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October
17

It's Time to Get Ready for Fall

Delta Media Group

Fall is the perfect time of the year to do seasonal maintenance to keep your home running smoothly. Checking these items off your must-do list now will save you money and frustration later.

  1. Seal the leaks.
    Check around windows and doors for cracks that leak air. According to the U.S. Department of Energy Research, leaks can increase your heating bill by up to 10 percent. Seal the leaks with caulk or weather stripping as needed.

  2. Schedule heating equipment inspections.
    Call an HVAC professional to give your furnace an annual cleaning and tune-up. Doing this can increase the efficiency and safety of your furnace.

  3. Test the generator.
    Instead of waiting for the winter's first power outage, take your emergency generator for a test run now. Make sure you have extra fuel stored away.

  4. Inspect your home's exterior.
    A damaged exterior lets in water and pests. Check your siding for cracks, curling, dents, looseness, bowing, and decay. Make sure your masonry veneer isn't cracking or flaking, and your stucco is free from cracks.

  5. Clean the gutters.
    Although it's among the most common home maintenance tips, this one has greater benefits than you might imagine. Blocked gutters can cause leaks on your roof and in your basement as well as damage your exterior. Scoop leaves, dirt, and other debris from the gutters then spray them clean. As you clean, check for leaks and rust. Make sure your downspouts are directed away from your home.

  6. Check your roof.
    Damage to your roof puts your home at risk for leaks. Use binoculars or climb onto the roof to inspect for missing, damaged, curled, or loose shingles. Look the ridge shingles over for wind damage. The metal flashing in the roof valleys and around protrusions such as vents should be free from curling and damage.

  7. Inspect your walkways.
    Damaged driveways, sidewalks, and steps worsen when exposed to freezing temperatures and pose a hazard in icy conditions. Repair cracks wider than 1/8th inch, smooth uneven areas, and tighten loose railings.

  8. Prevent frozen pipes.
    Adding insulation to pipes in unheated areas is one of those simple home maintenance tips that can save you a lot of trouble and expense. Outdoors, put your garden hoses in storage and, if your outdoor faucets aren't frost-free, turn off your outdoor water supply and drain the faucets. Drain your irrigation system to prevent burst pipes and damaged sprinkler heads.

  9. Measure your foundation drainage.
    The ground around your foundation should slope away from your home at an angle of 6 inches down over 10 feet. This protects your foundation from water damage.

  10. Get the lawn and garden ready.
    If you spot any tree limbs that could fall or hit power lines during a windstorm, cut them back. Also, trim shrubbery and perennials as recommended for the species. Rake up leaves and either compost them or use them as mulch. Alternatively, check if your city offers a removal service.

May
9

Spokane Gardens

Our real estate agents are always excited to welcome spring back to the Spokane area. This season offers a chance to reconnect with nature and to be reminded of all the amazing green spaces our city has to offer. 

This spring, we recommend taking that appreciation a step further by exploring some of Spokane's most amazing gardens. With spring flowers blooming, there's no better time to experience these spectacular Spokane gardens. 

  • Lilac Garden - W Shoshone Pl, Spokane, WA 99203
    Spokane has been nicknamed the Lilac City, and it's not hard to see why. The Lilac Garden in Manito Park contains over 100 cultivars from at least 23 unique species of lilac trees and bushes. The best time to see them in full bloom is from late May into early June, and the annual Lilac Festival has been a fixture of Spokane's spring calendar since the 1930s. 

Click Here to Read More...

September
20

Selling your home while shopping for a new one can feel daunting to even the most seasoned homeowner––especially when the competition for housing is so high. That doesn't mean, though, that you should just throw up your hands and give up on moving altogether. In fact, as a current homeowner, you could be in a better position than most to capitalize on a seller's market and make a smooth transition from your old home to a new one.

We can help you prepare for the road ahead. Here are some of the most frequent concerns we hear from clients who are trying to buy and sell at the same time.

"What will I do if I sell my house before I can buy a new one?"

While it may be an inconvenience, this is a common scenario that can usually be handled with a little creativity and compromise. Here are some options to consider:

1: Flex your muscles as a seller.

In some cases, a buyer may agree to a rent-back clause that allows the seller to continue living in the home after closing for a set period of time and negotiated fee. We can discuss the benefits and risks involved and whether it's a good option for you.

2: Open your mind to short-term housing options.

If you're lucky enough to have family or friends who offer to take you in, that may be ideal. If not, check out furnished apartments, vacation rentals and month-to-month leases. If space is an issue, consider putting some of your furniture and possessions in storage.

3: Embrace the idea of selling now and buying later.

With cash on hand from the sale of your current home, you'll be in a better position to budget for and buy your next home. And by focusing on one step at a time, you can alleviate some of the pressure and uncertainty involved.

