Improving Indoor Air Pollution

Indoor air pollution can pose many health risks, including: allergies, asthma, and even cancer. The average person spends about 30% of their day at work and 75% of their day indoors . These simple solutions can improve the air quality in your home:

• Avoiding smoking and the use of chemicals indoors
• Using building materials that don't emit toxins. Ask your builder for some eco-friendly building options.
• Dehumidifying in moist areas
• Ensuring adequate ventilation
• Using air filters that help reduce air pollutants
• Replacing older heating and a/c units
• Installing carbon monoxide detectors, ventilation systems, and air purifiers
  

For information on quality air filters to improve indoor air quality, contact Rick Butefish at Filters4Me.com or 918-292-8600.

To build a new Wagoner, OK home, contact Rick Oberlender of US Building Systems at 918-734-1293.

For Heating and A/C Service in Wagoner, contact Stephan Taylor, Air Assurance, 918-258-HEAT or www.airassurance.com.

Title Insurance?

Title insurance protects your claim of ownership of your property. When you buy Wagoner real estate, you count on the paperwork being properly reviewed. One of the important parts of a mortgage transaction is the Title Opinion. When you get a "title opinion" from an attorney, that "title opinion" is simply the opinion of the attorney you hired. It is important however, it does not provide any insurance against errors made by the attorney or insurance against a later claim of error in the title. This is where Title Insurance comes into play.

If you purchase title insurance and someone later questioned your ownership of the property, the title insurance company would be required to come defend your title.

A few things to note:

• Title insurance only covers the period of time before your purchase of the property. It does not cover from the time you purchase and beyond.
• Sometimes "exceptions" can be listed in your title policy. These would be things that were known when the policy was written such as, your driveway or storage building being on the neighbor's property.
• Title problems are often called "clouds" which mean your ownership is not completely clear - someone could raise questions about it. Even if your ownership would not be lost, it can be expensive to remove the "cloud" on your title.
• Title issues can arise from forgeries, improper paperwork filing at the courthouse, incorrectly completed forms, deaths and bankruptcies, lawsuits between other parties, and many other unknown circumstances.

For more information about title insurance in Wagoner, OK, contact Karen Burnette, at FirsTitle, 918-493-2241 or www.firstitle.com.

Having Wagoner, OK. Title Problems? Contact Chuck Richardson of Richardson, Richardson, Boudreaux at 918-663-5070 or www.rrblawok.com.

For all your Wagoner, OK. area real estate needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

When You Move, Don't Pack These!!

Packing and moving can be a lengthy and stressful process. Knowing what to pack is simple, right? Not always! There are some items that should not be packed when you are using a moving company. Hazardous items are actually illegal for movers to transport. The following items should not be sent in the moving van:

• Pant and paint thinners
• Ammunition and firearms
• Gas, Propane, or Oil
• Flammable or explosive materials
• Aerosols
• Acetone products
• Stereo
• Matches
• Valuable items
• Pets

For a complete list of items Wagoner moving companies can’t move or to move your Wagoner area property, contact Mike, Relocation LLC, at 918-455-6683 or www.relocationllc.net.

For junk removal services in Wagoner, contact David Tittle, I-Haul, 918-261-4008 or www.ihaulusa.com.

For your Wagoner real estate needs, contact The Baskin Real Estate Specialists at McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Insurance Claims...Prepare Ahead!

When homeowners file an insurance claim, many times, they find that insurance adjusters can't answer questions about their policy. That's because, often, insurance adjusters are sub-contracted by the insurance company and are not familiar with your specific policy. To help alleviate that problem, make sure that you ask plenty of questions about your policy before you purchase it. Find out what is covered and what isn't. Also, keep in mind that many policies stipulate that you have to file a lawsuit within 1 year of the claim or you will waive any right to do so. If there are problems with your claim, you may need to file a lawsuit before the year is up in order to make sure that your time doesn't run out and you are stuck with repairs that you can't pay for. To avoid being put into that position, work ahead, ask questions, and do your research.

For Wagoner Area Homeowners Insurance, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

For legal advice on insurance claims in Oklahoma, contact Paul Boudreaux of Richardson, Richardson, Boudreaux at 918-492-7674 or www.rrblawok.com.


For Wagoner Home Maintenance Professionals, visit www.tulsahomecare.com or talk to the professionals listed here:

Roofing Repairs in Wagoner, Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com
Disaster Restoration in Wagoner, OK, Roger Fisher, PCC Cleaning & Restoration, 918-641-1111 or www.pcccr.com
Wagoner Electrical Repair, Larry Murray, Murray Electric, 918-557-3020 or www.murrayelectric.com
Wagoner Plumbing Repair, Markwayne Mullin, Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com.
Heating and A/C Repair in Wagoner, Stephen Taylor, Air Assurance, 918-258-HEAT or www.airassurance.com.
Wagoner Area Building and Remodeling, Rick Oberlender, US Building Systems, 918-734-1293.

Are There Bugs in Your Bed??

Okay. I know you are probably saying "Bugs in my bed? There are no bugs in my bed!" Actually, there are. There are two types of bugs that you are likely to find in your bed: Bed Bugs and Dust Mites. Dust Mites are microscopic bugs that eat dead skin cells that are shed from humans and animals. They can be found in lots of places, but are especially prevalent on mattresses, frequently used furniture, and carpeted areas. Humans slough off 1/3 (or 10 grams) of dead skin a week and cats and dogs produce even more. More than 100,000 can be on your mattress and in one square yard of carpeting. Many of us can actually be allergic to dust mites and their feces, which is a large component of dust.

