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Popular House Styles Defined

by Mary Gilbert


When you’re new to house-hunting and begin reading house descriptions, you may not understand the difference in a ranch, Tudor or a Craftsman style.  These eight most common architectural types will help you not feel so overwhelmed while going through your
 to-see list: 

 

  • Popular in the 1930s was the Arts and Crafts, or Craftsman, house.  Known by their low-pitched roof, front porch with tapered columns, the interiors of this type of home features lots of woodwork and built ins. 
     

  • Cape Cod-style homes are rectangular in shape, usually with the front door in the center of the front of the home, shuttered windows on either side of the front door and gable ends.  Traditional structures are one and a half stories, with living, sleeping and dining rooms all divided with walls. 
     
     

  • Colonial houses are the predecessor of the Cape Cod, and they are similar in shape, style, and interior.  The biggest difference between the two is the Colonial’s second story was a full story, versus the Cape Cod’s half-story.
      
     

  • A home that is described as Contemporary should be just that--a house of “now.”  Think of a contemporary home as having Colonial, Ranch or other architectural characteristics, just with an updated look. 
     

  • As times changed during the 1930s-60s, Mid-Century Modern-style houses began to make an impression using sleek straight lines, asymmetrical form and basic materials like glass, concrete, and metal.   
     

  • Ranch-style homes were a popular architectural style in the US during the post-World War II years through the 1970s.  The one-story form was usually low on the ground, with mixed exterior siding and attached garage.  
     

  • Looking like something from a fairy tale, Tudor homes featured curved rooflines and doorways, timbered or half-timbered gables filled with mason work or shingles, decorated windows, and cross-gables on the front exterior.  
     

  • The Victorian era brought romance and frills, and the homes of that period are no different.  A Victorian-style home will normally have a steeped-pitch roof, gabled windows, decorative woodwork, bay windows, and wide front porch.  

 

REALTOR® Magazine offers a guide to many other house styles, complete with images of the basic look of each type and brief description.  Once you’re familiar with these terms and the houses they describe, you’ll feel more confident as you search listings, looking for your new home. 
 

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

Photo credit: popsugar

Exploring Roseburg Oregon: FREE Self-Defense Seminar

by Mary Gilbert


November 16, 2019 – 4:00 PM to 6:00 PM

Dynamic Martial Arts
1223 NE Cedar Street
Roseburg, OR 97470

Our last event (October 20th) was full to capacity and we have many people that wished to attend but were unable but were unable. Due to this, we are only accepting first time visitors for this event.

Human Trafficking and the threat of kidnapping are real! Please join us for this FREE event and learn mental strategies and physical skills to protect yourself from potential attackers.

At Dynamic Martial Arts, our Jiu-jitsu is a combative system that utilizes use of structure and leverage to overcome a larger, stronger attacker. This class is ideal for anyone that would like to learn basic and practical methods of self-defense and abduction prevention.

Reserve Your Spot Here

Courtesy of The Mary Gilbert Group

Home Shopping Red Flags to Watch

by Mary Gilbert


Shopping for a home can be exciting. Unfortunately, sometimes we can get too caught up in the excitement and end up ignoring signs that the house we’re looking at might not be the best option. There are a number of red flags that can pop up when looking at homes, and even more when shopping for a mortgage to pay for the home you choose. To help you avoid having a bad home-buying experience, here are a few of the biggest red flags that you should keep an eye out for.

 

Signs of Foundation Trouble

When looking at a home, be sure to get a look around the outside so you can catch a peek near the foundation. If the home has a basement, ask to see it as well. While a little settling is normal, if you see large cracks, signs of leaks or other indications that there is foundation damage then buying this home is just asking for trouble.
 

Insect Issues

Having insects or other pests in your home is more than just unsanitary: These uninvited intruders can actually damage your home and lead to costly repairs. If you see insects, mice or other pests (or indications that they’ve been in the house recently), it could indicate a pest control problem that the seller has been unable to get under control. Depending on how bad the problem is, this could be a deal-breaker.
 

