Tindall Top 3 – Micro Climates

You’ve probably heard of micro climates before but don’t think twice about it. But, when we’re talking real estate, it may be something you should consider. Find out below what exactly a micro climate is and why they are important when making your real estate decisions.

 

 

What Is A Micro Climate?

A micro climate, by definition, is a small-scale area that experiences a different climate than the surrounding area. The micro climate will have a small variation of temperature, snowfall, rainfall, wind or humidity. Although it’s only a small variation, it is noticeably different. They will typically occur due to features in the landscape such as mountains, elevation, and bodies of water.

One example of a micro climate is a forest. Under the canopy of trees it is typically colder, wetter and has different soil compared to the area surrounding the forest. If it wasn’t for this micro climate, many organisms wouldn’t be able to survive. A second example is a large urban area. There are many factors that affect the micro climate in a city, it is typically warmer due to the building materials that absorb heat and the tall buildings alter the wind flow.

Micro climates are essential to support unique ecosystems all over the world. You have likely noticed a micro climate, even if you didn’t know what it was, as you were walking through a mountain meadow, valley, or marsh. They all work together like patches on a quilt to create the climate on the continent and throughout the entire globe.

 

Do We Have Them?

We do, in fact, have micro climates all over North Idaho. Because we have a higher elevation, are surrounded by mountain & bodies of water and also have valleys, we have many micro climates in a small area. Back in 2005, 27 different micro climates were identified. The biggest and most noticeable micro climate is a snow belt. This is an area where that’s consistently getting more snow than the surrounding area. We have many snow belts in Northern Idaho. Some are naturally occurring due to the higher elevation and proximity to mountain, whereas others are due to higher population in one area which cause the average temperate to rise.

 

 

Why It Matters In Real Estate?

Wouldn’t you want to know if you were purchasing a property that will have consistently longer and colder winters. Or one that will have a higher average temperature? This is important and necessary information to have when deciding on a home purchase or the area you’d like to live. That’s where we come in! We know the area and many of the micro climates, we can steer you in the direction you need to live based on the climate you’d like to live in.

 

 

Credit: Science.jrank, Cd’A Press

Posted on March 25, 2020 at 9:31 pm
John and Tracey Tindall | Category: Best of CDA | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Spring Home Maintenance

If you’re like us, on the first day of spring you’re still waiting for the snow to melt so you can get on with enjoying spring properly. We’ve provided for you a quick home maintenance checklist of things to look over after a long winter.

 

Gutters

roof gutter home house water investment

Your rain gutters are designed to direct water away from your house. A yearly inspection for damage and improper drainage will help you keep your home from dreaded water damage. Image by Felix Ulich

Fall loves to dump leaves all over your roof and winter likes to cement them in your gutters. In early spring the freezing and thawing can cause the watery leaf dam to expand and crack your gutters and down spouts. Keep this frost heaving in check by cleaning out leaves as soon as you can. If you didn’t catch it in time, the spring is a great time to inspect for damage and get it replaced, if needed.  Remember, water that isn’t directed away from the house can permeate into your foundation causing loads of problems down the road, that is why it’s important for gutters to work properly.

 

 

 

 

 

Chimney

chimney roof break broken diy investment inspection

Lots of snow and strong winds can compromise your chimney and other brick work that your home might have. When you can safely get on the roof, inspect for water intrusion or any misplaced and ill fitting bricks. Image by AxxLC

Chimneys stick out like a sore thumb on the top of your house. That means they’re especially vulnerable to the wind and inclement weather of North Idaho winters. There are some chimney features that really need to be inspected after a winter. Check for obvious problems like bricks that look out of place or… if it’s fallen down. That’s a good indicator of a problem. Check the flashing at the base of your chimney. That’s the thin sheet of metal that keeps the water from puddling and directs it down the roof. Furthermore, a periodic cleaning of the inside bits will make it firstly, more efficient. And secondly, safer.

 

 

 

Siding

After a damp fall and winter your siding will most likely accumulate mold, mildew and dirt. You can easily fix this with a pressure washer. If you don’t own one, they cost maybe $30 to rent for a day. When you hose your house down, two magical things will happen: you will experience the oddly satisfying pleasure of pressure washing and your house will look brand new. Seriously.

