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Tuesday, July 3, 2018 - 7:00 PM

Enjoy beautiful Stewart Park and live performances this summer at Music on the Half Shell.  This annual event is free to all ages and offers a wide variety of music from just about every genre.  Larkin Poe has a rock ‘n’roll sound created by sisters who are multi-instrumentalists. Delicious food is available from local vendors or bring your own, just don’t forget to bring a blanket to sit on!

For more information call (541) 677-1708

Courtesy of The Mary Gilbert Group

Photo Credit: visitroseburg.com

0 San Souci Drive: Private 69+ Acres To Build Your Dream Home!

by Mary Gilbert

Roseburg OR Real Estate For Sale
0 San Souci Drive, Roseburg, OR  97471

Looking for the ideal location to build your dream home? Look no further – an amazing 69 acre parcel located in Melrose with beautiful wooded views awaits you! Utilities on site! Near end of road privacy with a home pad excavated and RV clean out by the existing shop with power and full bath with shower. Septic installed and developed pressurized spring. Approximately 30 acres recently logged with Doug Fir seedlings planted on approx. 22.9 acres approximately 2 years ago. Approximately 4.5 acres converted into pasture. Ask for details!

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.

 

5 Better House Painting Hacks

by Mary Gilbert

Owning a house can be a mixed blessing. On one hand, you have a place to sleep and eat and collect weird knick-knacks you bought off of eBay. On the other, you sometimes have to take on projects that are simple, but overwhelming. Repainting your house, for example, is a big, messy job, though the techniques don’t necessarily require years to master.

House Painting Hacks

The word “hack” is kind of loaded. To some, it means cheating your way to success, to others it can be code for “low quality work or unadvisable actions.” Since you don’t really need either of those things to have really good results from your paint job, replace the word “hack” in your head with “tip.” After all, you should listen to tips, they’re helpful.

Without further ado, five tips for your big paint job this summer:

Prepwork: The Biggest Hack of All

“But wait, prepping isn’t painting,” you just shouted at the screen. It’s true that your prep isn’t actual painting, but the fact is that prep work is everything. Without good prep, you might as well not bother with the painting because the lack of prep work will show. Depending on which area of your house you’re painting, here are a few prep items to get you started:

Outside
* Go over all the painted areas, even on windows, with a metal putty knife or 5-in-1 tool to get rid of all loose paint chips. If you’re dealing with lots of layers and they’re flaking randomly, use a pressure washer set around 2,500 PSI to blast the paint away.
* Remove and repair any rotted window sills or siding now, before you paint. Make sure to apply a coat of primer to them once they’ve been put in place.
* Paint stripper can be useful to get paint off of finely detailed trim pieces that you risk damaging by power washing.

Inside
* Paint a test area on popcorn ceilings before doing a whole room. Sometimes, they’ll slough off, leaving you with a mess–better to know before you’re in elbow deep.
* It’s not enough to just patch holes, you also must sand them. If drywall seams are bothering you, the same rule applies after you’ve skim coated them with additional joint compound.
* Clean walls thoroughly. A once-over with a broom followed up by a pass with an electrostatic cloth mop will grab all the dirt, helping you create the perfect paint job.

Painting on the Dark Side

Painting your house is important maintenance, but it can also be a difficult one in the summertime. When you’re ready to paint, really ready, start on the dark side of the house. As the sun shifts, so should you. This will give you the most time to work with wet paint, helping you to avoid dried-on drips and visible brush strokes. Treat your primer just like your paint and circle the house with the sun when applying.

Improve Trim Appearance By Reducing Strokes

Painting trim should be a challenge to see just how little you can touch it. The end result will be a smoother finish with fewer brush strokes. Work in small sections, no more than about 18 inches long. Start your paint work by loading the brush on the heavy side, then wipe as much paint onto the trim as possible. Level the blob with just one or two strokes that fill into the previously painted section.

