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Home Buying in Vancouver : Real Estate Advice

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  • Local Info26
  • Home Buying97
  • Home Selling13
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Activity 118
Thu Jul 25, 2013
Trevor Curran answered:
Good morning Simmsprice.amber,

First steps:

Meet in person with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for. Your Mortgage Banker will discuss the various loan programs, closing costs, and most important of all, monthly payment.

Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.

Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.

Put together your Team of real estate professionals and shop 'til you drop!

Trevor Curran
NMLS #40140

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!
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0 votes 6 answers Share Flag
Wed Jul 24, 2013
Michael Zaviska answered:
One of my past clients is looking for a tenant. He has a nice large home on 5 acres, west of I-5.

If you are interested, please contact me for more information.

Michael
0 votes 3 answers Share Flag
Wed Jul 24, 2013
Tracie DeMars answered:
Hello there Martin~

As Clark County real estate agent, I think I can help you with this question. :-) Many folks work in Portland, Oregon, but live in Vancouver, Washington (Clark County). The schools are excellent in the Clark County area, and property taxes & homes also tend to be less expensive than the Portland area. In fact, Vancouver is kind of referred to as the 'bedroom' community to Portland.
Oregon does have an income tax though on wages earned there, but no sales tax. Washington has a sales tax on items purchased, but no income taxes on wages earned.
Any property tax owed will usually be paid through the first mortgage company as part of escrow if you were wondering about that.
There are many opportunities here, and lots of community events. If you have any questions, or any further real estate needs, please feel free to call, email, text, or even facebook me anytime! I am, as always, here to help!
Have a great day!
:-)
Tracie DeMars
Buyers Agent
Re/Max
360-903-3504 cell
traciedemars@aol.com
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0 votes 3 answers Share Flag
Sat Jul 20, 2013
kramers7 answered:
Mike, I am looking for a home in the same area. Please contact me at gkdoodles@aol.com
0 votes 8 answers Share Flag
Mon Jul 15, 2013
Sally Blair answered:
Answer below via Gloria Matthews:

Gloria Matthews, Agent, Vancouver, WA
I was born here, grew up here, ... Until recently via trulia, I had never heard about "Orchards area concerned citizens". It is HERE on trulia that it first came to my attention.

I know of no specific activity related to this area or group that would impact a purchase today.
Redlining is of course illegal, and equal opportunity is upheld always.

If you look at how trulia categorizes other names in the area, the "field" this name occupies describes specific geographic areas and communities. No one in vancouver recognizes this as a community name, and neither does the CITY OF VANCOUVER

here is the link to vancouver neighborhoods, provided by the city:
http://www.cityofvancouver.us/cmo/page/neighborhoods?menuid=…

Do not give this description any weight. How this neighborhood designation got started .. I have no knowledge of.. the ONLY thing I can think of it might relate to is a geographic area that may have resisted annexation to the city, or zoning when the 205 freeway was under construction in the early 70s.

check the CITY's geographic neighborhoods.. you wont find it. REMEMBER, Trulia is JUST A DATA aggregator.. "garbage in and garbage out". For the most part, they are a platform to sell advertising and use REALTORS data among other data resources to create a business by selling advertising..

then they encourage us to provide our time for FREE for them, and PAY them to advertise, so we can actually conduct OUR business, realestate.
Web Reference: http://www.cityofvancouver.us/cmo/page/neighborhoods?me...
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1 vote 1 answer Share Flag
Tue Jul 2, 2013
Gloria Matthews answered:
I have seen it designated on a map as a geographical location.. believe it is near the mall to 5corners if im not mistaken.. (orchards)

I grew up here... and had never seen it before... so "disregard it".. as being of any importance or significance. It may at one time been a geographic boundary area that was resisting annexation to the city... (long ago) or maybe that was the group opposing Hwy 205 (think 1970)...

If any one knows of any other significance the name may have... I'd be surpised... but there could be someone
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0 votes 1 answer Share Flag
Thu Jun 20, 2013
Ken's Home Team LLC. at Keller Williams answered:
Call Ken Dahlstrom with Alpine (360) 737-9345 he will ba able to answer your questions on this. If you need any other answers or suggestions call me 360.609.0226
0 votes 4 answers Share Flag
Mon Jun 17, 2013
Troy Jensen answered:
Hi Cory

I work with a lot of buyers being a buyers agent in this USDA area and I recommend Cody Steinmann with Pinnacle Bank and Alpine Mortgage, his number is 360-991-8920, he can be reached weekends, holidays, evenings and just about anytime and why I enjoy working with him. As for your scores, if both are on the loan it is my experience 640 is the minimum lender pulled mid score needed, not a consumer credit pull as those are typically higher. Give him or myself a call as we are always happy to help and help guide through the process.