Some of us might also discover Bed Bugs. Exterminating Bedbugs can be a difficult task. If you don't treat them they will move through the walls into another persons apartment or condominium (if you have shared walls). These bugs can come from buying things 2nd hand, letting someone spend the night in your home, using someone else's moving equipment plus many other ways. Bed bugs need a blood host- people or animals. They will usually be within 15 feet of a blood host and it only takes them 5 minutes to travel that far. They can sense our carbon dioxide when we exhale. When the population starts to get big, they become a part of your clothing. If you are trying to get rid of bedbugs, wash clothes and everything you can, weekly. They will be in mattresses and many other things. If you start to get bites or look like you have a rash, you might have bedbugs. They look like a tick but are smaller.

I know you're probably saying "That's enough, tell me how to get rid of the nasty things!"

We can't completely get rid of dust mites, here are some ways to reduce dust and Dust Mites in your home:

• Cover your mattress with a plastic cover or mattress cover made exclusively for reducing dust mites.
• Use Hardwood Flooring instead of carpeting since it is easier to reduce and clean dust from hard surfaces.
• Clean regularly. Wash your sheets and blankets at least once every two weeks and clean areas where they are likely to be every week.
• Reduce fabrics on your furniture by purchasing leather furniture, which is less inviting to Dust Mites.
• Use quality air filters and replace them often in order to reduce dust and allergens in your home.

To treat for Bed Bugs treatments are completely different. We don't use heat, we use pesticides to treat for Bed Bugs. Treatments range from $500-1000.


For all your Wagoner pest control needs, contact Mother Natures, 918-362-2000 or www.mothernaturesinc.com.

For more information about hardwood flooring options in the Wagoner, OK. area, contact Jim Ecrette of ProSource Wholesale Floorcoverings at 918-252-7711 or www.prosourcefloors.com/tulsa. (Don't forget to ask for Darryl Baskin's flooring discount!)

To purchase quality air filters contact Rick Butefish of Filters 4 Me at 918-292-8600 or www.filters4me.com.

Home Automation...

Home automation is, basically, anything that gives you control over certain aspects of your property from one location, whether that is inside your home or remotely. Home automation systems can be as simple as being able to control some or all of the lights in your home from one control. It can also be quite complex.

Home automation systems can include: lights (both interior and exterior), security systems, home audio systems, home theater systems, heating and A/C systems, and even window draperies and shades. These systems allow you to use one controller inside your home to control these systems. They can also be set up to allow access through the internet or your cell phone. You can even use voice recognition to access some systems.

What's even better than being able to do all these things without getting up? Saving energy costs at the same time. Many of the features, especially lighting systems, can pay for themselves with a 10% energy savings each year.

For more information on home automation system installation in Wagoner, contact Keegan Beck of KMB Enterprises at 918-527-1031 or www.kmbenterprisesllc.com.

Tips for a Less-Stressful Closing!

Buying and Selling a home can be a stressful process, but when the closing process doesn't happen smoothly, it can add even more stress. Here are a few tips to help the closing process happen without a few of the most common glitches. First, listen to the professionals. If your real estate agent or mortgage broker gives you suggestions for the closing and moving process, heed their advice. They see problems regularly and can help you avoid some of the most common problems. Second, sellers, pack and move out of the house as early in the day, or even the night before, as possible and schedule closing for the afternoon. For buyers, schedule the final walk through earlier in the day as well. This added time should help with any unplanned delays. Third, consider adding a little extra expense to your budget in case there is a delay in closing and storage or hotel costs are needed or you need to hire a professional for an unexpected home repair. Finally, ask for a final settlement statement a day or two in advance of closing so that last minute surprises are kept to a minimum.

For more information on the closing process or if you are in need of Wagoner area closing services, contact JJ Pierce, FirsTitle, 918-493-2241 or www.firstitle.com

For all your Tulsa mortgage needs, contact Steve Currington, Currington Mortgage, 918-394-LOAN or www.curringtonmortgage.com

For all your Wagoner, Oklahoma area real estate needs, contact, Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Laws Affecting Your Wagoner Move...

Did you know that the Oklahoma Corporation Commission requires insurance coverage and licensing for moving companies? Not too long ago, an inter-city moving company was exempt from licensing and insurance laws but now faces penalties and fines for not holding these policies and coverages. Although the law took effect in 2009, homeowners are still sometimes deceived by companies who present a low bid but offer no coverages for damage or loss. Before you hire a mover, research their company and reputation carefully. Make sure that you can trust them with all of your belongings.

For more information on these regulations affecting your Wagoner move or for an estimate contact Mike at 918-459-6683 or www.relocationllc.net.

For all your Wagoner, Oklahoma area real estate needs, contact The Baskin Real Estate Specialists of McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

If you have questions regarding Oklahoma legal issues, contact David Keesling with Richardson, Richardson, Boudreaux, Keesling at 492-7674 or www.rrblawok.com.

Incorporating Green Products into Your Wagoner Home

When building, remodeling, or replacing products in your home, eco-friendly or green ideas can be very easy and often inexpensive to implement. Here are some easy ways to incorporate green products into your home:

• When building a new home, face the widest part to the north or south.
• Place doors and windows where you will receive good cross-ventilation.
• Ensure your attic space is well ventilated by using roof ridge vents, lighter colored roof materials, lots of insulation, and by placing A/C ducts in the attic to help absorb the heat.
• Install an energy-efficient and properly sized heating and A/C system for your home, make sure that duct work is correctly sealed, and use a programmable thermostat.
• Utilize landscaping materials, plants and design that is appropriate for the climate and rainfall levels in your area.
• Use low-flow toilets and showerheads and energy-efficient appliances.
• Recyclable and renewable materials can be used for decking, siding, interior and exterior trim, and more.
• Choose flooring materials made out of concrete, bamboo, or recycled wood.
• Replace your air conditioning filter regularly to enhance the performance of your air conditioning system and to reduce pollutants in your home.

