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Property Taxes… the elephant in the room

taxesProperty Taxes…the elephant in the room
Home Buyer & Seller education & classes
 
Upcoming Free (& non-promotional) Home Buyer Classes:
 
Saturday, March 17th, from 12pm-3pm (ish)
Vancouver YMCA
11324 NE 51st Circle, Vancouver WA (corner of SR 503 & 112th Ave/Gher Road)
 
Monday, March 26th, from 5pm-8pm (ish)
Marshall Community Center, conference room
1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)
 
Saturday, April 14th, from 9am-12pm (ish)
Marshall Community Center, conference room
1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)
 
 
 
If these class dates and/or times don’t work for you, please let us know. We understand that you have lives, and families, and work. We will work something out that works better with your schedule. Just let us know….
….we also have Home SELLER classes available too…link on left on website
Remember…with reservation…we will throw in lunch, or dinner
 
 
Happy Monday after Daylight Savings time… aka… National Napping Day (never mind.. it is Tuesday. I took a nap instead yesterday)
 
Ok… surprise… we are going off topic *gasp*, but I am going to take a moment to talk about the one thing that has people up in arms right now… at least, all over Facebook… Property Taxes (insert scare music here). As you know from previous posts, a mortgage payment is one payment for you, but then it is broke down into payments within that payment. There’s your actual loan amount with interest. Your interest rate doesn’t change (unless you refinance), so this amount is always the same, but over the course of your home ownership you pay less on interest and more towards principal. You pay the most in interest upfront. Most folks also have some mortgage insurance and this is the cost to secure the loan….it protects the lender. Then there is the amount that goes into your ‘escrow’ account. From your escrow account is paid your homeowners/hazard insurance (flood insurance if you have it will be paid from here too), and the amount that goes toward paying your property taxes. The amount needed in your escrow account to pay these items can change, and as it does, your monthly mortgage payment will change too.
 
Property tax payment dates are weird…. they’re due on April 1 (pay period from January 1 thru June 30), and again on October 1 (pay period from July 1 thru December 31). They can be paid in full on April 1, or split with 1/2 due on April 1, and half due on October 1. I’ve seen escrow statements with either option paid by the bank.
Every year your escrow company will assess your escrow account to make sure you have enough in there, or that you have enough projected to come in via your monthly payments, to pay your insurance and taxes. If you have too much (in a declining market), you will receive a check with the option to mail it back and your payments become XX amount, or to keep the check and your payments will be XX amount….or… (and this is the case for the past couple of years now), it is projected by your escrow company that you will NOT have enough and you have one of two options … you can send a check to the escrow company and your payment will be XX, or you can increase your monthly payments to XXX to cover the difference.
 
Every year the Clark County Assessors assess the value of the home for taxes. As your home value increases, so do your property taxes. One thing to note is that they will use information that is available based on sales average from a year or so ago for that area. This is not current information. Tax assessed value is not market value… I will repeat… TAX ASSESSED VALUE IS NOT MARKET VALUE. We are in an escalating market… (aka sellers market), and home values are still going up. This is why tax assessed value is not market value because the market is always moving and changing…ebbing and flowing… and your taxes are the same for that period.
 
“For every pro…there is a con, and for every con…there is a pro” (I will give a gift card to the person who can tell me what song that line is from) ….while this is a fun song from one of my favorite Disney movies (hint, hint) it is true nonetheless. As your market value increases, so do your property taxes, and as the market declines and values go down, so will your taxes. As your market value increases, so does the amount you need to insure your home against catastrophe and calamity, so you might want to be prepared for that.
 
It really is a case of, ‘you can’t have your cake and eat it too’…. everyone loves it when their home values go up, but no one likes it when their property taxes do. Everyone hates it when they see their home values go down…but they like it when their taxes do. Sigh…. can’t win for losing, right?
 
Be prepared though… as home values increased significantly again last year (2017), taxes will go up again next year. The higher values jump in a year… so do your property taxes.
 
I’m always available to answer your questions, so feel free to reach out to me anytime. 🙂
 
 
……and don’t forget to email me your photos for the Client Appreciation 2018 Calendar!
 
Information is power, and I hope that I am able to help you. Good luck, and as always…May the odds be ever in your favor out there…. AND If you are looking for a real estate agent, I would love to be able to help you.
 
