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Exploring Roseburg Oregon: Grape Stomp & Harvest Festival

by Mary Gilbert


Saturday, September 21, 2019
4:00 PM to 8:00 PM

Melrose Vineyards
885 Melqua Road
Roseburg, OR 97471

Come on out and join in the fun! Ticket price includes live music by Red Thunder, a full meal with dessert, and a commemorative glass.  The menu will consist of: pork loin with apple chutney, corn on the cob, scalloped potatoes, garden salad with ranch dressing, garlic bread, and carrot cake. Have fun grape stomping!  There will be a grape stomping competition with the winner receiving a one year wine club membership!

Tickets must be purchased in advance. $30 per person, $25 for wine club members.

Purchase Tickets

Event Website

Questions?  Just give us a call!  541-672-6080

Courtesy of The Mary Gilbert Group

Photo Credit: touringandtasting.com

What Is a Non-Occupying Co-Borrower?

by Mary Gilbert


If you’re worried about whether you can get a loan on your own, having a co-borrower can take a lot of the stress off. Because there are two people applying for the loan, the lender has a lot more potential assets to consider and two different credit scores. In most cases, the co-borrower on a mortgage loan will live at the same address as the primary borrower (such as the residence being purchased.) Depending on circumstances, though, it is possible to have a co-borrower who doesn’t live at the same address.

 

Non-Occupying Co-Borrowers

As the name implies, a non-occupying co-borrower (also called a non-occupant co-borrower, or NOCB) is another person who is willing to take responsibility for a mortgage loan but who won’t be living in the purchased house. In most cases this is a family member such as a parent, sibling or spouse, though the exact restrictions will depend on the loan program you use. The co-borrower’s income is added in with the primary borrower’s for the purpose of qualifying for the loan, allowing the primary borrower to get the loan even if they couldn’t qualify on their own.
 

Both the income and the liabilities of the co-borrower are considered along with the income and liabilities of the primary borrower. The total income and total liabilities of both are calculated and then used to determine the overall debt-to-income ratio of the two borrowers; provided that it’s favorable enough, they’ll then qualify for the loan. Because they are co-borrowers on the loan, both the primary borrower and the NOCB are equally responsible for the loan payments.
 

Advantages and Disadvantages

There are a few distinct advantages of using a non-occupying co-borrower for a mortgage:

  • Can qualify you for a loan that you might not get otherwise
  • May earn you a better interest rate or more favorable loan terms
  • Provides you with someone else to help ensure that payments are made on time
  • May be able to refinance without the NOCB later as your credit score improves

Unfortunately, there are a few disadvantages as well:

  • Can strain relationships between you and the NOCB
  • Both borrowers are held liable in case of loan default
  • Not all co-borrowers will help you qualify for a loan
  • Not all co-borrowers will be eligible under the terms of your lender
  • Some lenders don’t allow NOCBs on loans, especially with first-time borrowers

Because non-occupant co-borrower loans are not cut and dried, it can take a bit of research to figure out whether you can even make use of one of these loans.
 

Should You Use a NOCB?

Assuming that you and your non-occupant co-borrower qualify for an NOCB loan through your preferred lender, the question remains of whether you should even try to add a co-borrower to your loan. There isn’t necessarily an easy answer to this question. The answer relies so much on your specific situation that it’s difficult to give a definitive answer, though there are a few things you can consider to try to find the right answer for you.
 

Take a moment and ask yourself the following questions: What are the rules concerning non-occupying co-borrowers from your lender? If they’re allowed, how likely is it that the co-borrower you have in mind will actually help your application? Is the co-borrower someone you can trust with this, or will the experience likely be stressful? Consider how reliable your co-borrower is, how it will affect your loan terms and how much this will actually help your case. The more thought you put into it, the closer you’ll be to finding the right answer for you.
 

Get Some Professional Advice

If you’re still not sure, we can get answers to all of your questions. Contact The Mary Gilbert Group at 541.371.5500 or [email protected] 

 

By: Homekeepr, Rob Morelli

Heating Sources Explained

by Mary Gilbert


There are a lot of different options available when it comes to heating your home. Some of them, you’re likely really familiar with, while others are newer options that you may not have heard of. Regardless, understanding how different heating options work is an important part of deciding how to best heat your home. Whether you’re building the home of your dreams or just remodeling your existing home, here’s some info on some of the heating options you might encounter.

