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A-1 Realty..Allied Mortgage...Baker City Realty..Bisnett Insurance ..Catherine Creek Property ManagementCentury 21 Eagle Cap Realty...Compass Realty...Courtesy Home Furnishings....Eastern Oregon Home Center...Fairway Independent Mortgage .Grandescapes....John L. ScottJohn J. Howard and Associates ..Miller's Home Center....Mt. Emily Realty ..Nelson Real Estate.Next Step Carpet ..Northwest Furniture.Oregon Association of Realtors ..Pacific Residential Mortgage ...Patty Glaze, Re/MaxPillar to PostRanch-n-Home ...Re/Max Real Estate TeamSource One .Sunfire Real EstateValley RealtyWhitehorse Real Estate...

NENISTrees may not grow money, but they do have financial benefits...The 10-step guide to buying a house........ . . . . .Brokers might ask you these 6 questions at an open house(so be ready to answer them) .Think you don't need floodinsurance? Think again........ . . .Dear College Grads: Start Saving for Your Dream House........Which type of dwelling will make you feel at home?........ . .What does an appraiser do ~Getting married? Skip the fancy plates and ask for adown paymentinstead

You can't avoid closing costs — but you can reduce them.......

. page 7. page 13. page 29. page 27

...... page 3.page 8-9. page 31. page 30. page 26

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Greetings.'

the largest professional trade association inAmerica; an association that is actively pursuinglegislation to better protect the rights of all i tsmembers and real estate owners. There are manykey topics on this year's advocacy agenda.

The key to this year's advocacy agenda is tostimulate, stabilize and strengthen the real estatemarket across the nation in both residential andcommercial use. In order to do so, the NationalAssociation of REALTORS® is focusing on thefollowing:Investment Tax Policies: Under great scrutinycurrently, tax policies are heavily debated with agoal of tax reform. Capital gains, 1031 tax ex­change and mortgage interest deductions are themain topic of discussion.

Credit Availability: With the crash of 2008, theloan industry has tightened, both in residentialand commercial loans. Policy lawmakers areworking on legislation to loosen the standards tohelp insure a healthy marketplace.

Commercial : Many commercial loans are comingto the end of the loan terms and wil l be hard tore-new under the new regulations. The NationalAssociation of REALTORS® has announced sup­port for legislation to enhance the Aow of capitalback into commercial real estate.

Want to know more about what is happening?www.realtor.org is full of resources and informa­tion about what is happening currently to helpprotect the rights of real estate owners.

Sharron Langdon, Vice President

Union County Board of REALTORSO<

he National Association of REALTORS® is

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.. page 3. page4

. page6.. page 14.. page 16.. page 22

page 26

page 28.. page30

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 3

Trees may not grow money, but they do have financial benefitsTrees don't ask for much — dirt, water,

sunlight. Yet they provide a wealth ofben­efits: They improve the air you breathe,cut your energy bills, provide a home towildlife, and add beauty and value to yourhome in the form of curb appeal.The financial benefit of trees

The most tangible bang from yourbark comes from energy savings. Treesproperly placed around your home canreduce your air-conditioning needs by 30%and save 20% to 50% in heating costs, ac­cording to the USDA Forest Service. TheU.S. Department of Energy says threeproperly placed trees could save you $100to $250 a year.

Plus, says the Forest Service, healthy,m ature trees add an average of 10% toyour home's value.

How much value does a single treetypically add to your home? Accordingto the Purdue University CooperativeExtension Service in Indiana, a 15'/4-foot­wide silver maple in good health could beworth $2,562.

More mature, healthy trees canadd even more value. For example, trees

added an average of $8,870 to a home'ssale price in Portland, and decreased itstime on the market by two days, accordingto a 2010 Forest Service study.

Of course, tree value depends on size,species, location, and condition.Do's and don'ts to get the most valuefrom trees

Do:• Plant deciduous trees on the west sideof a house to provide cooling shade inthe summer and warming daylight in

Don't:

the winter they lose their leaves.• Plant evergreens on the north side of

your home to block icy winter winds.• Think about the tree's full-grown size

and shape before you dig.

• Plant below power lines. Falling treesand branches can cause power outages

• Plant too close to your home's founda­tion. Roots can damage the foundationor block sewer lines.

The wrong tree in the wrong place

could actually lower your home's ap­praised value if it's deemed hazardous,says Frank Lucco, a real estate appraiserwith IRR-Residential in Houston.Tree costs

Expect to pay $50 to $100 for a 6- to7-foot deciduous tree, such as a katsuraor evergreen. The same tree at 15 feetwill cost $100 to $200, according to BradSwank of Molbak's Nursery in Woodin­ville, Wash. The Arbor Day Foundationsells saplings for as little as $8 to $20, orless if you're a member.

Since trees cost money, be cautiousabout any home construction work."Treefailure can happen seven to 10 years afterconstruction, primarily because the rootsystem fails when the soil is compacted,"says Thomas Hanson, a member of theAmerican Society of Consulting Arbor­ists &om Kirkland, Wash. Also watch fordiseases or pests that can threaten treesin your yard and community.

This story was written byBrad Broberg and or7'ginally

appeared on HouseLogic.

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e -se uieo u i n a ouseReal Estate News

By Realtor com Team

Buying a house may be the mostcomplicated financial process of yourentire life. Luckily, we've broken it downinto 10 straightforward steps:1. Are you ready to become ahomeowner?

Whether you're becoming a home­owner for the first time or you're a repeatbuyer, buying a house is a financial andemotional decision that requires the ex­perience and support of a team of reliableprofessionals.2. Get a Realtor®

In the maze of forms, financing,inspections, marketing, pricing, andnegotiating, it makes sense to work withprofessionals who know the communityand much more. Those professionals arethe local Realtors who serve your area.

3. Get a mortgage pre-approvalMost first-time buyers need to fi­

nance their home purchase, and a consul­tation with a mortgage lender is a crucialstep in the process. Find out how muchyou can afford before you begin your homesearch.4. Look at homes

A quick search on our site will bringup thousands ofhomes for sale. Educat­ing yourself on your local market andworking with an experienced Realtor canhelp you narrow your priorities and makean informed decision about which home

to choose.5. Choose a home

will happen to housing values, if youchoose to buy a home that meets yourneeds and priorities, you'll be happy livingin it for years to come.6. Get funding

The cost of financing your homepurchase is usually greater than the priceof the home itself iafter interest, closingcosts, and taxes are added). Get as muchinformation as possible regarding yourm ortgage options and other costs.7. Make an offer

While much attention is paid to theasking price of a home, a proposal to buyincludes both the price and terms. In somecases, terms can represent thousands ofdollars in additional value — or additionalcosts — for buyers.8. Get insurance

without insurance, so it figures that no

While no one can know for sure what

homeowner should be without insurance,either. Real estate insurance protectsowners in the event of catastrophe. Ifsomething goes wrong, insurance can bethe bargain of a lifetime.9. Closing

The closing process, which in differ­ent parts of the country is also known as"settlement" or "escrow," is increasinglycomputerized and automated. In practice,closings bring together a variety of partieswho are part of the real estate transac­tion.10. What's next?

You've done it. You've looked at prop­erties, made an offer, obtained financing,and gone to closing. The home is yours. Isthere any more to the home-buying pro­cess? Whether you're a first-time buyer ora repeat buyer, you'll want to take severalmore steps.

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Buildable lot 84xt24. Subdivision with restrictions.This lot is located near the golf course in IslandCity. Ground is level. Nice homes built on bothsides of this lot. Utilities available. Single familystick built only. Owner will carry contract.MLS¹14074031

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10909 Kristen Way ¹37, Island City $67,500

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Full Service Subdivision; Lot 9-84.20 X 120.51.CC&Rs. R1 stick built homes only. Owner islicensed real estate broker. MLS¹11453054

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NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 5

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541-910-9083waysofroya/sy@gmail, eom1112 Adams Ave, La Grande, OR 97850

66547 Hwy 203, La Grande $375,000

2116 Resort, Baker City $220,0001876 Restored. Kitchen has granite counters andOak cabinets. Laundry area with abundant stor­age. Fixtures reflect the period time of the home.Over sized garage that can house 2 autos withroom left over. MLS¹125530305

602 Donald, Wallowa $165,000One level home with breezeway from Shop to Backdoor. 1,228 sq ft shop garage with roll up door.Carport is enclosed on 3 sides and extra storagein the breezeway. Galley kitchen, dining area.MLS¹13201525

Well maintained manufactured home on 38.5acres. Large 1728 sq. ft. finished insulated heatedshop. Two car insulated garage, horse barn, 6stalls and insulated tack room. Large hay barn withroom for 50 ton of hay. Fenced, cross-fenced, hayfield. Covered deck, fenced yard, many otheramenities. MOTIVATED QUALIFIED BUYERSONLY. MLS¹13469584

2106 3rd, La Grande $89,00061502 Hwy. 237, Cove $295,000

Electrical, heating, wiring and septic updates. Walkto library, grocery store, schools, warm waterswimming pool, restaurants, room for limited live­stock. 2460sf Metal Building is two shops in one,with covered carport. parking. MLS¹14219875

Nice 2 bedroom, 1bath home on 50 x 135 foot lot.Convenient location to downtown and the Library.Alley access from the back. MLS¹1 41 37466

465 F, North Powder $74,995Home w/extra storage area added to the back.Near school. Updated wiring, plumbing. Seller willcarry with acceptable terms. Sale is subject to Lotline adjustment to be paid for by buyer, approxi­mate cost between $2800--$3,000. MLS¹15370097

1BR w/large bonus loft and a bonus room in thebasement. Small yard so there is not a lot of mow­ing etc... This home will go fast. Newer metal roofand some remodeling done inside. MLS¹1 51 49298

1503 N, La Grande $67,000Two unit rental. Penn Ave side is one bedroom andrented for $500. 6th street side is 2 bedroom andrented for $525. Partial remodel inside. Built in1900. Good rental income. MLS¹15145928

1108 Penn Aveu La Grande $125,000Third bonus room upstairs current used as bed­room. Efficient, pantry and full basement for stor­age and laundry area. Newly fenced back yardwith patio. MLS¹15600547

1202 E. Aveu La Grande $155,500 68701 Hunter Rd, Summerville $399,900Metal barn with stables and hay storage. Shop andother outbuildings. Fenced and cross fenced forefficient use of the land.. Creek behind house, newpatio and back yard. Garden area. MLS¹15006327

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2610 Birch St, La Grande $124,500 22061st Stu La Grande $195,500 240 4th St, North Powder $89,900 60267 Morgan Lake, La Grande $310,0002903 N Depot, La Grande $179,000 The front living space is full of natural light and

flows into the dining room, for one great room,make this space your own. Great seating and firepit area in the fenced back yard. Small one cargarage and paved driveway. MLS¹15234522

Newer Jamaican wood floors, WlsonArt laminate,newer vinyl windows, black walnut trim. Large Oakkitchen has room for extra large table. Family roomwith 3 bedrooms and bath in the lower level, withlegal windows MLS¹1 5689656

Full of natural light, galley kitchen, large living roomwith Gas stove and additional family room.2 CarGarage. with storage, additional work shop. Supergarden spot, with raspberries asparagus,some fruittrees. MLS¹15545241

Updated insulation, foam skirting. 750 gal. waterstorage tank, barn rebuilt in last 3 years, with tackroom. Panels, gates, horse trough included. Polebarn kit ready to set up included. Lots of visitingwildlife, deer, elk, turkeys. MLS¹15454749

Beautiful 3 bed 2.5 bath in good location. Fencedback yard. Great deck in the back for entertainingand barbecues. Attached one car garage. Built in2010! MLS¹1 51 52164

190 E, North Powder $200,000

69475 Pumpkin Ridge, Summerville $255,000Country Place, with 1440sqft Shop. Complete withpastures, pond, fenced ready for you!. Home hasisland kitchen with pantry, Center kitchen islandand room for large table. Propane stove helps heat.Office that could be a 3rd BR. MLS¹15384952

10402 S A Street, Island City $150,000 j!IP

Two story building with new roof, allfunctions on lower 7000 square feet.Upper 5000 square feet could bedeveloped into apartments. The mainresidence is comprised of a 4ourbedroom, bath and 1/2, newly remod­eled with private entrance. The rest ofthe building is comprised of two moreapartments and a commercial operat­ing lounge and two RV parking spotswith full hookups. Buy this residenceand it will pay for itself.MLS¹13393632

Over 1700 square feet. This home has a ramp foreasy access with wheel chair or can be removed ifnot needed. On dead end street in quiet neighbor­hood. Just blocks from golf course in Island City.MLS¹15220413

SOED!1302 8th, La Grande $279,950

62294 Dial Ln, Summerville $359,900 1318 V Ave, La Grande $178,900 64412 7th Dru Cove $158,0004 units. Main unit is 2200 sq. ft. with a basement­4BR/2BA. 2 one BRs that rent for $490/mo. 1 stu­dio that rents for $355/mo. Main unit rents for $850.mo. Rented by the person who manages all theunits and does handyman work. MLS¹14474811

Beautiful home in secluded setting with over 4thousand sq ft. If your looking for country living atits best look no further.YOU HAVE FOUND IT withthis home. MLS¹15278217

Backyard and deck ready to enjoy. Open kitchenand huge living room with hardwood flooring. Newvinyl windows and exterior doors. Insulated, newerelectrical. MLS¹15071542

1.24 ac. with a small barn. Rock fireplace with gasinsert. Galley kitchen. Newer vinyl windows, roofand siding. Lots of storage. Master bath has roomto add shower/tub. Great views. MLS¹15347797

NORTHEAST OREGON REAL ESTATE6 — Friday, July 31, 2015

Brokers might ask you these 6 questions at anopen house so be ready to answer themReal Estate News So, perhaps all that home buyers

need is a little preparation. If they knowthe questions brokers are going to ask,they can be ready with answers, and ev­eryone can go home iperhaps to this veryhome?) happy. Here's your cheat sheet:

1. The question: How long have youbeen looking?

Why they're asking: The agentis trying to gauge how serious you are.If you've been looking for only a shorttime, say a few weeks, the agent willunderstand that you're just getting yourfeet wet — that you're still gatheringyour thoughts. If you've been looking formonths, then the agent might dig in. Thattells her you've seen a lot, but you haven'tfound what you're looking for. She's won­dering why you haven't pulled the triggerand, hey, maybe this is the house you'vebeen waiting for. How you should answer:

Be honest and specific. This is harmlessinformation.

