February/March 2020 - 800.473.4158 Published & Distributed by - Townnews
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February/March 2020 Published & Distributed by 208.746.0483 800.473.4158
I N D E X
Advertising.........................................................................................................4 Mann Mortgage................................................................................11
American Pacific Mortgage.................................................. Back Inside Cover Morgan Industries.............................................................................2
Assist2Sell.........................................................................................................7
Murray Insurance............................................................................ 10
Country Financial..............................................................................................6
On Q Financial................................................................................... 3
Elegant Interiors..............................................................................................12
P1FCU................................................................................................ 5
For Sale By Owner..........................................................................................10
Remax Rock N Roll Realty.............................................................. 11
Homebridge Financial Services........................................................Back Page
Keller Williams...................................................................................................1 Service Master Restore..................................................................... 3
Lewis Clark Association of Realtors............................................Inside Front Cover The Real Estaters.............................................................................. 1
Lucky Acres Fencing.........................................................................................5 Wells Fargo Home Mortgage............................................................ 9
The Seaport HOMEfinder is designed and distributed by the Moneysaver, 626 Thain Road, Lewiston, ID 83501
The online version can be seen at www.lcmoneysaver.com
If you are interested in advertising in the Seaport HOMEfinder please contact: 208-746-0483.
The Seaport HOMEfinder is published every other month – February, April, June, August, October and December.
PUBLISHER’S NOTICE: All real estate advertising in this publication is subject to the Fair Housing Act which makes it illegal to advertise “any preference, limita-
tion, or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or
discrimination.’’ Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of
children under the age of 18.
This publication will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings adver-
tised in this publication are available on an equal opportunity basis. To complain of discrimination, call HUD toll-free at 1-800-669-9777. The toll-free number for
the hearing impaired is 1-800-927-9275.
February/March 2020 Page 1
Page 2 February/March 20202019
October / November
February/March 2020 Page 3
The
DIFFERENCE
SIMPLER FASTER STRONGER
Simplicity Mobile App On Time Close Guarantee Upfront Loan Pre-Approval
LIZ OWENS
Branch Manager
NMLS 634638
ID MLO-21138 | WA MLO-634638
Liz.Owens@OnQFinancial.com | 208.503.7196
618 D Street Suite A, Lewiston, ID 83501
The On Time Close Guarantee program has requirements and restrictions, please consult your mortgage consultant for details. Payment for missed closings will be paid within 30 days after closing. Missed
closings due to unavailability of appraisers in the area will not be eligible for this program. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend.
Loan approval is subject to applicant qualification for a loan program. On Q Financial does not guarantee that each applicant will receive a loan. On Q Financial, Inc. is an Equal Housing lender. NMLS
#5645 | ID MBL-6579| WA CL-5645 | LO1231190681Y0000079nOI
Liz Owens Half Page Ad LO 123019.indd 1 1/30/2020 10:34:52 AM
Page 4 February/March 2020
LOOKING TO BUY A HOME?
2020 MAY BE YOUR YEAR!
(StatePoint) If buying a home is on your near-future to-do list, Khater stresses that while mortgage rates are an essential
experts say that 2020 may be a good year to make it happen. factor to consider in the home-buying process, there are
Mortgage interest rates are near historic lows, providing you other important items to think about as well as you lay the
with the opportunity to finance a new home purchase at a groundwork for your purchase. These include getting a firm
much lower cost. handle on your finances, knowing your credit score (and taking
steps to boost it if necessary) and familiarizing yourself with
According to a new forecast from Freddie Mac, mortgage down payment options. For more information and tools on
rates will stay in the 3-4 percent range for all of 2020 and 2021, home buying and homeownership, visit myhome.freddiemac.
giving prospective homeowners substantial time to plan their
purchase. This, combined with modest inflation and a solid Whether you are making the jump from renting to owning,
labor market, makes for good climate to buy a home with a or looking for a home that better meets your current needs,
fixed rate mortgage. For those who are already homeowners, now may be a great time to consider making your real estate
refinancing now may be a good idea. dreams a reality. Today’s low rates could save you money for
years to come.
“For those serious about homeownership, today’s sub 4 percent
mortgage rates should not be taken for granted,” says Freddie
Mac chief economist, Sam Khater. “For comparative purposes,
in 2000, rates averaged eight percent; and in the 80s, they
spiked to 18.5 percent.”
February/March 2020 Page 5
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February/March 2020 Page 7
Page 8 February/March 2020
2020 INTERIOR DESIGN
TRENDS ON THE HORIZON
(StatePoint) The beginning of the new year is a natural time Create warmth with tactile elements. Luxurious, richly-
to think about refreshing the look of your home, and in 2020, textured fabrics like velvet, suede and leather work nicely
“cozy” and “warm” are trending keywords for interior design, with clean, contemporary interiors as well as rustic farmhouse
according to experts, with luxurious textiles, inviting color spaces. Try vibrantly-colored velvets furnishings, pillows and
palettes, and warm mixed metals found across all design styles. throws. Wallpaper is making a comeback: use it in small areas
like powder room walls, or make a splash with a floral accent
While a maximalism approach is on the horizon, clean and wall.
modern design schemes continue to reign.