Some of the worst areas are under eaves and near downspouts. Any stains and mold in these places definitely indicate that there is a problem with how your gutters are handling roof water.

 

Foundation

Remember when we said that water can permeate into your foundation and cause problems? Ground water is no joke and can completely compromise your home’s structural integrity. Concrete is porous and readily holds water and that water will cause the concrete to break down over time. If you live in areas that get cold, you also run the risk of frost heaving. Both of these scenarios will cause your foundation to crack, or your home to be unsettled and shift.

The spring is your first opportunity to check your foundation for any problem areas. We recommend checking near downspouts and areas that tend to be waterlogged.

 

 

Roof

roof house moss mold investment diy clean

Unless your roof moss problem is a wild animal, a simple gentle scrub with soap and water should fix your fuzzy roof. There are chemicals available at home improvement stores to make this process easier. Image by RitaE

Shingles, slate and other roofing materials are not indestructible. While you’re already on the roof checking out the smokestack and gutters, give the roof a good look over. Look for out-of-place shingles, sagging spots or raised shingles. Water will get in any way it can. Your vigilance will keep your roof at the apex of its abilities.

Additionally, check for moss or other organic material. Moss holds water like a pro and the last thing you want is water perched on your roof waiting to find a way in.

 

 

 

 

Lawn

grass lawn green landscape landscaping home yard

Feed your lawn with a fertilizer of your choosing to give your turf a head start this summer. Image by Hans Braxmeier

We have tons of leafy beautiful deciduous trees in our yards. Every spring, without fail, we find clumps of leaves we missed before the snow fell. When the snow is gone, go clean them up. Debris that is left on turf for too long will suffocate and deprive grass of valuable sunlight.  This is also a perfect opportunity to rake and fertilize your lawn and give it the best fighting chance for yard of the month.

 

 

 

 

Planting/Gardening

Spring is a great time to get started on getting the flower beds ready for the months of upcoming growth. After winter, your soil will be dried and packed, best to revitalize it with some compost or manure. This will increase the health of the soil and in turn, your plants. Trim up your existing shrubs and plants to allow for new growth. It is best to wait until mid-April or May to do this. If it’s still getting too cold for plants to survive overnight, start seeding indoors. Vegetables and annuals can be started indoors 6-8 weeks before planting them. Once soil temperatures have reached the optimal temperature for your plants, get them in your prepared soil outside. Some recommendations for good spring flowers/scrubs include the following:

Put manure & fertilizer in your soil to keep your plants healthy in summer months

Pansies

Snapdragons

Vegetables like lettuce, peas and arugula

Redbuds

Transplanting tomato plants from indoor pots to outside

Lilacs

Tulips

 

 

 

Pests

Many pests and critters breed in spring. You can help keep them in check by cleaning the places they would typically habituate. That includes basements, window sills, under cabinets, behind appliances and ceiling corners, just to start. Prevent unchecked population growth by getting rid of the dust and debris that would typically provide shelter. Keeping your counters and trash bins clean will offer less food to the critters. If you’re more concerned with poisonous spiders or the bugs are taking over, call the pest exterminators!

 

Energy Rating

This winter, we found tons of drafts and cold places throughout our house. This is not good. Remember, air is small and goes wherever it wants. Including your bathroom windows and under your front doors. You get the idea, and just think of all the dollars you are literally letting slip through the cracks. My dad always used to yell “Close the door! We’re not heating the neighborhood!” Turns out that if you don’t repair the seals and weather strips, you are- in fact, heating the neighborhood.

Also. Bugs are small, they too come through the cracks. See above.

 

Climate Control

Your furnace was crucial during the winter and fall. Your AC will probably be a close friend during the summer. Take care of your friend before its in the triple digits. There are some really easy preventative maintenance tasks that you can do, or if you don’t feel confident- call an HVAC technician to service and inspect it.

Some easy things you can do: clean and/or replace your air filters, check hose connections for leaks, dust/blow off/ vacuum dirt from fans & electronics and check drip pans.

Click here for a Printable Checklist!

Posted on March 16, 2020 at 7:57 pm
John and Tracey Tindall | Category: Helpful Tips, Home & Projects, Spring | Tagged , , , , , , , , , , ,

How To Stage Your Home To Sell

Should I stage my home? This may be one of the most frequently asked questions when a person is putting their house on the market. This question is often followed by, How? There are many things to consider and we’re here to help! Check out some tips below to get your home staged to sell.