As always….this is just a quick overview…. again…and I can’t say this enough…please remember that your agent is NOT a salesperson, and should not be acting like one. Real Estate is not really about houses, it is about relationships. Your agent, and your lender work for YOU. You drive the bus…we are merely GPS to help you get to your goals. Like the classes, this weekly blog email is to help you with your home adventure. The goal is to be informative and non-promotional. 🙂 All home buying adventures should START with the Home Buyer Education Classes. Don’t talk to lenders/agents until after the classes so you know the questions to ask, what all the paperwork means, and fully understand the process. As always…the classes are Free and Non-Promotional. We are not there to promote ourselves, or any ‘special’ agenda like some classes, and while we certainly hope you will call Chris or I, or both of us, to help with your home buying adventure, that certainly isn’t the main focus of the classes. If you have any questions about this, or something you have heard… or if you would like me to assist you with your home adventure… please call, email, or text. We are here to help.
 
 
Thank you again for your business and your referrals!! …and thank you for referring these classes to your friends, family, and co-workers.
. ..disclaimer…if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings…
Upcoming Topics: What happens after an offer is made?
Last Week: ‘hidden’ costs & fees of buying a home….
 
Have a great day, and I will talk to you soon,
;-D
Tracie DeMars
Real Estate broker
Re/Max – Van Mall
360/ 903-3504 cell
360/ 882-3600 fax
www.traciedemars.com
traciedemars@aol.com
“Interested in free and non promotional home education classes? Go to www.freehomebuyerclasses.com for local upcoming home buyer and home SELLER classes, or facebook: Tracie DeMars Real Estate for my home buyer education blog.”
 
“Listen to the mustn’ts, child. Listen to the don’ts. Listen to the shouldn’ts, the impossibles, the won’ts. Listen to the never haves, then listen close to me… Anything can happen, child. Anything can be.”
– Shel Silverstein, American poet, cartoonist and composer, (1930 – 1999).

Fees & costs of buying a home… and some you might not think of…

flying money

Upcoming Free (& non-promotional) Home Buyer Classes:
Saturday, March 3rd, from 9am-12pm (ish)
Marshall Community Center, conference room
1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) 
Thursday, March 8th, from 5pm-8pm (ish)
Marshall Community Center, conference room
1009 E. McLoughline Blvd, Vancouver WA (kitty corner from Clark College)

Saturday, March 17th, from 12pm-3pm (ish)
Vancouver YMCA
11324 NE 51st Circle, Vancouver WA (corner of SR 503 & 112th Ave/Gher Road)

If these class dates and/or times don’t work for you, please let us know.  We understand that you have lives, and families, and work.  We will work something out that works better with your schedule.  Just let us know….                                                                                  
….we also have home seller classes available too…link on left on website                  
Remember…with reservation…we will throw in lunch, or dinner
Happy Sunday evening….or Monday Morning…depending on when you see this.  🙂

Just a reminder that I am looking for your pictures for a 2019 calendar.  At the Client Appreciation event this December, we are going to offer a calendar for this next
year, but we don’t want to just put together the boring, standard calendar with the pictures that everyone has…. we want our calendar to be yours… with your pictures.  So, email me your pictures… going hiking?  Send the picture.  This past week of snow?  Where’s the picture?  Going to a fun local event?… send us a picture.  See a beautiful sunrise?  a stunning sunset?  something that just takes your breath away?  Email me those photos to traciedemars@aol.com.  I will put them on the ‘Tracie DeMars Real Estate’ facebook page, and those pictures with the most ‘likes’ will get put into the calendar, and the sender of the winning photo gets a gift card out of my ‘gift card stash’.
 
Talking about that Snow this past week… how weird was that?  It’s like Mother Nature was ‘late’ this winter and was like, “oh, we’re good now… here’s winter”.  I, for one, am glad to see rain now….weird, sideways waving rain like I have had today at my house…maybe not so much.  😀  So, what to talk about this week?  I know that I am ‘supposed’ to talk about what happens after the offer, but … I am not really that good at doing what I am ‘supposed’ to do…  😉
 