2. The question: Are you working withan agent exclusively?

Why they're asking: Agents aretrained to respect boundaries. If you arerepresented by an agent, the open houseagent cannot try to represent you. Thisquestion sets the tone of the conversation.Don't be surprised if the agent asks whoyour agent is. Most agents who do busi­ness in a certain area know other activeagents. This way the open house agentcan call your agent — not you — for yourfeedback. You are insulated by your buyer­broker agreement.

How you should answer: If you'reworking with an agent, say so! Evenbetter, give the open house agent youragent's name and brokerage company.This protects you &om having to give your

personal information to the open houseagent. Rather than sign in with yourname, number, and email, you can sign inwith your name and your agent's contactinformation. That's all the open houseagent needs to follow up.

3. The question: How does this housecompare to others you've seen?

Why they're asking: Now that theagent knows how long you've been look­ing, she wants to get a sense of whetherthis house is a contender. She is also as­suming that you're touring other housesnearby iother "comps," as they sayl. Shewants your honest insight on whether herlisting is better or worse than the others.

How you should answer: Be hon­est. If the house around the corner hasa remodeled master bath and this onedoesn't, point that out. If you think thishouse could use some work, let her know.

By Chrystal Caruthers

Would you go to a fiiend's dinnerparty, nibble every course, drink a glassor two of wine, and then leave — withoutever speaking to the host? I hope not. AndI hope you wouldn't treat open houses thesame way. And yet home buyers often do,refusing to sign in or deflecting agents'questions about the house they're touring.

Sometimes they do it because they'releery ofbeing given a hard sell or handingover their personal information; others de­cline because they're uncomfortable beingput on the spot about a potentially hugedecision. Whatever the reason, this putsbrokers in a tough place: Open housesmight be fun for home shoppers, but toagents, they're work. Your feedback is themarket research they need to do their jobsright.

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NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 7

Remember, being honest about the housewon't hurt the agent's feelings. She'sindependent. Of course she cares abouther listing, but, unlike an owner, she isn'temotionally attached. This is one reasonfor sale by owner is diKcult.

4. The question: Are you specificallylooking at this neighborhood?

Why they're asking: The agent isn'tbeing nosy here, she wants to know howfocused you are. She wants to rule out thelooky-loos and focus on the serious buyers.If you are looking in that particular neigh­borhood but not interested in making anoffer on her listing, you've caught her at­tention. She needs to understand whatother listings have that hers doesn't. Nowshe's focused on knowing your trigger: Areyou focused on certain streets within theneighborhood? A certain style ofhouse?Or is it all about price?

How you should answer: Bespecific. If you're focused on that neigh­borhood, it's OK to say so. If you're openand still getting your bearings straight,it's OK to say so. These answers providedepth for the agent when she's talking tothe seller ie.go "The open house was great!

I had a buyer walk through who has beenlooking for a while and she is only look­ing in this neighborhood."). This tells theseller there are buyers out there — andthat adjustments may have to be made ifthose buyers aren't buying this home.

5. The question: What do you think ofthe price?

Why they're asking: This is prob­ably the most important question, but itmay not be the first one out of the agent'smouth, because she wants to establishrapport first. The agent knows that peopleare usually guarded when it comes toprice. She wants you to give a thoughtfulanswer, not a flippant one.

How you should answer: Now, thisis tricky. If you're not really in the marketto buy, or can't compare it to other houseson the market, don't just throw out anumber. Simply tell the agent you haven'tseen enough to give an educated answer.If you feel you can answer, say somethinglike"I think it's priced competitively" or"It's priced too high." The point is not to

give a dollar figure but to offer a generalperception. If you believe it's a good deal,say that. If you think it's overpriced, say

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that. Because if the house is overpriced,maybe the agent will call you once it'sreduced.

6. The question: Are you consideringmaking an offer on this home?

Why they're asking: Please don't

¹ ¹

take offense! The agent has a job to do,and this is a valid question.

How you should answer: As aprospective buyer, remember: You holdthe power. If you're planning to make anoffer, it's good news to the agent and letsher know to expect something in writing.It also might help you if the house is indemand so the agent will know there aremultiple offers coming in. That way, shemay not start negotiating without firstgetting your offer in hand. To some extent,this buys you time to call your agent andget your offer submitted. If you're notplanning to make an offer, it's fine to saythat, too.

Finally, please sign in. You don't haveto go overboard — you don't even have togive your last name.I Unless you wantthe agent to check your credentials onLinkedln.l No one is expecting to see thelist, not the broker's boss, not the seller.Signing in is, in some ways, absolutely un­important. But it is also common courtesy,the least — the very least — that you can doto preserve the social fabric of our society.

Got a searing open-house question?Send it to us at advice@realtorcom.

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10103 E. 4th Stn Island City $74,900lg' Ni ce older double wide with a carport and work­

shop. Fenced back yard with irrigation well andpump. Would make a great starter home or downsize. Maybe rental. Vinyl windows. MLS¹16012037

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1105 12th St, La Grande $124,900CALL TO ASK ABOUT FREEBUYER'S REPRESENTATION

Nice 2 bedrm1bth home on an easy care lot,withalley access.Close to shopping. Great starterhome or rental. MLS¹13166476

NORTHEAST OREGON REAL ESTATE8 — Friday, July 31, 2015

Century 215627

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 9

Century 215627

gQ — Friday, July 31, 2015

ea s tate eamNORTHEAST OREGON REAL ESTATE

Open Mondathru Friday

8:00 to 5:30Weekends byappointment.2106 Island Ave, La Grande, Oregon 97850 • Fax: (541) 963-3106

~01„,. Office: (541) 963-1000 • Toll Free: (866) 963-8800Each office is

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l rlll II62310 Wagoner Hill, Summerville $387,500 1303 8th St, La Grande $75,000

480 S. 8th Aveu Elgin $79,000Lodge Style 2800 s/f, 2/Level Home on 19 acres,views. New garage. Log siding, circular drive.Expansive living areas & enclosed decks.4BR/3BA. MLS¹1 559721 0

709 C Ave, La Grande $60,000Endless potential in this 2BR bungalow. You can'tbeat the central location being a short distance tothe University and down town. Bring your creativeeye and make it your own! MLS¹15449959

Property would make good commercial work livelocation. Check with City for use. Needs majorrepair. Large shop. MLS¹14602928

Good home in a location that would be excellentfor students. Very functional floor plan with bed­room and bath on each side of the house. Openlivin s ace. Privac fenced ard. MLS¹15669894

120811th St, La Grande $86,900

Home is not what is being sold here. Lot value onlyMLS¹15390395

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1021 S. 4th St, Union $94,392 1802 Russell, La Grande $105,000 1905 Oak St, La Grande $117,500 195 F St, North Powder $124,0001602 7th Stu La Grande $99,900HUD Home sold as-is by electronic bid only. Prop.Avail 5-12-15. Bids due by 11:59PM Central Timedaily until sold. Uninsured. Eligible for FHA 203K.BLB Resources makes no warrant MLS¹15185103

Pride of ownership shows in this solid 2BR/1BAhome on double lot! Home has new carpet, win­dows and flooring. Well maintained yard, largedeck and mature shade trees! MLS¹15084455

Adorable home on south side with original woodwork! Great ceiling height, space and gas fireplace. The backyard is fenced and the detachedara e has alle access. MLS¹14029482

3BR/1BA, remodeled kitchen with stainless steelbuilt in appliances! There are hardwoods in theopen formal dining next to a spacious living room!The land has tons of otential. MLS¹15368441

Cute 2 bedroom home on corner lot. Spacious liv­ing room, updated bath, convenient back porch,fenced yard and garage/storage. Perfect for what­ever our needs are! MLS¹14299481

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19071st St, La Grande $134,500 1401 W Ave, La Grande $145,000 2206 Pine St., La Grande $152,0001206 Cedar St, La Grande $139,900 1602 Oak St, La Grande $139,9002 bedrooms one new bathroom. Room to remodelin full basement. Large fenced yard with alleyaccess. Recently rewired. Original garage. Largecared for shade tree. Broker owned. MLS¹15252976

Don't want a project?! Come look at this 2 bed­room, 1bath home in South La Grande on a largecorner lot! With a total remodel, this home has hadthe work done for you! MLS¹15541510

Looking for a large home? This 3 level, 5 bedroom,2 bath home has lots of space! Use the full base­ment as your legal 5th bedroom, or as a secondliving room! MLS¹15126659

Cute 4 bedroom, 2 bath home w/laminate and tilethroughout! Master suite w/walk in closet. Outsideenjoy fenced parking, large patio, dog kennel anda slab to build your garage! MLS¹15178905

Art deco bungalow in prime location. Sits on alarge fenced lot with a 2-car garage. 2 BR charm­ing home has updated electrical, roof (2003), &front porch tastefully remodeled. MLS¹15439170

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603 M Ave, La Grande $154,900 702 Y Ave, La Grande $157,000 605 G Ave, La Grande $159,000 975 4th St., Union $159,900 1501 Jasper Stu Cove $159,900Several upgrades lately. Bath on each levelWalkout from lower level to private backyard withwonderful pavilion perfect for entertainingLocation near EOU and schools. MLS¹13461105

Very solid home with a huge private lot. 3 spaciousbedrooms, FP, family room and tons of potential.Outside this property really shines! Big yard, gar­den, mature trees, fenced. MLS¹15537350

Southside 3 bedroom, 2 bath home sitting on agreat fenced lot! With a living room, family room,and converted garage to living space, this homehas lent of room to s read out! MLS¹15541628

Extra parking, large level corner lot. 3 bdrms and 2bathrooms, large family room that opens to decksand fenced yard. Double car garage, off streetparking & a new roof. MLS¹14541715

Have you always wanted that cottage with tons ofwindows in a small town? Maybe a really big lot?Why not throw in a nice detached shop/garage?This 3 bed/2bath Cove home is it! MLS¹15123513

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62616 Fruitdale, La Grande 369,000 92 Oak St, La Grande $174,900 1202 Bryan Stu Cove $177,500 660 Albany Stu Elgin $179,000 1106 Frontier Ct, La Grande $187,5004+ acres. Lovingly remodeled & cared for. Thecrown jewel is the large country kitchen & sunroom. 4 bdrms, 2 bathrms, a nice family room &open living/dining area MLS¹15586157

Lofty one level 3BR/2BA. Open living room withpicture window view of Grande Ronde Valley.Covered deck, large fenced back yard and viewsout the back to the mountains. MLS¹15457351

3BR/2BA, with an oversized two car attachedgarage with an additional detached shop for thoseextra projects. Back fenced yard with a great playstructure. MLS¹14639584

2005 Construction in a cul-de-sac! This 3 bed­room, 2 bath home features an office (or 4throom), open concept, attached double garage andgreat RV parking! MLS¹15062316

If you are interested in a comfortable 3 bed home,a perfect fenced yard and a shop that will makeyour friends jealous, this Elgin home is for you.MLS¹14302427

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 — gg

aRandy McKinnis Shawna McKinnis Ho l ly Walker

(541) 786-0068 Cell (541) 786-0069 Cell (541) 963-0307randym@eoni.com nhawna@eoni.com holl ywalker@eoni.com

.r , %

aley HinesPrincipal Broker, SFR, GRI

(541) 786-5285haleyhinen@eoni.com

Broker/owner, ABR, GRI Broker/owner, ABR, GRI Broker, GRIBob UllanPrincipal Broker

541 910-4433

Sharron LangdonPrincipal Broker, GRI, SFR

(541) 913-4306aharronlangdon@gma!Lcom

Broker, MemBer of Qregon/SW Broker

Iaze @eoni.com Ianajcoke@gmail.com

Patty Glaze Lana Coke

Waekrngfon Ckapfer CCIM (541) 962 54 1 1 3

Amanda May T a mmy Dockweile

(541) 805-9525 541- 786-8824amandamay@remax.net tammy.dockweiler@gmaiLco

Broker Broker

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300 N16th Aven Elgin $189,725 608 Main Stu Cove $190,000 18061st St, La Grande $199,00097 N Ave, La Grande $189,000 1810 Oak St, La Grande $204,900Beautifully built with Tamarack logs. Make thishome yours at a great price and settle into thequality. Nice corner lot with a two car log garage.MLS¹15155623

Updates to kitchen, bathrooms in progress. Threeoutbuildings provide storage and work space. Fullyenclosed yard and dog-run, and extra space onthe back half of the property. MLS¹15046626

4BR/2BA. Open living area, living room, diningroom, family room with extra kitchen space.Fenced back yard with mature trees, privacyPartial basement, outbuilding. MLS¹15114075

4BR/2.5BA, updated kitchen, HW floors, vinylwindows, newer roof. Large family room: use asoffice, separate living quarters or rent.Views, pri­vate backyard, double garage. MLS¹15496057

Stunning view from this west hills 1 plus acre site.Can be divided. Please check with the City foruses. One of a kind location. By appointment only.MLS¹15206267

2507 Starlight, La Grande $207,500 1801 Foley St, La Grande $214,900 1712 Glacier Stu La Grande $215,000 1905 Linda Ln, La Grande $229,000 10904 McAlister, Island City $239,900Beautiful custom home that is ready for a newowner. Wide open floor plan, use for entertainingor just be able to see everything. Nice attachedgarage. Quality throughout. MLS¹14116383

Spacious home on one level. Recent updatesmake this a very attractive home with open livingarea, breakfast bar, lots of room both outside andin. Attached garage w/shop space. MLS¹15265150

Open floor plan. Landscaped well and has coveredcarport that could easily be a garage. Built in gasfireplace open kitchen dining area a formal livingroom great views! MLS¹15390127

2000+s/f, one level, 4 bedroom home w/bonusroom. Formal dining area/eat in kitchen. Newermaster suite w/nursery or office area, newer roof,large deck, fencedbackyard, UGS. MLS¹14019774

3 bdrm/2 bathroom across from LG Country Club.Shop with tall door and great work space/attachedstorage. Well for yard with large green house andgarden area. MLS¹14022492

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1602 4th St, La Grande $240,000 1101 N Ave, La Grande $248,500 2010 H Aveu La Grande $230,000 1400 B Aven La Grande $268,900604 Modelaire, La Grande $264,900Looking for a beautiful remodeled craftsman homewith all the original character? Professional land­scaping, central air and large front porch are wait­ing for you! MLS¹15229391