Inconsistently Fresh Paint

Seeing freshly painted walls in a house is pretty common and usually isn’t anything to worry about. When the paint only covers certain patches of the wall, though, that’s a different story. Be sure to ask about any small sections of paint that you see as they may indicate damage that was hastily covered up with a little bit of paint. It’s possible that there’s a good reason for it, but that little patch of paint may also be hiding an unpleasant surprise in the wall.
 

Smells and Stains

Most sellers go out of their way to make a house appear at its very best before letting potential buyers come in. This is why you should definitely take note of any odd smells or stains that you encounter in the house. Smells could indicate leaks, mildew, mold or other problems hiding somewhere in the house. Stains can also indicate leaks and other problems, especially if they appear on the ceiling or near the tops of the walls. Large stains on the ceiling can even signify a leaky roof!
 

Outlet Issues

When looking through a house, be sure to spare electrical outlets a glance. If they have visible cracks, discolorations or black smudges on them then you may have electrical problems in your future! While you’re thinking about the electricity, you should also ask to see the breaker box to make sure that it’s well organized and that all of the breakers appear to be in working order.
 

Standing Water

If it’s been raining, you may see a little bit of water standing in the yard when you go to visit a house. This isn’t necessarily an issue, but stop to think about how long it’s been since it rained and just how much rain you’ve gotten. If there seems to be a lot of water for the amount of rain or if it’s been a while since the last rainfall, that standing water could indicate drainage issues or even problems with a water line or septic tank.
 

Loan Issues

Even if there’s nothing wrong with the house you want to buy, you may encounter red flags during the loan process. Higher than usual interest rates, requirements for additional insurance or flood insurance, added costs and other quirks could mean that you need to find a new lender… or they could mean that there are issues with the property that you missed. Shop around for a better loan if you think you can find a better deal, though keep an eye out for issues that keep popping up at multiple lenders.
 

The Best Way to Avoid Red Flags

If you’re seeing red flags everywhere you look and aren’t sure where to turn, we can help. Contact The Mary Gilbert Group to help guide you through finding a great home AND a great loan. Reach us at 541.371.5500 or [email protected] 

 

By: Homekeepr, Saro Cutri

Home Programs Vets Should Know About

by Mary Gilbert


Veterans sacrifice a lot for this country. To help honor these sacrifices, special programs were put in place to aid vets in getting and keeping a home. Unfortunately, not all veterans know that these programs exist. Even for those who do, they may not realize exactly what options are available for them and may apply for a program that doesn’t really match their situation ideally.

 

To help sort out some of the confusion, here are a few of the most common home programs that vets might be interested in. As requirements and availability can change over time, be sure to find out more before attempting to apply for any specific program.
 

VA Home Loans

One of the most commonly used home programs for vets are VA home loans. These loans are subsidized by the Veterans Administration itself, similar to HUD home loans or rural loans subsidized by the Department of Agriculture. Thanks to the VA subsidy, vets can qualify for better-than-average interest rates and may be able to reduce or eliminate down payments or closing costs as well. Houses must meet the livability requirements of the VA to be purchased with a VA home loan.
 

VA Foreclosure Programs

Another useful home program for vets is the VA foreclosure program. This features homes that have been foreclosed upon that meet livability requirements, allowing vets to buy the homes at a discount from their market value. This lower price can make VA loans even more affordable since there is less to repay from the start.
 

Loan Forbearance

One problem that vets sometimes face is getting behind on mortgage payments and running the risk of losing their home. The VA offers loan forbearance programs that can help with this. While this doesn’t serve as loan forgiveness, the forbearance does temporarily stop repayments to give veterans more time to catch up. There are no penalties accrued during the forbearance period – and pending foreclosures won’t move forward while the loan is in forbearance. Once the forbearance period ends, the vet can begin making payments again at their normal rate.
 

