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Sandpoint Real Estate

Short Sale 3 bed, office, dining room 2 car garage 1 acre

short sale sagle idaho

113 Carter Dr Sagle Idaho 83860

 

Short sale opportunity! Single level ranch styled 3 bedroom with an office and 2 car garage situated on 1 acre in Sagle. Open floor plan graced by arches and cathedral ceilings. Gourmet kitchen with alder cabinets, large laundry room, huge private en-suite master office with built in, gas fireplace, energy efficient heat pump, water filtration and softening system. Enjoy the out doors on the 3 covered trex decks or sitting around the fire ring. Beautiful treed lot, storage shed, play set with a quiet neighbor hood close to town while still providing a touch of nature. Come see this home today by calling Rain Silverhawk 208-266-0011

 

Short Sale in Idaho

 

What Realtors do for their clients and how Brivity can help

What do Realtors do for their clients and how can Brivity help agents update their clients?
I came across this Active Rain article entitled: “I’ve NEVER heard a buyer or seller say their agent contacted them TOO MUCH!” Wow, that’s such a profound statement! One of the biggest complaints from buyers is that they never hear from their agent, and were left in the dark. The article inspired by the impressive work of Ben Kinney introduces Brivity,  which is a CRM and advertising platform for real estate transactions. So, what do real estate agents do for their clients and just how much of what we do actually gets communicated to our clients? No doubt, that second part really is the hard part.  

So often our real estate clients do not have a clue as to what most real estate agents do each day on their behalf. Why would they? We don’t always tell them as we usually have our hands full doing the work.  I normally have anywhere from 18-50 listings and a large data base of buyers. I can certainly see how a system like Brivity could be very usefull in helping me keep my clients updated.  

 

If you were to ask the average person what a real estate

agent does, most would tell you that they put a listing in the

MLS, a sign in the yard, and then show potential buyers

houses. Our jobs would be pretty easy if that was all there

actually was to it. 

Sign in yard

 

One of the biggest complaints from sellers on expired listings is that the agent put up the sign and then they never heard from the agent again. Buyer’s complaint is that they call for information and never get a call back.

Let’s go through a few hundred of the highlights of what I do for my buyers and sellers.

 

What I do for a Buyer

First contact:

1. This can come in many, many forms. It might be an email or phone call asking a specific question about a property. A buyer may be randomly calling real estate agents to find one they like, or it might be a referral from a friend. It could even be a conversation in the checkout line at the grocery store. No matter when or how you found me, I am ready to do everything humanly possible to help you find the perfect property.

2. Ask questions to determine what your wants and needs are in a home, what price range we’ll be looking at, and the logistics & time frame for purchasing.

3. The vast majority of my clients I work with on the internet long before they ever come to Idaho and meet face to face. This is an excellent way for Buyers to weed out the homes that won’t work for them, and find the ones that they do want to see. It also helps me to really get to know Buyers and zero in what will make them truly happy.

4. Generally, a Buyer has a million questions about areas, weather, amenities, shopping, roads, schools, medical care and hospitals, etc. I always encourage Buyers to ask plenty of questions so they can make an informed decision.

5. Determine how much Buyers can realistically afford. I will direct them to talk with several lenders to get a pre-approval letter so we can find the perfect home that they can afford to fall in love with.

6. Explain how it is not in the Buyer’s best interest to work with multiple agents.  (Or the agents for that matter)

7. Ask if a potential Buyer has a home or other property that must sell prior to purchase.
8. Discuss areas in which a Buyer would like to begin looking.
9. Ask what their dream home is and see how close I can get.
10. Give buyers the “Blue Brochure” and explain the  agency disclosure.
11. Do computer research to find homes that meet Buyers’ parameters.
12. Pull aerial maps for any homes they find interesting.
13. Answer questions about specific properties or areas.
14. View homes and get a feeling for what does and doesn’t appeal to them.
15. I often take video tours for out of state clients.
16. Talk to For Sale By Owners for possible showings.
17. Talk with other Agents about any pocket listings that may be available for showings.
Before showing day:

18. Prepare a list of properties to see in person.
19. Print off aerial maps, plat maps and property reports.
20. Preview homes, if possible.
21. Make appointments to show the homes.
22. Print off listings to hand out to clients.
23. Map our route for the day.

