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Judy Kivela
Broker/Owner
    Years of Experience: 27

    CRS: Certified Residential Specialist
    GRI: Graduate REALTOR® Institute
    CDPE Certified Distress Property Expert, SRS
    WHS: Workforce Housing Specialist

Direct: (406) 491-5777

Office: 406-491-5777



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Kivela Montana Realtors
3100 Harrison Avenue
Butte, Montana
406-491-5777


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Archive for October 2009

3 Reasons to Have Your Butte Home Built With Sustainable Design

Saturday, October 10th, 2009

Some potential homeowners just don’t want a pre-lived in Butte home. They’d rather have their house built to their own specifications. They want a home that fits their needs exactly. If this is you, I understand and would like to help by giving you a glimpse into the future of home design.

The Future of Design

Thinking of the future might bring ideas of fantastic scientific miracles like smart houses that vacuum themselves. While building your Butte home and having it wired as a smart home may be a good idea, think, also, about sustainable design. Here are just a few reasons why sustainable design is a great idea:

1. Government mandates and incentives – Under the current administration, sustainable design is a big thing. In fact, many cities are passing mandates and offering incentives that encourage green building. In places such as Austin, Houston, Seattle and Portland, sustainable design is no longer a trend; it’s standard practice. Before having your home built, check into the homeowners’ incentives for green building.

2. Cost of sustainable design – While sustainable design may be a little more costly than standard home building, don’t just assume that it is. Check with green building contractors as well as standard contractors and compare pricing. Also, keep in mind that the cost of the design is well repaid down the line. As well, remember that it may be easier and cheaper to build a sustainable home, rather than remodel one to be green later.

3. Resale value – Although you may not ever want to move from your home once it’s built, you never know what will happen in the future. A sustainable design can up the resale value of the home by as much as 15%.

Between the government incentives, the cost savings and the resale value, your Butte home and sustainable design may end up being the best investment you ever made!

If you’re looking for a green home or a contractor to build one, I can help. Call me at 406-491-1234 or email me judy@judykivela for more information.

Links:

Incentives for green building

http://www.greenhomeguide.org/resources/incentives.html

Cost of sustainable design

http://www.concretenetwork.com/concrete/greenbuildinginformation/do_sustainable.html

Remodel one to be green

http://www.cityofseattle.net/dpd/GreenBuilding/SingleFamilyResidential/Resources/RemodelingGuides/default.asp

Is Your Home For Sale in Butte Perfect for Men?

Thursday, October 8th, 2009

There’s a group of individuals constantly overlooked when someone has a home for sale in Butte.  It’s not just newlyweds, families and women looking for homes. Men are on the lookout, too. So what are they looking for? Here are a few points on the list:

  • Location, location, location – Most men want a place close to their job. No long commutes, no hours on the highway. In fact, it’s one of their biggest considerations when choosing a home.
  • The Man Cave – Is your home for sale in Butte set up with a man cave? Many men dream of having an extra room that can be converted into a place for recreation and entertainment. If you already have a man cave, you’re ahead of the competition!
  • Surrounding area – In a fun survey, Sperling’s BestPlaces examined America’s cities and marketing trends to find the “Top 50 Manliest Cities” in the U.S. Believe it or not, Nashville took the top place as the Mecca of manliness. Why? A few reasons:
    • High number of NASCAR fans
    • High number of BBQ restaurants
    • Popularity of hunting and fishing

What other things did Sperling’s look at to decide “manliness?”

  • Major league sports teams in a city, nearby NASCAR events, monster truck events and local drag racing strips, among other sports venues
  • Memberships in motorcycle owner groups, bowling, hunting, woodworking, DIY home improvement
  • Number of manly retail stores, such as steak houses, sports bars, general hardware stores, sportsman stores, etc.
  • Percentage of houses subscribing to manly magazines

So what does all this mean to you? If you have a home for sale in [city] with manly decor as well as surrounding attractions, you have a match made in heaven for the busy bachelor. Okay, so women like monster truck events, motorcycles and DIY, too. And, okay, so the survey is a little silly. However, if you’re trying to sell that house and are having no luck, it’s definitely something to think about.

If you’re trying to sell your home, I can help. Call me at 406-491-1234 or email me for more information.

Links:

Man cave:  http://www.mancavesite.org/

Sperling’s BestPlaces:  http://www.bestplaces.net/

Manly décor:  http://interiordec.about.com/od/guydecor/a/guysroomF.htm

How Can You Get Incentive Money, If You’re Not Selling Your Butte Real Estate?

Tuesday, October 6th, 2009

Not everybody is dealing with the worry of buying or selling

Butte  real estate. Some are quite happy where they are, have no intention of moving, and selling is the last thing on their minds.

However, there are a lot of incentives out there to do something in Butte real estate, and many are itching to dip into those incentives. So, if you’re not selling or buying, what can you do? Here are a few ideas:

Upgrades

Upgrades are something you can do to your home at any time. However, with the many government incentives out there, you can upgrade your home to be more energy efficient for less. For example, thanks to federal tax credits, you can install solar panels or a geothermal heat pump and get 30% back once you file your federal taxes.

Instead of just jumping in on upgrades, it’s best to start with an energy audit. An energy audit will tell you where your problem areas are in order of priority, as well as what incentives and credits are available to help you compensate for the cost.

In addition to getting you incentives and credits, these upgrades will raise the resale value of your home.  They’ll also lower your utility bills – sometimes by as much as 70%, depending on the size of the problems and the upgrades you make.

Remodeling

If you’ve always wanted to remodel, now is a great time to do it. Contractors and remodelers aren’t as busy as they have been. For you, this means the chance to save money. Bargains are available on materials, labor costs and overall remodeling costs. Be aware that there are some shady companies, so make sure you investigate before signing a contract with anyone.