Style Evolution
“Use a minimalist approach, allowing patterned décor to add
pops of color,” advises Eliza Alkire, trend expert and product Overall design trends are evolving. Homes that were previously
designer for Progress Lighting. “Accent this with hanging traditional are now termed “new traditional” as they take on
planters and potted greenery to enhance the character of any fun, youthful elements that keep the design fresh. Lighting
room with an organic look.” fixtures have mixed metal finishes or are designed in new takes
on classic silhouettes, such as large lanterns and chandeliers
Materials, Shapes and Finishes done in linear shapes.
While neutral color schemes are tried-and-true, in 2020, you’ll Mountain style goes beyond a rustic, cabin look to take on
want to turn to an updated palette consisting of warm, earthen a modern form with clean lines, neutral color palettes and
undertones. Choose lighting finished in mixed metals to accent uncluttered interiors. With open layouts and tall ceilings,
the neutral scheme while adding visual interest and depth. sweeping views command attention. Lighting is oversized,
with airy, open designs meant to cast light without obstructing
Recent years have seen lighting combine black chrome and
views from the plentiful windows in the space.
gold finishes. Now, warm tones of natural brass, bronze and
copper mixed with silver and black will be found across lighting For fans of farmhouse style, this look has taken a delightful
designs, cabinet pulls and plumbing hardware. Move over, turn, with fewer rustic details and more modern charm. Subtle
stainless steel! Just remember to keep the look uncluttered by hues go beyond a white and gray palette into the realm of soft
not mixing more than two or three metals in one space. greens and blush pinks. Lighting is inspired by historical
design with industrial details like working pulleys, but is
Geometric shapes are dominating design trends. Adding
combined with clean lines for a relaxed, casual vibe.
lighting in triangle, diamond, hexagonal or combination of
geometric shapes is one of the easiest ways to transform a To stay on-trend in the new year, think cozy, warm and inviting.
space and add wow-factor. Make sure to balance statement-
making lighting with clean, classic patterns and colors on
furnishings and accessories.February/March 2020 Page 9
Trim siz
7.5 x 8.7
Print ad
Coated
A wide array of competitive mortgage programs
Finance your home with one of the nation’s leading retail mortgage lenders. You may benefit from:
• A wide selection of conventional loan programs • Owner–occupied and investor mortgage
• Low mortgage rates programs available
• Fixed- and adjustable-rate mortgages (ARMs) • The attentive service of knowledgeable
mortgage professionals
• PriorityBuyer® preapproval
Contact one of our Wells Fargo Home Mortgage consultants for your PriorityBuyer preapproval today.
Teresa Koepke Wesley Gossage
Home Mortgage Consultant Branch Manager
868 Main St., Lewiston, ID 83501 868 Main St., Lewiston, ID 83501
208-799-6204 208-799-6255
teresa.d.koepke@wellsfargo.com wesley.gossage@wellsfargo.com
NMLSR ID 755325 NMLSR ID 400369
Jody Lauzon Crystal Nelson
Home Mortgage Consultant Home Mortgage Consultant
868 Main St., Lewiston, ID 83501 868 Main St., Lewiston, ID 83501
208-799-6270 208-799-6707
jody.lauzon@wellsfargo.com crystal.d.nelson@wellsfargo.com
NMLSR ID 400375 NMLSR ID 189090
Information is accurate as of date of printing and is subject to change without notice.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2011 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS4964382 Expires 07/2020Page 10 February/March 2020 FOR SALE BY OWNER
February/March
October / November 2020
2019 Page
Page 11
11Page 12 February/March 2020
OUR TEAM
Dedicated to
Serving You
Serving Home Buyers
for over 25 years STEVE GIBBS
NMLS#919484
Branch Manager
steve.gibbs@apmortgage.com
208-413-3026
First Time Homebuyers
Conventional • FHA • VA • USDA
Manufactured Homes • Refinance
New Construction (VA, FHA, Conv.)
VICTORIA RODRIGU EZ
E
NMLS#502258
O R A F R E vrodriguez@apmortgage.com
CALL F F I C A TION 509-552-6405
A L I
PRE-QU
CALL APM TODAY OR APPLY ONLINE:
LCValleyHomeLoans.com
1630 23rd Ave, Ste 201A • Lewiston, ID 83501 NMLS #1821425
DEAN MERICA
NMLS#1159212
© 2019 American Pacific Mortgage Corporation NMLS 1850. All information contained herein is for informational purposes only and,
while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all
options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to
extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and dmerica@apmortgage.com
restrictions apply. Equal Housing Opportunity.
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