"What if I get stuck with two mortgages at the same time?"

If you can't afford to carry both mortgages, then selling before you buy may be best. (See Tip #3.) But if you have flexibility in your budget for some overlap, it is possible to manage a home sale and purchase simultaneously. Here are some steps to help streamline the process:

4: As you get ready to sell, simplify.

You can condense your sales timeline if you only focus on the renovations and tasks that matter most. We can advise you on the repairs and upgrades that are worth your time and investment.

5: Prep your paperwork.

If you'll need a mortgage for your next home purchase, get pre-approved in advance. And start pulling together relevant records for your current home, such as appliance warranties and renovation permits. That way, you'll be ready to provide quick answers to buyers' questions should they arise.

6: Ask about other contingencies that can be included in your contracts.

For example, it's possible to add a clause to your purchase offer that lets you cancel the contract if you haven't sold your previous home. This tactic could backfire, though, if you're competing with other buyers. We can discuss the pros and cons of contingencies and what's realistic given current market dynamics.

"What if I mess up my timing or burn out from all the stress?"

To make sure you're in the right headspace, take the time to slow down, breathe and delegate as much as possible. In addition:

7: Relax and accept that compromise is inevitable.

Rather than worry about getting every detail right with your housing search and home sale, trust that things will work out eventually––even if it doesn't look like your Plan A or even your Plan B or Plan C. Luckily, if you've got a good team of professionals, you can relax knowing that others have your back and are monitoring the details behind the scenes.

8: Don't worry too much if your path is straying from convention.

Remember that rules-of-thumb and home-buying trends are just that: they are estimates, not facts. So if your home search or sale isn't going exactly like your neighbor's, it doesn't mean that you are doomed to fail.

9: Enlist help early.

Which leads us to our final tip: If possible, call us early in the process. We'll not only provide you with key guidance on what you should do to prep your current property for sale, we'll also help you narrow down the parameters for your next one. That way, you'll be prepared to act quickly and confidently when it comes time to list your home and make an offer on a new one.

Call today for tailored advice that works for you

Buying and selling a home at the same time is challenging. But it doesn't have to be a nightmare, and it can even be fun. Click here for a free consultation so that we can help you review your options and decide the best way forward - or visit our site for listing of homes for sale.

August
30

From summer vacations to winter holidays, it seems each season offers the perfect excuse to put off our to-do list. But be careful, homeowners: neglecting your home's maintenance could put your personal safety—and one of your largest financial investments—at serious risk.

In no time at all, small problems can lead to extensive and expensive repairs. And even if you avoid a catastrophe, those minor issues can still have a big impact. Spokane Homes for Sale that are not well maintained can lose 10 percent (or more) of their appraised value.

The good news is, by dedicating a few hours each season to properly maintaining your home, you can ensure a safe living environment for you and your family ... and actually increase the value of your home by one percent annually!

While this checklist should not be considered a complete list of your home's maintenance needs, it can serve as a general seasonal guide to maintaining your property throughout the year.

SPRING

After a long, cold winter, many of us look forward to a fresh start in the spring. Wash away the winter grime, open the windows, and prepare your home for warmer weather and backyard barbecues.

INSIDE

  • Conduct Annual Spring Cleaning
  • Shut Down Heating System
  • Tune Up A/C
  • Check Plumbing
  • Inspect Smoke Alarm & Batteries
  • Check Carbon Monoxide Detector
  • Check Water Filters & Replace as needed
  • Clean out Sink & Shower Drains

OUTSIDE

  • Inspect Perimeter of Home & Deck
  • Clean Home's Exterior
  • Clean Gutters and Downspouts
  • Seed or Sod Lawn & Fertilize
  • Apply a Pre-Emergent Herbicide
  • Plant Flowers & Mulch Beds
  • Tune Up Lawn Mower
  • Inspect Sprinkler System

SUMMER

Summer is generally the time to relax and enjoy your home, but a little time devoted to maintenance will help ensure it looks great and runs efficiently throughout the season.

INSIDE

  • Adjust Ceiling Fans
  • Clean A/C Filters
  • Clear Dryer Vent
  • Check Weather Stripping

OUTSIDE

  • Mow Lawn Regularly
  • Water Early in the Morning
  • Weed Weekly
  • Exterminate Pests

FALL

Fall ushers in another busy season of home maintenance as you prepare your home for the winter weather ahead.

INSIDE

  • Have Heater Serviced
  • Shut Down A/C for the Winter
  • Inspect Chimney
  • Seal Windows and Doors
  • Check Smoke Alarm & Carbon Monoxide Detectors

OUTSIDE

  • Plant Fall Flowers, Grass and Shrubs
  • Rake or Mow Leaves
  • Apply Fall Fertilizer
  • Inspect Gutters and Roof
  • Shut Down Sprinkler System
  • Close Pool

WINTER

While it can be tempting to ignore home maintenance issues in the winter, snow and freezing temperatures can do major damage if left untreated. Follow these steps to ensure your house survives the winter months.

