Meet Emily Villarreal

Meet Emily Villarreal! Emily is one of our wonderful agents who loves helping her clients achieve their real estate goals. She’s an expert at knowing what the Willamette Valley has to offer. Also, she has experience in construction work from a family business. This means, Emily knows a thing or two about all the potential that a home can have! At BST Realty LLC, we are so proud to have her as a part of our team!

Meet Emily Villarreal
Emily provides simply the best service when it comes to her clients!


Emily also has a background in counseling. This makes it so that Emily truly listens to her clients’ needs and requests. Knowing what a client wants is key to helping people get their dream home. Emily likes to be the guide and advocate for her clients. She loves being supportive during the entire process. It’s okay how much time it takes, she wants to make sure that her clients are getting to where they want to be. When things get tricky, Emily’s there to smooth things and see the bright side of things. She is also persistent and makes sure nothing gets left on the backburner. Ultimately, Emily loves making her clients’ lives easier and more enjoyable when it comes to buying or selling a home.

Emily and her amazing family!


Emily chose real estate for many reasons. One of which is that she just enjoys getting to know people and their unique perspectives. She also likes seeing the different architecture that is out there. BST Realty LLC was number one on Emily’s list of brokerages because of connecting with Michael Kemry, Managing Principal Broker. Over time, she also loved the community atmosphere and flexibility that BST Realty LLC provided. In addition to real estate, Emily continues her practice in addictions counseling.  In her spare time, she keeps busy with her lovely five children and husband. We are so happy to have Emily with us! Give her a call, and get started on your real estate dreams!

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Key Questions To Ask Yourself Before Buying a Home

Key Questions To Ask Yourself Before Buying a Home | MyKCM

Sometimes it can feel like everyone has advice when it comes to buying a home. While your friends and loved ones may have your best interests in mind, they may also be missing crucial information about today’s housing market that you need to make your best decision.

Before you decide whether you’re ready to buy a home, you should know how to answer these three questions.

1. What’s Going on with Home Prices?

Home prices are one factor that directly impacts how much it will cost to buy a home and how much you stand to gain as a homeowner when prices appreciate.

Key Questions To Ask Yourself Before Buying a Home | MyKCM

The graph below shows just how much experts are forecasting prices to rise this year:Continued price appreciation is great news for existing homeowners but can pose a significant challenge if you wait to buyUsing these forecasts, you can determine just how much waiting could cost you. If prices increase based on the average of all forecasts (12.46%), a median-priced home that cost $350,000 in January of 2021 will cost an additional $43,610 by the end of the year. What does this mean for you? Put simply, with home prices increasing, the longer you wait, the more it could cost you.

2. Are Today’s Low Mortgage Rates Going To Last?

Key Questions To Ask Yourself Before Buying a Home | MyKCM

Another significant factor that should inform your decision is mortgage interest rates. Today’s average rates remain close to record-lows. Much like prices, though, experts forecast rates will rise over the coming months, as the chart below shows:Your monthly mortgage payment can be significantly impacted by even the slightest increase in mortgage rates, which makes the overall cost of the home greater over time when you wait.

3. Why Is Homeownership Important to You?

The final question is a personal one. Before deciding, you’ll need to understand your motivation to buy a home and why homeownership is an important goal for you. The financial benefits of owning a home are often easier to account for than the many emotional ones.

The 2021 National Homeownership Market Survey shows that six of the nine reasons Americans value homeownership are because of how it impacts them on a personal, aspirational level. The survey says homeownership provides:

  • Stability
  • Safety
  • A Sense of Accomplishment
  • A Life Milestone
  • A Stake in the Community
  • Personal Pride
Key Questions To Ask Yourself Before Buying a Home | MyKCM

The National Housing & Financial Capability Survey from NeighborWorks America also highlights the emotional benefits of homeownership:Clearly, there’s a value to homeownership beyond the many great financial opportunities it provides. It gives homeowners a sense of pride, safety, security, and accomplishment – which impacts their lives and how they feel daily.

