Re weekly 07 29 16

RE-Weekly.com REAL ESTATE IN SKAGIT, ISLAND AND WHATCOM COUNTIES

INSIDE

This Issue

Q & A: Ask Our Broker P. 4

5 REASONS TO GET PREAPPROVED WHEN CREDIT IS BAD P. 9

Classifieds P. 10-11

Open House Sat., July 23rd & Sun., July 24th, 1-3 PM 17186Chippewa 1000 Coho Court, St., Mount MountVernon Vernon Jamie tim reichert, Yantis/ Windermere/Skagit Brown McMillen real Valley estate

RealEstate weekly RealEstate weekly

SEE SEEPAGE PAGE33FOR FORMORE MORE

$495,500 $425,000 360-391-5587 (360) 540-5264

A a supplement to the Skagit Valley herald and the Anacortes anacortes American american

1474678

July 29 - AUG. 4, 2016

1474289

FEATURE HOME:

Re-Weekly content sponsored by: Northwest Fine Furnishings

TABLE OF CONTENTS Q & A: Ask our Broker.............................. P. 4 5 Reasons to Get Pre-approved when credit is bad................................... P. 9

Custom sofas: You choose the size, style and fabric…

INSIDE PAGE

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

4

Platform beds with storage…

Lots of unfinished chairs…

RE-Weekly.com

Benches in many sizes and styles…

Local maps and charts on SKAGIT PUBLISHING

Mission-style bedroom furniture….

Mon-Sat 9:30 - 5:30 pm • Sun 11 - 4 pm (360) 424-8455 • www.nwff.com 919 Riverside Drive, Mount Vernon

1478712

Custom colors available on some furniture

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

BURLINGTON

Territory NW T OPEN HOUSE SAT. JULY 30TH 1-3

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. JULY 31ST 1-3

w NE

684 Hamlin Place Burlington $359,950 Dir: From Peterson, North on Woollen, East on Hamlin.

Enjoy space & privacy, 4 BR home that backs to a greenbelt, Open kitchen & family room, Large master w/attached bath & walk-in closet, Lots of flex space, Terrific storage, 2 pantries. MLS #976898 Call Elizabeth, 708-8800

540 S. 3rd Street La Conner $449,950 Dir: From Moris Street, North no 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 Call Elizabeth, 708-8800

Heron Beach Lane, 4833 Bow $249,000 Undivided ownership in 232 feet of no bank waterfront w/dock & boat launch, Views of Samish Bay, Mt. Baker & Chuckanut Mountain, 3 car garage w/power, water, septic, cable & phone, Possible building site within existing foot print, Owner financing available. MLS #961057 Call Wilma, 661-1631

w NE

Ovenell Road, 16229 Burlington $359,000 Home with shop & guest house, Home feat. 3 BR, 2.5 BA, 1608 SF, Shop is 36 x 30 (1080 SF) with 3-10’ doors, Guest house is 384 SF with 1 BR, ¾ BA, Property is private, country & quiet, Enjoy sunsets, Easy commute to I-5 & Anacortes. MLS #979825 Call Ron, 333-1045

Wilma Louia Designated Broker/Owner 661-1631

2

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Windsor Drive, 1521 Mount Vernon $377,000 Updated home on shy ½ acre, 4 BR, 2.25 BA, 2586 sq. ft.

All new floors & paint throughout, Brand new kitchen w/granite, Huge great room w/fireplace, Park-Like fenced backyard. MLS #940817 Call Charlie, 708-1415 or Jeannie, 708-9645

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

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.

G TIN LIs

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

RE-Weekly.com

D AN TL N CA VA

G TIN LIs

E. Rio Vista Avenue, 926 Burlington $259,000 Classic 1900’s Craftsman home, Completely renovated w/early century amenities intact, 2200 SF, 6 BR, 1.75 BA, Country kitchen w/eating nook, Master bed on main floor w/walk in closet & full bath, Full basement w/garage door access, Loads of storage thru out.

MLS #977654 Call Ron, 333-1045

w NE

Burmaster Road, 26234 Sedro-Woolley $390,000 Large property with garage/shop, Barn & many outbuildings, 3 BR, 1.75 BA home on 20 acres, Fenced & cross fenced, Barn restructured in 2007, Garage/shop holds up to 10 cars, 220 wiring, heated w/propane, Paved driveway. MLS #980249 Call Corinne, 202-2397

www.SkagitValleyRealEstate.com

G TIN LIs

Curtis Street, 1019 Sedro-Woolley $299,000 Zoned R-15, Up to 5 units per acre, 1.67 acres, No additional platting required, No minimum lot size, Many allowable uses, All required utilities in public right of way. MLS #961042 Call Wilma, 661-1631

Are you looking for a Property Manager?

