Fix your credit score and get a lower Homeowner Insurance Premium – Corvallis Real Estate

Homeowner’s Insurance and Your Credit History

By Terri Woods – Terri sells real estate in Corvallis OR, Albany OR and surrounding areas

Credit-score2

 

Did you know that the lender is not the only one who looks at your credit score when buying a home? Unless you have recently purchased a home or refinanced the home you are currently living in, you may not be aware that insurance companies are now looking at credit scores. Insurance companies have learned that a person’s credit history is an accurate predictor of risk. According toInsurance Information Institute actuarial studies have shown that people with a low credit score are more likely to file a claim. Since insurance companies base their premiums according to the risk they are assuming, the lower the credit score, the higher the risk.

So, for those of you with excellent credit, congratulations! You reap the rewards of a lower premium.

For those of you whose credit scores are sub-standard, there are a few steps that you can take to assist in a lower homeowner’s insurance premium.

  • Repair your credit. Before you go cutting up those credit cards, you may want to Google some tips on ‘how’ to repair your credit.
  • Shop lenders.  Lenders do vary in interest rates, points and fees.
  • Consider raising your deductible.  Of course, a higher deductible has to make sense in your financial situation.

For more information, contact me for my FREE Home buying eBook for SMART BUYERS.

Find your next home here!

Posted in Albany OR real estate, Corvallis OR real estate, Oregon homes for sale, Terri Woods, www.GreatOregonHomes.com | Tagged , , , , , , , | Leave a comment

Building or Remodeling in Corvallis OR or Albany OR? This is a must see blog! Very very interesting.

I thought this article was so interesting that I wanted to share it.  

This article is a Reblog from Buzzfeed.com http://www.buzzfeed.com/peggy/insanely-clever-remodeling-ideas-for-your-new-home  

31 Insanely Clever Remodeling Ideas For Your New Home

Can you get through this post without calling your contractor?posted on January 4, 2014 at 10:41am EST

BuzzFeed Staff

1. Lower your living room to create a conversation pit.

Lower your living room to create a conversation pit.

The bi-level living room will give your home an incredibly spacious yet cozy effect.

2. Turn an attic nook into a pillow room.

What is life but one long, perpetual movie-night slumber party?

3. Display your book collection under the stairs.

4. Or use the space underneath for storage.

Or use the space underneath for storage.

Next-level wine collection not included, unfortunately.

5. Or use that space for a book nook.

So much cozy.

6. Dogs are people, too, which is why your dog should probably get his or her own little haven underneath the stairs.

7. Make space for two dishwashers instead of one.

You can load one while the other washes. KitchenAid also makes a double drawer dishwasher.

8. If you’re doing a HUGE remodel, ask your contractor about tacking on a treehouse or guesthouse.

If you're doing a HUGE remodel, ask your contractor about tacking on a treehouse or guesthouse.

This add-on might cost less than you think.

9. Turn your shabby garden shed into a charming artist’s shed.

With big windows for lots of light and visual inspiration.

10. Install an in-wall pest control system.

Pest-tube installation means that all the exterminator has to do is inject some stuff into one end to keep insects and rodents away.

11. Maximize your space with baseboard drawers.

Maximize your space with baseboard drawers.

Especially in the kitchen and bathroom.

12. Consider a hidden room.

Consider a hidden room.

Sometimes it’s as simple as adding a bookcase to a door.

13. Make your walls MAGNETIC.

Make your walls MAGNETIC.

Magnektik makes large magnetic panels that are strong enough to hang anything, including shelves and TVs.

14. An S-shaped seat turns your shower or steam room into one you can LIE DOWN IN.

An S-shaped seat turns your shower or steam room into one you can LIE DOWN IN.

Insane in le bain.

15. Have an extra-tall ceiling? Stretch a ceiling hammock across it.

Have an extra-tall ceiling? Stretch a ceiling hammock across it.

16. A walk-in shower means NO GLASS TO CLEAN.

And they even fit into small bathroom spaces.

17. Install chutes in your kitchen for your trash and recycling.

Install chutes in your kitchen for your trash and recycling.

Funnel them straight into the garage.

18. A platform in a storage/guestroom hides away all of your stuff while keeping the room usable.

A platform in a storage/guestroom hides away all of your stuff while keeping the room usable.

It’s also a great way to make a comfy nook room more functional.

19. Build a bar into your deck.

Build a bar into your deck.