 

Gas Heat

As the name implies, gas heat means that your system produces heat by burning a flammable gas (typically propane or natural gas). Depending on where you live, the gas either comes from a city-supplied utility line or a standalone tank that sits on your property. The heater functions by adjusting the gas passing through the heating chamber to make flames larger or smaller, controlling the amount of heat the flames release into the air that passes through the chamber. Propane heat may also come in other forms, such as gas fireplaces that serve a decorative purpose, as well as providing localized heat.
 

Forced Air

A forced air system is one that uses fans or other blowers to move air over a heating element and throughout the heating system’s ductwork. These are some of the more common heaters that you will encounter, as variations of forced air heating is used in most central heat and air systems and in many portable heaters.
 

Baseboard Radiators

There are a few different types of baseboard radiators that you might encounter. These heaters sit at or around floor level around the edges of a room, generating heat and allowing it to rise naturally throughout the room or house. Different materials are used in these heaters, with more modern varieties using pipes filled with heated oil to hold and radiate heat at a lower power cost than similar heating options like older, electric floor radiators.
 

Radiant Heat

An increasingly popular option for heating the home comes in the form of radiant heat flooring. A closed liquid heating system is embedded in concrete or other flooring material, heating the floor itself and allowing that heat to radiate upward naturally to provide gentle heat over a larger area without the need for high energy costs. There are a wide range of radiant heat options available, including everything from electric heating to systems that are heated from a wood stove outside of the home.
 

Solid Fuel Heaters

Also referred to as “pellet stoves” or “biomass heaters”, solid fuel heaters are stoves or other heating units that burn solid materials such as wood pellets or shavings instead of liquid or gas fuels. This is seen as something of a green option for homeowners who want to use wood and other materials that would otherwise be considered waste by the forestry industry. The fuel pellets or shavings are loaded into the heater and released into the burning chamber gradually, providing more control over the temperature and heat intensity than you would have with traditional wood-burning stoves.
 

CHP Systems

An emerging technology, “combined heat and power” or CHP heating systems are designed to be another environmentally-friendly heating option. These systems use a generator that produces power for the home or other buildings on the property, then reclaims heat energy released by the generator to heat the home. These systems are not yet available in all areas and may not be for everyone since they do provide more than just heat. For those planning for the future, however, keeping an eye on CHP systems may be a way to heat the home while simultaneously reducing dependence on external power.
 

Turn Up the Heat

If you aren’t sure what type of heating system is best for your needs, contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or [email protected] 

 

By: Homekeepr, Rob Morelli

Get Your Kids Involved in Your DIY Projects

by Mary Gilbert


Many people assume that children and home projects don’t go together, but why not?  Oh, sure, electric tools and saws don’t necessarily need to be handled by young ones, but there is so much more than can help you with than a major remodel!  
 

 

  • - Start simple:  cleaning is probably the easiest way to begin engaging your children in home-keeping.  Most love to sweep, dust, vacuum and help with dishes.   
     

  • - Little ones are naturally curious about what’s outside, so gardening can be a lot of fun, as well as being educational.  Not only can they assist with planting projects, but even preschoolers can be handy with a rake or help with weeding. 
     

  • - When you’ve decided that your walls need new paint, sit down with the color chip cards, and let them help you decide on color.  Painting the sample swatches on the wall is a great way to introduce a paintbrush or roller, and simple techniques.   
     

  • - Planning on purchasing a furniture kit?  Let the children help build it; learning how to follow directions that use symbols and handling simple tools is a great start to working those motor skills in a new way. 
     

  • - Any small repair--tightening drawer pulls, replacing a door handle or sink faucet--can easily involve any age child.  Give them an age-appropriate job, such as passing needed tools, shining a flashlight or using simple tools under your watchful eye. 

