Lauren Goché https://laurengoche.com Real Estate Agent in Portland, Oregon, with Think Realty Fri, 07 Feb 2020 20:52:43 +0000 en-US hourly 1 https://wordpress.org/?v=5.3.2 https://laurengoche.com/wp-content/uploads/2015/09/cropped-Lauren-Goche_Web-Favicon-32x32.png Lauren Goché https://laurengoche.com 32 32 79676183 Rad Portsmouth Contemporary https://laurengoche.com/rad-portsmouth-contemporary/ Fri, 07 Feb 2020 20:52:43 +0000 https://laurengoche.com/?p=23138 $400,000 7812 N Clarendon Ave. Portland, OR 97203 Open House: Sat. 2/8, 1-3pm Sun. 2/9, 1-3pm So. Stinkin’. Cute. Inside and out, this bright and cheery 2 story contemporary home has plenty of personality and an amaaazing layout. Large windows let in loads of light, there’s new flooring throughout, and a smart open floor plan […]

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$400,000

7812 N Clarendon Ave. Portland, OR 97203

Open House:
Sat. 2/8, 1-3pm
Sun. 2/9, 1-3pm

Click to view slideshow.

So. Stinkin’. Cute. Inside and out, this bright and cheery 2 story contemporary home has plenty of personality and an amaaazing layout. Large windows let in loads of light, there’s new flooring throughout, and a smart open floor plan includes living room with cozy gas fireplace. All three bedrooms are on the upper level. The spacious kitchen with fun eating counter overlooks a cute dining space, which leads out to the awesome backyard: large, fully fenced, private – there’s so much potential for gardening dreams and leisure out there. Not often seen in this neighborhood, an oversized 2-car garage hides a little secret – a badass bonus room that’s heated, wired for Internet, and hella insulated…so it would be just as happy to be a recording studio as it would an office space! Tucked back from the main thoroughfare of Lombard St. on a sweet suburban street, the location is super close to New Seasons, and ideal for commuting, access to shops, restaurants, and downtown St. Johns. Embrace the leafy, idilic neighborhood vibes of North Portland!

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Your First House Isn’t Your Forever House https://laurengoche.com/your-first-house-isnt-your-forever-house/ Fri, 24 Jan 2020 22:35:24 +0000 http://laurengoche.com/?p=22300 There’s a good reason why it’s called a “starter home”. It is because your first house isn’t your forever house. It allows you to learn and make mistakes, and realize that life changes. You change. Your city changes, your needs change.  And that is probably why, statistically, people nowadays stay in these “starter homes” for […]

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There’s a good reason why it’s called a “starter home”. It is because your first house isn’t your forever house. It allows you to learn and make mistakes, and realize that life changes. You change. Your city changes, your needs change. 

And that is probably why, statistically, people nowadays stay in these “starter homes” for roughly 5-10 years.

Our parents’ and grandparents’ generations lived in their homes for an average of 30-50 years. Now, jobs change faster, and way more often than they used to, there are international opportunities that families relocate for, there are accommodations made for parents’ aging in place – there are just so many variables leading towards not owning your first home for decades.

So, you might have to make some compromises on your first home.

And this is why it’s important you choose your realtor with care – I’m gonna encourage you to stare deep inside that crystal ball in anticipation of how your priorities may change when it comes to first home -vs- forever home.

For instance, I have seen all of these scenarios play out in real life:

  • You purchased a home based on commute – guess what? You got a surprise dream job! New commute!
  • A family member falls ill and you need to move closer to them, or travel to them daily.
  • Dad broke his hip, and needs in-home care. In your home care, that is.
  • You never wanted kids…until you did. When I was a baby I slept in a tiny dresser drawer on a boat, but eventually kids kinda outgrow dresser drawers and need their own space.
  • “I don’t have a dog, why do I need a backyard?” Uh oh, you fell in love with Charles, an energetic 100 pound mutt, up for rescue that you saw on Instagram…. and you don’t have a backyard.
  • You’ve never minded renting an apartment on a busy street, why would you mind owning a house on one (despite my firmly telling you “NO!”), and yeah, now it’s a big deal ‘cos you have kids and your partner is working night shift and can’t sleep through all the fucking traffic noises.
  • When you were a renter, layout didn’t really matter so much, so you thought it wouldn’t matter in the home you bought. Now, it really, really does.
  • You thought one bathroom would be fine, but then you met the love of your life and DEAR GOD do you not want to be pooping in the same bathroom as them for the rest of your life.
  • You love the cold, dark Portland winters…then accidentally fell in love with every plant that ever lived and suddenly there’s not enough natural light for all your plant babies.
  • You thought that a kitchen wasn’t that important, and then you took a cooking class in Vietnam and now you need a kitchen big enough to display that giant sticky rice steamer.
  • You fell in love with the cutest little 1912 Portland bungalow, but dear god, now all you want is the sweet, sweet expansive closet space that a ranch style house provides.

And so on, and so forth. You’re never gonna completely find perfection on your first home, and that’s okay.

After 5 or 10 years, you’ll have a really clear idea of where your priorities lie for your next/forever home. and then you’re gonna take all that experience and knowledge, and move on to your next house and and just fucking nail it.

Baby me, tucked away in a drawer on a boat

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Want to Buy a Home in Portland? Here’s How to Get a Mortgage If You’re Self-Employed https://laurengoche.com/want-to-buy-a-home-in-portland-heres-how-to-get-a-mortgage-if-youre-self-employed/ Mon, 30 Dec 2019 12:00:29 +0000 http://laurengoche.com/?p=22450 Buying a home as a self-employed professional can be a bit of a tricky combination for some. Let me start with a lil story: I was recently chatting with a dear friend here in Portland when she casually mentioned that she was on the verge of quitting her job and starting up an amazing small […]

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Buying a home as a self-employed professional can be a bit of a tricky combination for some.

Let me start with a lil story: I was recently chatting with a dear friend here in Portland when she casually mentioned that she was on the verge of quitting her job and starting up an amazing small business… and then she wanted to buy a house in Portland a month or two after that.

*record scratch*

I admittedly kinda freaked out on her. “If you quit your job and start a business, you won’t be able to get a home loan as a self-employed professional for a minimum of two years – but more likely, five – years. If you try to get a mortgage while you’re self-employed… You’d be screwed.”

My friend’s jaw dropped. “Wtf should I do, then?”

You buy a house in Portland right the fuck now, honey. You literally lose your opportunity to be a homeowner this year if you quit and strike out on your own. Suck it up for a few more months, and let’s find your home, NOW.”

As you can tell, I have opinions about how to go about being a business owner or an independent contractor and purchasing a house. I work with self-employed people all the time, and as a real estate agent, I’m self-employed myself! To be honest, working for myself has been the best decision I ever made. The freedom and creativity that being an entrepreneur allows is unparalleled. That being said, running your own business can have serious drawbacks, and buying a home as a self-employed person is one of them. But it is absolutely doable!

Step 1: Talk to your tax person

Buying a home while self-employed takes careful planning, some foresight, and a smart tax person. You gotta have that taxable income! And a fair amount of it.

If you haven’t filed your taxes for a few years or are behind on paying them, that is a whole other can of worms. Believe me, a bank won’t give you a self-employed person a home loan without you having paid your taxes.

Step 2: Talk to a lender

You usually need an average of at least two years of taxable income before a lender will even consider giving you a loan to buy a home. And this is why I freaked out at my friend when she was going to quit her job before she bought her first house.

We all know that those first few years of starting a business can be brutal. And even if you kill it that first year and rake in money, you still don’t have the two years of self-employed tax history that lenders insist on.

Step 3: Don’t write everything off

Your lender is going to be looking at TAXABLE income when they are qualifying you for a loan. The more you write off as expenses, the less your taxable income is. The problem is, when you become your own boss, you’re trying real hard to get every write-off possible, in order to lessen your tax liability. As a result, your income will seem very, very low. And when you’re trying to impress your lender with how much you’re earning, you need the opposite to happen. You need your adjusted gross income to be nice and high! See what Jen Leon,  one of my preferred lenders here in Portland, has to say on this:

“Love my self-employed clients, but I don’t love when they write off every donut purchase at Starbucks.”