20. Turn dead space above a staircase into a playroom.

21. Build a second mini-fridge in your kitchen island for BEER.

Build a second mini-fridge in your kitchen island for BEER.

Or really, anything you want.

22. Instead of typical cabinets, build a pull-out cabinet for instant counter space.

Instead of typical cabinets, build a pull-out cabinet for instant counter space.

23. Put a sink with jets in your laundry room so you have a convenient place to wash your delicates.

Put a sink with jets in your laundry room so you have a convenient place to wash your delicates.

24. Utilize dead space with a built-in wine rack.

Utilize dead space with a built-in wine rack.

Or build the wine rack directly into the kitchen island.

Or build the wine rack directly into the kitchen island.

25. Two words: VACUUM BASEBOARDS.

Two words: VACUUM BASEBOARDS.

This sorcery actually exists.

26. Kids will love having slumber parties in their bunkroom.

27. Bring the outdoors IN with these accordion glass windows and doors.

It’s an epic way to open up your kitchen while entertaining.

28. Swap out your boring old ceiling for a star-gazing sunroof.

Swap out your boring old ceiling for a star-gazing sunroof.

29. Install a two-sided fireplace between the bathroom and the bedroom.

Install a two-sided fireplace between the bathroom and the bedroom.

Who needs heated tiles when you have a bathroom fireplace?

30. Frame your living room fireplace with built-in seating.

Frame your living room fireplace with built-in seating.

Fireplaceseat is the new windowseat.

31. And finally, go ahead and add that master bedroom balcony.

And finally, go ahead and add that master bedroom balcony.

You deserve a quiet, tranquil place to look out over your land.

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Get your house ready for your holiday guests in Corvallis OR and Albany OR

Holiday Cleaning: Tips for a Guest-Ready Home

Reblog: By Courtney Craig Published: December 14, 2011

How deep do you go when cleaning for holiday guests? There are some who take it to the Picture2extreme — but you can have a clean home without going overboard.

If you think wiping down counter-tops and fluffing a few pillows in advance of the guest onslaught will land you on Santa’s “nice” list this holiday season, check that list twice. The extreme cleaners (telephone buttons! vacuum brushes! remote controls!) featured in this New York Times article may make you feel like a slacker.

But you can bring your home to sparkling guest-readiness without going overboard. A few tips from the “Times” will keep your home merry, bright, and clean:

  • Scrub your entryway. Wipe down your front door, give the doormat a good shake, and make sure dust and dirt haven’t collected on floors and furniture legs. These are the first things guests will see when they arrive, so keeping them clean will guarantee a good first impression.
  • Focus on the kitchen. People tend to gather around the food during the holidays, so make sure your kitchen looks and smells nice. Don’t forget to dust the light fixtures and flush sink drains with boiling water.
  • Whatever you do, don’t neglect the loo. Don’t just wipe surfaces; break out the stiff-bristled brush and scouring powder to really scrub things clean.
  • Sniff out bad smells. If you clean your home and something still doesn’t smell quite right, brew some coffee. The aroma will cover it up.

HouseLogic also has a few cost-conscious cleaning tips to get your home holiday ready:

  • Give your garbage disposal some love, considering how much it will “consume” this season. To cut down on odors, chop up a whole lemon — rind and all — and let the disposal gobble it up. Throw in ice cubes to sharpen the blades.
  • How about one soap for everything? If you’ve got a bottle of castile soap ($10 for a 16-oz. bottle), you’re ready for anything. It can be laundry detergent, mopping solution, and shampoo, just to name a few.
  • Make sure you can see the guests coming. Keep windows clean and streak-free on the cheap with an easy mixture of vinegar and water in a spray bottle. Wipe down windows with a reusable microfiber cloth.
  • With all your holiday cooking, stovetops and ovens are bound to get dirty. Baking soda and water make a simple scouring solution that can scrub off that baked-on gunk.
  • To save money, make your own bathroom cleaning products. For example, to unclog a drain for pennies, pour half a cup of baking soda followed by half a cup of vinegar down the drain. Cover the drain for at least 30 minutes, then flush it with boiling water.

What are your tips for keeping your home guest-ready during the holiday season?