Showing day:

24. We can usually narrow down the list of possible properties to under ten. There is no magic number; we might see 3 homes or 50. If and when we walk into the right one, they will know it.
25. At each home, I will give them the listing sheet and encourage them to make notes of their own. By the end of the day, the homes will start running together, and those notes will be a big help later on.

After the Buyer finds a house they like:

26. Print a map of property.
27. Pull the property tax records.
28. Pull any old MLS listings.
29. Research the property’s current use and zoning.
30. Research and verify the legal description of the property to include with an offer.
31. Pull comparitive Active and Sold Listings.
32. Analyze the “Days on Market” for similiar properties.
33. Prepare Comparative Market Analysis.
34. Print location map of comparative listings.
35. Pre-negotiate with the other Agent before writing up a contract.
36. Request all disclosures for the listing.
37. Discuss Comparative Market Analysis with the Buyer.
38. Discuss offer and pricing strategy.
39. Sign Seller’s Property Disclosure.
40. Complete Lead-Based Paint Disclosure.
41. Discuss availability of Homeowner’s Warranty.
42. Get copies of leases, if applicable.
43. Ask for floor plan, and supplimental  list of amenities.
44. Discuss the terms of the offer.
45. Read and explain the documents to Buyer and answer any questions.
46. Sign the completed offer and all accompanying paperwork.

Contract negotiations:

47. Discuss Buyer’s financial qualifications and needs.
48. Discuss exclusions, dates, and details with the other Agent.
49. Review Contract Addendums.
50. Negotiate the offer and options.
51. Convey pre-qualification letter.
52. Sign offer or reevaluate offer, if needed.
53. Prepare and convey any Counter Offers, acceptances, or amendments.
54. Track acceptance deadline time.
55. Renegotiate contract items as needed.
56. Receive signed Contract or Counter Offer.
57. Discuss options with Buyer.
58. Once accepted, make applicable copies.
59. Convey signed copies to the other Agent.
After the contract is signed by all parties:

60. Make copies of all documents for the Buyer, office, and seller’s Agent.
61. Make copy of Earnest Money check.
62. Deliver check to title company and receive receipt.
63. Send copy of receipt and earnest money check to office.
64. Convey Contract to Mortgage Lender.
65. Convey Contract to Title Company.
66. Open Escrow.
67. Do necessary paperwork follow up.
68. If Seller and Buyer are both my clients, set listing for pending.
69. Make copies of leases and damage deposit receipts, if applicable.
70. Notate important dates on Calendar.
71. Have Buyers review and sign the Property Disclosure.
72. Obtain any necessary Inspections the required time frame.
73. Make all parties aware of the Resolution Deadline.
74. If Title is to be taken in the name of a Trust, obtain a copy of the Trust document.
75. Review all paperwork for signatures.
76. Advise Buyers to postpone any large purchases while going through the loan process.
77. If clients are from out of state, get instructions and addresses.
78. Notify Title Company of Mail out.
79. If Power of Attorney is needed, get originals signed and notarized to Title Company.
80. Remind Buyer to notify Utility Companies to start service.
81. Discuss what happens if other offers come in between Contract and Closing.
82. Is Buyer’s current house on the market? If so, resolve any timing issues.
83. Resolve any Title Disputes.
84. Resolve any Off Record matters.
85. Mail change-of-address forms to Buyer.
86. Coordinate closing time with Buyers, Sellers, and Title Company.
87. Verify closing date and time, and make all parties aware of it.
88. Mail time-verification of closing and directions to Buyer.
89. Assist in solving any Title problems, such as boundary disputes, easements, etc.
90. See to any cleaning needs upon move-out.
91. Discuss mover time-frame for move-in with Buyer.
92. Receive list of completed repairs and maintenance items Seller has completed.
93. Verify that appropriate permits were pulled.
94. Verify HOA fees and disclosures, if applicable.
95. Calculate average utility usage for the last twelve months.
96. Return all phone calls.
97. Add daily activities to calendar.

Home Inspection:

98. Set up all Inspections.
99. Coordinate time with Seller, Agents, Buyer, and Inspector(s).
100. Review home inspection report(s) with Buyer.
101. Help Buyer negotiate Inspection Contingencies.
102. Assist Buyer in obtaining repair estimates or a credit at closing.
103. Add a copy of Inspection Contingency Release to file.
104. Verify prior to closing that all repairs have been performed.
105. Get copies of all repair receipts.

