14901 24 8

14901.24.8 Cover_LiveEditCover 11/5/2015 9:09 AM Page 1

In this issue: Which Lending Option Is Right For You?

THE

Real EstateBook® Volume 24, Issue 8

NORTH KING AND SNOHOMISH COUNTIES, WA

COVER HOME: Live and Play on Snohomish’s desirable Dutch Hill!

Property details on page 6.

Get more photos and details from your phone.

CONTACT: Lynette Thomas (425) 953-4090 Windermere RE/Mill Creek lynette@windermere.com

Text P849857 to 85377

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401.

TO ADVERTISE, CONTACT: Sharman Burnam 360-333-9566 RealEstatePS@aol.com

fÇÉ{ÉÅ|á{ 14901.24.8 WRESnoh 11/6/2015 10:34 AM Page 1

Windermere

R E A L E S TAT E

Windermere Real Estate / Snohomish, Inc.

BREATHTAKING MOUTAIN VIEWS

SPARKLING ESTATE ON 1 ACRE

SNOHOMISH - A fantastic opportunity to build your dream home on Dutch Hill. Private, quiet 5 acres lot mostly cleared, with endless options, perfect for barn & pasture. $275,000 360-568-1537

MONROE - Like new! 4 car garage + parking and room for your toys. Expansive chef’s kitchen w/ new granite, carpeting, paint, oak floors, central vac, wainscoting. Much more! $505,000 360-568-1537

SNOHOMISH - Regal Home on 2.5 pastoral acres near Riverview Elementary on Fobes Hill. Backs to Native Growth Protection Area. Grand entry, curved stairwell, mtn views. $569,000 360-568-1537

SULTAN A little over 5 building acres in Sultan off Sultan Basin Road. Mostly level with trees and undergrowth. Buy both lots for 10+ acres of peace and tranquility! $75,000 360-568-1537

IDYLLIC RURAL SETTING

DELIGHTFUL DOWNTOWN TOWNHOME

TWO SIDE-BY-SIDE LOTS AVAILABLE

CLASSIC FARMHOUSE ON 10 ACRES

SNOHOMISH Spacious & charming! Wide open great room, dining & kitchen, w/ private patio & yard just outside your back door.

Lovely Master Suite w/ views. $249,950 360-568-1537

SNOHOMISH - First time on the market in over 60years!

Original millwork, vintage hardware, doorknobs and fir floors.

Nostalgic red barn & detached carriage house. Zoned R5. $850,000 360-568-1537

EVERETT Sprawling 3200+ SF, 5 BD+ den rambler w/ daylight basement. Chic kitchen w/ cherry cabs, quartz counters & upscale appls, & gleaming hardwood floors. $520,000 360-568-1537

SNOHOMISH - 4 BD, 2.75 BA, 3810 SF w/ mountain, river & territorial views. Completely remodeled! Granite counters, cherry cabinets. Huge RV garage & shop w/ full hookups. $699,000 360-568-1537

MOUNTAIN & VALLEY VIEWS

VIEW HOME ON CLEARVIEW HILL

Office: (360) 568-1537

wre.sno@windermere.com

Windermere Real Estate / Snohomish, Inc

731 2nd St, Snohomish, WA 98290

14901.24.8 EdmondsRE 11/6/2015 10:21 AM Page 1

425-921-2200 www.edmondsrealty.net Edmonds Realty, for the Entire Puget Sound Area $6

23

,00

Dennis Howard Owner

Lucille Noël Owner

0

$9

MUKILTEO - ON THE 13TH HOLE 4 BD on large lot, circular floor plan, gorgeous vaulted entry, spindled staircase. High-end finishes, wainscoting, crown moulding. Living w/ marble fplc & cathedral ceiling. MLS/ID:798983 Text P725702 to 85377 $2

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FOR RENT Commercial & Residential

Edmonds Realty is fully equipped to meet all your needs, from helping you find a rental at the right price to managing your investment property.

To see a list of properties available, visit

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MUKILTEO - GROUND FLOOR UNIT Well-maintained gated community. Convenient kitchen, living rm w/ fireplace & slider to huge covered patio. Large master. Covered parking. Clubhouse & pool. MLS/ID:854747 Text P850788 to 85377 $5

EVERETT - COMMERCIAL 210’ Evergreen Way frontage Zoned B2. Located in highest density mixed use zone of Evergreen Revitalization Plan. Two buildings. Multiple development possibilities. MLS/ID:847337 Text P473060 to 85377

,00

MUKILTEO - STRIKING SOUND & MOUNTAIN VIEWS 4 BD, 2 BA w/ new 50 year roof. Master bath w/ 5 piece MB. Newer furnace/water heater. Grand staircase. 3,618 SF of elegance!

Huge 2nd rec rm. MLS/ID:844567 Text P818977 to 85377 $2

ARLINGTON - CHARMING PERIOD HOME Modernized 4 BD, 2 BA, 2560 SF w/ classic hardwood floors, highly functional built-ins, beautiful dining room, bonus rm, huge rec rm, bar, MORE! MLS/ID:858451 Text P850787 to 85377 ,1 $2

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75

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BELLEVUE - BRING YOUR VISION 3 bd w/ excellent bones.

Upgraded roof, exterior & interior paint, kitchen. New laminate floors up & down. Oversized lot w/ fruit trees. Garage converted to rec rm/shop. MLS/ID:863866 Text P851068 to 85377

Services offered • Day to day operations & maintenance • Collections & Accounts Payable • Reporting & statement preparation • Yearly budgets & More

Call 425-921-2200 to discuss how Edmonds Realty can make owning investment properties trouble free.

www.EdmondsRealty.net/commercialresidential-rentals.html

14901.24.8 WendySmith 11/6/2015 10:33 AM Page 1

HUD

Save

Thousands!

