20th Annual Polish Festival

Enjoy some of the best Polish food and culture in the Northwest at the  20^th Annual Polish Festival. Running for two full days, this event will feature live music and dance groups, street dances, a polka contest, imported Polish beer, and authentic Polish foods. Fun for the whole family!

Saturday: Sept 21, 2013 11am - 10pm Sunday, Sept 22, 2013 noon - 6pm

Polish Library Hall

For more information, visit this website. 

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions

www.allaboutportland.com
www.jessicashope.com

Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Getting a Mortgage Loan when You Are Self-Employed

The thought of qualifying for a mortgage can be stressful for many prospective buyers. If you are self-employed, you may have even more concerns. Even if you do not have a regular W2 or tax form from an employer, you can still qualify for a mortgage. There are some tips to follow, however.

Prior to the housing crisis and recession, many self-employed home buyers could simply attest to the amount of money they earned and that was it. Today, that is no longer the case. You will need to provide additional evidence beyond stated income. In order to document your income, you may be asked to provide business and personal income tax returns for the past two years along with financial statements. Documentation is critical when you are applying for a mortgage as a self-employed individual. Ensuring that you have all of the relevant documentation gathered together prior to applying for your mortgage loan can be a critical element in ensuring a fast turnaround. If any additional documentation is requested, provide it as quickly as possible.

You may also find that your chances of being approved for a mortgage loan increase if you are able to demonstrate that you have access to financial reserves in the event your business experiences a downturn. In the end, the lender simply wants to be assured that you can afford the home you are planning to purchase. Paying off consumer debt or consolidating your debts to a lower interest loan may also help in improving your cash flow while providing the lender with greater peace of mind regarding your ability to repay your mortgage loan.

If you are purchasing a home with your spouse who has a regular job, your chances may also be improved if your spouse applies as the primary borrower. You can then be listed as the secondary applicant. If that is not an option, you might consider asking a parent to co-sign the mortgage for you. It should be kept in mind that if you are not able to keep up with your mortgage payments, the co-signor will become responsible for the loan.

Although it is more challenging to obtain a mortgage loan today if you are self-employed, it is not impossible. With some careful advance planning, your dream of becoming a homeowner as well as a business owner can become a reality. 

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

10th Annual Bike-In Movie

Portland, Oregon

Gather the family together to celebrate everything related to bicycles with a screening of "Riding North," a film focusing on making the trip from the Yukon through the NW Territories to Yellowknife. This is a great opportunity to meet and chat with other bicycle enthusiasts who support biking as a sustainable, healthy form of travel.

September 7, 2013 6:00 P.M.

Portland Hawthorne Hostel

For more information, visit this website. 

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions

www.allaboutportland.com
www.jessicashope.com
 
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

How to Deal with a Mold Problem

Mold spores are a fact of life. They’re tiny, too small to see with the naked eye, and float about in the air. Trouble arises when they land on something wet and begin growing.  Once that happens, the clock is ticking.  As long as there is moisture, the mold will grow and spread. Mold can cause suffering for people with allergies or asthma.  Left unchecked, mold can cause damage to your home.

The keys to preventing a mold problem are ventilation, humidity, and preventing water leaks. Mold thrives in moisture, so ventilation and low humidity will dry out wet spots. And when you find moisture in places where it shouldn’t be, you need to be looking for a source of leaking water and fix it as quickly as possible.

The Environmental Protection Agency suggests that as long as the mold area is less than ten square feet, you can clean it up yourself. If the problem has grown beyond that, you’ll want to hire a contractor with mold remediation experience.  If you are going to try handling a small area yourself, the EPA has these suggestions:

1. Protect yourself and others from exposure to mold. Wear goggles, gloves and an N-95 respirator, which looks like a paper dust mask with a nozzle on the front of it.
2. Fix leaks and other water problems and let affected areas dry completely.
3. Scrub mold off hard surfaces with detergent and water and let it dry.
4. Porous materials like carpet and ceiling tiles may need to be thrown away because mold is nearly impossible to remove completely from them.

