14901 27 2

NORTH KING AND SNOHOMISH COUNTIES, WA

HOME & LIFESTYLE GUIDE Volume 27, Issue 2

Waterfront Sanctuary CUSTOM CRAFTSMAN W/ WESTERLY VIEWS Text R807927 to 52187

RealEstateBook.com To Advertise, Call Sharman @ 360-333-9566

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KELLI LANG 360-929-2217 RE/MAX Gateway Cover home on page 6

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Snohomish Windermere

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Windermere RE / Snohomish, Inc. • (360) 568-1537 • www.snohomishwindermere.com

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2 FOR THE PRICE OF 1 Beautiful 4BD+Den 2.5BA 2824sf Rambler in Machias on 1.66 acres. Open floorplan w/ frplc, dining room, kitchen w/eating space, tile floors, spacious laundry room. Covered deck w/patio. 2 car attached garage. HUGE 36x48 shop w/ RV door & barn. Original 3BD 1BA farmhouse built in 1916. Great RENTAL or MIL or ??

Call 360-568-1537

INTO THE GREAT WIDE OPEN Outstanding Views! 3258sf full daylight basement rambler on 5.3 acres. 2BD 2BA on main + 2BD 1BA down. Lower level has optimal MIL potential. Hardwood floors, vaulted ceilings & Master Bath with views.

3 car garage has room for your hobbies.

Greenhouse. Covered RV parking. Pasture, views & privacy!

Call 360-568-1537

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425-921-2200 www.edmondsrealty.net

Edmonds Realty, for the Entire Puget Sound Area

Dennis Howard Owner

Lucille Noël Owner

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SNOHOMISH - 3 OUTDOOR LIVING AREAS 4BD 3.75BA 4200sf on 0.61 acres. Chef’s dream kitchen w/AGA range, wine fridge & granite. Great room w/ stone fireplace. Outdoor kitchen and hot tub. Adj lot avl. MLS:1293786 Text R820326 to 52187

MAGNOLIA - TOP FLOOR VIEW CONDO All new gorgeous kitchen/quartz counters, modern cabinetry, Leibherr frig, eating bar. New flooring. Spectacular views! 3-5 miles to Amazon, Expedia, Key Arena. MLS:1266162 Text R768909 to 52187

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KIRKLAND - GROUND FLOOR END UNIT Updated w/ new siding, roofs, large windows, appliances, hot water heater. Remodeled full BA. Large master BA. Kitchen w/ eating bar. Covered parking. MLS:1293202 Text R822325 to 52187

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EDMONDS BOWL - BUILD HERE! Build your custom home on this 1/4 acre hideaway. From this tranquil site, hear the sounds of birds and Shell Creek. Surrounded by woods with view of creek. MLS:1289895 Text R811714 to 52187

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.

REN

To see a list of properties available, visit

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EVERETT - COMMERCIAL Commercial Duplex - 70 feet of Evergreen Way retail / commercial street frontage. Complete remodel! Mfg, fab, medical, dental, coffee, restaurant, retail, spa, so many uses! MLS:1285413 Text R107713 to 52187

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WEST BREMERTON - TURNKEY BUNGALOW 3BD 2BA in Evergreen Park area. Renovated: new floor coverings, high-end appliances, Summit windows, Hardi siding. Excellent commuter location, ferries nearby. MLS:1288676 Text R811670 to 52187

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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

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FREE HUD Home List Please call 360-454-0629 for a list of HUD homes today! or visit www.Hudhomestore.com

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For More Info Text R479706 to 52187 HAT ISLAND Stunning home w/ breathtaking views of the Sound, Mt. Baker, Cascades, & marina. Open kitchen & dining is a chef’s dream! 2 outbuildings. R554

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For More Info Text R824333 to 52187 MOUNT VERNON 5BD 3+BA 3566sf w/ office. Open kitchen w/ large island & granite counters. Fenced yard. 2nd floor deck for sunsets. Family rm & Bar for entertaining. R636

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For More Info Text R711762 to 52187 SNOHOMISH Custom 4BD 2.5BA 3036sf on 5+ acres. Gourmet chef’s kitchen. Lg family rm, formal living & dining. Master suite w/ sitting area. Upstairs loft! R614

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For More Info Text R786175 to 52187 ARLINGTON 2100+sf remodeled farm house on 4 acres.

Amazing kitchen! Large master suite. Secret safe room. 2BD cottage MIL/ guest suite/ rental. NO HOA! R626

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For More Info Text R816265 to 52187 USELESS BAY 4000+sf home w/ 3rd floor luxury master suite w/ view deck & sitting area. Entry level bunk rm & rec room w/ pool table & bar. Main level w/ view decks & guest rm. R635

00

For More Info Text R805604 to 52187 DUVALL 7.75 acres includes 2 separate parcels! Cute home with fresh paint & new carpets throughout! New Propane Furnace!! Upstairs can be made into a 3rd BD/office. R577

For More Info Text R532266 to 52187

For More Info Text R685802 to 52187

CONCRETE Charming Cabin on the Skagit River. The perfect getaway for a vacation home. You will love the tranquil sounds of nature & Spectacular views! R575

EVERETT Stunning 3BD 2+BA 3212+sf bluff home on shy acre.