Homes!!

Equal Housing Opportunity

$1

22

,7 2

HUD Home

BLUE SPRUCE across from river! 4 BD, 1.5 BA on large 3/4 acre lot & culde-sac. Big entertainment size deck. Nice community w/ club house &seasonal pool. #R240

0 0, 20 $7 0 ,0 0 25

For More Info Text P634502 to 85377

VIEW RIDGE RAMBLER w/ daylight basement on a secluded 1/2+ acre! Living/dining rm w/stone fireplace, lg deck, large rec room w/wet bar. Sprinkler sys. #R241

,0 0

0

79

,9 5

$2

79 $2 For More Info Text P297395 to 85377

EVERETT RAMBLER on .24 acre lot w/ room for all your toys! Near Boeing & I-5 for easy commute. Large family room w/ vaulted ceilings & formal sitting area. #R301

Wendy Smith

Page 4

For More Info Text P833425 to 85377

0

For More Info Text P633826 to 85377

CUTE CABIN STYLE HOME on nearly 1/4 acre secluded lot. 3 BD w/ one on main floor.

Vaulted ceilings, skylights & wood burning fireplace.

Storage shed. #R308

0

8

For More Info Text P847652 to 85377

HUD Home

,9 5

$1

ARLINGTON 3 BD, 1.5 BA rambler w/ lg living room w/ laminate floors.

Large fenced yard w/ a wrap around porch & storage shed.

Large 2 car garage. #R318

For More Info Text P837106 to 85377

CAMANO ISL Open floor plan 3 BD, 2 BA MH w/ vaulted ceilings & wood burning stove. Deck off front entrance.

Nice .24 acre yard. Home needs some TLC. #R312

$1

HUD Home

20

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0

For More Info Text P486804 to 85377

HUD Home

95

$2

DUPLEX Quiet Marysville nbhd.New on market! Each side features 2 bedrooms, 2.5 bathrooms, spacious living room, larg yard and upper deck. #R315 HUD Home!

$3

HUD Home

80

,0 0

0

FREE HUD Home list call 360-454-0629 or visit www.Hudhomestore.com

For More Info Text P247866 to 85377

ABSOLUTELY ADORABLE Arlington 3 BD, 1.5 BA. Large living room w/ fireplace, sun rm/dining w/ built in hutch.

Wood floors throughout. Detached 2 car garage. #R290

(360) 454-0629 4salebywendy@gmail.com

14901.24.8 Karen Himalaya_9300.QXT 11/6/2015 10:23 AM Page 1

FREE 4% down payment assistance CLASS

Marysville Windermere. 2015 New Loan Programs.

Call 425-238-2023 for class schedule.

Karen Eckerson

(425) 238-2023

Windermere Real Estate / JS

$3

25

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keckerson@windermere.com

www.karen.withwre.com

SELLER SAYS SELL! Beautiful park-like setting. MIL potential w/ 3 BD, 2 BA on main w/ master ensuite. Chef’s kitchen w/ loads of Cabinets. 2 BD, 1 BA, LARGE family rm w/ full kitchen in fully finished daylight bsmnt. Jetted tubs in both gorgeously tiled bathrooms. Huge deck overlooking luscious backyard. Shop, Garage, Storage, Gas FP up, wood burning FP dn. RV Space. WOW! For more photos and information, Text P823292 to 85377 $2

59

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$1

BREATHTAKING VIEWS Remodeled Kitchen w/ Corian, rich Hickory Cabinets, NEW laminate floors & SS appliances. Workshop. Three beaches.

Text P813819 to 85377

99

9 ,9

9

BED & BREAKFAST Victorian built in 1896. Commercial kitchen. On the main hwy in Davenport WA, with great exposure. Double lot, large garage.

Text P487573 to 85377

$3

00 9,

0

DIAMOND POINT Building lot on private cul de sac. Just a short drive to Sequim. Airstrip access & Community beach w/ small boat launch.

Text P743100 to 85377

Our Focus Is Residential Property Management

We specialize in managing residential properties in Snohomish and Skagit Counties

Let us help you get the most out of your investment For more information, Call 425-870-9282. www.HimalayaPropertyManagement.com

“OUR FOCUS IS ON YOUR INVESTMENT”

Now Accepting New Properties Stacey Salyer

Designated Broker

Stacey@HimalayaHomes.com

Melanie Maddy Property Manager

Melanie@HimalayaHomes.com

Page 5

14901.24.8 masthead_Masthead_Full 11/6/2015 10:24 AM Page 1

ON THE COVER

DUTCH HILL HOME & 3 SHOPS ON 4.65 ACRES

Poolhouse

AMAZING CUSTOM RAMBLER 4 BD, 3 BA, 3326 SF w/ great room floor plan & first-class finish work. Heated floors, slab granite and maple cabinetry, sumptuous master ensuite, chef’s kitchen with all the bells and whistles. Outdoors there are THREE garage/shops (room for 10+), car lift, heated concrete flooring, party rooms, custom built-in bar, entertaining patios, waterfall, pond and more. River rock + cedar exteriors. Everything is overbuilt and spectacular in quality. $1,275,000 For more information, Text P849857 to 85377

Lynette Thomas 425.953.4090

lynette@windermere.com Premier Director Equestrian | Homes on Acreage

Real Estate solutions for Real people.