Classic Bungalow w/large open living & formaldining area. 4 bdrms & 2 full bathrms. Spaciousopen floor plan, great living space offers option tobe a duplex or large home. MLS¹15201665

On .80 acres this 4 bedroom 3 bath home offersspacious living and plenty of shop space. There isan 1800 sq. ft. finished shop and a 576 sq. ft.detached garage. MLS¹15252884

Gorgeous views of the mountains and valley froma 1200 SF cedar/redwood deck! Private entries,beautiful landscaping, new $10,000 kitchen andplenty of updating, a must see. MLS¹15682218

Hardwood flrs and plenty of storage, 3 BR, plusbonus room. Family room, formal dining, livingarea exits to well landscaped lawn. Private with ahot tub and 3 car garage. MLS¹14034411

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57853 Godley Rdn Union $275,000 69704 Wapiti Ln, Cove $275,000 64031 Mt. Glen, La Grande $275,000 1302 B. Aveu La Grande $299,9001202 Aspen Dr, La Grande $269,000A quiet retreat that feels much more private thanthe location would indicate. Tons of landscaping,relaxing water fall feature, natural light every­where! Amazing home. MLS¹15402999

5BR home on 9.79 Acres. This great property hasa Metal Shop building along with other outbuild­ings. Many upgrades to this home, including awonderful woodfloor in the kitchen. MLS¹14434239

1.72 acres with a pond and creek and an attachedgarage all in one place! Over 2,500 Sq. Ft. openconcept with formal dining area, 2 living rooms, 3bedrooms and 2.5 baths! MLS¹15030316

Painted inside and out, huge country kitchen, pel­let stove insert in the fireplace. Set up for horseswith several auto waterers, barn has power, water,lights and hay storage. MLS¹15275559

Stunning views from deck, both living rooms andMaster Bedroom! Open concept spacious livingwith 4BR/3BA! Custom master bedroom with thrucloset to the tiled en suite! MLS¹14310179

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57736 H)Ny 203, Union $325,000 750 Esther Ave, Imbler $320,000 66895 End Rdu Summerville $345,000 201 B Ave, La Grande $369,00072817 Palmer Junction, Elgin $359,500Amazing property right on Catherine Creek!Residential recreation land in Union County. 120acres, minutes from town with Catherine Creekrunning right through. Views! MLS¹15261648

Absolutely amazing custom home on 3 levels inImbler. Main floor master, fully finished lower withtheater room and office, 3 bed/2bath upper floorTop of the line custom. MLS¹15168228

Small acreage with amazing views in every direc­tion. Property is very productive, the house is solidand original. Both floors are fullyfinished with 3 fullbaths, FR downstairs. MLS¹15035267

7.46 acres, 3BR/2.5BA, detached 24'/36'insulatedsheetrocked shop/garage. Wonderful parking andturn around access. Saloon garden shed. Deck,fire pit, dog kennel. MLS¹1506775

2800 s/I of living on one floor. Formal entry hallleads to a formal & family living area. Open living& kitchen share a gas fireplace w/the slider exitingto a private backyard patio. MLS¹15071546

NORTHEAST OREGON REAL ESTATEg 2 — Friday, July 31, 2015

Open Monday thruFriday 8:00 to 5:30

2106 Island Ave, La Grande, Oregon 97850Each office is

~tasza Office: (541) 96 3 - 1 00 0 • Toll Free: (866) 963-8800

r . ' •

62397 Wagoner Hill, Summerville $388,900 69733 Knight Ln, Elgin $429,00069521 Pumpkin Ridge, Summerville $414,00098 acres. Exquisite country retreat offers a newsunny addition w/loft, many updates. Large rooms/woodstove/media room/2 family rooms, 4 bdrms, 4bathrm, bonus areas, reading loft, shop/garage.Horse set-up MLS¹15012974

67287 Shaw Creek, Elgin $445,000Pasture, gardens, orchards, spring for domesticwater, water rights. Machine, storage & coveredwood storage buildings. 3400+ s/f daylite 2 story5/3 home offers great hobby space & room for youranimals. MLS¹14482319

This beautiful 4 bedroom, 3 bath log home offersbeautiful views! Floor to ceiling windows & wrapdeck. Barn with stalls & shop has a bunkhouseupstairs with 2 bedrooms! Pond, parking and muchmore! MLS¹14638522

160 acres. Beautifully designed log home w/nicetruck bayport, potential studio/bunk house, gpoutbuildings, off the grid, generators, solar & pro­pane, LOP tags, pasture & merchantable timberincluded. MLS¹13245842

1001 S12th, La Grande $469,000Custom gourmet kitchen, wood floors, formal din­ing, open living room w/fireplace. Theatre room,master suite, 3 more bdrms on the main. Fullfamily rm & bonus rms in the finished basement.MLS¹11273970

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10303 White Birch, Island City $493,905 62435 Buchanan, Island City $499,900 60040 Thew Loop, Cove $579,000 67311 Grays Corner, Imbler $799,0004+ acres. Gourmet kitchen and dining area, 3600s/f has separate living areas and bonus rooms.Beautiful master suite, hot tub enclosure, largeara e, sho and wood stora e. MLS¹13419171

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Have you ever thought "I wish I had a huge threelevel log home on 12 acres with a view overlookingthe valley"? If so, this may be it! MLS¹14370752

61241 Stackland Rd., Cove 499,000

P

Custom kitchen, custom laundry, dining deck. 4BR3.5/BA, wood floors. 9.7 m/I acres. Loft barn, horsecorrals, new 2 car gr, storage bldg, shop, largearden, small orchard, onds. MLS¹15526730

2 bd home, dividable acreage, 5 general/multi­purpose buildings. Bonus room in basement cur­rently used as a bedroom. Lots of potential offeredb outbuildin s. MLS¹15218666

Custom home on 98.86 acres. 3 bedroom homewith soapstone countertops, spalted maple cabi­nets and top of the line appliances. 27 acres per­fect for vine ards, trees. MLS¹15525175

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202 Main Stu Boardman $379,000 125 SW 8th St, Pendleton $295,000319 SW 20th, Pendleton $225,000

1809 Penn Aveu La Grande $139,000Commercial Building 10,540 s/f, m/I. Set on 36,142s/f, m/I ground across the street from conferencecenter at "World Famous Pendleton Round Up"location. 1 level with on site parking. Presently abar, wood working shop w/additional rental spacesavailable. MLS¹13693643

202 Main in Boardman, Oregon. ProfessionalBuilding with 12 office rental spaces, 2 levels withgood access and parking on a .39 of an acre cor­ner lot. Very well kept building in an area of growth.Income potential in Port Of Morrow area.MLS¹15049299

La Grande, Oregon at Hwy 82 with high visibilityand great perimeter access. Zoned GeneralCommercial 16,584 Square feet with an employeehsing and storage building. The commercial pylonsigns will stay under Meadow Sign ownership withmaintenance easement recorded. MLS¹14696091

Many options for this property! 4 spacious build­ings (2 O 5000 sf, 1 O 6000 sf, 1 O 8000 sf,w/840 sf office space). All buildings but the northbuilding have wood floors. North building has con­crete floor. Historically used for seed cleaning andstorage. MLS¹14695064

410 Railroad Aveu Imbler $180,00012,500 s/f, m/I commercial land. Location off HWY84 O Emigrant, high traffic, visible O Safeway,Walgreens, and Super Wal-Mart. Presently arental and land rental space. Tear down house andbuild or add to your land bank. MLS¹13592801

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401 Adams Ave, La Grande $335,000 62867 Philynda Loop, Island City $375,0001602 4th St, La Grande $240,000

Looking for a beautiful remodeled craftsman homewith all the original character and WOW factor?You'll find it in this glamorous residence.Professional landscaping, central air and largefront porch are waiting for you! MLS¹15229391

Remodeled for medical use in the last few years,this office has 9 private exam rooms, receptionarea, office space, workout room. Up until recently,it has been a working urgent care facility. Greatlocation with easy access, plenty of parking.MLS¹13199350

Very utilitarian shop building with 6,000 sq. ft. ofshop area along with 2,160 sq. ft. of finished areaconsisting of an office, meeting area, ada rest­rooms and a kitchen. See RMLS Listing ¹14455958 for Listing of all buildings in this com­lex. MLS¹14457253

Property that is open to many possibilities! Was abank, jewelry store, and a brewery! Has someseating and tables left so bring your ideas andcome make this happen for you! MLS¹13199350

1202 Adams., La Grande $425,000 10505 W.1st St, Island City $489,000Newer Commercial Building with (2) two door baysand and 2 separate office area with 3 offices eachand a reception area. No load-bearing walls, socould be reconfigured. MLS¹12423150

2337 SW Court Pl u Pendleton=:' Pj' $595,000

1907 U Aveu La Grande $565,000Unhappy with other investment options? Wantsomething with good income and even betterpotential? Storage buildings in 3 locations, all forone price! Call for financials. MLS¹14195912

This building is part of RMLS listing ¹ 14455958and can be purchased by itself or as part of thewhole complex. MLS¹14289519

$850,00062867 Philynda Loop, Island City

Off Hwy 84 at Hwy 82 East. NNN/Tenant isStarbucks. 36 PARK SPACES. 800 to 1600 s/fvacancy is available for lease. MLS¹12584321

$1,200,0002712 Island Aveu La Grande 62867 Philynda Loop, Island City

$2,375,000

Medical Office in excellent high quality conditionwith room to expand if needed. WalMart SuperCenter location, 4 patient rooms, reception area,nurses station, 2 public bathrooms, 1 staff room,work room, Drs offices, tile floors and stoarge. Thebusiness, equipment and furnishings are notincluded. MLS¹14367411

This property is a mix of 5 commercial buildings, aconvention center/church type building and poten­tially (3) 2 acre home sites. MLS¹14455958

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 — g3

lk";~ k+. •

1¹ '

I g iON SALE NOW

IEOINL HOUSNGLENDER

$3] 95

$14595

926420Karin Sturm, loan officer NMLS¹

Valerie Smith, loan officer /branch manager NMLS ¹ 61123

Brady Anqelos, loan officer NMLS¹796T51

Laura Hasbell, processor.

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' I ' I ' ' I ' II I II II ' ' I I s I

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ea state eamp en o n a ythru Friday

8:00 to 5:30Weekends byappointment.

SNIL NOWNOPPORIIIIIIIT

2106 Island Ave, La Grande, Oregon 97850 Fax: (541) 963-3106

~01„r. Office: (541) 963-1000 • Toll Free: (866) 963-8800

Ta

Each office isindependently owned

and operated

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35513 Keeney Fork, Long Crk $864,000 757 SW 28th Stu Pendleton $147,000205 N. Camas Ct, Ukiah $49,000Large, fenced back yard with a storage building

and covered patio. Extensive remodeling andsmart updates. New carpeting, new paint through­out, new trim, remodeled bathroom, and refinishedhardwood floors. MLS¹15449675

Eastern Oregon Ranch located out of Long Creek.1093 acres m/I. One mile creek runs through prop­erty, Malheur National Forest frontage, landownerhunting tags. Seasonal summer grazing, loft barn,outbuildin s and old home lace. MLS¹15189471

Single wide MF home on approx. half an acreTotal of 3 outbuildings, largest is 900 sq.ft. Ukiahsecluded area, in the heart of Eastern OregonMLS¹15231563

205 Whipple St, Wallowa $41,000

66056 Upper Imnaha, Imnaha $942,500Customhigh quality 5 bdrm,3780 s/f home on over221 acres, pasture, water rights & grazing. Generalpurpose bldg shop 3350 sq.ft, w/concrete flr. 47acres sub irrigated, CRP, remainder dry ag/resource land. Water rights* MLS¹15196547

Great little fixer. Two bedroom One Bath on a largelotand shop. MLS¹15474038

¹

70493 Swamp Crk Ln, Enterprise $1,290,000 790 Diagonal Blvd, Hermiston 89,900Joseph panoramic views over pastures, ponds & Wallowa Valley to the majestic mountains. Custom highquality 5 bdrm,3780 s/f home on over 221 acres, pasture, water rights & grazing. General purpose bldgshop 3350 sq.ft, w/concrete flr. 47 acres sub irrigated, CRP, remainder dry ag/resource land. Water rights.MLS¹15100582

Multi Unit or tear down and build new units. Largelevel lot with good access to downtown Hermiston.2 bdrms on one side one on the other. Two tax lots.MLS¹14691611

83834 Airport Ln, Joseph $3,980,000Historic Hayes Family Ranch is one of Wallowa County's oldest & most revered farms including productiveirrigated hay fields. Remarkable setting on the Wallowa River & set O the Wallowa Mtns, minutes toJoseph, Wallowa Lake & Joseph Airport. Stunning 147 acre+- home place.MLS¹13056875

NORTHEAST OREGON REAL ESTATE'l 4 — Friday, July 31, 2015

Think you don't need f ood insurance? Think againBy Ed Finkel

Flash flooding &om intense stormsover central Texas and Oklahoma overthe past week has brought images of riv­ers and bayous overflowing their banks,streets inundated with water, homesfloating off their foundations, and cars setadrift.

In Houston, more than 4,000 homeshave been damaged by the muddy watersso far, officials say. Rebuilding thosehomes will take months, if not a year ormore. But some homeowners may notget all the help theQ need, because theydon't have flood insurance.

While homeowners in high-risk floodplain zones are required to buy flood in­surance, others should consider buying it,too. More than 5.5 million homeowners inmore than 21,000 communities across theU.S. already do, according to the FederalEmergency Management Agency.

"Anywhere it can rain, it can flood.When you consider that, and what's goingon in Texas, which was in the midst of adrought until last week — homeowner'sinsurance policies do not include flooddamage," says David Schein, a regionalflood insurance specialist for FEMA.

'You don't have to be in a high­hazard area to flood. We pay claims forthe obvious: a stream, creek, river comingover its banks. However, in an urbanenvironment that's paved, the water canbe just ponding, or pooling on its way intothe stream. That can be a covered claim,water flowing over the land."