Appraisal:

106. Set up appraisal.
107. Coordinate time with Seller, Agents, Buyer, Appraiser.
108. Send appropriate comparable sales to Appraiser.
109. Verify Appraisal has been completed and is satisfactory.
110. If the Appraisal is low, discuss options with the Buyer.
111. Discuss any conditions on the Appraisal with the Buyer.
112. Schedule final inspection on Appraisal conditions, if applicable.
113. Verify all conditions have been met prior to closing.

Tracking the loan process:

114. Ensure that the condition of the property is appropriate for the type of loan the Buyers are seeking.
115. Make contact with the Lender and verify Buyer information.
116. Confirm loan application deadlines.
117. Contact Lender often to ensure processing of loan approval is on track.
118. Assist Buyer in sending all paperwork to the Lender.
119. Make Buyers aware of “Lock-In” expiration date.
120. Notify Buyer of loan approval.

Closing preparations:

121. Verify with Buyer approximate money needed on closing day.
122. Coordinate Possession Date and time.
123. Prepare disbursement authorizations.
124. Notify Title Company of any extensions.
125. Submit bills and receipts to Closer.
126. Make sure Closer has all addenda, correct price, rents, or applicable credits.
127. Discuss closing figures with Closer.
128. Check final figures for accuracy.
129. Call Buyer and discuss final figures.
130. Remind Buyer to bring a picture ID.
131. Discuss Buyer’s need for Cashier’s Check or wire transfer.
132. Deal with all last-minute crises.
133. Check file for any unsigned documents.
134. Coordinate this closing with Buyer’s sale and resolve any timing issues.
135. Request HUD from Lender/Title Company at least 24 hours prior to closing.
136. Contact Buyer and review HUD.
137. Schedule walk through with Buyer, Buyer’s Agent, and Seller.
138. Make phone call to buyer to congratulate them on their new home or property! Hooray!!

 

So, let’s see, what else is there? Well… I have done everything from washing dishes and taking out the trash, to uncovering septic tanks, walking property lines, pulling out my hair, walking the dog during showings, crawling under houses, tracking down leaky pipes, picking up laundry, mending fences, painting, calling everyone from A to Z, and arranging repairs. Oh, and did I mention pulling out my hair?

Jobs to do

 

 

What I do for a seller

John Doe is ready to sell his house. Yippee! We have a few things to do before we ever actually go to meet Mr. Doe and list his property.

Before the listing: (Most of these steps are not communicated to a home seller but if I do my job right, they soon realize that I have done my homework!)

1. Take notes during and after the first contact with the seller.
2. Prepare and send a prelisting package to the seller.
3. Make an appointment with seller for listing presentation.
4. Analyze the active and pending listings.
5. Research sales activity for the past 12 months from MLS.
6. Research “Average Days on Market” for properties of this type, price range and vicinity.
7. Pull up the property tax roll information.
8. Search out the parcel maps, aerials, subdivision plat.
9. Locate well records or verify water districts.
10. Locate septic records.
11. Find out if gas is available to the property area.
12. Research property’s land use coding and any CCRs or HOAs.
13. Research property’s current use and zoning.
14. Verify legal names of owner(s) in the property records.
15. Research property’s ownership & deed type.
16. Call for legal description.
17. Confirm the nearby schools.
18. Research potential flood zones.
19. Prepare listing presentation package with all the information.
20. Drive by the property to assess the exterior.
21. Assemble a formal file on the property.
22. Prepare “Comparable Market Analysis” (CMA) to establish fair market value.
23. Call or email a confirmation of the appointment.
24. Review listing appointment checklist to ensure all steps and actions have been completed.

Send of a prelisting package.

