Archive for January, 2015

Get To Know Oregon Sinister Distilling & Deluxe Brewing

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Sinister Distilling Company and Deluxe Brewing Company

Deluxe Brewing
is the dream of Albany Steamworks, LLC, otherwise known as Eric “Howie” and Jamie Howard. The couple decided long ago that a brewstillery was exactly what they needed to start. After several years of research and the help of family, friends and the community, the Howard’s are realizing their dream.

Howie started homebrewing in 2005. He went down to the local homebrew shop, Corvallis Homebrew Supply, and got all the supplies he needed for his first extract beer. He did it in the kitchen and the steam soaked the cabinets with the aroma of hops and malt. It was love at first boil. He joined the homebrew club, Heart of the Valley Homebrewers, and started networking with more homebrew enthusiasts.

Howie did more and more brewing, and moved quickly onto an all-grain system. He won several awards for his beer, and became more active in the club. He was elected President and held the position for three years. Howie went to work part-time at a small microbrewery in Corvallis to learn what it takes to own a brewery.

In 2011, we began the journey of starting our own microbrewery. Since we live in Oregon, we are surrounded by amazing breweries with beers of every flavor. We’ve decided to focus on lagers.

It’s an exciting journey for us, and one that we are doing for the love of beer.

Sinister Distilling Company
Sinister Distilling Company is using a whiskey pot still from Portugal to produce fine whiskeys, rums and gin and whatever else that warms our sinister heart.

541-928-7699
635 NE Water Ave. Suites B & D • Albany, OR 97321
Hours: Open Tuesday-Friday 3-8 p.m., Saturday 12-8 p.m., Sunday 12-6 p.m.

FOR MORE INFORMATION VISIT
http://www.sinisterdeluxe.com/

Team Pendley
with RE/MAX Integrity
We Go The Extra Mile, It’s Less Crowded!

http://www.teampendley.com/

Pat Pendley, Principal Broker
(541) 990-2530

Christie Pendley, Broker
Certified Distressed Property Expert
(541) 619-3640

Doug Hall, Broker
(541) 979-0571

**Pat Pendley, Christie Pendley ,and Doug Hall, are licensed Real Estate Brokers in the State of Oregon with RE/MAX Integrity

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4 Tips to Determine How Much Mortgage You Can Afford

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4 Tips to Determine How Much Mortgage You Can Afford

1. Prepare a detailed budget.

The oldest rule of thumb says you can typically afford a home priced two to three times your gross income. So, if you earn $100,000, you can typically afford a home between $200,000 and $300,000.

But that’s not the best method because it doesn’t take into account your monthly expenses and debts. Those costs greatly influence how much you can afford. Let’s say you earn $100,000 a year but have $1,000 in monthly payments for student debt, car loans, and credit card minimum payments. You don’t have as much money to pay your mortgage as someone earning the same income with no debts.

Better option: Prepare a family budget that tallies your ongoing monthly bills for everything — credit cards, car and student loans, lunch at work, day care, date night, vacations, and savings.

See what’s left over to spend on homeownership costs, like your mortgage, property taxes, insurance, maintenance, utilities, and community association fees, if applicable.

2. Factor in your downpayment.

How much money do you have for a downpayment? The higher your downpayment, the lower your monthly payments will be. If you put down at least 20% of the home’s cost, you may not have to get private mortgage insurance, which protects the lender if you default and costs hundreds each month. That leaves more money for your mortgage payment.

The lower your downpayment, the higher the loan amount you’ll need to qualify for and the higher your monthly mortgage payment.

But, if interest rates and/or home prices are rising and you wait to buy until you accumulate a bigger downpayment, you may end up paying more for your home.

3. Consider your overall debt.

Lenders generally follow the 43% rule. Your monthly mortgage payments covering your home loan principal, interest, taxes and insurance, plus all your other bills, like car loans, utilities, and credit cards, shouldn’t exceed 43% of your gross annual income.

Here’s an example of how the 43% calculation works for a homebuyer making $100,000 a year before taxes:

1. Your gross annual income is $100,000.

2. Multiply $100,000 by 43% to get $43,000 in annual income.

3. Divide $43,000 by 12 months to convert the annual 43% limit into a monthly upper limit of $3,583.

4. All your monthly bills including your potential mortgage can’t go above $3,583 per month.

You might find a lender willing to give you a mortgage with a payment that goes above the 43% line, but consider carefully before you take it. Evidence from studies of mortgage loans suggest that borrowers who go over the limit are more likely to run into trouble making monthly payments, the Consumer Financial Protection Bureau warns.

4. Use your rent as a mortgage guide.

The tax benefits of homeownership generally allow you to afford a mortgage payment — including taxes and insurance — of about one-third more than your current rent payment without changing your lifestyle. So you can multiply your current rent by 1.33 to arrive at a rough estimate of a mortgage payment.