Well, the best laid plans of mice and men are always waylaid…right?   I seem to be running behind but I am determined to get this out to you!  As I’m sure you have read….the real estate market is a bit crazy right now, and most of that is because of rising interest rates, and the low inventory of homes.  I, as well as other agents, do see some change coming…  many agents I talk to have homes that will be coming on the market soon, as do I.  With homes selling so quickly, many people wanted to wait until closer to the end of the school year to put their homes on the market. So, hang in there! 
  While showing homes, we go over lots of ‘little’ things that otherwise people don’t think about.  Some of these items are the ‘hidden’ costs of buying a home….those things that you weren’t planning on, but probably should be.    Not too long ago, I was on one of the facebook swap/free/sale sites, and I was reading how some people were upset with the home buying process and the ‘hidden’ fees they weren’t told about.  It is true that there are a LOT of fees and other expenses involved with buying a home.  The point of these blogs, and of course, the home buyer classes is to give folks this information.  There shouldn’t be anything ‘hidden’ about the home buying process.  As you know, I am a big fan of not sugarcoating anything….I believe that an ugly truth is better than a pretty lie every day of the week.  You might not always like what I have to say (and that is ok), but I am not going to hold anything back from you on the off chance you might not ask me to help you buy, or sell, your home.  Personally I don’t just want to hear about the ‘good’ things about a loan, or process….I want to hear it all…the good, the bad, and the ugly, so that I can make the best decision for me and my family based on the pros and the cons….not just the good.  So….yes, I am not going to just agree with what you read on the internet, saw on HGTV, or heard from your direct and personal circle….I am going to give you the pros and cons because this is YOUR home buying (or selling) adventure, and YOU need to make the decisions.  My job is to help you find, and have, all the information I can get you so that you can make those choices based on a full picture….not just half of one.  

   That all being said, let’s talk about the fees you can expect and some ones you might not.  I am not including down payment, or closing costs as part of this.  That will be an email in the upcoming week(s).  These are mainly fees associated with buying a home.  If you are thinking about selling a home, or know someone who is, there are some fees you need to be aware of as well.  I will post that on my facebook page at:  Tracie DeMars Real Estate, or you can contact me.  I am, as always, happy to help!
So what fees can you  expect?  There are three fees that will be needed upfront.  
Earnest Money
….earnest money is typically about $1000- $2000, but the more expensive the home means the more earnest money you will need.   Some banks (& builders) can request 1%-3% of the purchase price for earnest money.  With a bank owned property the bank will want a cashiers check.  With a regular sale, a personal check is fine.  The earnest money is deliverable upon acceptance of the offer, and not when the offer is written.  The earnest money is always made out to the title company and is refundable based upon the 4 legal reasons to back out.
 
Inspection
…the inspection is ordered after the offer is accepted.  Remember that the inspection cost is approximately $350, and is non-refundable. You, as the buyer, will hire the inspector and they work for you.  You have 10 calendar days to have the inspection done, and respond to the seller.  Don’t wait until the last minute!  Both you, as the buyer, and your buyers agent should be at the home inspection.  A typical appraisal is about 2-3 hours long.  Make sure the fee includes the dry rot and pest report….
 
 Appraisal
…the appraisal is ordered by the lender, and the lender will put in the order for the appraisal.  An appraiser comes out to the home to verify the homes value for the bank.  The bank will only lend the dollar amount that the appraiser says the home is worth.  An average appraisal costs about $600 -/+ dollars, and is paid for by the buyer.  This is another non-refundable fee.  Neither you, nor your agent, will be present at the appraisal.  With the new laws that took effect a couple years ago, neither agent, nor anyone involved in the sale are supposed to have contact with the appraiser for fear we might ‘taint’ the appraisal, or affect the numbers. 
 