 

 

1. Clean and RepairImage result for cleaning a home

Starting with the most obvious first, you want to make sure your home is sparkly clean with nothing damaged. Put your home’s best foot forward with a good cleaning. If your home is large or you don’t have enough time, you could always hire a pro. Also, be sure the outside of the home is cleaned in both the back and front yards. When a home is clean, it suggests to the potential buyer that the previous tenants took care of the home and property. Alongside cleaning, you should also patch and repair anything that could be a sign of neglect. Use a melamine foam eraser pad to remove any scuffs from the walls. If there are any holes in the walls, be sure to spackle, caulk and paint that area. Additionally, apply paint to any areas where it seems to have chipped. And once again, this goes for the yard too. The overall goal of this step is to make the home look well taken care of.

 

Image result for depersonalize your home before and after

2. De-Clutter and De-Personalize

When it comes to clutter, the less you have, the larger your space looks… and space sells! You may need to find a spot to temporarily store your belongings. Do not store them in your garage or closets because often times those get looked in. Alongside de-cluttering is to de-personalize. Remove pictures, personal knickknacks and anything that could identify the space as yours. It may be difficult to remove all the things that make your home feel like you, but it’ll be worth it.

 

 

 

Image result for curb appeal to sell3. Work On Curb Appeal

First impressions are everything. Often times potential home buyers will drive by the property first to make sure it’s worth their time. Make sure it’ll lure them in and make them feel like they could be walking into their home. Blooming flowers are always a nice way to add a bit of color and flare to the front of your home. Be sure everything is clean: siding, sidewalks, windows, and porch. Keep your lawn watered, mowed and overall put together. Your porch should have a clean doormat and neat porch furniture if there’s room. Be sure your number is easily readable and even keep your lights on during the evening in case there are drive by’s at night.

 

 

 

Image result for light when home is staged

4. Brighten Things Up

Use the natural light to your advantage. Pull back curtains or open blinds, this will make the rooms feel bigger. Turn on all the lights, even during the day. This will help make your home look more inviting and save perspective buyers from fumbling around trying to find the switch. Also be sure your light fixtures are clean and appealing, even dusting your light bulb if needed. There are also different color temperatures on light bulbs, you could play with your options to find the one that works the best.

 

 

5. Rearrange FurnitureImage result for stagged furniture

First, remove any damaged or large pieces of furniture or anything that doesn’t match the rest of your decor. With what you have left, decide if there’s still too many pieces or if you need more. You can always rent furniture if the home is too empty. Once your furniture is picked, you want to arrange it in a way that allows for plenty of open and walkable space. Additionally, there is a design technique called “floating” which positions your couches, chairs, and tables away from your walls. Add an area rug to make it feel more cozy, even if the room is carpeted.

 

 

 

Image result for neutral wall colors

6. Be Neutral

Bright colored walls can be a major turn off for buyers. Although it expresses individuality, it signifies the home’s past, not future. Not to mention, bold colors distract from a rooms assets and can be all somebody sees. When picking the new paint for the wall, you do not have to go straight white. There are plenty of sophisticated neutral colors to choose from and they will help make everything look cleaner and put together. Additionally, when decorating the master bedroom specifically, remain neutral. You want to appeal to all types of people, including single or married.

 

 

 

7. Use Every SpaceImage result for decorate awkward space in home

If you have a room that is used as storage or junk dumping area, clean it up. Each room should have a clearly defined purpose. Identify what a buyer could see, maybe it’s an office, a spare bedroom, or a kids room and decorate accordingly. This goes for any awkward areas too. Whether that’s a small nook or space under the stairs, decorate it in a way that can show off the potential.  You could set up a small workstation, put up a bulletin board or build some shelves. Even if this means you need to rent or borrow additional furniture to make this happen.

 

 

 

Staging a home requires much time, effort and often times, money. It may not seem like it would be worth it. But let us assure you, it is! According the the National Association of Realtors, in March of 2019, 83% of buyers said that a staged home made it easier for them to visualize the property as a future home. 1/4 of the buyer’s agents said that staging a home increased the dollar value offered between 1%-5% compared to homes that weren’t staged. Often times, staging a home will provide you with the result you’re looking for.

