Trick or Treat: Dress up Your Porch With No-Carve Pumpkins

For those of you out there who have older kids or just want to do something different than the typical Halloween jack-o-lantern this year, try a more sophisticated pumpkin. Instead of carving one, paint one. Here are some ideas:

Flower Power – Use a drill or nail wide enough to poke holes through for stems of flowers and cover pumpkin in them. Use flowers with your favorite fall colors: yellows, oranges, and reds.

Watercolor pumpkins with glitter stems - Paint with traditional acrylic paint and allow it to dry overnight, then put glue all over the stem and sprinkle glitter on it. Sparkles and gold accents will add glam to your fall décor and make you wish pumpkins were always in season.

Halloween meets Day of the Dead – Begin by painting the whole pumpkin white, then allow it to dry overnight. Next draw a skull face with a pencil, and then go over it in paint.

Monogram – Add your initial to your pumpkin with glitter or thumbtacks. If you are putting it outside, another idea is to put your house number on it.

Different types of paint - Use chalk paint for vintage looking pumpkins with muted tones or glow in the dark paint for extra spookiness.

Accessorize – Add rhinestones, confetti (which sticks right to the paint), or a bow on top to add a little something extra.

Not only is it quick and easy, it’s super chic too. Spray paint your pumpkins gold, silver, black, and red, add stripes or polka dots. This year, it would appear that the no-carve trend is the way to go.

Check out our favorite pumpkins on Pinterest!

Safety Tips for Sellers

Are you getting ready to sell your home? While there is a lot to do before your home is listed, there are also things you need to consider once your home is on the market. Making sure you and your possessions are safe is a critical piece to selling your home.

We’ve gathered a list of tips to help you – talk to your Windermere Whidbey Island broker for more suggestions.

1. Go through your medicine cabinets and remove all prescription medications.
2. Remove or lock up precious belongings and personal information. You will want to store your jewelry, family air looms, and personal/financial information in a secure location to keep them from getting displaced or stolen.
3. Remove family photos. We recommend removing your family photos during the staging process so potential buyers can see themselves living in the home. It’s also a good way to protect your privacy.  
4. Check your windows and doors for secure closings before and after showings. 
5. Never ever show your own home on your own. If someone you don’t know walks up to your home asking for a showing, don’t let them in. Tell them to contact your agent directly. (Have a few extra business cards just for this purpose.)

We want your selling experience to be a great one – and we’ll work with you every step of the way to make certain that’s the case! For more information and suggestions on seller safety, check out this article on selling safety.

And to find out more about selling your home and our current market conditions, give us a call. We’re Whidbey Island’s real estate experts!

 

In the market to buy a home? Make a list and check it twice.

Are you thinking of buying a home on Whidbey Island, and you aren't sure exactly where to start? Here is a checklist to help you get ready to make your home dreams come true:

Decide where on Whidbey you want to live! Generally, you will want to plan on staying in your home for at least 5-7 years in order for you investment to pay off, so it’s important to look at homes on Whidbey that will meet your needs over the long term.

Explore the market. Once you know where you will be looking for homes - whether that's up on the north end, the south end, or somewhere in between - you can start to explore. Get to know the neighborhoods, the schools, the local businesses, and amenities in our four main communities ... Freeland, Coupeville, Oak Harbor and Langley.

Make a list of what you need and want. Create a list of the things in a home that are most important to you such as the number of bedrooms/bathrooms, home features, etc. Then make a list of things that you would like to have, but aren’t as important, such as a fireplace, a fenced yard and a home close to a park. Knowing your "must have's" and your "would like's" ahead of time will help your broker know how to help you.

Hire a real estate broker who specializes in Whidbey Island properties. Why? Because our brokers are keenly aware of the issues that come with buying property on Whidbey Island. They know this island inside and out, and keep abreast of important issues surrounding property - including permitting and environmental issues that might affect your future home. You may have a non-Whidbey broker you've worked with before ... ask them to refer you to one of our offices and brokers so that you have a knowledgeable and island-savvy broker to represent you and your interests.

Search for comparable houses in your chosen location. Once you know where you’d like to buy and what type of house you’re looking for, you can start to realistically assess how much it will cost. You can find listing price and sale price information on our Windermere Whidbey Island website.