Spacious kitchen, plenty of storage, & custom light fixtures.

Master suite w/private deck. Deck w/over 1400 sq ft! R610

Wendy Smith

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

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COMFORTABLE Double wide home in convenient Mobile Manor 55+ park. Well cared for featuring covered & off street parking plus bonus storage shed. Air conditioning/heat pump included. Space for a small garden.

Incredible location just a minute to I-5 & all amenities!

To see more photos & information, Text R822362 to 52187

WELL MAINTAINED Single wide in Mobile Manor 55+ park. Bright, airy living room w/cozy wood burning stove & spacious eat-in kitchen are at the center of this welcoming home. One end features laundry area & master w/ private full bath, while the other has 2nd bedroom & full main bath. NEW H2o heater. Updated carpet & paint, pull up window shades, built-in shelving, updated lighting, pantry & double closets for ample storage. Covered & off street parking. Just a minute to commute & all amenities!

To see more photos, Text R811685 to 52187 from your Smart Phone

14901.27.2 Karen.indd 1

Karen Eckerson (425) 238-2023 www.karen.withwre.com

Windermere RE / JS

As life changes, so do our home needs, but there is a lot to consider before deciding to buy or sell. As a trained & accredited Senior Real Estate Specialist & Windermere Senior Transitions certificate holder, I have specialized experience & resources to help Seniors achieve their housing goals. If you or someone you care about is considering a move, please don’t hesitate to contact me. I would love to assist in this important life transition.

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On The Cover

ANACORTES CUSTOM CRAFTSMAN W/ ISLAND VIEWS

PRIVATE WATERFRONT SANCTUARY Stunning westerly views of the San Juan Islands. This craftsman custom built home shows pride & elegance throughout incl. Brazilian cherry floors, custom cabinetry, & large gourmet kitchen perfect for entertaining. Sip a glass of wine while watching the sunset or gardening in the soft ocean breeze.

Your guests will feel welcome as they enter through the peaceful Zen garden. Enjoy all that Anacortes has to offer incl. hiking, biking, kayaking. MLS:1281060 $969,950 To see more photos, Text R807927 to 52187

Kelli Lang

360-929-2217 team@kellilang.com www.getislandhomes.com

GATEWAY

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SPOTLESS, TURN KEY RAMBLER! 3BD 2BA + added extras. Pull out shelving, roll-up awning over the deck, 1 year new SS double oven/range + SS fridge w/water & ice. Pantry, gas heat & hot water, 2 ceiling fans. Interior freshly painted, carpet profesionally cleaned. Extra wide driveway, terraced yard w/jungle gym play area. 2 storage sheds. Beautiful sunsets!

To see more photos & information, Text R802008 to 52187

Just Listed! - $289,900

Text R825342 to 52187 - $450,000

Text R829682 to 52187 - $339,950

BURLINGTON 3BD 1.75BA Rambler on on large lot. Big living room with fireplace.

Good size kitchen w/dining area. Fully fenced back yard w/covered patio.

SNOHOMISH Rehab w/ sweat equity potential! Beautiful 8+ acres w/ moutnain views. Large 2 story w/ 3BD 2BA & loft.

Snohomish school district. As-Is.

ARLINGTON 3BD 1.75BA on 5 acres.

Wooded trails, small fruit orchard & garden areas. Big shop garage & carport.Lrg deck for entertaining. No CC&Rs!

Text R753932 to 52187 - $234,900

Text R831441 to 52187 - $189,900

Text R782871 to 52187 - $259,950

MARYSVILLE Completely updated condo w/open floor plan. 2 car carport,community swimming pool w/club house.

Fannie Mae HomePath property.

ARLINGTON HEIGHTS 1 acre parcelthe last of 14 in this soon to be gated community of Summer Creek Estates. Power and well on the property.

SOAP LAKE Ideal coffee & Ice Cream location. Cook stove & dish washing station. Huge basement for storage & possible live on site option. 1 block to the Lake.

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P R E P A R I N G Y O U R YA R D

for Summer

Enjoyment

N

ow that warm weather has returned, it’s time to safely begin the annual cleanup to prepare your yard for months of summer enjoyment. With the help of a professional landscaper, your yard will be ready and looking great in no time.

Start by evaluating your lawn. Look for bald spots where grass has grown sparsely and needs reseeding, or uneven areas that may need to be filled and leveled.

Before you take steps to correct any problems, you'll need a clean slate. Call your landscaper to help you clear the yard of any leaves, rocks or sticks that may have accumulated. Then cut the grass as short as possible. Your landscaper will then break up the soil in bare spots to create an environment that will be hospitable to new seed. Lawn soil will then be added to level the surface.