Why buy floodinsurance?

emergency in the U.S., according toFEMA, and they usually strike withoutwarning. Flooding can result from hur­ricanes, tropical storms, cyclones, plainold heavy rains, winter storms, springthaws, overburdened or clogged drain­age systems, or occasionally from nearbyconstruction. The increased developmentofbuildings, parking lots, and roads hasmade flooding more severe throughoutthe country, FEMA says.

You can live miles away from waterand still be a victim of flooding. It takesonly a few inches of floodwater to causetens of thousands of dollars in damage,

Floods are the most common weather

And don't assume that federal

High-risk flood zones: Insurancerequired

People buying homes in certain des­ignated flood hazard areas are requiredby FEMA to purchase flood insurancebefore getting a home loan &om federallyregulated or insured lenders. High-riskareas are those declared to have at leasta 25% chance of flooding during the typi­cal 30-year mortgage. FEMA estimatesthere are about 30 million structures,both residential and commercial, in thatposition nationwide. There's less risk of astructural fire in your home, Schein notesiabout 10%, over a 30-year mortgage), yetno one questions the need for fire insur­ance. You can find out if you're in a floodzone or get a full breakdown ofhigh-risk

according to FEMA.

disaster assistance will bail you out whenthere's a flood. It's helpful to homeownersonly when the U.S. president declares astate of emergency — and is usually a loanthat must be repaid with interest, FEMAnotes. Flood insurance policies pay out onqualifying claims whether or not a federaldisaster is declared.

What kind of risks am Irunning?

Flood insurance is available in morethan 22,000 communities that participatein the National Flood Insurance Program,created more than 45 years ago. Theprogram requires certain flood plain man­agement initiatives in high-hazard areas.However, it also offers policies outside offlood plains, whether or not your propertyhas flooded before.

''What we're hearing from our offices

subcategories.

Low- to moderate-risk flood zones:Still recommended

body of water may still want to considerbuying flood insurance. About 25% to 30%of flood insurance claims come from areasthat have less than a 1% annual chance offlooding, according to FEMA. The agencystill recommends flood insurance in theselow- to medium-risk areas, and in facthomeowners and businesses there mightbe eligible for a lower-cost preferred riskpolicy.

You can find out your property's levelof risk at FloodSmart.gov. This can helpyou assess your potential flood insurancepremium.

How to get insuranceand what it'll cost you

Homeowners who aren't close to a

ers or renters. Residential condominium

Drew Anthony Smith/Getty Images

in Texas is that a lot of people who hadmajor damage are quite far outside them apped flood area," Schein says, addingthat it's not terribly unusual.'We hearheartbreaking stories all the time . W ehear, 'My insurance agent told me I don'tneed it.'What the agent should have said,or meant to say, is: The bank is probablynot going to require it.'That's not thesame thing."

Premiums vary depending on thedate of construction and relative risk ofthe area — they average $550 per year­and most policies have a 30-day waitingperiod before coverage begins ithat's soyou don't take out a policy as you see thewaters rising). Homeowners can purchaseup to $250,000 in coverage for their home.Separate coverage is available for itscontents, of up to $100,000 for homeown­

associations can purchase up to $250,000of coverage for each eligible unit, or thereplacement cost of the building, which­ever is less.

Ed Finkel is a writer in Evanston,11, where he covers law, health, educa­

tion, and the retail industry. In the past 18years he has bought three hom es, sold two,

and rePnanced ahout a half dozen times

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 — g5

SunfireBaker

Eastern Oregon's First 8 OnlY Design Center!

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NORTHEAST OREGON REAL ESTATE'i 6 — Friday, July 31, 2015

Dear College Grads: Start Saving for Your Dream HouseNow (and Other Unsolicited Advice for Your Future)Real Estate News

By Erik Gunther

Congratulations, new grads: You're&ee! After four long years at college, it'stime to move on to the next stage of yourlife: adulthood.

That means you get to start thinkingabout exciting things like your first job, a401ikl, and — sexiest of all — homeowner­ship. And while you might still be sleepingoff those Jell-0 shots from last night, it'stime to wake up, chug some water, andstart preparing yourself financially — ifbuying a house happens to be one of yourlong-term goals.

Start preparing now, and buying ahouse won't be a struggle."If you makegood money, you have a clean creditrating, and you've got enough moneyset aside for the down payment, buy­ing a house is not really a big hassle,"says Stewart Koesten, the chief executiveand executive chairman of KHC WealthManagement in Overland Park, KS.

Sounds easy, right? Make money,save money, have good credit. Ta-da, ahouse! Not so much: Getting your financesin order for homeownership can be achallenge, even if your goal isn't a luxurymansion. Here are seven ways to startachieving those goals right now.

1. Get your credit score in orderSure, your mailbox may be overflow­

ing with credit card offers and the idea of"paying the bills" still seems a bit confus­ing, but now's the time to start gettingyour credit score in shape. One simpleway to start building a history: Get yourfirst credit card, because the credit bu­reaus consider the average age of your ac­counts when evaluating your score — andyou'll want a great score when it's time tobuy a house.

But if you have a history of over­spending, this may not be the right solu­tion for you. A long credit history with ahigh balance and poor on-time paymentrecord will do more damage. One optionmight be a secured credit card, which isbacked by a cash deposit that's usuallyequivalent to your limit. That way, youcan never spend more than what youhave available.

"There's not too much differencebetween a good and a great credit score,in terms of buying a home," Koesten says.The maximum score is 850, but once youget above 700, the only ma jor advantage abetter score will get you is a few points dif­ference on your interest rate."A bad creditscore will hurt you. If you have a creditcard or debts you didn't honor, and youmessed up your credit in the process, itwill be detrimental to the whole process,"he says.

If you have student loans, a creditcard may not be necessary. They alsocontribute to your score, so focus on pay­ing them down regularly iand on time) toimprove your rating.

2. Consider jobs with homeownershipin mind

Image Source/Getty Images Ireneusz Skorupa/IStock

an app like Digit or Acorns to invest yoursmall change.

3. Pay off that debtIf you're like most young Americans,

you'll be coming out of college with amound of debt. iThe national average fora 2015 grad is $35,000! l It's easy to ignoreit, but balancing a mortgage and yourstudent debt payments is a big burden,even with a generous salary.

Make paying off your debt your No.1 priority, even if it means sacrificingother goals in the short term. For in­stance, if you have the opportunity to liveat home while working for a few years,do it! iSeriously, we're not judging — justknow what you're getting yourself into.)Or give up smaller pleasures, like Star­bucks and gym membership, until you've

It might be a little too late to changeyour major, and we'd never suggest pass­ing up your dream job just for money. Butif you're still evaluating your career pathii.e., you really have no idea what youwant to or can do for the rest of your life)and homeownership is your dream, makesure to keep finances in mind when you'researching.

It's not just about the salary: Doesthe company match your 401ikl contribu­tions? That will save you tens of thou­sands of dollars down the line. Are therecareer opportunities in the cities whereyou'd like to eventually purchase a home?Everyone should do what they love — butfirst, make sure that the career you craveis aligned with the lifestyle you dream of.

The easiest way to start saving is tosmart small: Put away $10 a week, or use

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 — g7

want

paid down your debt. Short-term indepen­dence is a worthy sacrifice for long-termfreedom. Plus, making regular paymentswill help improve your credit score.

If you've graduated college withcredit card debt, m ake that the priority:The super-high-interest rates that comewith most student credit cards can makethem a crippling financial burden foryears to come.4. Decide what kind of home you

You're young — it's OK if you don'tknow a ranch home from a Colonial. iUn­less you were an architecture or urbanplanning major, in which case, uh, maybebrush up on Design 101 before gradua­tion.l But you should start thinking aboutwhere you want to live and how you wantyour future lifestyle to look. Would youfeel lost without a yard? Or are you moreof a city person, dreaming of a pristinerowhouse?

Even if you're just looking to buy astarter home or studio apartment andsave the dream home for your future, it'simportant to keep in mind how you'd liketo live.

First, make sure your financial fu­ture matches up with your ideal location.

"If you have a modest income in anarea that requires higher incomes to livewell, you have to adjust your expectationsand live where you can afford," Koestensays."Don't try to be too aggressive withyour finances."

Don't worry if you haven't mappedout all of the specifics yet. Even a generalidea of your goals can help you developa financial plan that meets your futureneeds.5. Start saving your money

No one's surprised that homes are ex­pensive — you can see the price right thereon the listing! Your dream home mightcost more than four years' tuition, but youjust need to save up for the down pay­ment, right?

Not so fast. What can be surprisingis how much is due upfront: In addition toyour down payment, you'll have to pay fora home inspector, any relevant taxes, anda bevy of closing costs. Together, they canadd up to 5% ior morel of the home's price.

"Make sure you have sufficientreserves, so when you do eventually buy a

home you're not tapping all your re­sources," Koesten says.'You want enoughmoney left over after you buy the home togive yourself a little cushion."

Sure, it seems like a lot of money — itis a lot of money! — but the sooner youstart socking money away, the sooneryou'll be able to start looking for yourdream home.

6. Don't play games with your savingsDon't treat the housing market like a

casino and gamble with your future home.As tempting as it might be, dumping

your home savings into the stock marketwilly-nilly could lead to major trouble ifthere's an upset right before you're look­ing to buy. Either hire a financial adviseror stick to high-interest savings accountsand CDs.

years, the money you've saved has a highprobability ofbeing there," Koesten says.7. Don't fall for lifestyle inflation

It's fun to make money: More nightson the town! A bigger apartment! Youcan finally get a dog!

Rein in your impulses, and nev­

'You want to make sure that in 10

er change your lifestyle because of yoursalary. A big jump in income is a hugetemptation to spend more on eating outor entertainment or weekly happy hours,especially if you've been living on a collegestudent budget.

Our advice? Ignore the impulse.The No. 1 way to throw off your financialgoals is to fall prey to lifestyle infla­tion. Raises and bonuses serve you besttucked away in your savings — even ifthat's not as much fun.8. Start small

your forever home. You may love theidea of a white picket fence and multi­acre lawn — but it's OK to start savingwith a smaller home or apartment inmind. If you're planning on staying inone place, purchasing a modest house orstudio apartment can be an excellent be­ginner home. Don't feel bad if you can'tafford your dream home off the bat: You'vegot many years left to save.

So, are you ready to get out there andstart saving for a house now? We surehope so. After all, you're not getting any

Your first home doesn't have to be

younger.

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NORTHEAST OREGON REAL ESTATE'l8 — Friday, July 31, 2015

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1806 26th St., La Grande$39,900 10303 S Sterling St. Island City tr

Nice Hillcrest doublewide with 3 bed­rooms and 2 bath. This 1440+/- sq. foothome has a covered carport with stor­age shed, vinyl windows and siding, andnew comp roof in past year. All appli­ances stay. Ready for you to move in.Sprent is 250 and includes sewer,waterand garbage. MLS¹14304591

341 N. 7th Ave., Elgin $65,0001981 Liberty manufactured home withgarage/shop. Newer laminate flooring &newer kitchen cabinets, most windowsare updated vinyl windows, 4BR/2BA,lots of built in storage. The garage has anice shop/working area, storage room,plus room to park a v e hicle.MLS¹14675438

365 N. 7th Aveu Elgin $89,700Well cared for 2000 Marlette with1404+/- square feet, 3 bedrooms, 2baths and an island kitchen plus 400+/­square foot s t orage building.MLS¹14082658

1607 Adele Terrace, Elgin $89,900$232,000

Beautiful family home in great neighborhood!Enjoy this 4 bedroom, 2.5 bathhome with formalliving and family room. The garage has beenconverted to the ultimate kid's playroom withloft. Modern kitchen with all the conveniences.Large, fenced back yard with shed.!MLS¹15679206

0 Rose Ridge Rd, Cove $39,900Lot I in Rose Ridge Subdivision. Beautiful oneacre lot in Cove with valley and mountainviews, ready for your dream home! The City ofCove is ready to issue building permits and allutilities available. DEQ Approved forConventional Sand Filter System. Water avail­able at the street. MLS¹14571683

Three bedroom home has new roof, vinylsiding and windows, new floors, bathupdated, gas heating stove, kitchenstove, ceiling fan in dining room.MLS¹15560864

71406 Palmer Juncton Rd. Elgin$260,000 62838 Ernest Rdu Elgin $288,500

624 S 2nd Stu Union $54,900

3BR/2BA MF with carport, extra parking, openfloor plan, parlially fenced yard. Kitchen has anisland and is open into the family room. Wellinsulated, vinyl windows, electric furnace andcentral air conditioning. Owner is negotiable,may be willing to credit buyer towards new car­peting. MLS!!15619507

1205 Benton Av, La Grande $87,500Pine trees, Quaking aspen grove, panoramicviews and sunsets with this fenced 3.89 acres.Detached Shop/garage with attached boat/ATVstorage. Renovated 3 bdm, I I/2 ba, largebonus room has wood heat new carpet, vinylwindows, ALL new SS Appliances, interior paint,light fixtures & countertops, new baths, laminate& carpet fl. Vast back deck, metal roof, fibercement siding. MLS!!15296634

2 Acres of pasture & fenced yard with anewer home(4years) & open living space of2188sq. ft. vaulted ceilings, 3 bdm, 2.50 ba,office, kitchen includes granite countertops &bar, SS appliances, oak cabinets, tile floors,dining room, wood & cadet electric wall heat­ers, attached 2 car garage/opener, spectacu­lar 180* MT. views, covered patio, picnicarea/firepit & garden space. MLS¹1 5011570

Nicely kept 3 bedroom lbath Champion 1971double wide set on corner lot close to schoolsand downtown. Room for that garden, nice stor­age shed, carport. Home is having some paintdone. Refrigerator and kitchen stove stay. Selleris motivated. Home is sold AS IS. All vinyl win­dows. New roof 2 years ago.Furnace 9 yr. old.Lg. storage/tool shed. Very good starter home orrental.Partial fenced.Formica counter tops.MLS¹15425946

500 Albany Stu Elgin $166,850 Bungalow in excellent location on the southside of La Grande, blocks from sdtools &Eastern Ore. University, two bedrooms, I bath,vinyl siding, vinyl windows, good roof, gasheat, off street parking, dedc, rxtte badc yard, &very affordable at $90,000.00. Put some ofyour sweat equity into updating inside...anexcellent opportunity! MLS¹15636058