Take a good look at your finances. Once you have an idea of what homes cost, you can start figuring out how much money you need for a down payment, monthly mortgage payments, property taxes, etc. Make sure to check your credit score to ensure that everything is in order before applying for a home loan.

Develop your financial plan and get pre-approved for your home loan. Determine how much you need to save for your down payment and create a plan and timeline to achieve this goal. Talk to a local lender so that you know ahead of time how much house you can afford, and so that you're ready to buy when you find the perfect home.

Start shopping! This process involves everything from searching for homes on our Windermere Whidbey website, to visiting open houses on the weekends. But perhaps the most important part of this process is looking at homes with your real estate broker. Looking for homes online lets you search more efficiently, but there’s nothing like seeing the home – and its surroundings – first hand.

The negotiating process. Negotiations between buyers and sellers differ from region to region and season to season ... what might be common in your current location might not be at all the same on Whidbey! Look to your agent to guide you, based on your priorities and financial abilities, and whether you are buying during a 'buyers market' or a 'sellers market'. There could be multiple buyers bidding for the same home; your broker can help you create a well thought out strategy ahead of time.

Ready to start shopping for a new home on Whidbey Island? Give us a call and we'll help you get started - including pairing you with just the right Windermere broker who will get to know you first, and then help you meet your individual needs and reach your personal financial goals.

4 Easy Ideas for Lowering Your Heating Bill

It’s that time of year again … the leaves are changing color and there’s a shift in the temperature that has us bringing out the cozy fleeces and turning on the household furnace for the first time. Which – for many of us – means a higher electric or gas bill is on the horizon until we see warm spring and summer weather again.

Here are some suggestions to help you maintain your heating system, as well as lower your wintertime heating bill.

1. First and foremost, hire a heating expert to inspect and clean your furnace. Just doing this one simple step can often save you hundreds of dollars in heating bills. Additionally, any problems found can be addressed now … rather than in the dead of winter when it’s freezing outside and you discover your furnace has stopped working.

2. Maintain your insulation and weather protection. Look for cracks and gaps that need repair. Calking installed around windows and doors has anywhere from a 5-10 year lifespan, depending on the quality and installation.  Also check the weatherstripping at the bottom of doors. A good way to test is to wait until dark, turn off your inside lights and turn on outside lights near the door, then look under the door to see if you can see light coming through. Any gaps where light is showing means that cold air is coming in, too. (Small gaps are also a huge ‘welcome’ sign to mice who are looking for a warm and cozy spot!)

3. Keep flooring, rugs and furniture away from heating ducts and cold-air returns. And while you’re at it, do a thorough job of cleaning your cold-air return. It’s an easy thing to ignore, but over the years dust and dirt can cause all sorts of problems – from inefficient heating and cooling to extra dust and potential allergy issues.

4. If you don’t yet have one, install a programmable thermostat. While a good one might run you $50-$100, the return is worth the initial expense. You can warm your house up in the morning when you are home, turn your heat down during the day if your house is empty, then have the heat come on in the late afternoon so your house has warmed up by the time you get home. Programmable thermostats can often lower your monthly heating bill by 10-20% – which over the course of a year can be a substantial savings.

Whether you’re looking for heating and cooling experts, or you’re thinking that perhaps you’re ready to move from the chilly house you have now into a warm and energy efficient home before winter comes, give us a call. We’d love to chat with you!

A Quick Guide to Understanding Real Estate Designations

What do those letters and acronyms mean at the end of your real estate agent’s name? We’re here to answer that question and explain why it might matter to you. Like other professionals, real estate agents have the ability to specialize in certain areas of the business by earning designations. Those acronyms signify that they have achieved a specific designation through extensive training and education. In simple terms, designations enable agents to increase their skills, proficiency, and knowledge in various real estate sectors. They can also provide agents with access to members-only marketing tools and resources which can be an added benefit to their clients.

So why should real estate designations matter to you? Depending on what your specific real estate needs are, certain designations might mean more to you than others. For example, if you are in need of a real estate agent who can help you or your loved ones transition to a senior living facility, you may want to work with a Senior Real Estate Specialist (SRES), because they are trained to understand the unique needs of seniors and their families in this type of situation.  Or, perhaps you’re selling your LEED-certified home and you want an agent who specializes in marketing these types of properties, then you may want to work with a Certified Green Real Estate Professional (CG-REP).