Own a house you don't want?

Need to move soon?

We buy houses & property.

Windermere Real Estate/Mill Creek

LOCAL PRINT * DIRECT MAIL

For Advertising information in THE REAL ESTATE BOOK North King & Snohomish Counties featuring....

Arlington = Stanwood = Camano Island = Tulalip Marysville = Lake Stevens = Granite Falls Snohomish = Monroe = Sultan = Everett Mill Creek = Mukilteo = Lynnwood = Bothell Woodinville = Redmond = Kirkland Bellevue = Edmonds = Shoreline

Scan the QR Code to shop homes from your mobile phone!

SnoCo Investments CALL NOW (360) 348-7420 info@snocoinvestments.com

Mary Dessein Manager www.SnoCoInvestments.com

Page 6

Sharman Burnam (360) 333-9566 NKSads@aol.com

ONLINE Visit www.TheRealEstateBook.com to search properties.

ONLINE * SOCIAL * MOBILE

14901.24.8 PamLeamer 11/6/2015 10:52 AM Page 1

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RE/MAX GATEWAY 914 15th St. Anacortes WA 98221

(360) 631-7518

leamerpam@gmail.com

$

29 1,

00 9,

100 FEET OF SIMILK BAY WATERFRONT Concrete bulkhead & boat ramp! Fabulous view of Mount Baker and beautiful bay. Grow your own oysters! Quality craftsmanship with too many luxurious amenities to list.

To see more photos, Text P813837 to 85377

0

1.93 acres & 3500 SF shop 3 $3

00 9,

0

6 $3

LUXURY APPOINTMENTS & valley views! 3 BD, 3.5 BA, 2343 SF condo.

Hardwood floors, slab granite. Master bedrooms on main & lower level. Rec room + 2 BD & BA on lower level.

Text P813836 to 85377

REAL ESTATE BUSINESS

00 9,

0

NEW CONSTRUCTION! 3 BD, 3.5 BA, 2417 SF w/ spacious kitchen & eating bar. Hardwood floors, slab granite, tile finishes. Gorgeous master suites on main & lower level. Two gas fireplaces.

Text P813835 to 85377

FOR SALE

VALLEYS WEST REALTY •

• • • • •

IL BU

has been at the same prime Concrete, WA SR 20 location for over 35 years.

4HIGH VSIBILITY 4New Building 4Very busy office 4LOTS of Walk-ins 4Repeat Business

This is a great opportunity to own your future in a wonderful rural location in eastern Skagit County.

My retirement is your opportunity! $27,000 (Terms) Inquiries call Greg (360) 708-9707

For more photos & info TEXT T206417 to 85377

ET ER V E

D

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LOTS FROM $84,500 TO $140,000 Nookachamp Hills, minutes from I-5, shopping, theatres and restaurants.

Water sports, walking trails & golf near.

Utilities incl. Skagit PUD water at lots.

Text P757338 to 85377

T

REFINISHED HARDWOOD FLOORS Solid 4 BD brick home on 3 lots. Gas fplc & heat, updated electric panel. Detached garage. Former Monte Cristo Award Winner. $389,950 Text P781445 to 85377 W AN ST

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O

D

NICE 4 BD, 2 BA Spacious, fenced backyard w/ lg deck for entertaining. Newer 30 year comp roof & Hardiplank siding.

Oak cabinets, stainless finish dishwasher & stove. $272,950 For more photos & info, Text P834635 to 85377

Robin Hammond MS, GRI, ASP (425) 343-2584

robinhammond@windermere.com

Windermere Real Estate / JS Page 7

14901.24.8 EagleMort_JimEyre 11/6/2015 10:20 AM Page 1

Page 8

WHICH LENDING OPTION IS RIGHT FOR YOU? Whether you’re looking to make a first-time purchase, refresh an existing home, or simply leverage built-up equity for other reasons, it’s important to figure out which path is right for you and understand the lending options available. irst-time buyers must start with F determining what is affordable. In addition to the mortgage payment, housing costs will include property taxes and homeowners insurance and fees, such as homeowner association dues. Altogether, costs should be no more than 28 percent of monthly gross income and should leave room to continue servicing other debt, such as student loans, credit cards, or auto loans.

When preparing to buy a home, work through credit pre-approval to be ready with a strong offer when the opportunity arises.

In addition to reviewing credit history, a loan originator will consider the amount of the down payment. A down payment typically ranges from 3-20 percent. A down payment that is less than 20 percent may require you to purchase mortgage insurance. A mortgage originator, however, can provide a variety of lending options to optimize your investment, from 15- and 30-year mortgages to fixed and variable terms.

If planning to make some improvements to a much-loved residence, consider financing the

updates through a home equity line of credit (HELOC). Eligibility depends on how much equity has been built up in the home and the lender’s loan-to-value ratio. A HELOC works much like a credit card and offers flexibility.

A minimum amount is paid monthly, and interest applies to the amount borrowed.

Before embarking on a remodeling project, do some homework. Start with the lender to determine the value of the home and the loan amount available. Then, establish a budget that leaves room for unexpected expenses.

Work with a reputable professional to define the project and its requirements, and shop around for bids and recommendations to confidently select a contractor. Some lenders offer checklists to help get the most from the investment.

Remember to consult a professional for advice applicable to your specific situation. Begin with a lender who can help you identify financial options available to homebuyers and owners today. With careful planning and budgeting, the financing you need may be well within reach.

Who says you have to suffer through the whole winter season?

You can easily take advantage of beautiful destinations while staying on a budget. Say goodbye to that cold and dreary winter vacation and spend it someplace better.