1705 Walnut Stu La Grande $90,000Special turn of the century 1889 4BR/2BA ismove in ready with 2516 sq. ft.m/I. Gas fireplaceinsert, 2 bay windows, high ceilings, new lloors,beautiful kitchen, all appliances, diningroom, large master bedroom & bath withwalk in closet. Landscaped, fenced yardwith deck, garage. MLS¹14259588

1210 Adams Ave $48,500

71867 Palmer Junction Rd,

Ten acres m/I just a few minutes fromElgin, Oregon. Set up with a 1972manufactured home, with stick builtaddition that includes a partial base­ment. Outbuildings include a smallhorse barn, shop bldg., & garden shed.MLS¹13332444

Elgin $171,000

72406 Yarrington Rdu Elgin

Here is that gettaway. Nice cabin withbedroom, kitchen, bathroom and loft.Large pond with fish, shoot your deerfrom the window. Needs water hauled inat this time but has spring that can bedeveloped. All on 12 acres m/I. Largeshed/garage. Owner motivated, so quitprocrastinating. MLS¹1 5434984

$162,500

Well established Thirty Year Business beingoffered FOR SALE!! The owners are retiring andThe La Grande Bible Book & Supply BusinessOpportunity is open. Inventory includes: BIBLES*BOOKS*MUSIC*CARDS*GIFTS*MOVIES* &more. Great potential & plenty of space toexpand Ihis business with addilional plans &ideas. Enjoy faithful, friendly, supportive clien­tele base. Assume lease agreement on excel­lent core downtown location. Asking 48,500.MLS¹15564942

41016th Stu La Grande $199,000Recent remodel-fabulous kitchen and granitecounter tops, brandnew appliances, fireplace inliving room with granite mantle, family roomlarge enough for the big screen and apool table! New paint, vinyl windows,plus large attached two car garage, RVparking. MLS¹14598355

1006 21st Stu La Grande $207,500 $36,000Affordable, 69' x 84' buildable lot on FrontierCourt with natural gas, electricity, phone,cable, water & sewer to property, tap fees arepaid. Paved road, very convenient location inLa Grande. City set backs are 16' front, 15'back, 5' sides. Ready for that new home!MLS¹9049112

1008 Frontier Court, La Grande

3bdrm/3.5 bath two story home on South LG.New kitchen remodel, added daylightroom, 2 car garage, and close to alldowntown activities. Landscaped withnice decks up and down. MLS¹13445364

70379Valley View Rdu Elgin 1901 Linda Ln., La Grande$209,900 $226,900

3BR/2BA with 3+ beautiful acres. 2-car+garage and horse barn with tack room.Garden shed for all of your yard equip­ment and ug sprinklers. Fully fencedwith creek running alongside the prop­erty. This is a perfect property forhorses and other animals. NewSeptic System. MLS¹14197901

Very nice 3 bedroom 2 bath home inone of La Grande's prestigious housingareas. Remodeled kitchen, sunken liv­ing room, fireplace, and 2 car attachedgarage on corner lot. Just a choicehome. A must see. Owner has now putin all NEW carpeting throughout homeMLS¹14629934

Experience valley and mountain viewsfrom this 1/2 acre lot (m/I). Existing barnwith city utilities available. Ready foryour home!Ask about the additional lotfor sale to give you nearly an acre...MLS¹15163774

0 School Stu Halfway$37,500

$274,50062429 Starr Lnu La Grande

Selling "as is", priced to sell. Solid home needsupdating, 3 bedrooms, 2 baths, finished base­ment. Good prospect for cleaning, painting, newfloor coverings. Has several outbuildings, sea­sonal creek, horse pasture. MLS!!15470280

$259,00016x20 shop bldg., private back yard with 14x40redwood deck. Built-in cabinetry, hardwoodflooring, spacious living room with fireplace,dining room, remodeled kitchen, large bed­rooms, basement with family room andstorage, two car garage. MLS¹13396065

1509Walnut Stu La Grande

73551 Hwy. 82, Elgin $189,900A great 160 ac piece with building site andpower...needs well and septic, private andviews. Hunting, orchard, and nice spring at S.end, raiseyourcowsandhorses.MLS¹15070758

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 — g9

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53100 Hwy. 203, Union

69566 Haefer Lnu Cove $359,000If you can stand elk, deer, cougar, bear,turkey, grouse and probably a wolfThis is it. Two LOP tags for deer and 2LOP tags for cow elk on this 160 acreswith nice 1320' cabin, outhouse, gen­erator, kitchen, 6 queen, 1 twin beds inloft and private bedroom, plus livingroom. MLS¹14436238

222 School Stu Halfway

Beauliful views available from this I/2 acre (m/I)lot just on the edge of town. City water/seweravailable; Ready for your home! Opportunity topurchase adjacent lot to give you nearly a fullacre... MLSI!15624997

$32,500$289,000

Totally remodeled farmhouse with3bdrm/1.5bth, new master bedroom,landscaped, pond, garden, waterrights, large old barn, machine shed,very Ig. shop, other outbuildings, all on2 ac. MLS¹1 4286729

2508 0 Aven La Grande $385,000Wrap-around porch, home office, oak kitdtenwith pantry & stainless steel appffanrx.s, mas­ter bedroom suite, basement familyroom & exercise room, plus walk-insafe! Remote operated blinds, inter­com system, built-in vac, privacyfence,patio, hot tub, ug sprinkling, 3 cargarage. MLS¹10063120

71787 Hwy. 82, Elgin $750,000173.10 acres m& spring fed pond, evergreentrees, fruit trees, farm ground, large shop.Located just north of Elgin. Very nice rxtstomhome, approx. 3600 sq. feet; maple hard­wood & tile flooring, granite countertops, stainless steel appliances, wraparound deck, & more! MLS¹13232560

1212 V Aveu La Grande $29,950Very nice level lot with utilities at the street.Come and build your home or put yourManufactured home on it. MLS¹15364218

305 Meadow Ct. La Grande

Home has beautifully remodeled kitch­en, 5 B/R, 2 1/2 BA, separate office,storage room, alarm system, garagewith workbenches. Nice entry with largerock fireplace in living room with sepa­rate family room. Aff high-end applianc­es stay with home, including extrarefrigerator in laundry room. Large,fenced back yard, garden area, patioand RV parking.MLS¹12503128

$254,900

70196 Fletcher Lnu Cove $189,000

$459,00064491 Mt. Glen Rdn La Grande

Spectacular views. Soaring 12-ft vault­ed ceilings, large living room and kitch­en windows allow for tons of naturallight. Small horse/livestock propertyincludes 13.5 fenced acres, immaculate2,000 sf barn/shop with horse stalls,hay storage, RV storage, tack room,garden shed, fenced garden area andmuch more. MLS¹15037378

210 RUCKMAN AVE $144,900This home is spacious 3 bedroom 2 bath. Somewater damage occurred and will need fixing bybuyer. Owner will carry contract for a short term.A great opportunity to fix and live or flip. Hugelot with two car garage/shop and storage shed,fruit trees and room for the RV and toys.MLS¹15236715

62270 Fruitdale Lnu $184,900This 3 bedroom I bath farmhouse has so muchpotential. Almost 4 acres close to town withwater rights from Grande Ronde river. Home isin need of some repair but is salvageable.Owners very molivated so come with yourimagination and make it what you want.MLS¹15361083

The absolute private log and woodcomp homeon 5+ acres. Home is 4 bedroom, 2 bath withwrap around deck in pines. New 10 thousandcarpet just in. Room for the horses and ani­mals, garden, in the pines just 4 miles out oftown. Very large shop/garage. MLS¹15531135

62145 Starr Lnn La Grande$410,900

Build your dream home and enjoy the beautifulsunsets on this secluded, 10 acre lot withbrealhtaking mountain and valley views justoutside Cove. DEQ approved for standard sep­tic, access to shared well with 80+ GPM, utilitiesat Fletcher Lane. MLS¹15185658

804 B AVE $112,00070409 FLETCHER LN $273,500This 3 bedroom, 2 bath cottage in south side La

Grande has great street appeal & potential.Owners love the lay out, the remodeled kitchen& dining area, office, private master suite withpalio access, spacious bedrooms, large cov­ered patio and nice back yard. Separate shopbldg. behind house offers more potential &has alley access. Good family home, orpotential to make into a duplex.MLS¹15318084

66914 END RD $318,000The perfect home setting with timber,privacy, 4.77 m/I timbered acres, andonly a few minutes from La Grande.Exceptionally nice remodeled home hasa beautiful kitchen! Large living roomlooks out over the view, 3 bedrooms, 2baths, attached garage, & large shopbuilding. This won't last, call today!MLS¹15667783

Beautiful custom built Chalet home located on12 remote acres, close to Cove School District.Super energy efficient construction for warm,cozy comfort, this well-designed 3 B/R, 2-1/2bath home has amazing kitchen, abundant stor­age, underground sprinkler system & a wraparound deck overlooking pine trees, wildlife, &sunsets in this unique paradise setting.MLS¹15081865

Home is 3 bedroom 1.5 bath, small basement,steel roof, vinyl siding, 2 bay carport,large 2 car garage, large 3 bay RV park­ing, old barn and other sheds, alleyaccess, all on the outer edge of Baker.MLS¹ 14255635

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A home for the ages...only two of it's type innorth east Oregon...earth-rammed, meaningbuilt to last! Four bedrooms, 2.5 baths, withsolar - propane - wood...this is a survival homeon approx. 5 acres, absolutely gorgeousinside...REALLY you have to see it...ahh thetranquility of it. On approximately 5 acres withorchard, chicken house. Again, just absolutelyUNIQUE and built to endure anything. MLSII14275130

44179 LONE PINE RD $329,000

500 N16th Aveu Elgin $26,500Large LOT Only, house is unlivable, buyer toremove. Aff utilities, power, water & sewer andnatural gas are in and ready for new home ormanufactured house to be setup. Corner lotsize will be 85' x 90'. MLS15237956

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1605 Washington Aveu La Grande2702 Cove Aven La Grande

I $128,950$119,000

Beautiful Golden West 2002 double­wide, very well kept. Move in ready with3bdrms/2bths, fenced yard and nicecovered back porch looking onto theElkhorns. Perfect retirement home.Close to the Haines steakhouse. Affappliances stay. Come get it. MLS¹14463065

0 Earnest, Elgin $55,000Beautiful 2.22 acre parcel waiting for yourdream home, shop or barn with plenty of roomto spare. The site has power, gas nearby andthe site has been DEQ approved for a standardseptic system. Owner financing terms are avail­able. MLSI!14380017

3 bedroom, 2 bath,one level charmerhas a large,nicely landscaped cornerlot. Enjoy year round fun on the extend­ed covered back deck. Central air con­ditioning. You'll like the upgradedtouches and the extra space convertedfrom the garage. MLS¹15267442

Duplex in very convenient location near down­town La Grande and Eastern OregonUniversity. Great occupancy rate. Main floorunit is 2 bedroom, upstairs unit is I bedroom.Separate meters, water heaters, & heating.Many updated features, vinyl windows, vinylsiding, tile. Owner will carry a contract. Call fordetails. MLS¹15096571

368 N 14th Ave, Elgin $129,9002 story 3 bdm, 1.5 ba, with turn of the centurycharm, gas & electric heat, gas appliances, lotsof restoration work done, new vinyl windows,floor covering & home has a carport and gen­eral purpose garage/shop building with 651m/Isq. ft., off street parking on the south side andstorage unit at the back, aff chain link fenced.MLS¹15312801

0 High Valley Rdn Cove $199,000tThis 19ac+ piece is just what you have beenlooking for. It is dividable, or make it your ownsmall farm. Water and power are at the road.Very close to Cove and priced to make moneyor build your own castle. MLS¹14589886

NORTHEAST OREGON REAL ESTATE2O — Friday, July 31, 2015

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NELSON,ROURIHOUSINGOPPORTUNITYReel ~ "'""'" MLS

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50729 Hwy 203, Med Springs$164,900 Great apen flaar plan far this 4 bed­ 1085 11th St, Baker City $244,5002720 6th St, Baker City $114,900raam hame an almast 4 acres af land. Prapertyfeatures 2 buildable tax lats. Amazing views, 3autbuildings. Only 20 minutes fram Baker City. 4bedraams, 1.5 baths. Hard waad flaars in an apenflaar plan. MLS¹1 51 70656

Immaculate bungalaw hame in Narth Baker. Newhickary kitchen, new flaaring thraughaut and 3bedraams. Detached aver sized single garage withshap space. Fenced yard and ready ta mave in.MLS¹15508444

Custam hame in excellent lacatian. Cedar insideand aut. Granite caunters, newer raaf and staragegalare. Fabulaus views. Updated heat pump andprivate decks. Clase ta galf caurse. Adjacent latmay be purchased far $35,000 MLS¹15647469

1355 15th St, Baker City $139,900 Nicehame with fresh paint and flaar caverings thraugh­aut! Fenced backyard with great patia. Familyraam. Garage has been turned inta anather bed­raam. Secluded lacatian with very little traffic.MLS¹15609064

745 L Loop, Baker City $173,500 Beautffuicustam hame an an aversized lat. Hardwaadflaars, tiled backsplash all in immaculate canditian.Check this aut!!! Vaulted ceilings, fence- privateyard and sa much mare. MLS¹15120359

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975 Petry Ln, Baker City $285,000 1828 East St, Baker City $114,900

3249 River Park Dr, Baker City$99,900 Lacated an an 'island' in a cul de sac.

Beautiful custam hame with lats af recentupgrades. New kitchen, hardwaad, granite, hugedeck, pergala and wired far music. new landscap­ing and sprinkler system. MLS¹14013064

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245 5th St, Baker City $49,000 overAdarable hame with cute fenced backyard andbrick patia. 3 bedraams and 2 baths an the mainflaar, family raam and large shap area in the base­ment. MLS¹1 5552195

Fenced back yard. Undergraund sprinkler system.Pantry aff the kitchen, vinyl windaws, back patia, &a walk/wheel in shawer. The inside af the hauseand the autside trim will be painted by sellers priarta clasing. MLS¹15408893

cute 2 bedraam, 1 bath hame with 2nd hause nextdaar campletely gutted and ready far renavatian.Detached dauble car garage/shap and gardenarea in back yard. MLS¹15240255