The National Association of REALTORS® offers the largest number of professional designations, which are designed to provide real estate agents with specialized training in a variety of areas. Here is a list of those designations and how they benefit real estate consumers.

Accredited Staging Professional (ASP): By increasing a home’s appeal to a higher number of buyers, home staging is commonly considered one of the best ways to sell a property more swiftly and for more money. Agents with an ASP designation understand the art of home staging and use special marketing techniques to increase the market value of a home.

Senior Real Estate Specialist (SRES): If you are considering retiring, downsizing or are trying to help an aging loved one transition to an assisted living facility, a SRES trained REALTOR is qualified to help support clients over the age of fifty with lifestyle transitions and major financial decisions. This includes knowing what to look for if you prefer to age in place, finding the resources to support a move from movers to financial advisors, and more.

NAR Green Designation (GREEN): If you are looking to buy or sell  a LEED Certified home, a GREEN REALTOR will have the expertise to help you. They are trained in sustainable and earth-friendly building trends, energy efficiency, and more.

Accredited Buyers Representative (ABR): If you are a first time homebuyer you may want to find an ABR designated agent. They are specially trained to work with buyers through every step of the home-buyer process from mortgage to closing.

Accredited Land Consultant (ALC): Land experts have expert knowledge and experience in land auctioning, leasing, development, farm management, land investment analysis, and tax deferment. This type of designation is not needed for a general home purchase, but if you are looking at investment, development, or farming properties, an ALC can help.

Certified Commercial Investment Member (CCIM): Purchasing or leasing space for your business is different than finding a home for yourself or investment property. If you need a commercial space, a certified commercial agent can help you locate this type of property and negotiate the intricacies of the contracts.

Certified International Property Specialists (CIPS): International real estate can differ greatly from domestic transactions. If you are looking to purchase a home abroad, consider working with an agent who has their CIPS and specializes in international real estate. They can provide tools for understanding the international process, access to a global referral network, and additional international resources.

Certified Property Managers (CMP): Managing a rental property can be a complicated, time-consuming process. There are specific laws you have to follow, resident screenings, 24 hour maintenance issues, and more. A CMP is specially trained to manage your residential or commercial property on your behalf.

Certified Real Estate Brokerage Manager (CRB): Managing a real estate business involves much more than overseeing an office with staff, marketing, and other resource needs. CRBs go through certification and extensive training for supervising a real estate brokerage, with essential business development and management requirements.

Certified Residential Specialist (CRS): The prestigious CRS designation is awarded to experienced REALTORS who have completed advanced professional training and demonstrated outstanding professional achievement in residential real estate. This designation signifies one of the highest levels of success a REALTOR can achieve.

Seller Representative Specialist (SRS): Sometimes referred to as a “listing agent”, there are agents who specialize in working specifically with sellers. These agents have special training in all areas of the home selling process, providing increased professional standards and marketing expertise.

Certifications:

Military Relocation Professional Certificate (MRP): If you are a military service member or are relocating on behalf of the military, an MRP is specifically trained to address your relocation needs.  They can help you navigate through the financial process because they are aware of the benefits available to service members and can address the unique relocation needs of military clients.

Resort & Second-Home Property Specialist Certification (RSPS): If you have a destination property, consider working with a RSPS certified agent to manage the buying, selling, or management process. They have training specific to managing investment, retirement, resort, and vacation destination properties.

Short Sale & Foreclosure Certification (SFR®): Short sales are different than typical home sales because they deal directly with financial institutions. SRF certified agents are experienced at negotiating these types of transactions and are trained to work with finance, tax and legal professionals on behalf of distressed sellers.

Go here for a complete list of designations: http://www.realtor.org/designations-and-certifications

4 Tips for First Time Buyers

Are you getting ready to buy your first home on Whidbey Island? It can be a pretty exciting experience as you imagine the feeling of being ‘home’ at the end of every day, and building memories for many years to come. It’s also exciting to think about the kind of home you want – and the finishes that appeal to you.

Before you fall in love with every house you see, both online and perhaps in person, here are some issues that many first-time buyers find themselves experiencing, and ways to avoid problems.