 

Credit: Moving.com, Trulia, FoxNews, NAR

Posted on February 27, 2020 at 8:03 pm
John and Tracey Tindall | Category: Helpful Tips, Home & Projects, Listings & Selling your Home | Tagged , , , , , , , , , ,

Should I Sell In Winter?

We get asked that question frequently. Or if a property is already on the market, sellers often ask if they should take it off. There are arguments as well as pros and cons for both schools of thought. We’ll break down each side to help you make the decision on if you should list your home in the winter.

Pros

1. Less Competition

It’s as simple as supply and demand. If there are fewer homes to choose from, your home will get more activity and showings, in turn, more offers for more money. Additionally, when there are fewer options, buyers tend to be less picky.

2. Buyers Are Serious

Although there are typically more buyers in the spring and summer, the serious buyers continue looking in the winter. If a buyer is truly serious, it doesn’t matter the time of year. During the warmer months, people go to open houses just for fun, but in winter only the serious ones are out. And typically they have a pressing matter that is requiring them to find and close on a house quickly.

3. Online House Hunting Is Year Round

The internet has made house hunting from the warmth of your own home easier than ever. People are constantly looking at listings online. In fact, 93% of people use the internet in their home search and that’s how most begin. The only time they have to deal with the cold is to see the shortlist of their absolute favorites.

4. Agents Are Up To The Challenge & Motivated

Since the winter months are a bit slower, most real estate agents are also slow. If you choose to sell during the winter, your agent will be able to focus more on you. But, you want to be sure you get a good agent that’s up to the challenge. There are hurdles that need to be jumped when selling in winter and a good agent will know how to adapt to the current season and market the listings accordingly. They’ll know the current market in the area and be able to provide you with tips and suggestions.

5. More From Out Of Town Are Looking

During the holiday season, many family members come from out of town to visit. So, if they are considering relocating, they would look at homes when they’re in town. This often means they need to find a home fast and have a bit more financial flexibility. Additionally, people have more time off work and they take advantage of that by looking for their next home. Lastly, more people relocate for work in the first quarter of the year.

 

Cons

1. Curb Appeal Is Difficult

In the spring and summer months, it’s easier to show off the curb appeal of your home with flowers, landscaping, and daylight until 9pm. Winter poses a problem since everything is covered by snow, and typically not fresh snow. Homes listed in winter are often viewed with things looking drab and worn because everything is brown and gray. You could decorate for the holidays, which will make it more appealing. On the plus side, you won’t have to spend as much time meticulously working on your yard.

2. Weather Can Be Inconvenient

House hunting in winter can be a chore for the buyers. They’ll need to bundle up and endure the cold temperatures. Fresh snow can also be a traveling hazards for potential buyers, so they may choose to stay home for the day. Also, you’ll need to make sure your driveway and walkways aren’t slick or snow covered. Those who do come to look at your home can track in salt and possibility mud, which you will then need to take extra time to clean after each showing.

3. Buyers Have Limited Budgets

Near the end of the year, many people have their money tied up in other financial obligations such as buying holiday gifts, traveling, setting aside money to pay taxes, or making sure their own home and car are winter ready. With such a tight budget, more people may not be willing to invest in a new home.

4. Buyers Have The Negotiating Power

Most sellers will get multiple offers in spring and summer because there are more buyers. When there are less, some buyers may drive a hard bargain. They may even think that a seller is desperate for any offer and so they low ball them. And often times, the seller accepts because they are worried they won’t get another offer until spring.

 

If you have any additional questions or concerns about selling your home, in winter or otherwise, contact us! We’re here to help, know the market, and can list your home appropriately.

 

Credit: First American Home Warranty, LiveLoveHomes, MoneyCrashers

Posted on February 5, 2020 at 6:39 pm
John and Tracey Tindall | Category: Costs and Spending, Helpful Tips, Listings & Selling your Home, Winter | Tagged , , , , , , , , , , , , , ,

Tindall Top 3 – Snow

North Idaho is B-E-A-U-tiful and its known for its mountains, lakes and abundant beauty.  Its also known for it’s snow!   There is plenty to know about snow and here are some resources to tap into that will keep you informed and prepared.