For more ideas or estimates on incorporating green products and ideas into your home, contact the professionals below:

Wagoner Roof Installation and Repair: A-Best Roofing, Judy Smith, 918-587-1426 or www.abestroofing.com
Heating and Air Conditioning Installation and Repair in Wagoner: Air Assurance, contact Stephen Taylor at 918-258-HEAT or www.airassurance.com
Wagoner Building and Remodeling: US Building Systems, contact Rick Oberlender at usbs@att.net.
Air Conditioning Filters: Filters 4 Me, contact Rick Butefish at 292-8600, rick@filters4me.com, or visit their website at www.filters4me.com.
Wagoner Flooring Products: ProSource Wholesale Floorcoverings, contact Jim Ecrette at 252-7711 or prosourcejim@tulsacoxmail.com (ask for Darryl Baskin’s preferred pricing).


To find energy-efficient, eco-friendly, or green homes in the Wagoner, Oklahoma area contact Darryl Baskin, McGraw realtors 918-258-2600 or www.darrylbaskin.com.

10 Ways to Get Rid of Mold in Your Home

Whether you’re a home buyer, homeowner, or home seller, mold poses a wide range of problems, from cosmetic issues to serious health hazards. According to the Alliance for Healthy Homes, more than 1,000 types of molds have been found in U.S. homes, and approximately 6-10 percent of the general population, and 15-50 percent of people who are genetically prone to develop allergies, are allergic to mold.

Surprisingly, some of today’s advanced building techniques unwittingly foster mold growth in the home. As buildings are increasingly designed to prevent the infiltration and exfiltration of air, the materials used lock in moisture and humidity. Older homes are at risk thanks to leaky windows and roofs that bring in even more moisture.

Finding and removing mold is of the utmost importance, whether you intend to sell your home in the near future or not. Here, from home inspection experts, Pillar To Post (www.pllartopost.com), are 10 tips for combating mold in your home:

1. Call in a home inspection professional to assess water-damaged areas.

2. Keep humidity low. Humidity levels should be under 40% in order for mold to stop its forward march.

3. Replace any carpets and furniture that have ever been significantly damaged (i.e., saturated in water), even if they look OK on the outside.

4. Carpet in a bathroom or basement is never a good idea. Remove any that exists in those areas in your home.

5. Use an air conditioner during the summer months, even if it’s set at a relatively high temperature, like 80. Use fans to circulate air.

6. Dust and clean furniture regularly, and vacuum carpets at least once a week (make sure your vacuum has a HEPA filter).

7. Provide adequate ventilation in hot areas. The kitchen and bath are two of the highest-risk rooms for mold. Install exhaust fans in the kitchen and bathroom.

8. When you’re shopping for house paint for big or small painting projects, ask the sales rep about mold inhibitors you can add before painting.

9. Does your central air system have a fan from the Ford Pinto era? If so, replace it with a high-performance electrostatic air filter. Your local HVAC technician can help with this.

10. Don’t neglect areas underneath the house—have a professional drain and ventilate all sub-basement areas, especially crawl spaces.

If you do find mold in your home, remove it with a store-bought anti-fungal solution, or get rid of it with a weak bleach solution—1 cup bleach in 1 gallon of water. Or, if mold exists in a larger area, call in a professional to help.

As a Member of the Top 5 in Real Estate Network®, I, along with my team, have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact our team any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Darryl Baskin, McGraw Realtors, 918-258-2600

For professional Wagoner, OK. mold removal, contact Roger Fisher, PCC Cleaning and Restoration, 918-641-1111 or www.pcccr.com.

For high performance air filters delivered to your door, visit www.filters4me.com.

For Wagoner Air Conditioning Repair and Replacement, contact Stephen Taylor, Air Assurance, 918-258-COOL or www.airassurance.com.

For wholesale flooring in Wagoner, OK. contact Jim Ecrette, Prosource Wholesale Flooring, 918-252-7711 or www.prosourcefloors.com/tulsa. Remember to ask for Darryl Baskin's wholesale pricing.

For all your Wagoner real estate needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com

Storm Damage and Insurance Claims

1. The first stage of the claim process - getting started:

I have a storm claim - what do I do?
The first step in the claims process is reporting your damage to your insurance company. Call your insurance company to report the claim. At this stage, your call will most likely be directed to someone gathering basic information such as contact information and broad general information regarding your loss. This person most likely will not be the adjuster assigned to assess and evaluate your claim and is not the person who will ultimately decide on insurance benefit payments to you. It is important to provide answers to any questions asked at this stage.

What if I cannot find my policy?
Immediately ask your insurance company or agent for a complete copy of your insurance policies, including your declarations page. That policy is the contract between your insurance company and you. You need a copy to understand what coverage types are available to you in case you later need to tell your lawyer this information. Some of these coverages may be difficult to understand. Basic coverage types in these policies include dwelling, other structures, personal property and loss of use. Common additional coverages include debris removal, property collapse, and reasonable repairs. Also, the policy will also determine amounts of coverage as well as any exclusions, conditions, and deductibles regarding coverage. The debris removal coverage, if available, may be particularly helpful at this early stage to pay to clear your property. While this fact sheet addresses residential homeowner’s insurance, commercial property insurance can cover both physical structures and property as well as loss of business and income as a result of a disaster.

I have been assigned an adjuster, so what happens now?
An adjuster’s job is to investigate the claim for the insurance company. Determining what caused the damage and placing a value on the damage are part of this stage. You should expect the adjuster to inspect the damage initially and provide guidance as to what you can do to move the claim forward. You should ask the adjuster what you should do to assist in the claims process. Take notes of any instruction given to you. If you do not understand anything, ask for clearer instruction or explanation.

The adjuster assigned to me does not work for my insurance company. Should I be concerned?
Oftentimes, following a natural disaster with widespread damage like we experienced on April 27th, insurance companies will employ what are called “independent” adjusters to help handle claims due to the high volume of claims coming in. This does not change any obligation of your insurance company. The policy between you and your company remains in effect and must be honored regardless of whether the adjuster is a direct employee of your insurance company or an “independent adjuster.”