If you are buying a home with a well then there may an additional fee for the well testing.  You don’t have to do that, but as a real estate agent, I would definitely advise you to do it.  Some other inspections that a buyer can have done (at their cost) are a sewer scope & a radon test.  A sewer scope is where they send a camera down the toilet to make sure the sewer lines are open, and a radon test is a company checks for radon levels in the home.  This is always a good idea if you are considering a home with a basement.  The radon test can take 3-5 days.  Again, these inspections are at a buyers expense.
These are the only fees a buyer should see before closing.  Being told another fee?  Call, text, or email me… 
Other fees?
Changing out locks
…I always advise my clients to change out the locks of their new homes.  Why?  Well, even if the sellers give you all the keys they have…there is not guarantee that there isn’t more keys running around somewhere.  I used to change out my house locks every couple of years because my kids were always losing keys.  Finally….last year… I went and purchased the the house locks that have the key pad.  It is awesome!!  I don’t worry about lost keys anymore.  Every family member has a code, and what is the best is that I can add and delete codes as needed.  So…go away for a couple of days, and have a house sitter?  Give them a code,and when you get back you simply delete the code. I tell you….worth it!  
Mailbox key
…yes, legally you are not supposed to copy the mailbox key, but a lot of people do.  Mail is not something you want to mess with.  Take your HUD form down to the post office, and have them re-key the box, and get a new key.  Cost is about $75, but for peace of mind…that isn’t much.  
Paint
…you will probably want to paint some, or all, the rooms of your new home.  Each gallon of paint runs about $25.
Minor repairs
…during the home inspection the inspector will probably point out some minor cosmetic repairs that will need to be done with your new home.  Remember that, at the home inspection, we are looking for any repairs that will affect the safety of the home, or occupants…or anything that may need a contractor to repair.  All homes have some repairs that will need to be done by the (new) homeowner….it is part of being a homeowner.  Don’t forget that the worst thing a homeowner can do is to defer maintenance.
Lawn supplies
…did you come from an apartment?  Well, most likely now you have a yard.  You will need a lawnmower to start with.  There will be other lawn equipment that will follow…weed eaters, trimmers, wheel barrels, shovels, and a myriad other things that come with having a yard.  
Appliances
…don’t forget that washer, dryer, and fridges don’t come with the home.  If you don’t already have these appliances then you may also be purchasing a washer, dryer, and/or a fridge.
Curtains/Blinds
…if your new home doesn’t already have some then this may be on your ‘to buy’ list.  Sometimes even if your home does have some, you may want new ones.  
House Cleaner/Carpet Cleaner
…when a home is vacant you know exactly what you’re going to be walking into when your buyers agent (hopefully me LOL) gives you keys, but… when the home is owner occupied, you don’t.  Yes, you can and will do a walk thru of the home before closing, but it will still be occupied.  In many cases, when the home is owner occupied the (soon to be) previous owner doesn’t vacate the property until day of closing, or sometimes even a couple of days after closing.  With cases like this, you really don’t know what condition the home will be upon closing.  We have to have faith that the (soon to be) previous owner will leave the home in a clean condition, but sometimes…well, sometimes, they don’t.  Also, one persons idea of clean is not another persons idea of ‘clean’.  🙂  Many times, whether the home is vacant or owner occupied, a buyer will book a professional carpet cleaning, or house cleaning after closing….simply for peace of mind.  
Insurance
…wait..you already have insurance, don’t you?  Well…yes, you have mortgage insurance, title insurance, and homeowners insurance, but what about earthquake insurance?  You don’t…  
When I purchased my home my homeowners insurance included earthquake insurance.  About 10 years ago though we received a letter that no longer would homeowners insurance include earthquake insurance….why?  Because we live in the #1 high danger area for earthquakes.  Because of that earthquake insurance must now be purchased separately.  So, AFTER you buy your home, call your insurance company and add on earthquake insurance.  Cost isn’t too much, but it is important….just in case.  
Toilet Seats
  Yeah, I know you probably didn’t think of that, but really….if it were me, I would change out the toilet seats when you buy your new home.  Why? Well, since now you are thinking about it….I’m sure you can see why.  LOL  Toilet seats are not expensive, and really…having new seats just makes you feel better!  😀 
  

Information is power, and I hope that I am able to help you.  Good luck, and as always…May the odds be ever in your favor out there….  AND If you are looking for a real estate agent, I would love to be able to help you.                                                                       
 
    As always….this is just a quick overview…. again…and I can’t say this enough…please remember that your agent is NOT a salesperson, and should not be acting like one.  Real Estate is not really about houses, it is about relationships.  Your agent, and your lender work for YOU.  You drive the bus…we are merely GPS to help you get to your goals.  Like the classes, this weekly blog email is to help you with your home adventure.  The goal is to be informative and non-promotional.  🙂  All home buying adventures should START with the Home Buyer Education Classes. Don’t talk to lenders/agents until after the classes so you know the questions to ask, what all the paperwork means, and fully understand the process.  As always…the classes are Free and Non-Promotional.  We are not there to promote ourselves, or any ‘special’ agenda like some classes, and while we certainly hope you will call Chris or I, or both of us, to help with your home buying adventure, that certainly isn’t the main focus of the classes.  If you have any questions about this, or something you have heard… or if you would like me to assist you with your home adventure… please call, email, or text.  We are here to help.   
Thank you again for your business and your referrals!!  …and thank you for referring these classes to your friends, family, and co-workers. 
 
