RE-Weekly 03/17/17 online

RE-Weekly.com .com REAL REALESTATE ESTATEIN INSKAGIT, SKAGIT,ISLAND ISLANDAND ANDWHATCOM WHATCOMCOUNTIES COUNTIES

INSIDE

This Issue This Issue

TAXING NEWS FOR HOMEOWNERS P. 4

Q & A: Ask Our Broker P. 8

NEED A BIGGER LOAN?

17439 17186McLEAN Coho Court, RD, MOUNT Mount VERNON Vernon Shelah Jamie Yantis/ Inman, Windermere/Skagit Brown McMillen RealValley Estate

RealEstate weekly RealEstate weekly

P. 9

SEE SEE PAGE PAGE 33 FOR FOR MORE MORE

Classifieds

$899,000 $425,000 360-661-0145 (360) 540-5264

P. 10 -11

supplementto tothe theSkagit SkagitValley ValleyHerald heraldand andthe theAnacortes AnacortesAmerican American AAsupplement

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FEATURE FEATUREHOME: HOME:

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MARch 17 – 23, 2017

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Open House Sat., July 23 & Sun., July 24 , 1-3 PM rd

Re-Weekly content sponsored by: Northwest Fine Furnishings

TABLE OF CONTENTS Taxing news for homeowners................. P. 4 Q & A: Ask our Broker.............................. P. 8

INSIDE

Need a bigger loan?................................ P. 9

PAGE

Classifieds.........................................P. 10-11

RE-Weekly.com

Bedroom sets, rocking chairs, nesting tables, swivel bar chairs, tiffany lamps, custom sofas, wooden toys and much more!!!

To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2016 by Skagit Publishing LLC | All rights reserved.

All real estate advertised in Real Estate Weekly is subject to the Federal Fair Housing Act, which makes it illegal to advertise “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preference, limitation or discrimination.” We will not knowingly accept any advertising which is in violation of the law. All persons are hereby informed that

all dwellings advertised are available on an equal opportunity basis.

For further information call HUD Toll Free at 1-800-669-9777.

All Houses subject to prior changes without notice. Neither advertisers nor Skagit Publishing are responsible for any errors in the ad copy.

Skagit Publishing reserves the right to refuse any advertising, which we deem unsuitable for our

MOUNT VERNON

320 S Burlington Blvd Burlington, WA 98233 (360) 755-9494

2025 Riverside Drive, Suite D Mount Vernon, WA 98273 (360) 755-9596

OPEN HOUSE SUN. MAR. 19TH 1-3PM 540 N. 3rd Street, La Conner

$389,900

Dir: From Morris Street, North on North 3rd.

One of a kind property near La Conner Marina on half an acre.

Outstanding location. Extra outside studio building & beautiful gardens. Huge private yard & terrific circle drive. Original molding.

Lots of storage. 10’ ceilings. MLS #980149

Sedro-Woolley

Call Elizabeth, 708-8800

w NE

Call Wilma, 661-1631

$234,950

Bow area home and acreage Cash buyer interested in purchasing a single level home on small acreage in the Bow area 300-400 K, shop would be a plus

$239,900

Large private fenced back yard. Partially covered deck with garden space. 3 BR, 1.5 BA. Open kitchen/living floor plan. Gas heat.

Community playground, walking paths, and RV/boat parking.

MLS #1088506

Call Traci, 391-2969

Wilma Louia Designated Broker/Owner 661-1631

Mount Vernon

Beautiful well maintained condo. Wonderful kitchen w/eating bar opening to dining area/LR combo w/cozy gas fireplace. Lots of windows, light & bright home. Master w/huge walk in closet & ¾ BA w/large walk in shower.

2nd BR w/balcony for BBQ’s & relaxing. Oversized 2 car garage and room for company parking too. No age or animal restrictions. MLS #1084847

Charlie & Jeannie Boon 708-9645

Sedro-Woolley

$759,900

Unique custom built, multi-level home with radiant heat on 1 acre.

4 BR, 3 3/4 BA, 5000 SF. 2 dining rms, formal living rm, parlor, library.

Kitchen has high end appliances & pellet stove. Gas free standing fireplace in master feat. full bath. Home office & possible guest bedroom over garage. MLS #1075960

Call Elizabeth, 708-8800 Call Wilma, 661-1631

Jim Stransky 708-1681

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

www.SkagitValleyRealEstate.com

Welcome our New Broker, Joe Eckerson!

Call Ivana, 770-3550

G TIN LIs

Mount Vernon

2

$54,900

Skagit River in Janicki Cove. Private gated community. Power, water and septic on property. 169 SF shed. Fruit trees. Private boat launch for residents. Recreational-temporary. MLS #1039184

publication.

Unless otherwise noted, all photographs, artwork and ad designs printed are the sole property of Skagit Publishing and may not be duplicated or reprinted without express written permission.

Skagit Publishing is not responsible for typographical or production errors or the accuracy of information provided by advertisers.

Elizabeth Detillion 708-8800

Contact Ron, 333-1045

Ivana Wood 770-3550

Mike Welling 540-1341

RE-Weekly.com

Debbie Benjamin 708-8780

Joe is dedicated to helping people with their real estate needs in the Skagit Valley and beyond. “I love this area and can offer expert advice to help clients to get a good deal.” A former high school teacher with many years of experience, Joe meets the individual needs of diverse clients and is fluent in Spanish.