Bring the whole family, too!

If you’re not sure where to start, don’t worry. Whether it’s snow skiing or sun bathing on the beach that you’re after, The Real Estate Book has come up with a helpful list of vacation spots, where you can effortlessly cure your wintertime blues. Visit RealEstateBook.com to browse even more properties!

Ski Spots Silverthorne, CO Beautifully situated in the Colorado Rocky Mountains, Silverthorne offers both visitors and residents breathtaking scenery you won’t find anywhere else. There is always something to do in Silverthorne. And if you like skiing, well, let’s just say you’re in for a treat. You’ll have easy access to four world-class ski resorts just within the Summit County limits.

Mammoth Lakes, CA The lovely town of Mammoth Lakes is surrounded by two million acres of Inyo National Forest, where you’ll also have access to the Mammoth Lakes Trail System, which features more than 300 miles of trails. Additionally, there are countless mountain resorts where you can ski to your heart’s content!

Beach Spots Honolulu, HI Located on Oahu’s south shore, enjoy your winter vacation in Honolulu, Hawaii’s capital city. Soak up some rays on the beach or explore the Waikiki neighborhood’s dining, shopping, and awesome entertainment.

San Juan, PR Puerto Rico’s largest city and capital, San Juan, sits on the island’s Atlantic Coast. Spend your winter vacation on the most amazing beaches and entertaining attractions for the whole family.

West Palm Beach, FL Escape the cold during wintertime by renting a home in West Palm Beach, one of Florida’s best and most enjoyable destinations. You’ll never run out of things to do and may not want to leave when winter is over!

Corpus Christi, TX Come and stay for a while in Corpus Christi, a charming coastal city in the South Texas region. You’ll have convenient access to the best beaches, bay front promenade, and even cultural entertainment in the arts and museum district.

HOW LONG WILL YOUR HOUSEHOLD FIXTURES LAST? Many maintenance projects for homeowners involve replacing an outdated appliance or fixture, but it can be difficult to discern when a household feature needs replacement. One way to determine how often you should replace items is by its typical lifespan.

Fortunately, a lot of household fixtures won’t need expensive replacements for some time. Garage doors, gas fireplaces and linoleum floors are expected to last 25 years.

Whirlpool bathtubs and sink faucets can last up to 20 years. Gas ovens and garage door openers may last 18 years, given proper care.

Other common appliances and fixtures, however, wear out more quickly. Though washing machines are expected to last 15 years, dryers are expected to last 13. Refrigerators can last up to 13 years, as well.

Source: RISMedia’s Housecall

THE NUMBERS GO DOWN FROM THERE: Food Disposals, Water Heaters (12 years) Plasma Televisions (11 years) Lawnmowers, Carpets (10 years) Microwaves, Dishwashers (9 years) Air Conditioners (Window Unit), Mattresses (7 years) Rugs (5 years) Laptops (4 years) Roomba, Keurig Coffee Maker (2 years) And the fixture that lasts longest? Coming in at 45 years, your doorbell will likely continue to operate after you’ve moved on from your current home.

10201.24.8 COPAC 11/6/2015 10:35 AM Page 1

2014 AWARD OF EXCELLENCE

14901.24.8 FooteCK 11/6/2015 10:11 AM Page 1

WASHINGTON HUD HOME BUYING SEMINAR TIPS & SECRETS

Great for 1st Time Home Buyers or Investors. Limited Seating.

6120 Grove, Marysville Library December 1, 2015 6-8 PM

How to buy a HUD-owned home

MARYSVILLE - Text P245868 to 85377 GREAT LOCATION! Spacious & functional kitchen w/ plenty cabinet space. Fully fenced back yard is large with covered patio so you can enjoy year round grilling. Close to great shopping, schools, I-5 DEAL OF THE MONTH and Hwy 9.

MARYSVILLE - Text P168527 to 85377 BRIGHT & AIRY Superb kitchen w/ slab granite counters, great cabinets, & island w/ bar. Open floor plan flowing from kitchen, living area, & eating space.

Fireplace for nice ambiance and warmth. FHA 561972598. Sold As Is.

*What is a HUD Home? *Where can you find HUD homes for sale? *How much do you qualify for and what will your monthly payments be? *How to make an offer on a HUD home, and More.

For More Information or to Register

Call 425-239-1184

LAKE STEVENS - Text P192172 to 85377 FABULOUS KITCHEN Sizeable island, large cabinets, & lots of room to move.

One of the biggest backyards in the neighborhood!

Massive deck w/ built in bench seating. Spacious Master suite. FHA Case 561837282. Sold As Is.

Do You Know

the Current Market Value of your home?

If you are interested in selling, Please call for a Complimentary Value Update of your home.

HUD HOMES Terrific Values - Save Thousands

425-239-1184

Text any “P Code” to 85377 for Instant Viewing on your Phone

CHERIE RUCHTY Owner, Designated Broker

1402-C 7th Street Marysville, WA 98270 For more photos/info, Text P836524 to 85377

Page 14

425-238-7977

cheried@msn.com Office: 360-659-9751 www.KeystoneRentalsRealEstate.com Specializing in Property Management

MARYSVILLE LOW BANK WATERFRONT! Enjoy mountains, water and daily sunsets from living room or launch boat from private boat launch right on water. Multilevel custom home features kitchen, living, dining and Master Bedroom on main level. Bonus room and 1/2 bath lower level and 2 bedrooms, 1 bath upper level. Wood burning stove and Propane fireplace (tanks not included) and boiler furnace heat system. 2 car carport with storage attached to house, 2nd tax parcel has a two car garage + workshop. $668,000