  •  

  • - Putting up new curtains or hanging decor on the walls are great ways to teach school-age kids about using a level or measuring tape.  Math skills in DIY?  Absolutely! 
     

  • - Do you perform your car maintenance?  Everyone should know how to check the oil and other fluids, as well as tire pressure.  Showing your children that keeping the family car in good running condition is as necessary as taking care of the house! 

 

Get your family excited about helping, have patience, and keep them safe while you’re working.   You’ll find that while you’re spending time with them, those DIY jobs will start them on a journey of learning how to be a good homeowner and a handy one at that! 

 

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or [email protected] 

Photo credit: amazon.com

Exploring Roseburg Oregon: Winston-Dillard Melon Festival

by Mary Gilbert


September 13 – 15, 2019

Riverbend Park
243 SE Thompson Street
Winston, Oregon 97496

Join in the fun at the 51st Annual Winston Dillard Melon Festival!

A family fun event with entertainment, car show, activities, kids games, craft & food vendors. BBQ Beef on Saturday and BBQ Chicken on Sunday. Parade on Saturday, September 14th!

Other activities will include:
Senior Bingo
Car Show
Pickle Ball
R. C. Cars
Mud Volleyball
Tug-O-War
Fireworks
Melon Eating

Courtesy of The Mary Gilbert Group

Photo Credit: facebook.com

Tips for Surviving a Remodel

by Mary Gilbert


Remodeling your home is a major project. Most people don’t realize just HOW major of a project it is until they’re deep into it, however. If you aren’t careful, a remodel can cover everything with dust, throw off your day-to-day plans and leave you feeling more frazzled than you’ve ever been. More than one homeowner has found themselves wondering, well before the job was complete, why they ever decided to undertake such a monumental task. Whether you’re already hip deep in a remodel or you’re just considering one, here are a few ways to keep you from experiencing this same sense of mid-remodel regret.

 

Start Small

While it’s tempting to launch into a full remodel and get everything done at once, taking the time to prioritize certain aspects of the remodel can make it much less disruptive and easier to control the budget. Consider which issues are the most pressing as well as which would be the most difficult to pull off. Avoid projects that are excessively difficult such as moving plumbing unless there’s a good reason to take them on. Prioritize everything else so you can complete each project in turn and move in on the big picture over time.
 

Respect the Construction Zone

Remodeling creates a LOT of dust, debris and noxious odors. Many contractors will put up plastic sheets and take other precautions to try and keep all of this out of parts of the house where they aren’t working, but there’s only so much that can be done in this regard. Try to plan your time at home so that you aren’t there during the worst of the noise and fumes. Pick up an air filtration system or two that you can put near the work areas to grab as much dust as possible. Pack up belongings that you don’t want exposed like you would if you were moving, putting them in boxes and sealing them with tape. This lets the remodel proceed as quickly as possible without giving you such a huge mess to clean up afterward.
 

Stick to the Budget

One big issue when remodeling is that the budget tends to spiral out of control. Once you get going, you may find that there are extra bits of spending that are needed to finish the job. There’s also the temptation to upgrade some of your plans since the newer version wouldn’t cost that much more. Unfortunately, changing your plans or upgrading your purchases can really add up over time. Make a budget for what you want, add about 20% to 25% to account for the unexpected, then stick with it. If there’s anything that you REALLY want to upgrade but aren’t sure that the budget can handle it, save it until as close to the end as possible before authorizing the cost.
 

Talk It Out

Communication with your contractors is a key component to making it through a remodel unscathed. This doesn’t mean that you should require them to report every little thing back to you, of course; unless there’s a problem that they need your insight or authorization for, you’ll be best served to let the pros do their job. That doesn’t mean you shouldn’t check in and see how things are progressing, especially if you need to structure part of your day around the work that’s being done. Talking with your contractors regularly helps you to plan your life better around the remodel and saves them the trouble of tracking you down when they need to check with you about something.