“I will really listen to understand your needs and wants, then work with you to make sure your real estate transaction is a complete success. Call me today!”

Corinne Cartwright 202-2397

Laura Kaestner 441-5099

Jennifer Ohlsen 540-0717

Joe Eckerson 333-1640

Traci Erickson Property Manager 755-5555

1584964

1584760

SKAGIT PUBLISHING

BURLINGTON

Territory NW T

4

March 17, 2017

FEATURE HOME FROM COVER: 17439 MCLEAN RD, MOUNT VERNON

$899,000

Brown McMillen Real Estate 235 West Rio Vista Burlington, WA 98233 360.757.6013 www.brownmcmillen.com

Shelah Inman 360-661-0145

Turn Of The Century Classic... Beautifully Restored 4 bdrm home on shy 4 acres plus a 60’x92’ remodeled/re-structured barn w/loft. This historic home is 3,882 sq ft, loaded w/original charm from the covered wrap around porch to spacious formal living w/gas frpl, formal dining rm w/boxed beamed ceiling, butler’s pantry, kitchen w/granite, dual ovens, loads of storage, large adjoining eating area, separate family rm w/gas stove, 2 stairways, 4 bdrms w/walk-in closets, mst suite & office w/built-ins. $899,000 MLS#1083997 1594030

Great Investment Opportunity! #1088531 • $289,000

Fannie Mae Homepath

#1071869 • $369,900

Private Setting

#1089520 • $395,000

This listing has two separate living spaces, The bigger home is 1,088 square feet with 2 bedroom and a full bath and the smaller one is approximately 432 square feet with 1 bedroom and one full bath. There are views from the deck and it is on a corner lot.

You can live in one and rent out the other for some added income!

This great investment will go quick so come take a look!

Offers: Seller intends to review offers upon receipt

Fantastic Fannie Mae Homepath Rambler in Skyline. This 4 bedroom 3 bath 1,900 sqft house has been fully remodeled and is ready for new owners!

NEW: Roof, Gutters, Exterior Paint, Interior Paint, Flooring, Stainless Appliances, Granite counters Fixtures,Water Heater,Furnace & Ductwork,and much more!All set on a large level quiet fenced lot in Skyline, walk to marina and all the amenities of Skyline HOA. Don’t miss this one!!!

Offers: Seller will review offers on Offer Review Date (may review/accept sooner)- 02/06/2017

Great property tucked back in a private setting that offers multiple options for a buyer. Main residence is a 2 bed/1 bath home with new carpet and flooring. Separate studio apartment has a kitchen and 3/4 bathroom that rents for $800/month. Studio has a separate septic system and power meter. RV Parking available with hookups. Both buildings share Anacortes Water PUD.A well is also on site. Large yard for garden and outdoor leisure.

Offers: Seller intends to review offers upon receipt

Luxury on Campbell Lake #1020711 • $3,277,000

Fantastic opportunity! #1089069 • $199,999

Prime Retail Space #1009604 • $1,900

Experience the NW lifestyle in luxury on Campbell Lake in the San Juan Islands. Situated at the heart of Fidalgo Island, this property offers features that surpass expectations with outstanding quality. The 9 ac. estate provides waterfront lake access, helicopter pad, sports facility, fishing pond, vault, and enough space for a car collector. Additional 2 bed 2 bath luxury home on property for guests or staff. Enjoy sweeping hilltop views by the fire in the most beautiful part of the Northwest.

OPEN HOUSE SAT. 3/18 11-2 802 Nelson St, Sedro Woolley This classic 3 bedroom 1 bath home sits on a large lot right in town and next to the elementary school!

Home features free standing gas fireplace, living room with hardwood floors,large kitchen,deck, fenced back yard and huge shop with alley access.

Offers: Seller intends to review offers upon receipt

3,400 Sqft of Prime Retail Space on College Way located in a busy multi tenant complex right on the corner of College Way & Parker Way. High visibility. Walking distance to the College, Terrific signage. This space is composed of 2,600 sqft of ground floor Office/Retail open retail space with high ceilings large counter/service area that offers a multitude of uses and and ready to configure to fit as well as a 900 sqft 2nd floor office/conference/banquet/storage room & private bath.Ample parking.

1584851

“Fulfilling Northwest Family Dreams” Anacortes Office

1202 Commercial Ave Anacortes, WA 360-588-1515 • adrhomes.net

March 17, 2017

Umpqua’s loan officers are local experts equipped with an array of options for your purchase, refinance or new construction. Plus, we’ll stick with you every step of the way—because that’s what good neighbors do.

Contact your friendly Skagit Valley area loan officer today!

Susie DeVries

Travis Brewer

Piero Rodriguez

Home Lending Sales Manager NMLS 487442 CALL 360-230-2246 UmpquaBank.com/SDeVries

Home Loan Officer NMLS 55324 CALL 360-230-2248 UmpquaBank.com/TBrewer

Home Loan Officer NMLS 1172408 CALL 360-230-2241 UmpquaBnak.com/PRodriguez

Mount Vernon Office

2788 E College Way Mount Vernon, WA 360-416-6500 • adrskagit.com

Like American Dream Real Estate Mount Vernon

GOOD NEIGHBORS MAKE GREAT LENDERS

1535460

american dream real estate services, inc.

www.adrhomes.net

Loan products subject to credit approval.