Paint Brush Storage

Whether you’re going to lunch or just taking a break to heed Nature’s call, there are going to be times that you really don’t want to bother to clean your brush just to stick it back in the same color paint again. Desperate times call for desperate measures. There are various tricks for this, these are our favorites:

* When you paint, wear disposable gloves. If you need to pause, just grab the brush bristles with one hand and turn the glove inside out until it covers. A quick knot will keep that brush ready to go again.
* Ziptop bags are great for taking a lunch, but they can also be used to keep brushes wet. Just snip one corner open to the width of the handle, slip the brush in, burp the bag and zip it up. Problem solved.
* Between coats, you can drop brushes into water that reaches to the handles or higher (don’t mix colors, that’ll make a mess). When you’re ready for the next round of painting, swish the brush around in the water to get most of the thin, wet paint out and then use a paint brush and roller spinner to spin out the water. Do the spinning outside or deep in a tall bucket to avoid getting paint water everywhere.

Catalog Those Paints!

Hey, this may not sound like a useful thing, but will you really remember the color you used on the trim work on your house in five years? Be honest here. Cataloging the paint you’re using, including manufacturer, formula, name and a photo of what the finished result looked like fresh will help you immensely should you need to touch the paint up before the next big repainting job. If you used the paint in more than one place, note what areas were painted, as well.

Some pro painters make custom labels for the can they leave behind for touch-ups that contains excess paint. These labels includes detailed information about the paint color, sheen and so forth. You have a computer, you could do the same if you really want to keep it organized.

Ready To Paint?

When you’re ready to get on that painting project, be safe and have fun. Even a bad paint job is better than a day at work, isn’t that how the saying goes? If you find that the prospect of painting your house on your own is just too much to handle, set that stress aside and log in to HomeKeepr. The marriage of tools, tech and the best pros in their field make it easy to get the painter you need on the job fast.

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

By and photo credit: home.homekeepr.com

Pros/Cons of Assumable Mortgage

by Mary Gilbert

It’s the little things that really matter sometimes. The cherry on top of a sundae, the light scent of gardenia on a warm spring breeze and a mortgage that’s assumable are each all about the details, and are sometimes overlooked by people who are in a hurry to get from Point A to Point B. But that assumable mortgage may make your home more competitive if you’re a seller or save you a bundle if you’re a buyer.

What is an Assumable Mortgage?

All mortgages are structured uniquely, such that the majority of any payment made before about halfway through the loan is interest (depending on your down payment and rate), so it would naturally follow that some people would want to shortcut this early period and get on to paying on the meat of the loan. The buyer would then take over the payments from the seller, without the loan changing terms at all. This is, in essence, how an assumable mortgage works. The buyer will also have to bring some amount of money to closing, either in the form of cash or a secondary mortgage loan, to compensate the seller for the remaining value not covered by the assumed loan.

Assumable mortgages can be of any variety, depending on the age of the loan, but the ones you’re most likely to see today are FHA, USDA or VA-type mortgages. To qualify, a buyer still has to meet all the same requirements that the seller had to meet in order to get their mortgage. This wasn’t always the case, but is today.

And although rates are still fairly low right now, in the 4.5 to 5 percent rage, over the next few years several rate increases are anticipated. That means that your mortgage terms themselves might be worth something when you go to sell your home. Provided your buyer can qualify for your loan and come up with the cash it takes to make the total meet your home’s value at the point of sale, you could find yourself with a more than full price offer, or even multiples, just by making it known that your loan is assumable and you’re ok with letting someone take advantage of this feature.

Why Would a Buyer Want an Assumption?

This is a bit of a trickier question, which will require a chart. Let’s say that your mortgage rate is 3 percent on a 30 year fixed note. You’ve had this loan for five years, but it’s time to move on to a bigger home, you had no idea you were going to have triplets when you chose this house! A buyer comes along when rates are at 4.75 percent and wants to assume your mortgage and pay you a total of $250,000 for your place. So far, so good.

This is what the picture looks like for the buyer:

Assuming the buyer’s first payment on the assumed note is number 61, they’ll immediately pay almost $500 of the principle down. If they had taken out their own note, totally ignoring the additional mortgage insurance and upfront mortgage insurance that an FHA would require, they’d only pay down about $400 at this same point (which is five years down the road, remember). They’d also pay almost $350 more in interest.