Call today at 360-755-5555!

Franklin Road, 22775 Mount Vernon $462,500 Wonderful custom home in Conway, Open floor plan w/kitchen & dining area adjoining lg. living room, Beautiful granite counters in kitchen w/lots of cabinets & walk-in pantry, 2 master suites both w/walk-in closets and Jacuzzi tubs, Private location – approx. 5.1 acres & 2552 SF home, Oversized 2 car garage w/shop area, 3 Trex decks. MLS #980196 Call Ivana, 770-3550

Corinne Cartwright 202-2397

Maggie deSouza 610-8413

Jennifer Baker 220-1526

Willa Gilquist 253-318-6131

Luara Kaestner 441-5099

Traci Erickson Property Manager 755-5555

1474346

marble coasters…

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.

July 29, 2016

FEATURE HOME FROM COVER: 1000 CHippEwA ST., MOUnT VERnOn

$495,500

Brown McMillen Real Estate 235 west Rio Vista Burlington, wA 98233 360.757.6013 www.brownmcmillen.com

Tim Reichert 360-391-5587

55+ Community • Single Level Homes • Maintained Yards • Community Lodge

311 Twin Brooks Court • • • • • •

Offered at $459,900 3 beds + den, 2.5 baths, finished 2-car garage Master suite on the main level Loft bonus room and guest suite Landscaped, irrigated & maintained yard Backs up to woodland reserve 1474334

MOVE-IN READY HOME!

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.

Exceptional high quality custom built multi-level home featuring great formal and informal living space. Large gourmet kitchen with dining, spacious rec room and a hobby room. The extensive park like landscaping and large hardwood deck and hot tub make for great outdoor living space. This is a one of a kind property in a great Mount Vernon location.

1474680

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

G

din

En LE P

Sa

1417 E. SEction, Mount VErnon Mount VErnon..uPdatEd...796 SF Rambler, 2 Br., 1 Ba., new windows, furnace & deck. Good sized lot w/detached garage, near hospital & schools. $199,900. #963811

20114 Gina MariE LanE, BurLinGton

11253 BLuE HEron rd., Bow

GrEat BurLinGton Location…Over 1900 SQFT in this 1 story home, large lot w/fenced backyard. 3 bed, 2 bath. $330,000. #977611

SaMiSH iSLand…No Bank Waterfront! Gorgeous location w/older fixer beach cabin built in 30’s. Includes tidelands, enjoy crabbing & boating, $470,000. #945556

tri-LEVEL-MoVE in rEadY HoME…3 bdrms, 2.5 baths, nEw PricE...EXCEPTIONAL QUALITY HOME 4 Bd, 4.5 Ba home. HaVE it aLL!..outstanding Cape Cod custom home w/many living rm w/gas frpl, vaulted ceiling, family room, and fenced Excellent condition, extensive quality landscaping, great special touches on 1.5 acre lot east of Conway, just 2 miles location! $495,500. #924967 backyard. $284,500. #977293 from I-5. 3 Br., 4 Ba., +650 sf guest quarters above 3 car garage. attEntion BuiLdErS..two acres zoned R-2 ready to be VErY nicE..,like new home, walking distance to La Conner. $650,000. #970750 developed. Potential for 8 or 9 lot subdivision with utilities in 3 Br, 2 Ba. just over 1100 sf.. New interior paint & heating BuiLd Your drEaM HoME..Excellent 1/3 acre w/views of Big system. $149,000. #914922 street. Convenient to town. $585,000. #772211 Lake & surrounding mtns., ready to build on. Close to golf course, countrY cLuB LiVinG..excellent home on golf course, rooM witH a ViEw..4+ beds, 2.75 Ba., 3300+sf beauty w/ 2100 sf w/3 Br., 3 Ba., & spacious rec. room on 9th Fairway. wonderful views. Media room, located in Skagit Golf & Country just $75,000. #598013 Club. $469,000. #951352 $357,500. NEW ON MARKET! #979097 nEarLY nEw HoME..great location on this 3 Br., 2.5 Ba. Home.

1064 PEtEr andErSon rd., BurLinGton EdGE oF town…This 4 Br., 2 Ba., on 1.8 acres w/a 3120 sf barn.

Hardwood floors on main level, rec room on lower level, great garden space & room to roam. $295,000. #967080 NEW ON MARKET!!

“oPEn HouSE” Sat JuLY 30, 11aM-1PM

BurLinGton ProFESSionaL BLdG…1579 sf bldg in great Beautiful wood floors, granite, stainless & very nice bonus room.