Loan Modifications

VA-backed loan modifications are another option for vets that are struggling with their mortgage payment. These modifications can make changes to the interest rate, interest type or even the repayment period of the loan to reduce the amount of the monthly payment. There are a few different types of loan modifications available for vets ranging from basic loan refinancing to specialized repayment plans designed to keep vets in their homes when times are tough. The specific terms of the modification will depend on the specific program or plan that the veteran uses to modify their loan.
 

In-Home Care Programs

For veterans who were injured in service or who experience other chronic health issues, the VA offers programs to aid in getting in-home care. These programs pay out directly to the care provider and may also cover the cost of specialized care equipment or home modifications that are necessary to help the vets get through their day. These programs may be a good option for injured vets who need minor remodeling for medical reasons but who are unable to get it done on a fixed income.
 

VA Disability Status

It is important to point out that some VA programs require a veteran to have disability status before they can qualify. Disability through the VA can take a while to certify, so vets who have ongoing mobility or health issues should apply early before applying for other programs. Some programs may have options available while a disability decision is still pending, but there are at least a few VA programs that can’t do anything for you unless you’re already certified as disabled by the VA.
 

Finding the Right Program

If you’re struggling to navigate the complexities of some of these programs, there are mortgage and loan experts out there who can help you. They have experience dealing with VA programs and may be able to advise you on which programs are best for your situation. Contact The Mary Gilbert Group for advice and a referral! 541.371.5500 or [email protected] 

 

By: Homekeepr, David Weinstein

Happy Veteran's Day!

by Mary Gilbert

Prepping Your Fireplace

by Mary Gilbert


On a cool evening, there’s almost nothing better than sitting by the warmth of a fire with a cup of cocoa.  If you’re a new homeowner who is new to having a fireplace or woodstove, you may be a bit apprehensive about using it.  There are some things you sh
ould know before you fire it up, and this guide will give you the confidence to use this feature during the cold months. 

 

  • - Call a pro to inspect and clean your chimney before using it, especially if this is your first Winter in the house. 
     

  • - Check the damper to be sure it opens and closes properly, and make sure the doors are secure, as well as being certain the glass isn’t loose and has no cracks. 
     

  • - Examine a woodstove’s chimney pipe for any loose sections and clean any accumulated soot or ashes.  The door should open easily, close very tight, and the handle should lock into place once the door is shut. 
     

  • - When purchasing a mat or rug to place in front of the hearth, be certain it’s certified fireproof. 

  • Wood shouldn’t be brought inside until it’s ready for use.  Find out why you should keep it outside and other great tips about storing firewood here. 
     

  • - Gas fireplaces require a little less maintenance, but it’s important to be familiar with the operation.  If you can’t find an owner’s manual for your type of fireplace, see if online editions are available, or call the company to have one mailed to you. 
     

  • - If you see dust and cobwebs, turn off the gas off, and vacuum using the hose attachment. 

  • Ceramic logs or lava rocks inside a gas fireplace may need sprucing up as well. How to Clean Stuff.net guides us through this process in a few simple steps. 
     

  • - Soot can collect on the glass doors, and it’s best to keep them clean.  When the doors are cool, spray them with window cleaner, (have newspaper or old towels under them to catch dripping grime), and use a cleaning brush or crumpled newspaper to remove as much of the soot as possible.  Follow up with a soft cloth dampened with clean warm water to remove any film left behind.   

 

If you’re even the slightest bit unsure about prepping your fireplace, don’t hesitate to call a professional!  Many specialty stores know who you should contact and may even have a technician available.  Not only do you want to stay warm, you want your home safe. 
 

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

Photo credit: telegraph.co.uk

Tips for Lowering Your Mortgage Insurance Payment

by Mary Gilbert


Mortgage insurance can be a pain, though in many cases it’s a necessary evil. Without mortgage insurance you may not be able to qualify for certain loan programs, including loans serviced through the FHA. Depending on the circumstances of your loan and the insurance you buy, this can be a considerable expense. Fortunately, there are ways to reduce this expense; in some cases, you may even be able to get rid of mortgage insurance altogether!