Keep in mind that the payment at 4.75 percent interest is also higher, but when the higher payment is paying less of the note off each month, there’s nothing about that that makes it a good financial move. If the buyer did manage to pay their note all the way off, they’ll find that they paid $68,552.79 more in interest alone by choosing to get a new loan.

Provided the additional funding required to secure this home wasn’t cost prohibitive, it just makes good sense for a buyer to want to assume a loan. Beyond the savings mapped out above, their closing fees will be considerably smaller, making the net gain even larger.

Of course, both buyer and seller should discuss this with your lender or financial planner to be sure that it’s the right decision for them and their financial pictures.

The Seller’s Side of the Assumption Equation

For a seller, the picture is a little different. Although it doesn’t cost you anything to start the assumption process, it can get ugly if a seller doesn’t know to protect themselves and a buyer ends up defaulting on their assumed loan. You must make certain that you’ve signed and received back a fully executed (all parties have signed it) copy of a release from liability form. Remember, the bank has to also agree to these terms.

Beyond that, it can be a good deal for you as the seller, too. You’ll get a big chunk of cash, you’ll be free of your mortgage so you can buy something a bit roomier or closer to work. Assumptions can be tricky to close, but the more that are closed in the coming years (and there are likely to be a few), the easier they’ll get because everyone will be on the same page.

Note: If you’re a veteran with a VA note that you’re trying to sell to a buyer who wants to assume, the mortgage will retain your entitlement. This is why it’s important to only sell with an assumption to another veteran. With another vet in the equation, the bank can exchange your entitlement for that of the new borrower, allowing you to buy again using a VA loan.

Assuming I Want to Assume, Who Do I Call?

If you’re interested in talking more about assumable loans, as a buyer or a seller, just log into your HomeKeepr community. The lenders and financial planners in our little family come highly recommended by your Realtor and they know their assumptions.

By and photo credit: home.homekeepr.com

Roseburg OR Real Estate For Sale
735 SE Lanola Street, Winston, OR  97496

If you are looking for a move-in ready, like new home, this is the property for you! Welcome to 735 SE Lanola St in Winston, OR.  Located in an area of newer homes, it boasts an airy and open split-bedroom floor plan offering the desirable combination of space and privacy. Modern and durable laminate flooring, soaring high ceilings, a stylish kitchen, tasteful paint colors and recessed lighting are just a few of the features that give this home a lovely aesthetic that is sure to impress. The large great room feels even more spacious thanks to the vaulted ceiling and natural light flowing in through the sliding glass doors and picture windows overlooking the backyard.  Open to the charming kitchen, it is ideal for family gatherings. Beautiful granite counters are the highlight of the kitchen which has an abundance of cabinets including a pantry. The breakfast bar is perfect for casual dining.  And you will love the adjacent dining area for more formal dining experiences.  Escape to the peace and quiet of the tranquil master bedroom with attached full bath and sizable walk-in closet.  Two additional bedrooms that are generously sized and a full bath with tub/shower combo complete the living spaces in this fabulous home.  A roomy laundry and an attached two-car garage provide convenience and tons of storage.  With impeccable landscaping, in-ground sprinklers, a fenced in yard and spacious deck, this property has superb curb appeal.  Built in 2016, this gorgeous home is a dream come true for the right buyer!

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.

Exploring Roseburg Oregon: Summer Arts Festival

by Mary Gilbert

June 22 - June 24

The Umpqua Valley Arts Association is proud to present the 50th annual Summer Arts Festival. Situated in Roseburg’s beautiful Fir Grove Park, the golden anniversary of the festival will treat thousands of visitors each day to the Land of Umpqua’s abundant creative talent.

Bring our friends, listen to some great music, grab a bite to eat at the McMenamins Food Court, and browse the artwork & crafts of over 100 local artisans. Perfect for families to spend a summer day together having fun!

The festival will be open Friday from 12-9 PM, Saturday from 10 AM to 9 PM and Sunday from 10 AM to 4 PM.

