THE REAL ESTATE MARKET has entered a more challenging environment for both buyers and sellers. The average long-term mortgage rate jumped at the beginning of October to its highest level in nearly three years to 7.59%. A year ago, the average rate was 6.34%. It is the sixth […]
OREGON’S NEW housing laws are changing how certain residential projects are reviewed and approved throughout the state. House Bill 4037 and Senate Bill 974 are intended to increase housing production by creating more predictable approval processes, establishing government review timelines and limiting some local requirements. […]
SOUTHERN OREGON’S fire-prone environment raises questions about the role of flammable plants in spreading wildfires. Examples of highly-flammable plants include ornamental juniper, Leyland cypress, Italian cypress, rosemary, arborvitae, eucalyptus, and some ornamental grasses. Care should be taken to not place highly flammable plants adjacent to […]
WILDFIRE SAFETY has become an increasingly important consideration for homeowners across Oregon, especially in Southern Oregon where dry summers, steep terrain, and large areas of forest create elevated fire risk. While homeowners cannot control the weather, they can take meaningful steps to reduce the likelihood […]
AS WE REACH the midpoint of 2026, Southern Oregon’s real estate market has continued its transition toward a more balanced environment. Following several years of rapid appreciation, limited inventory, and strong competition, the first half of 2026 has brought a slower market yet greater stability […]
SOUTHERN OREGON’S RENTAL MARKET has been undergoing a transition. After several years of rapid rent growth and historically low vacancy rates following the COVID housing surge, landlords across Jackson County are now facing a much different environment. Rents are leveling out, vacancies are lasting longer, […]
IN 2025, the Oregon Legislature passed Oregon House Bill 3940, a major funding measure designed to stabilize wildfire prevention, response, and recovery efforts statewide. For rural property owners in Southern Oregon, the bill has real implications.
While HB 3940 does not directly raise property tax rates, it changes how […]
OREGON CONTINUES to face a housing shortage, and politicians are increasingly focused on policies that can help communities create more housing opportunities. One of the most recent efforts is HB 4035, passed during the 2026 legislative session. The measure modifies earlier housing legislation and expands tools available to […]
FLOODING IS one of the most common and expensive natural hazards in Oregon. Rivers, coastal areas, and even seasonal drainages can place properties at risk. For property owners, understanding floodplain insurance requirements is essential; especially when a property is located within a mapped floodplain.
A floodplain is an area […]
WHEN SELLING a home, first impressions are everything. Buyers often form an opinion within seconds of stepping through the front door, or even before, based on online photos. Home staging is the process of preparing and presenting a property to appeal to the widest possible pool of buyers. […]
EUROPE IS FAMOUS for its rich history, its architecture, as well as its beautiful squares, inviting cafes, cathedrals and statues. I recently returned from an extended trip to Spain, where their central plazas and public squares play a vital role as they are typically the […]
JACKSONVILLE’S DOWNTOWN is special because it feels alive. People stroll along California Street and see shops, cafés, and restaurants through big windows. The historic buildings are charming, but what makes them vibrant is what’s happening at street level.
The City already protects its historic architecture through zoning rules, design […]
JACKSONVILLE HAS BEEN BUSY in 2025 updating its land use rules and city codes. These changes affect how people build, remodel, and plan for the future. Some updates deal with safety, like floodplains and wildfire risk. Others prepare the city for long-term growth through boundary planning and housing […]
OREGON’S SHORTAGE of available homes, especially affordable homes, results from decades of building too little housing, which has led to a multitude of problems: a growing homeless population, unaffordable rents and Oregon median home prices over $500,000.
According to the Oregon Department of Administrative Services, the state needs about […]
THE PROTECTION of historic buildings is important to save history for future generations. Experiencing a space where history happened is crucial for fostering the shared connection that builds a stronger community.