An herbicide will also need to be applied to treat weed-infested areas. Allow the weed killer to work for about a week then rake again to remove dead weeds.

Then you're ready to over-seed or spot seed, depending on your lawn's needs. Your climate will determine the best grass varieties for your yard, and your landscaper will help you lay down the appropriate sod or seed. Be sure to also select a fertilizer that is consis-

tent with your grass type and water thoroughly to promote deep root growth, which can help your lawn withstand extreme conditions as temperatures rise.

Your lawn isn't the only part of your yard that needs attention though. Your garden and flower beds may need some care before they, too, are ready to burst with new bounty and color.

Begin by clearing your garden and beds of any debris like leaves and other matter that piled up during months of neglect. Gently turn the soil and work in fresh fertilizer.

Before you get your landscaper to plant new shrubs and flowers, it is the ideal time to make repairs. Check edging for any damage, replace rotted woodwork and complete any other maintenance tasks. This is also a great time to explore and add new landscaping features, such as a retaining wall, pond, or stone pathway. Your landscaper will help you choose the features that will go best with your home.

By getting some of your lawn and garden care taken care of now, you will be able to take full advantage of sunny summer days outside. So reach out to your local lawn service or landscaper today!

Is Your Bedroom Designed for Sleep?

S

ounds like a dumb question, right? However, in reality, the reason you might not be sleeping as well as you should might have a lot to do with what’s going on in your bedroom.

According to the Better Sleep Council (BSC), the nonprofit consumer-education arm of the International Sleep Products Association, getting adequate sleep can positively impact every area of your life, from your productivity on the job, to your eating habits and fitness goals, to your relationships.

In fact, a recent survey from the BSC suggests that getting more sleep may be the key ingredient to keeping Americans on track for meeting their 2018 goals—27 percent chose getting more/better sleep as a resolution for the year, and those respondents also reported other health-related goals, such as exercising more (69 percent) and staying fit and healthy (68 percent).

Also, Americans surveyed who wanted to prioritize sleep in 2018 planned to do so by getting to bed earlier (65 percent), maintaining a consistent bedtime (62 percent), and having new nighttime routines (53 percent). Almost half of those surveyed said they also plan to upgrade their sleep environment by purchasing a new mattress or other bed-related items.

The BSC offers these other suggestions for improving your sleep habits:

Consider your window treatments.

If you’ve committed to getting to bed early, keep your window treatments sheer. Natural light filtering in as the sun rises will help wake your body naturally—the perfect way to start your day. Installing sky lights can also provide wakeful sunlight. However, if you can’t seem to ditch the night-owl habit, room darkening curtains or shades may be necessary to ensure you get the extra hour or two you need in the morning.

Adjust the lights.

For each lamp in your bedroom, decide what purpose it will have and choose a light bulb with appropriate wattage. For example, a bright light may be necessary near a mirror or for a standing lamp. For bedside lamps, lower wattages (45 to 50 watts) offer ambient light or gentle light that are best for reading. Lampshades can help dim lights as well. Installing a dimmer switch will allow you to control the brightness of all the lights in your room as you need it. This is especially useful with overhead lights.

Ditch the distractions.

Avoid the distraction of social media and emails by setting your phone to automatically go into Do Not Disturb mode during

sleep hours, and leaving your tablet and laptop in another room altogether. While you’re at, do you really need a TV in your bedroom?

Opt for a pile of books on your nightstand as reading relaxes the mind and helps induce sleep, while screens keep your brain wired.

Spruce up your bedroom décor as well by replacing your TV stand with a nice bookcase or chair and ottoman for reading.

Analyze your bed.

Consider whether it’s time for a new mattress. If you’re waking up a lot during the night to shift positions, it could be due to a mattress that’s not supporting you properly. Same for your pillows. Are they too soft, too firm, or just right? Also make sure your sheets, blankets and comforter offer the perfect balance of softness and warmth without making you overheated.

Keep it cool, even in the cooler weather.

A comfortable sleeping temperature is between 65 and 67 degrees Fahrenheit, so turn on an air conditioner or lower the thermostat before bed for an optimal sleeping climate. If cracking open a window gets you to that temperature range, all the better, as fresh air makes for even healthier sleep. And when the temperature is cooler at night, it has the added bonus of helping you save money on running the AC.

Make daily sleep appointments.

Develop a routine in which you go to bed at the same time and wake up at the same time every day. Sticking to these appointments will help you in all of your other routines and scheduling as well.

As you work on perfecting your nighttime sleep routine, remember that it’s not a bad idea to catch a power nap during the day if and when you can. A quick 20-minute snooze can work wonders and actually help you sleep better at night.

Reprinted with permission from RISMedia. ©2018. All rights reserved.

6 WAYS

to Get Ready to Sell Your Home This Summer

Summer has long been one of the best and most popular seasons for selling a home. If you’re ready to put your home on the market, follow these steps to make sure you’re in prime showing shape for the summer selling season.