Burlington location. Currently a dental office, great layout Just $365,000. #937831 10515 SaMiSH iSLand rd., Bow for variety of businesses. Adjoining lot available. $285,000. conwaY EQuEStrian dELiGHt! One of a kind beautifully #733399 HoStEd BY -SHELaH inMan dELiGHtFuL..wonderful sunsets from your deck, 4 Bdrms., LoVELY 17 acrES..of gently rolling pasture land near Big designed for luxury living!, 2 master bdrm suites, 2 family rooms, 2.5 Baths on spacious lot. Haedwoods, new carpet, stainless Lake. Great view of Mount Baker and has public water available. chef’s kitchen, 34 Bdrms, 5 Baths, breakfast room, 5 acres Private 1 acre setting w/spacious home, shop, newer kitchen & wrap around porch. $549,000. #891540 fenced & so much more.. $860,000. #978235 $219,500. #940595 appl., gas f/place & central AC. $285,000. #979395

SoLid 3 Br HoME.., 2 Ba., on one level, quiet neighborhood west of I-5, out of flood plain & in Bayview School district. Rec room & dble attached garage. On lg fenced corner lot. $259,500. #976812

Jodi Dynes Yvonne Brown Galen Kindred Holly Hilts

July 29, 2016

333-7383 840-4375 770-7083 661-5538

Jeff Ingman Shelah Inman Kristen Tuttle Fritz Inman

202-2859 661-0145 708-8392 661-0147

Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

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

Terri Heyntsen Tod LeHecka Jan Scally David Parsons

391-0938 333-1032 421-5160 391-4008

1474677

3

Shop around for rates RALTOEW Question:

S

We are first-time buyers looking for a mortgage.

We are very lucky and have no debts, good jobs, considerable savings and excellent credit. We spoke with one lender who said that 30-year conventional financing was available at 3.25 percent – but only with 30 percent down. With 5 percent down the rate was 4.125 percent. How do we get a better rate?

Answer:

According to the National Association of Realtors, the typical existing home sold for $232,500 in April. Thirty percent of that amount is $69,750. If you don’t have such cash plus closing costs and reserves, then you’ll need to consider alternatives options.

The good news is that the marketplace is awash with lenders who would like to loan you

money, including local lenders, national lenders, online lenders and the new players in the field, nonbanks.

Your situation raises two issues that are important for every borrower: First, was the offer you received competitive? Second, are lenders justified in asking for more down in exchange for a lower rate?

As to the amount down, the usual idea in lending is that more down means less lender risk.

Less lender risk should mean a lower interest rate.

However there is considerable evidence that such long-held logic is questionable – and maybe wrong. For instance, VA loans are available with zero down and VA loans have a lower foreclosure rate than FHA and conventional mortgages, both forms of financing that require more down.

One reason the VA is so successful is that it has a unique way to underwrite loans. Instead of relying on credit reports and massive down payments, the VA checks the borrower’s residual income. Under this system, the VA looks at the borrower’s monthly obligations and then how much is left over. The VA also considers household size and where the property is located.

Q& A

ASK OUR BROKER

By Peter G. Miller

If the borrower has enough left over after basic expenses, then the loan is approved. (Lenders who originate VA loans may elect to use credit reports when qualifying a borrower, however the VA does not actually have a minimum credit score requirement.)

Even among non-VA loan programs there is little evidence that big down payments result in less lender risk. According to a 2014 report from the Urban Institute, “of loans that originated in 2011 with a down payment between 3-5 percent, only 0.4 percent of borrowers have defaulted.

For loans with slightly larger down payments – between 5-10 percent – the default rate was exactly the same.”

Meanwhile, your job is to shop, shop and shop until you find a lender that comes up with the right combination of programs, rates and terms that work best for your situation.

Now could be the time to sell a new home and earn a slice of the real estate pie.

Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people.

“When sellers are interviewing real estate agents to market their homes, their primary focus is usually on the advertising that the agent will offer them,” says Jessica Goodbody of Weichert Realtors.

Let us help you meet your marketing goals by advertising your listings in Real Estate Weekly.

Call 360.416.2180 Today!

RealEstate weekly In print and online

4

goskagit.com

RE-Weekly.com

SKAGIT PUBLISHING

ads@skagitads.com

July 29, 2016

OPEN HOUSE

Saturday, July 30th 12 pm - 2 pm 9598 Avon Allen Rd , Bow, WA 98232 $525,000 4 Beds • 2.25 Baths • 2,370 Sq ft • Lot Size (Acreage): 6.10

$284,500

1494400

MLS#977293 Tri-Level- Move In Ready...3 bdrms, 2 1/2 baths, living rm w/gas frpl, vaulted ceiling, family room with 1/2 bath access to lower deck. Kitchen w/loads of cabinets, eating bar, dining rm w/access to upper deck. Master bdrm w/new granite vanity, tile floor and dbl shower.