1609 6th St, Baker City $97,600 very

sized lat with alder hame. MLS¹15244890

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15266 Pine Creek Ln, Baker City$549,500 Custam built hame an 5.08 acres m/I. 1317 Walnut St, Baker City $89,9003 bedraams and 3 baths, spaciaus kitchen with aprapane fireplace, large walk-in pantry, privatebanus raam abave master suite, beautiful hard­waad flaars, tile, and carpet thraughaut. Sprinklersystem. MLS¹15202608

1998 FUQUA Dauble Wide an an aver sized 72.5X120 m/I lat. Large dauble garage. 3bed, 2 bath.MLS¹15661242

2355 21st St, Baker City $125,00040061 Sumpter Hwy, Sumpter$174,900 3 bedraam, 2 bath hame nestled in

Darling bungalaw in excellent neighbarhaad.Excellent impravements - new hickary kitchen,bathraam, salid surface flaarings. Farced air gasfurnace with Central Air. Unfinished attic - banusspace. MLS¹1 2308974

Beautiful newer hardwaad flaars in this 4 bedraam,2.5 bath hame an Cedar Acres. Split level flaarplan with separate family and living raams. Largefenced lat with irrigatian well. Cavered patia andRV parking. Next ta neighbarhaad park.MLS¹14316816

1000 Idlewood, Baker City $179,500

the trees an 5.91 AC M/L. Built in 1985. KnattyPine ceiling and tile faars. 2x8 rafters in ceiling.MLS¹15313931

43621 Pocahontas Rd, Baker City$365,000 3 bedraam, 2 baths, whale hause 745 H St, Baker City $289,500 custcm

2595 Main St, Baker City $229,500vacuum system, central air, attached dauble cargarage, and a cavered parch. Fenced and crassfenced. Large twa car garage/shap with privateraam with lacking daar, that was used as a relaad­ing raam, plus a drive thraugh large barn.MLS¹15664616

Beautiful Victarian Classic, rich with histary neardawntawn. Large spaciaus raams, updated mastersuite and sa much mare. Vintage gas fireplace,pergala in back, aver sized carner lat. Cazy naakaff kitchen, basement is finished. MLS¹14699444

hame an .75 acre m/I. Hause sits an 1 lat with 2additianal lats included that cauld be sald aff sepa­rately. Raam far animals but right in tawn. 3 cargarage(850 sq. Ft. m/I), 16 X 32 m/I shap, 10 X 24m/I hay starage building, well far pasture.MLS¹15643269

Beautiful private setting with huge yard, gardenarea, deck with views af the mauntains. Detachedgarage with RV parking. 25 X 58 Guerdan DaubleWide Mabile Hame with canverted garage/familyraam.. MLS¹14524568

1095 112 D St, Baker City $179,900

1714 Valley Ave, Baker City $38,500Cute hause near the pawder river. 3 bed, 1 bath.MLS¹15289820

43598 Brown Rd, Baker City$369,900 Beautiful setting with fabulaus views 1130 Resort, Baker City $209,900 Immaculate triple wide in excellent canditian. 2594

sq. ft. m/I af living with 3 bedraam, 2 baths, largeliving areas. Master retreat is aversized with afficespace/nursery. Abundant starage, garden area,desk, verysunny happy hause. MLS¹14134814

af mauntains. 15.79 acres m/I, water rights, greatimpravements including 3 bay shap, barn, wark­shap and a very neat and clean hame.MLS¹13458017

Beautiful hame an dauble lat. Newly built shap!Recently updated inside. Lats af autside living andeck and patia. Full finished basement. Sprinklersystem. Irrigatian well inbasement. MLS¹14373488

2248 Oak St, Baker City $157,0002750 Madison, Baker City $155,000

This is a twa stary brick building with 2526 sq ft. anthe main level, and 2526 sq ft. unfinished an thesecand level, and 2526 sq ft. in an unfinishedbasement. An access easement ta the secandlevel is thraugh stairwell af the adjaining building.MLS¹15313600

2020 Main St, Baker City $95,000

Attentian investars, check aut this 4 plex. Carnerlat, aff street parking and gaad numbers.MLS¹15674643

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 2g

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825 5th, Haines $219,900 3 bedraam 2bath hame is an a quadruple lat. Hame has hard­waad flaars thraughaut living raam, kitchen andhallways. 2 autbuildings; 1 is a single car garagecanverted ta shap, secand is a waad shed withrall-up daar far any aff-raad vehicle. Lat has gar­den and several apple trees. MLS¹15390258

750 Fairway, Baker City $319,000Newer custam hame. Next ta galf caurse. Manyamenities. Outstanding views an this ane levelhame. 12 faat ceilings. Oak hardwaad flaars.Plenty af starage. MLS¹1 521 0848

nice sub-divisian. Black walnut cabinets, hard sur­face flaars, beautiful tile wark in bathraams andgranite in kitchen. Oversized garage/shap. Gardenarea and fruit trees. MLS¹14318121

15849 High Country Ln, Baker City$387,000 Custam hame an 5 acres m/I in very

43911 Spring Creek Ln, Baker City$344,900 Beautiful setting! 3 bedraam, 2 bathhame with yard, garden and shap. Crass the creekand yau have a cauple camping spats in the treesfar yaur guests. Endless paal inside far yaur enjay­ment. MLS¹14484311

18089 Cottonwood Ln, Baker City$369,500 Beautiful custam hame an secludedlat. 4 bedraams, 2.5 bathraams, dauble garageand trees! Outbuilding, fenced. Even has a zip-linefar the kids! MLS¹15469866

13748 Red Fox Ln, Baker City$369,900 Huge apen living raam and dining 2416 1st St, Baker City $186,000

2750 G St, Baker City $172,500 Lcw

raam. Master suite an main flaar with 2 huge bed­raams upstairs with a bathraam. Cavered parch anthe frant af the hause and deck an the back af thehause.MLS¹15349318

Clase ta dawntawn. Includes attached garage andRV parking. This 4 bedraam 2.5 bath has lats afspace with hardwaad flaars thraughaut.MLS¹15356651

maintenance brick exteriar gives this ranch stylehame a gaad laak. 3 bedraams, 2 bathraams plusa banus raam and family raam ar cauld be easilycanverted back ta a dauble garage. Huge lat, deck,quiet setting. MLS¹15351250

2120 East St, Baker City $63,500Cute bungalaw an carner lat. Lats af patential!

1640 Clark St, Baker City $119,900Big hame an aver sized lat with large autbuildingsin the backyard. Fenced yard. Whale hauseinspectian available ta purchasers. Great patential!MLS¹ 15651498MLS¹15593106

Farstad in 1998. 10 acres m/I with autstandingviews! Master suite is a laff upstairs with viewsthraugh the wall af windaws. Hardwaad flaarsthraughaut. MLS¹15151189

14881 Mill Creek Ln, Baker City$359,900 Beautiful custam hame built by Steve 975 E St, Baker City $269,500 check

2525 Madison Ave, Baker City$99,500 Classic ranch style flaar plan in NarthBaker. Carner lat, carpart, with a fenced yard. 3bedraam plus basement with 2 banus raams.Pellet stave ta supplement heat. Great Hause farGreat Price!! MLS¹1 5694241

2715 11th St, Baker City $69,000This darling, clean twa stary Bungalaw in a quietneighbarhaad has lats ta affer. Banus raamupstairs with lats af starage space. Lazer 73 Tayaail stave purchased last year- ail tank abavegraund. Great wark shap and twa starage sheds inback MLS¹15137628

Stylish bungalaw with many great amenities.Updated kitchen, family raam, large deck andclase ta dawn tawn. Adarable hame with attacheddauble car garage and aversized deck far enter­taining. 3 bedraams, 2 bathraams, living raam,dining raam and family raam. MLS¹15026446

1514 2nd St, Baker City $115,000

aut all this hame has ta cffer! Awesame flaar planwith vaulted ceilings, split bedraam flaar plan,large master suite, aver sized yard, deck and agarage with 4 bays. MLS¹15055778

3525 8th Dr, Baker City $239,900 bedraam 3 bath hame,an a carner lat. Fullyrestared. Lg utility rm, walk in pantry & sun raam.Yard has mature trees w/sprinkler/drip system &perennial beds. Garage/shap is 32'x56' M/L w/4averhead daars & includes a 16'x32'M/L heatedwarkshap. MLS¹15028321

1448 4th St, Baker City $285,000 5

Beautiful hame an carner lat. Newer kitchen, hard­waad flaars and carpet. Fully fenced backyard,dauble car garage attached, cavered deck andstarage shed in backyard. 3 bed, 2 bath.MLS¹15352043

2955 3rd St, Baker City $159,900Awesame lacatian! Large hame an very large lat.Fully fenced with cavered patikx Hardwaad flaarsthraughaut. Newer kitchen. Family raam in base­ment. MLS¹15472325

46842 Foothill Rd, Baker City$342,500 Hardwaad thraughaut, vaulted ceil­

ing fireplace and farmal dining area. Hard waadflaars thraughaut, Central Air, ceiling fan & F/A gasheat. Finished basement with twa banus raamsand a full bath. Fruit raam. Dauble carpart withstarage shed. MLS¹15499022

2810 Campbell St, Baker City$112,000 Large living raam with a waad burn­

ings; all an a hard ta find 1.2 m/I acre parcel. Largegarden area, green hause, creek w/ bridge andlarge deck with views af the valley. MLS¹15515768

39097 Rhody Rd, Sumpter $239,900 3490 Indiana Ave, Baker City$262,000 3 bedraams, 2 bathraams and laun­

2719 2nd St, Baker City $149,000custam cabin in the 3 bar ranch subdivisian.Custam shap with RV parking bay at the frant.Hame has custam waad flaaring and amazingcraftsmanship thraughaut the hame and wraparaund parch. MLS¹15558910

dry raam upstairs. Living raam, dining raam andkitchen an main flaar. 4th bedraam ar family raamin the basement with majar starage areas..MLS¹15391501

33735 Snake River Rd, Baker City 307 Federal Way, Unity $79,900 Nice$, Ã Wel l & sePtic in. Electrical ta Praper­wheeling. Lacated in quiet neighbarhaad. Gccd fcr

Unique investar appartunity in excellent NarthBaker lacatian. Very well cared far, many recentupgrades ta the units. New windaws, alley parking,basement starage. Excellent return. Owner termspassible ta qualified buyers. MLS¹15373626

remadeled hame. Clase ta hunting, fishing and 4

ty. AII permits & disclasures anfile. MLS¹15073752 retirement ar vacatian hame. MLS¹15542859

NORTHEAST OREGON REAL ESTATE22 — Friday, July 31, 2015

Which pe of dwelling will make you feel at home?Real Estate News

By Realtor com Team

When you're searching for yourperfect home, you have different typesof houses to choose from. Each has itsupsides and downsides. Depending onyour needs, you might prefer one of thefollowing:

• A single-family home• A multifamily house• A condo• A duplexThere are various things to consider

when making this decision. The first stepis to understand each style and what itoffers you.Single-family

A single-family home is also calleda detached home because it stands onits own, as opposed to a condo, which isone of many units together in one build­ing.

There are many kinds of single-fami­ly homes. This most likely is the home youare looking to buy. They come in all sizes

and styles. It can be a cottageor a castle; it can be a farm­house or a Victorian home.There are dozens of types.

MultifamilyA multifamily home is

set up to provide housing formore than one family. Multi­family homes have separatekitchens, living areas, bath­rooms, and entrances underthe same roof.

If you own a multifam­ily home, the rent you collecttrom tenants can cover yourmortgage payment. Lenders will considerthis as income if there is an existingtenant with a lease or if you have a leaseagreement in place with a new renter.

You can qualify for a residentialmortgage loan for a multifamily home ifit has four units or fewer. A multifamilyhome with five units or more will requirea commercial loan, which is harder to getand generally more expensive.

CondoCondo, short for "condominium," is

similar to an apartment living. You ownyour own living space, but share com­m unal areas gike the corridors, elevators,recreation areas, etc.l.

Unlike a single or multifamily home,you do not need to worry about handlingyour own building maintenance with acondo. You pay a fee to the homeown­ers association, which is responsible for

The HOA can make

maintaining the communalareas. The board membersare elected by the ownersand have a lot of powers,including enforcing rules andsetting fees.

condo life m ore enjoyable ora nightmare. Some get verypicky and will fine you forminor infractions. They canbe hard to fight. Check thehistory of the HOA beforebuying a condo.

DuplexA duplex, or semidetached, home

has two separate residences that share awall. They are often side by side, lookinglike two houses that have been pushedtogether. Each has its own entrance.

Some duplexes are structured so thatone residence is on top of the other. Againeach has its own entrance and is com­pletely independent of the other.