1. Find a real estate agent. Use this time to interview several agents and make the right selection. Choose an agent with excellent local market expertise, technology savvy, and negotiating skills. The relationship you have with your agent is important, so be sure to select someone you connect with and communicate well with.

2. Make necessary repairs. If your real estate agent advises that certain repairs be done prior to listing your home, take the time to contact the appropriate contractors or service providers to help make the repairs. Make them before you list your house, as they will likely affect the price at which you can list your home.

3. Have a painting party. There’s likely more than one room in your home that will need to be painted before it hits the market. Stick to neutral colors that help to tone down a space, as bold colors can reduce offers. Spend the next few weekends accomplishing the task.

4. Pack up. Now is the perfect time to start packing up unnecessary items. Not only will this give you a head start on your eventual move, it will declutter your home for optimal showing purposes.

5. Stage your home. Staging helps to focus on your home's strengths, downplay any weaknesses and appeal to the largest pool of prospective buyers. Move furniture around for better flow, which makes rooms seem larger. Use brighter light bulbs in lamps and fixtures to add more light and open up windows. Spruce up the kitchen cabinets with a coat of paint or at least new hardware.

6. Plan a photo shoot. Once the essential cosmetic changes have been made, talk to your real estate agent about the best time to photograph and film your house. Make sure your surrounding property is camera-ready too. Gather photos of your garden in full bloom and your pool or patio under the bright sun so that your agent can add them to the listing.

Reprinted with permission from RISMedia. ©2018. All rights reserved.

Your trusted real estate agent will have other directives based on the specifics of your home and its location. Be sure to heed their advice as they know what it takes to get a home sold.

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WASHINGTON HUD HOME BUYING SEMINAR TIPS & SECRETS Great for 1st Time Home Buyers or Investors. Limited Seating.

July 3, 2018 6-8 PM

6120 Grove, Marysville Library

How to buy a HUD-owned home

BOTHELL - Text R811715 to 52187 MILL CREEK MEADOWS 4BD 2.5BA 2695sf w/ formal dining & living room. Family room is inviting & relaxing w/ gas fireplace. Large kitchen island & extra cabinet space.

3-bay garage for hobbies, storage & cars. Fully fenced DEAL OF THE MONTH backyard. Sold As Is. BREMERTON - Text R349732 to 52187 ONCE IN A LIFE TIME! 130 acres of bliss await you.

Picturesque views of mountains & nature at its finest.

Great recreational land will be a great place to get away to. Amazing opportunity for private acreage in desirable NEW PRICE! Kitsap County!

*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

DES MOINES - Text R818238 to 52187 CUSTOM HOME W/ VIEWS 3BD 2+BA 3520sf w/ stone floor entry & curved stairs.

10’ ceilings, wood-wrapped windows, crown molding, & fireplace in living room. Views of Sound, mts & sunsets.

Landscaped w/ huge deck, patio and water features.

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.

Call 360-474-5128

Send any Text Code to 52187 for Instant Viewing on your Phone

HUD HOMES

Terrific Values - Save Thousands

Keller Williams NW RE, LLC

CKRealEstateTeam.com Page 11

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Shana Hoople Owner/Broker

425-422-3949 www.premierhomes.today

Text R769709 to 52187

GRANITE FALLS - Mountain retreat w/ all the basic amenities! Only 2 hour drive to Seattle area. Just off the popular Mountain Loop Hwy. Hiking, picnicking, snowmobiling, cross country skiing nearby. County maintained road for year around access. $229,950 Text R807929 to 52187

HEART OF MARYSVILLE - Main house is 3BD 1BA + downstiars MIL 1BD 3/4BA. Covered front porch, fully fenced yard. Large lot with multiple decks, hot tub, mature landscaping, several outbuilding storage units. MIL has separate driveway and entrance. $320,000 Text R748319 to 52187

MARYSVILLE - New construction 3BD 2BA 2560sf custom rambler on 2+ acres. Formal living & dining, office & large open floor plan. Great room/kitchen w/ quartz counters & travertine fireplace. Master w/ walk in shower & heated floors. Covered patio. Shop/storage under home. $724,900

Cheryl Munn Owner/Designated Broker

425-422-6608

www.propertiesbycheryl.com

Text R824339 to 52187

GRANITE FALLS - Open floor plan 3BD 2BA rambler on shy 5 acres. Living & family room share glass double sided fireplace. Expansive Trex deck, built in hot tub and plenty of area for gardens, play area and so much more.

Bonus MIL is wheelchair ready. $525,000 Text R822295 to 52187

MARYSVILLE - Charming 3BD 1.75BA 2656sf on 2+ acres.

Country living minutes from I-5. Mountain views, quiet dead end street and plenty of space for your toys. Mature landscaping, fruit trees, garden space & addt’l outbuildings. Finished basement. Covered deck. $574,000 Text R805610 to 52187

BOW - Here is the property you want! 5 gorgeous flat acres in a fantastic location. Private & secluded yet just minutes from I-5. Power, septic & well are already in! Slab is still there from the previous manufactured home. Bring in a new one or build your dream home! $299,000

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The Market is Still HOT ~ F ind Out HOW HOT! Call Melody for a FREE MARKET REPORT - 425.350.7414 WHAT IS YOUR DREAM?