I do not like my adjuster. What can I do?
You have an obligation under your insurance contract to cooperate with your insurance company. This might include answering questions you feel are unnecessary or impossible to answer at this time. Do not forget your obligation to cooperate. If you refuse to cooperate, you may be giving your insurance company an opportunity to not pay your claim, in whole or in part. That does not mean you have to accept any payment offer from the company. Instead, this means you have to provide information asked by the company or adjuster. If you find you cannot work well with your adjuster, you may request another one. Some policies provide for this right, while other policies do not. Prior to making this request, review your policy. Under the strain from and the recent destruction, such a request may also slow down your claim.

I cannot live in my home. What can I expect from my insurance company?
Determine what “Additional Living Expense” coverage you have from your adjuster and your policy. "Additional Living Expenses" generally includes hotel or restaurant bills; the limit in terms of specific dollar amounts or percentage of coverage are usually defined. Make sure you understand the limit - the maximum total amount of coverage - you have so you can budget your living arrangements. This coverage is designed to provide a comparable standard of living after a loss. Ask what documentation you need to provide to continue this coverage while you are displaced from your home.

**For part two of this article, visit www.darrylbaskin.com/baskinreport

For Wagoner, OK. legal questions regarding storm damage and insurance claims, contact David Keesling, Richardson Richardson Boudreaux Keesling at 918-492-7674 or www.rrblawok.com.

For all your Wagoner, OK. insurance needs. contact Mike Tedford, Tedford Insurance, 918-299-2345 or www.tedfordinsurance.com.

Top 10 Ways to Prevent Roof Leaks

While roofing problems are obviously exacerbated by rain, there are other insidious, but lesser-known sources that contribute to roof leak issues. Whether you’ve got a new home or an older one, most roof shingles, on average, can go 15 years without needing repair—but a roof can deteriorate well before the 15-year mark, and the longer you wait to repair it, the more expensive the repair will likely be.

By being aware of the various problems that can lead to major roof leaks, you can catch them early, avoid expensive repairs, and prolong the life of your roof. Of course, this is especially critical if you are approaching the home-buying or –selling process. Home inspection company Pillar To Post recommends that you keep a close watch for the following roofing red flags and correct them as soon as possible:

1. Incorrect shingle installation. Even the strongest shingles won’t stand up to rain if they’re not properly installed. Improper joint locations and a lack of underlay are two issues that are particularly hard to see, but can be extremely problematic.

2. Structural sagging. A sagging roof structure is often the result of moisture retention, and nearly always foreshadows, or coincides with, a leak issue.

3. Water “ponding.” Clogged roof drains and indented areas on flat roofs can cause water pooling—which is basically a leak waiting to happen.

4. Damaged nails. Even on shingles that have been expertly installed, nails are the first thing to show wear. Corroding nails leave microscopic holes that invite water in.

5. Improperly hung gutters. Gutter placement is critical and just a tiny shift caused by strong wind can tamper with the gutter system and divert rain onto the roof.

6. Moss. As moss gathers, it retains more and more moisture that you might not be able to see—until it starts dripping into the attic.

7. Insufficient insulation. Pre-1980s homes, in particular, may not have an adequate vapor barrier; if they don’t, a replacement is warranted—surface patching and minor repairs will just amount to wasted money.

8. A deteriorating chimney. Cracks, eroded joints or decaying caps in the chimney allow moisture and water to seep in.

9. Poor past repairs. From improper plastering to inadequately plugged-up holes, any past repairs that look like they’re DIY are probably not up to code and are not apt to provide leak protection in the future. Have a professional evaluate and correct as necessary.

10. Don’t forget the attic. Many leaks can actually originate in the attic so be sure not to terminate any vent or exhaust pipes in the attic.

As a Member of the Top 5 in Real Estate Network®, I, along with my team, have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact our team any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Darryl Baskin
McGraw Realtors
918-258-2600
www.darrylbaskin.com

For Wagoner roofing installation and repair, contact Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com

Abandoned Homes Can Decrease Your Property Value!

The article, "Battling the Neighborhood Eyesore" posted on Realtor.org says that "foreclosures will affect 91.5 million nearby homes by 2012 and reduce property values of these homes by $20,300 per household". For homeowners trying to sell their homes, losing an average of $20,000 in the value of their home is not pleasing. What can homeowners and neighbors of these abandoned properties do to reduce the chances of losing value on their homes? The article mentioned above gives several tips to help keep these abandoned homes from looking like an eyesore and therefore reducing property value of nearby homes. Read on for more information.

Abandoned homes can be an unpleasant sight. Overgrown lawns, boarded windows, sagging gutters, and unsightly mold—not to mention, a higher risk of fires, vandalism, rodents, and mosquitos.

Properties are often left to deteriorate while in foreclosure limbo; the owner is already gone but the bank can’t take possession until the foreclosure process is finalized.

So what happens when you have to sell the property next door? According to research by the Center for Responsible Lending, foreclosures will affect 91.5 million nearby homes by 2012 and reduce property values of these homes by $20,300 per household.

“We were getting a lot of complaints from real estate professionals about these properties looking unkempt and asking what we can do about it,” says Bud Humbert with Century 21 Associates in Waldorf, Md., and also the chairman of the legislative committee for the Southern Maryland Association of REALTORS®. On behalf of his association, Humbert, also an REO specialist, approached Charles County officials to request that they update the county’s nuisance abatement law to include a "clean and lien " provision. The rule would allow the county to step in and clean up vacant properties and put a lien on them for the cost of the cleanup. Other cities and counties have enacted similar ordinances.

If that neighborhood eyesore is bringing down your listing, here are some steps you can take:

Notify the homeowners’ association. Most HOAs will pay to have the grass mowed and take care of maintenance issues, and then tack the expense on to the HOA bill, which will have to be cleared by the bank before the property sells, Humbert says.