The problem with mold is that you can’t always see it. If you smell mold, but don’t see any or the house has had water damage and your family is having allergic reactions, you may need some help.  Mold problems can be hidden inside the walls of your house, under wallpaper or paneling, on top of ceiling tiles, on the underside of roofing materials and even in your ductwork. Finding it and exposing it to clean it can release massive amounts of spores, which is why you may want to bring in a professional.

The cost of cleaning an extensive mold problem is high enough that you need to protect yourself when buying a home. An experienced home inspector should be able to see the signs of mold or water damage that could lead to mold.  If you’re selling, you’re going to wind up paying a mold problem, so it’s not a bad idea to have your home checked well ahead of that time if you suspect there may be a problem. As always, if you have questions about how mold problems can affect buying or selling, contact me and I’ll help put it all into perspective for you.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Explore Portland's Past

Get to know the amazing multicultural and immigrant history of Portland. The Chinatown/Old Town Tour wth Reiko Hillyer meets Sunday at 10:00am outside of Voodoo Doughnuts [map]. Old Town/ Chinatown shows the challenges faced by Portland’s ethnic communities, as well as their many contributions to the city’s economy, industry and culture. Topics covered by this tour include Portland’s first African American community, Japan Town, Chinatown and more. Focusing on the late 19th and early 20th Centuries, this tour charts Portland’s urban development, and how these transformations created the city we know today.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

The Trouble with Pets

For many homeowners, pets are part of the family. And just like other members of the family, pets can sometimes cause problems around the house. A stain here, damaged wooden floors there: It can add up over time. Before selling a home, a homeowner will want to rectify these problems just like any others.

Oh My, What’s That Smell!
Sometimes you can tell pets live in a house the moment you open the door. This is not something you want to happen to potential buyers coming to take a look.  There is no simple fix for pet odors.  Sprays, plug-ins and scented candles might cover the smell, but may also set off alarm bells as people wonder what you’re trying to hide with all that perfume.

The secret to solving this problem is thorough and complete cleaning of all problem areas. That means deep cleaning carpets, furniture, and floors and walls. The smell of cat urine is perhaps the worst offender, and it the hardest to remove successfully.  The process can be involved, but here are guides from wikihow.com and petfinder.com that will help immensely. In addition, here are some more suggestions:



The Damage Pets Can Do
Hardwood floors and sharp, hard claws do not mix well. Cats and window screens is a disaster in the making. We won’t even consider some of the more exotic pets. All of this can add up to significant repair costs. So, here are some ideas to help prevent damage in the first place

• Keep pet’s nails trimmed so they won’t wear away the finish of a hardwood floor.
• Give your cat something to scratch so they’ll leave window screens alone.
• Don’t train your dog to scratch at the door when it wants to go outside. Unless the door is protected, it’s going to suffer over time.
• A bitter smelling spray from the pet store will help discourage teething puppies from chewing the edge of a door.
• Double-wide sticky tape will keep cats from scratching that area.
• Make sure to clean up urine and water spills quickly. Water can seep through the floor, and cause damage all the way down.
• You’ll have to do it when you sell your house, so go ahead and vacuum up all of that pet hair hiding behind the refrigerator.

A final tip: Your homeowners insurance policy will only cover damaged caused by pets if that animal is covered by the policy. You’ll need to talk to your insurance agent if you think you need to expand your coverage.

And when it comes time to sell your home, I’m here to help you. Give me a call and let me help you get the best possible price for your home, pets or no pets.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Searching for the Mini Beasts

The Friends of Tryon Creek invite you to venture out with a park guide for a free, nature hike to explore the forest and stream ecosystems and natural history at Tryon Creek State Natural Area [directions and map].  Topics will vary from week to week but will be appropriate for all ages.  Parents must accompany kids on all hikes. Admission is free and the hike takes place on Saturdays at 10:00am.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Getting the Most from Your Swimming Pool

Summertime means a lot of things, including a trip to the pool. But, if you happen to own the pool, you know summertime means lots of regular pool chores.  And no one will enjoy your pool if you neglect them!