 

Driving in the snowThe Statistics

In Coeur d’Alene the average amount of snow that falls is 42 inches, comparing that to the rest of the country with only 28 inches. Keeping in mind, the farther North you go, the more snow you will see. With Spirit Lake receiving approximately 52 inches a year and Sandpoint with 61 inches. December is typically the heaviest snowfall month with an average of 11.7 inches, and second heaviest is January with 10.4 inches.

But when?? You might hear horror stories of winters in North Idaho lasting half the year, and that’s not exactly wrong. Snow in our area can start as early as November. Unless you were here the record breaking year of 2019 when we received 1.1 inches of snow on September 29th, the most in September’s history. Before that, the last time the snow fell in September was in 1926 with 1 inch of snow. But, on average, you will typically see snow in November and it could last through April.

This is all just averages, there’s no telling exactly what the North Idaho winters will do! That means we need to be ready for everything.

 

Prepare

The Coeur d’Alene Police Department offers FREE winter driving classes. They typically begin in October and go through early December. If you’re new to driving in the snow or would like a refresher, check on the specific dates when the time comes next year.

Knowing how to drive in the snow is just part of it, you want to be sure your vehicle is ready for the snow as well. Check out our blog North Winter Driving Preparation for detailed information.

Our home is another thing we need to prepare when winter comes. Our website is always a great resource for this. Check out our Fall & Winter Home Maintenance page to prepare for winter and our blog 6 Overlooked Winterizing Tasks.

 

When Snow ComesPlowing Snow

Since North Idaho is used to getting so much snow, we are more than prepared when it comes! We have both the expertise and practice on our side! Check out the detailed information on Coeur d’Alene’s snow plan here. The City of Coeur d’Alene’s website also goes into detail on the Snow and Ice Control Operations and also has a map that shows you which roads are completed, getting worked on and getting worked on next. Check out the links below for snow information in your city:

Our blog post mention earlier, North Winter Driving Preparation, also has tips on how to drive in the snow. There are many other resources on the post, such as what to do in an emergency and a video which offers additional recommendations and visuals to help with winter driving.

 

SkiingThe Fun Part

Snow in North Idaho, although requires much work and preparation, is also fun! We have so many area ski resorts near Coeur d’Alene, check them all out with information about the mountain on our website here under the Area Information tab. And these resorts always have events to enjoy, check them out on our blog post Snow Much Fun! Be sure to check our What’s Happening page for the events happening in the area at all times, it’s updated regularly!

Also, take a look at our Winter category on our blog post here, which has all things winter!

 

FOR MORE ON SNOW FROM OUR YOUTUBE CHANNEL

 

Credit: Weather Atlas, CDA Press

Posted on January 29, 2020 at 9:24 pm
John and Tracey Tindall | Category: Best of CDA, Our Great City, Things to Do and See in North Idaho, Winter | Tagged , , , , , , , , , , , , , , , , , ,

Don’t Forget! Top 6 Overlooked Winterizing Tasks

As a homeowner, you likely already have a checklist of items you need to complete before the snow falls. But, there are a few items that you may have forgotten about. Don’t let these items go unchecked or you may have unnecessary headache and expense in the future. Below are 6 tasks that should be completed but many homeowners overlook.

Note: If you do not have a checklist of home maintenance before winter, take a look at ours here!

1. Drain Gasoline and Oil From Your Yard Equipment

Mowing your lawn may be the last thing on your mind right now. But, to ensure your power equipment still runs in tip top shape next year, drain the remaining gas and oil out. If gasoline or oil sits too long it could cause changes in the chemical composition which could lead to a number of problems. Read about how gas can go bad and how to identify it here.

 

Image result for clean weep hole"

2. Clean Your Window Weep Holes

There are many windows that have weep holes on the exterior bottom of the frame. Their purpose is to drain any water that collects in the frame’s bottom channel. But often times they get clogged with bugs or debris of some kind which could then spill into your house. First, test the weep hole by pouring water into the track. If it doesn’t steadily drain out, there is likely a clog. If that is the case, you could spray it out with compressed air or poke a wire hanger into the hole.