LOG HOME * RAMBLER * LAKE HOUSE

Flowing Lake Waterfront Home on 1+ Acre Private dock & beach, fenced pastures

$650,000 - Just Listed! Call 425.350.7414 Custom Rambler w/ high-end kitchen Hardwood floors & stamped concrete patio

Log Home w/ wide plank pine flooring Master on main w/ doors to the sunroom

2 Homes on 5+ Eqestrian Acres

$1,295,000 - Text R809876 to 52187

Melody Y eoman

SPECIALIZING in Lifestyle Properties WATERFRONT - LAKE - RIVER

425.350.7414

melodysellshouses@gmail.com Page 13

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OU T! SO LD AS E

1

-

PHASE 2 READY!

PH

(IN GREEN)

13 New Homes from the low $400’s RAMBLERS & 2-STORIES 1630 to 2196 SF 2 - 3 Car Garages

Open: Weds - Sun, 1 to 4 DIRECTIONS: I-5 Exit 227, East on College Way, Left on Martin to SummerSun Estates in Mount Vernon

STANWOOD 284th

9 NEW HOMES!

MODEL HOME 28406 69th Lane Stanwood WA

FOR DIRECTIONS set your GPS to: 6915 284th St NW Stanwood

2206sf 3BD+Den 2BA Kitchen w/slab granite island. Covered patio. Landscaped and fenced yard. MLS:1254973 $550,000 Text R722443 to 52187

2301sf 3BD 2BA + Den Open concept vaulted great room w/gas fireplace. Hardwood in great room area. MLS:1254962 $570,000 Text R722435 to 52187

2481sf 3BD 2.5BA + Den & Bonus room. Kitchen w/Aristocraft cabinets. Heat pump.

MLS:1254894 $545,000 Text R722440 to 52187

2813sf 4BD 2.5BA + Den + Bonus rm. Den on main level. Landscaped.

MLS:1276029 $590,000 Text R781085 to 52187

Your personal mortgage advisor Whether you’re purchasing, refinancing, or investing, I can help you find the loan that fits your life.

2124 Riverside Drive, Suite 211 Mount Vernon, WA 98273 360-419-5218

Call me today.

EMILY POWELL

Loan Officer, NMLS# 1568839

(360) 420-6175

epowell@guildmortgage.net

Guild Mortgage Company is an Equal Housing Lender. Company NMLS # 3274. All loans subject to underwriter approval; terms and conditions may apply.

Subject to change without notice.

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RO -W OO LL EY SE D

SE D

RO -W OO LL EY

4 NEW HOMES IN GATEWAY HEIGHTS

1987sf 4 BD 2.75 BA New split entry plan with upper level living area w/ gas fireplace. Kitchen w/ granite counters, stainless steel type gas range, hood & dw. Master bedroom w/ ensuite & walk in closet. White painted doors, millwork.

Deck. MLS:1200402 $355,000 Text R559658 to 52187

1544sf 4 BD 2.5 BA Split entry w/ vaulted open floor plan great room. Kitchen with island, Stainless steel gas range, and granite counters. Bedroom, 1/2 bath and family room on the lower level. Tankless water heater. Two car garage.

MLS:1201922 $339,000 Text R559650 to 52187

$5,000 Buyer Bonus, Restrictions Apply 360-421-5469

DIRECTIONS: I-5 Cook Road Exit 232. E on Hwy 20 to Left on Fruitdale Road, Left on Portobello Road, Right on Gateway Heights Loop Road.

Coming Summer 2018

34 Lots Available

in Burlington, Skagit County

Lot Sizes: 7,600 - 13,617 SF

Letter of Authorization, MLS # 1298798, held by Kim Woodmansee, JLS/Skagit

Ramblers: 1,701 - 2,007 SF 2 Stories: 1,924 - 2,961 SF Prices from the high $300's

For more information, email info@bykconstruction.com FOR DIRECTIONS set your GPS to: 1824 Rio Vista in Burlington

R E A L E S T A T E JOHN L SCOTT/SKAGIT

KIM WOODMANSEE 360-421-5469

kimwoodmansee@johnlscott.com

KimWoodmansee.JohnLScott.com

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Closing Escrow: Funding & Recording

BY B A R B A R A P RO N I N

Few days are more gratifying for homebuyers – and their agents – than closing day, when the last of the paperwork has passed muster and the keys to the house change hands. But while the sentiments are the same no matter where you live, the process itself may be different. Unlike the ‘settlement’ system in some states, for example, California defines ‘closing’ not as the date when borrowers sign the final loan documents, but as the date and time the deed is recorded.