Thank you

Troy E. Jensen, Broker

Professional Realty Services of Washington, Inc

MBA, BS, BA, AAS, PSS

cell# 360-852-7145

Fax# 360-326-1944

www.salmoncreek-realestate.com;
www.HomesInNorthwest.com;
www.mountvistahomesforsale.com;
www.felida-ridgefield-lacenter-realestate.com;

"Everything should be made as simple as possible, but not simpler." Einstein
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0 votes 7 answers Share Flag
Fri May 10, 2013
Donna Schorr answered:
Property values ARE increasing in Vancouver! It's actually likely to level off very shortly.
0 votes 4 answers Share Flag
Fri Mar 22, 2013
angelina answered:
how the weather around of a year? not too cold in the winter? not too hot in summer?im living in canada ,i want to move there, and my kids can go to the public school?
0 votes 6 answers Share Flag
Sun Mar 17, 2013
Evie Hampton answered:
Hi Rob!

I agree with Tracie! Do speak with friends and family about who they have used in the past. My entire goal with helping people is future referrals down the line. I love my career and really don't ever plan on retiring so I work extra hard to build relationships that will keep me in business! Also, you should interview a few brokers and see how you feel. The main thing you need to find in a broker is someone that you trust. All we brokers ask, once you've found the one you want to work with, is loyalty. If you see a home that you are interested in, call your agent, not the agent whos name is on the for sale sign as that agent is representing the seller and you want an agent that is going to represent you. I hope this helps!
If you have any questions, please feel free to contact me anytime at 360-609-0086.

Cheers!
evie (:
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0 votes 14 answers Share Flag
Fri Mar 15, 2013
Evie Hampton answered:
Hi Sue!

I agree with the advice the other brokers are giving you! First step, get pre-approved by a lender of your choice. Once you know your financial situation, then you should begin searching for a real estate broker. I would interview several and choose one that you feel you can trust and who is looking out for your best interest.
If you like, I would be more than happy to send you a relocation packet! If you are looking on the east side of Vancouver, I would recommend Fishers Landing which is a nice area with lots of ammenities. Other very nice areas to check out are Salmon Creek, Felida, and Ridgefield. They are minutes north of Portland but close to the freeways.
When you are ready to speak with real estate brokers, please feel free to contact me at 360-609-0086. I myself relocated from Orange County, CA and know the relocation process! I LOVE it up here!!! Hope this helps!

Cheers!
evie (:
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0 votes 9 answers Share Flag
Sun Mar 10, 2013
Kary Krismer answered:
Yes the agent should have been aware that this was a potential problem if the buyer is using FHA financing. From a listing disclosure attached to a HUD listing:

"If the buyer is using FHA financing, and BLB Resources has a current appraisal on file, the
buyer’s lender must use our FHA appraisal to determine financing limits. If the buyer overbids the
FHA as-is appraised value, they cannot order a new FHA appraisal just to support the overbid.
Instead, the purchaser will be responsible for the difference between purchase price and
FHA as-is appraised value in cash .
* Please reference Mortgagee Letter 00-27 if you have any questions regarding this policy.
• Please note that the FHA as-is appraised value and the list price are usually the same at initial
listing. However, we may process a price reduction on the property, leading to situations where
the list price will be less than the FHA as-is appraised value. The buyer’s bid amount might be
more than the reduced list price yet less than the FHA as-is appraised value. In this situation, the
buyer would not be required to come up with the difference between the purchase price and the
list price, because the purchase price is still less than the FHA as-is appraised value. The
requirement to pay the difference in cash only applies if the buyer overbids the FHA as-is
appraised value (which the buyer may do even if the list price has been reduced), so please be
mindful of the FHA as-is appraised value vs. the actual list price."
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0 votes 6 answers Share Flag
Wed Mar 6, 2013
TheCouv answered:
I'm also a buyer, Glenn. Honestly, I found that realtors don't want to show you around until you're pre-approved by a lender. That's just the way it works right now, they need to be sure you're serious. ... more
0 votes 9 answers Share Flag
Mon Feb 25, 2013
Paul W Thompson answered:
Ryan, if you would like to have your renovations done sooner rather than later, there are FHA 203K rehab loans and Fannie Mae Renovation loans. The ins and outs of these type of loans are too extensive to discuss in this posting, but these two types of loans will allow you to finance the cost of improvements and certain repairs to the home you are looking to purchase. Dan is right. These loans can be cumbersome and they are more expensive and complicated than a regular FHA or Conventional loan. It is imperative that you work with someone who has experience with these rehab loans. I have my certification to do these type of loans, and HomeStreet Bank is actually one of the first lenders in the country to begin doing these type of loans. Our company, in my opinion, does them as well as anybody else out there.