 

 

3. Drain Sediment From Your Water Heater

You should drain some of the water from your water heater every year otherwise sediment will collect at the bottom. With gas powered water heaters, this will cause hot spots that will damage the tank. With electric powered heaters, it could cause the lower heating elements to fail. So draining it once yearly will not only extend the water heaters life but also save you money on your energy bills.

 

4. Clean Dryer Vents

If your dryer vent is plugged, it could cause your dryer to run inefficiently or even cause a house fire. Before winter arrives, be sure to clean out your vent to prevent that from happening. It may not always be lint that causes the backup, there may be pests nesting or stuck exhaust hood flappers could also be the culprit. Each year, take the vent off the back of your dryer and clean it. You could get any debris out with a wet/dry vac or use a cleaning kit that can be purchased at home centers. Inspect your exhaust hood flappers to ensure they are in proper working order as well.

 

5. Check For High Water Pressure

High water pressure can cause issues with pipes, connections and appliances not to mention it wastes water. It is very easy to test to pressure, you just need to purchase a pressure gauge that hooks up to spigot or tub faucet. If the pressure is too high, just change the pressure reducing valve.

 

Image result for test sump pump"

6. Test Sump Pump

It’s best to test you sump pump twice a year to avoid your home flooding. It is very simple to test it, you just need to dump water into the basin to make sure it’s working. And be sure your pump has a vertical float switch.

 

 

 

Consider adding the above tasks to your winterizing checklist to help with any possible issues that may arise over the winter season.

 

Credit: Family Handyman, Do It Yourself 

Posted on December 3, 2019 at 6:09 pm
John and Tracey Tindall | Category: Helpful Tips, Home & Projects, Winter | Tagged , , , , , , , , , , , , , ,

7 Easy Tips To Keep Your Garbage Disposal Spinning

We all love our garbage disposal but when it breaks down, it definitely becomes a love/hate relationship. We’ve scoured the blogs and professional opinions and we have a short list of ways to keep your disposal grinding away.

Easy maintenance tasks done every few weeks or months can really extend your garbage disposals life span.

  1. Really think about what you’re putting in there. Most food should be alright, but take note if the food is prone to absorbing water further, if its very hard or tough or if it might get really gunked up in cool water. Heavy and hard things like bones might break the mechanical parts of your disposal. Fats and oils can solidify in cold water and clog your pipes. Foods that absorb water will eventually turn into a gunked up clog.
  2. Cold water is best when grinding your waste up. You can absolutely use hot water at all other times, but cold water is recommended so that oils don’t melt and then solidify in the drain plug of the disposal. I personally run hot water after to push anything lingering further on down the drain.
  3. Clean it up! I like to use citrus peels and some dish soap to keep the disposal clean and smell free. You can put the peel and the soap in while the disposal is running and you can tell right
  4. Use an allen wrench to free up the disposal. Sometimes they get bound up or maybe you over did it when cleaning out the fridge. Don’t stress! Just grab an allen wrench and hand turn according to directions. Usually that will do the trick and you won’t burn out the motor! Win!
  5. Experts recommend keeping your disposal blades sharp by dropping some ice cubes down the disposal. It doesn’t take a long time but it does sound a little intense. Bonus feature- it’ll act as an abrasive and clean off any built up food from the blades and the housing.
  6. Did you know there are disposal cleaners? There are. But they are not to be confused with your standard drain cleaner- which have caustic chemicals that can/will damage your disposal’s seals and integral parts. Don’t do that. You love your disposal too much.
  7. Be very vigilant and cautious when you’re getting things that fall in to the deep, dark, slimy disposal. Set up a barricade, nail the kitchen door shut- do what you must do so that you don’t turn into a horror movie character and lose your pretty fingers. Please.

We are not plumbers nor are we disposal experts, mostly just parents who have had to take care of a few household maintenance issues. But if you’re looking- we do have a plumber we can recommend. These are just our real life bits of advice and some info from the pros. Please use common sense when trying to do any work on your disposal. If you think about it- its really a sink full of spinning knives… so safe.

For more information on proper use of your disposal, click here!

For a checklist to prepare your home for the colder months, click HERE!

If you have any other disposal tips or if you can think of a topic you’d like to hear about, please let us know in the comments.