INSIDE

  • Maintain Heating System
  • Tune Up Generator
  • Prevent Frozen Pipes
  • Adjust Ceiling Fans

.

OUTSIDE

  • Drain and Shut Off Outdoor Faucets
  • Remove Window Screens
  • Service Snowblower
  • Stock Up on Ice Melt
  • Watch Out for Ice Dams
  • Check for Snow Buildup on Trees

ARE YOU LOOKING FOR HELP

...with home maintenance or repairs? We have an extensive network of trusted contractors and service providers and are happy to provide referrals! Call or email us, and we can connect you with one of our preferred vendors. Contact us

August
16

When you buy a new home, you want it to be a reflection of you and your style. As you consider various trends, you may come across a popular new one called cottagecore. But what is it, exactly, and will it work for your interior design needs? Essentially, cottagecore home decor is a nostalgic journey to a simpler time and place. If sipping tea in a garden, breathing in the delicate scent of roses and honeysuckle strikes your fancy, this could very well be the interior design style you are seeking. If the homes you are asking to be shown are reminiscent of country living, you may want to consider these key elements:

  • Nostalgia
    From the garden to the living room, the house should speak of bygone days. This may look different to each person. If your cherished memories include crocheted Afghans and ruffled curtains, by all means, include them. If they lean more toward the brown leather overstuffed couch and the roll-top desk you might find in an 1890's ranch house, then go that direction. It's even possible to blend styles a bit in this very unscripted decor. If you have antiques or just books and knick-knacks that have been in the family for a long time, cottagecore provides a perfect setting to display them.
  • Simplicity
    Although many of us work in the world of technology, we don't all want to live there. When incorporating cottagecore interior design trends, necessary technology will often be hidden inside wooden cabinetry or disguised in other clever ways. The lifestyle celebrates minimalism, including handcrafting, home cooking, and creativity over video games. Rather than the cold, sleek surfaces you will find in industrial decor, you will find the warmth of wood, the natural textures of organic materials, and the cozy atmosphere they bring. Shining wooden floors with simple rugs and a wooden coffee table that reflect the same color as the floor. You might find the same wood theme repeated in bathrooms and bedrooms. 
  • Nature
    Embracing nature is critical to the cottagecore style. This doesn't mean that you must raise your own chickens and livestock in order to enjoy the designs. But the interior of the home should blend with the environment surrounding the exterior. This can be accomplished with muted colors, natural materials, house plants, and fresh or dried flowers. Imagine a little girl collecting wildflowers and displaying them in a milk bottle. The romantic ideal of rural living can be reflected in prints and paintings without the less pleasant realities of farm life. An indoor herb garden is just the right touch to a cozy kitchen, while the fresh herbs bring your recipes to life. 
  • Vintage
    Antiques are certainly great additions to cottagecore home decor, but you can obtain the vintage feel without an extensive collection. Simple lines, wooden frames, and natural textures will help balance the design. Wooden chairs next to pristine white wainscotting in the dining room are reminiscent of homes of a hundred years ago, even if they were just purchased recently. The elegance of a colorful quilt can carry the sleeper back to Grandma's house. Overstuffed chairs reupholstered with soft, nubby fabrics or floral designs are both frugal and practical, echoing the lifestyle of the past as much as the appearance. 
  • Do-it-yourself
    To truly embrace the cottagecore lifestyle, you should bring in your own creations. Have you learned to embroider? Frame an original piece and hang it on the wall. Did you grow your own fruits and vegetables? Proudly store them in wire baskets on the kitchen counter. Craftspeople know that you can't create anything worthwhile without making a little mess. You can embrace the clutter a bit without letting it take over. A basket of colorful yarn complete with knitting needles will actually enhance the decor of the den. A loom in the corner will make a fascinating conversation piece. You may even discover common interests with friends you didn't know existed. 

If you've been waiting for some of the vintage things you love to come back in style, the time has come. Our real estate professionals will be happy to help you find your new home. Contact us when you're ready to make the change. 

July
2

If you're searching for drama, don't limit yourself to Netflix. Instead, tune in to the real estate market, where the competition among buyers has never been fiercer. And with homes selling for record highs, the appraisal process is receiving more attention than ever. That's because, in a rapidly appreciating market, a property is more likely to appraise below the sales price—which can lead to major repercussions for both buyers and sellers.

