11 Ways to Uncover Your Personal Color Palette

Where do you find the colors you love? And just because you love a hue, does that mean it’s right for your walls? Let’s take a closer look at color inspiration. Here you’ll find tips for how to get your creative juices flowing and zero in on the color palettes that speak to you.

Your Personal Color Palette

Be Inspired by a Landscape You Love

Choosing your paint colors based on hues that occur together in nature takes some of the guesswork out of paint picking. The beach is the quintessential example of taking the landscape to a color scheme — the hues of sand, water and sky work beautifully as paint colors, as well as on furniture and accessories.

Snap Pictures of Colors that Inspire You on Walks and Travels

Carry a camera and capture those little details that inspire you as you see them. Taking quick snapshots with your camera phone is fine — the point is more in the noticing than in the quality of your pictures. Sometimes the spirit of a place really shines through in the colors used there, so mine those old vacation photos for inspiration, too.

Notice the Subtle Hues that Move You

Not everyone is drawn to bold, clear colors; that is only one small slice of the spectrum. Pay attention to the subtle hues and particular shades that move you, as these can become great color palettes. Perhaps you are drawn to the rich browns of worn leather and old wood. If you love blue, is it midnight, pale aqua or French blue? Get specific.

Try Doing a Color-a-Day Experiment

This practice is a workout for your creativity and visual sense. Look for shades of one color to photograph each day, until you have covered them all. Keep your eyes peeled for pretty veggies in the produce bins, graffiti on a brick wall, a row of colorful binders in your office — nowhere is off-limits.

Look to the Branding of Good Restaurants, Shops, and Other Businesses

Shops are often great places for finding color schemes, since great care was taken to design them in an appealing way. The next time you walk into a shop or restaurant and find yourself really enjoying the atmosphere, stop and ask yourself why. Take a closer look at your surroundings — is it the paint color that makes you feel good? Try to begin naming what really works for you.

Pay Attention to Shop Displays

When you’re inside a shop, pay special attention to beautiful displays of objects and flowers — especially color combinations that catch your eye. Notice which color was used in a larger swath and which color punctuates the arrangement. For instance, you may be drawn to a display of sunshine-yellow mugs, but upon further thought realize it’s the deep blue tile wall in the background that really makes it for you.

Consider the Architecture of Your Home and the Region You Live In

What colors are typically used to play up the sort of house you have? Noticing doesn’t mean you have to follow suit, but it can help guide you in your process. Southwestern homes, for instance, tend to feature rich earth-tone colors, which complement the landscape beautifully.

Aim to Complement What You Already Own

Look at what you already have in your home — do you tend to be drawn to bright, statement-y furniture with bold colors and patterns? If so, you may want to stick with neutral walls that won’t compete. If your furniture taste runs to white, white and more white, perhaps a subtle (but not white) neutral would add interest to your clean aesthetic. Assess the finishes in your home (floors, counters etc.) as well, since you can use them to find complementary wall colors.

Cast a Wide Net in What You Read for Inspiration  

Decorating books are wonderful, of course, but also consider looking to graphic design, photography and garden books, and all sorts of magazines for inspiration. Save images that call out to you and begin a collection.

Experiment with Inspiration Boards

A board that works for another person may not work for you — so try out different methods until you hit on something that feels fun. Some may love the physical act of cutting and tacking up tear sheets to a board; others may find that fussy. Collect items in a tray or basket, create an ideabook on Houzz, slide your finds into a binder or stuff everything into a big folder.

Learn to Translate What You See

Picking colors for your walls is a highly personal process. The best way to learn about what works for you is to start paying more attention to color … everywhere. Whether you are choosing colors on your own or working with a pro, this will hone your color sense and make picking paint a better experience all around.

Sourced from the Windermere Blog

Posted on February 14, 2018 at 9:32 am
Dempsey and Phelps | Category: Uncategorized

New Housing Permits Up In Bend

Construction works at a prefabricated house (l...

Construction works at a prefabricated house (light-frame construction) Deutsch: Montage eines Fertighauses (Holzrahmenbauweise) (Photo credit: Wikipedia)

“According to city records,  the city of Bend has issued 89 building permits in the first quarter of the year for new,  single family homes.   This is the highest rate for a first quarter in the last 5 years, sparking optimism for a robust summer season in the housing construction and real estate industries.

This is an 89 percent increase over last year, when 47 permits were issued in the first quarter.  If the pace continues, it could indicate that the region is headed in the right direction for a housing recovery.”  Oregon Legal Journal, By Lori Gleichman, April 19, 2012

Looks like we are shifting into a sellers market.  Is it time to list?

Posted on April 30, 2012 at 1:56 pm
Dempsey and Phelps | Category: Buying a Home, Home Sales, Local News, Real Estate, Uncategorized

Consider This, Before You Buy

This is the best time to buy a home in recent history.  Homes valued at 1/3 of what they were a few years ago and all time low interest rates have created a big opportunity.  But before you buy be sure it is the right time for you.  These ten tips are worth considering before you purchase.

