Dickson Realty announced that Eagle Home Mortgage has become the preferred lender for their clients. As reported in the Reno Gazette Journal today, Eagle Home Mortgage is a full-service mortgage banker and subsidiary of Lennar Corporation in seven western states with offices in Reno. Eagle offers services to Dickson clients that include conventional and jumbo loans, fixed and adjustable rate mortgages. In addition they provide Federal Housing Administration and Veterans Affairs loan products, Rural Housing/USDA loans, renovation and manufactured housing financing and state bond loans.
Dickson Realty’s Caughlin Ranch, Damonte Ranch and Sparks offices have an Eagle Home Mortgage loan officer on-hand to help you.
If you have more questions, please call or write me an email!
Esther Ramage - Dickson Realty
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Days are getting shorter, the weather is getting colder, and the holidays are right around the corner. Now is the time to make your house look the best and make the most out of selling your home. This time of year often signals a slowing down in the real estate market. What better time to make your home stand out from all the rest. Just a few simple things will put you ahead of the competition.
Paying attention to curb appeal is first and foremost. It is the first impression a buyer has as they pull up to your home. Make sure leaves are raked and shrubs and bushes are pruned. Plant some cold weather loving flowers such as mums or pansies to add color to a fading flower bed. Add some fall decorating with a pumpkin or two and a wreath. Too much decorating detracts from the house so keep it modest and simple. Just a touch goes a long way and helps a buyer envision themselves living there instead of focusing on your decorations.
Lighting is also very important with shorter daylight hours. Open the blinds during the day to bring in as much light as possible. Make sure exterior and interior lights are on for later in the day showings. Set the thermostat at a comfortable temperature. Buyers won’t linger for very long if they are freezing to death and the house is dark. If there is a fireplace make it a focal point in the room. Light some scented candles. All of these things will make your home feel very welcoming and homey.
Another essential tip is to update your listing photos. Most of the time the buyer’s first impression of your home is online through photos. If your home has been listed for a while and the pictures were taken in the summer or winter your listing looks old and outdated. There is no better way to bring the life back to your listing and make it look new and exciting again. If you are just now considering selling take advantage of these tips and make the most of the season changing to make your house look its best.
Call or email me today for some additional tips and advice or to discuss your selling options. 775.303.7871 or dboscarello@dicksonrealty.com
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President Obama has expanded the existing Home Affordable Refinance Program, HARP. According to Phillip van Doorn from “The Street”; “HARP is offered to mortgage borrowers who are current on mortgage loans that are guaranteed by Fannie Mae or Freddie Mac, whose home values have dropped so much that the current loan-to-value ratio is over 80%. The program has been extended through December, 2013, and is available for loans sold to Fannie or Freddie before May 31, 2009. Under the expanded 
HARP, borrowers will be able to refinance for up to 125% of a home’s current value, but the 125% loan-to-value cap will be removed during the first quarter of 2012.” The homeowner can ask their lending officer if their loan is owned by Fannie Mae or Freddie Mac or you can visit the links at the bottom of this post.
There is another key requirement to qualify for HARP. According to Mahesh Swaminathan, senior mortgage strategist at Credit Suisse, “You must have made the last six mortgage payments, and have missed no more than one payment in the last year. You also must have a job or another source of regular income”.
With the interest rates being in the low 4%, and even in the mid 3% for Adjusted Rate Mortgages, it might be a great time to call your lender and ask if this is the right time to lower your mortgage payment.
If you would like to know if your current mortgage is owned by Fannie Mae or Freddie Mac, plcase visit the following websites:
Fannie Mae
Freddie Mac
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Solds for Reno/Sparks in September: 534. See comparison chart for August and July.
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The Tahoe Cooking Queens, Mary Jurkonis and Cindy McClelland are back in the kitchen with their new class “Side by Side”. Fall is the best time for cooking up great sides and desserts with the season’s bountiful produce. This class with give you recipes and tips for making scrumptious side dishes for family meals and holiday entertaining, that are so yummy they can substitute as the main course. We promise you won’t even miss the meat! Recipes featured include potato gratin, Moroccan couscous, apple spice cake and more. October 27, 2010 at the DW Reynolds Building, Incline Village, 6-8 pm. $40 per person. All proceeds benefit Project Mana and Los Médicos Voladores (the flying doctors):. Visit http://lmvtruckee.org/ and reserve your place now or call Project Mana at 775-298-0008. Visit us on Facebook!
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The Nevada Humane Society is in desperate need of clean blankets (no stuffing), towels and sheets for the kennels. Some of the dogs are sleeping on pieces of plastic. If you have items to donate, please drop off at the following Dickson Realty locations from 9:00-5:00 Monday-Sunday through January 31, 2010. For more information on other items needed, please visit http://www.nevadahumanesociety.org/involved.htm
Thank you, the members of our wonderful community, for your support and concern for the animals we all love.
1030 Caughlin Crossing
Reno, NV 89519
(775) 746-7000
500 Damonte Ranch Parkway Ste. 625
Reno, NV 89521
(775) 850-7000
4870 Vista Blvd.
Sparks, NV 89436
(775) 685-8800
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How is it going so far in 2009? Will luxury homes get a “bailout”? Most likely, not. What’s a Seller to do? If you don’t have to sell your multimillion dollar home in the next year, then wait. If you are on the market and need to move within a year then sharpen your pencil and get your price to the market. Remember, last month I said there were 114 homes on the market over 1.5 million dollars and I am forecasting 17 to 27 of those homes will sell in the next twelve months. So far this year one luxury home has sold and the inventory has dropped to 99. That is good, steady news!
Activity has definitely picked up as evidenced by increased showing appointments. The Buyers are sending a clear message that if the home is a “deal”, they will step up. The lending environment for jumbo loans is very tight and you actually have to qualify for the loan like you did in the good old days. There are some very good loans but exercise caution and choose a reputable lender who can deliver what they promise. If the interest rate and loan package is too good to be true … Some analysts are predicting increasing interest rates in the next six months so take advantage of these historic low rates and jump in to the market!
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Tuesday, January 17, 2012 By: Esther Ramage
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