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Communities Served

Posted in Albany OR real estate, Corvallis OR real estate, Homes for Sale in Albany OR, Homes for Sale in Corvallis OR, Real Estate in North Albany OR, Terri Woods real estate, Tips for Home Improvement, www.GreatOregonHomes.com | Tagged , , , | Leave a comment

Housing Market Statistics for Albany, Oregon (97321) through December 1, 2013

Housing Market Statistics for Albany, OR (97321)

by Terri Woods, I sell real estate in Corvallis OR, Albany OR and surrounding areas

The number of active listings in Albany (97321) dropped by 4.3% from the previous month.  The median number of days active properties have been listed is 108.  The number of sales in September dropped by 61.2% from the previous month.

Albany Stats 12.1.13

Albany Market Inventory 12.1.13

Market Insider Albany 97321 12.1.13

Albany, Oregon Real Estate New Listings

Albany, Oregon Real Estate Foreclosure Listings

Albany, Oregon Real Estate Short Sale Listings

Albany, Oregon Real Estate Single Family Homes for Sale

Albany, Oregon Real Estate Condos & Townhomes for Sale

Call/Text 541-760-005 for information on Buyer’s Representation Services (No Cost to Home Buyers)
Posted in Albany OR real estate, Corvallis OR real estate, Homes for Sale in Albany OR, Homes for Sale in Corvallis OR, Oregon homes for sale, Terri Woods real estate | Tagged , , , | Leave a comment

Albany OR Homes for Sale – Real Time List

Homes for sale in Albany Oregon (97321, 97322)

By Terri Woods, I sell homes in Corvallis OR, Albany OR and surrounding areas

Full details and photos of all available HOMES FOR SALE IN ALBANY, OREGON.  Our for sale property information is a direct feed from Willamette Valley MLS and is updated.

Is it time to sell? Request a FREE custom evaluation for your Home.

Albany, Oregon is the 11th largest city in Oregon with a population over 50,000.  Albany is located in Linn County and located just off I-5, south of Salem and east of Corvallis.

Two COOL FACTS:  Linn County is referred to as the “Grass Seed Capital of the World” (also exporting corn, beans, mint, strawberries and hazelnuts).  Albany is referred to as the “Rare Metals Capital of the World” (zirconium, hafnium, and titanium).

Search for homes in Corvallis, Albany and surrounding areas

Call/Text 541-760-005 for information on Buyer’s Representation Services (No Cost to Home Buyers)

Get a FREE Report on YOUR HOME’S VALUE

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Corvallis Market Stats through December 1, 2013

Corvallis Market Stats through December 1, 2013

By Terri Woods – I sell real estate in Corvallis OR, Albany OR and surrounding areas.

The number of active listings in Corvallis (97330) dropped by 21.4%from the previous month.  The median number of days active properties have been listed is 78. This is significantly shorter than the national average.  The number of sales in September dropped by 58.6% from the previous month.

The percent of unoccupied properties is very low in Corvallis (97330) . It is-11.56% below the national average.  The percent of owner occupied properties in Corvallis (97330) is16.32% below the national average. The percent of rental properties in Corvallis (97330) is 30.67% above the national average which is typical for urban areas.

Market Insider Corvallis 12.1.13

 

 

 

 

 

For information on your home’s value, contact me at http://corvallis.kwrealty.com/sell/

Search for homes in Corvallis, Albany and surrounding areas
Call/Text 541-760-005 for information on Buyer’s Representation Services (No Cost to Home Buyers)
Get a FREE Report on YOUR HOME’S VALUE
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Posted in Albany OR real estate, Corvallis OR real estate, Homes for Sale in Albany OR, Homes for Sale in Corvallis OR, Oregon homes for sale, Oregon State University, OSU, Real Estate in North Albany OR, Terri Woods real estate | Tagged , , , , | Leave a comment

Corvallis Homes For Sale – Real Time List

Homes For Sale in Corvallis OR (97330, 97333).

Full details and all photos of all available Homes For Sale in Corvallis, Oregon.

Our for sale property information is a direct feed from the Willamette Valley MLS and is updated several times daily.

Is it time to sell?  Request a FREE custom evaluation for your Property.

Corvallis OR

Search for homes in Corvallis, Albany and surrounding areas

Call/Text 541-760-005 for information on Buyer’s Representation Services (No Cost to Home Buyers)Get a FREE Report on YOUR HOME’S VALUE

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Posted in Albany OR real estate, Corvallis OR real estate, homes for sale, Homes for Sale in Corvallis OR, Oregon State University, Terri Woods real estate | Tagged , , , , | Leave a comment