If you can’t stay put, don’t buy

If you can’t commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner.

Check your credit report, with a fine tooth comb

Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. Before you start house hunting, get copies of your credit report. Make sure the facts are correct, and fix any discrepancies you discover.

Purchase within your budget

The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary. But you’ll do better to use one of many calculators available online to get a better handle on how your income, debts, and expenses affect what you can afford.

If you can’t put down the usual 20 percent, you may still qualify for a loan

There are a variety of public and private lenders who, if you qualify, offer low-interest mortgages that require a down payment as small as 3 percent of the purchase price.

A good school district does make a difference

When it comes time to sell, you’ll learn that strong school districts are a top priority for many home buyers, thus helping to boost property values. So even if you don’t have your own children, this is a factor to greatly consider.

Get professional help

Even though the internet gives buyers unprecedented access to home listings, most new buyers (and many more experienced ones) are better off using a professional agent. The team of Rinehart, Dempsey & Phelps have your interests at heart and can help you with strategies during the entire house hunting/bidding/purchasing process.

Choose carefully between points and rate

When picking a mortgage, you usually have the option of paying additional points — a portion of the interest that you pay at closing — in exchange for a lower interest rate. If you stay in the house for a long time — say three to five years or more — it’s usually a better deal to take the points. The lower interest rate will save you more in the long run.

Get pre-approved before you start looking

Getting pre-approved will you save yourself the grief of looking at houses you can’t afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.

Do your homework before bidding

Your opening bid should be based on the sales trend of similar homes in the neighborhood. So before making it, consider sales of similar homes in the last three months. If homes have recently sold at 5 percent less than the asking price, you should make a bid that’s about eight to 10 percent lower than what the seller is asking.

A home inspection is a must

Sure, your lender will require a home appraisal anyway. But t

hat’s just the bank’s way of determining whether the house is worth the price you’ve agreed to pay. Separately, you should hire your own home inspector, preferably an engineer with experience in doing home surveys in the area where you are buying. His or her job will be to point out potential problems that could require costly repairs down the road.

Posted on April 5, 2012 at 7:19 am
Dempsey and Phelps | Category: Buying a Home, Home Sales, Local News, Real Estate, Second Homes, Uncategorized | Tagged , , , , , , , ,

Pending Home Sale Rise

Pending home sales are on an upward trend, which has been uneven but meaningful since reaching a cyclical low last April.

Headed into the spring buying season, experts say the trend in contract activity implies we are on track for a more meaningful sales gain this year. With a sustained downtrend in unsold inventory, this would bring about a broad price stabilization or even modest national price growth. Job gains, high affordability and rising rents are hopefully pushing the market into what appears to be a sustained housing recovery.

Here in Bend we have less than a one month supply of homes that are priceed $300,000 and under.  However this has not translated into increased sales prices, yet.  Near record low interest rates makes it a good time to buy.

Posted on March 12, 2012 at 8:17 am
Dempsey and Phelps | Category: Buying a Home, Home Sales, Local News, Real Estate, Uncategorized

Buyer’s Market or Seller’s Market?

English: Bend, Oregon seen looking west from P...

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The traditional definition of a balanced market is when there is a 6 month of supply of housing inventory.  Less than 6 months represents a Seller’s market and more than 6 months, a Buyer’s market.

Our supply of homes has been dropping every month since July 2011. The month of July, 2011 began with approximately 640 homes which was the highest available all year.  Roughly 114 homes sold in July, which represented 5.6 months of supply. By January 1, 2012 there were only 456 homes available in Bend and 228 were sold, which calculated to a 2 month supply.  Under $300,000, there is less than one month supply of inventory.  Consequently, there are multiple offers and disappointed buyers.  However, this hasn’t translated into increased sale prices, as of yet.  In fact, average sale price has been running pretty flat for several months. We believe the prices haven’t increased as we still have quite a few distressed properties that are holding prices down.  In fact, there is good news on that front too, as Notices of Default (the first step towards a foreclosure) are down considerably with only 95 recorded in January, the lowest single month since January 2008.

This information coupled with near record low interest makes it a good time to buy and a good time to sell.

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Posted on March 5, 2012 at 8:11 am
Dempsey and Phelps | Category: Acreage, Buying a Home, Home Sales, Local News, Ranch Property, Real Estate, Second Homes, Uncategorized

The Mortgage Settlement, and What You Need to Know

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After reading the article below provided by the National Association of Realtors, we aren’t convinced that government intervention is the solution to the housing situation. It will be interesting to see how this plays out.  Does this make good sense for the overall the public or is it an election year play?

A settlement announced this week among state and federal officials and the nation’s five largest banks is the largest joint state-federal settlement in history against an industry. The settlement, which amounts to somewhere between $25 billion and $26 billion, is aimed at fixing some of the mortgage abuses over the last few years that caused people to lose their home.