Fenced backyard w/storage building. Vinyl windows & hardi plank siding.

July 29, 2016

235 West Rio Vista Burlington 98233 360 757-6013 www.brownmcmillen.com

Pete Hallett (360) 367-0963 6.1 total acres w/a one level home, ranch style, 94 x 96 barn, 30 x 60 shop building with car lift, 2 wells for irrigation and addl PUD hookup. Home is a custom design 4 bedroom 2.5 bath. Kitchen is fantastic, appliances are top of the line, cook top and double ovens w/large hood, pantry walk-in and big eating area. Dining room, family room, large living room, master bedroom bath has access to hot tub on deck.

Hosted by Yvonne Brown Email: yvonne@brownmcmillen.com Brown McMillen Real Estate LLC. 360-840-4375

RE-Weekly.com

(360) 201-8341 • RickMoore@nwhomes.net • RickDMoore.com THINKING OF SELLING?? OPPORTUNITY IS KNOCKING!

What is Your Home Worth?? Instant Valuation!

Go to: http://rickdmoore.smarthomeprice.com

1474352

1107 Digby Lane, Mount Vernon

5

www.WindermereSkagit.com Vacant Land

RESIDENTIAL 3312 Arbor St, MV $215,000 This Rosewood home is located close to schools, shopping & more! Fully fenced back yard.

Great 3 bed, 2 bath, 1524 SF home with vaulted ceilings, master with 5 piece bath, ceiling fans, large 2 car garage and easy care vinyl siding.

Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 MLS#980112 NE

W

N

EW

14394 Roadrunner Lane, Burl $712,000 Gorgeous 4 bedroom home offering a lavish master suite with a gas fireplace, formal dining, living & great rooms. Designer kit w/slab granite, s/s appliances, double ovens, & bar. Soaring ceilings, hardwood floors, bonus room. Over 3,340 SF situated at the end of a cul de sac on 1.25 acres, 3 car garage, & detached heated RV gar.

Call Linda Eastman, 202-4075 MLS#912513

!

17186 Coho Court, MV $425,000 Lovely Nookachamp Hills 3 bed, 3 bath w/den & family room. Full main floor living w/extra space in the daylight basement. Living room features hardwoods, vaulted ceiling & fireplace w/access to the deck. Kitchen boasts granite tile counters, stainless appliances, & eating bar. Downstairs there is room for a variety of activities, a full bath, & office space.

Fenced rear yard.

Call Jamie Yantis, 540-5264 MLS#979827

!

1266 Arrezo Dr, SW $219,900 4 bed, 3 bath home close to town. New interior paint, bright family room, kitchen, master with huge walk-in closet, plus additional bedroom on the main floor. Downstairs there are 2 additional beds, bath & laundry. Large deck out back; enclosed backyard for critters; & 2 car garage. SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446 Shawn & Tiffany Danley 360-298-4857 MLS#1002472 60233 State Route 20, Marblemount $305,000 Just over 2 acres of park-like, Sequoias bordered, yard, surrounding your 4 bedroom Craftsman home, 24x32, shop, & roomy 2 car garage with upper room. There is also a generator system just in case of power failure.

This hidden treasure has river access, securely gated entrance & breathtaking mountain views.

Call Bette Thompson, 840-5109 MLS#933077 $420,000 6902 285th St NW, Stanwood Beautiful, spacious home in highly sought after Kylie Park. Stylish home on 1/4 acre features 5 beds & oversized bonus room, 5pc master bath w/ walk-in closet, living room w/ 20 foot ceilings. Combined kitchen/family room area w/granite island, stainless appliances, gas fireplace. Large, newly landscaped backyard w/ patio.

Call Tasha Zahlis, 391-5075 or Karine Anderson, 421-1189 MLS#975208

13204 Lake View Place, MV $475,000 Spectacular Clear Lake VIEW home stately perched on 1.4 acres. Brilliant sunny open design & a wall of windows. French doors lead to den w/view & entry to private deck. Formal dining & grand kitchen w/pantry, eating bar, stainless & granite crowned in tile accents.

Fabulous master, gigantic walk-in tile bath. Upper level bonus, 4 car garage/shop, RV parking & more!

Call Elizabeth Miller, 420-3607 or Travis Miller, 420-7291 MLS#969367 17721 Tiffany Way. MV $524,900 Custom built home on 1.5 acres. Lovely 4 bed, 3 bath home boasts formal living room with valley view, formal dining room, kitchen & family room surrounded with windows looking out over the 1000 SF deck, new carpet, master suite with valley view, jetted tub, double vanity & French doors leading to a deck. Oversized 2 car garage.