Bottom Line

Homeownership is life-changing, and buying a home can positively impact you in so many ways. With any decision this big, it helps to have a trusted advisor by your side each step of the way. If you’re ready to begin your journey toward homeownership, let’s connect to discuss your options and begin your journey.

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Make Your Dreams Blossom

At BST Realty LLC, we are here to serve you and your real estate needs. We know that sometimes it’s hard to get started on a dream or goal you may have. That’s why we are here. We are here to help guide you through the real estate process and make your dreams blossom into a reality. Whether you’re a first-time home Buyer or an experienced Seller, we can adapt and change to your needs. It’s because we’re experts when it comes to real estate, and we love it when our clients flourish.

Investment and Property Management Services

We also specialize in investment properties as well as property management services. Our motto is that we will treat your property as if it was our own and keep you informed when it comes to the changing landscape of property management. We get that it’s tough to juggle all the things that life has to offer, and that’s why we are here. Think of us as a guiding compass to help get you to where you want to go.

We have a stellar reputation and were voted Best Real Estate Company in the Willamette Valley for 2021 this year. We are grateful for that award. In fact, it only makes us want to try harder and achieve higher levels of excellence to serve as a model for how real estate should be conducted. This also applies to supporting our community. After all, we are a local business, so supporting local is just naturally something we do.

So, if you’re in the market, we’ve got you covered and then some. We may even have some fun along the way. Our agents are experts in the field and will serve you in simply the best ways possible when it comes to achieving your dreams. Let’s get started and make your dreams blossom into what you’ve been waiting for!

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We are Simply the Best, Baby!

We are simply the best for many reasons, but one of them is most definitely our wonderful agents. Our agents are well-versed in how to help their clients reach their real estate goals. Each one of our agents gives a unique point of view and skill set as well. In real estate, agents are known to take their work “home” with them. That means, they are working hard for their clients to make sure nothing falls through the cracks. It also means that family is sometimes integrated into what they are doing, too. In a way, we think of our BST Realty LLC team as family. And, we are simply the best, baby! We are there for each other, and we help cheer one another on when there is a success. When one shines, we all shine!

Simply the Best, Baby!
Erica Rumpca, broker, with her little helper!

Our Awesome Agents

Our agents care about their clients and are fierce negotiators. In a hot market like we are in right now, it’s good to have an agent who knows how to guide you on how to best present your offer as well as connect you with valuable resources to make the most informed decisions. If you’re a Buyer and a bit nervous about making the leap into homeownership, we have agents that can teach you about the real estate process and help you at each step in the journey. If you’re a Seller who has owned a few homes, we also have agents who understand how best to showcase your home to reach the goal you’re wanting to achieve.

Are you an investor? We also have agents experienced in selling rental homes as well as commercial real estate. Not only that, but we also provide property management services. At BST Realty LLC, we’ve got you covered. We are simply the best in real estate. In fact, we just won an award for Gold Best Real Estate Company for Best in the Willamette Valley. Let’s get started on this journey together and make your home dreams a reality!

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5 Things Homebuyers Need To Know When Making an Offer

5 Things Homebuyers Need To Know When Making an Offer | MyKCM

When it comes to buying a house, you’re looking for the perfect place to call home. The problem is, in today’s market there just aren’t that many homes available to purchase. With inventory hovering near record lows and sky-high buyer demand, a multi-offer scenario is the new normal. Here are five things to keep in mind when you’re ready to make an offer.

1. Know Your Numbers

Having a complete understanding of your budget and how much house you can afford is essential. That’s why you should connect with a lender to get pre-approved for a loan early in the homebuying process. Taking this step shows sellers you’re a serious, qualified buyer and can give you a competitive edge in a bidding war.

2. Brace for a Fast Pace

Today’s market is dynamic and fast-paced. According to the Realtors Confidence Index from the National Association of Realtors (NAR), the average home is on the market for just 17 days – that means from start to finish, a house for sale in today’s climate is active for roughly 2.5 weeks. A skilled agent will do everything they can to help you stay on top of every possible opportunity. And, as soon as you find the right home for your needs, that agent will help you draft and submit your best offer as quickly as possible.