Investigate local and state laws. Some states, such as California, will fine owners for not maintaining properties. New Jersey passed a law that puts banks in charge of maintaining the property from the beginning of the foreclosure process. Whom should you contact with your gripe? Start with your city’s building division; it’s often in charge of making sure a vacant property is boarded and secured. The bylaw department can check for building code vio­lations, the fire department can inspect for fire hazards, and the police can help if there’s vandalism.

Make property boundaries clear. "We are called on to handle this situation frequently, " says Margaret Innis, owner of home staging company Decorate To Sell in Andover, Mass. "On the outside, fences make good neighbors; so does landscaping with arborvitae shrubs—a fast fix worth the investment. Inside, use plantation blinds turned down so the light comes in but the view does not. "

Help with cleanup. Stepping in to help with the maintenance can be tricky. Regardless of your good intentions, your actions could be considered trespassing. First figure out who owns the property, which can be a challenge in itself, and then offer your assistance. Some cities and counties have started a vacant property registration that makes it easier to locate the owner. When Andy Hood, with Weichert, REALTORS®–Covington Group in Madison, Miss., struggled to sell a condo that overlooked the patio of a foreclosed property, he called the neighbor and asked if he could clean. "The woman was grateful and accepted my offer, " he says. "I hauled away a truckload of junk, pressure-washed the exterior, washed the patio furniture, and weeded and pruned her flower beds and shrubs. " Hood’s listing sold immediately after.

To buy or sell Wagoner, OK area real estate, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Tulsa, OK. Area Homes for Sale

Sapulpa, OK Home for Sale

602 Cross Timbers Blvd.
The Lakes at Cross Timbers
$329,000

3 Bedrooms
2 Full 1 Half Bathrooms
3 Car Garage

Broken Arrow, OK. Home for Sale

1705 S. Juniper Ave.
Village Park
$159,900

3 Bedrooms
2 Bathrooms
2 Car Garage

Jenks, OK. Luxury Estate for Sale

11425 S. Louisville Pl.
The Estates of Waterstone
$2,850,000

6 Bedrooms
6 Full 2 Half Bathrooms
7 Car Garage

For more information on these Tulsa, OK Area Homes for Sale or to buy or sell Wagoner, OK real estate, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Tulsa, OK. Area Horse Ranch For Sale...

Gorgeous Horse Ranch for Sale in Mounds, OK!

19983 S. Sheridan Rd
Mounds, OK. with 80 Acres

$2,699,000

4 Bedrooms
3 Full, 2 Half Bathrooms
5 Living Areas
3 Car Garage


For more information on this Tulsa, OK Area Luxury Ranch For Sale or for all your Wagoner, OK. luxury real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Mortgage Rates Rise...

Freddie Mac reported that mortgage rates are on the rise after being at a "standstill" last month. Despite this, mortgage rates are very affordable. Read the article, "Mortgage Rates on the Rise" found at Realtor Magazine below:

After being mostly at a standstill the past month, long and short-term mortgage rates were moving up this week, reports Freddie Mac in its weekly mortgage market survey.

"Mortgage rates followed Treasury yields higher over the holiday week but remain quite affordable by historical standards,” says Frank Nothaft, chief economist at Freddie Mac. “For instance, interest rates on all mortgage outstanding in the first quarter of this year averaged just under 6 percent. With today's rates, these home owners who have the ability to refinance could shave $169 per month in interest payments on a $200,000, 30-year fixed mortgage."

To buy a Wagoner home while rates are still low, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Tulsa Area Homes for Sale...

Secluded Owasso, OK Luxury Home For Sale

15601 East 82nd Street North
in Owasso, OK.

$1,900,000

4 Bedrooms
4 Full, 2 Half Bathrooms
4 Car Garage

_____________________________________


Updated Owasso, OK Home!

11607 E. 84 Ct. N.
Three Lakes Village in Owasso, OK.

$94,900

3 Bedrooms
1 Full, 1 Half Bathrooms
2 Car Garage
_____________________________________

Gorgeous Horse Ranch for Sale in Mounds, OK!

19983 S. Sheridan Rd
Mounds, OK. with 80 Acres

$2,699,000

4 Bedrooms
3 Full, 2 Half Bathrooms
5 Living Areas
3 Car Garage
_____________________________________


For more information on any of these Tulsa, OK area homes for sale or for all your Wagoner, OK. real estate needs, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Consumers are Making Better Money Habits...

According to a recent article, "Recession Helping to Raise Awareness of Credit Scores and Leading to Start of Good Money Habits" at RISMedia.com, consumers are becoming more aware of and beginning to make better decisions with their money. They are striving to make better money habits. According to that article:

"Budgeting and Cash Flow:

• 25 percent of users have been late at least once on their monthly bills in the last year;
• Of those who said they were behind on their bills, 28 percent are concerned they will never catch up;
• Of those respondents with children, 64 percent did not currently make any contributions to an education fund;
• Less than half (48 percent) of those surveyed keep a budget to track monthly expenses and cash flow. This is down from 52 percent in 2010.

Credit Scores and Cards:

• 18 percent of respondents have maxed out at least one of their credit cards, down from 22 percent in 2010;
• 31 percent pay off their balances in full every month. This is down from 36 percent in 2010;
• When surveyed about the amount of credit card debt they are carrying, respondents with current debt stated:
-Less than $5,000: 27 percent
-Between $5,000-10,000: 16 percent
-More than $10,000 in debt: 20 percent
• Only 6 percent of users did not know their credit score.

Retirement:

• 39 percent of survey takers are scared or uneasy about their prospects for retirement;
• Nearly half of respondents said they plan to retire between 60-65, while 16 percent said they don’t ever see being able to retire"

When it comes to buying a home, these financial decisions and money habits can make a huge difference in getting a good mortgage rate to buy a home and not being able to get a mortgage at all. Begin today by making better money habits!