Keller Williams NW RE, LLC

CKRealEstateTeam.com

14901.24.8 Haug Folk_0100 11/6/2015 10:22 AM Page 1

Brenda Haug 866-768-7910 Designated Broker/Owner

425-290-2125 (cell)

Land • Residential • HUD • Foreclosures

brenda.haug@hotmail.com www.brendasbestbuys.net

Making your dreams affordable 28 years of experience Text P272439 to 85377 7 $2

95 9,

0

$9

LIGHT & BRIGHT Arlington Rambler. 3 BD, 2 BA on 10,000+ SF lot. Very open floor plan w/ vaulted ceilings, plant shelves, new flooring. HUGE kitchen

Text P785377 to 85377

$

4 34

0 ,9

Text P821538 to 85377

0

49

Text P846471 to 85377 50 7,

0

42

0 ,0

0

GLENEAGLE Townhome 3 BD, 2.5 BA w/ open floor plan. Private yard w/view of golf course. Large Master BD w/ vaulted ceiling. Backs to 14th tee.

Text P517505 to 85377

4 $5

EMERALD GARDENS 3 BD, 2 BA condo. Very open floor plan! Large livingroom w/gas fireplace. Big kitchen.

Garage and assigned parking space.

95 9,

0

COUNTRY ESTATE 3200 SF on 2+ acres. Welcoming wraparound porch.

Bonus rm. In-ground heated swimming pool! 4 car attached garage, RV pkg.

Trust •

Se rv i c e •

Lilyan Folk

E xperience •

425.319.7197 lilyanfolk@comcast.net

H EN C IT K

SOUND VIEWS! Chef’s dream kitchen w/5 burner gas range & pot faucet, 2 dishwashers, 2 convection ovens, + abundant storage & heated tile floor. 2 masters + den/office/ 3rd BD. Utility/mud room, low energy hot tub, greenhouse, 4 view decks, garage w/workspace, and MORE! Text P272438 to 85377

S

$324,900

TW O

$595,000

Text P194075 to 85377 $2

QUALITY THROUGHOUT! 3 BD, 2.5 BA, 3340 SF. Grand entry & handicap accessable chair lift in garage. Master on main. Gardens, waterfall & patio.

8 $1

ARLINGTON 4 BD, 2.5 BA, 2324 SF w/ formal living & dining. Big kitchen w/ slab granite. Hardwood floors. Covered patio. Fannie Mae HomePath Property.

,0

00

RARE 5 BD, 3 BA HOME Floor to ceiling windows in liv rm plus skylight w/vaulted ceilings, gas log fireplace, brkfst bar, deck. Lower lvl possible apartment. Fannie Mae HomePath Property.

Text P157843 to 85377

Page 15

14901.24.8 MikeKillmer_1202 11/6/2015 10:25 AM Page 1

Great

HUD Homes

$$ Save Thousands $$

To see more info, text the T Code to 85377 TULALIP

LYNNWOOD

Text P813846 to 85377

Text P680364 to 85377

FIRETRAIL 3 BD, 2 BA, Over 1492 SF, Built in 2009, .46 Acres, Gourmet Kitchen Ad#835546 SNOHOMISH

Text T329994 to 85377

CLEARVIEW 3 BD, 2 BA, OVER 1792 sq ft, 1.37 Acres, New Woodstove, Den/4th BR Ad#854013 LAKE STEVENS

.95 ACRES 3 BD, 1 BA, 1442 SF, Large Rambler, Some Updates, 4-Car Garage/Shop Ad#767949

SNOHOMISH

Text P833862 to 85377

HISTORIC SNOHOMISH 3 BD, 2.5 BA, 1777 SF, Main Floor Hardwoods, Gourmet Kitchen Ad#848062 MARYSVILLE

GRANT MONEY BUYER CLASS

FREE Grant Money Towards Down Payment 425-876-4663

Text P833861 to 85377

NORTH MARYSVILLE 3 BD, 2 BA, Huge Fenced Backyard w/ 3 Decks, Family Rm, Master Suite Ad#852323 EVERETT

Call Today

and Ask for Your

FREE

Text P196261 to 85377

LARGE CORNER LOT 2 BD, 2 BA, OVER 1512 SF, 2-Car Detached Garage, Huge Fenced Yard Ad#854022

HUD Photo List!

(877) 736-8036 Or go to

www.mygovphotolist.com

Text P196345 to 85377

SOUTH EVERETT 3 BD 2.25 BA, Fireplace, Family Room, Large Gourmet Kitchen, Huge Yard Ad#861262

HUD Homes Specialist

Michael Killmer

(877) 736-8036 Michael@MikeKillmer.com

14901.24.8 C21 11/6/2015 10:12 AM Page 1

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TREB_USA_Filler_TextCode_Full:TREB_USA_Filler_TF37_Full

7/6/12

10:51 AM

MOBILE FEATURES IN OUR PRINT ADS

Text Codes*

found for listings in this magazine allow mobile phone users to instantly view a mobile site for more photos and details about the listing.

Send text codes to

“85377” for more information.

**Standard text messaging fees apply.

Learn about our marketing strategy for your home @

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Real Estate’s Most Trusted Multimedia Brand

Scan code to shop homes now.

Page 1

14901.24.8 Janice 11/6/2015 10:20 AM Page 1

JaniceSeth Text P312686 to 85377

Text P782436 to 85377

(425) 359-7747 janiceseth@gmail.com

Call me today for a FREE Market Analysis of your home or property!

