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Latest Market Activity for November 2017

by Galand Haas

Good Monday Morning!

The month of November saw another strong showing for home sales in the Eugene and Springfield area.  The inventory of homes for sale remained very low with just two months of inventory.  Remember, 6 months of inventory is considered a very healthy market situation.  Here are the November 2017 home sales statistics for Lane County from RMLS.

November Residential Highlights

Lane County saw gains this November compared to November 2016, despite some cooling from last month. New listings, at 345, ended 25.0% ahead of November 2016 (276) and were the best November for new listings in the county since 2009, when 355 were recorded.

Pending sales, at 366, outpaced November 2016 (327) by 11.9% despite a 23.3% decrease from October 2017 (477). Similarly, closed sales (394) saw a 4.8% increase over November 2016 (376) but a 7.9% decrease compared to last month in October 2017 (428).

Inventory in Lane County held steady in November at 2.0 months, with total market time increasing slightly to 45 days.

Year to Date Summary

Comparing the first eleven months in 2017 to the same period in 2016, new listings (6,142) have increased 3.4% and closed sales (4,808) have increased 0.8%, while pending sales (4,968) have decreased 0.9%.

Average and Median Sale Prices

Comparing 2017 to 2016 through November of each year, the average sale price rose 9.4% from $263,500 to $288,300. In the same comparison, the median sale price rose 9.9% from $236,500 to $260,000. 

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The Benefits of Home Shopping in Winter

by Galand Haas

Good Morning!

As we approach the Holidays, many people are focused on other things besides buying and selling homes.  This can certainly work in your favor if you are a home buyer.  The following is an article from "" that will gives you some reasons why you should think about getting serious with your home shopping in December.

Many home shoppers don’t think about purchasing a house during the holiday months—many even put their home search on hold. But Desare Kohn-Laski, broker-owner of Skye Louis Realty in Coconut Creek, Fla., offers some points to pass on to your clients, letting them know this is one of the best times of the year to shop for a house.

Less Competition, Better Prices. 

Let your clients know that the holiday months work in their favor. “Instead of competing with hungry buyers, eager to move in before the school year begins, the dip in demand actually drives prices down, and can create a mini buyers’ market,” Kohn-Laski says. In her experience, buyers often fare better in the negotiation process during the winter months.

More Time to (Home) Shop. 

Time off around the holidays gives many buyers the opportunity to do some careful house hunting. Instead of giving up an entire weekend to open houses and showings, buyers can more leisurely tour homes during the week, Kohn-Laski suggests.

Tax Benefits.

We still don’t know how the House and Senate tax reform bills will shake out in conference committee; however, if your clients purchase in 2017, they can still deduct property taxes, mortgage interest, and other costs. Learn more about how you can influence tax reform.

Move-In Ready Weather. 

For a large part of the country, winter is a favorable season to move. The heavy lifting of furniture and home improvement projects are easier to perform without the heat of the summer months, Kohn-Laski says.

“There are numerous benefits and added perks to buying a house during the holiday season that make December arguably the best time to buy,” Kohn-Laski says.

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Price: $595,000 Beds: 3 Baths: 2 Sq Ft: 2000
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7 Smart Options to Obtain the Best Credit Score

by Galand Haas

Good Monday Morning!

If you are considering a home purchase, your credit score is a huge part of this process.  You credit score also impact many part of your financial life from what you pay for car insurance to your ability to get credit.  The following is an article from "Realty Times' that goes over some great ideas on how to obtain the best credit score.

Getting ready to buy a house or just thinking about it? Where to buy, what to buy, and how you'll afford it are probably top of mind. But if you're not also concentrating on your credit score - and by concentrating on, we mean actively trying to raise your scores as much as possible - you're not looking at the whole homebuying picture.

Not only can does your credit score factor greatly into what you'll pay for your house, it can keep you from being able to buy one, period. "Your credit history determines what loans you will qualify for and the interest rate you will pay," said eloan. "A credit score provides an easy way for lenders to numerically judge your credit at a point in time. It gauges how likely you are to repay your loan in a timely manner. The better your history appears, the more attractive you become as a loan customer."

Thankfully, your credit score is not static; it can (and does) change all the time, and there are all kinds of ways to improve it, some better than others. We're running down the smartest options to boost your score in the new year.