Refinancing

Although refinancing isn’t the best thing to do for everyone, it’s something to look into if you’re struggling with mortgage payments. Talk to your lender and see what your choices are. If you can get better financing than you currently have, this may be a great option for you!

Just because you aren’t selling your Butte  real estate doesn’t mean you can’t take advantage of the down market. Look around, investigate, and see what options you have open as a homeowner to increase the property value or get the best out of the home you do have.

If you’re looking for the best upgrades and remodels to increase your home’s resale value, I can help. Call me at 406-491-1234 or email me for more information.

Links:

Energy audit:  http://www.energysavers.gov/your_home/energy_audits/index.cfm/mytopic=11160

Remodelers:  http://www.nari.org/

Refinancing:  link to any pages on your own website about refinancing or mortgage providers your recommend or link to http://www.refinancingright.com/

Horror Stories to Avoid When Buying a House in Butte

Sunday, October 4th, 2009

Everybody has a horror story of some kind, when talking about Butte real estate. There are just some things most people don’t think about when searching for property to buy or sell, whether you’re the buyer, the seller or even, yes, the agent.

Exhibit A

Sheryl (name changed to protect the innocent) is exhibit A. Now, she thought she’d bought a nice house at a good price. Everything seemed to be perfect. The one place that Sheryl went wrong was forgetting to do a home inspection on that beautiful piece of Butte real estate.

After a pleasant day of moving in, she went to take a shower. Turning on the faucet, she noticed the water pressure wasn’t what it should be. Ignoring the indications of worse yet to come, she flipped from faucet to shower. Only a few lonely, sad drips came from the showerhead. To compound the issue, she discovered that the washer didn’t have enough pressure to get her clothes clean, washing dishes was an exercise in futility and if a hose was turned on in the garden the second story toilet wouldn’t flush.

After much ado, many phone calls and two plumbers, Sheryl found that the beautiful tree in the front yard that had sealed the deal had also burst the pipes. She now had to pay to have the tree removed (it couldn’t be saved), as well as the pipe dug up and replaced. In addition, she owed the water company for all the water lost through the break.

The moral: Don’t skimp on the details just because you’re under pressure.

Exhibit B

Bob, a real estate agent (again, name changed), still loves open houses. They’re a big deal for him and he makes plenty of contacts that way. However, even Bob, who has been in the industry for years, forgot to do a last walk through before a certain open house started. Unfortunately, he and the potential buyers found an unpleasant surprise in the upstairs bathroom, deposited thoughtfully by the current owner. In trying to take care of the surprise, he found the toilet was blocked and the bathroom fan didn’t work. Needless to say, the potential buyers didn’t stick around to tour the rest of the house.

The moral: A short walk-through can save a lot of embarrassment.

With any Butte real estate, there’s always the chance that you’ll miss something. A homebuyer’s checklist or home seller’s checklist is a great way to make sure you don’t. If you do, try to take what comes with a grain of salt, a lot of patience and as much of a smile as you can muster.

If you’re trying to find a great home without the horror, I can help. Call me at 406-491-1234 or email me for more information.

Links:

Water pressure

http://www.hometips.com/repair-fix/low-water-pressure-problems.html

Open houses

http://homebuying.about.com/od/sellingahouse/qt/OpenHouse.htm

Homebuyer’s checklist:  If you have your own homebuyer’s checklist link, to it.  Or create one (or have your Virtual Assistant create one) that you can give away in exchange for people giving you their name and email address.  If you don’t have one, you can use this link instead:

http://www.doghousetodollhouse.com/Home_Buyer_Checklist.htm

Foreclosures in Butte: Title Searches and Title Insurance

Friday, October 2nd, 2009

When you’re looking to buy a home, and especially when you’re looking at foreclosures in Butte or anywhere else, title searches are important.

Many buyers make the mistake of settling for a quitclaim deed without doing a title search. Unfortunately, the person who signs the quitclaim deed may not be the actual person holding the title. If there are any liens on the title, the new owner may get an unpleasant surprise at closing. With foreclosures in Butte, the possibility that there is a lien on the title is even greater.

What is a title search?

Title searches are performed by title companies or lawyers. These companies and attorneys search the public records for information on the property’s ownership. The goal is to find out if there are any problems with the title.

What kind of information can a title search give you?

A complete title search will cover such things as:

  • How many mortgages the property has
  • Any liens, such as judgments or mortgages, on the property
  • Taxes owed on the property

The purpose, other than finding current information, is to establish chain-of-title – who owned the property at what time, who they sold it to and so on. Title companies look for proof that any encumbrances have been taken care of, as well as easements, rights-of-way and anything else that can affect the title.

Why get title insurance?

Most title companies also offer title insurance. Title insurance, depending on the company, provides a guarantee that the title is clear, as well as insuring that you can’t be held accountable for forgery, fraud, defective records or incorrect signatures that occurred before you received the title. It also guarantees that there is no encumbrance or judgment on the property.

Foreclosures in Butte  are a good bet for a great home or investment property. However, make sure you know what you’re getting by having a title search done. As well, spend the money on that one-time fee for title insurance. It may be the best investment you’ve ever made!

Thinking of buying a home?  Let me guide you easily through the entire process, from negotiating the price to having a title search performed to signing your closing papers.  Call me today at 406-491-1234 or email me.

Links:

Quitclaim deed:  http://real-estate.lawyers.com/Quitclaim-Deed-Overview.html

Chain of title:  http://definitions.uslegal.com/c/chain-of-title/

Title insurance: http://www.mtgprofessor.com/A%20-%20Title%20Insurance/Questions%20About%20Title%20Insurance.htm

Market Recap

  • Avg. Sales Price: $112,128

  • Avg. Days on Market: 151

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