GORGEOUS Text P782436 to 85377 4BD, 3.5 BA, 5000+ SF on 1.21 acres. 2-story entry w/ Juliet balcony, study w/ wood wainscoting, 8’ french doors.

Gourmet kitchen w/ Bertazzoni Italia double oven, 8x5 Calcutta marble isl. 4 car garage, RV pkg, Guesthouse. Cov’d deck w/ FP, BBQ Stub.

Snohomish $1,425,000 GORGEOUS REMODEL Text P312687 to 85377 Brand new kitchen w/ custom cabinets & slab granite. New wood floors.

Updated wiring & plumbing, new windows, and new carpet & paint.

Master suite w/ heated floors in BA. Lg garage + detached 160 SF studio/workshop. Huge level & fenced yard.

Everett $272,450

5 Great Locations to Serve you From: BELLEVUE

MARYSVILLE

BOTHELL

EVERETT

POSSESSION BAY Beautifully appointed 3 BD, 2 BA open concept rambler w/ vaulted ceilings & skylights.

Traditional kitchen w/ eating nook. Huge Master w/ 5 piece en suite bath & walk-in closet. Manicured landscape w/ drip irrigation system.

Unfinished basement.

Mukilteo $449,000

OVER 12 ACRES Riparian parcel, creek, zoned 17.03.075, possible short-plat for two dwellings per acre. Two sides w/ road frontage.

Great investment for home builder, equestrian estate. Two outbuildings on site, one w/ electricity.

Close to Cameloch Golf Course and shopping.

Camano Isl $245,000

NORTHGATE

Page 19

14901.24.8 WIN 11/6/2015 8:54 AM Page 1

Jamie Jasper WA Lic. #1181

Brian Fish WA Lic. #887

Mount Vernon / Whatcom 360.320.8133

Chad Knowles WA Lic. #307

Everett / Marysville 425.327.6188

Serving clients in Skagit, Whatcom & Snohomish Counties Page 20

Visit www.wini.com/winwa

Transform Small Spaces into Charming Places In home listings across the country, the word small is often replaced with a far more marketable and appealing word: “charming.” But what makes a home charming compared to small? How does a homeowner transition a cramped room into a space with unique and appealing character?

Create special spaces and storage Carefully consider the functions of any space, such as TV viewing, reading, or computer use, so that only the items needed for those specific functions are stored there.

Understanding how this space is utilized will make it easier to establish dedicated zones and supplies for each activity. Be sure to also create proper storage to manage and maintain a clutter-free home.

Make it larger with lighting Clearing a small home of its clutter will automatically make it seem larger. However, the illusion of more space can also be enhanced with proper lighting. The right lighting will also play a big role in helping create a more charming feel.

Recessed lighting is visually appealing and perfect for small spaces. You can also affect a room’s lighting with low-cost or no-cost solutions that make the most of the space’s built-in features. For example, highlight windows instead of covering them, or make the fireplace a focal point.

Add charming details Woodwork is another simple embellishment that adds instant character and charm without affecting usable space. A chair rail, crown molding, or even baseboards can help take a standard room and outline it with interesting architectural elements.

By managing clutter, using lighting to create bright and airy spaces and incorporating simple architectural elements, you can easily transform a cramped area into a charming and inviting room that you – or a potential buyer – can enjoy.

Source: ClosetMaid

HOME SECURITY TIPS TO LIVE BY Did you know that every 15.4 seconds, a burglary occurs somewhere across the United States? If you’re a victim, your family may be left feeling vulnerable and violated. So can you protect your home and loved ones?

Well, you should first understand some things about this crime.

WHEN & HOW DO BURGLARIES OCCUR? The majority of home and apartment burglaries occur during the daytime when residents are away from their house, most likely when they’re at work or school. Home theft is most frequent in the months of July and August, and the fewest burglaries occur in February.

According to the FBI, 70 percent of home burglars use some amount of force to enter a residence, but their preference is through an open door or window. Also, you may be surprised to know that homes are not randomly selected. Burglars look for unoccupied homes with the easiest access, greatest amount of cover, and with the best escape routes.

Fortunately, there are ways you can minimize your risk to keep your family and belongings safe. Here’s how to make your home look unattractive to burglars.

Source: Crime Doctor

1. DOORS & LOCKS

3. LIGHTING

The more difficult that your home is to break into, the less likely burglars will want to put forth the effort. The FBI recommends using high quality Grade-1 or Grade-2 locks on your exterior doors to resist twisting, prying, and lock-picking attempts. Consider implementing these additions in your home:

Keeping a couple interior lights on gives burglars the message that someone is home. If you don’t have one already, light timers are super inexpensive and easy to find. Use a light timer (even when you’re not on vacation) near the front and back windows behind closed curtains. You should also follow these rules:

•

Solid core or metal door for all entrances

•

Exterior lighting should allow 100 feet of visibility

•

Quality, heavy duty, deadbolt lock with a one-inch throw bolt

•

Use good lighting along the pathway and at your door

•

Quality, heavy duty, knob-in-lock set with a dead-latch mechanism

•

Use light timers or photo-cells to turn on/off lights automatically

•

Heavy duty, four-screw, strike plate with 3-inch screws to penetrate into a wooden door frame

•

Use infrared motion sensor lights on the rear of single family homes

•

Wide-angle 160° peephole mounted no higher than 58 inches

4. ALARM SYSTEMS

2. WINDOWS It is much more common to leave a window open or unlocked than a door.

If the burglar sees a home from down the street that has an open window, they will commonly choose that home to burglarize.