Call Sarah Minton, 770-3076 MLS#955145 16582 Donnelly Rd, MV $624,900 Sprawling near 20 acre farm! Over 5 irrigated acres planted in numerous species of nut trees. 15 acres of prime AG farmland. 3 bed farmhouse w/main floor master, filled w/ natural light, sun room, wrap-around porch, & bonus rm. Huge shop w/rm for RV/boat.

Private fishing pond & hobby shack, greenhouse & more. More info at SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446 Shawn & Tiffany Danley 360-298-4857 MLS#931869

17160 Dike Rd, MV $780,000 Beautiful 4,193 SF home on 4+ acres located in the peaceful farmlands of Skagit Valley. 3 car attached garage, 1200 SF shop with office space. House has granite counter tops, travertine tile, granite & wood floors. High ceilings, big windows for lots of light, 23 seat theater, 3 beds, & 2.75 baths. Large covered porches. Huge yard & greenhouse. Recreational riverfront acreage.

Call April Axthelm, 661-4947 MLS#933786 19300 Milltown Rd, MV $799,000 Custom sprawling craftsman estate on private 5 acre Conway country setting back off road. 3600+ SF of high-end finishes; hickory hardwoods, beautiful alder cabinetry & millwork, 60” JennAir range, granite, stone fireplace surrounds, main floor master, den, formal dining, bonus rm w/ private rear stair & 3 spacious beds up. Rear deck perfect for entertaining. 30X48 open shop. SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446 Shawn & Tiffany Danley 360-298-4857 MLS#948159 16708 Britt Rd, MV $1,200,000 Boxwood Farm is that rare combination of stately home & small acreage farm. Privately situated on fertile Skagit farmland, w/options for agricultural &/or equestrian pursuits. Horse-ready w/paddock, fencing, loafing shed, great barn. 240 SF greenhouse. The lovely, fully-updated Williamsburg Colonial is warm, welcoming & centers on a gourmet kitchen & sunny great room. A gracious home, designed for both comfortable daily living & expansive entertaining options.

Call Megan O’Bryan, 708-5817 MLS#924351

Deschutes Court, MV $129,950 Introducing Creekside Meadows; a 14 lot community just outside of Mount Vernon city limits, Lots are approximately 1 acre each with a divided interest in the 68 acre open space parcel that would be perfect for equestrian uses. PUD water, power, & natural gas stubbed to each lot. SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446 Shawn & Tiffany Danley 360-298-4857 MLS#882453 2307 Antone Way, ANA $180,000 Rock Ridge is located at the highest point in beautiful Anacortes. Whether you purchase a view lot, or one of the lots slightly away from the view you will be surrounded by quality homes built by some of the finest craftsmen. Capture the beauty of the area out your window, enjoy the ocean breezes, the nearby trail system, & all just minutes from downtown.

Call Deborah McNeal, 707-8073 MLS#589020 Josh Wilson Rd, Burlington $299,900 Enjoy scenic valley & mountain views from this private 14+ acre Bayview Ridge site located next to Bayview School. As per Skagit County property has 2 designated areas for a total of 2 development rights, buyer to verify. Cleared site areas & marketable timber, private driveway access to property. Minutes to I-5, walking, biking trails & Padilla Bay/Bayview State Park.

Call Warren Bingham, 770-2421 MLS#974022 Cascade View Drive, MV $350,000 Breathtaking westerly views from this one of a kind lot in Cascade Ridge! Ready for you to build your dream home, this one acre lot is fully cleared with utilities in street. Located in Conway School District and just minutes from I-5, amenities, and schools. Picturesque views overlooking Skagit Valley, Olympic Mountains, tulip fields, and San Juan Islands. One of the few lots left in this exclusive development.

Call Shelby Hagman, 982-0163 MLS#869807

Looking for home financing? I’m here to help!

For a free pre-approval, please contact: WA-CL 713524, OR-ML 5271

Amie Mani • 360.428.4626 Download my smartphone app at: amie.mortgagemapp.com

Amie Mani | NMLS ID # 404665 | branch manager/Mortgage Consultant | WMS Series LLC/Skagit Valley

Windermere Real Estate/Skagit Valley • 1030 East College Way • Mount Vernon • (360) 424-4901 • 1-800-849-7939

April Axthelm Balisa Koetje Becky Elde Bette Thompson Bill Krieger Cory Keihn Dave Patterson

6

360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 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 360-708-9762 Geri Cole 360-391-1614 Harry Ota 360-708-3500 Hollie Del Vecchio 360-525-5538 Jake Koetje 360-466-8045 Jamie Yantis 360-540-5264 Jannette Krieger 360-708-0233