Here’s an example: If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership.

However, if you’re struggling to keep up with your rent, buy a home that will give you the same payment rather than going up to a higher monthly payment. You’ll have additional costs for homeownership that your landlord now covers, like property taxes and repairs. If there’s no room in your budget for those extras, you could become financially stressed.

Also consider whether or not you’ll itemize your deductions. If you take the standard deduction, you can’t also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a “what if” tax return, can help you see your tax situation more clearly.

INFORMATION COURTESY OF
HOUSELOGIC
Read more: http://buyandsell.houselogic.com/articles/4-tips-determine-how-much-mortgage-you-can-afford/#ixzz3PwuaXhD7
Follow us: @HouseLogic on Twitter | HouseLogic on Facebook

Team Pendley
with RE/MAX Integrity
We Go The Extra Mile, It’s Less Crowded!

http://www.teampendley.com/

Pat Pendley, Principal Broker
(541) 990-2530

Christie Pendley, Broker
Certified Distressed Property Expert
(541) 619-3640

Doug Hall, Broker
(541) 979-0571

**Pat Pendley, Christie Pendley ,and Doug Hall, are licensed Real Estate Brokers in the State of Oregon with RE/MAX Integrity

TEAM PENDLEY/HALL’S SUPER BOWL PARTY GUIDE

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TEAM PENDLEY/HALL IS SHARING THE BEST OF OUR PINTEREST BOARDS TO HELP YOU HAVE THE BEST SUPER BOWL PARTY EVER!!!

WE HOPE YOU FIND JUST THE RIGHT IDEA TO MAKE YOUR PARTY SPECTACULAR!!!!

Team Pendley
with RE/MAX Integrity
We Go The Extra Mile, It’s Less Crowded!

http://www.teampendley.com/

Pat Pendley, Principal Broker
(541) 990-2530

Christie Pendley, Broker
Certified Distressed Property Expert
(541) 619-3640

Doug Hall, Broker
(541) 979-0571

**Pat Pendley, Christie Pendley ,and Doug Hall, are licensed Real Estate Brokers in the State of Oregon with RE/MAX Integrity

Team Pendley/Hall’s January Featured Listings

Team Pendley/Hall's January Featured Listings.

Team Pendley/Hall’s January Featured Listings

See something you like? Give us a Call today!!

Pineview_1_2

3385 Pineview Pl NW, Albany, OR
This Lovely Home sits on the hill in a peaceful Cul-De-Sac neighborhood! Offering 3 bedrooms, 2 baths, 1799 sq ft all on 0.38 acre lot in North Albany. This upgraded kitchen has slab granite counter tops with black appliances, walk in pantry with storage, built in desk area & ample storage space. All vinyl double pane windows throughout, 3 yr old carpet & fire place in family room. Park like back yard offers a deck area great for a hot tub, raised garden beds, mature landscaping & more!
FOR MORE INFORMATION VISIT
http://www.teampendley.com/3385-Pineview-Pl-NW-Albany-OR~l4883311

Salmon_Run_1
1599 Salmon Run SW, Albany, OR

This quality built Monticello home is a real charmer w the best lot in the neighborhood. Nicely done inside with great lighting features Big corner lot with great backyard that backs up to protected open field area. 4 bedrooms, 2.5 baths, open living floor plan with a fantastic Master Suite with garden tub & walk in closet. Cement RV parking area behind gated fence. Newly repainted exterior. Alarm system. This one is a definite must visit!
FOR MORE INFORMATION VISIT
http://www.teampendley.com/1599-Salmon-Run-SW-Albany-OR~l4834354
35th_2
625 35th Ave SE, Albany, OR

This rare find 4 bedroom beauty is located in lovely South Albany! Offering a master suite w walk in closet, master bath w tile floors & French doors leading outside to the tropical rock garden w Koi Pond! Guest bedroom w half bath. Large living room offers an office area & sitting room. Bright kitchen w oak cabinets, ample counter space & storage. Many updates including all vinyl windows & UGS. 24×12 Shed w power & concrete floors… You Must Visit This HOME!
FOR MORE INFORMATION VISIT
http://www.teampendley.com/625-35th-Ave-SE-Albany-OR~l4832416

Laura_Vista_2
1851 Laura Vista Dr NW, Albany, OR
This Home offers More than you’ll find anywhere else! This single level 3 bedrooms, 2 baths, 1440 sq ft home built in 2003 has an open living feel with den or office, formal dining area, kitchen island w breakfast bar, laundry/mud room off the 3 car garage. Master suite has cedar lined walk in closet, master bath w dual sinks & slider w patio to the back yard. Central A/C & gas forced air w Clean Air Effects filter system. 24’ x 34’ Shop w 16’ door. RV Parking Area & disposal. 3rd Car Garage is Heated…. All this on 0.26 acre lot in Desirable North Albany!
FOR MORE INFORMATION VISIT
http://www.teampendley.com/1851-Laura-Vista-Dr-NW-Albany-OR~l4871411