 

Be sure to keep in mind that like many things loan-related, there are a lot of factors that go into determining your mortgage insurance costs. While these tips may help you to lower that payment, their effectiveness will vary from person to person.
 

Build Your Credit

As with loan interest rates, mortgage insurance costs can be affected by your credit score. Mortgage insurance is designed to provide additional safety for the lender that extends the loan. As such, the better your credit score is, the less risk there is that you’ll default on the loan. If you can improve your credit, you’ll have a much stronger case for negotiating a lower mortgage insurance payment.
 

Pay Down Your Loan

Mortgage insurance is typically required when your down payment is under 20 percent of the value of your home. As such, you can usually renegotiate it or have it removed entirely as you build equity. If you can afford it, make additional payments against your loan to pay it down and build equity faster; this will get you in a position to renegotiate your mortgage insurance sooner than you would otherwise be able to.
 

Refinance Your Mortgage

Provided that you can get a good deal on your new loan, refinancing is a great way to reduce the cost of mortgage insurance. Because you’re taking out a new loan to pay off the previous one, any mortgage insurance that’s required will be based on the new loan amount in comparison to your home’s value. If you refinance with a loan that’s for 80 percent or less than the total value of your home, then you likely won’t have to take out mortgage insurance for the new loan at all. Likewise, if you can refinance with some government-backed loans such as those offered through the Department of Veteran Affairs or the Department of Agriculture, then you should be able to skip the mortgage insurance as well.
 

Increase Your Home’s Value

Another option for reducing or eliminating your mortgage insurance payment is increasing the value of your home. In some cases, this is simply a matter of having the property appraised again; there are a number of external factors that can affect property value, and if your property sees a value increase then you can use this to renegotiate your mortgage insurance rate. If that isn’t an option, consider home improvements or similar actions that will increase the value of your property so that you can get out from under that insurance umbrella.
 

Talk to Your Lender

If you aren’t sure what to do, talk to your lender and see which options are best in your situation. They may look at your mortgage payment history and other factors to help you find a way to reduce that insurance cost. They can also help you calculate your equity and see exactly how much more you’ll need to significantly reduce (or completely eliminate) your mortgage insurance obligations. If you’ve already built over 20 percent equity then you may be able to simply ask for the insurance to be cancelled in your first contact with the lender.
 

Ask the Experts

Since mortgage insurance costs can vary from person to person, it’s always a good idea to find a professional to advise you about your specific loan situation. Contact The Mary Gilbert Group at 541.371.5500 or [email protected] for ALL your Real Estate needs. 

 

By: Homekeepr, Rob Morelli

2129 Del Mar Drive: Beautifully Remodeled Sunnyslope Home!

by Mary Gilbert

Roseburg OR Real Estate For Sale
2129 Del Mar Drive, Roseburg, OR  97471

Beautifully remodeled Sunnyslope home is ready to be your Home Sweet Home! Enjoy the finest in one level living highlighted by waterproof laminate flooring, new carpeting, a new roof and gutters, efficient gas heat and water heater, vinyl windows, central air, front yard in ground sprinklers, plus SO much more! 2129 Del Mar Drive has it all! The beautiful kitchen is your first stop on this impressive home tour. Updated appliances, glistening countertops, a tile backsplash and an abundance of gorgeous dark cabinetry.  A large picture window fills the dining room with natural light for an appealing dining experience. The connecting living room is spacious with plenty of room for family and guests. Sliding doors lead to a fenced and terraced backyard. A whimsical covered, stamped concrete patio lets you take pleasure in entertaining and relaxing. Step up to the paver patio and enjoy an evening around the fireplace with s’mores. A basketball court, workshop and finished playhouse round out this exceptional outdoor space. Heading back inside, your growing family will appreciate the three generously sized bedrooms and updated full bath. Plush carpeting, plentiful closet space and cooling ceiling fans highlight the bedrooms. Appreciate lots of parking and an attached one car garage. With all this amazing home has to offer, it wont last long! Make an appointment for your private viewing 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.