For more information call (541) 672-2532

Courtesy of The Mary Gilbert Group

Photo Credit: visitroseburg.com

Roseburg OR Real Estate For Sale
141 Clear Lake Street, Oakland, OR  97462

Gorgeous Lakeview Estates custom built home offering the finest in one level living! Inside, soaring high ceilings, easy care flooring, recessed lighting, modern fixtures, a gourmet kitchen and a sun filled open concept floor plan highlight 141 Clear Lake Street! Vaulted ceilings, a gas fireplace, built in bookcase and lake views create an elegant and comfortable atmosphere in the great room. Get inspired in the connecting kitchen with glistening granite, large island with bar seating, a tile backsplash, a gas range and an abundance of cabinet space - the perfect combination of style and function! A large walk in pantry and separate laundry room provide tons of extra storage space. Large windows fill the dining area with natural light creating an appealing space to entertain guests. Double doors invite you into the soothing master suite. A front nook is perfect for a home office or reading area. Plush carpeting, patio access, a walk in closet, his and her vanities and a walk in shower create a sweet retreat! Two secondary bedrooms and a lovely updated full bath provide room for your growing family. Appreciate the beautiful curb appeal, raised garden beds and the added bonus of lake frontage to enjoy from your oversized, covered patio and fenced yard!  Exceptional outdoor living! An attached 2 car garage, gated RV parking and a detached shed add to the many desirable features offered! Do not hesitate, this move in ready beauty will not last!

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.

Roseburg OR Real Estate For Sale
130 SE Gregory Drive, Winston, OR  97496

Calling all investors! Opportunity is knocking! 14 units total! 3 Fourplexes and 1 Duplex! Also includes an adjacent tax lot with outbuilding for storage that is a buildable lot with water and sewer. Seller is in process of deck repair and exterior paint. All units have covered parking and upper units have balconies. Washer and dryer hookups for each unit. Per seller roof replaced in 2012. Call today for your private showing!

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.

Duct This! 7 Things Your HVAC Contractor Wishes You Knew

by Mary Gilbert

As the weather heats up, so does your house. And while lazing outside in the sunlight makes for a delightful afternoon, lying around in the stifling heat caused by a broken HVAC system—or one that just isn't operating at full capacity—is anything but fun.

If your nights are sweltering or your house is an icebox by day for no good reason, your AC could be poorly installed—or maybe entirely wrong for your house.

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To the rescue: an HVAC contractor. These experts do more than just plug in a box that magically keeps your home at the right temperature. Making the most of HVAC systems is a specific skill, says Jeremy Anderson, the general manager at Aire Serv Heating and Air Conditioning in Las Vegas.

Whether you're fixing a system flaw or upgrading your unit to ensure perfect comfort, here are a few things HVAC contractors wish you knew.

1. Choosing the best HVAC system requires serious deliberation

Selecting the best HVAC setup for your space isn't as simple as ordering from a restaurant menu.

"People get stuck on the idea that, 'It's a box, you plug it in, it goes,'" Anderson says. "People don't realize that there are so many options when it comes to your home comfort system."

For instance, you'll want to think about zoning capabilities, which can help heat or cool persnickety rooms. (Like your no-window den, which always feels a hair too cold.) Or you might want to add an air purifier, a smart thermostat, or a high-efficiency furnace.

Before you invite a contractor over for a quote, consider what your current HVAC system offers. What's working for you? Which rooms are too cold—even during summer's doggiest of days? Which ones get boiling hot when you close the door?

In particular, Anderson recommends taking an "honest, hard look at your power bills." If you're looking to lower your costs, focus on energy efficiency. But if you want a more powerful system, you need to be prepared for your bills to shoot higher.

2. 'Done right, any brand can purr like a kitten'

When you're shopping for a new HVAC system, there are probably a few brands that come to mind. But there's no gold standard here, Anderson says, so don't put too much weight on name value.

"Brands all one-up each other in one area or another," he says. "So much of it is tied to installation. You can take the 'worst' brand, give it a proper installation, and it will work beautifully. Done right, any brand can purr like a kitten."