 

Let’s Make Awesome Happen,

 

Posted on November 20, 2019 at 7:01 pm
John and Tracey Tindall | Category: Best of CDA, Costs and Spending, Helpful Tips, Home & Projects | Tagged , , , , , , , , , ,

Idaho Market Update

The number one question we are asked is, “How is the Market?”   Our clients and those thinking about making a move here in North Idaho are always interested.   Is it a good time to buy? Sell? Build? Invest? 

It’s one of our favorite discussions.  Real Estate is dynamic and markets are always changing. There are numerous factors that impact the the Real Estate Market here locally.   Digging deeper and staying abreast of the key factors that effect our local market is our job.  Considering national and local trends along with evaluating key factors will have an impact on how we answer that question… How is the Market? It all depends on what you want to achieve.   

At Windermere, we are fortunate to have our own Chief Economist, Matthew Gardner.  He is an amazing resource and here is his report on our Idaho Market.   

The Gardener Report

 

“In Northern Idaho, Shoshone County experienced a 17.9% increase in sales over the third quarter of 2018. There was a modest increase in Bonner County and a very slight contraction in Kootenai County.” Matthew Gardener

 

 

 

Interested in knowing how this market will effect you in one of North Idaho’s 5 Counties (Kootenai, Shoshone, Bonner, Boundary or Benewah) for buying, selling, investing or building?   Connect with us her or find us on one of our social sites and we will be happy to discuss our market and how it will impact your Real Estate goals. 

 

 

John & Tracey Tindall Professional Agents

www.johnandtracey.com
John & Tracey Professional Agents
JohnandtraceyCDA
Tracey Tindall
Our Blog
Keeping it Real Estate with John & Tracey

 

 

 

 

 

 

 

 

 

 

 

 

Johntindall@windermere.com     208-818-2365

traceytindall@windermere.com   208-818-2365

Windermere, Coeur d’Alene Realty

1000 Northwest Blvd

Coeur d’Alene Idaho 83814

Posted on November 5, 2019 at 10:59 pm
John and Tracey Tindall | Category: Market Update, Real Estate Trends | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leaf Fest 2019

It’s that beautiful time of year again here in Coeur d’Alene… Fall!

 

With Fall comes all of the beautiful and colorful leaves that we love and enjoy for about the first 2 weeks.  After they have fallen off the trees, the fun begins with leaves all over our yards and driveways.  We then being the clean up as we ready our yards for winter.  The raking of those beautiful leaves into piles and then scooping them into bags to take to the landfill to throw way. 

DON’T BOTHER with that this year! Spend more time inside this year enjoying your hot cocoa and cozy PJ’s!  Our City of Coeur d’Alene is not only beautiful but they are also awesome!  One of the benefits of living is Coeur d’Alene and our Leaf Pick Up program and its absolutely FREE for you! 

Leaf Pickup! Starting Friday November 12th

Image result for leaves in a yard

 

Click the link here for leaf pickup map. Find your zone – leaf pickup will happen in alphabetic order.

 

Some things to keep in mind:

Do:

  • You may start putting your leaves out Friday November 2nd.
  • Please move cars out of the street if at all possible during leaf pick-up.
  • Keep the leaves about one foot off the curb line to facilitate storm water flow.
  • Be alert for leaf pick-up equipment traveling through your neighborhood.
  • Keep a safe distance away from leaf pick-up heavy equipment.
  • Recognize that we have a tough job to do in a very short window between when the leaves fall and when the snow flies.
  • Understand that city and private trucks are exempted from covering loads during the leaf pick-up period. Sweepers will follow city trucks to collect remaining/excess leaves.

 

Don’t:

  • Place bagged leaves in street.
  • Mix branches, rubble or other refuse in with the leaves.
  • Miss the deadline… we only have time for one pass!
Posted on November 4, 2019 at 9:17 pm
John and Tracey Tindall | Category: CDA is Awesome, Fall, Helpful Tips, Home & Projects, Our Great City, Whats Happening | Tagged , , , , , , , , , , , , , , , ,

12 Mistakes That Can Derail Closing Day For Buyers

Buying your first home? Maybe you have done this before and just assume lending is pretty straight forward? Avoid these common mistakes that can blindside a buyers mortgage and closing day!  