Jim Glackin Jim Koetje Karen Beckner Karen Peirolo Karine Anderson Leah Hines Linda Eastman

RE-Weekly.com

360-428-2828 360-202-2500 360-840-9455 360-348-0480 360-421-1189 360-428-3012 360-202-4075

Megan O’Bryan Nathan Loeb Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Sherry Johansen

360-708-5817 360-333-7197 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-708-3636

Spencer Roozen Tahlia Honea Tasha Zahlis Tiffany Danley Travis Miller Warren Bingham

360-708-0634 360-333-5815 360-391-5075 360-298-4857 360-420-7291 360-770-2421

July 29, 2016

www.AnacortesRealEstate.com RESIDENTIAL NE

W

!

NE

3703 Portage Ln, Anacortes $336,000 Beautiful, turn-key, one level, 3 BD, 2 BA condo in Mariner’s Ridge. This spacious 1317 SF condo has an open floor concept. Kitchen with breakfast bar, dining and living room. Elegant kitchen with granite counter tops. Living room with gas fireplace.

Large master suite with full master bathroom & walk-in closet. Views of Mt. Baker from the master bedroom. One car garage. Close to town and the Anacortes Forest Land trails.

Margi Houghton 360.202.0041 MLS# 976622 NE

W

!

W

NE

235 Reed Bay Rd, Decatur Island $550,000 Two lovely homes for the price of one! Both have beautiful views of the water and islands and include a fully-encl in-ground pool and hot tub. Lower home has expansive decks, 2BR, 1 3/4BA, open floor plan and charming wood interior. The larger upper house was built in 1987 and has 2BR on the main, a generous well-equipped kitchen and finished daylight basement. Expansive windows overlook the deck and bay beyond. Perfect place for all ages to enjoy and stairs to dock and beach add to the fun.

Sarah Jones 360.375.6142 MLS# 974739 W NE

7630 Cypress Wy, Guemes Island $1,289,000 Elegant, Northwest cedar & stone custom designed, waterfront home situated on 1.68 acres on Guemes Island. Enjoy expansive views of the Guemes Channel & islands from almost every room. Great room concept, vaulted ceiling, hardwood floors, custom windows, stone gas fireplace. Chef’s kitchen with Wolf & Sub Zero appliances. Office.

Master suite. Back deck with covered BBQ island & dining area. Stone patio w/fire pit. Multi-level, 2016 SF guest home. Private buoy located in Cook’s Cove.

Margi Houghton 202.0041 Kathy Rogers 941.4400 MLS# 975012

!

W

!

NE

4908 Heather Dr, Anacortes $649,000 Views! Dramatic views of Burrows Bay, Skyline Marina & the Olympics beyond from this tastefully updated Skyline day-light rambler. Enter & your eyes go out to the water & Islands beyond. Main-level living w-fire-lit Living Room, Chef’s Kitchen w-informal eating nook.

Elegant Master Suite w-MB. Large Family Room & Dining off the Kitchen. Lower Level has 3 more BR’s, full Bath, Craft Rm & king-sized Rec Rm. Walls of windows throughout bring in natural light & those views! Skyline Amenities.

Leigh Zwicker 360.333.9975 MLS# 956322 NE

W

!

5307 Doon Wy, Anacortes $874,000 Beautiful, single level, 2934 SF waterfront home with a 42’ dock. 3 BD, 2.5 BA plus office. Great room with gas fireplace, vaulted ceilings, hardwood floors and an expanse of windows to enjoy the views of Burrows Island and Skyline Marina. Chef’s kitchen with island.

Family room and living room. Master suite. Large patio for outdoor entertaining. 2 car garage and RV parking.

All Skyline amenities: Beach cabana, tennis courts, clubhouse and a couple of nice parks. Close to WA Park.

Margi Houghton 360.202.0041 MLS# 980659

VAcANT LAND

!

NE

!

1921 23rd St, Anacortes $289,000 Charming, single level, 3 BD, 1.5 BA rambler in desirable location close to parks, schools, and public pool and fitness center in Anacortes. Living room with gas fireplace. Spacious kitchen. Family room is used now as a master bedroom. The other side of the home has 3 additional bedrooms and a full bath. Large partially fenced backyard with a fruit tree and garden space.

Margi Houghton 360.202.0041 MLS# 970370

W

364 Airport Perimeter Wy, Decatur Island $299,000 Taxi home...Airstrip property with a gorgeous view of the water, islands and Olympic Mtns. Home is set up for sleeping at least 8 people and the large kitchen, dining room and outside deck make feeding them all a “breeze”. Each level of the home has a full bath and the large unfinished basement is great for storing all the toys needed for island fun. Fully furnished with queen, twin and king size beds and tables and chairs for indoor and outdoor dining. Great location for pilots or boaters. DSL Sarah Jones 360.375.6142 MLS# 1002589

W

!