Member FDIC Equal Housing Lender

NMLS #401867

HLD16Q4.1125

RE-Weekly.com

3

How changes in the federal tax plan may affect the mortgage interest deduction

F

Taxing News for Homeowners

or the past 104 years, the mortgage interest deduction (MID) has been a popular mainstay of the tax code. But experts say the MID may be less impactful if President Trump and Congress follow through on their plans to usher in tax reform measures.

The MID allows homeowners who itemize their deductions on their federal tax return to deduct any annual interest paid to lenders on a mortgage, thereby lowering their tax rate. Current deduction limits are $500,000 for individual taxpayers or married taxpayers filing separately, and $1 million for married homeowners filing jointly.

Forbes reports that, in 2014, 44 percent of homeowners (66 percent with a mortgage) took advantage of the MID, equating to $308 billion in total deductions. That’s no small chunk of change.

Supporters like the National Association of Realtors maintain that the MID encourages Americans to become homeowners because it provides more purchasing power to buy a home and is a boon to the real estate market; many fear that messing with the MID will increase mortgage defaults and foreclosures and set back the real estate recovery. Critics contend, however, that the MID is actually designed to provide bigger tax breaks to the wealthy and is overdue for an overhaul.

While neither the Trump Administration nor 4

House Republicans are proposing to eliminate the MID altogether, as previously feared, Trump’s plan currently calls for limiting all combined itemized deductions to $200,000 for married couples filing jointly and $100,000 for single taxpayers. Also, it would double the standard deduction a filer could take ($30,000 for married couples filing jointly and $15,000 for single filers) instead of claiming itemized deductions; in other words, married homeowners would need to meet a $30,000 minimum threshold in mortgage interest and additional deductions for them to be worth itemizing.

“Reduction of the mortgage interest deduction could have a profound effect on current and future homeowners,” says Jeremy Colonna, vice president/ principal of Matchpoint Funding in Los Angeles, who notes that homeowners in larger metropolitan areas like Los Angeles, San Francisco, Seattle, New York City and Washington D.C. would feel a bigger impact if Trump’s tax changes take effect. “Millions of homeowners take this deduction into account when making a decision to purchase their homes. This is akin to changing the rules in the middle of the game.”

Crystal Stranger, a Las Cruces, N.M.-based tax professional and author of “The Small Business Tax Guide,” on the other hand, believes proposed tax changes that affect the MID could be a good thing.

RE-Weekly.com

“The mortgage interest deduction benefits less people each year because prime interest rates are low, home prices are relatively low, and the standard deduction is high,” Stranger says. “Those who benefit most are urban residents in high tax states who are also often hit with the alternative minimum tax, which lower the itemized deductions allowed.

That means it’s really not much of a tax boon to higher-income taxpayers.”

Stranger says the logic behind the Trump Administration’s plans is to lower overall tax rates and create a simpler and more fairly applied tax system that will most benefit those living in lowercost areas.

Frank Zaccanelli, CEO/managing partner at Fiamma Partners LLC in Plano, Texas, agrees that these proposed changes shouldn’t negatively affect the lower- and middle-income homeowners.

“I predict that President Trump will change the mortgage interest deduction, so that it doesn’t turn into another tax break for the wealthy, yet preserve it at lower levels so it won’t hurt working families,” Zaccanelli says.

Stranger doubts the MID is in danger of getting scrapped altogether anytime soon.

“Too many people depend on it, and it would hurt the housing industry, which Trump is heavily invested in,” Stranger says.

March 17, 2017

Sandi riley 770-8670

NORTH HOMES REALTY INC. 1415 S 3RD STREET, MOUNT VERNON

$278,900

!

TED LIS ST JU

ltco.com Local Professionals Serving our Community

#1 IT UN

Trusted Service for over 76 years

Sandi Riley 770-8670 41971 CAPE HORN DRIVE, CONCRETE .

AR P/G SHO LG.

$264,500

SANDI R. 770-8670

SANDI RILEY 770-8670

*LOVELY “CRAFTSMAN” STYLE 2 STORY W/5 BEDROOMS & 2.5 BATHS! *UPDATED KITCHEN & FLOOR COVERINGS, NEWER ROOF & PAINT *GAS HEAT, STORAGE/SHOP SPACE IN FULL BASEMENT

*NEW LISTING, PRICED TO SELL IN “TOP 5” PARK IN WASHINGTON STATE! *SPACIOUS 1764 S.F. 3 BEDROOM, 2 BATH UPGRADED BEAUTY *BEST OF ALL, HUGE DOUBLE GARAGE + SHOP ROOM ADDITION

*PARK LIKE MATURE LANDSCAPING W/TALL EVERGREEN- PRIVACY FROM STREET *OPEN PLAN 3 BEDROOM W/GAS FPL., T.V. RM./DEN, 2 BATHS *OVERSIZED FIN. GARAGE/SHOP W/EXTRA “HALF” BATH

2725 E. FIR STREET “PARK VILLAGE” MT. VERNON

41975 CAPE HORN DRIVE, CONCRETE

300 GIBSON STREET, SEDRO WOOLLEY

$59,500 23 #1 IT UN

• 3010 Commercial Ave Anacortes 1-800-870-8571 • 360-299-0565

$76,500

OPEN HOUSE SAT. 3/18 1:00-3:00 SANDI R. 770-8670

+ 55

• 111 E. George Hopper Rd Burlington Title: 360-707-2158 Escrow: 360-707-2312 1-800-869-7121

2610 E. SECTION ST. “LITTLE MOUNTAIN ESTATES” M.V.

+ 55

LAND TITLE AND ESCROW W

$48,900

IN! IES ILIT UT

$208,900

!

