this low since the week ending June 30, 2005, when it averaged 4.24 percent.
Credit: National Association of Realtors Weekly Newsletter
