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Displaying blog entries 1-10 of 27

Roseburg OR Land For Sale
850 W Kenwood St, Roseburg, OR  97471

 

Two for the price of one! This lot has two parcels that are each zoned for residential. One at .40 acres and one at .69 acres. Both lots are flat and ready to be built on. All utilities are on the road and no new transformer is needed. A small road to the lots needs to be built. Located in an excellent neighborhood, in the city with views of the trees and mountains. Great investment property for builders.

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.

485 Orchard Lane: 2 Acre Building Lot in Desirable Melrose!

by Mary Gilbert

Roseburg OR Land For Sale
485 Orchard Lane, Roseburg, OR  97471

Desirable Melrose location to build your new home! This 2 acre building lot sits back from the roadway and is mostly usable. Septic is approved and power available. Enjoy the nice mountain views. Start dreaming about what life could be in your custom home in beautiful Roseburg OR!

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.

473 Orchard Lane: Build Your Dream Home Today!

by Mary Gilbert

Roseburg OR Land For Sale
473 Orchard Lane, Roseburg, OR  97471

Enjoy lovely mountain views from this 2.01 acre building lot in desirable Melrose! Let your imagination run wild while dreaming of your custom home!  The property is pasture and all usable. There is an old barn, ubw available, and power available. Start living the good life in Roseburg, OR!

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.

479 Orchard Lane: Melrose Building Lot for Your Dream Home!

by Mary Gilbert

Roseburg OR Real Estate For Sale
479 Orchard Lane, Roseburg, OR  97471

Build your custom home or new manufacture home on this 2 acre lot in desirable Melrose. Standard septic approval and power is available. The property is all usable with nice mountain views. It is time to start living the life of your dreams in beautiful Roseburg OR!

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.

How Long Will Your Home Last?

by Mary Gilbert

Unless you’re buying a newly constructed home, you should be aware in your new abode of the ages of different elements. The National Homebuilders Association conducted a survey of different manufacturers to determine just how long components of a house lasted with normal use.  This information can be a very useful guide to every homeowner: 

 

General House Components 

  • - Masonry, including foundations, chimneys and fireplaces can last over 100 years.  If you live in an older or historic home, pay close attention to and repair damage to mason work, especially if it’s in the foundation. 

  • - A house with good bones can last an indefinite amount of time, which is evident when you tour historic neighborhoods.  The framing and roof trusses of a house can last many years with proper care. 

  • - The lifespan of your roof depends on the material; shingles are made to last 20-30 years, determined by material make-up, and stronger materials such as copper and slate can last up to fifty years. 

  • - Most exteriors, vinyl, wood, stucco, etc., and interior walls that are well-maintained can last the life of the house.  Wooden windows have a life expectancy of 30 years, while aluminum windows will survive 15-20 years. 

  • - Floors are normally made of strong wood or wood composites and should last upwards of fifty years. 

 

Kitchen 

  • - Your cabinetry takes a lot of abuse, but well-constructed cabinets will last fifty years. 

  • - The sink’s lifespan depends on the material, and can last a lifetime.  Faucets, however, will work well for fifteen years or so before needing work or replacement. 

  • - A dishwasher used regularly will function well for about nine years. 

  • - A gas stove seems to last longer than electric ranges, about fifteen years versus thirteen years. 

 

Bathroom 

  • - Toilets, bathtubs and sink are made to last a lifetime, even though some of the working part need work or replacement over that lifetime. 

  • - If your tub is enclosed with shower doors, they should serve you well for twenty years. 

  • - A tub with jets will last at least twenty years, once again, depending on use. 

 

Major Appliances 

  • - The whole-house system you use to heat and cool should give fifteen years of service before needing some attention or replacement parts. 

  • - You can expect your hot water heater to last about ten years, but a tankless heater can last twice that long.   

  • - Most washers and dryers will do your laundry for up to ten years. 

 

There are many more components to your new house, and MetroHome’s website offers the full NAHB survey including doors, paint, and specific types of flooring, among other things.  If you’re not sure of the age of an item in your home, call a trustworthy expert who can inspect and offer some advice.  A well-taken care of home can last many years, and not only maintain its value, but shelter you and yours for a lifetime. 

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

Photo credit: interstatebrick.com

Roseburg OR Real Estate For Sale
871 Sand Pines Avenue, Sutherlin, OR  97479

Proposed home in desirable Fairway Ridge! The Aspen floor plan offers a single level 3 bedroom, 2 bath home loaded with upgraded features! An open concept, high ceilings, gleaming hardwood floors, energy efficiency and an attached 2 car garage. A gourmet kitchen where style and function are fused together is highlighted by granite counters, timeless classic cabinetry, gas appliances and an eating bar open to the great room. This open space is perfect for a growing family or entertaining guests. Toast your toes by the cozy fireplace or meander out to the patio off the dining area. At the end of the day retire to your lovely master suite and pamper yourself in the spa-like bath with dual vanity and walk in closet. The two secondary bedrooms offer plush carpeting, abundant closet space and a shared full bath. A spacious laundry room with tile floors and built ins helps you keep things organized. Enjoy plenty of room for a spacious yard, garden & more! More lots and floor plans to choose from!  

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: Myrtle Creek Summer Festival

by Mary Gilbert

Join us for entertainment on stage, 65 vendor booths, Fear Factor (like on TV) competitions, Lumber Jack Show, 4x4 races and so much more!

Location: Millsite Park  in Myrtle Creek, OR

Thursday, July 26 - 4:00 PM to 10:00 PM
Friday, July 27 - 10:00 AM to 11:00 PM
Saturday, July 28 - 10:00 AM to 11:00 PM

No pets allowed with the exception of seeing-eye dogs.

