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Buying A Home | pricing Blog

Monday, January 20, 2020   /   by Dixie Simon

Pre-Qualification vs. Pre-Approval?

What is the difference and why does it matter to the Seller?

Why is this such a BIG DEAL? 


Much Time can be wasted and great heartache can insue if you do not have your financial affairs in order. If you fall in love with your dream house and are not pre-approved, in most cases within the Spokane market and surrounding areas, your offer will go straight to the bottom of the pile. Without proof that you are eligible for a loan or if you are wanting to pay cash but are not willing to provide evidence of accessible funds--Talk is cheap!

So what is the difference between prequalification and pre-approval? 
There are similarities but they are NOT the same. So, what does it mean to get pre-approved vs. getting pre-qualified for a mortgage, and what’s the difference between the two?
Things that are similar:
Mortgage pre-approval and mortgage pre-qualification have the same benefits for anyone considering purchasing a home with a mortgage:
Both help estimate the ...

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Thursday, January 16, 2020   /   by Ariadne Gold

Should I Get a Home Inspection in the Spokane Real Estate Market?

If you’re buying a home, you’ve probably had multiple people (including your agent) tell you to get a home inspection. But why is that important?  You might think, “the furnace and water heater are new, the roof is only 5 years old; do I really need an inspection?”  The short answer is yes, you do.  Here’s why!



A home inspector isn’t going to only look at the big things, like the furnace and the roof.  They will look for anything and everything that should be fixed!  They will also look at things like how much insulation is in the attic, and whether it needs more. They will look at the foundation, and if it seems like it may have some problems, they will suggest that a foundation expert check it.  They check all the outlets to make sure that they work, and that the bathroom and kitchen outlets are GFCI.  They will look at the condition of the siding on the home, along with the windows.



I’ll give ...

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Thursday, January 16, 2020   /   by Kylene Emery

Do you need a home warranty???

If you’ve only ever rented before, the necessity of a home warranty may be unknown to you. As a renter, you are used to a landlord who will fix any issues you run into - but that all changes when you become a homeowner. Now, when a water heater breaks or the fridge starts to leak on the new floors in the kitchen, there is no landlord to call. So what do you do now? You may have a friend or family member who can handle the smaller fixes, but when it comes to the big issues that will end up emptying your pockets, a home warranty can save the day.
A home warranty is similar to insurance, as it covers some or all of the costs of replacements or repairs when a system in your home malfunctions or stops working altogether. They range in annual costs of $300-$600 and remove the middle man in the fixing process. Instead of finding someone to fix an issue, you will directly contact your warranty provider and they will set up the repair or replacement with the appropriate vendors. Your pre ...

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Monday, January 13, 2020   /   by Ariadne Gold

Should I Buy a Condo in Spokane? Or; What is an HOA?

If you’re thinking of buying a home, you may be thinking specifically about single family homes.  Depending on where you’re thinking of purchasing, you may not even be thinking about condos.  However, condos can be a great idea for some people!



1.       What is a Condo?


So, what is a condo?  Condos are homes that are owned by individual people, but are physically connected. These can be apartment style building or townhomes (where the units are side by side.)  Buying a condo involves a few more steps than buying a single family home.


2.       What is an HOA?


The first thing to know is that all condos have HOAs. HOA stands for Homeowners association.  The HOA handles the common areas, rules, budgeting, and insurance for the community.  All owners are required to pay HOA fees, which pay for some utilities, insurance, and common area maintenance. Some condos will ...

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Friday, January 10, 2020   /   by Dennis Isip

Spokane Real Estate Market Update: 2000-2019 - Two Decades Summary and Review

We are finally here, Spokane has experienced 20 years of real growth in real estate. If you bough a home in 2000, it's very likely that your home may have doubled in value within the last 4 years. The typical home with 3-4 bedrooms, and 1 or 2 baths, with living space of about 1600 sq ft, was valued at $109,500 in 2000.
Today, assuming that you've kept up with its maintenance requirements, that house is now valued at $270,052. Further appreciation may yet continue in this upcoming year of 2020. However, we need to watch it very closely. As the data indicates, there has been a drop in number of homes sold in 2019, compared to 2018 and 2017. 


There are 2 possible reasons: 1) Spokane is continued to be plagued by the extreme lack of housing inventory, or 2) the buyer demand (especially from out of town) is softening up.
Housing Inventory
There has been a dire shortage of homes for the significant part of the past 36 months. Inventory has been consistently hovering at 1 month. ...

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Haven Real Estate Group
Cambria Henry
304 W Pacific Ave; Suite 360
Spokane, WA 99201
509-590-4701

IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS.
MIMLS The data relating to real estate for sale on this web site comes in part from the Spokane Association of REALTORS® MLS. Real estate listings held by brokerage firms other than Haven Real Estate Group are marked with the IDX logo. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Haven Real Estate Group shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Property locations as displayed on any map are best approximations only and exact locations should be independently verified. Copyright 2020 of the Spokane Association of REALTORS® MLS. All rights reserved.