A consummation date recognizes the date the borrower becomes legally obligated to the loan – and a Closing Disclosure statement is given to said borrower at least three days before they are scheduled to sign loan documents. While at this point, the borrowers no longer have the right to rescind

the purchase agreement, they may take up to three additional days to review and approve the terms and costs of the loan – and/or to rescind the loan if any of the terms have changed.

In most cases, three days after delivery of the Closing Disclosure, the loan documents are, in fact, signed.

Still, the closing process itself unfolds in three very separate steps: Signing the date when loan documents are signed and notarized Funding the date the lender releases funds to the escrow company Recording this is the date – the true ‘closing of escrow,’ when the deed and any other recordable documents are recorded with the County

Only after the escrow company receives confirmation from the title company that the documents have been recorded does the escrow officer verify all the charges and issue net proceeds to the seller and distribute funds to any appropriate parties.

In other words, the moment the Grant Deed is time-stamped by the County Clerk is the moment the property actually changes hands – and only then may the new owners receive the keys.

In California, as elsewhere, the pathway to that happy moment – including a thorough title search – can be complicated. As your escrow partner, we are committed to making it as straightforward and trouble-free as possible.

Barbara Pronin is an award-winning writer based in Orange County, Calif. A former news editor with more than 30 years of experience in journalism and corporate communications, she has specialized in real estate topics for over a decade.

This material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice. You are encouraged to consult your legal, tax or investment professional for specific advice. The material is meant for general illustration and/or informational purposes only. Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy.

Reprinted with permission from RISMedia. ©2018. All rights reserved.

How to Get Approved for a Home Improvement Loan

By Jason Caruso

W

hether you're building an addition, completely remodeling or just finishing your basement, a home improvement loan can help add value and comfort to your home. There are a variety of loan options available that we detail later in this article, but before you explore those, there are four steps you should take to ensure that you'll get the money you need: Understand Your Credit History With any type of loan, a higher credit score will give you better terms for your loan. But if you have a low credit score, that doesn't mean a home improvement loan is out of reach. There are government loans, private lenders and co-signing opportunities that may be available to you.

1

Evaluate Your Equity Home improvement loans are largely dependent on the homeowner's equity, since this becomes collateral for the loan.

2

Even if you have a decent amount of equity, you will need to prove that you're capable of paying your debts plus the added debt of the home renovation loan. The final terms of your loan agreement will be determined by your ability to pay back the loan on time.

Get an Appraisal The lender needs to know the overall value of your home before agreeing to certain loan terms. Not every lender will require an appraisal of your home, but it helps to be prepared in case it's requested.

3

Estimate Your Project Cost Before you apply for a loan, you should establish a baseline of estimates from professional contractors to determine how much your home improvement project could potentially cost. This will give you a good idea of how much you'll need to borrow. Seeking out contractors for estimates will prepare you for what your project could entail. For example, you might be unaware that there's mold in your walls which is something you'll definitely need to take care of—and this will add to the amount you'll need to borrow.

4

While you're figuring out the cost of your project, be sure to request estimates from several contractors so you can shop around for the best price.

What Are Your Home Improvement Loan Options?

After you've completed the above four steps, you'll be ready to look into your loan options: Home Equity Line of Credit With a home equity line of credit, you're able to withdraw money as you need it during a time limit that the lender has specified. Much like a credit card, as you pay some of the balance off, your credit will revolve and you can start to withdraw again.

This line of credit can have fluctuating rates that can be higher than the rate you'd get on a fixed-rate loan, making them more risky. But there is more flexibility with a home equity line of credit than a fixed-rate loan.

Home Construction Loans When it comes to home construction loans, lenders need to place a lot of trust in the builder, meaning they are usually very cautious about giving out these loans.

If things go wrong, the lender could quickly realize they've made a bad investment.

Because of the risk for the lender, there are precise qualifications for this type of loan, including: »» Proof of good credit and financial health »» A comprehensive list of project details (floor plans, materials, etc.) »» An estimated home value from an appraiser »» A large down payment—usually 20-25 percent »» Working with a builder that's approved by the lender Home Equity Loans A borrower uses the equity of their home as collateral under a home equity loan. The value of your property will need to be determined by a licensed appraiser, and this will determine the loan amount you are eligible to receive.

Usually this requires good credit and can end up being more costly than other loan options since additional fees associated with the appraisal, originator, title and closing process can come up.

FHA 203(k) Loans The federal government backs FHA 203(k) loans, which were established with the intention of revitalizing struggling neighborhoods. Under this loan, borrowers can purchase a property with the cost of repairs and upgrades included. The required down payment is as low as 3.5 percent in most instances.

Make sure to follow the above steps and do your research on loan types as you're planning to renovate your home!

Jason Caruso has over 15 years of experience in the financial sales and service industry. He is currently a loan officer with an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut. Caruso has a degree in business administration and marketing.

This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia.

Reprinted with permission from RISMedia. ©2018. All rights reserved.

THE EIGHT BEST REASONS TO USE A PROFESSIONAL PEST CONTROL COMPANY Many people consider themselves "do it yourselfers" and with all the information available online, it makes sense that many household projects can be undertaken by a layman or weekend hobbyist. When dealing with pest control issues, however, it may be a better idea to let a pro handle it instead of just buying some poison and going to town.