Lending is a complicated business with a number of moving parts and many rules that can make the difference between a happy closing day or no home at all.   There are so many things that can effect your loan process and your road to a successful closing day.  Here are just a few of the most common mistakes that buyers make.   

 

Here are a few more things to avoid so that you can keep loan and purchase on the rails through to closing day!  

Big Purchases on Credit. It is tempting to buy the furniture for your new home or a new car for the garage before the sale closes. Take care if you are making these purchases on credit. Large purchases on credit can have a major impact on your credit profile which effects your mortgage application. It’s a better plan to wait until after closing or pay cash for these transactions or you may be putting that furniture in a different living room than you originally picked them out for.

No 90-Day Same as Cash! Many times you may be tempted to make a furniture or appliance purchase for your new home. Often these can be done now and no payments for 90 days or even longer. Don’t be fooled. These purchases still affect your credit and can destroy your loan process. Remember, just a small change in your credit picture might be just enough to keep your loan from moving forward.

IRS, State and Local Liens. You’ve heard the old saying “Death and Taxes”.  Back taxes and liens can derail your attempts to get financing for a mortgage so be sure to have your books in order before filing your loan application. There are a number of searches done against your social security number just before closing and this is where liens against you sometimes appear, even though they are NOT on your credit report.

Changing jobs, become self-employed or quitting a job. Changing jobs will change the qualification basis and if you move into a different line of work or take a lower paying job, this may disqualify you from moving forward with your purchase. Also going from an employee to self employed changes everything. Of course you need a job so don’t quit yours.

Don’t Spend your Money!   Especially your funds set aside in your bank account for your closing day.   Often these funds need to be on deposit for a couple of months to be “seasoned” and allowable for your purchase. If you spend it, you may have problems having new funds seasoned in time for your closing day. Also many times your loan will require a certain amount of “reserve funds” in your account and trying to get those funds into your account at the last minute can be catastrophic.

Large Deposits. You would think more money is a good thing, right? But large deposits are handled differently and require sourcing, which can get complicated. Always ask your loan officer before you make a large deposit.

Changing Bank Accounts. You will not want to change bank accounts during the loan process. Making a move like this will change your financial picture and quite possibly slow down the process or cause your loan to be denied.

Never Co-sign. Don’t do this for anyone during the loan process. Co-signing will not only change your credit picture, it will also change your debt ratio. The smallest change in debt ratio may ruin your chances for a loan approval.

Late Payments, Missed Payments. Credit Inquiries. Of course pay your creditors on time and avoid having your credit report pulled during the loan process. Late or missed payments will decrease your credit score and so will excessive credit report inquires. Sometimes just a few points on your credit score make the difference between a happy closing day or no closing day at all.

Overpaying. Before your bank will approve your mortgage they will appraise the home you are purchasing.  If they feel you are overpaying they are likely to decline your mortgage application. If you find yourself in this situation consult with your agent on renegotiating your offer to be more in line with the bank’s appraised value.

Purchasing too close to Foreclosure. If you are making an offer on a house which is facing foreclosure be sure to have a closing date set before the foreclosure date. Have your agent work with the lender to structure closing before the house goes back to the bank and into foreclosure

Comprehensive Loss Underwriting Exchange (CLUE). CLUE is a database of insurance claims for both people and property.  Your home insurance rates are determined by the information about you and the property you plan to purchase which is contained in this report. Past claims for water damage, falling trees and even dog bites from present and past owners can multiply your insurance rates. Consult your agent about the CLUE report for your future home as soon as possible once your home purchase offer is accepted.

As always, work closely with your lender. Share everything with your loan officer so they can navigate through the process and guide you through the rough spots and onto closing.  It’s better to know about potential issues up front and not be surprised just before closing with bad news.  How a great loan officer helps you! and Other missteps that keep you from closing.

 If you are just starting the process and want to know more about how the buying process works, connect with us.   We will be happy to meet with you and walk you through the buying process, help you find a lender and get you on the path to home ownership.

johntindall@windermere.com 208-818-2456 traceytindall@windermere.com 208-818-2365

Posted on October 9, 2019 at 11:34 pm
John and Tracey Tindall | Category: First Time Home Buyer, Helpful Tips | Tagged , , , , , , , , , , , , , , , , , , , , , , ,