SH CA OR VA

SANDI RILEY 770-8670

SANDI RILEY 770-8670

SANDI RILEY 770-8670

*BEST PARK LOCATION! ON THE POND, ENJOY CHANGING WILDLIFE VISTAS *NEW ROOF, NEW COV. FRONT & BACK DECKS PLUS DEN/OFFICE *2 BED., FAMILY RM., 2 BA., NEW GAS STOVE & RANGE, 2 CARPORTS!

*PARK LIKE BUILDING SITE W/SEPTIC SYSTEM INSTALLED! *COMMUNITY WATER IN W/ELECTRIC IN STREET *80 X 200 MANICURED SETTING, HOME NEXT DOOR AVAIL. FOR SALE

*VERY NICE 3 BEDROOM, 2 BATH W/GAS HEAT, GAS RANGE IN SUNNY, OPEN KITCHEN *GREAT LOCATION WALKING DISTANCE TO DOWN TOWN, BIG CORNER LOT *LG. R.V. SIZE GARAGE/SHOP + R.V. HOOKUP & DUMP

5416 EMERALD COURT, MOUNT VERNON

1615 E. HIGHLAND AVE. MOUNT VERNON

1707 N. 33RD. PLACE, MOUNT VERNON

$222,000

ING

$317,900

D

SOL

PEND

$317,900

D

SOL

SANDI RILEY 770-8670

SANDI RILEY 770-8670

SANDI R. SANDI RILEY 770-8670 SANDI R. 770-8670 770-8670

*CLOSE TO SKAGIT VALLEY COLLEGE & ALL SERVICES, NICE CORNER LOT *3 BEDROOMS, 2 BA., GAS HEAT, CENTRAL “VAC” *HIGH OVERHEAD CARPORT FOR R.V.’S, 2 STORAGE BUILDINGS

*QUIET CUL DE SAC W/’WOODED GREENBELT BEHIND *4 BEDROOMS, 2.75 BA., DEN/OFFICE + GAS HEAT & 2 GAS FPL. *OVER 2300 SQ. FT., DOUBLE GARAGE, PRICED TO SELL!

*”TIMELESS TRADITIONAL” STYLING & APPEAL, UPDATED BEAUTY! *4 BEDROOMS, 2.5 BATHS, OPEN/SUNNY KITCHEN & ATTACHED FAMILY RM. *GAS HEAT, DOUBLE GARAGE, LG. DECK, QUIET ST. NEAR HOSPITAL/SERVICES

1550039

Brown McMillen Real Estate

360.757.6013 800.869.7084

w w w. b r o w n m c m i l l e n . c o m • 235 W. Rio Vista Avenue, Burlington

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SEDRO WOOLLEY…This charming 3 BD, 1 Full BA home is just over 1,000 SF. Spacious living room with pellet stove & nice kitchen. Large fenced backyard with garden area. Beautiful view of mountains around & wonderful covered front porch. $199,950 #1089219

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BLACKBURN RIDGE…Just under 1,700 SF, this home offers a large living room with gas fireplace, 3 BD, 1.75 bath, & spacious master. Nice private patio with partially fenced backyard and garage with shop space. $285,000 #1067263

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Kristen Tuttle Yvonne Brown Galen Kindred Holly Hilts

March 17, 2017

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CAMANO ISLAND…3 BD, 2.75 BA home with nice open floor plan, daylight basement, & large deck to enjoy the stunning views of Bay and Mt. Rainier. At just over 2,200 SF this home is a MUST SEE in person! $449,900 #1089783

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MEDICAL CLINIC…Great location in center of MV. One story with 3,575 SF of office space w/large reception area. Well designed for numerous professions as office space. Well maintained and some recent updates. $799,500 #1061873

708-8392 840-4375 770-7083 661-5538

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BAYVIEW RIDGE…Valley view, 4 BD, 1.75 BA with lovely kitchen, vaulted ceilings, spacious dining room, & play or hobby area on lower floor. Huge deck for entertaining, and in a very established neighborhood. $339,950 #1084490

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Jeff Ingman Shelah Inman Jodi Dynes Fritz Inman

202-2859 661-0145 333-7783 661-0147

PR

CAMANO ISLAND HOME…Large 4 BR, 3 BA home. Sitting at 3,400 SF this home is on a corner lot with lots of windows to catch surrounding views of the sound. Large backyard, 2 covered decks, and many extras! $439,000 #1074057 Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

391-5587 661-1500 770-6013 661-4533

St. Patty’s Day is here, So bring on the cheer, Celebrate with green, And come check Out Brown McMillen’s Seen.

With New Listings & New Prices, We’ll get on our Devices, And find you that perfect place So we can see a smile on your face.

Tod LeHecka Jan Scally Dale Owenby

333-1032 421-5160 913-8662

1585060

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1584724

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www.WindermereSkagit.com RESIDENTIAL 210 W. Woodworth St, SW

$180,000

Great location in the heart of Sedro-Woolley’s central business district. Property is zoned commercial but being

NE

W

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VACANT LAND

used as a residence with no permits. Buyer to verify any intended use with the city.

Call Nikki Ganske, 941-8999

MLS# 1077932

118 Hazel Ave, Burl

$234,000

Great home near Burlington High School. Updated features include painting, flooring, carpet, bathroom, & more.

