By Tosha Reinmiller, July 13, 2018
…and how to make your transaction as smooth as possible!
Get Pre-approved
Help get the ball rolling by getting pre-approved for a loan, before you put an offer in. By doing so, you can take control of your finances and know exactly what you’re working with, which gives you power. Buyers who have been pre-approved by a lender are generally able to finalize their loan applications faster and more efficiently compared to those who did not get pre-approved. Getting pre-approved also shows the seller that you are serious.
Get Your Paperwork Organized
Collect and organize your bank statements, pay stubs, tax returns and other documents, before you start the buying process. Some of these documents will take longer than others to acquire, better to start the process sooner than later.
If you aren’t sure which documents you might need, ask your local bank for a “mortgage loan checklist”. Most lenders even have them online, check to see if they have a guideline regarding what you’ll need.
Pick the Right Lender
Whether you decide to go with a mortgage broker, or work directly with a lender, ask them ahead of time the average time is for processing a loan application and more importantly. How quickly they’ll be able to complete your mortgage. Try to prepare for potential setbacks, like credit or employment-related problems you know exist and ask how you can clear those up.
Create Realistic Closing Timelines
When scheduling repairs, especially those that the other party is responsible for, schedule them with plenty of time to spare before closing. There’s nothing more frustrating than having to close behind schedule. This is especially true if you’re scheduled near a holiday. For example, the 4th of July on the Oregon Coast is our busiest time of the year, allowing extra room for unknown variables helps to better ensure quicker closing times.
If you are interested in Manzanita Real Estate or Surrounding areas. Please feel welcome to reach out.
Tosha Reinmiller
Principal Broker
Living Room Realty – Manzanita
(541) 231-5829
tosha@livingroomre.com
Tosha Reinmiller
Principal Broker | OR
She/Her
ABOUT TOSHA
Tosha specializes in the coastal communities of Manzanita, Cannon Beach, Nehalem, Wheeler, Arch Cape, Rockaway Beach and the surrounding areas in Tillamook County. In 2014, she jointly opened the Living Room Realty office in Manzanita, Oregon, with the desire to bring strong company values and culture to her clients at the coast. She understands the importance of client relationships and services.
With a design background, she has always been drawn to strong marketing aesthetic and appreciates the value of it. Skills that she possesses, but not limited to—ability to multi-task, great listening skills, drive, detailed-oriented, organized, knowledge of diverse design and aesthetics—are priceless when working as a REALTOR®.
For years she worked as an Interior Designer, most recently at Group Mackenzie — she traveled and lived internationally, where she was able to grow creatively. Using her experience as an Interior Designer has prepared her for the various facets of the real estate profession.Embracing modern methods and coupled with a business model grown organically from referrals and past clients allows Tosha to focus her time with clients to help them reach their goals.
TOSHA'S APPROACH
Tosha's approach to real estate is straight forward: She treats others as she would like to be treated. One question she continually asks herself is: "Is this in the best interest of my client?" Tosha aims to serve the buyers and sellers in Manzanita and surrounding communities with integrity, excellence and honest representation. She prides herself on creating and cultivating lifelong relationships with clients and becoming a resource within the community for years to come.Her goal is to help her clients achieve their real estate goals without taking shortcuts. She is sensitive to a client's unique needs and spends most of day getting to know them and making sure everyone is on the same page with what is most important to them. Tosha strives to provide high-standards for service in terms of timely response, professional behavior, and the customer aspirations. She encourages her clients and community to use her as a resource for market knowledge, pre-selling tips, remodeling, and local events.
As your real estate broker, she offers progressive marketing, local knowledge, and expertise. She loves to help people in any way she can and would gladly help you find your coast living room!
INTERESTING FACTS ABOUT TOSHA
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- Raised on the North Oregon Coast. Neah-Kah-Nie High School grad
- Tosha lives on the Nehalem River. She loves hiking, beach & river days, scuba diving, biking...truly, anything outdoors!
- Tosha's first internship was at SmithCFI, as a commercial furniture designer.
- After college, she packed her bags and lived/worked in Bilbao, Spain for a few months.
- Bachelor of Science, Oregon State University, Interior Design
- Bachelor of Science, Oregon State University, Housing Studies
- What is Housing Studies?: Along with residential design, it focuses on housing for the elderly, real estate finance, sociological aspects of housing and affordable housing policies.
- Top 10% of REALTORS® in Clatsop Association of REALTORS® (number of homes sold - 2015, per MLS)
- T: 541-231-5829
- F: 503-961-8224
- tosha@coastlivingre.com
F
503-961-8224