Patty Glaze, BrokerZooIMII

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30 Year Anniversary asa Real Estate Broker

¹1 SELLING BROKERIN EASTERN OREGON

Your Neighborhood Patty Glaze

Oregon/SW WashingtonChapter CCIM

I • ExpertBroker, Member of

0 Lot1 Block D, La Grande $66,900Desirable Southside neighborhood, generousbuilding lot. Build to suit your needs. Valley viev,community park nearby, great location.MLSlt15654515

2412 Starlight Dru La Grande $189,900Custom 2006 Ranch Style in La Grande. Largelevel fenced back yard with deck, great gardenspace and trees. 3BR, 2 ba, living room wilh gasfireplace and eat in kitchen opens to deck forentertaining. Double car garage. MLSlt14366474

670 N 15th, Elgin $104,900 395 Baltimore Stu Elgin $135,000Beautifully remodeled home, old stylecharm with new conveniences and comfort.Nice kitchen island, pleasant office space.Master has a large walk in closet and bath,lots of storage. MLS¹15468371

95 SW 17th, Elgin $31,900Well kept duplex on corner lot, oldersingle wide in back. Both sides of theduplex just remodeled, new floors,paint, very clean. New chain linkfence, storage sheds. MLS¹14329669

2 Bdm, 1 ba home. Hardwood floors inseveral rooms. House on a foundation,and chain link fenced yard. Newerwindows throughout. House is sellingas is. MLS¹15014303

910 G Aveu La Grande $259,900Hardwood ffrs, fireplace & newer kitchen. Zoned 409 Sunset Dru La Grande $259,000professional residential. Over stzed 14,000 s/f Quattty wood kitchen with eating area open tocornerlotoffersroom for garage, garden, playyard more hght filled windows. 3BR one ensuite wilhor extend your living space. 3+ bdrm, 2 ba. outside entrance. Super clean w/deck off theMLSlt15623492 master bedroom. MLS¹1 4069699

76299 Bowman Lp, Elgin $2,950,000Patty Glaze {541) 786-0038 666 acre retreat, abundant water, recreationalcabins, bunkhouses, timber, spnngs, huge fish,lakes, ponds, elk, deer, turkey, geese, bernes,gardens, airstnp. MLSlt12223691

Real Estate Team510 Baltimore Stu Elgin $129,500

Be the first to live in this newly finishedcedar home. Custom woodwork, every­thing new, flooring, lighting, kitchen, bath­rooms. Open master suite next to sitting/reading room. MLS¹15377958

ti90 N17th Aveu Egin $119,900

Two story home surrounded by woodenfence. 30X24 shop. Lots of room with 3bdms &option for a fourth, has a pantry &fruit cellar. Vaulted wood ceiling. Upstairsloft is a great space for office, family room,or whatever ou desire. MLS¹15525743

72469 Good Rdu Elgin $399,000Nicely remodeled farmhouse. New roof,wiring, improvements. 3 Ig ponds, over 70acres, Lg metal hay/horse barn with stalls,metal equipment shop and several otheroutbuildings. MLS¹14621274

Each 05ce Independently Owned 8c Operated

2106 Island Ave, La GrandeOffice: (541) 963-1000

69947 Hidden Valley Lnu Cove $199,900Hideaway on 19 view acres. 2 bdrm wilh 1 fufflarge bathroom on 1 level. Large utility room anddeck to the west for a full view over Ihe GrandeRondeVaffey. MLSlt14167759

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 23

JULy/AUG 2o>5r I r

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Visit wwwj ohnj howard.colnYour "Eastern Oregon

Real Estate Connection"765 View Court, Baker City $600,000

* Custom Property Search* Rental Opportunities

Very nice well kept home on a corner lot in a quietneighborhood. Newer vinyl windows. All the appli­ances are included. Move in ready. Irrigation wellwith a new pump. MLS¹15501480

1150 Court, Baker City $99,900

A magnificent home with views on 1.5 acres.3BR/3BA, large living and dining room, newlyremodeled kitchen and baths, Pella Windows,central atrium with venetian leaded glass, newmaple wood floors, dumbwaiter, wet bar in library6 more. Private patios for each bedroom, deck,outdoor pool 6 pool house, hot tub, heated gazebo6 beautiful uest house. MLS¹15508848

210 Kellogg, Halfway $150,0003BR/2BA. Wood Tloors, vintage and French doors,3 covered porches and swinging screen doors.Beautiful landscaping, outdoor dining/living area.MLS¹15676060

*Real Estate News for Buyers k Sellers* and More

h

1820 Z, La Grande $218,000

in town. Large 680 sq ft detached garage, RV park­ing, hot tub, dog kennel all with open concept mainfloor and wood vaulted ceilings, are some of thefeatures of this home. MLS¹15608340

This 4 bedroom 2 bath 1966 home sits on .31 acreLots of improvements have been made to thisnearly 2200sf, 4-bedroom, 2.5-bath home on cor­ner lot in Sunnyhill. New roof, new windows, newhardwood in bedrooms, new furnace, new AC, newmaster bath, new woodstove and gas insert.MLS¹1 5076519

1903 Jupiter, La Grande $230,0002503 M Ave, La Grande $219,500

Beautifully landscaped, well cared for 3-bedroom2.5-bath home in Eagle Cap Estates. Comfortablesplit level. Open kitchen-living area. Gas fireplacein family room. Insulated garage. Undergrounds rinklers. MLS¹15262886

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NORTHEAST OREGON REAL ESTATE24 — Friday, July 31, 2015

(541) 963-5450FAX (541) 963-6551

1526 Jefferson Avenue,La Grande, Oregonwww.ranchnhome.com

email: rnh@ranchnhome.com~g-„„gt4

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BEAUTIFUL LOT ON WALLOWA LAKE WITH COMFORTABLE CABIN. Place for a dock. Parking pad hasbeen installed on the property for 2 cars. $325,000

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>ORTHEP,ST OIREGON24,000 copies distributed in The Observer,The Observer Plus, The Baker City Herald

and The Buyers Bonus, and 5,000 rackdistributed copies at high traffic locations

e i

o f each Mon t h .

throughout the area.

Publishes the last Friday

June 26 • July 81 • August 28September 25 • October 80

tke Ckristmas koliday)NoUember 27 • December 81 (due to

THE OBFERVER5aker Kitg 3~eraQ541-963-3161541-523-3673

NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 25

('641) 963-6460

@ StiS. ~ email : rnh@ranchnhome.comwww.ranchnhome.com

FAX (541) 963-65511526 Jefferson Avenue,

La Grande, Oregon, We specialize in trades and exchanges.We also provide property management.

rnhOranchnhome com

GRI, Pnncipal BrokerPhil Burling

541-963-9268(eve)rnhOranchnhome com

John CollinsPnnc>pal Broker541-962-5771 cell

BrokerCarolyn Rovier

541-786-0822 cellCarolynOranchnhocom

COMMERCIAL LAND ZONED INDUSTRIAL.5 + acres with 60 ton truck scale and severalbuildings. Sell will consider exchange of land orother personal property. $550,000.

HOME WITH A VIEW OF THE VALLEY ANDOF MT. FANNY, on 3.43 acres m/I, great for ahorse or two, good pasture, new fencing/crossfenced, BUILD ON PROPERTY WHILE LIVINGIN THE SMALL HOME! Has a 12x36 Barn w/feed room, a 12x16 Storage shed/tack room,new 12x24 hay storage 'lean-to,' home has vinylwindows installed. $126,000

CLOSE TO PAVED ROAD. "SETTING IN THEPINES". Piped water to various fenced off ar­eas. Owner will consider LSC with qualified buy- NEAT AND CLEAN, well maintained. Showser. Home needs some floor coverings. $169,800 very well. $51,700

VIEW LOT. Creek, Sandfilter system is in.Small acreage subdivision. $55,000

a

BUILDABLE TIMBERED PARCEL, Quiet set­ting. Minutes to town.Very close to Paved mainroad. great setting. Deer, Elk and Turkeys fre­quent area. $214,000

CHARMING 3 BEDROOM NORTHSIDE BUN­GALOW on a double corner lot. Large backyard. House freshly painted inside, with smallcellar, pantry, and laundry room. One blockfrom G. R. River & 2 Blocks from Benton Park.$99,000.

MEASURE 37 PARCELS. Nice area on theedge of lmbler. New street, DEQ approved forpressurized sandfilter systems. Well depthsbetween 60'-150'. Price includes DEQ approv­al, completed foundation, blueprints, well andfencing. Seller has installed continuous fencingaround the property. $105,000

VALLEY VIEW IN THE MT GLEN AREA. 3bedroom, 2 bath. Vaulted ceilings with exposedbeams, wonderful view of the valley and MtEmily. Over 100 sq ft of decks, beautiful rockfireplace. $495,000

QUIET SETTING. 3 BR 1 bath. Natural woodsiding. $1 33,000.

CUTE LITTLE HOME that has been remod­eled. New kitchen and baths. Fenced yard,deck, oversized lot with circular concrete drive­way. 3 BR, 2 1/2 baths. $1 29,500

30 ACRE PARCELWITH POTENTIAL FOR 3BUILDING SITES. R-3 zone, seasonal creek. 3BR, 2 Bath splitlevel home on a beautiful land­scaped yard. Loft barn, shop, double cargarage and machine shed. $595,000

10 ACRES M/L PRESSURE IRRIGATED.Pasture, great garden, fruit trees, 1554 sfhome, large living room, family room andkitchen. Large utility and mud room. Severalolder farm buildings for storage, pond andcreek. $285,000

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SMALL ACREAGE IN COVE AREA. 2able lots being sold as one. Road hasbuilt already. Build on one and keep theone for future investment. $127,500

build­beenother3 BEDROOM, 2 BATH WITH COVERED

BACK DECK. Includes a garage. $154,900

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CONTRACT PURCHASE. Stately home locat­ed just 2 miles from La Grande. 5 BR, 2 bath.Wonderful yard and garden space. Lots of fruittrees, new septic tank, oversize detachedgarage. Price reduced to $197,500

ONE LEVEL HOME ON NICE SECLUDEDLOCATION on Rose Street. 1738 sf home, 3BR - 2 bath, detached 2 car garage and shopwith a garden shed. A.84 acre parcel with lotsof parking. Dead end street with little traffic.$220,000

GREAT BUSINESS OPPORTUNITY!!Formerly a towing company so already set upwith security fence, private road, 2-bay garagewith lift and built-in air compressor, office,attached living quarters with two beds onebath, secure office, storage barn, shop andmetal cabanas. Ideal location to start your ownbusiness! INCLUDESTHREE LOTS. $240,000.

NICE DOUBLEWIDE HOME,3BR2BA, updat­ed bathrooms with walk-in tub/shower, waterfiltration system and hot water on demand inkitchen, garage, covered/enclosed porch and acovered wood storage area. UG sprinkler sys­tem, fruit and shade trees, fenced, has elec­tric gate. $133,000

2.25 ACRES OF HEAVY INDUSTRIAL LANDoff McAllister Rd. Sewer available in the street,water to be providedby Seller from Seller's well.$75,000

A GREAT INVESTMENT FOR DEVELOPERSplanning to build a subdivision in the urbandevelopment area of La Grande. Propertyoffers 8.16 acres with power and water avail­able. City Planning Department has a proposedMaster Plan for development that has beenapproved. $250,000

STEP BACK IN TIME with this farmhouse thatoffers spacious living with two stories, diningroom, living room, one bath and 4 bedrooms.2.47 acres with a garage, barn, creek, smallpond, fenced pastures, irrigation well, trees androom to roam! "fixer-upper" being sold "as is."$195,000

9+ ACRES WITH A VIEW. Sewer, water &power available. $1 39,000.

30 ACRES OF COMMERCIAL PROPERTY,ZONED AND READYTO DEVELOP. Acrossfrom Wal-Mart Superstore. Largest tract ofcontiguous commercial property in UnionCounty. Call John Collins, Broker, for details,

WALLOWA LAKE HOME-Westside of thelake. 3200 sf home with fantastic views of thelake and mountains. 4 bedrooms, 3 baths, largekitchen and living room. Great for entertaining.Private decks and dock. $899 000541-962-5571

NORTHEAST OREGON REAL ESTATE26 — Friday, July 31, 2015

ffffljtf,, R5NIKReal Estate Tea Pinehurst Model 42506 starting at $103,200Lot madel $130,000 includes delivery 8c set up

2106 Island Ave, La Grande, Oregon 97S50(541) 963-1000 Toll Free: (866) 963-8800Open Monday thrn Friday 8:00 to 5:30 Weekends by appointmentCj ] ~v ­

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Each office is independently owned and operated

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KEENEY ESTATES OUTSIDE OF LONGCREEK. 14 residential lots, individuallypriced, various acreage sizes. All infra­structure included plus roads. Adjacent1093 acre ranch for sale also. $28,000.MLS¹15610931LOOKING FOR A PLACE TO BUILDYOUR DREAM BUSINESS/RELOCATEIN BUSTLING PENDLETON, OR? Don'tmiss this reasonably priced land with roomto expand on 2.3 m/I of Bare Commercialacreage.$24,450. MLS¹15650243BUILD IN A LOCATION AWAY FROM ITALL. $49,000. MLS¹1 4307315LA GRANDE, OREGON BARE LANDBUILDING SITE. Please call for moreinformation. $30,000 MLS¹1 461 3306BUILD YOUR DREAM HOME on this cor­ner lot located close to conveniences in anewer neighborhood. All utilities are avail­able.$35,000. MLS¹15195307"THE RIDGE" RESIDENTIALSUBDIVISION. Paved streets, utilities, curbsand gutters. Several beautiful homes areownerbuilt and completed. I2+ lots available.$55,000-$87,500 MLS¹14229621RESIDENTIAL LOT SUBJECTTO PARTI­TION, La Grande, Oregon. 21,280 s/f.$55,000 MLS¹14615812LOCATION, SPACE, AND VIEWS!Including two parcels that combined areover a half acre, this is a bargain. Buildyour dream home on the South side oftown and wake up to a view of Mt. Emily.$69,900. MLS¹1 558201 4CALLTODAY AND GET MAP, buy sepa­rate or with property listing 15636822 tocreate your own subdivision. Total acreageat that time is 3.64 M/L. Call for details

soon! $70,000. MLS¹1 5662446WHAT A REMARKABLE, ONE OF AKIND PROPERTY! This small acreagehas all the possibilities of a dream homeoverlooking the valley below. Located onthe west hill above La Grande, this smallacreage has DEQ approval*, a crazy goodview and the beginnings of a story booklife. $1 20,000. MLS¹1 5497045RARE FIND! This lot on Deal Canyonoffers magnificent views on the west hillsof La Grande. Featuring space to build with1.56 acres m/I. Don't miss these pan­oramic views. City services available.$1 39,000 MLS¹156387792 BUILDABLE HOME SITES IN COVE, orfor the price of one.1 is 8 acres and one is10 acres, m/I. Views and quiet. $159,900MLS¹14162384RARE-FIND IN COUNTRYSIDE PARA­DISE! Build your dream home, two for theprice of one lots. Home sites in quaintCove, OR. Gently sloped property withvalley and mountain views. Fenced andhas well. $1 97,200 MLS¹15323725COME MAKE THIS YOUR NEW PROJ­ECT. City requirements and maps avail­able. Platted for a new subdivision. Buywith listing number15662446 then you willhave 19lots!$199,000. MLS¹15636822WHY NOT? Why not be close to town,have an amazing view and have the newhome of your dreams, all on 78 acres ofsome of the best ground in the area? Whynot? $265,000 MLS¹14470952IF PRIVACY AND BEAUTY ARE WHATYOU ARE LOOKING FOR, this is theplace. Teeming with wildlife, this timbered

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parcel has Clark Creek as its north bound­ary.$300,000 MLS¹14598070AMAZING, BUILDABLE LAND ALONGCATHERINE CREEK! If you're looking forresidential recreation land in Union County,this is it. 120 acres minutes from town withCatherine Creek flowing right through it.Land has residence and utility shed cur­rently on it. $325,000 MLS¹15193987GILDCREST DRIVE SUBDIVISIONLAND. City of La Grande, 6 acres that maybe dividable to 20-30 City lots. Fantasticview property for development. Extremelypopular private location. Opportunity toinvest and build your dream home. Cityservices.$375,000 MLS¹154018773.98 ACRES COMMERCIAL SHOVELREADY LAND. $12.00 p/s/f. Visible fromHwy 84 at second exit into La Grande,Oregon at 2106 26th Street off Hwy 82.Award winner circle of land within SuperWalmart b l ock. $2, 125,289.MLS¹155911325.74 COMMERCIAL ACRES @ LAGRANDE. Exit Hwy84 © Hwy82,2nd exitinto La Grande. High traffic signalizedintersection. As one piece asking $12.00p/s/f. For sale, build to suit or partition.Price p/s/f will change if partitioned. Next toStarbucks on the way to Super Walmart.$2,967,024. MLS¹124091854 ACRES WITH MAJESTIC VIEWS OFMT. JOSEPH, bordering the Wallowa Riverin Joseph, OR. Just out of Joseph, Oregoncity limits and within minutes of the Josephairport and rodeo grounds. Hiking, fishing,trail rides, skiing and boating close by.$400,000. MLS¹1 3377805

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NORTHEAST OREGON REAL ESTATE Friday, July 31, 2015 ­ 27

Real Estate News • Record the layout of theproperty.OIf-site, the appraisermay also evaluate the cur­rent real estate market inthe neighborhood to helpdetermine the value of theproperty.