Here are the best reasons to use a professional pest control company when you have a pest problem in your home:

1. DISCOUNT FOR ADDITIONAL SERVICES

Generally, the more services you purchase from your exterminator the more you save per service. As a result, each service becomes cheaper.

2. REFERRAL DISCOUNTS

Many pest control companies offer discounts to clients who successfully refer them to their friends.

This is a way to get money back for a service you have already purchased.

3. EXCLUSION SERVICES

Once your exterminator has identified the causes of your pest issues, he/she can either perform the corrections to the structure or recommend someone who can.

By changing these

conditions, pests are less likely to return.

4. PREVENTION

our pest control company is a wealth of knowledge when it comes to ways to prevent pests. They will assist you with information on what you can do to prevent termites, ants, roaches and more.

5. IDENTIFICATION

Not sure which pest is bothering you?

Your exterminating company will be able to get an ID of the pest, even if you are not covered for that pest. Maybe you have a mysterious bite; again the pest control company can help.

6. FORMULATING A PLAN

A professional exterminator understands the needs of your home or business.

So he/she will formulate a planned approach to the implementation of service to aide in eliminating and reducing a pest invasion.

7. RISK

Using pest control products comes with a risk to your health, the health of your family and the environment. Pest Control companies are not only trained to use pesticides safely, they are also regulated by state and national laws that help protect non target animals from exposure to the insecticides.

8. COST

The purchase price for an insecticide is generally cheaper for a professional exterminator since they are able to purchase their products at a wholesale price and in bulk. More importantly, they will use the right product for the pest that is infesting your home or business.

Knowing the insect and the correct product to use is half the battle. Ants are not just ants, for example. Different species of ants may require a different type of product and application. You as the property owner may not be able to properly identify the pest; hence, spending more money on products in an attempt to correct your pest issue.

This is why you move to America’s #1 Cities and work with the #1 team!

Anita Kohl

Connie Moulaison

360.661.6164 sharon@ sharonstokes.com

360.961.7795 anitakohl@ Century21.com

360.770.1341 moulaison.connie@ gmail.com

OVERLOOKING BURROWS BAY & Skyline marina. 3BD 2.5BA 2102sf w/ maintenance free yard. Large deck to enjoy sunsets. Wired for gen. $579,900 Text R796681 to 52187

PASADERA HEIGHTS Move in ready 4BD 2.5BA 2333sf. Kitchen w/ granite slab counter tops. Master suite w/ sitting area & soaking tub. $412,000 Text R818204 to 52187

N GT O N LI AR

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North Homes Realty, Inc

Sharon Stokes

ARLINGTON TERRACE 3BD 2+BA 2006sf on private park like shy 5 acres.

New carpets, vinyl, new paint up. Large sun room w/hot tub. Private. $446,900 Text R759248 to 52187

DON' T GIVE YOUR HOUSE AWAY Learn what it's really worth. It may surprise, even shock you, to find out! We offer a Free, Accurate, and Instant professional Home Valuation to all home owners in Skagit, Island, and Snohomish Counties.

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MOUNT VERNON Shy 11 Acres in desirable area, FWY close & EZ commute to Stanwood or Everett! Views to West.

Great location! $150,000 Text P213581 to 52187

MOUNT VERNON Elegant 4BD 3BA 3112sf estate. River rock fireplace.

Gourmet kitchen. Master suite w/ sitting area. Media rm w/ wet bar. $679,000 Text R816253 to 52187

CONCRETE Beautiful Upper Skagit recreational lot w/ power & water. Just bring your RV and spend weekends or all summer at the river. $14,950 Text T1008662 to 52187

BURLINGTON 2 homes overlooking Gage’s Lake. 1200’+ frontage. 2 large shops on property with lots of room for work and/or storage. $975,000 Text R560924 to 52187

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BEAUTIFUL SUNSETS! 9.48 acres adjacent to Lake Stevens & Marysville UGAs. 1 acre cleared & graded, the rest in timberland. $2,200,000 Text R782880 to 52187

MOUNT VERNON Adorable 3BD 2BA Craftsman w/ nice yard, covered porch, gas F/A heat & alley accessible garage.

Close to all amenities! $289,500 Text R809867 to 52187

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THEY AREN'T MAKING MORE WATERFRONT! Waterfront retreat on the tranquil banks of beautiful Lake Bosworth.

Swimming, fishing, kayaking, and cruising on your floating dock (motor attaches). Relax, dine, and take in spectacular views from the large deck. On a quiet, clean lake, battery motors only. Boat launch onsite. A/C. HUGE 936sf 3-bay garage. 1BD + bonus room for den. Approximately 100 ft low bank waterfront.