•

Secure all accessible windows with secondary blocking devices

•

Block accessible windows open no more than 6 inches for ventilation

•

Make sure you can’t reach through an open window and unlock the door

•

Make sure you can’t reach inside the window and remove the blocking device

•

Anti-lift devices to prevent window from being lifted out

•

Crime prevention or alarm decals on ground or on windows that are within reach

If used properly and consistently, alarm systems add a huge benefit to your home’s overall security. As a matter of fact, burglars will often give up on trying to break into a home if it has visible alarm signs in the lawn or decals on the window.

5. GET TO KNOW YOUR NEIGHBORS When it comes to the safety of your home, it’s important that you establish some sort of communication and trust with your neighbors. Good neighbors will watch out for your home when you’re away, and can let you or the police know about any suspicious activity going on.

Remember to always keep safety first, communicate, and stay informed!

6 GOOD CREDIT HABITS OF BUYERS AND RENTERS Your credit score has a critical impact on your housing options, and healthy credit is essential to buying a home or renting one. “An important step to finding a home, whether you’re renting or buying, is ensuring that you have a good credit history,” says Frank Keating, president and CEO of the American Bankers Association (ABA).

“A strong credit score can open doors to better homes and lower mortgage rates.”

To build a good credit history, the ABA recommends adopting these habits.

Request a copy of your credit report–and make sure it is correct.

Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for other loans, such as a mortgage. Everyone is entitled to receive a free copy of his or her credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commission’s website at www.

AnnualCreditReport.com or call 1-877322-8228. Note that you may have to pay for the numerical score itself.

your bills in full each month. You often can increase your scores by limiting your charges to 30 percent or less of a card’s limit.

Apply for and open new credit accounts only as needed.

Keep this in mind the next time a retailer offers you 10 percent off if you open an account. If you need a new line of credit, don’t jump at the first appealing offer; compare rates and fees offered through mail solicitation, on the Internet or at your local bank.

Set up automatic bill pay.

Don’t close old paid-off accounts.

Payment history makes up 32 percent of your VantageScore credit score and 35 percent of your FICO credit score.

The more you pay your bills on time, the better your score. Avoid missed payments by setting as many of your bills as possible to automatic pay.

According to FICO, closing accounts can never help your score and can in fact damage it.

Keep balances low on credit cards and ‘revolving credit.’

Racking up big balances can hurt your scores, regardless of whether you pay Source: ABA.com

Talk to credit counselors if you’re in trouble.

Using legitimate, non-profit credit counseling can help you manage your debt and won’t hurt your credit score. For more information on debt management, contact the National Foundation for Consumer Credit by visiting www.NFCC.org.

14901.24.8 EagleMort_PamV 11/6/2015 10:21 AM Page 1

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14901.24.8 ReddenPeterson 11/6/2015 10:30 AM Page 1

Natalee Thurston N T

14901.24.8 Thurston 11/6/2015 10:32 AM Page 1

(877) 254-3003

Windermere Real Estate/JS

www.WashingtonHomeSold.com Natalee@WashingtonHomeSold.com

$2 19 ,9 50

NATALEE KNOWS HOW TO SELL HOMES, CALL HER TODAY TO LIST YOURS

LD O S LAKE STEVENS

LD O S MONROE

LD O S SNOHOMISH

LOCATION~LOCATION~LOCATION St.Mortiz at Mill Creek located next to the Mill Creek Country Club. Quiet & secure 2 bedrooms + office/den/guest room, 2 full baths, master bedroom with walk-in closet, vanity area and full bath. Large windows & balcony overlook a lush NW greenbelt of trees. Kitchen is the perfect size for this easy lifestyle.

For more photos, Text P326090 to 85377

LD O S SNOHOMISH

These are a few of the homes that I have SOLD in the last 6 months and I can sell yours too!

All you need to do is call:

425-343-5225

LD O S SEATTLE

LD O S MOUNT VERNON

LD O S SNOHOMISH

LD O S LAKE STEVENS

Windermere Real Estate/JS • 801 State Ave. • Marysville, WA 98270 • Office: (360) 653-2509

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14901.24.8 LeaderOne_Full Page - Basic 11/6/2015 10:24 AM Page 1

Ask me about Down Payment Assistance Programs and Tax Breaks for first time homebuyers 425-328-6798

Jenie Jones

NMLS ID 114563 Sr. Loan Originator 425.328.6798 jeniejones@leader1.com www.JenieJones.com

1802 Pacific Ave. Everett WA 98201 Page 28

425-328-6798

LeaderOne Financial Corporation 11020 King Street, Suite 390; Overland Park, KS 66210, NMLS ID #12007. You may view our license information on the Nationwide Mortgage Licensing System (NMLS) at www.nmlsconsumeraccess.org. LeaderOne Financial Corporation is licensed with the Washington Department of Financial Institutions, License No. CL-12007, Branch License No. CL-266464.

14901.24.8 JenniferMH 11/6/2015 10:23 AM Page 1

Jennifer McGuire Henshaw MLS, CRS Member, ABR, ASP, CDPE, SCCAR. RE/MAX Hall of Fame

No r thwe st

Cell:

(206) 250-3726

JenniferMcGuire@remax.net www.JenniferMcGuire.com

Choose Experience, Knowledge and a Broker you Trust!

I am dedicated to providing the finest service available, while keeping up to date on the current market trends. I have great knowledge of the greater Seattle area and have sold predominately in King and Snohomish county. With the real estate industry becoming more sophisticated and challenging every day, you need a professional broker who understands the industry and the market, and who will take the time to stay ahead of the game.