Zoning is medium residential/neighborhood-business. There is potential for many allowed uses as a residence, rental, or business. Has a storage shed & large patio area, partially fenced for privacy. Extra finished room with closet rack.

Natural gas stubbed to property.

Call Warren Bingham, 770-2421

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MLS# 1079484

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3318 Arbor St, MV

$238,000

Well cared for & spacious 4 bedroom home in the Rosewood community. This 2 story house leads into the living room & dining area. The Master bedroom is on the main floor with a walk in closet. The kitchen provides great cabinet & pantry storage. Upstairs you will find 3 bedrooms with an extra rec room area for a work or play area! The backyard is fenced, & backs to a community sport court.

Location is great for schools & local amenities.

Call Elizabeth Miller, 420-3607 or Travis Miller, 420-7291 811 N 18th Street, MV

MLS# 1089405 $249,900

Charming 3 bed, 2 bath home with single car garage.

Close to schools & the hospital. The backyard is fenced for privacy & has a large shed for tools or other projects.

Master bedroom takes up the second floor, the room has a nice bath & vaulted ceiling.

Call Jake Koetje, 202-2500

MLS# 1087343

908 Jameson St, SW $269,000 Updated kitchen, s/s appliances & double oven. Formal dining room with built in hutch, wood fireplace in Living room. Large family room on the lower floor. Large laundry room, 2 additional rooms for the potential of having 4 bedrooms. A detached 2 car garage & shop along with a carport offers plenty of covered parking. This home is ready for occupancy!

Call Linda Eastman, 202-4075 MLS# 1086886 1600 Alpine Crest Loop, MV $354,000 Beautifully finished Eaglemont cond. End unit features territorial & golf course views & large private deck.

Beautiful stainless appliances, hardwood flooring, large master suite on main level. This view condo has 1890 SF on main & upper levels - large unfinished lower level waiting for a custom build out - all electrical & plumbing in place for large rec room & 2 additional beds.

Call Jim Glackin, 428-2828 MLS# 1039782 5324 Cedar Ridge Place, SW $475,000 Custom home with amazing views. 3 beds + office, 2.75 baths, 2,636 SF. Loft area upstairs makes a perfect guest room, play area, and/or crafts room. Over-sized deck and water feature to sit & relax. Raised beds for gardening, plus peach, apple, pear, cherry & plum trees and various berry bushes plus a garden shed on 5+ acres with trail to Samish River.

Call Becky Elde, 770-9427 MLS# 1073148 25473 Morford Ct, SW $649,888 Stunning custom home features 4 beds, 3.5 baths, 4,473 SF on 1 acre surrounded by 14 acres of rural reserve. Main level living w/open floor plan, charming kitchen w/pantry, great room, formal dining, & spacious master suite w/ double sided fireplace & 5 pc spa bath. Vaulted ceilings, white oak floors, granite, stainless appliances & maple cabinets. Theater room, bonus room, gym, & wet bar. Wrap around. 3 car garage/RV prk.

Call Nicole Ganske, 941-8999 MLS# 1063718

7429 Windsong Lane, SW $110,000 A Piece of paradise is what you will find when you see these lots. These lots are level & ready to build with water & power in the street. Paved street, cul-de-sac. Gorgeous setting with amazing mountain views. So peaceful & quiet.

You can watch the eagles soar & enjoy the wildlife & yet only be 14 miles from Sedro-Woolley. We have builders or you can bring your own builder.

Call Becky Elde, 770-9427 MLS# 1081234 2930 Upper Samish Rd, SW $120,000 3 acres in a great location. All utilities are in.

Call Becky Elde, 770-9427 MLS# 1088631 5255 Wickersham Rd, SW $150,000 FIRM ON PRICE! AS IS! 9.85 Acres. A peaceful place to build your home. A large portion is level, 3 sides are fenced, septic in, well in, electricity at the street. A gate & evergreen bordered driveway. The Samish River runs through the east side. Build on the west side, where it is high & dry. This property has fruit trees, dogwood, willow, evergreen, large maple too.

Call Bette Thompson, 840-5109 MLS# 1035643 14397 Channel Drive, La Conner $175,000 Beautiful mountain, farmland, and partial Channel views from this level, cleared, FEE SIMPLE 1 acre lot in quiet residential area of higher-end homes. Power, water, & gas available in street. La Conner School District. Access via shared driveway between parcels P119642 & P119639.

Not leased land.

Call Spencer Roozen, 708-0634 or Megan O’Bryan, 708-5817 MLS# 1076852 Downey Road, La Conner $325,000 Rare 19.66 acres north of La Conner with lot certification.

Enjoy the views of Mt. Baker & the Cascades from your new home & lease the balance out to a local farmer. This is a rare opportunity to own less than 40 acres in the ag zone with a building right.

Call Jim or Balisa Koetje, 421-4111 MLS# 886835 12481 Persons Rd, Bow $779,000 Breathtaking 8.94 view acres featuring PUD water, power, 4 bed septic permit & completed critical area review.

Western sunsets, views of Padilla Bay, Olympics & the San Juan Islands are just a few of the magnificent features. Build your estate on one of Skagit County’s prime locations.