157 Center Island, Center Island $65,000 Very pretty, private lot in a great location with a possible expanded water view. All utilities are on site and a nice cleared building area is ready to go. The sunny site is ringed by beautiful fir trees and a decorative curved driveway hides you from the road. For a full-priced offer, seller will also include a licensed mooring buoy. Located above the community center with easy access to docks, clubhouse, caretaker, airstrip and beaches; and only a 25 min boat ride from Anacortes! DSL avail Sarah Jones 360.375.6142 MLS# 977465

Windermere Real Estate/Anacortes Properties • 3018 Commercial Ave • Anacortes • (360) 293-8008 • (800) 327-5291

Bill Robillard 360-770-4707 Buzz Ely 360-202-4626 Caroline Baumann 360-202-7327 Catherine Mers 360-982-6831 ChristineCleland-McGrath360-708-0267 Cheryl Frazier 360-202-4789

July 29, 2016

Colleen Craig Colleen Sargent Cynthia Aanestad Debbie Macy Gina Davis Jack Dixon

360-770-9638 360-202-2155 360-610-0120 360-391-2422 360-708-7794 360-941-5000

Jackie Stone Jessica Notaro Joan Handelmann John Prosser Judy Moore Kathy Rogers

360-661-2247 360-202-1441 360-202-4800 360-202-3891 360-770-3515 360-941-4400

Kristi Gabrielse Leigh Zwicker Linda Macy Lindi Kudlacek Margi Houghton

RE-Weekly.com

360-420-3119 360-333-9975 360-708-8284 713-822-9203 360-202-0041

Nate Scott Paul Weisz Rebecca Chamberlain Rick Bennett

360-708-2354 360-391-7281 360-421-5021 360-202-2630

Rob Skelton Sarah Jones Vicki Cooley

360-488-3776 360-333-2783 206-949-1010 1474269

7

NORTH PUGET SOUND ASSOCIATION of REALTORS® Mount Vernon, WA 98273

Tel. (360) 416-4902

www.npsar.com

REALTORS® Charity Golf Tournament Thursday August 25, 2016

RE-Weekly.com

Register today REALTOR® Charity Golf Tournament benefitting Skagit Habitat for Humanity and Friendship House.

Gold Sponsor for event is Umpqua Bank and Silver Sponsor is Guardian NW Title, First American Exchange of Skagit Co., and First American Title of Island County. Landed Gentry Realty is hosting the morning brunch, and Foothills Toyota Scion is our Hole-In-One sponsor.

VISIT RE-WEEKLY.COM TO EASILY SEARCH FOR LOCAL REAL ESTATE LISTINGS!

The tournament is open to the public and all skill levels!

Mission Statement: The Nor th Puget Sound Association of Realtor s advocates for Realtor s and their clients, and promotes the protection of property rights.

1474304

Registration is $125 per person and includes golf cart (guaranteed if registered by August 19th), a steak buffet following the tournament, prizes at every hole, and more! Sign up a foursome, or a single!

To Register, or for more information, contact the North Puget Sound Association of REALTORS® at 360-416-4902

EASY TO USE TOOLS & THE MOST UP-TO-DATE INFORMATION FOR FINDING LOCAL REAL ESTATE

Smarter. Bolder. FaSter.

North Homes realty Inc.

360.424.2100 www.century21northhomes.com

$789,900

$285,000

$149,950

$314,900

$362,900

5+ acres • Guemes Island • HIstorIcal craftsman Home • BeacHfront mls#974470

1.83 acres • 1040 sq ft sHop • 3 Bdrm remodeled Home • rv Hookup mls#971718

oversIzed deep lot • convenIent locatIon • 1+ Bdrm • possIBle duplex lot mls#974063

4 Bedroom Home • larGe famIlY room • fullY fenced BackYard • stanWood area mls#976031

oversIzed vIeW lot • rv Hookup • trex deck & spa • fresH paInt and carpet mls#978724

$489,000

$1,300,000

nH

eous

ope

$329,950

$35,000

3 Bdrms, 2 BtHs • covered porcHes vaulted ceIlInGs • den/offIce mls#926336

quIet locatIon • loW maIntenance covered deck • loW park rent mls#949863

Amy Harrison 360-913-5162 Anita Kohl 961-7795 Arlene Vonachen 853-6429 Connie Moulaison 770-1341