• Regularly test your pool water chemistry. Twice a week is a good base line. It’s easier to keep things in balance is you don’t let them get out of control.  Make sure to check after periods of heavy rain.
• You’ve got to keep your pH level as close to 7.5 as you can, and make sure your alkalinity stays between the recommended levels. If you must add chemicals, do it in the evening. Strong sunlight will weaken the effect.
• Make repairs promptly. Broken drains or suction pipes are dangerous. Cracks in a pool wall will worsen over time, as will liner tears. Problems with pump equipment can allow the pool water to stagnate.
• Keep things clean. No one wants to swim in a pool with algae covered walls and debris on the bottom. Brush and scrub floors, walls and tile. Empty the skimmer basket every time you check the water chemistry.
• Your pump has to run between 8 and 12 hours each day to ensure proper circulation. Most have built in timers, but you’ll want to make sure they’re working properly.  And you’ll want to run the pump during the heat of the day. You’ll need to backwash a sand filter every three to four weeks, depending on the size of the pool.
• Once summer is over and temperatures begin to fall, you’ll need to properly winterize your pool. Failing that can mean expensive repairs, which may not be covered by your home owners insurance.

Maintaining a pool does take some work, but it can be well worth it. Taking care of the pool is essential to maximizing its value if the time comes to sell. And if that time comes, let me help you get the best price for your home.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Identifying and Treating Lawn Diseases

At the height of summer, the last thing any of us want to see is a brown, dying lawn. Caused by fungus, lawn diseases are a reality that can wreak havoc with your landscaping. How can you tell if you have a problem, and what can you do to prevent or treat one? Let’s start with the possible problems.

The Diseases
Rust occurs in laws that with lots of shade, humidity and low nitrogen levels. It’s easy to identify from the orange color and the fact that a tissue run over the affected area will also turn orange.

Humid, wet weather and warm temperatures at night are the conditions that can lead to Brown Patch disease. You'll see circular, sunken patches of grass that turns purple-green then brown. The outer edges will appear dark green.

When temperatures are between 70 and 90 degrees, lawns infected with Dollar Spot will begin to develop dead spots, up to six inches in diameter.

Dry weather followed by wet weather can help bring on Necrotic Ring Spot. Also known as Frogeye disease, it usually appears in fall and spring, but can affect lawns in summer as well. If it is affecting your lawn, you'll notice light yellow patches or rings which eventually turn brown or yellow.

Hot, dry and humid conditions are perfect for the fungus that causes Summer Patch. Crescent shaped patches result from rotting roots. Affected areas lose their color, turning reddish-brown and then tan.

Treating Lawn Disease
The bad news is that these diseases can cause permanent damage to your lawn if they aren’t dealt with promptly. The good news is that these diseases can be treated. Simply using a fungicide, and then following the guidance below will usually take care of the problem. The sooner you recognize the problem and start treating it the better. For more information, please see this article on WikiHow.

How to Avoid Lawn Diseases
There are a number of steps you can take to prevent lawn diseases. First and foremost, proper fertilization and watering are the foundations of a healthy lawn. Watering should be done in the morning so the lawn dries before evening. Mowing should be done at a high height and with a sharp blade.

Conclusions
A lawn represents a large part of any home’s curb appeal. Damage from disease can hurt the first impression potential buyers have of your home, and so preventing and treating lawn diseases are a priority if your house is on the market. So, don’t wait to take care of problems. And if you need help getting your house sold, please contact me and I’ll help you get the best deal possible.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Give Your Kitchen a Lift

​For many families, the kitchen is the center of the house. And an attractive, well-kept kitchen is an enormous asset to a home’s value. If you’re planning to sell, take a hard look at your kitchen. Is there anything that needs to be improved?

Painting or refinishing cabinets can be a great idea, especially if they’re older, worn or have an outdated design. A bright new look can really spruce up the appearance of your kitchen. You’ll also want to repair small problems like misaligned doors or drawers. For more on those repairs, see this article on TheFamilyHandyman.com.