Step 4: Pay your taxes

The only thing guaranteed is death and taxes, right? Well, the taxes part is definitely essential in getting a loan to buy a home! Every damned time you get paid for a job or by a client, set aside a percentage that you and your tax person have agreed on so when tax time comes around, you’re prepared!

And if you are behind in your taxes, set up a payment plan with the IRS. Because in a lot of cases, if you’ve jumped through all the other hoops, you can still buy a house if you owe, as long as you are currently on a payment plan! Here’s a lil secret: that is how I bought my first house!

Jen, again:

“The best way to know if you have viable income is to have a lender review your tax returns and assess where income can be bolstered up and used to qualify for a home loan. This is ESPECIALLY critical before YOU FILE your tax returns to the IRS in a new year! This way, the tax return can be modified and adjusted before the IRS gets it. It may require you pay more in taxes, but it can also mean homeownership.”

Do’s + Don’ts:

1. Hold off on any major purchases, like that new sofa, or trip to Costa Rica. Those can wait.

2. Talk with your lender and/or tax person/accountant BEFORE filing taxes for the year.

3. Advice from seasoned professionals is usually FREE. Don’t be afraid to check in with everyone for the best course of action.

Got questions? Reach out and I’ll talk you through it, and if it’s beyond my expertise as a real estate agent I’ll happily refer you to one of my Portland, OR home loan nerds who can tell you all about getting a mortgage while self-employed.

[contact-form]
Working from home

Most working days look like this for me.

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“I’m Thinking About Buying A House…” https://laurengoche.com/im-thinking-about-buying-house/ https://laurengoche.com/im-thinking-about-buying-house/#respond Fri, 27 Dec 2019 00:30:57 +0000 http://laurengoche.com/?p=22137 When I hear someone even whisper “I’m Thinking About Buying A House…” I want to look them straight in the eyes and say, “Hold up.” If I could get my potential buyers to take one – and only one – piece of advice when it comes to buying their first home, it is literally to […]

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When I hear someone even whisper “I’m Thinking About Buying A House…” I want to look them straight in the eyes and say, “Hold up.”

If I could get my potential buyers to take one – and only one – piece of advice when it comes to buying their first home, it is literally to contact one of my fantastic lenders the minute you think you want to buy a house.

This is a completely free, no obligation whatsoever move that will help you figure out how and when to take steps for your future. Even if you don’t plan on buying for years.

YEARS. I would so much rather everyone know exactly what it takes well ahead of time, instead of getting pre-approved just as you’re ready to pull the trigger…and learning that you should have done some things differently. It’ll save you so much heartbreak, seriously.

Here’s what one of my clients had to say about it:

“This is such good advice, as it just happened to us. We were holding off on getting pre-approved, ticking off our own checklist. Now, we find we were focused on all the wrong things, which has now delayed us for over a month. For example, I was worried about my credit score dropping when I applied, and refused to apply until it was higher – only to find out this wasn’t even an issue. Instead, it turns out I have to consolidate my 35 student loans (!), which is a 45 day process.”

A badass lender will anticipate these snags and help you work to resolve them ahead of time. They have the experience and foresight to clear a path from you to your new front door, removing all those unanticipated obstacles that occur in nearly every transaction.

A badass realtor will never let you step foot inside a house without first being pre-approved. They also have worked with countless Portland lenders, and know which ones are the very best. We hoard them like pirate’s booty.

So when I refer you to a lender, know that I’m doing so with your best interests in mind. One of my top shelf, tried-and-true lenders can and will make this process 100% easier on everyone involved. Believe me, having one of the very best lenders is key to success. Just trust me on this, okay? Okay.

Now, let’s find your house.

[contact-form]

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Rockin’ Solid Montavilla Ranchalow https://laurengoche.com/rockin-solid-montavilla-ranchalow/ Thu, 07 Nov 2019 17:53:35 +0000 http://laurengoche.com/?p=23064 $395,000 635 NE 92nd Ave. Portland, OR, 97220 Don’t be fooled – there’s more than meets the eye to this meticulously maintained, rock solid, cute af ranchalow, tucked away on an oversized corner lot in a sleepy lil’ pocket of ever-popular Montavilla. Gorgeous original hardwoods with loads of character and big, open windows brighten up […]

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$395,000

635 NE 92nd Ave. Portland, OR, 97220

Click to view slideshow.