Be realistic about your price range
These days it’s easy to find online calculator tools that can help you determine approximately how much house you can afford. Remember, however, that these are only estimates. It can be easy to find yourself falling in love with houses that, in reality, are way out of your price range.

The best bet is to meet with a lender at the very beginning of your search. A lender can help you determine how much you can afford, and how realistic that number is in terms of your other monthly bills and obligations. If they give you a range, consider sticking to the lower end if at all possible. That way, if your life circumstances change (and your budget does too), you’re more likely to still be able to afford your mortgage payments.

Be an informed buyer – and get inspections
In a hot real estate market (i.e. lots of buyers and not a lot of houses for sale), you may think that the only way to compete with other buyers is to buy a house without getting a home inspection. In most cases, that’s a foolish mistake for a first-time buyer to make. Any house with a bit of paint and staging can look great on the surface. But it’s what’s behind the walls, under the sinks, and in the crawl space that really counts. An inspection will give you a good idea of the kinds of things that you can fix in the future when you have time and money, and the kinds of things that you need to have corrected before you sign on the dotted line. Your real estate broker can guide you through the inspection process and help you determine what items must be corrected, and what items are less of an issue.

Expenses – it’s not always just your mortgage
Beyond your mortgage, there will be additional expenses that you’ll be responsible for. You’re going to pay closing costs when your transaction is finalized and you’ll be paying property taxes every year. And depending on the neighborhood you buy in, there could be homeowners dues and extra assessments through the years you’re in your home. Be sure to do your homework and factor in all the costs involved in homeownership.

It’s a big financial decision – trust your judgment
There’s nothing wrong with being nervous about buying your first home – most buyers are plenty nervous. But don’t let that nervousness turn into a revolving door of looking and looking … but never buying. If you’ve done your homework and followed the advice of your lender and real estate broker, you’re very likely making a sound business decision by buying a home. While your first home may not be perfect, or the home you someday dream of owning, it can be a solid investment that – over time – will help build your financial portfolio. Find a house that fits your needs for now, trust your judgment, and join the millions of people who, just like you, at one time were first-time buyers.

Ready to start looking for your first home? Our website has lots of information on homes for sale on Whidbey Island. And when you’re ready to start looking at homes in person – rather than just in photos – you’ll find our Windermere Whidbey Island brokers a terrific resource for finding just the right lender, qualified inspectors, and for helping you navigate the process of buying your very first home.

 

Here’s Your Fall Home Maintenance Checklist:

Fall is an ideal time to tackle maintenance projects both inside and outside. Here are a few ideas to get you started:

Gutters top to bottom: Water in the wrong spots can do a lot of damage. Start by ensuring that gutters and downspouts are doing their job. (Don’t attempt this task yourself if you have a two-story house with a steep roof; hire a professional instead.) If your home is surrounded by deciduous trees you may need to clean out your gutters a few times a year, especially in the fall. Check to make sure your gutters are flush with the roof and attached securely, repairing any areas that sag or where the water collects and overflows. Clean out the gutters and downspouts, checking that outlet strainers are in good shape, and are firmly in place. Finally, check that your downspouts direct water away from your house, not straight along the foundation.

If you haven’t already, you may want to consider installing gutter guards. Gutter guards create a barrier so water can get through to your gutters, but debris cannot, limiting gutter buildup (and the time you spend cleaning out your gutters). There are DIY installation kits available or you can always hire a professional to install a gutter guard system.

If you have a sump pump under your house, now is a good time to test it. Run a hose to be sure draining water travels directly to the pump (dig small trenches if needed), and that the pump removes the water efficiently and expels it well away from the foundation. For more information about how sump pumps work go to howstuffworks.com.

Check for roof leaks: The best opportunity to catch leaks is the first heavy rain after a long dry spell, when roofing materials are contracted. Check the underside of the roof, looking for moisture on joints or insulation. Mark any spots that you find and then hire a roofing specialist to repair these leaks. What you don’t want to do is wait for leaks to show up on your ceiling. By then, insulation and sheet rock have been damaged and you could have a mold problem too.

Don’t forget the basement. Check your foundation for cracks, erosion, plants growing inside, broken windows, and gaps in window and door weathering.  Make sure to properly seal any leaks while the weather is nice. This will ensure materials dry properly.