Call Linda Eastman, 202-4075 MLS# 1035765

Skagit Valley • 1030 E College Way • Mount Vernon • (360) 424-4901 April Axthelm Balisa Koetje Becky Elde Bette Thompson Bill Krieger Brett Johnson Cory Keihn Dave Patterson

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360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-661-3825 360-441-1760 360-708-5030

David Mani Dawn Hardman Deborah McNeal Dick Nord Don Neill Donna Rowell Elizabeth Miller

425-319-7091 360-540-0058 360-707-8073 360-661-6529 360-420-4444 360-708-7984 360-420-3607

George Bellos Geri Cole Harry Ota Hollie Del Vecchio Jake Koetje Jamie Yantis Jim Glackin

360-708-9762 360-391-1614 360-708-3500 360-525-5538 360-466-8045 360-540-5264 360-428-2828

Jim Koetje Karen Beckner Karen Peirolo Karine Anderson Leah Hines Linda Eastman Megan O’Bryan

RE-Weekly.com

360-202-2500 360-840-9455 360-348-0480 360-421-1189 360-428-3012 360-202-4075 360-708-5817

Navigating the rental market c Windermere Property Manag We offer full-service property commitment to quality and ac Or, do you need a tenant but don’t want full-time management? Ask us about our lease only services as well!

Anacortes (360)588-6016 | Mount Vernon (3

North Cascades • 520 Cook Road Nathan Loeb Nicole Ganske Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Shelly Hanson Spencer Roozen

360-333-7197 360-941-8999 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-420-2565 360-708-0634

Tahlia Honea Tasha Zahlis Terri Heyntsen Tessa Jarvis Tiffany Danley Travis Miller Warren Bingham

360-333-5815 360-391-5075 360-391-0938 360-503-1939 360-298-4857 360-420-7291 360-770-2421

March 17, 2017

www.AnacortesRealEstate.com RESIDENTIAL NE

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598 Shelter Bay Dr, La Conner $699,000 Enchanting park-like grounds set the stage for this magnificent waterfront home. Step into this impeccably constructed, architecturally pleasing home with well designed floor plan featuring many windows to enjoy the wide water vistas, high ceilings, kitchen open to breakfast/ sunroom & family room. Luxuriate in your private main level master bedroom retreat. Lower 2nd family room, 3rd fireplace & wet bar. Home designed for graceful living ~ watch the boats go by. Shelter Bay moorage available.

Jackie Stone 360.661.2247 MLS# 1086337

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360)428-3012 | Sedro-Woolley (360)503-1939

d • Sedro-Woolley • (360) 856-4901 Bill Robillard Bob Hyde Carla Keel Caroline Baumann Catherine Mers Christine Cleland-McGrath Cheryl Frazier Colleen Craig

March 17, 2017

360-770-4707 360-661-0756 360-770-0743 360-202-7327 360-982-6831 360-708-0267 360-202-4789 360-770-9638

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Campbell Lake Rd Lot #2, Anacortes

$88,000

This property provides an opportunity to create a uniquely personalized home in a wooded setting overlooking beautiful Lake Campbell. Just minutes from Deception Pass & Mt Erie, the property is perched on a sunny, south-facing slope, offering filtered views to the sparkling lake. Access to the lake is assured by an included interest in a common waterfront parcel.

Debbie Macy 360.391.2422

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MLS# 1085385

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OPEN HOusE 3/18 & 3/19 11am-3Pm 127 Lummi Cir, La Conner $529,900 Wonderful low bank waterfront home in Shelter Bay with a 30’ dock. Light filled home with beautiful brick flooring & Russian Fp. Views to bay, allowing you to enjoy the boat traffic & peaceful setting for entertaining or just relaxing. Enjoy all that historic La Conner has to offer just minutes away. All the amenities of Shelter Bay included: Golf Course, 2 Pools, Community Center, Tennis Courts, Private Beach & Marina. It’s all here in this well cared for home of your dreams!

Kim Wilson 333.2490 Rebecca Chamberlain 421.5021 MLS# 961801

1406 30th St, Anacortes $445,000 First time on the market! This house was custom built by the owners to take advantage of the spectacular view!!

This 3 bedroom, 2 bath home also boasts ample RV parking and a dream shop with room for 2 vehicles!! All this in town on a triple lot, close to schools and shopping!

This property has been beautifully maintained with a new roof 2013 (house), 2000 (shop), new furnace 2005, and new dryer and water heater 2016.

Kristi Gabrielse 360.420.3119 MLS# 1083257

7314 Holiday Blvd, Guemes Island

$80,000

This is a perfectly situated lot it slopes with a south easterly attitude towards the sun and is protected by the same slope from the north winds. Lightly treed full of beautiful ferns and substantial trees, you just can’t help but fall in love. This lot includes a water share ($17,000 value).

Holiday Hideaway amenities including 3 community beaches and boat ramp.