Spruce Up Your House for Holiday Hosting

by Mary Gilbert


The holiday season is one of the most-traveled periods of the entire year. People drive and fly across the country or around the world to visit friends and loved ones. It’s wonderful to have those you care about coming to visit, but it can also be very stressful if your home is in disarray. Even though you tell yourselves that people won’t really care about what your home looks like, there’s always that fear that they’ll judge you if your house isn’t ready for guests.

 

You don’t have to worry, though. There are a number of ways that you can make your home more festive in preparation for holiday visitors. Here are just a few suggestions to help get you started.
 

Rearrange the Furniture

Even something as simple as rearranging some of the furniture can have a big impact on the look of your home when company arrives. Changing the positioning of couches, chairs and other large pieces can open rooms up and make them seem more inviting to your visitors. Best of all, you can easily focus the changes around a Christmas tree or other holiday centerpieces to really tie things together and create a unified holiday look. Once your guests leave, you can either move the furniture back to its usual spots or leave it where it is to keep the new look going throughout the year.
 

Clean Up the Outdoors

Another place that you can make a big impact is cleaning up around the outdoors. Rake and mulch leaves, clean up flower beds, trim back trees and bushes… do whatever needs to be done to get everything looking great before the temperatures drop too low. If possible, you may even want to clean the bricks or siding and clean out your gutters. While you’re up there, you may as well install some hangers for holiday light strings, too!
 

Update Your Accents

One seemingly small change that can make a big impression is to change the accent colors on your home by painting the doors and shutters. This option isn’t right for everyone since it’s a permanent change, but for those wanting to update the look of their home it can make a big difference. While the color you choose is dependent on the color of your home and your personal preference, going with red or green can add a splash of holiday flair that will still look great the rest of the year through.
 

Spruce Up the Floors

If your carpets are stained, worn or otherwise need a refresh, don’t just install a similar carpet in their place: Consider going for woodgrain vinyl slats or laminate wood flooring instead. These flooring options add the beauty of a natural wood floor without the frustration, standing up to stains and other issues while requiring significantly less work to maintain. Best of all, a change to a wood look near the holidays can enhance the charm of your home when your visitors finally arrive.
 

Change Your Decorating Style

Consider ditching the tired old holiday decorations that you put up every year and go with a bit of a different look this time around. If you usually go cartoony, consider something classier like white lights and pine accents. If your decorations are usually sparse, do something a bit more over the top this year. It doesn’t matter how you refresh your decorations, just give your visitors something to see that they haven’t seen before. While this is especially effective if combined with other updates to your home, you can still wow your guests just by subverting their expectations of your holiday décor.
 

Bring in the Pros

If you can’t come up with a solution you like, consider bringing in a decorator to help you find the holiday updates that work best for your house. 

 

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

 

By: Homekeepr, Saro Cutri

Exploring Roseburg Oregon: Harvest Party at SOWI

by Mary Gilbert


Saturday, November 9, 2019
12:00 PM to 4:00 PM

Harvest is coming to an end here at the Southern Oregon Wine Institute and we want to celebrate with you! Join us November 9, 2019 from 12- 4 p.m. Get ready for live music with Jason Heald starting at 1 p.m., free tastings with several guest wineries, local vendors, specials on cases and a free gift basket complete with wine glasses when you purchase 2 SOWI wines. Food and beer selections too. This is a FREE Event. Join us upstairs in the tasting room at the Lang Event Center at UCC.

Southern Oregon Wine Institute - UCC
1140 Umpqua College Rd
Roseburg, OR 97470

Courtesy of The Mary Gilbert Group

Photo Credit: AllEvents.in

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Contact Information

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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.