Jacksonville is one of the best-preserved historic towns on the West Coast, designated as a National Historic Landmark […]
AS MORE BUYERS consider rural properties for privacy and a slower pace of life, some encounter a common but unfamiliar feature: the private well. Unlike municipal water systems, private wells are managed by the homeowner—and that means buyers need to be proactive when it comes to understanding water […]
EVEN BEFORE THE CALIFORNIA WILDFIRES last January, more homeowners were having difficulty finding insurance or facing extremely high costs. Homeowners across the country have been receiving non-renewal notices from their insurers, sending them scrambling to find new policies, usually at a much higher premium.
In Oregon, […]
Editor’s Note: At press time Oregon Legislature has passed SB 83.
AS OF THE WRITING OF THIS ARTICLE, a bill intended to repeal Oregon’s controversial Wildfire Hazard Map and related property regulations was unanimously voted by the Senate Committee on Natural Resources and Wildfire to eliminate the Map and […]
OREGON’S HOUSING production is not keeping pace with demand. This lack of housing is impacting affordability. As affordability becomes more problematic, people drive longer distances between a home that is affordable and where they work, or double up to share space, both of which reduces quality of life […]
SENATE BILL 762 made extensive changes to the Oregon wildfire policy, affecting how the state responds to wildfires and potentially requiring property owners make modifications to their property in order to lower their wildfire risk.
In 2022, in response to Senate Bill 762, the Oregon Department of Forestry (ODF) […]
HOME WARRANTIES and home insurance are two distinct types of coverage that protect homeowners from financial loss, but they serve different purposes. While both offer valuable protection, understanding their differences is important.
A home warranty covers the repair or replacement of major home systems and appliances when they break […]
BUYING A HOME is a significant investment and the process of purchasing a home is filled with both stress and excitement. Once you enter into escrow on your dream home, it’s easy to focus on the more visible aspects such as the layout, location, and overall aesthetics. […]
LIVING IN THE COUNTRY is a dream for many. If you have not purchased or lived on rural property, there are many unique considerations to be aware of. When buying in a city or town, it is generally easier to determine allowed uses of the property, boundaries, and […]
TREES IN JACKSONVILLE are protected after reaching a certain size; these trees are considered “Resource” trees, defined as any tree with a circumference equal to or greater than 12 inches diameter at breast height. There are also protection standards for multi-stem trees and the topping of any live […]
BUYING A HOME is one of the largest financial transactions most people will undertake. As I explained in last month’s article, the National Association of Realtors (NAR) reached a settlement agreement in March which took effect August 17, 2024, and will impact anyone buying or selling a home.
The […]
THE RECENT NAR SETTLEMENT has been a hot topic in the media, triggering discussions about potential changes in the real estate market. Considerable misinformation has been reported, which has created confusion over what will happen in the real estate industry.
In this article, I will go over the two […]
THERE ARE FEW HOMEOWNERS that would be willing to purchase a home without homeowner’s insurance. However, there is a growing number of homeowners in Oregon who are facing higher annual premiums or have had their policies canceled when they came up for renewal, with some insurers no longer […]
SELLER FINANCING can be a useful tool when mortgage loans are difficult to qualify for or when interest rates are high. This alternative type of loan may help sellers move their home faster and get a considerable return. Buyers can benefit with typically less rigid qualifying requirements, sometimes […]
JUST ABOUT ANYONE will tell you that there is not enough housing in Oregon, which drives up the price of everything. Oregon’s Governor Tina Kotek has said addressing that problem is a big priority for her, and now, the Oregon Legislature is delivering.