Don’t be fooled – there’s more than meets the eye to this meticulously maintained, rock solid, cute af ranchalow, tucked away on an oversized corner lot in a sleepy lil’ pocket of ever-popular Montavilla. Gorgeous original hardwoods with loads of character and big, open windows brighten up your living spaces, including a sweet little breakfast eating nook off the open kitchen. Two good-sized bedrooms on the main, bath with vintage hex tile, and a bonus walk-through office space could complete this lovely home…if not for the rad lower level suite with bedroom, bath, laundry room, and loungin’ space, leaving your lifestyle options wide open. Covered patio and private, fenced back yard has all the potential, as does the impressive 600 sq. ft. oversized garage, with 220amp power, ideal for a workshop, art studio, or housing an electric car. Loads of shops and restaurants just blocks away in Montavilla’s self-contained downtown with cool community vibes. This adorable, unassuming home will check all your boxes!

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Strikingly Unique Woodlawn Home https://laurengoche.com/strikingly_unique_woodlawn_home/ Thu, 24 Oct 2019 16:09:10 +0000 http://laurengoche.com/?p=23036 $595,000 1042 NE Dekum St. Portland, OR, 97211 The Pilot House is an architecturally significant, curb appeal famous, eco-friendly home in the heart of Woodlawn’s Dekum Triangle. Custom designed and re-built with reclaimed materials, you’re sure to swoon over the one-of-a-kind sky bridge and glorious light throughout. Open, gourmet kitchen with stainless steel appliances is […]

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$595,000

1042 NE Dekum St. Portland, OR, 97211

Click to view slideshow.

The Pilot House is an architecturally significant, curb appeal famous, eco-friendly home in the heart of Woodlawn’s Dekum Triangle. Custom designed and re-built with reclaimed materials, you’re sure to swoon over the one-of-a-kind sky bridge and glorious light throughout. Open, gourmet kitchen with stainless steel appliances is ideal for the entertaining home chef. Master bedroom with deck and ensuite bath on the main level brings beautiful views. Unparalleled ADU potential with the ground level walk-in basement and bath ensures privacy and living flexibility. Perfectly situated in the coveted Dekum Triangle, and with a bike score of 96, you’ll enjoy enviable access to Woodlawn Coffee, Grand Army Tavern, Breakside Brewery, Firehouse restaurant, a vibrant farmers market, transit, P’s & Q’s Market, and Woodlawn City Park.

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Cool Vintage Belmont Condo https://laurengoche.com/vintage-belmont-condo/ Tue, 08 Oct 2019 13:51:56 +0000 http://laurengoche.com/?p=22958 $249,900 2829 SE Belmont St. #305 Portland, OR, 97232 You: Want to live in a Portland hot spot where you can walk or bike to all of the action. Need lots of light to survive the overcast months. Lover of vintage charm. And you want a hands-off HOA that covers all the dull stuff. We […]

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$249,900

2829 SE Belmont St. #305 Portland, OR, 97232

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You: Want to live in a Portland hot spot where you can walk or bike to all of the action. Need lots of light to survive the overcast months. Lover of vintage charm. And you want a hands-off HOA that covers all the dull stuff. We got you! This gorgeous 1 bed/1 bath condo is sweet ‘n’ sunny, bright ‘n’ cheery, and provides the complete package of inner urban living. Pet friendly, in-unit laundry, stunning arched windows, a secured area for your bike, and super close to Portland’s famous eateries and shops. Look, it’d even make a pretty fantastic rental investment, if you’d rather travel the world while building equity back home. And between us? The price has been significantly dropped, just to sweeten the deal. Interested? Let’s talk!