To buy a Wagoner home for sale, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Remodeling? Know which Projects Will Increase Your Home's Value

With many home buyers choosing to stay put as opposed to selling their home in the current marketplace, remodeling projects are gaining new ground. However, before you set out on your remodeling project, the National Association of the Remodeling Industry (NARI) advises homeowners to make sure they’re getting the most value out of their remodeling dollars.

In my years of experience as a real estate professional, I have seen first-hand how the right home improvements can add to your home’s value…especially today when equity has been so hard hit. Wise remodeling decisions will also help command a higher selling price if and when it comes time to put your home on the market. To help guide you, NARI offers the following suggestions when considering a remodeling project:

• Exterior home improvements such as roofing, siding, windows and doors are subject to the elements and usually need to be replaced after a number of years. In terms of re-sale value, updated exteriors give sellers an edge over buyers who are attracted to your home before entering.

• According to Energy Star, half of a home’s energy use is dedicated to heating and cooling. If a system is more than 10 years old, it may be time to replace it. New, energy-efficient systems are not only more cost-effective but are also better quality.

• All homes benefit from increased insulation and sealing, regardless of climate. Older homes are traditionally under-insulated compared to new homes, and recent insulation innovations like spray foam or cellulose increase the ability to trap air inside. Proper insulation evens temperature flows, reduces energy use and has long-term benefits.

• Kitchen and bath renovations continue to be winning remodeling choices, as homeowners continue to see the value in updating high-functioning areas of the home that are used frequently. Be sure to take universal design concepts into account, increasingly incorporated into kitchen and bath areas to accommodate people of all sizes, abilities and ages.

While it may be acceptable to handle cosmetic updates to your home on your own—such as painting—be sure to contact a qualified professional for larger remodeling jobs like the above. Also, if your home remodel is large scale in nature—and potentially cost prohibitive—consider “phased” remodeling, where projects are broken into phases over time, for a long-term project plan.

Feel free to contact our team any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

For Wagoner maintenance professionals, visit the link or check out the professionals below....

For Wagoner heating and a/c repair, contact Stephen Taylor, Air Assurance, 918-258-COOL or www.airassurance.com.

For Wagoner remodeling, contact Rick Oberlender, US Building Systems. 918-734-1293.

For Wagoner plumbing installation and repair, contact Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com.

For Wagoner electrical repair and installation, contact Larry Murray, Murray Electric, 918-557-3020 or www.murrayelectric.com.

For Wagoner roofing installation and repair, contact Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com.

Do you know enough to get a good mortgage?

Last month, RIS Media presented an article entitled, "Nearly Half of Home Buyers Surveyed Don’t Understand Essential Information about Mortgages". Do you know enough to ensure that you can make an educated decision and get a good mortgage?

Here is some surprising information found in that article:

• "More than half (57 percent) of prospective home buyers who were polled do not understand how adjustable rate mortgages (ARMs) work."
• "One-third (34 percent) of the respondents who are prospective home buyers do not understand that lender fees are negotiable and that they vary by lender."
• "Nearly half (45 percent) of polled prospective home buyers believe that they should always buy mortgage discount points when obtaining a mortgage."
• "More than half (55 percent) of prospective home buyers in the study do not understand that mortgage rates vary throughout the day."
• "More than one-third (37 percent) of prospective home buyers who were polled believe that pre-qualifying for a loan means they have secured financing."
• "More than two in five (42 percent) of the polled prospective home buyers do not understand that Federal Housing Administration (FHA) loans are available to ALL buyers."

One way to ensure that you are well educated about mortgages, before you get one, is to do your research. Zillow.com offers lots of great information about mortgages and other real estate related fields. Click the link for more information.

Another way to make sure that you get the best mortgage, is to use a knowledgeable, experienced, and well respected mortgage broker. Selecting the right mortgage broker can mean lots of savings for you in the long run, as well as prevent a lot of hassle and run-around.


To read the original article, "Nearly Half of Home Buyers Surveyed Don’t Understand Essential Information about Mortgages" visit the link.

For all your Tulsa mortgage needs, contact Steve Currington, Currington Mortgage, 918-394-5626 or www.curringtonmortgage.com.

For all your Wagoner real estate needs, contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Tulsa, OK. Area Home for Sale

Tulsa, OK. Home for Sale

5821 East 101 Place
Forest Meadows Addition in Tulsa, OK.

$317,000

4 Bedrooms
2 Full 1 Half Bathrooms
2 Car Garage
3 Living Areas

For more information on this Tulsa, OK. Home for Sale or for all your Wagoner residential real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Lawmakers Fight Over 20% Downpayment Requirement

Currently, a proposed law would require a 20% downpayment for all Qualified Residential Mortgages. There are concerns by many lawmakers and real estate professionals that this requirement would hinder the recovery of the real estate market. Read on for more details about this proposed law and how lawmakers are attempting to change the federal regulators minds...

More Lawmakers Fight 20% Down Payment

A proposed 20 percent down payment rule for qualified residential mortgages is too high, argues a growing group of lawmakers in the House of Representatives.

Late last week, about 240 lawmakers in the House sent a second letter to federal regulators urging them to lower the down payment rule on QRMs. Last month, about 150 lawmakers had signed a letter urging the same.

"The resultant reduction in demand for housing, due to an overly burdensome government dictate, would only add to the challenges the housing market faces, and could threaten a full-fledged economic recovery from years to come," the most recent letter reads.

The 20 percent down payment rule arises from an effort of several federal agencies that have been trying to urge more responsible lending and borrowing. The agencies created a proposed risk-retention regulation under the Dodd-Frank Wall Street reform law, which requires lenders that securitize mortgage loans to retain 5 percent of the credit risk unless the mortgage is considered a safe mortgage or a “qualified residential mortgage.” (FHA and VA mortgages would be exempt.)

QRMs would be exempt from the 5 percent credit requirement but would have to meet certain guidelines, such as the proposed 20 percent down payment requirement. Borrowers with less than 20 percent down could then be forced to pay higher fees and interest rates.