Shoot for perfection

850 is the best score you can possibly get, and, while it may seem completely out of reach, there are people who actually crest that credit mountain and reach the top. "It's the Holy Grail of all credit scores: 850. On the widely used FICO credit score scale, approximately one in every 200 people achieves perfection, at least as of a 2010 estimate by the Fair Isaac Corporation," said The Motley Fool. Careful budgeting and detailed attention to every aspect of their financial picture are the umbrella tactics they use to get and maintain that score - and they're ones you should be using, too.

Or, shoot for 750

If 850 is out of reach within a reasonable timeframe (reasonable being the maximum amount of time you want to wait before buying a home), try for 750. This is the magic number for many lenders and creditors. "It puts the ball completely in the corner of the consumer rather than the lender, said The Motley Fool. "You'll often have lenders fighting for your business, and in nearly all instances, you'll be offered the best interest rate by lenders, meaning you'll have the lowest possible long-term mortgage and loan costs of any consumer."

Talking to your lender about the items on your credit report that have the best chance of raising your score is key. You may think that paying off that old unpaid account from six years ago is an easy way to get a score bump, but is it about to fall off of your report on its own? 

Set up automatic payments

According to, a good 35 percent of your credit score is taken from your payment history. You may have missed payments in the past that you need to deal with now, but you certainly don't want to make another mistake while you're trying to get homebuyer-ready. Almost every creditor, from your utilities to your car payment to any outstanding student loans you may have, offers the option of automatic payments. This is the easiest way to ensure you never miss a payment because you got busy or spaced on the due date.

But, just remember to make sure there is enough cash in your account to cover the payments on the day the money will be coming out. If you have been busy moving funds into savings for your down payment, you'll want to set a reminder to put money back into whatever account your auto payments are attached to.

Ask before you shut down credit cards

The amount of credit you have is a factor in qualifying - or not - for a mortgage. Too much debt is a bad thing. But, long-term credit use that has been managed properly can be helpful to your score. If your lender does recommend getting rid of some of your available credit, it likely won't be older cards. "Length of credit history is considered when determining your score - so the longer you've had a credit card, the better," said CNN Money.

Also beware that closing any card triggers a change in your "utilization," and that might not be a positive. Be sure to consult with your lender first.

Watch your credit limits

Banks don't look kindly on those who have used all of their available credit because it gives the appearance that you're not living within your means. "The amount of available credit you use is the second most important factor in your score," said NerdWallet. "Experts recommend you keep your balance on each card below 30% of your limit — if your limit is $5,000, your balance should be under $1,500." 

Of course, even lower is better. Get to 20% or even 10%, and you'll be in great shape. But don't go below that. While it may seem like a zero balance would indicate that you are financially savvy, banks like to see responsible credit management. That means using your cards and paying down the balance to a reasonable level every month.

Pay down your debt…but check with your lender first

If you're trying to weigh the best tactics for improving your credit and you don't have the funds to take care of every outstanding wrinkle on your credit report and pay down your existing debt at the same time, you definitely want to check with your lender before you make any move. Every dollar is important, and while NerdWallet notes that your credit score will "soar" as you "pay off your debt as aggressively as possible without acquiring more," it could be that your lender has a strategy that places more importance on other credit issues in your report, or has structured your credit repair according to a different timeline.

This underscores the importance of working with a lender who is skilled and experienced in credit repair. Using the tools our lender gave us, we were able to improve our score by almost 100 points in four months, allowing us to qualify for the home we wanted and get a great interest rate.

Don't be afraid to refinance

You may end up buying a home before you get your credit score exactly where you want it to be. If you're in an appreciating market, which much of the country is, and your score continues to rise after you close escrow, you might be in a position to refinance sooner than you think. Especially if you buy your home with an FHA loan, their streamline refinance program can potentially lower your rate without an appraisal, a credit check, or job/income verification.

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Price: $365,000 Beds: 4 Baths: 2 Sq Ft: 2242
Gorgeous East Eugene home with valley views. Lower level has separate living potential with full kitchen, bedrooms, bath and laundry. Decks, privacy, RV parking,very light and bright. Super close to U of O and shopping areas. New roof and gas firepl...


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Contact Information

Photo of Galand Haas Team  Real Estate
Galand Haas Team
Keller Williams Realty Eugene and Springfield
2644 Suzanne Way
Eugene OR 97408
Direct: (541) 349-2620
Fax: 541-687-6411

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