Pest Prevention: Rodents are determined and opportunistic, and they can do tremendous amounts of property damage (and endanger your family’s health). As temperatures cool, take measures to prevent roof rats and other critters from moving in. Branches that touch your house and overhang your roof are convenient on-ramps for invaders, so trip back branches so they’re at least four feet from the house. If you do hear scuttling overhead or discover rodent droppings in your attic, crawl space or basement, take immediate action. The website http://www.thisoldhouse.com has several helpful articles on the topic.

Maintain your heating and cooling systems: Preventative maintenance is especially crucial for your home’s heating and air-conditioning systems. Fall is a smart time to have your systems checked and tuned up if necessary. Don’t wait for extreme temperatures to arrive, when service companies are slammed with emergency calls. Between tune-ups, keeps your system performing optimally by cleaning and/or replacing air filters as needed.

If you have a wood-burning fireplace, a professional inspection and cleaning will help prevent potentially lethal chimney fires and carbon monoxide poisoning. Even if you don’t use your fireplace often, always keep a supply of dry firewood or sawdust-composite logs so you have a backup heat source in an emergency.

Insulate & seal: Insulating your home is a cost-efficient investment, whether you’re trying to keep the interior warm in the winter or cool in the summer. Aside from more major improvements like energy-efficient windows and insulation, there are some quick fixes that do-it-yourselfers can tackle. If an exterior door doesn't have a snug seal when closed, replace the weather stripping; self-adhesive foam stripping is much simpler to install than traditional vinyl stripping. If there is a gap under the door (which can happen over time as a house settles), you may need to realign the door and replace the vinyl door bottom and/or door sweep. Air also sneaks inside through electrical outlets and light switches on exterior walls. Dye-cut foam outlet seals placed behind the wall plates are a quick and inexpensive solution.

Looking for more fall maintenance ideas? Or perhaps thinking about buying your first home, or moving up or down in home size? Give us a call, or take a look at the Whidbey Island homes for sale section of our website. Our site includes lots of information on the current market - including all homes for sale on Whidbey Island.

 

We’re in GREAT Company!

Check out the August 2014 edition of Sunset Magazine … Whidbey Island is smack dab in the middle of an article about the West’s most wonderful islands. And we’re in great company – joining other famous and gorgeous islands from Alaska to Hawaii,  and from British Columbia to California.

We happen to be in a section called Your Island Match: For the Epicure (page 59) and our famous and oh-so-delicious Penn Cove mussels are highlighted. But in looking at the other sections, we could easily have landed on nearly every page (it’s hard to compete in the ‘miles of sand’ category):

 

1. For the Thrill Seeker: We’ve got Deception Pass Bridge (180 feet high and nearly a quarter-mile long). Awesome!

2. Own Your Own Island: Well, you can’t actually own Whidbey Island, but our agents can help you find the perfect San Juan island of your very own.

3. For the Loner: Whidbey has gorgeous stretches of countryside where you can be alone with your walking stick, a camera, and majestic views.

4. For the Short-on-Time: We’re just a short ferry ride away from the Seattle side, and Highway 20 across Deception Pass Bridge gets you from B.C. to Whidbey in a couple hours. A day-trip to Whidbey is easy!

The best part of this article is that it highlights the many reasons why island living is so special – in the words of those who love their islands. Living on Whidbey means a quieter, simpler way of life, but with a city twist that keeps this island humming. People want to live here (and visit here!) because, as the article puts it,  ”Islands appeal to the imagination more than any other geographic feature …”

Starting to think island life might be just what you’re looking for? Our website has lots of resources, including the most up-to-date information on Whidbey Island homes for sale. Want to talk to islanders about why we love living on Whidbey? Give us a call and one of our brokers can show you around. If you’re still in the ‘curious’ stage, keep tabs on what’s new through our Windermere Whidbey Island Facebook page.

Having Trouble Staying On Top Of The Clutter?

When a home gets unorganized and cluttered it can feel like an overwhelming task to clean it back up. But with the following tips and storage ideas, you can organize your home—and keep it  that way.