Kristi Gabrielse 360.420.3119

MLS# 1083332

Anacortes • 3018 Commercial Ave • Anacortes • (360) 293-8008 Cynthia Aanestad Debbie Macy Donna Cunningham Gina Davis Jack Dixon Jackie Stone Jeannine Reinig Jessica Notaro

360-610-0120 360-391-2422 770-335-7513 360-708-7794 360-941-5000 360-661-2247 360-724-8555 360-202-1441

Joan Handelmann John Prosser Judy Moore Kathy Rogers Kristi Gabrielse Kim Wilson Leigh Zwicker Linda Macy

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360-202-4800 360-202-3891 360-770-3515 360-941-4400 360-420-3119 360-333-2490 360-333-9975 360-708-8284

Margi Houghton Nate Scott Paul Weisz Rebecca Chamberlain Rick Bennett Rob Skelton Sarah Jones Tracy Peterson-Foy

360-202-0041 360-708-2354 360-391-7281 360-421-5021 360-202-2630 360-488-3776 360-333-2783 360-708-1833

1584651

www.RentalsWPM.com

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516 5th St, Anacortes $248,000 Absolutely charming bungalow in Cap Sante area of Old Town, with high ceilings, newer paint and carpet, fullyequipped kitchen and laundry room, new hot water tank, walk-in pantry and all appliances. Remodeled 10 years ago to add insulated windows, bright dining room with laminate flooring, 3/4 bath off the kitchen, gas F/A furnace and full master bath with two sinks and great storage. Lg shop/studio in fully-fenced back yard w/room for a garden and a great location near town, marina and trails.

Sarah Jones 360.333.2783 MLS# 1079896

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can be overwhelming. Let gement alleviate your worry. y management with a strong ccuracy.

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Tax Return Trouble Question:

We have visited several mortgage lenders to pre-qualify for a loan. We have very good incomes, but to lenders we seem on the brink of poverty.

The problem is we are self-employed, have lots of write-offs and don’t show much income on our tax returns. What can we do?

Answer:

Lenders strongly rely on tax returns when trying to calculate the ability to borrow. However, many entrepreneurs have good cash flow and significant income yet because of various deductions, they seem to have less income than lenders need for a given mortgage.

What you need is an alternative way to qualify.

In recent years lenders have tried to expand the “credit box” in different ways because nearly 35 million households are unbanked or under-banked according to the FDIC. So, for example, lenders

FINAL PHASE

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might be willing to accept rental checks and utility bills as evidence of credit.

Because you have a good income your situation is different. You likely are “banked” and have a good credit score. What you don’t have is sufficient income if lenders look no further than your tax statements.

Under Dodd-Frank lenders must make “a reasonable and good faith determination based on verified and documented information that, at the time the loan is consummated, the consumer has a reasonable ability to repay the loan.” Tax returns can help meet this standard but in some cases, so will other paperwork.

The trick is to find lenders with more flexible qualification standards. Look for lenders that will consider an application on the basis of your bank statements. In such a situation the lender will likely want 12 to 24 consecutive bank statements. The lender will then average deposits to come up with a monthly income.

The advantage here is that all of your income shows, there are no deductions in the sense of what you find on a tax return. The result is that you will likely have a higher income for application purposes.

Q& A

ASK OUR BROKER

By Peter G. Miller

The bank statement approach, however, is not without hurdles. Different lenders have different requirements and you can expect several related paperwork demands: Lenders will want to see business account records and tax returns. If bank account records show overdrafts those will potentially weigh against the borrower. Also, there must be some reasonable relationship between deposits and your work. In many instances, there will be higher down payment requirements than with typical financing. And, since you’re asking the lender to do extra work, there may be additional costs.

For details and specifics call around and see if you can find a local lender that will consider an application based on bank statements. Be sure to ask about requirements, rates and costs.

New home community designed exclusively for 55+ Starting from the high $300’s Large Homesites - some nearly ¼ acre in size!

Yards maintained by the homeowners association Homes range from 1,682 – 3,291 square feet 3-car garages available on some home designs

1.877.769.8070 LandedGentry.com Contact Rebecca 360-982-8964 or Mary 360-708-6763. Sales office is open Wed-Sun, 12:00-5:00. Directions: I-5 to Mount Vernon; Exit 225, East on Anderson Road to 4 way stop.

Proceed straight on LaVenture to E. Division Street. Right on East Division to Twin Brooks Dr.

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Need a Bigger Loan? There’s a Bank for That

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onforming loan limits increased for the first time in more than a decade due to an increase in housing prices and home values nationally and to adjust for inflation.

“The Housing and Economic Recovery Act of 2008 restricted government-sponsored enterprises like Freddie Mac and Fannie Mae from increasing these limits until real estate prices exceeded their pre-crises highs, which were reached around July 2006,” says Tyler Case, mortgage loan officer for Pittsburgh-headquartered PNC Bank.

Prospective buyers who need extra financial help in the form of a jumbo loan also have reasons to be optimistic, says Patrick Lamb, president of Scottsdale, Arizona-based Homeowners Financial Group.

“Fortunately, as the real estate market has recovered, options for jumbo loan financing, including loans that require less than a 20 percent down payment, have significantly expanded,” Lamb says. “Because of the increased liquidity for jumbo loans, it’s become easier for homebuyers to obtain financing for larger homes.”

That’s not to say that obtaining a jumbo mortgage is a piece of cake, however. These loans are not sold to or securitized by government agencies; instead, they’re commonly sold to large

March 17, 2017

banks, institutional investors or other private companies and are either held in portfolios or securitized through private residential mortgage-backed securities transactions. The fixed interest rate on jumbo mortgages may be higher, and you usually need a debt-to-income ratio of no higher than 43 percent, a credit score of 720 or greater, several months’ worth of backup savings, and a more established history of income.

“But there are jumbo lenders out there that can go down to a 680 credit score or 10 percent down on an adjustable rate mortgage, in some cases,” says Andrew Saltman, CEO of Carbon Capital in Ponte Vedra Beach, Fla. As always, due diligence is essential when seeking financing.