 

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or[email protected] 

 

By: Homekeepr, Saro Cutri

580 Wildcat Canyon Rd: Brand New Fairway Estates Home!

by Mary Gilbert

Roseburg OR Real Estate For Sale
580 Wildcat Canyon Road, Sutherlin, OR  97479

Be the first to live in this brand new home in Fairway Estates, a gated golf course community in Sutherlin OR! This beauty will be finished and ready for possession by 9/20! Enjoy the finest in one level living with an open concept floor plan, high ceilings, easy care flooring, 3 bedrooms, 2 baths, a finished 2 car garage, plus full landscaping and yard maintenance option in HOA dues. Built for entertaining and family function, enjoy the vaulted living room with beautiful wood laminate flooring. Sparkling quartz counters, stainless steel gas range and a center island are a couple of this kitchens most desirable features! A large dining area for holiday gatherings! Plush carpeting, a walk in closet and private bath make this master a sweet retreat. The two secondary bedrooms are generously sized and share a full bath – perfect for a growing family. Keep things organized in the spacious laundry room with durable tile flooring. 580 Wildcat Canyon Road is a steal with all the upgrades and quality finishes! Make your appointment today!

Mary Gilbert, Licensed Realtor in Oregon has distinguished herself as a leader in the Roseburg OR real estate market. Mary assists buyers looking for Roseburg OR real estate for sale and aggressively markets Roseburg OR homes for sale. 

Mary, Licensed Realtor in Oregon brings with her a keen eye for the details of buying or selling a Roseburg OR home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future –Mary Gilbert of Keller Williams Realty Umpqua Valley will help make the most of your Roseburg OR real estate experience. Give her a call today, 541-371-5500, and discover the difference she can make during your family's move.

Is Your House Ready for an Electric Car?

by Mary Gilbert


While they aren’t quite dominating the automotive market just yet, electric vehicles are definitely seeing a rise in popularity. More and more consumers are embracing the vehicles as a stylish and more environmentally friendly way to get around, and charging stations are starting to appear in places such as hotels, rest stops and even shopping centers. There’s definitely a market for electric cars out there, and it’s growing.

 

If you’ve considered an electric vehicle before, you should stop and ask yourself if you’re actually ready for one. This isn’t a trick question or a suggestion that electric cars are somehow superior; it’s a legitimate question that you’ve probably never given a thought to. Electric vehicles need to be plugged in and charged somewhere, so you need to figure out whether your house is actually ready for an electric car.
 

Electrical Access

A lot of garages have electrical outlets in them, but not all of them do. Even for those that do, they aren’t always conveniently located for plugging in an electric vehicle. Either way, this can be a big problem when it comes time to recharge your car. Without convenient outlets you will have to get creative while charging, and an electric vehicle isn’t exactly something you want to risk running a questionable extension cord to. When trying to determine if your home’s ready for an electric car, this is one of the big points that you need to consider. If you don’t have an outlet where you need one and aren’t willing to try some more creative parking options to get to the closest plugs, you may need to wire and install an entirely new outlet.
 

Can You Handle the Draw?

Electric cars pull a decent amount of electrical current while they charge. This isn’t a major problem in many modern homes but depending on what else is on a circuit with the vehicle, you may end up tripping a breaker or blowing a fuse. In some cases, the added draw of the electric vehicle may actually push you into using more electricity overall than your main panel was designed to handle. If you live in an older house, you could wind up facing a lot of hassle with your electricity if you get an electric car. Depending on how bad the problem is, you may even need to get some wiring reworked or have a new service panel installed to handle the increased electrical requirements.
 

Charging Station Issues

While the points made thus far have dealt with basic charging options that plug into a standard electrical outlet, home charging stations are also an option. These stations recharge electrical vehicles much faster than chargers that plug into an outlet, though they also have to be installed before you can use them. Depending on where you live, there may be laws or ordinances restricting who can install an electrical vehicle charging station and where they can be installed. Permits and inspections may also be required, all of which will cost money in addition to the cost of the charging station itself and professional installation.
 

An Alternative Consideration

To reduce or eliminate the cost of recharging an electric car, some owners choose to install solar panels that provide power to a dedicated charging station. This can be a great option, as it eliminates long-term costs while also providing a greener method for keeping your car charged. Unfortunately, there may be restrictions or other ordinances surrounding the installation of solar panels, as well. Solar panels also often have a high up-front cost, though depending on the size of the panel you choose you may be able to keep this down.