It's never been more important to understand the appraisal process and the risks involved. It's also crucial to work with a skilled real estate agent who can guide you to a successful closing without overpaying (if you're a buyer) or overcompensating (if you're a seller). Find out how appraisals work—and in some cases, don't work—in today's unique real estate environment.

APPRAISAL REQUIREMENTS

An appraisal is an objective assessment of a property's market value performed by an independent authorized appraiser. Mortgage lenders require an appraisal to lower their risk of loss in the event a buyer defaults on their loan.

In most cases, a licensed appraiser will analyze the property's condition and review the value of comparable properties that have recently sold. Appraisal requirements can vary by lender and loan type, and in today's market, in-person appraisal waivers have become much more common. If you're applying for a mortgage, be sure to ask your lender about their specific terms.

APPRAISALS IN A RAPIDLY SHIFTING MARKET

An appraisal contingency is a standard inclusion in a home offer. It enables the buyer to make the closing of the transaction dependent on a satisfactory appraisal wherein the value of the property is at or near the purchase price. This helps to reassure the buyer (and their lender) that they are paying fair market value for the home and allows them to cancel the contract if the appraisal is lower than expected.

Low appraisals are not common, but they are more likely to happen in a rapidly appreciating market, like the one we're experiencing now. That's because appraisers must use comparable sales (commonly referred to as comps) to determine a property's value. This could include homes that went under contract weeks or even months ago. With home prices rising so quickly, today's comps may be lagging behind the market's current reality. Thus, the appraiser could be basing their assessment on stale data, resulting in a low valuation.

HOW ARE BUYERS AND SELLERS IMPACTED BY A LOW APPRAISAL?

When a property appraises for less than the contract price, you end up with an appraisal gap. In a more balanced market, that could be cause for a renegotiation. In today's market, however, sellers often hold the upper hand.

That's why some buyers are using the potential for an appraisal gap as a way to strengthen their bids. They're proposing to take on some or all of the risk of a low appraisal by adding gap coverage or a contingency waiver to their offer.

Appraisal Gap Coverage

Buyers with some extra cash on hand may opt to add an appraisal gap coverage clause to their offer. It provides an added level of reassurance to the sellers that, in the event of a low appraisal, the buyer is willing and able to cover the gap up to a certain amount.

For example, let's say a home is listed for $200,000 and the buyers offer $220,000 with $10,000 in appraisal gap coverage. Now, let's say the property appraises for $205,000. The new purchase price would be $215,000. The buyers would be responsible for paying $10,000 of that in cash directly to the seller because, in most cases, mortgage companies won't include appraisal gap coverage in a home loan.

Waiving The Appraisal Contingency

Some buyers with a higher risk tolerance—and the financial means—may be willing to waive the appraisal contingency altogether. However, this strategy isn't for everyone and must be considered on a case-by-case basis.

It's important to remember that waiving an appraisal contingency can leave a buyer vulnerable if the appraisal comes back much lower than the contract price. Without an appraisal contingency, a buyer will be obligated to cover the difference or be forced to walk away from the transaction and relinquish their earnest money deposit to the sellers.

It's vital that both buyers and sellers understand the benefits and risks involved with these and other competitive tactics that are becoming more commonplace in today's market. We can help you chart the best course of action given your individual circumstances.

DON'T WAIVE YOUR RIGHT TO THE BEST REPRESENTATION

You need a master negotiator on your side who has the skills, instincts, and experience to get the deal done...no matter what surprises may pop up along the way. If you're a buyer, we can help you compete in this unprecedented market—without getting steamrolled. And if you're a seller, we know how to get top dollar for your home while minimizing hassle and stress. Contact us today to schedule a complimentary consultation.

June
16

Green Bluff Growers

The Green Bluff area is known for its beautiful scenery and fertile soil, which allows local farmers to grow a wide variety of delicious, high-quality produce throughout the year. Many of the best local farms and fruit stands are part of the Green Bluff Growers' Association, a local organization dedicated to sharing all that local farms have to offer. And it's not just about great food! They also host many fun, family-friendly activities available at local farms throughout the year. Coldwell Banker Tomlinson has all the details on the fun you can expect at local farms, in our Green Bluff Growers Spotlight.

Click Here to Read More...

March
9

Spokane Flowers

Planting the right flowers in your yard can truly give your landscaping a boost! That's just one of the great reasons to participate in National Plant a Flower Day on Friday, March 12. Our real estate agents share some helpful information about planting a garden in Spokane to get you started. 

Click Here to Read More...

February
22

Spokane Garden Tips

By the time we get to the dark days of midwinter, gardeners all over Washington are itching to get outside and get their hands back in the soil. We understand the struggle. 

Luckily, this is the time of year when you can start taking the first steps toward planting your spring vegetable garden. Our real estate agents are delighted to share these tips for starting your spring garden indoors!

Click Here to Read More...

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