3. When it comes to HVAC contractors, you get what you pay for

HVAC systems aren't known for being easy on the budget; a brand-new system could easily cost up to $13,000—or more. But resist the temptation to hunt high and low for the cheapest technician.

"This is not just plugging in the box—there is a craft," Anderson says. "The old adage will always ring true: You get what you pay for."

As with all contractors, get multiple quotes before committing to a company. Don't skip the online research, and talk extensively with your installer about the process and procedures. Good contractors will be happy to explain why they charge more for installation than their competitors—and comparing those answers might help you choose between similarly priced companies.

4. HVAC is an art—and a science

If you're hiring someone to install a brand-new system in a home without an existing HVAC system, it's important to look for both experience and expertise.

"It's a real design process," Anderson says. "If someone says, 'Yeah, I can come in and slap something in,' that should be a huge red flag."

When putting together a system, installers will need to consider variables such as the duct system, the local building codes, and your electrical panel. Knowing how much load the existing panel can handle—and how much it will need to change—requires careful calculations. The best installers will carefully pick and design a system that keeps your house consistently at the right temperature.

5. A bad installation will cost you cash

If you understand your electric bill before upgrading your HVAC, you can quickly determine if something went wrong during installation. Yes, your power or gas usage might increase—but if it increases a lot, your new HVAC may have been installed incorrectly.

The issue is in the load calculations, or determining exactly how strong a system your home requires. For instance, an HVAC system designed to cool a 1,250-square-foot house will be working overtime trying to chill your 3,000-square-foot home.

Too big is bad, too.

"An oversized system will short-cycle and not allow the compressor to run properly," Anderson says. In this case, a system designed to cool a 3,000-square-foot home—but installed in a 1,250-square-foot home—will be constantly cutting off midcycle as the home cools too quickly. That's hard on the HVAC system, and can decrease its life expectancy.

These issues are precisely why hiring an experienced and skilled contractor is so important.

"The system has to be designed for that house and how that system will be used," Anderson says.

6. Spring is the best time for an upgrade

Once hot weather hits, it's also officially hot season for HVAC contractors. Trying to upgrade your system during the summer slam may mean a long wait. Anderson recommends assessing your system in early spring to make sure you're cool in July.

Every year, take stock of your HVAC system once the flowers start blooming. Making necessary repairs as quickly as possible ensures you'll be comfy and cool all summer long.

7. HVAC contractors are smarter than you might think

"The misconception is that HVAC technicians are just that—technicians," Anderson says. "These guys may be unusual characters, but the best are super smart, and I don't think they get enough respect from people."

Installers need to be certified to handle refrigerant, capable of calculating electrical load, savvy enough to design smart systems —and handy enough to install the system itself.

When your contractor shows up, make sure to give the pro due respect—and in return, you'll stay comfy and cozy all year 'round.

By: Realtor.com, Jamie Wiebe

190 Clear Lake Street: Lovely Three Bedroom Ranch!

by Mary Gilbert

Roseburg OR Real Estate For Sale
190 Clear Lake Street, Oakland, OR 97462

Welcome home to 190 Clear Lake Street, a move in ready ranch in lovely Lakeview Estates! Durable tile floors, high ceilings, neutral colors, central air, plus 3 bedrooms and 2 full baths highlight this open concept floor plan perfect for entertaining and family function! Vaulted ceilings create an appealing and comfortable atmosphere in the spacious living room. The connecting kitchen provides an oversized breakfast bar, full appliance package, an abundance of cabinetry and sun filled dining area. Vaulted ceilings continue into the soothing master suite with a walk in closet and private bath. Two secondary bedrooms are outfitted with plush carpeting, ceiling fans and lots of closet space, plus a shared full bath. A large laundry room helps keep things organized and tidy. There is plenty of room to run and play in the large, fenced backyard, plus manicured landscaping and stone accents. Plenty of storage for all your tools and toys, including the leaf mulcher that stays with the property, in the detached shed and attached 2 car garage. Relax after a long day on the covered patio in the soothing hot tub! There is a community lake and walking trails for your enjoyment. Make your appointment to see this lovely Oakland, OR home!

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.

Displaying blog entries 1-10 of 27

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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.