If you've got problems with your countertops, you've got two options. You can replace them, or restore them. Replacing countertops is going to be more expensive, but can be an excellent long-term investment. Replacing countertops is often done as part of an all-over kitchen makeover that includes new cabinets, flooring and paint. But just replacing older countertops can give a kitchen a big boost. It needs to be done in the overall context of your kitchen, fitting in with the existing design.

Another option is to restore the existing countertops. Wear from years of use and even damage can be repaired. Repair kits for granite, solid-surface, marble, wood and laminate countertops are available. Laminate counters can be patched, repainted, polished and re-laminated.  For more on repairing or replacing countertops, Thisoldhouse.com has a fantastic section devoted to countertops.

Flooring in the kitchen is another area that suffers a lot of wear over time. This is another area where replacement or repair is both good options. Your options depend on the type of surface. Wooden floors can be restored beautifully by sanding and refinishing. For help with vinyl floors, eHow offers these instructions. When it comes to new flooring, you have a fantastic variety of options including stone, tile and concrete.

Other important items to check include the plumbing and lighting, and the conditions of appliances, which you may or may not want to replace before putting your house on the market. Anything you can do to improve the look of your kitchen will improve offers you’ll get from potential buyers. And when it comes to that factor, please call me and let me help you get a quick sale at the best possible price.

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

44th Annual Shakespeare-in-the-Parks: The Tale Of Cymbeline

The Portland Actors Ensemble presents The Tale of Cymbeline Saturday at 3pm at the Maryhill Museum of Art [map]. The show runs through September 2nd. Cymbeline was first performed more than four hundred years ago, and is based on legends concerning the Celtic British King Cunobelinus. 

Gabby Tyer - CRS, GRI
Real Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions
www.allaboutportland.com
www.jessicashope.com
Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.

Three Keys to an Easier Home Buying Experience

For many Americans, buying a home is the most significant purchase they’ll make in their lifetimes. The entire housing crisis has created a lot of turmoil and confusion, adding on to what was already a daunting task. But, take a deep breath. Things are much better than they were a couple of years ago, and as before, there are some basic things you can do to make the process of buying a home less stressful. Here are three key things to do:

Choosing Your Agent – Unless you've done this a lot, you’ll want to have an experienced agent on your side. This means using a buyer’s agent, who you pay, instead of a sub-agent who is paid by the seller and represents their interests, not yours. Because the subagent is ethically required to report what you say to them to their clients, you may regret things you do say to them. An agent representing you will be in a better position to make sure you get the best possible deal. Your actual cost for using a buyer’s agent can be offset by putting in your offer that the seller pays the agent’s commission. And by the fact that the agent is working to get you a better deal.

Choose a Good Investment – No matter how long you live in it, your new home is an investment. And you need to treat it just like you would any other financial investment. That means buying a home that is going to appreciate in value over time.  A beautiful home can be a terrible investment if you wind up paying more than the structure is worth. Don’t let your heart overrule sound financial decisions. Make sure you use a professional home inspector for a written report that includes general estimates of repair costs.

Plan Ahead – Don’t wait to learn about your mortgage options. Before you make an offer, research and understand the types of mortgages available and which lender offers the best rates. Work with your agent to determine what paperwork you’re going to need when you make an offer, and get as much of it ready ahead of time as possible.  Making an offer and buying a home is stressful, but you can make the process a lot easier if you've already handled these details. If this will be your first home purchase, make sure you take advantage of first-time home buyer programs.

For more guidance, check out the American Homeowners Foundation Top 10 Home Buyers Tips and CNNMoney’s Tips for Buying a House.  And remember that my job is to make the process of finding and buying your new home as easy as possible, so let me know how I can help you.

Gabby Tyer - CRS, GRIReal Estate Sales and Property Management
Managing Principal Broker/Owner
Realty Solutions

www.allaboutportland.com
www.jessicashope.com

Gabby Tyer is your ultimate real estate resource for Portland, Oregon and surrounding areas. Visit my website for detailed information regarding today’s real estate markets.
Portland Real Estate market stats news and education. Complete search access to all homes for sale in Portland, Oregon and surrounding areas.