 .   ..disclaimer…if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings… 
 
 
Upcoming Topics: What happens after an offer is made?
Last Week:  When is a pre-approval a pre-approval, and when isn’t it?
 
Have a great day, and I will talk to you soon,
;-D
Tracie DeMars
Real Estate broker 
Re/Max – Van Mall
360/ 903-3504 cell
360/ 882-3600 fax
www.traciedemars.com
traciedemars@aol.com

“Interested in free and non promotional home education classes?  Go to www.freehomebuyerclasses.com for local upcoming home buyer and home SELLER classes, or facebook: Tracie DeMars Real Estate for my home buyer education blog.”

“Listen to the mustn’ts, child. Listen to the don’ts. Listen to the shouldn’ts, the impossibles, the won’ts. Listen to the never haves, then listen close to me… Anything can happen, child. Anything can be.”
– Shel Silverstein, American poet, cartoonist and composer, (1930 – 1999).

When is a pre-approval a pre-approval…and when isn’t it?

Upcoming Free (& non-promotional) Home Buyer Classes:
Saturday February 24th , from 11am – 2pm (ish)
        Vancouver YMCA, conference room
       11324 NE 51st Cir, Vancouver WA (off SR500 at 112th St & Gher Road)

Saturday, March 3rd, from 9am-12pm (ish)
Marshall Community Center, conference room
1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)

If these class dates and/or times don’t work for you, please let us know.  We understand that you have lives, and families, and work.  We will work something out that works better with your schedule.  Just let us know….
….we also have home seller classes available too…link on left on website
Remember…with reservation…we will throw in lunch, or dinner


Happy Sunday evening….or Monday Morning…depending on when you see this.  🙂

I want to start this week asking for YOUR pictures for a 2019 calendar.  At the Client Appreciation event this December, we are going to offer a calendar for this next
year, but we don’t want to just put together the boring, standard calendar with the pictures that everyone has…. we want our calendar to be yours… with your pictures.  So, email me your pictures… going hiking?  Send the picture.  Going to a fun local event?… send us a picture.  See a beautiful sunrise?  a stunning sunset?  something that just takes your breath away?  Email me those photos to traciedemars@aol.com.  I will put them on the ‘Tracie DeMars Real Estate’ facebook page, and those pictures with the most ‘likes’ will get put into the calendar, and the sender of the winning photo gets a gift card out of my ‘gift card stash’.

So, what to talk about this week?  How about the current market pretty quick?  

  The market is pretty crazy pretty early this year.  The mild winter seems to have brought on the ‘homebuying season’ earlier this year.  Last year, the market didn’t get crazy until mid-April, and we had a pretty hard winter.  What we also seem to have this year (as early as it is) is some volatility with the interest rates, and they have gone up quite a bit.  This is something that we have been talking about and hopefully preparing for though.  Spring season always seems to bring this up as the market heats up… just seems to have happened earlier this year.  
 
  What this means for you is that when you get pre-approved to make sure that your lender is taking into account that interest rates are pretty volatile currently.  Please remember that your lender can not lock in your interest rate until you are about 30 days from closing.  Interest rate fluctuations could affect your pre-approval, so if you have any questions…please talk to your lender.  

  A pre-approval is a snapshot of your current financial situation…as we have talked about in the past.  An actual pre-approval is where you have sat down with a lender and provided concrete evidence of your finances…  your last couple of paycheck stubs, your last couple of bank statements, your social security numbers to the lender for approval to pull your credit score, verification of employment, and of course, your last couple of years of W2’s/tax information.  

  A pre-approval only means that, based on the information you have provided to your lender, that you ‘could’ buy a home if you find a home and get a signed around, agreed upon, purchase sale agreement.  It does NOT mean that you are guaranteed to buy a home… because sometimes people change their financial situation… and don’t get a home.  DON’T change your financial situation!  Do not cut your work hours, and on the flip side… do not start working a whole bunch of overtime if you are using a loan program that has an income cap. Do NOT go buy appliances, or furniture. Do NOT go buy a new car, or a boat…or get any new loans.  NO new credit cards.  Do NOT quit your job.  Do NOT spend the money you need to buy a home….and yes, even if you are using a program that will help with your down payment, or closing costs… you still need money to buy a home…
Some things you Do want to do.. Please…by all that is holy… PLEASE continue to pay your bills…ON TIME!  I can stress this enough.  Paying your bills on time is 33% of your credit score.  Any questions on what you can/can not or should/should not do while in the process of buying a home?  Contact your lender…
PLEASE use a local lender, someone you, and your agent, can contact…this is very important. 