4 $2

95 4,

0

JUST LISTED! Updated 3 BD, 2.5 BA w/ 2 Car garage.

Kitchen w/ stainless steel appliances & breakfast bar. Downstairs office/living area or use for formal dining. Brand new carpet and paint throughout. Faux wood blinds, and W/D included. Convenient location in Smokey Point near shopping, Costco, Target, restaurants & great access to I-5. Lakewood Schools.

Includes free One Year Home Warranty.

For more photos & information, Text P205031 to 85377

7 $3

95 9,

0

D SO L

EXCELLENT LOCATION & GREAT COMMUNITY 3 BD, 1.75 BA w/ large kitchen w/ eat-in area, formal dining room, living room. Downstairs offers family room, bonus room, laundry area & access to large fully fenced yard. Spacious lot is perfect for outdoor BBQs or gardening. New roof in 2014, efficient gas forced air, hardwood floors. Tons of storage!

For more photos & information, Text P753728 to 85377

6 $2

95 4,

0

D SO L

ONE OF THE BEST! Amazing opportunity to own one of the best townhouses in the Crossings. Open great rm floor plan w/ gorgeous hardwood floors.

Chef's kitchen w/ large island, tile counter tops & rich cabinets. Family room has cozy gas FP & overlooks the Trex deck patio & backyard.

Upstairs open loft area.

Back yard perfect for outdoor BBQ's or year round fun. Great access to I-5. 1-yr HM warranty.

Text P143662 to 85377

Visit my website www.JenniferMcGuire.com and SEARCH all properties for sale, or read my satisfied Client testimonials.

Victor Kloch (clock) Direct: (425)

212-3533 313-6088 victor@allstate.com

Fax: (866)

Auto * Boat * RV * Motorcycle Home * Rental * Business Flood * Umbrellas

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14901.24.8 LG_TwinBrooks 11/6/2015 10:24 AM Page 1

14901.24.8 WilliamsRE_0100 11/6/2015 10:34 AM Page 1

WILLIAMS REAL ESTATE BROKERS Call for more information

(877) 265-9697

www.williamsbrokers.com GREAT DAYLIGHT RAMBLER 3 BD, 2 BA on main floor. Lower level rec room/family room or set up for Mother-in-law w/ kitchen & 3/4 BA. Huge remodeled kitchen with beautiful hardwood cabinets & floors. 2 decks that access the large back yard. Lake Stevens schools and very close to the lake.

The one won’t last long! R822 Text P538082 to 85377

RARE 3 BEDROOM TOWNHOUSE Lives like a single family home. Backs to green belt for that country feeling, while only steps to shopping. Open style kitchen and dining room. Gas burning fireplace warms up the graceful living room. More storage than you can imagine, 3 BD w/ full BA and master suite w/ full BA & big walk-in closet on upper level.

Garage parking and room for cars in front. R821 Text P522358 to 85377

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14901.24.8 Torset Snohomish 11/6/2015 10:33 AM Page 1

Full time help line, Mon-Thurs 9-5 425-789-6270

Michelle Torset

Listing Specialist

360-333-3959

WESTERN REALTY

888-643-4112

www.TheTorsetTeam.com

The perfect time to LIST your home FOR SALE! BUYERS are looking so don't miss your best OPPORTUNITY.

SNOHOMISH New Price! $695,000

SNOHOMISH

HILL TOP ESTATE Shy 5 acres on private & secluded Dutch Hill. Cozy European touches. Gourmet kitchen.

Main flr Master suite. Detached shop w/ guest suite above. Views! $839,000 Text P105877 to 85377

HOME, GUEST SUITE & SHOP Lovely 4.3 acres acreage w/ pond, stream & gardens. Main home w/ 3 BD, 2.5 BA. Dream shop w/ 3000 SF, 5 roll-up doors & office. 1100 SF MIL suite.

More photos! Text P740130 to 85377

LaDon Torset

Buyer’s Specialist

206-786-8021 MUKIILTEO

Rick Vannoy

Buyer’s Specialist

425-344-2971

SOUND VIEWS! Miles of beach just down the trail! Upgraded & remodeled 5 BD, 2498 SF w/ expansive view deck.

Basement plumbed for possible MIL. New appliances. Mukilteo Schools.

Text P687333 to 85377

Welcome Kahala & Sandy to the Torset Team as Buyer’s Specialists

Ben Cole

Buyer’s Specialist

360-540-4834

EVERETT

Kahala Coila

Buyer’s Specialist

425-948-5750

CORNER LOT & UNIQUE HOME Live comfortably upstairs or down! Great Everett Location, currently being used as a Rental. Home has total of 4 BD, 2 BA, 2598 SF on 6,000+ SF lot. $265,000 Text P491640 to 85377

RENTON

Sandy Dinsmore Buyer’s Specialist

206-919-2518

GREAT LOCATION! 3 BD, 1.75 BA rambler 2 blocks from Kennydale Elem & two minutes to I-405. Freshly painted, fruit trees, extra parking, area for private barbeque, covered deck. $310,000 Text P492300 to 85377

Call for more info on our next Home Buyer Happy Hour Event!

Learn about the 6 down payment assistance ($0 down) programs we have!

Dan Keller Mortgage Advisor MLO # 115349

Direct: (425) 350-7136 As seen on FOX Business www.TheDanKellerGroup.com

Washington - NMLS#6606. © New American Funding.

New American and New American Funding are registered trademarks of Broker Solutions, DBA New American Funding. All Rights Reserved. 05/2015 800.450.2010