A 20 percent down payment requirement would cause more first-time buyers to flee from the already fragile housing market, analysts at Capital Economics say.

The National Association of REALTORS® also has been an outspoken critic of the proposal, saying that a 20 percent down payment requirement would jeopardize a housing recovery.

Source: “More Lawmakers Join Major Push to Reduce QRM Down Payment,” HousingWire (June 20, 2011)

To read the original article in Realtor Magazine, "More Lawmakers Fight 20% Down Payment", visit the link.

For Wagoner, OK. real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Get Artsy with Your Landscaping!

Many of us have not heard of glass mulch. Glass mulch is becoming more popular for many reasons. First, it is very earth friendly. It is made from recycled glass, tumbled to ensure there are no sharp edges, and lasts forever in landscaping as mulch. Second, it can be laid out in a design using various colors for a more artistic flair in landscaping.

There are many uses for glass mulch when it comes to landscaping. You can use it as:

• garden mulch
• accent for driveway or pathways
• mixed into concrete for a terazzo tile effect
• used in non-skid or reflective paint
• used to create a beautiful fire pit

When you need a beautiful and sparkling effect for your landscaping, remember to consider glass mulch.

For glass mulch in Wagoner, OK. contact Leigh Murray, Garden Glass of Oklahoma, 918-232-0210 or www.gardenglassofoklahoma.com.

Why do I need a survey when I build a new home or addition?

When you decide to build an addition or a new home in Wagoner, you will need a survey. A survey shows where the property lines are as well as any buildings, easements, driveways, or encroachments on the property such as a neighbor’s driveway. You might say, “I don’t need a survey, I have a plat map”. A plat map only shows the property boundaries, it doesn’t show easements or encroachments which can cause a problem with a legal title. A survey will ensure that anything you are building is not on someone else’s property or easement. It will also help if you have acreage and decide to sell some of it later.

For more information on Wagoner, OK. land surveys, titles, and the closing process, contact JJ Pierce at Closings of Tulsa at 918-493-2241 or www.closingsoftulsa.com.

For real estate in the Wagoner, Oklahoma area contact Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Spectacular Luxury Home For Sale...

Tulsa, OK. Luxury Home For Sale

1714 East 35th Street
Adams Estates in Tulsa, OK.

$749,900

5 Bedrooms
5 Full, 2 Half Bathrooms
4 Living Areas
2 Car Garage

For more information on this spectacular Tulsa, OK. luxury home for sale or to buy or sell Wagoner, OK. real estate, contact Kelly Howard, Tulsa Luxury Property Group at McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

What is Required in a Home Inspection?

When we purchase a Wagoner home, many homeowners choose or are required by their mortgage, to have their home inspected. Each inspector has their own way to inspect the property and some do more than others. There are requirements, however, by the Oklahoma Home Inspection Industry (OAC 310:276) that gives minimum requirements for a General Home Inspection. Those requirements include:

The inspector shall inspect and describe the condition of the following items:

1. Structural System Inspection Requirement
a. Foundation Components
b. Framing Components
c. Method of Inspection
2. Exterior Inspection Requirements
a. Exterior Wall Coverings
b. Flashing, trim, fascia and soffits
c. Doors and windows
d. Balconies, decks, and railings
e. Steps, porches, walkways, patios, and driveways
f. Site, grading, surface drainage, and retaining walls
3. Roof System Inspection
a. Roof covering, penetrations, and flashings
b. Skylights
c. Chimneys
d. Method of inspection
4. Plumbing System Inspection
a. Fixtures, faucets, drain and vent systems
b. Water heaters, flues, energy source, and safety relief valve
c. Fuel storage and distribution systems and location of main fuel shut off
d. Water supply and location of main water shut off
5. Electrical System Inspection
a. Service drop, service entrance conductors, cables and raceways
b. Main disconnects, distributions panels, sub-panels, and grounding
c. Describe the amperage and voltage of the source
d. Conductors (including presence of aluminum branch wiring)
e. Readily accessible lighting fixtures, switches, ceiling fans, receptacles, ground fault
circuit interrupters, accessible wiring and splicing
f. Absence of smoke detectors
6. Heating System Inspection
a. Installed heating equipment, vents, flues, and chimneys
b. Energy source and distribution method
7. Cooling System Inspection
a. Central and through the wall cooling equipment
b. Energy source and distribution method
8. Interior Inspection
a. Interior walls, ceilings, and floors
b. Steps, stairways and railings
c. Cabinets and countertops
d. Doors and windows
e. Garage doors and automatic openers
f. Built-in kitchen appliances (garbage disposal, cook top, oven, dishwasher, vent hood)
9. Insulation and Ventilation Inspection
a. Insulation and vapor barriers in attic and crawlspace areas (or absence of)
b. Ventilation of attic and crawlspace areas
c. Mechanical ventilation systems
10. Fireplaces and Solid Fuel Burning Appliances Inspection
a. Firebox, damper, flue and solid fuel burning appliances

Need Wagoner Home Maintenance repairs after your home inspection? Contact these professionals...

Wagoner, OK. Roofing Repairs- A-Best Roofing, Judy Smith, 918-587-1426 or www.abestroofing.com

Plumbing Repairs in Wagoner, OK.- Mullin Plumbing, Markwayne Mullin, 918-258-6636 or www.mullinplumbing.com.

General Repairs, Remodeling and Building in Wagoner, OK.- US Building Systems, Rick Oberlender, 918-518-5913.

Wagoner, OK. Electrical Repairs- Murray Electric, Larry Murray, 918-557-3020 or www.murrayelectric.com.

Heating and Cooling Repairs in Wagoner, OK.- Stephen Taylor, Air Assurance, 918-258-COOL or www.airassurance.com.

What's Going on in the Real Estate Market?