 

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or[email protected] 

 

By: Homekeepr, David Weinstein

194 East Willis Creek Rd: Quiet Country Home on 9+ Acres!

by Mary Gilbert

Roseburg OR Real Estate For Sale
194 East Willis Creek Road, Winston, OR  97496

Welcome home to 194 East Willis Creek Road, a quiet country home with a babbling creek on 9+ acres offering privacy and seclusion. The spacious living room with a toasty wood stove provides plenty of room for family and entertaining. Tons of cabinet and counterspace and a cooking island in the kitchen make meal prep a breeze, plus a large dining area with deck access. Three ample sized bedrooms and two full baths provide room to grow. The 9.84 sprawling acres offers room to roam, plenty of space for gardening, a shop for your hobbies, or animals. With just a little TLC this property could be exactly what you have been dreaming of!

Mary Gilbert, Licensed Realtor in Oregon has distinguished herself as a leader in the Roseburg OR real estate market. Mary assists buyers looking for Roseburg OR real estate for sale and aggressively markets Roseburg OR homes for sale. 

Mary, Licensed Realtor in Oregon brings with her a keen eye for the details of buying or selling a Roseburg OR home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future –Mary Gilbert of Keller Williams Realty Umpqua Valley will help make the most of your Roseburg OR real estate experience. Give her a call today, 541-371-5500, and discover the difference she can make during your family's move.

Before You Buy a Foreclosure Home

by Mary Gilbert


While looking through real estate listings, you might be curious when you see a property up for auction or one that is “real estate owned,” and wonder if the price is too good to be true.  There is a process of buying a foreclosure house, and you need to p
repare yourself, so read on for some pointers on what’s involved before you make your decision: 

 

  • - A “Bank-Owned Home” is just that:  the owner stopped making payments, and the lender is in the process of auctioning the home to try and recover the money they loaned.  Houses that are “Real Estate Owned” mean that the bank’s auction didn’t result in a sale and is being sold through a real estate agent. 

  • - Vacant homes can have all sorts of issues: mold, vandalism, pest issues, stolen copper piping, and neglected landscaping are just a few.  Before you make a bid, go and see the home for yourself, and decide if you can afford the sale price plus the cost of repairs. 

  • - Hire an inspector to go to the house with you so you’ll have an idea of exactly what needs to be done.  You don’t want to underestimate renovation costs. 

  • - When considering the asking price, and you have taken steps to get a contractor bid on all the rehab, use this formula to calculate your offer:  80% of the appraised value minus the cost of repairs. 

  • - Investing in a foreclosure as a rental will require less trendy but rugged materials and flipping to resell might be more expensive (and more headache!).  Moving into the home yourself can keep initial costs in check if you’re willing to do what’s necessary before moving in and holding off on upgrades. 

  • - Some foreclosure purchases must be made in cash, and that can put investors at an advantage. In case cash isn’t a requirement for the purchase, have proof of pre-approval from your lender when you make your offer. 
     

Whatever your reason for your interest in buying a foreclosed home, make sure you do your research, and talk to your bank as well as an experienced REALTOR®.  Search for foreclosures by locality and beware of anyone offering to sell “their property” that is in foreclosure.  Con artists are smart enough to find vacant properties to pass off as their own, sell them, and take the money and run. Educating yourself on the foreclosure purchase process will make for a smoother process, less stress, and hopefully an investment that will pay off for you! 

Contact the experts on The Mary Gilbert Group for all your Real Estate needs! 541.371.5500 or[email protected] 

Photo credit: bankforeclosuressale.com

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Contact Information

Photo of Mary Gilbert Real Estate
Mary Gilbert
Keller Williams Realty Umpqua Valley
2365 NW Kline Street, Suite 201
Roseburg OR 97471
541-371-5500
Fax: 541-371-5501

© Keller Williams Realty, Inc. is a real estate franchise company. Each Keller Williams office is independently owned and operated. Keller Williams Realty, Inc. is an Equal Opportunity Employer and supports the Fair Housing Act.