Prepare to shop around among different direct lenders, mortgage brokers, and mortgage bankers who also act as brokers; if you want to go jumbo, seek out a knowledgeable lender who works with numerous jumbo lenders/investors.

Experts recommend first getting pre-qualified for a mortgage by working with an experienced mortgage professional who can help you understand the different program options and terms available to you.

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1416 ALPINE VIEW PLAcE, EAGLEMOUNT

$479,000 2009 WOODRIDGE AVENUE, MOUNT VERNON Exquisite Condo with spectacular views of Eaglemont Golf Course & the Mountains. 3 bedrooms plus den/library, 3 1/2 baths designed for casual/elegant living. Great room with hardwood floors, custom blinds, unique stone fireplace.

French doors leading to a large deck with electric sunshade to enjoy the views! Enjoy cooking in your gourmet kitchen while looking across the golf course, granite counters, large island/eating bar, stainless steel appliances, gas stove and wine refrigerator! Large main floor master suite & master bath with separate shower & Jacuzzi tub, wonderful walk-in closet with built ins. John Hunter MLS #1087943 360-202-3854

23786 KAMLOOP cT., MOUNT VERNON

$150,000

Large lot in Nookachamp Hills Community. Beautiful country setting overlooks a private lake for you to enjoy. Less than 10 minute drive to the city of Mount Vernon.

All utilities are stubbed to the lot. Yolanda Sakuma 360-421-0435 MLS #1059504

13813 STATE ROUTE 9, MOUNT VERNON (5 AcRES)

$239,000

Beautiful view property, ready for you to build your dream home. PUD water, power and 3 bedroom septic surrounded by a circular driveway or continue on to another wonderful building site - cleared, level, and with spectacular mountain view! New gravel road is partially paved. Good access from Highway 9 for easy driving i n t o property.

I-5 minutes a w a y.

Watch for Carla Fischer Celia Miller signage. 360-982-0010 360-391-6065

1804 BAKERVIEW cT, MOUNT VERNON 98274

Mount Baker view from one of the premier large lots (10972 Sq. Ft.) in beautiful peaceful Eaglemont!

18 hole championship Golf Course & large Clubhouse with full service restaurant and incredible views, plus gym facilities! Builder/Owner will build for you or bring your own plan! All utilities are in and ready for you to build. Complete set of plans for a beautiful home on this lot is negotiable. Builder completed 1806 and 1808 Bakerview Ct. MLS #848246

LOT 18 TRILLIUM LANE, cONcRETE

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$39,000 1238 TOLEDO ST, BELLINGhAM

Danya Wolf

360-708-8294

Custom, 3 bed/1.75 bath beautifully appointed 1,600+ sq. ft. home featuring, ceramic tile backsplash in kitchen, tile floors in entry and bath; vaulted ceilings, skylights, hardwoods and walk-in closet.

Fully fenced yard offers covered deck, garden space and fruit trees. Garage with 200 amp service, extra storage and work bench.

MLS #1073807 Danya Wolf

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360-708-8294

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Lovely future building site requisite on using water catchment system to obtain building permit. Power to the property. Nicely treed level tract of land with open area ready for building in the future. Paved street.

Walking distance to Rasar State Park! MLS #1080761

$335,000

$355,000 63 WILLOW LANE, MOUNT VERNON

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Partial bay and city view.

4 bedrooms, 2 full bathrooms.

Master bath has walk-in handicap tub and extra vanity, tile floor at bath and kitchen, stainless appliances, dishwasher, range, refrigerator, washer and dryer stay with house. Gas fireplace, Oak floors, 2 large decks, storage building at back of house.

Located near schools, event locations and shopping. MLS #1040211

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Joan Boudreau 360-391-0746

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Permit-able for in home business. Roomy, 1,700 sq. ft. 3 bedroom, 1 ¾ bath 1 ½ story home on spacious 1/3 acre lot in convenient location. Updated interior, country kitchen, charm of yesteryear. Easy access to everything!

Shopping, schools, bus line and medical.

Danya Wolf Zoned for possible in-home business.

Plenty of parking, including for 360-708-8294 RV. Nicely fenced back yard with fruit tree and other trees.

MLS #1008048

Happy St. Patrick’s Day!! 17714 KINGFIShER cOVE LANE, BIG LAKE NEW

May Your Home Always be Too Small to Hold ALL Your Friends

$165,000

Elva Hunter

360-202-3086

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PRI

$250,000

$898,900

Waterfront home with 75 ft of lake frontage with private dock! Custom Spanish Style home w/ sweeping staircase up to luxurious master suite.

Kitchen with granite and sub-zero refrigerator; radiant heat; skylights; vaulted ceilings; surround sound; built in vac; rec room and bonus/storage room. Fantastic views from choice of 3 decks!.

MLS #1007986

Danya Wolf

Carla Fischer

360-708-8294 360-982-0010 Danya Wolf 360.708.8294 Suzanne Jenkins 360.941.2983 Brett Tacker 360.840.7931 Sandy Everett 360.202.3706 JoAnn Boudreau 360.391.0746 Celia Miller 360.391.6065 Donna Kurras 360.770.7596 Elva Hunter 360.202.3086 John Hunter 360.202.3854 Russ Lanker 360.708.1117 Shirley Bertholf 360.840.1863 Carla Fischer 360.982.0010 Yolanda Sakuma 360.421.0435 Patricia Box 360.941.9186

3780 E. College Way, Mount Vernon

360.424.0300

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