How do you know if anappraiser is qualified?

Typically, your lenderwill choose an appraiser. Theappraiser should be state­licensed or have other certi­fication. If the appraiser isa member of a professionalorganization such as the Appraisal Foun­dation, he or she most likely will adhere tocertain ethics codes and rules of conduct.However, not all states require certifica­tion, so do some research before you start.

Who hires the appraiser?Usually, the lender or financing orga­

nization will hire theappraiser. Becauseit's in the best inter­est for the lender toget a good appraisal,the lender will havea list of reputableappraisers whomthey have hired inthe past.

Who pays?The loan agree­

ment normallycontains a set valuefor the appraisal ofproperty.Whoever

takes out the loan pays for the appraisal,unless the contract specifies otherwise.Then the buyer pays the fee in the clos­ing costs. If a seller is motivated, he maypay for the appraisal himself to back hisasking price, which benefits the buyer byreducing closing costs.

The lender may not adjust the feeafter hiring the appraiser. Expect anaverage range of $300 to $600 dependingon the size, property value, and location.Different appraisal report types take vari­ous amounts of effort, which may affectthe price.

How long does it take?One or two hours is the average time

spent for most appraisals of property. Youshould most likely receive the report inthree to seven business days on average.The amount of time it takes can de­pend on the type of report, size of property,and other factors.What are the benefits?

Think of the appraisal as an invest­ment of your time, money, and effort. Itis important to know what your house isworth, and it will help you get your loanapproval. Hopefully, this step and therest of the house-buying process will gosmoothly.

ByAngela Colley

When you're considering buying ahouse, there are two sides to the story: theseller's asking price and the actual valueof the property. This is where an appraisersteps in.

What is the job of an appraiser?An appraiser's job is to determine the

current value of a property. Most of thework is done on-site where the appraiserwill:• Conduct a room -by-room walk-through

to determine interior condition.

• Walk the length of the property todetermine exterior condition.Evaluate any amenities such as aswimming pool, finished basement, orbuilt-in bar.

• Note any health or safety code viola­tions.

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deer and elk meat poles with a meat cutting room and walk-in cooler andreloading area. 9.6 acres adjoining the Wenaha Elk winter feeing area. $265,000.

Contact Everett Decker, Real Estate Agent atJohn L. Scott Realty, Redmond

54 I -480-8 I 85

NORTHEAST OREGON REAL ESTATE28 — Friday, July 31, 2015

Getting married? Skip the fancy plates and ask for a down payment insteadReal Estate News

By Heather Donahoe

They already have the high­powered blender, the 800-thread-countsheets, and the stemless wineglasses.And while they could always registerfor even more kitchen gadgetry andoverstuffed throw pillows, some moderncouples have their eyes on a differentkind of wedding gift. W hat many ofthem want more than anything else isa house — or, more specifically iand rea­sonablyl, the down payment that willunlock the front door.

A growing number of altar-boundlovebirds are rethinking the tradi­tional retail-based wedding registryior registries, in many cases). Some arenudging their wedding guests towardonline crowdfunding-style registries,designed to accept contributions to acouple's down payment goals. Othersare quietly suggesting "money for thehouse" when asked about their pre­ferred present. Either way, plenty ofcouples are reconsidering altogether thisgift-receiving opportunity in light of whatthey truly need.

A range of factors is at play here, themost obvious of which is the higher aver­age marrying age — 27 and 29 for womenand men, respectively — than in pastgenerations. It's hardly a secret that many20- and 30-somethings are temporarilysidestepping marriage while they estab­lish careers, travel the world, hit up trivianight guilt-fiee, and, well, search for theright someone to marry.

Then again, even some youngercouples seem to think that receiving amountain of swanky home accessoriesbefore owning a home is putting thecart before the horse. After all, you can'tfeather a nest if you don't have a nest tobegin with.

Twenty-five-year-old Daniel Bar­ros and his fiancee, Traci Whiting, 24, ofPlano, TX, are getting married in October.When they started thinking about settingup a gift registry, they were struck by thereality of their living situation.

''We live in an 800-square-foot apart­ment," Barros said."Even if we wanted abunch of wedding presents, we wouldn'thave anywhere to put them. Getting thatdown payment together is our top priority,and we're grateful for any amount our

U.S. wedding registry hovers between$8,000 and $8,500 — an amount that, ifapplied to a down payment igenerally atleast 20% of a home's price), could cer­tainly give a significant boost to a couple'ssavings efforts.

But not everyone is so enthusiastic.Teresa Krebs, who started Down PaymentDreams in 2009 and has since hostedsome 800 registries, said that a handful ofusers have reported a lukewarm responsefrom family members, some of whom feltthat asking for money was tacky. But, asKrebs points out,"a registry is just a sug­gestion, and a down payment registry isno different. It's a couple's way of saying,'We'd like your presence at the wedding,and if you choose to bring a gift, this iswhat would be most helpful to us."'

Just how helpful? When Sally andYann Sauvignon married in 2010, theyset up a registry at Hatch My House,along with two traditional retail regis­tries. About a year after their 200-guestwedding, the couple was able to use theirdown payment gifts to cover the closingcosts on their new home in the San Fran­cisco Bay Area.

''We weren't quite sure how it wouldbe received, but I think about a third ofour gifts were given through the HatchMy House site," Sally Sauvignon said."It was a really neat way to connect our

.'I • altogether.

fiiends and families toa goal that was reallyimportant to us."

To be sure, the con­cept of a down payment asa wedding gift is still a bitof an outlier. The major­ity of engaged couples arestill filling their conven­

PP tional registries withflatware and "good" china.But MacEwen — whosays Hatch My House hashosted roughly 2,600 reg­istries since its foundingin 2009 — is confident thatthe next decade will see amore pronounced shift inthe wedding gift tradition

''What will reallychange the way peopleuse gift registries is whenthey look beyond the ideaof purchasing an item,and decide they want to

be a part of someone's overall life experi­ence instead," MacEwen said."Buying ahome and getting married are two oflife'sbiggest events. Over time, I think peoplewill realize that it makes a lot of sense toconnect the two."How to crowdfund your dream home

Don't be sheepish. Wedding reg­istries of any variety are simply a seriesof gift ideas for wedding guests who arealready planning to buy a present. A downpayment registry is no different — it's justa suggestion.

Spread the word. Share the specif­ics of your down payment registry on yourwedding website, on any wedding showerinvitations, and when fiiends and familyask where you're registered.

Be grateful. In addition to thethank-you notes that you'll send promptlyafter the wedding, consider sharingperiodic updates about your home-buyingadventures with the people who helpedmake it possible. It's just another way toshow your gratitude.

Leave a paper trail. Wh en apply­ing for a home loan, you'll need to verifythat your down payment is yours, free andclear, and not the result of another loan.Most down payment crowdfunding siteswill document the nature of the monetary

fiiends and family are willing to give tomake that happen."

To help achieve their goal of $5,500,Barros and Whiting set up a registry atFeatherTheNest.com a Florida-basedcrowdfunding site that allows "nesters" toregister for anything from contributionstoward a down payment to funds for homeimprovement projects. Beth Butler, princi­pal at the site, says crowdfunded regis­tries offer couples a way to involve theirfiiends and family in the most importantpurchase theQ ever make.

''When you're choosing a gift from atraditional retail registry, you're prettymuch bound to the prices of the items thecouple has chosen, and even then, you'relikely giving them something they mayforget about at some point in their mar­riage," Butler said."But helping a coupleget into their first home, that's a contribu­tion they won't ever forget."

Butler said that her site, whichlaunched in May 2014, now sees 15 to 20"nests" ias each fund is called) per month.

Other similarly functioning sites­such as HatchM House.com and Down­Pa mentDreams.com — offer comparableservices, typically for the cost of a smallpercentage of the couple's gift total.

Rieve MacEwen, president and co­founder of Hatch My House, estimatesthat the monetary value of the average

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You can't avoid closing costs but you can reduce themReal Estate News

costs.

By Chrystal Caruthers

Unless you're Kylie Jenner, it takes along time to save for a down payment on ahouse. The rest of us sacrifice our gourmetcoffee for the lukewarm in-office drip inthe hope that setting aside a few dol­lars a day will magically compound intoenough to buy our piece of the AmericanDream.

And just when we think we have thenecessary funds to make even the mini­mum 3% down payment, we're slappedwith another round of expenses: closing

Closing costs typically amount to3% to 6% of the purchase price. Whythe broad range? Taxes. Buying a housemeans paying taxes and sometimestransfer fees upfront, at the closing. Whilethere are settlement costs that go to yourattorney, title insurance company, andlender, the biggest beneficiary is the gov­ernment — city, county, and state.

ing costs increased 6% last year andnow average $2,539 on a $200,000 loan,

according to Bankrate.com. Likewise,Bankrate.com says origination feesii.e., lender commissions) also in­creased 9% to $1,877, while appraisal feesrose 1% to $662. iBankrate.com did notfactor real estate taxes and transfer feesinto its analysis, which accounts for thediscrepancy between its estimate and themore general 3% to 6% estimate.)

In every real estate transaction, thereare closing costs. Everyone and anyonewho had anything to do with the trans­action has their hand out at the closing.That means the title company printsmultiple checks to pay the brokers, thesurveyor, the attorneys, the courier, andanyone else who can stake a claim againstthe property or its owner. So if you hadyour property staged and asked that thedecorators be paid at closing, then they tooget a check. If you had the bathroomremodeled and told the contractor youwould pay them when the house sold, it'snow payday Just to make it more confus­ing, closing costs vary by location. Everystate, city, and county has the authority toadd fees, sometimes called transfer taxesor impact fees, to your transaction. Clos­

ings, in essence, are a money grab.Texas has the highest closing costs in

the country, according to Bankrate.com.Nevada has the lowest.

Some closing costs are negotiable:attorney fees, commission rates, record­ing costs, and messenger fees. Checkyour lender's good-faith estimate for anitemized list of fees. Then use your GFE tocomparison shop with other lenders.

But don't despair, there are ways tocircumvent the added expenses:1. Look for a loyalty program. Some

banks offer customers help with theirclosing costs, if they use the bank to fi­nance their purchase. Bank of America,for instance, offers reduced originationfees for preferred reward members. It'sthe bank's way of offering a reward forbeing a customer.

2. Close at the end the month. Oneof the simplest ways to reduce closingcosts is to schedule your closing at theend of the month. If you close at thebeginning of the month, say March 6,you have to pay the per diem interestfrom the 5th to the 30th. But if youclose on the 29th, you pay for only one

day of interest.

3. Get the seller to pay. Most loans al­low sellers to contribute up to 6% of thesale price to the buyer as a closing costcredit. It's a way to seal the deal — anda tax-deductible expense for the seller.Don't expect this to happen much inhot markets where inventory is scarceiwhich is almost everywhere thesedays).

4. Wrap the closing costs intothe loan. You're already borrowingprobably hundreds of thousands of dol­lars — why not tack on a few thousandmore? Lenders charge more for this,butifyou don't have the cash, it's away to get into the house with lesscash upfront.

5. Join the army. Military membershave closing-cost benefits that areoften overlooked. Service members andveterans may qualify for funds to helpthem purchase a home. These benefitsare not limited to the VA loan. Thekey is to do the necessary research tomake sure you get everything you areentitled to.

Need some salt in that wound? Clos­

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I bet that within the past week you've given your credit card number and that three-digit security numberon the back of the card to someone over the phone to make a purchase. Do you realize that person couldthen make online purchases with just that information?

What can you do?

For starters, get your credit report pulled every six months to see if there's anything on it that doesn't be­long there, such as a new account that you never opened or a company where you've never worked.

1. Shred important documents before tossing in the trash.

2. Check your credit reports twice annually; it's free.

3. If you have the type of mailbox that anyone could just traipse over to and open, don't use it, and insteadget a P.O. Box or a locking mailbox.

4. Speaking of mail, if you haven't gotten mail after several days, contact the post office; someone elsemight be receiving your mail after issuing a phony mail forwarding address.

5. Keep tabs on when you're supposed to receive new credit cards and checks.

6. Immediately sign new credit cards; adopt a signature that you can replicate but that would be difficult toforge. Writing "See ID" is a false sense of security.

7. Always inspect your credit card statements and bank statements for anything suspicious.

8. Don't give out your Social Security number unless absolutely required. That said, you still will need togive it out often if you want various services.

9. But if a department store won't issue you a charge card without your Social Security number, don't getthe charge card. You don't need it, do you? Getting 10 percent off a pair of shoes in exchange for the newcard, and giving out all your sensitive PII is kind of silly.

Invest in identity theft protection and consider a credit freeze; it's your best form of protection.

Robert Siciliano is CFO of IDTheftSecurity.comand a personal security and identity theft expert.

Eastern Oregon is represented by an educated, professional group ofREALTORS® that all adhere to the strict REALTOR® Code of Ethics.

The future looks bright for Eastern Oregon and our REALTORS®are ready to assist you with all your real estate needs.