The article, "Home Inventories Grow, Prices Fall" found at RealtorMag.com (Daily Real Estate News-June 16, 2011) cited some interesting real estate market statistics. Check them out below or follow the link above.

The inventory of for-sale homes grew in May by 3.5 percent, which marks the biggest monthly increase of the year, according to the latest housing data from Realtor.com. However, overall inventories dropped 14.3 percent compared to a year ago at this time.

Median asking prices for homes were down last month, falling 1.6 percent which follows two months of increases, the data shows.

Some of the largest declines were seen in Chicago and Tampa, Fla, where asking prices were down 5.7 percent from April, and in Phoenix prices were down 5.4 percent.

Listing prices increased in only 10 of the 146 markets tracked by Realtor.com. Denver and Washington, D.C., posted some of the largest listing price increases.

The National Association of REALTORS® will release next week its report on sales and inventory of existing homes.

For your Wagoner, OK. residential real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Homes for Sale in the South Tulsa Area

Jenks, OK. Luxury Home

11808 South New Haven
Scissortail at Wind River in Jenks, OK.

$785,000

4 Bedrooms
4 Full, 1 Half Bathrooms
3 Car Garage
Jenks School District
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Bixby, OK. Home for Sale

14493 South Lakewood Ave.
The Ridge at South County in Bixby, OK.
$339,990

4 Bedrooms
3 Full, 1 Half Bathrooms
3 Car Garage
Bixby School District
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Broken Arrow, OK. Home For Sale

2500 South 15 Street
Washington Lane III in Broken Arrow, OK.
$299,000

4 Bedrooms
3 Full, 1 Half Bathrooms
2 Car Garage
Broken Arrow School District



For information on these South Tulsa Homes for Sale or to buy or sell Wagoner, OK. area real estate, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Homeownership Survey- What do Americans Think?

According to a recent survey, "Despite the ups and downs of the housing market, home owners and non-owners alike consider owning a home essential to the American Dream." (RISMedia, June 10, 2011). Part of the survey information is found in an article, "Owning a Home Essential to the American Dream, Survey Shows" posted recently by RISMedia.

Americans are looking further than what the housing market is doing currently. Survey shows that Americans are looking into the future and seeing the value of owning a home long term. What are some other survey results?

• "Homeownership and a retirement savings program are considered by voters to be their best investments."
• "80 percent of home owners would advise a close friend or family member just starting out to buy a home."
• "Saving for a downpayment and closing costs is the biggest barrier to homeownership."
• "Americans believe that owning their own home is as important as being successful at their job or being able to pay for a family member’s education."

To read the entire article, "Owning a Home Essential to the American Dream, Survey Shows" posted recently by RISMedia visit the link.

For Wagaoner, OK. real estate needs, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.

Condos For Sale in the Tulsa, OK. Area

Tulsa, Oklahoma Condominiums for Sale

Enjoy the View from these Charming Spacious Condo's just Steps Away from the River Parks. Downtown and major interstates are only minutes away.

3731 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$172,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage

______________________

3727 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage
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3729 South Riverside Drive
Tower Court Condo's in Tulsa, OK.

$169,900

3 Bedrooms
2 Full 1 Half Bathrooms
2 Car Attached Garage


To sell your Wagoner, OK area Condo or to find condominiums for sale in Wagoner, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com

Tulsa, OK. Area Luxury Home for Sale

Elegant Luxury Home For Sale in Bixby, OK.

13420 S. Lewis Ave.
$999,000

13420 South Lewis Avenue in Bixby, OK
The Estates of Hampton Hills Addition

5 Bedrooms
5 Full, 1 Half Bathrooms
3 Car Garage



For more information on this Tulsa, OK area luxury home for sale or to buy or sell real estate in the Wagoner, OK area, contact Kelly Howard of McGraw Realtors at 918-230-6341 or www.kellyhowardhomes.com.

Is Wagoner, OK Home Ownership Still a Good Investment?

After home values dropped the last couple of years, some are asking, "Is Wagoner, OK. home ownership still a good investment?" In a recent article posted in Realtor Magazine, entitled "Americans: Home Ownership Still a Great Investment", Americans surveyed agreed that home ownership was still a great long term investment. This group surveyed included homeowners who were underwater in their mortgages. For more interesting information included in this article, read on:

Seventy-five percent of Americans say that “owning a home is the best long-term investment they can make and is worth the risk of ups and downs in the housing market,” according to a new survey of 2,000 bipartisan voters by the National Association of Home Builders.

Despite their situation — whether underwater on their home or even renters — the survey found Americans to be optimistic about home ownership. Eighty-one percent of those who own their homes outright, 76 percent with mortgages, 67 percent of renters, and 65 percent who have underwater mortgages cited home ownership as the “best long-term investment.”

When survey respondents were asked whether they’d recommend buying a home to a friend or family member just starting out, 80 percent of Americans said “yes.” Even home owners currently underwater — those who owe more on their mortgage than their home is currently worth — overwhelmingly (78 percent) said they would recommend home ownership to family or friends starting out.

More buyers are coming up through the pipeline too. The survey found that 73 percent of those surveyed who do not own a home said their goal is eventually to buy one.

The NAHB survey also found:

▪ 58 percent of Americans oppose eliminating the mortgage-interest deduction and 63 percent oppose lowering it. What’s more, 57 percent of those surveyed say they are less likely to support a candidate for Congress who wanted to eliminate the mortgage-interest deduction.
▪ Respondents were split on about requiring a 20 percent down payment to purchase a home: 49 percent were in favor and 49 percent opposed it. However, mortgage holders and renters aged 18 to 54 were more opposed to it: 58 percent of younger mortgage holders and 59 percent of younger renters opposed adding a 20 percent down payment requirement.

Source: “The Cook Report: The Home Front,” National Journal (June 2, 2011)

For Wagoner, OK residential real estate, contact Kelly Howard, McGraw Realtors, 918-230-6341 or www.kellyhowardhomes.com.