In January 2023, Governor Kotek issued […]
WHETHER YOU’RE THINKING OF SELLING in the next six months or a few years down the road, remodeling with return on your investment in mind is a smart financial move. Few investments recoup more than 100% of their cost, but collectively, there are several inexpensive home improvements that […]
OREGON’S WORK TO ADDRESS CLIMATE CONCERNS has been in progress for over a decade, starting with the establishment of greenhouse gas emissions reduction targets by the legislature in 2007. In the State of Oregon, the primary source of greenhouse gas emissions is from transportation. To help reduce greenhouse […]
By now, everyone knows that the demand for housing has been in a slump as homebuyers wait, hoping the market will become more affordable. Home prices are still near all-time highs, and recently the average 30-year fixed mortgage rate hit a 23-year high. Despite this, there are […]
Buying a new home is exciting, but also one of the biggest investments a person will make. While some costs like property taxes, insurance and maintenance are often considered by many home buyers, there are other costs that should be considered. And it’s important to consider how some […]
As homebuyers adjust to mortgage rates that have climbed to their highest level in more than two decades, it has led to some real transitions in the housing market. Home affordability has emerged as a major issue due to low inventory and increased borrowing costs. Although average home […]
In fall 2022, I was contacted by a property owner whose property had not sold with another agent and he wanted to relist the property in Jacksonville with me. I sell a lot of property in Jacksonville so did not find this request unusual, but thought it was […]
Purchasing a property is one of the biggest purchases most people will ever make, and your real estate agent is essential to making it happen. But it takes a team of professionals who work with your real estate agent, and a good Realtor will have an established team […]
I previously helped clients with the purchase of their first home. As a part of the due diligence process, I went into the planning department to inquire about permits on the property and any long-range plans for the area. I was told that the vacant lots next to […]
After you have entered escrow, you will receive a “preliminary title report” from the title company. Most of you are probably wondering: What is this, and why do I need it? The title report is the title company’s agreement to issue a title insurance policy for the property […]
If you are in the market to buy a home, a home appraisal is likely going to be an important part of the process, especially if you are getting a loan. An appraisal is a process where a licensed real estate appraiser determines what they believe to be […]
Purchasing a home or a piece of land may be one of the biggest decisions you’ll ever make. Knowing what land uses are allowed (and those that are not) is one of the most important things to do as part of your due diligence prior to purchasing the […]
That’s the question on everyone’s minds lately, as a recent decline in mortgage rates has convinced some buyers to start looking again. But there are a few other factors that may keep buyers out of the market.
Redfin recently stated that mortgage applications are up 28% from early November. […]
If you have looked at the news recently, forecasts for the real estate market suggest that things could be very different in 2023 compared to what we became used to the past several years. The biggest change has to do with the overall pace of the real estate […]
Whether you’ve found the perfect home or are still in the early stages of the home buying process, it’s important for you to know that the down payment will not be your only out-of-pocket cost. Knowing what expenses to expect can help you plan accordingly.
Closing costs are fees […]
Although sales of existing homes in Jackson County only fell 1.8% overall for the year (per the Rogue Valley Association of Realtors), inventory of all homes on the market increased about 60% from this time last year and pending sales for the year have decreased by 5%—so it […]
In last month’s Jacksonville Review, I wrote about Senate Bill 762, which makes extensive changes to Oregon wildfire policy, affecting how the state responds to wildfires and potentially requiring property owners make modifications to their property in order to lower their wildfire risk. The draft Wildfire Risk Maps […]
One of the most important bills passed by the 2021 Oregon legislature was Senate Bill 762, which makes extensive changes to Oregon wildfire policy, affecting how the state responds to wildfires and potentially requiring property owners make modifications to their property to lower their wildfire risk.
Unlike before, where […]
Recent data shows home sales have slowed as higher mortgage rates and still-rising home prices have made purchasing a home no longer attainable for some buyers. All eyes are now on indicators of supply and demand to see whether those conditions will last. Several data points can help […]
Your credit score determines a lot more than the loans you can get and the interest rate you pay. Landlords use credit scores to decide who they will rent to. Insurers use them to set premiums for auto and homeowners’ coverage. Credit scores determine who gets the best […]
U.S. home prices hit an all-time high in 2021, but those price increases are expected to slow in 2022 due to a number of economic factors. One of the biggest factors is how rising interest rates will impact the housing market. This used to be a pretty easy […]
Since 1991, Transportation Planning Rules have set transportation planning requirements for all Oregon cities and counties. It has become clear over the last decade that Oregon’s existing rules are not sufficient to meet Greenhouse Gas Reduction Targets.
On March 10, 2020, Governor Kate Brown issued Executive Order 20-04, directing […]