Sort through your stuff

The first step to getting organized is to get rid of clutter and unnecessary things. Start by going through one room or closet at a time, sort everything into three groups: keep, maybe, and toss. Keep items in the “maybe” group in a basket, and then once every few months or so go through it and decide if they are worth keeping. It’s easier to judge if you need to keep something once it has been out of sight for a while. Chances are if you haven’t thought about those items  or used them after a few months, you don’t need them anymore. Items you’ve decided to toss can be recycled, thrown away, donated to charity, or sold in a garage sale or online. Items you've decided to keep should all have a place in your home where they belong. There are a plethora of great storage solutions available to help you organize these items in a way that makes sense for your home.

 

Look for unused spaces

Think of spaces that you aren't making the most of in your home. Chances are there are a lot of hidden areas that you wouldn’t think to store things in. For example: the space next to the refrigerator could be a great pull-out spice rack or canned good storage. In the garage, consider storing things in boxes on the ceiling. Awkward nooks in walls can become desks or shelving units.

 

Vertical Storage

A great way to add more storage space to your home is “storing up”. There is a lot more wall and air space in your home than floor space, so building up, with high shelves or stacking can get things off your floor and organized. Adding extra shelves to your wall or putting baskets on top of existing cabinets or book cases can also create additional storage space.

 

Put things on display

When you store things on display you keep things organized and easy to find, while adding decoration to your home. Wrapping paper, ribbon, and other colorful craft supplies mounted on the wall or in the open can create an attractive, space-efficient crafting/work area. Hanging jewelry on display, in a frame or on the wall, makes getting ready easier, and adds to the decor.

 

Double duty furniture:

Consider buying furniture that doubles as storage. Furniture with storage within it takes up the same amount room as regular furniture, but gives you the ability to store much more. A bed with drawers can house linens, a bench by the mudroom is perfect for shoe storage, and try storing quilts in an ottoman in the living room.

 

Keeping it clean

Once everything in your home has a place, upkeep is not hard work. Just keep on top of everyday messes and clutter and continue sorting things in your home into keep, toss, or maybe categories. Identify where the clutter in your house comes from, and you can better avoid it in the future.

If you're finding that you have optimized your storage and your house is still too small, it may be time for a move up to something larger. Give one of our Windermere Whidbey Island offices a call and we'll be happy to help you look at new home options, and assess the current market opportunities for selling the home you now live in.

Got Documents to Shred? Join us September 13 in Oak Harbor

While you may think that ‘dumpster diving’ is the pastime of our local critter population, you may not realize that it’s also an easy way for thieves to obtain a lot of sensitive information about you, your family, and your financial habits. According to a 2014 CNN Money magazine article, there is a new victim of identity theft every 42 seconds. Although that statistic includes cyber-theft (hackers getting into big business websites), it also includes identity theft by obtaining access through paper documentation.

On Saturday September 13, Shred-It  will be onsite at our Oak Harbor office from 10am-1pm to help you shred sensitive documents that you no longer need, but should never just toss into the garbage can or dumpster. Bring your document boxes – and add in a food donation for Whidbey Island Help House or school supplies for our local kids.

Not sure what to shred or how often? There are lots of resources available, including information on the Washington State Attorney General website. Many documents you need to save long term (Investment, IRA’s etc) and some you need only save for a year or less.

Take a look at the list below and make sure you are correctly disposing of any document that might give a thief information on you.

  • Address labels from junk mail and magazines
  • ATM receipts
  • Bank statements
  • Birth certificate copies
  • Canceled and voided checks
  • Credit and charge card bills, carbon copies, summaries and receipts
  • Credit reports and histories
  • Employee pay stubs
  • Employment records
  • Expired credit and identification cards including driver’s licenses, college IDs, military IDs, employee badges, medical insurance cards, etc.
  • Expired passports and visas
  • Legal documents
  • Insurance documents
  • Investment, stock and property transactions
  • Luggage tags
  • Medical and dental records
  • Papers with a Social Security number
  • Pre-approved credit card applications
  • Receipts with checking account numbers
  • Report cards
  • Resumés or curriculum vitae
  • Signatures (such as those found on leases, contracts, letters)
  • Tax forms
  • Transcripts
  • Travel itineraries
  • Used airline tickets
  • Utility bills (telephone, gas, electric, water, cable TV, Internet)

 

Need more information on our shredding day? You can contact our Oak Harbor or Coupeville Windermere office, or give your Windermere broker a call.