  So, when isn’t a pre-approval a pre-approval?  A pre-approval is like the golden ticket in American Idol…it means you are on to the next step…which is meeting with your Realtor and going out to find a home.  A pre-approval does not mean that you have won American Idol and that it’s time to get groupies… it’s just the second step in the process.  A pre-approval is never concrete… you still have to do your part in keeping it up, and keeping your financial situation the same, or better.  Until you receive keys from your Realtor…anything can happen.  There’s a reason I don’t drink much, my friend…it’s because sometimes I think that if I start…I won’t stop!  
  A non-approval is one that hasn’t been verified by concrete evidence (those papers I mentioned above).  For some, a non-approval is one that hasn’t been looked at by underwriters.  A non-approval is one that has been expired.  A pre-approval is consistently updated throughout the home buying process.  You get pre-approved… you meet with your Realtor….you find a home.  You make an offer (hopefully the offer gets accepted), but once the offer has been accepted, your Realtor sends the purchase/sale agreement to your lender.  At this point your lender will contact you to congratulate you on finding a home…and ask you to come in to sign loan disclosures.  Now that you have a signed around agreement to buy a home, your lender can actually start your loan.  This is awesome, and where your fabulous lender takes over to help you get that home.  
  If it has been some time since you got pre-approved, and you haven’t found a home yet…or decided to wait …now would be a good time to re-connect with your lender to check on your pre-approval, and update it.  Times…they are a-changing… as always.
 
**as a quick reminder…all home buying adventures should START with the Home Buyer Education Classes.    Don’t talk with lenders, and agents until after the classes so you know the questions to ask, what the paperwork means, and fully understand the process.  As always though…the classes are Free and Non-Promotional.  We are not there to promote ourselves or any ‘special’ agenda like some classes, and while we certainly hope you will call Chris or I, or both of us, to help with your home buying adventure, that certainly isn’t the main focus of the classes.  🙂  We are, both of us, as always, here to help!
 
            Information is power, and I hope that I am able to help you.  Good luck, and as always…May the odds be ever in your favor out there….  AND If you are looking for a real estate agent, I would love to be able to help you.                                                                       
 
    As always….this is just a quick overview…. again…and I can’t say this enough…please remember that your agent is NOT a salesperson, and should not be acting like one.  Real Estate is not really about houses, it is about relationships.  Your agent, and your lender work for YOU.  You drive the bus…we are merely GPS to help you get to your goals.  Like the classes, this weekly blog email is to help you with your home adventure.  The goal is to be informative and non-promotional.  🙂  We are, however, hoping you will call and want us to help with your adventure.  
If you have any questions about this, or something you have heard…or if you would like me to help you with your home adventure, please call, email,  text, or facebook me anytime.  I am, as always, happy to help!
 
Thank you again for your business and your referrals!!  …and thank you for referring these classes to your friends, family, and co-workers. 
 
 .   ..disclaimer…if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings… 
 
 
Upcoming Topics: What happens after an offer is made? or
When is the pre-approval, not a pre-approval?
Last Week:  Escrow Accounts?

pre approvalHave a great day, and I will talk to you soon,
;-D
Tracie DeMars
Real Estate broker 
Re/Max – Van Mall
360/ 903-3504 cell
360/ 882-3600 fax
www.traciedemars.com
traciedemars@aol.com

“Interested in free and non promotional home education classes?  Go to www.freehomebuyerclasses.com for local upcoming home buyer and home SELLER classes, or facebook: Tracie DeMars Real Estate for my home buyer education blog.”

“Listen to the mustn’ts, child. Listen to the don’ts. Listen to the shouldn’ts, the impossibles, the won’ts. Listen to the never haves, then listen close to me… Anything can happen, child. Anything can be.”
– Shel Silverstein, American poet, cartoonist and composer, (1930 – 1999).