For more information call (541) 863-5073

Event Website

Courtesy of The Mary Gilbert Group

Photo Credit: facebook.com

1649 SE Booth Avenue: Daylight Ranch on Corner Lot!

by Mary Gilbert

Roseburg OR Real Estate For Sale
1649 SE Booth Avenue, Roseburg, OR  97470

Corner lot, large covered deck, RV parking, fenced yard. Home is being sold AS-IS. Rehab loan or Cash only.

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.

Mortgage Brokers VS Mortgage Bankers

by Mary Gilbert

You’re just swinging in your hammock on a sunny summer day when an ad pops up on YouTube for home equity loans. It sounds like a pretty good deal and you have been wanting to put a pool in for years, but it’s a bank you’ve never heard of, and a quick message to your group chat reveals that no one you know has, either.

What you might have witnessed was an advertisement for a mortgage broker. Like a mortgage banker, a mortgage broker can find a mortgage loan for your situation, but that’s where the two start to diverge.

Brokers and Bankers and Mortgages, Oh My!

Let’s start with some simple explanations just so we’re all on the same page.

Mortgage Bankers are people who work for a specific bank, like Main Street Bank USA, and help customers of the bank (and potential customers) apply for mortgages that Main Street Bank USA funds. They only write loans for their employer, except in a few special cases. They’re typically paid a salary by the bank they work for, whether your loan is $50k or $500k.

Mortgage Brokers, on the other hand, have permission to sell loans from a portfolio of wholesale investing clients. These may be traditional banks like Big Bank USA (these are fake banks, just so we’re clear), or they may be investment groups like In It For The Interest, LLC. There’s nothing inherently wrong with this, but because a broker makes their money solely on commission, unscrupulous ones may be tempted to put their own interests above yours. Always vet any type of lender, for peace of mind, if nothing else.

How Mortgage Bankers Work

Mortgage bankers may have a more limited product line they can use to finance your home-related loan, but they have a great deal more control over them because all the underwriting is done within the bank itself. Your local branch might not originate loans, but there’s someone nearby that your banker can call to check status and collaborate with to solve problems like a loan that you’re all by a hair’s width from being able to qualify for.

When a banker takes your application, they may literally forward it to the next room, where local people get to work to verify your income, length of employment and so forth. If you have your checking account with the same bank, you can often skip the tedious submission of income document after income document, since they can pull a lot of information from that checking account.

When the underwriter is comfortable that you’re able to qualify for the loan you’re seeking, they call the title company that you (or you and the seller, in the case of a purchase) agreed to use. They probably already have a relationship with this company since it’s nearby. When they send documents over, the title company doesn’t wonder what to expect from your closing.

How Mortgage Brokers Work

Mortgage Brokers take your application up front, then shop their lenders to see who can make you the best loan based on your credit history, income and desired loan amount. Often, brokers can do things that bankers can’t, even though a banker knows the loan originator by their first name. For example, helping people with troublesome credit is sometimes an area of specialization for brokers. They have access to all sorts of unusual loans that can turn a hopeful into a homeowner, or at least a pool owner.

This is both bad and good. On one hand, you got a loan — woohoo! — but on the other, you’re going to pay for it. These kinds of loans are rarely cheap because the broker’s fees have to be figured into the equation somewhere. Remember, they get paid on commission, not on salary. A normal broker fee can be as much as two percent of your loan amount.

When a mortgage broker pulls off a miracle you were really counting on, though, that two percent seems pretty cheap. Really, it’s all relative to your needs and what’s realistic for your financial situation. Before you choose a broker, make sure that you’ve really vetted them because each company and broker can be as wildly varied as the portfolios they have to sell. Ask around, check online reviews, ask your Realtor their opinion. Chances are good that someone knows a reputable broker that they can set you up with rather than letting you jump in blind.

Which to Choose… and Where to Find Them?

If you’ve decided that you’re absolutely committed to putting in that pool this summer, you’ll need a reputable lender to help you finance all the cement and whatnot. Luckily, both mortgage bankers and mortgage brokers are members of the HomeKeepr community! Log in to see who your Realtor recommends and then give them a call. You’ll save time in lender meet and greets, letting you trade that hammock in for a pizza slice shaped raft sooner.

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

By: HomeKeepr

Roseburg OR Real Estate For Sale
300 Thora Circle Drive, Winchester, OR  97495

A spacious corner lot with manicured landscaping and a circular drive set the backdrop for this one of a kind Saddle Butte home on desirable Thora Circle! This beautiful ranch is loaded with upgraded features and tasteful amenities including heated tile floors, a gourmet kitchen, gas fireplace, recessed lighting, neutral colors and 3 bedrooms, 2.5 bathrooms sprawled over 2200+ square feet of the finest one level living! The sunken living room is filled with natural light through a wall of windows. The connecting dining room sets the scene for unmatched entertaining! Granite counters, a center island, gas appliances, an abundance of cabinetry and a pantry highlight this stylish and functional kitchen. The connecting family room with a cozy brick fireplace and patio access allows you to socialize with your guests or watch the kids while preparing a meal. Plush carpeting, abundant closet space, dual vanities, a make up table and a tiled walk in shower create a master suite sure to relax and pamper you. Two secondary bedrooms, a full and half bath, and spacious laundry room with sink and cabinetry complete the interior of this exceptional home! Enjoy outdoor entertaining and family fun on the huge partially covered patio overlooking your fenced backyard. An attached 2 car garage, plus a finished detached shop is perfect for all your hobbies, tools and toys. Homes like this do not last long – 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.

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

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