Sunny_3
2978 Sunny Lane NW, Albany, OR

This Single Story North Albany Home offers 3 bedrooms & 1 bath, 1369 sq ft, with gas fire place in the living room. Beautiful original hardwood floors. The kitchen offers ample storage space, sitting or small dinette area, plus formal dining room. Laundry/mudroom, 2 car attached garage, RV Parking Area plus 30×30 shop with concrete floors and power. Large fenced back yard on this 0.34 acre lot in quiet little neighborhood! Enjoy the local wildlife including deer & turkey… It’s all right here!
FOR MORE INFORMATION VISIT
http://www.teampendley.com/2978-Sunny-Lane-NW-Albany-OR~l4877368

beach6
2802 NW Convoy Way, Waldport, OR
Currently rents for $125.00 per night with a two night minimum managed by Bayshore Properties Waldport OR
Newer 2 bedroom, 2 bath w/Office or Guest Room! This AMAZING home in Bayshore is located just a one block walk to the beach & very close to private clubhouse. Entry through an enclosed courtyard w/floor to ceiling windows makes any weather perfect for outdoor bbqing, & entertaining. Living room has a gas fireplace, spacious open floor plan & 360 degrees of fantastic views. Master suite has a full bath w/Jacuzzi tub, 2nd bedroom has jack-and-jill entry to bathroom w/shower & inside laundry. 3rd bedroom/office or guest room has built in book shelves & entertainment center.
FOR MORE INFORMATION VISIT
http://www.teampendley.com/2802-NW-Convoy-Way-Waldport-OR~l2170059

Team Pendley
with RE/MAX Integrity
We Go The Extra Mile, It’s Less Crowded!

http://www.teampendley.com/

Pat Pendley, Principal Broker
(541) 990-2530

Christie Pendley, Broker
Certified Distressed Property Expert
(541) 619-3640

Doug Hall, Broker
(541) 979-0571

**Pat Pendley, Christie Pendley ,and Doug Hall, are licensed Real Estate Brokers in the State of Oregon with RE/MAX Integrity

ALTRUSA OF ALBANY OREGON LITTLE ITALY EVENT DINNER & AUCTION

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Altrusa hosts annual auction in February

Altrusa International of Albany will host its annual auction beginning at 5 p.m. Saturday, Feb. 21, at the Albany Boys & Girls Club, 1215 Hill St. S.E., Albany.

Tickets are $30 each and includes dinner. Proceeds of the auction benefit Kidzshop and other Altrusa charities. Featured activities include a live auction, silent auction, balloon pop, dessert dash and a golden ticket drawing for a chance to win the live auction of your choice. Sponsorship tables are still available.

For more information regarding sponsorship or tickets contact
Chrystal Hart at chrystalhart@gmail.com or 503-580-2576.

Organizers are still accepting donations and auction items.
For donation information
contact Trish Irwin at Tntbldrs@comcast.net or 541-730-2111.

Team Pendley
with RE/MAX Integrity
We Go The Extra Mile, It’s Less Crowded!

http://www.teampendley.com/

Pat Pendley, Principal Broker
(541) 990-2530

Christie Pendley, Broker
Certified Distressed Property Expert
(541) 619-3640

Doug Hall, Broker
(541) 979-0571

**Pat Pendley, Christie Pendley ,and Doug Hall, are licensed Real Estate Brokers in the State of Oregon with RE/MAX Integrity

Stunning Location 3385 Pineview Pl NW, Albany, OR

This Lovely Home sits on the hill in a peaceful Cul-De-Sac neighborhood! Offer 3 bedrooms, 2 baths, 1799 sq ft all on 0.38 acre lot in North Albany. This upgraded kitchen has slab granite counter tops with black appliances, walk in pantry with storage, built in desk area & ample storage space. All vinyl double paned windows though out, 3 yr old carpet & fire place in family room. Park like back yard offers a deck area great for a hot tub, raised garden beds, mature landscaping & more!

FOR MORE INFORMATION AND TO ARRANGE YOUR PERSONAL TOUR VISIT

http://www.teampendley.com/3385-Pineview-Pl-NW-Albany-OR~l4883311

OR CONTACT
Team Pendley
with RE/MAX Integrity
We Go The Extra Mile, It’s Less Crowded!

http://www.teampendley.com/

Pat Pendley, Principal Broker
(541) 990-2530

Christie Pendley, Broker
Certified Distressed Property Expert
(541) 619-3640

Doug Hall, Broker
(541) 979-0571

**Pat Pendley, Christie Pendley ,and Doug Hall, are licensed Real Estate Brokers in the State of Oregon with RE/MAX Integrity

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