3. Lean on a Real Estate Professional

While homebuying may seem like a whirlwind process to you, local real estate agents do this every day, and we know what works. That expertise can be used to give you a significant leg up on your competition. An agent can help you consider what levers you can pull that might be enticing to a seller, like:

  • Offering flexible rent-back options to give the seller more time to move out
  • Your ability to do a quick close or make an offer that’s not contingent on the sale of your current home

It may seem simple, but catering to what a seller may need can help your offer stand out.

4. Make a Strong, but Fair Offer

Let’s face it – we all love a good deal. In the past, offering at or near the asking price was enough to make your offer appealing to sellers. In today’s market, that’s often not the case. According to Lawrence YunChief Economist at NAR:

“For every listing there are 5.1 offers. Half of the homes are being sold above list price.”

In such a competitive market, emotions and prices can run high. Use an agent as your trusted advisor to make a strong, but fair offer based on market value, recent sales, and demand.

5. Be a Flexible Negotiator

If you followed tip #3, you drafted the offer with the seller’s needs in mind. That said, the seller may still counter with their own changes. Be prepared to amend your offer to include flexible move-in dates, a higher price, or minimal contingencies (conditions you set that the seller must meet for the purchase to be finalized). Just remember, there are certain contingencies you don’t want to forego. Freddie Macexplains:

Resist the temptation to waive the inspection contingency, especially in a hot market or if the home is being sold ‘as-is’, which means the seller won’t pay for repairs. Without an inspection contingency, you could be stuck with a contract on a house you can’t afford to fix.”

Bottom Line

When it’s time to make an offer, it’s important to consider not just what you need, but what the seller may need too. Let’s connect so you have expert advice on this step in the homebuying process to put your best offer on the table.

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Meet Angela Lopez

Meet Angela Lopez! Angela is quite simply the best when it comes to real estate. At BST Realty LLC, we are so proud to have her as a part of the team. In fact, Angela is one of our top producing agents and was #1 in sales in 2020. That means she is good at closing deals for her clients. Angela brings her extensive experience in the lending industry along with her impeccable research and negotiation skills to help serve her clients in the best way possible. She loves being able to help her clients get to where they want to be.

Meet Angela Lopez
Angela happily helping clients close on a home!

Journey into Real Estate

Angela has expert knowledge of the lending process with 10 years of experience at a mortgage lending company. While working there, she learned about loan origination, underwriting, processing, and appraisal. This allows her to help her Buyers navigate and understand how loans work and the entire loan process! After the 2008 crash, Angela helped close 25+ offices in multiple states. This is when she realized that a career in real estate may be right for her. A career in real estate afforded her the flexibility to be with her family more and also to help people. And, Angela truly loves helping people.

Angela awarded Top Producer for 2020!

Born Mentor

Angela loves being a resource for people. When it comes to her clients, she loves to be able to help first-time home Buyers better understand the entire process. For example, Angela helps her clients gain a better understanding of the loan process and appraisals. Angela is a born mentor, and she also uses this skill to help new agents at BST Realty LLC get better acquainted with what real estate is about. And, for that, we also appreciate her so much!

When Angela isn’t doing real estate, she’s spending time with her husband and two sons. She especially loves cheering on her sons at soccer, and one of her sons now plays soccer at Western Oregon University! Angela also enjoys photography and takes out her camera when she can to capture the beauty of the Willamette Valley.

Whether you’re a Buyer or a Seller, Angela is a wonderful agent that aims in supporting you at every point in the journey. With her in-depth expertise and proven track record of success in real estate, Angela is a must-call!

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Your Tax Refund and Stimulus Savings May Help You Achieve Homeownership This Year

Your Tax Refund and Stimulus Savings May Help You Achieve Homeownership This Year | MyKCM

If you’re planning to buy a home this year, saving for a down payment is one of the most important steps in the process. One of the best ways to jumpstart your savings is by starting with the help of your tax refund.