Listing Day:

25. Give seller an overview of current market conditions and projections.
26. Review agent’s and company’s credentials and accomplishments.
27. Present CMA Results To Seller, including Comparables, Solds, Current Listings & Expireds.
28. Offer pricing strategy based on current market conditions.
29. Discuss Goals With Seller To Market Effectively.
30. Explain the purpose and benefits of the Multiple Listing Service.
31. Present and discuss strategic master marketing plan.
32. Provide suggestions to improve salability.
33. Explain different agency relationships and determine the seller’s preference.
34. Review and explain all clauses in Listing Contract & Addendum and obtain seller’s signature.
35. Discuss possible buyer financing options.
36. View the home and property and LISTEN carefully to any input from the seller.
————————–
The listing is signed, and from the seller’s perspective, that first day is always a whirlwind of activity.
The agent is taking pictures of the property, measuring rooms, making suggestions, putting “For Sale” signs in the yard, and making keys for the lock box, among other things. The seller is excited that their agent is on the ball and will sell their house. Today would be good, or even tomorrow! They are full of anticipation and hope. Then a few days pass, a week, a month, and they are wondering what is happening. Will my property sell, is there some problem, is that agent even doing anything??? Often the seller is thinking their agent put a great deal of effort into getting my listing, but now what are they doing?

Get Ready, Get Set, GO!!!! Sell that home:

37. Review title information.
38. Measure square footage and room sizes.
39. Prepare the photos for listings and advertising.
40. Place signs.
41. Make keys and install the lock box.
42. Enter listing into two MLS systems in our area.
43. Gather and upload aerial maps and plat maps, well logs, septic records, etc.
44. Send a copy of the listing to the seller for review and approval, requesting that they let me know if there’s anything they’d like to add or change.
45. I create a virtual tour and set up weekly visitor reports.
46. Prepare listing for syndication to approximately 3,000 websites.
47. Identify property lines and corners.
48. Review any agreements and easements.
49. Call for any CCRs.
50. Pull any road agreements.
51. Prepare showing instructions to be of assistance to other Agents.
52. Create a flyer for flyer boxes, office windows and bulletin boards.
53. Obtain house plans, when available, and make digital copies.
54. Check assumability of loans.
55. Verify any HOA fees.
56. Order Association Bylaws, if applicable.
57. Verify yearly tax bill.
58. Research electric availability and company name.
59. Calculate average utility bills.
60. Verify city sewer or septic records.
61. If the property is part of a public water system, verify water fees.
62. Confirm well status, depth, and output from well report.
63. Verify if seller has transferable water rights.
64. Research/verify availability of natural gas or propane, and the supplier’s name.
65. Prepare a detailed list of property amenities.
66. List needed and completed repairs or remodeled items.
67. Create print and Internet ads.
68. Write local classified ads.
69. Advertise in feeder markets in other cities.
70. Place announcements in employee lounges and bulletin boards.
71. Hold open houses, with Seller’s approval.
72. Email at least 50 URLs where listing appears for seller review.
73. Send listing to current clients with an interest.
74. Coordinate showings.
75. Ask for feedback after showings and discuss with seller to determine if changes are needed.
76. Return calls as soon as possible.
77. Send “Just Listed” letters to neighbors.
78. Prepare marketing brochures and make copies.
79. Send listing to referral programs.
80. Submit ads to unsyndicated sites.
81. Reverse prospecting, contact agents to let them know they have a client who may be a good fit for this property.
82. Make regular weekly calls or emails to discuss updates, marketing and pricing.
83. Network with agents to promote the listing.
84. Follow up with agents and buyers.
85 Arrive at your home to turn on the lights, and otherwise make it presentable for showings.
86. Send details of the listing to investor groups.
87. Post on blogs.
88 Post on Facebook.
89 Post on Twitter.
90. Post on Google Plus.
91. Post on eBay.
92. Post on Pinterest.
93. Post on Backpage.
94. Add listing to Biz Buy Sell if commerical.
95. Add listing to KWLS.
96. Determine if the property has rental units involved. And if so:
97* Make copies of all leases for retention in listing file.
98* Verify all rents & deposits.
99* Inform tenants of listing and discuss how showings will be handled.
100* Talk with tenants to find out their needs & wants, and remember to be mindful that I am intruding in their lives.
Short Sales:

101. Choose suitable short sale price.
102. Contact bank to send in third party authorization.
103. FAX in listing information to Short Sale Bank.
104. Retrieve Short Sale package.
105. Help Seller fill out the RMA.
106. Initiate Short Sale offer.
107. FAX or upload RMA and offer.
108. Daily check on Equator System.
109. Communicate with negotiator, once assigned.
110. Provide updated information to negotiator regularly.
111. Secure approval for maintenance.
112. Request winterization when needed.
113. Arrange for state electrical inspectons when power has been off for a year.
114. Arrange for snow plowing, as necessary, to keep access open.
115. Arrange for yard maintenance.
116. Coordinate service contractors.
117. Negotiate Short Sale with bank.
118. Meet deadlines throughout the process.
119. Arrange for authorization for title companies.
120. Arrange for inspectors.
121. Deliver lender paperwork throughout the process.
122. Distribute Short Sale approval letters to lenders, title officers and clients.
123. Update all parties of new requests and/or requirements during the process.
124. Inform buyers of any waiting periods and deadlines.
The OFFER