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Bright + Beautiful St. Johns Ranch https://laurengoche.com/bright-beautiful-st-johns-ranch/ Fri, 20 Sep 2019 14:46:34 +0000 http://laurengoche.com/?p=23006 $395,000 9621 N Lombard St. Portland, OR, 97203 Beautifully updated one-level ranch provides space, style, and easy living in the hub of St. Johns. New hardwood floors warmly welcome you home, while the wood burning fireplace promises a hygge winter ahead. Lots of lovely light to brighten up your life. Kitchen remodeled to perfection in […]

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$395,000

9621 N Lombard St. Portland, OR, 97203

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Beautifully updated one-level ranch provides space, style, and easy living in the hub of St. Johns. New hardwood floors warmly welcome you home, while the wood burning fireplace promises a hygge winter ahead. Lots of lovely light to brighten up your life. Kitchen remodeled to perfection in 2017, modernizing your domestic zone with stainless steel appliances, farmhouse sink, butcher block countertops, pantry, and so much open space. Three good-sized bedrooms – plus a bonus room ideal for an office – and 2 full baths expand your living options. Fully fenced yard is easily maintained, and offers private socializing on the brand new back deck. New roof and gutters in 2017. With a Walk Score of 83, you’ll enjoy a quick stroll to everything cool in downtown St. Johns – including the theater, farmers market, shops, cafes, restaurants, and bars – and being situated perfectly between Pier Park and Cathedral Park. You’ll be proud to call this gorgeous ranch “home” for many years to come.

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Bangin’ Kenton Craftsman https://laurengoche.com/bangin-kenton-craftsman/ Sat, 01 Jun 2019 00:20:39 +0000 http://laurengoche.com/?p=22983 $450,000 8723 N Tyndall Ave. Portland, OR, 97217 Located in a fantastic area just blocks from Kenton Park and the popular small town feels of downtown Kenton, this new(er) construction 2 story craftsman combines bool and comfort with absolute ease. Fabulous use of space results in a highly livable flow – the cozy living room […]

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$450,000

8723 N Tyndall Ave. Portland, OR, 97217

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Located in a fantastic area just blocks from Kenton Park and the popular small town feels of downtown Kenton, this new(er) construction 2 story craftsman combines bool and comfort with absolute ease. Fabulous use of space results in a highly livable flow – the cozy living room with gas fireplace leads to the open concept dining room and kitchen, with stainless steel appliances, gas range, granite countertops, and loads of cabinet space. Upstairs has generous-sized rooms, including a truly stunning master suite WITH A FIREPLACE and a gorgeous, roomy bath with duel sink stations and jetted tub. Yes, life could be this luxurious. High end finishes include hickory flooring, and there are great storage options. Newer A/C and plantation shutters will be life savers in the coming summer months, and the private, fenced yard with garden boxes is awesome for outdoor leisure. You’ll fall hard for Kenton’s tight-knit community, downtown area, shops & restaurants, transit options, easy commutability, and one of Portland’s best annual street fairs.

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Cutie Patootie in Parkrose Heights https://laurengoche.com/cutie-patootie-parkrose-heights/ Thu, 02 May 2019 14:36:09 +0000 http://laurengoche.com/?p=22936 $338,000 11448 NE Fargo St. Portland, OR, 97266 Get a load of this sweet thang! Open floor plan with everything on the one level = classic ranch realness. Hardwood floors throughout, and lovely wood burning fireplace. The kitchen has stainless steel appliances, and loads of countertop and cabinet room. Three bright and happy bedrooms with […]

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$338,000

11448 NE Fargo St. Portland, OR, 97266

Click to view slideshow.

Get a load of this sweet thang! Open floor plan with everything on the one level = classic ranch realness. Hardwood floors throughout, and lovely wood burning fireplace. The kitchen has stainless steel appliances, and loads of countertop and cabinet room. Three bright and happy bedrooms with ample closet space. Bathroom features two side-by-side sinks, perfect for tooth brushing races. Spacious laundry room leads out into the massive fenced back yard with outdoor seating area and your own private playground – this yard is so awesome for planting and play. Oversized one-car attached garage also works for storage and hobbies. Close to parks, The Grotto, Rocky Butte, and easy access to PDX airport, IKEA, Costco, shops, and restaurants. Affordable, accessible, adorable – this home’s ready for your summertime easy livin’.

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