To see more photos, Text R802012 to 52187

Snohomish - $380,000

Snohomish - $625,000

Sultan - $425,000

HIGHLANDS EAST 4BD 2.75BA 2508sf home w/ upper floor bonus (Projector & speaker mounts stay). Stainless appliances, beautiful granite counters in the kitchen w/ eating island. Den & 3/4 bath on main level.

Text R798679 to 52187

BETTER THAN NEW! 5BD 2.5BA 2743sf. Customized kitchen w/builder & owner upgrades, gas appliances, dining room & great room living room off the amazing kitchen. Bonus loft. Heat pump/AC, fully fenced, NGPA lot.

Text R798681 to 52187

Duvall - $475,000

Sultan - $475,000

HOUSE BEAUTIFUL ON 3.15 ACRES! Filled w/ natural light, hand scraped Acacia hardwood fl oors, new carpet, hickory cabinets, granite tile counter tops & bead board accents. Large storage shed w/electricity, poss guest quarters.

Text R789803 to 52187

TRANQUIL, PARK LIKE GROUNDS Views of the Mountains & lush 3.38 acres. Soaring vaulted ceilings, window seat, full bath on main level, upper floor Master Suite w/ sitting/reading room. RV parking w/ hook ups. Detached shop.

Text R777860 to 52187

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Jenifer Murrweiss

ELITE

Broker & Realtor Master Certified Negotiation Expert Certified Short Sale Negotiator Seniors Real Estate Specialist

425-422-7243

www.snohomishcountyhomesinc.com

www.pugetsoundheroes.com

$6 64 ,9 50

• Firefighters • Law Enforcement • Military (Active, Reserve & Veterans) • Healthcare Professionals • EMS • Teachers

20.6 acre slice of Paradise!

Full cedar siding & deck

A RARE & UNIQUE OPPORTUNITY AWAITS YOU! Amazing 20.6 acre custom home w/privacy, beauty & quality all in one. This 3BD 2BA 2401sf country rambler welcomes you with a 1100 sq ft wrap around deck, cathedral ceilings, open floor plan, master en-suite & loft for privacy. The enormous kitchen was built w/every chef in mind including 2 sinks. Solar yearly PUD rebate & rebate for a small protected area makes bills disappear!

To see more photos, Text R776444 to 52187

Bamboo floors, woodstove

French doors to back yard

Covered 1100 sq ft deck

Cozy loft - hobby - media rm

Tile backsplash, granite

Master bath w/ 6' soaking tub

Jill Bartoletti | NMLS# 173243

11255 Kirkland Way, Suite 100 Kirkland, WA 98033 P: 425-979-5261 Jill.Bartoletti@caliberhomeloans.com www.jillbartoletti.com

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Michelle Torset

OFFICE

425-233-5188

TOLL FREE 888-643-4112

Listing Specialist

Marketing-Production

w w w. T h e To r s e t Te a m . c o m BREATHTAKING VIEWS! 4BD 3.5BA 4109sf w/ fully finished bsmt- possible MIL. Kitchen w-island, hardwood floors, formal living & dining rooms. Spacious master suite w/ heated floors. Den on main floor. Large deck overlooks park-like yard w- fire pit.

5+ acres landscaped front & back. 3 car garage with long driveway and RV parking. $785,000 To see more photos, Text R818234 to 52187

Snohomish

Mill Creek

MILL CREEK GOLF COURSE 4BD 4BA 5306sf on 12th Green & 13th Tee. Chef’s kitchen! 2 master bedrooms. 600 bottle wine cellar. KrisCo saltwater pool. $1,485,000 Text R807873 to 52187 Camano Island

ONE OWNER HOME 3BD 2.5BA rambler by JLR Construction. Under cabinet lighting, jetted tub, granite slab counters, rock propane fireplace. Wired for generator. $414,900 Text R767049 to 52187 Clinton

USELESS BAY 3BD 1.75BA 2052sf Beach home on 50' of Deer Lagoon frontage. Views of the Olympics, Seattle & Mt Baker w the most colorful sunsets! $785,000 Text R715442 to 52187

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Mukilteo

LA SIRENA Mediterranean style 6BD 6BA 8500+sf on 2+ acres. Spectacular views & sunsets! Venetian plaster & classic fixtures.

Professionally landscaped. $2,580,000 Text R796659 to 52187 Bothell

CUSTOM ESTATE! 4BD + office 3.5BA on 1.23 acres. Beautiful tile floors, exquisite millwork, epicurean kitchen. Master suite w/ balcony. Guest home + shop w/ apt. $894,000 Text R822308 to 52187

Ready to Buy?

Contact our Team of Buyer’s Specialists

LaDon Torset

Buyer’s Specialist

206-786-8021

Ben Cole

Listing & Buyer Specialist

360-540-4834

Lake Stevens

PRIDE OF OWNERSHIP Equestrian property on shy 5 acres w/ covered arena, 8 paddocks, tack rm. Parking for 200+ cars. 50x80 RV shop. Amazing tree house too! $940,000 Text R675610 to 52187

Rick Vannoy

Listing & Buyer Specialist

425-344-2971

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