Your Tax Refund and Stimulus Savings May Help You Achieve Homeownership This Year | MyKCM

Using data from the Internal Revenue Service (IRS), it’s estimated that Americans can expect an average refund of $2,925 when filing their taxes this year. The map below shows the average anticipated tax refund by state:Thanks to programs from the Federal Housing Authority, Freddie Mac, and Fannie Mae, many first-time buyers can purchase a home with as little as 3% down. In addition, Veterans Affairs Loans allow many veterans to put 0% down. You may have heard the common myth that you need to put 20% down when you buy a home, but thankfully for most homebuyers, a 20% down payment isn’t actually required. It’s important to work with your real estate professional and your lender to understand all of your options.

How can your tax refund help?

If you’re a first-time buyer, your tax refund may cover more of a down payment than you realize.

Your Tax Refund and Stimulus Savings May Help You Achieve Homeownership This Year | MyKCM

If you take into account the median home sale price by state, the map below shows the percentage of a 3% down payment that’s covered by the average anticipated tax refund:The darker the blue, the closer your tax refund gets you to homeownership when you qualify for one of the low down payment programs. Maybe this is the year to plan ahead and put your tax refund toward the down payment on a home.

Not enough money from your tax return? 

A recent paper from the National Bureau of Economic Research found that, of the households that received a stimulus check last year, “One third report that they primarily saved the stimulus money.” If you had the opportunity to save your Economic Impact Payments, you may consider putting that money toward your down payment or closing costs as well. Your trusted real estate professional can also advise you on the down payment assistance programs available in your area.

Bottom Line

Saving for a down payment can seem like a daunting task, but it doesn’t have to be. This year, your tax refund and your stimulus savings could add up big when it comes to reaching your homeownership goals.

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Serving Up Simply the Best

Spring is in the air! At BST Realty LLC, we are here to serve up simply the best service to our clients. We help first-time home Buyers who are wondering how to make the first steps. And, we are there for sellers who may have owned a few homes and want to make the most out of the equity they have built up. Within the last year, it has been a bit of a doozy. However, at BST Realty LLC we have been thriving. Our sales have nearly doubled within the last couple of years. We have learned to adapt and change with the times, and that means we are also helping our clients flourish. It means a lot to us to help our clients get to where they want to be. With spring in full swing, there are many possibilities in the air this springtime!

Let’s explore all the potential of your home dreams together!

We love helping Buyers get the home they have been dreaming about with their family. We have experienced agents that are ready to educate and support you every step of the journey. Whether it be not knowing how to find a lender or what day to make sure your earnest money is in, we are here to champion you throughout the process. The same goes for Sellers. Our seasoned agents will help you get what you want. We have skilled negotiators on our team to help at each part of the journey.

If you’re finding yourself getting the itch to make the move, let’s talk. With springtime getting ready to be in full swing, it’s the perfect time to explore. It’s also a great time to plan out a strategy that will get you and your family what you truly want in a home. At BST Realty LLC, we are here to listen and support you, so let’s begin this journey together! Let’s figure out the best home path for you!

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Home Inspection Expectations!

Know What to Expect at Your Home Inspection

Know What to Expect at Your Home Inspection | MyKCM

So you made an offer and it was accepted. Now, your next task is to have the home inspected prior to closing. Agents oftentimes make your offer contingent on a clean home inspection.

This contingency allows you to renegotiate the price you paid for the home, ask the sellers to cover repairs, or in some cases, to walk away. Your agent can advise you on the best course of action once the report is filed.

How to Choose an Inspector

Your agent will most likely have a short list of inspectors that they have worked with in the past that they can recommend to you. HGTVrecommends that you consider the following five areas when choosing the right home inspector for you:

1. Qualifications – find out what’s included in your inspection and if the age or location of your home may warrant specific certifications or specialties.

2. Sample Reports – ask for a sample inspection report so you can review how thoroughly they will be inspecting your dream home. In most cases, the more detailed the report, the better.

3. References – do your homework – ask for phone numbers and names of past clients who you can call to ask about their experiences.

4. Memberships – Not all inspectors belong to a national or state association of home inspectors, and membership in one of these groups should not be the only way to evaluate your choice. Membership in one of these organizations often means that continued training and education are provided.