For more details, you can contact me at 503-810-1119. Just a caveat: these rehab loans do not cover every type of repair or remodel, so when the time would come to know what type of rehab and repair you would need, a lender would need to know immediately to know if there are any repairs and/or rehab that is not covered.

Good question and good comments by everyone

Paul W Thompson
Mortgage Consultant
HomeStreet Bank
NMLS #404052
(503)810-1119
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2 votes 12 answers Share Flag
Sat Feb 23, 2013
Michael Bradley answered:
You should look at living near 187th. We bought a house out in Bella Vista, where where 192nd turns into 18th st. Harmony is considered by many to be the top elementary school in the area. It's right next to Pacific Middle School, another great school. And they would then transfer to Union High School. It's a 5 minute drive to Walmart, Fred Meyer, Safeway. You have some really nice restaurants near by. There is beautiful dog park and a huge soccer field there as well. If you like going to the shooting range, then your in luck there as well. You have several politicians that live in the area so that should tell you that the crime is very low. When I first moved in, my wife accidentally left the garage door open when she left for work. We got home at about 7pm that evening. Nothing was missing. It would definitely be worth the look. ... more
0 votes 10 answers Share Flag
Sun Feb 10, 2013
Troy Jensen answered:
Sue

I read all these comments people post on the areas, it concerns me that there is so much bias in any given area, it is really in your best interest to come tour the areas and decide what is best for you. I am touring a couple today from San Jose CA in town and would be happy to show you around when you are in town as well. Just give me a call anytime.

Thank you

Troy Jensen, Buyers Agent
Professional Realty Services of WA
360-852-7145
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0 votes 8 answers Share Flag
Sun Feb 10, 2013
TheCouv answered:
Hi Sue,

I read some of your other questions, have you been to Vancouver yet to scout the area? That will be your best bet as to finding which neighborhood fits you best? If your husband works for Fisher, then Fisher's Landing or Camas are ideal. They're essentially one big area and much of it remains to be developed. Out here in East side we've got all the new stores, the local grocery stores (New Seasons, Chuck's, Whole Foods) plus the usual stores Fred Meyer, Safeway, QFC, Costco, Walmart, etc. East side is where it's all happening and I'm sure you've gathered from my other responses I'm biased. I've lived out here most of my life and it is the safest, cleanest part of town with the most potential to grow even better. My friends that live all across the County STILL come to East Vancouver to do their shopping - they even come from Portland to shop here. You won't find a better area across the board and you can get homes for a real steal right now. I'd recommend you come up, stay in the hotel over by Columbia Tech Center, drive around, scout the area, go to the stores - you'll see, the area sells itself.

P.S. I even see people here (adults and kids both) leave their bicycles in front of grocery stores or small strip mall stores without locking them! Now, I don't recommend that because I don't like to actually invite theft, but it's a testament to the mentality of the area.

I worked with Dale Chumbley at RealLiving - he knows Vancouver like the back of his hand.
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0 votes 5 answers Share Flag
Sun Feb 10, 2013
TheCouv answered:
Hi Sue,

I moved from the Bay Area a long time ago and we currently live in Fisher's Landing. Your co-worker is correct that East Vancouver is windier than other parts of town, however, that is not to say it is always windy - just during certain "storms" or when those East winds kick up. To be perfectly honest, I've never really considered it to be a "windy area". I certainly wouldn't suggest a different part of town if that is the only thing you're worried about because it isn't significant enough be a concern. ... more
0 votes 3 answers Share Flag
Sat Feb 9, 2013
Brad Fix answered:
the county records show that you lot is 16991 sq/ft .39 acres looks like clark county title was your title company give them a call and they can give you info let me know if you need anything else Brad Fix ... more
0 votes 7 answers Share Flag
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