We might only be a few months into 2024 but the Cedar Valley housing market is booming with buyer activity! In February, homes listed by an Oakridge Realtor sold for an average of $258,420 and in a median of 10 days. Homes sold by others in the Cedar Valley sold for an average of $206,193 in 27 days. That is over $50,000 more, and 17 days faster than homes sold by others in our area. When it comes to selling homes in the Cedar Valley, you can count on our team!
Oakridge Monthly Recap
The Mortgage Corner with Greenstate Credit Union: Credit Scores
If you're in the market for a mortgage, you may be wondering if having your credit report pulled will have a negative impact on your credit score.
The Mortgage Corner with Greenstate Credit Union: If I have my credit score pulled, will it negatively impact my credit score?
If you're in the market for a mortgage, you may be wondering if having your credit report pulled will have a negative impact on your credit score.
What happens when my credit report is pulled?
When you apply for a mortgage, the lender will pull your credit report as part of the application process. This is known as a 'hard inquiry', and it can temporarily lower your credit score by a few points. This happens because the credit scoring models view applications for new credit as a sign of potential risk.
However, it's important to understand that this impact is usually minimal and temporary. In most cases, your score
We might only be a few months into 2024 but the Cedar Valley housing market is booming with buyer activity and some great numbers that our team is pushing out! In January, homes listed by an Oakridge Realtor sold for an average of $227,566 and in a median of 8 days. Homes sold by others in the Cedar Valley sold for an average of $213,238 an in 21 days. That is a big difference in price and days on market when selling your home!
Oakridge Monthly Recap
The Mortgage Corner with Greenstate Credit Union: Financial Health
If you've ever tried to get in shape, you know that there's no magic formula for exercising and eating right. Becoming financially healthy is not so different - there are just a few
The Mortgage Corner with GreenState Credit Union – February 2024 edition
If you've ever tried to get in shape, you know that there's no magic formula for exercising and eating right. You need the discipline to put your knowledge to work in the real world - even when it would be so easy to grab a super-sized burger and skip that trip to the gym.
Becoming financially healthy is not so different - there are just a few things to know, but just because something is easy to understand doesn't mean it’s easy to do. Luckily, you can often start to see benefits of effective financial management right away - in the form of extra cash.
Step 1 - Earn more money than you spend.
The first rule of achieving financial stability is to ensure that
Hello 2024! We would like to sincerely thank everyone who bought or sold a home in 2023 with our team. We owe a special thank you to our SUPER hardworking agents. The numbers below wouldn't be what they are without our talented and driven team. Thank you to everyone who made 2023 so special! We look forward to another year doing what we love in the community we love the most. Watch our full recap video here!
578 Buyers
473 Sellers
24 Avg. days on market (compared to MLS of 42)
$247,084 Avg. list price (compared to MLS of $204,982)
9 Donations to nonprofits/organizations throughout the Cedar Valley
2900 Families joined us for Christmas with Oakridge & our Easter Eggstravaganza
15…
Potential Tax Write-Offs & deductions to Know About as a Homeowner
Once you own a home, you potentially become eligible for certain tax write-offs and deductions that you weren’t before. You may even be able to leverage some tax credits.
But to take advantage of these (and the savings they have to offer), you’ll need the paperwork that got you there — receipts, invoices, statements, and other documentation that proves your eligibility to the IRS.
Are you preparing to file your tax returns? Here are the items you’ll need on hand:
Mortgage Interest Statement: You may be able to deduct the interest you paid on your mortgage (or a home equity loan or line of credit). You’ll get a statement called a Form 1098 by the end of January of the
How is it that we are already half way through December!? Our November recap is filled with stats, Cedar Valley inventory levels, Christmas with Oakridge 2023, How an Extra Payment Will Impact Your Mortgage Balance with our friends at GreenState Credit Union, November Top Performers, November listing of the month and Holiday Activities to enjoy around the Cedar Valley this holiday season. Here's to another month of doing what we love in the Cedar Valley!
Oakridge Monthly Recap
As we quickly approach the end of the year we are SOO proud of the numbers our team continues to produce. When it comes to getting your home sold you can rely on our team of trusted Realtors. In October homes listed by an
The Mortgage Corner with GreenState Credit Union: How an Extra Payment Will Impact Your Mortgage Balance
Curious how making an extra mortgage payment will impact your mortgage balance?
For many, the thought of paying off a mortgage can be daunting, especially when looking at a 30-year term. However, making extra payments can help you save thousands of dollars in interest and payoff your loan quicker.
Understanding Your Mortgage
When you first start paying your mortgage, the majority of your payment goes towards interest. As time goes on, more of your payment goes towards paying off the principal. This is known as amortization. Making extra payments to your mortgage can significantly speed up this process.
Hello fall and the changing seasons! Our October recap is filled with stats, Cedar Valley inventory levels, Christmas with Oakridge, The Process of Buying & Selling with our friends at GreenState Credit Union, October Top Performers, October listing of the month and Holiday Activities to enjoy around the Cedar Valley this holiday season. Here's to another month of doing what we love in the Cedar Valley!
Oakridge Monthly Recap
As we quickly approach the end of the year we are SOO proud of the numbers our team continues to produce. When it comes to getting your home sold you can rely on our team of trusted Realtors. In October homes listed by an Oakridge Agent sold for an average 103% of their list
The Mortgage Corner with GreenState Credit Union: The Process of Buying & Selling a Home at the Same Time
Buying or selling a home can be stressful. It's not just about finding the perfect property to move into or finding the right buyer for your current home; it's about timing it right, qualifying for loans, and managing finances. And when these two significant life events happen simultaneously, the stress can be overwhelming. But don't fret. With the right preparation and guidance, you can navigate through this process smoothly. Here are a few tips to think about as you consider your next home purchase.
Getting Your Finances in Order
The first step in this journey is to get your finances in order. This includes understanding your current