125. Receive and review all Purchase and Sale contracts.
126. Contact buyer’s agents to review buyer’s qualifications and discuss offer.
127. Deliver Seller’s Disclosure to buyer’s agent.
128. Evaluate offer(s) and prepare a “net sheet” for the owner.
129. Discuss the details of the offer with sellers.
130. Confirm buyer is pre-qualified by calling Loan Officer.
131. Obtain pre-qualification letter on buyer from Loan Officer.
132. Negotiate all offers on seller’s behalf.
133. Prepare and convey any counteroffers, acceptance or amendments to buyer’s agent.
134. Deliver copies of contract and all addendums to title company, buyer’s agent and office.
135. Record and promptly deposit buyer’s earnest money in escrow account.
136. Record “Under-Contract Showing Restrictions” as seller requests.
137. Send copies of Offer to Purchase contract to lender.
138. Change status in MLS to “Sale Pending”.
139. Receive title insurance commitment.
140. Ensure Buyer’s have requested insurance binders for their new property.
141. Obtain credit report information for Seller if property will be Seller-financed.
142. Assist Buyer with obtaining financing, if applicable, and follow-up as necessary.
143. Coordinate with Lender.
144. If it’s a manufactured home, coordinate foundation inspection.
145. If manufactured is not considered real property, call DMV for transfer.
146. Ensure HUD tags are on mobile homes.
147. Order septic system inspection, if applicable.
148. Receive and review septic system report.
149. Deliver copy of septic system inspection report to the Lender & Buyer.
150. Deliver Well Flow Test Report copies to Lender & Buyer and property listing file.
151. Coordinate Buyer’s home inspection with Seller.
152. Review home inspector’s report.
153. Recommend or assist Seller with contractors to perform any required repairs.
154. Negotiate payment and oversee completion of all required repairs.
155. Schedule an Appraisal.
156. Provide comparable sales used in market pricing to Appraiser.
157. Follow-Up On Appraisal.
158. Contact Lender weekly to ensure processing stays on track.
159. Relay final approval of Buyer’s loan application to Seller.
160. Ensure all parties have all forms and information needed to close the sale.
161. Select when and where closing will be held.
162. Confirm closing date and time, and notify all parties.

163. Assist in solving any title problems (boundary disputes, easements, etc.).
164. Arrange a final walk-through.
165. Review all closing documents carefully for errors.
166. Review HUD 1 for all items.
167. Coordinate this closing with Seller’s next purchase and resolve any timing problems.
168. Change MLS status to “Sold”. Enter sale date, price, and selling broker.

 

Sold By Rain Silverhawk

Once the sale is over, I am still not done:

169. The fun part is that I get to call you and announce that we closed escrow; you now have a new house! I always love this part!
170. I will ask you for a recommendation letter. Over the following months and years, I will enjoy bidding you happy holiday greetings, and checking in every so often to inquire how you and your family are doing. I’ll also let you know that I am still selling real estate, in case you’d like to recommend me to your friends or hire me again yourself.

 

How about an update?

When you listed your home for sale, you wanted it to sell right away. I am often busy chasing down the details and working on promoting your property. If I don’t tell you everything I’m doing on your behalf, though, how are you going to know? I do the best I possibly can to take time to contact you with regular updates. None the less, I am going to continue to work on that, striving hard every day to be even better, because I do know it is important.

 

 

New listing 6.6 acres on county maintained road $48999

dogwood

Come build your home on this well treed 6.6 acre piece with seasonal creek. County road frontage, beautiful views, phone and electric to property line. Priced well below assessment. Near usfs land, public boat launch nearby. $48,999

http://tours.tourfactory.com/tours/tour.asp?t=1380536

 

 

3 sales this week. Let Rain Silverhawk sell your home.