5. Errors & Omission Insurance – Find out what the liability of the inspector or inspection company is once the inspection is over. The inspector is only human, after all, and it is possible that they might have missed something they should have seen.

Ask your inspector if it’s okay for you to tag along during the inspection. That way they can point out anything that should be addressed or fixed.

Don’t be surprised to see your inspector climbing on the roof or crawling around in the attic and on the floors. The job of the inspector is to protect your investment and find any issues with the home, including but not limited to: the roof, plumbing, electrical components, appliances, heating & air conditioning systems, ventilation, windows, the fireplace and chimney, the foundation, and so much more!

Bottom Line

They say, ‘ignorance is bliss,’ but not when investing your hard-earned money into a home of your own. Work with a professional who you can trust to give you the most information possible about your new home so that you can make the most educated decision about your purchase.

We have worked with many trusted home inspectors and can get you connected with the right inspector for you! Visit our Buyer Information Page to see important tips while shopping for and buying a home! Click the link below!

Buyer Information Page

Licensed Broker in The State of Oregon
Silverton Office 503-874-4666
Woodburn Branch Office 503-446-5411
Keizer Branch Office 971-339-5244

 

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Tips on making a competitive offer!

4 Tips for Making a Competitive Offer

4 Tips for Making a Competitive Offer | MyKCM

So, you’ve been searching for that perfect house to call ‘home,’ and you’ve finally found it! The price is right, and in such a competitive market, you want to make sure you make a good offer so that you can guarantee that your dream of making this house yours comes true!

Below are 4 steps provided by Freddie Mac to help buyers make offers, along with some additional information for your consideration:

1. Determine Your Price

“You’ve found the perfect home and you’re ready to buy. Now what? Your real estate agent will be by your side, helping you determine an offer price that is fair.”

Based on your agent’s experience and key considerations (like similar homes recently sold in the same neighborhood or the condition of the house and what you can afford), your agent will help you to determine the offer that you are going to present.

Getting pre-approved will not only show home-sellers that you are serious about buying, but it will also allow you to make your offer with confidence because you’ll know that you have already been approved for a mortgage in that amount.

2. Submit an Offer

“Once you’ve determined your price, your agent will draw up an offer, or purchase agreement, to submit to the seller’s real estate agent. This offer will include the purchase price and terms and conditions of the purchase.”

Talk with your agent to find out if there are any ways in which you can make your offer stand out in this competitive market! A licensed real estate agent who is active in the neighborhoods you are considering will be instrumental in helping you put in a solid offer.

3. Negotiate the Offer

“Oftentimes, the seller will counter the offer, typically asking for a higher purchase price or to adjust the closing date. In these cases, the seller’s agent will submit a counteroffer to your agent, detailing their desired changes, at this time, you can either accept the offer or decide if you want to counter.

Each time changes are made through a counteroffer, you or the seller have the option to accept, reject or counter it again. The contract is considered final when both parties sign the written offer.”

If your offer is approved, Freddie Mac urges you to “always get an independent home inspection, so you know the true condition of the home.” If the inspector uncovers undisclosed problems or issues, you can discuss any repairs that may need to be made with the seller or even cancel the contract altogether.

4. Act Fast

The inventory of homes listed for sale has remained well below the 6-month supply that is needed for a ‘normal’ market. Buyer demand has continued to outpace the supply of homes for sale, causing buyers to compete with each other for their dream homes.

Make sure that as soon as you decide that you want to make an offer, you work with your agent to present it as quickly as possible.

Bottom Line

Whether buying your first home or your fifth, having a local real estate professional who is an expert in his or her market on your side is your best bet in making sure the process goes smoothly. Let’s talk about how we can make your dream of homeownership a reality!

We have know all the tools you can use to make your offer accepted! Click the link below to get in touch with one of our agents today!

BST Agents!!

 

Licensed Broker in The State of Oregon
Silverton Office 503-874-4666
Woodburn Branch Office 503-446-5411
Keizer Branch Office 971-339-5244

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