Home owners underwater on their house or struggling to make payments may have something to gain from the deal. Home owners who are eligible for payments or principal write-downs on their mortgage from the settlement will be notified by mail within the next nine months.

In the settlement, banks have agreed to write off a sum of the mortgage principal in select cases where home owners are struggling to make payments. Home owners will then be able to refinance and lower their monthly payments. Underwater borrowers also may receive aid, such as being able to refinance so they also can lower their monthly payments.

To read the full article, click here

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Posted on February 14, 2012 at 7:45 am
Dempsey and Phelps | Category: Buying a Home, Home Sales, Local News, Real Estate, Uncategorized

Why We Love Bend

Drake Park in early Autumn.

Image via Wikipedia

Coming to visit or want to know why you should?  Below are a few of the  reasons we love Bend and think you will too!
Courtesy of Go-Oregon. For the full article, and details on the surrounding Central Oregon cities, please go to http://www.go-oregon.com/Bend/
Located in the foothills of Oregon’s Cascade Range and edged by Ponderosa pine forest,the city of Bend sits on a high desert plateau, a modest urban hub that is very nearly Oregon’s geographic center and most certainly its recreational heart.  At an elevation of 3,628 feet, Bend’s climate is typical of the high desert plateau,  boasting cool nights and  sunny days to lure in anyone hoping to escape the gray skies of winter (and coastal rains) or revel in warm-weather pursuits come summer. Home to nearly 70,000 souls and counting, it is now Central Oregon’s most populated city and as those looking to relocate will tell you, a prime place to snag a piece of real estate (if you can).

Bend, which takes its name from an easy ford of the Deschutes River, provides convenient access to a variety of natural environments and despite it’s burgeoning population retains a rather atmospheric, small-town feel. To the east is traditional high desert vegetation dominated by junipers and sagebrush. To the west, Forest Service land provides a broad range of recreational opportunities including downhill and cross-country skiing, hiking, rafting, camping, fishing, and rock climbing – not surpringly, there are outfitters galore on hand to provide equipment for the sport of your choice, from bikes in summer to skis in winter. Bend has also become a Central Oregon mecca for golf, with one area course recently named by Golf Digest as one of the 10 best in the state.


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Posted on October 17, 2011 at 8:48 am
Dempsey and Phelps | Category: Buying a Home, Home Sales, Real Estate, Second Homes, Uncategorized, Vacation Homes

Is Now the Right Time for You to Buy?


Image by james.thompson via Flickr

Food for thought for those of you who are weighing the option of buying.  We’ve said again and again how the interest rates are at an incredible low right now, but there are other things to consider before taking the “leap”.

How stable is your employment? Has your company been experiencing lay-offs or are they hiring? Do you have at least an 8-month emergency fund in case you get laid off or become too sick to work? If not, things could quickly spiral out of control.

Real estate can be a way to build long-term wealth. Your home can be one of your largest assets. These do not happen overnight, however. Are you planning on remaining in your new home for at least 3 to 5 years? It will take at least that long for you to break even financially when you sell.

Having a place of your own can be priceless. Just be sure you are truly ready to buy before entering the market.

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Posted on August 29, 2011 at 7:43 am
Dempsey and Phelps | Category: Buying a Home, Real Estate, Uncategorized | Tagged , , , ,

Lifestyle vs Location

Drake Park in early Autumn.

Image via Wikipedia

When selling a home, the thought was always “location, location, location’. As the market changes so has the focus- lifestyle options are now a priority for buyers and how the surrounding community can affect their decision to buy or not to buy.
Often sellers focus predominantly on their home and the upgrades and amenities. While those features are very important, remember that practically any home can be remodeled. If you’re in an excellent location with easy freeway access, on a low traffic street in a friendly neighborhood, surrounded by retail stores and hot dining spots, it’s time to play it up. Those features aren’t always easy to find.

Of course, here in Bend it’s a quick drive to so many amazing things it’s no wonder we see Bend listed as the 2nd best housing market for the next 5 years!

Posted on August 10, 2011 at 7:48 am
Dempsey and Phelps | Category: Home Sales, Local News, Real Estate, Second Homes, Uncategorized, Vacation Homes | Tagged , , , ,

4 Reasons Not to Delay Your Mortgage

Fannie Mae y Freddie Mac bajo tutela estatal a...

Image by trackrecord via Flickr

Need a reason to get moving on your mortgage? 
 Here are 4 reasons to not delay:
 By the Second Quarter of 2012
  • Fannie Mae predicts an interest rate of 5.6 percent
  • PMI predicts an interest rate of 5.95 percent
  • Freddie Mac predicts an interest rate of 5.6 percent
  • The National Association of REALTORS predicts an interest rate of 5.9 percent
If you are looking to buy a house and are waiting to see what will happen with prices in the future, remember that interest rates will have an impact on your housing cost.  Take advantage of the all time low in interest rates now by contacting us to help you in your search for the perfect home!
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Posted on August 3, 2011 at 7:28 pm
Dempsey and Phelps | Category: Home Sales, Real Estate, Uncategorized