Rain Silverhawk had 3 sales this week.
Congratulations to the Droz family for their new home in Bonners Ferry Idaho

3 homes sold by Rain Silverhawk this week

3 homes sold by Rain Silverhawk this week

Off grid potential but has electric too! 2 homes on 19.75 acres with views of Moyie River with US forest service land in the back yard. 3 bedroom 2 bath built in 1989 overlooks River, garden and fantastic mountain views. A 2 car garage with extra shop for all your projects. Utilities include electric plus a back up generator and a spring fed water system. This is a perfect getaway retreat or survival property with a great feel and easy access close to town. There is a second 2 bedroom mobile for a rental unit. Beautiful acreage features a gazebo, fenced garden area, arched gated entry, fenced pasture, porch swing, dog kennel, storage sheds and cabin make this estate complete. Private yet easy to get to year round.

SOLD

Rain Silverhawk had 3 sales this week.

Rain Silverhawk had 3 sales this week.

Congratulations to the Currys for their new property in Sandpoint Idaho

LIsting by Rain Silverhawk SOLD

 

This 20 acre parcel backs up to USFS land has no near neighbors in sight, Has a 55×50 2750 sqft shop with 5 roll up doors, 4 hydraulic lifts, drilled well and installed septic. The bonus is that the 2000 sq ft home has been started and is at the drywall stage ready for you to finish. Private drive with 2 gates, abandoned horizontal mine on property flowing with water and a little mining cabin has been used as rental. Top of the world views and this one will be a real treat for someone who can finish out the home.

SOLD

Another parcel in Idaho sold!

Congratulations Bob and Connie Trotter on your purchase of the Spring Creek Property.  It will be nice to be close to family and I look forward to seeing all the changes you made to the house down below  when it goes up for sale.

 

 

Pristine 5 acre parcel with Cougar Creek flowing through it. Mostly level & usable land. Nice mixture of mature forest and natural open area’s. Recently surveyed. Electric to property line. County road frontage & additional driveway easement. Extremely private building site area’s. Cougar Creek is considered a “potable” water source. Just up the road is access to thousands of acres of National Forest. Minutes to Hope, Lake Pend Oreille with marina’s, restaurants, fishing, & boating. Abundant recreational opportunities. Lots of wildlife in the area (including elk, deer, & moose).

Cabinet Vista Lot 19 SOLD Congratulations!

acreage with mountain views

 

Cabinet Vista Lot 19 Looking for a beautiful piece of acreage full of trees and with mountain views? Be sure to see this 23 acre parcel chocked full of breath taking views. Driveway is roughed in, several home sites to choose from, well treed with some open meadows. Electric and phone nearby, privacy and close to town. Listed at $75,000

There are more adjoining parcels available so be sure to see them all.

 

SOLD

Congratulations to The Guylls on their purchase of Lot 19, I hope you have many wonderful years there.

$90k 2 plus bedroom 2 bath garage basement short sale Clark Fork Idaho

Short Sale Clark Fork Idaho

Short sale 2+ bedroom 2 bath close to school.  Home was completely remodeled in 2005 with a roof, plumbing and wiring and then a new propane furnace was added. Great bright kitchen with center island, inviting covered porch, comfortable rooms, unfinished basement.  With a little work could make a great home well worth the effort and the price. Located on a corner lot, in a small friendly town,  mature shade trees, garden area, fruit trees, shop & detached 1-car garage.

rain@lakeandhomes.com

208-610-0011

http://www.northidahosandpoint.com

short sale Idaho

I’m sold but there may be more of me

We just closed escrow.

SOLD 9.33 acres in Old Town Idaho

 

Partial River views from this level to gently sloping property. Extremely convenient location between Priest River & Newport. The 9.33 acres of land is nicely treed with both young and mature trees. Enjoy the mountain views. “End of the road” privacy. Very good road access. Congratulations Mike and Jessica, we look forward to seeing you build your home and life on this beautiful new property in Old town.

 

 river view

 

What a great buy on Everritt Huff and there are more parcels in the area.  The remaining 5 acre pieces are all $44,900

SOLD Hud home in Sandpoint Idaho

Congratulations to the Nunes family on your new log home in Sandpoint Idaho!  I can’t wait to see all the changes you accomplish on this Hud home and I have no doubt it will be stunning when you are done.  What a picturesque setting on the pack river winding through and those gorgeous mountain views, I know you will be happy for years to come.

 

Hud home sale

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