8

Duane Gish 770-9299 Jackie Lindeman 770-9080 Jennifer Ohlsen 360-540-0717

daY

sun

12-3

1419 DIGBY LN #110, MT VERNON $205,900 • secure condo lIvInG, • 2 Bdrm corner unIt • valleY vIeWs • Gas fpl. mls#930382

Josh Arunakul 360-982-3084 Kenda Furman 391-0030 Kimberly Gregory 360-941-0058 Margie Ernst 708-3198

• BeautIful vIeW Home • larGe famIlY room • deluxe features • 3 car GaraGe mls#964020

Marlene Deasy 661-6720 Mel Strickland 206-948-4392 Nicol Macri 206-962-9475

RE-Weekly.com

Rich Jones 425-791-2879 Richard Sundance 420-4046 Sandi Hocking 708-1523 Sandi Riley 770-8670

7.6 acres • 3 Homes Water frontaGe • 2 sHops mls#930382 Scott Heiner 540-7537 Sharon Stokes 661-6164 Shelley Camacho 708-4377 Traci Cypher 708-9481

1478657

525 East College Way, Suite J

July 29, 2016

5 Reasons to get preapproved when credit is bad

For those with credit issues, pre-approval is more important than pre-qualification July 29, 2016

D

reaming of buying a home but have less-than-perfect credit?

Scoring that house you’ve been eyeing could possibly be easier than you expect – even with a relatively low FICO score. All it takes it getting your financial house and paperwork in order, which includes getting preapproved for a mortgage loan.

Consider that the average FICO score (which is the credit score most lenders scrutinize to evaluate your credit risk) for an approved mortgage dropped from 737 in July 2013 to 723 in April 2016, according to the latest data provided by Ellie Mae. In fact, in April a surprising 31 percent of home purchases and 56 percent of Federal Housing Administration (FHA) loans, respectively, had a FICO score between 600 and 699, per Ellie Mae. With many mortgage lenders typically preferring a FICO score of 720 and above, these latest numbers indicate that prospective borrowers with imperfect credit may have a better chance today of securing a mortgage loan than in recent years.

Arizona State University real estate professor, Mark Stapp, says that as competition for business from borrowers has picked up, more lenders have looked for ways to secure increasing demand for mortgages.

“There are many more non-bank

lenders in the market today. Therefore, accepting lower scores is becoming more common,” Stapp says.

Randi Krasnoff, senior mortgage consultant with The American Eagle Mortgage Co. in Atlanta, says most of the credit scores she sees nowadays from loan applicants are closer to 640.

“The good news is that government-backed loans allow for less-than-perfect credit scores,” Krasnoff says.

In fact, a credit score as low as 580 can qualify for the FHA’s 3.5 percent down payment loan, and the U.S. Department of Veterans Affairs’ (VA) no-down-payment loan, which provides up to 100 percent financing for qualified veterans, requires a minimum credit score of only 580. Meanwhile, Fannie Mae’s HomeReady 3 percent down payment mortgage requires a minimum credit score of only 620, and Freddie Mac’s Home Possible Advantage loan offers 97-percent loan-to-value financing with only a minimum 660 credit score required.

If you have a below-average credit score, however, it’s especially important to get preapproved, which is different than a prequalification. The latter is based upon a credit review plus verbal information provided from a potential borrower to a loan officer.

The former is given when the borrower submits income and asset documents to the loan officer, which are analyzed carefully.

“Prequalification is a conversation with a lender that doesn’t hold much weight when trying to make an offer on a home,” says Staci Titsworth, regional manager for PNC Mortgage in Pittsburgh. “Preapproval is a formal credit approval from an underwriter where the file has been supported by income, credit and asset documentation.

Sellers and Realtors want to see that the customer has been preapproved before taking a home off the market.”

RE-Weekly.com

Here are five reasons why you should get preapproved if you have a below-average credit score: 1. You’ll have better peace of mind Preapproval put you on a fast track toward securing the mortgage loan you need. “Uncertainty is stressful, and preapproval helps resolve uncertainty,” Stapp says.

2. The seller will have better peace of mind Your lender can issue a preapproval letter that you can present to a seller to indicate that you are a worthy candidate to purchase a home.

3. You might get a leg up on the competition If you are bidding on a home against someone who hasn’t been preapproved, you could have an advantage.

4. You can make a more informed buying decision “Preapproval helps a buyer to budget and understand how much of their income will go to the house payment and other debt obligations,” Titsworth says. “This helps them in advance so they don’t fall in love with a home they potentially cannot afford.”

5. You can correct deficiencies quicker “If you have blemishes on your credit, the preapproval process helps you identify and resolve them,” Stapp says.

To improve your chances of getting preapproved and securing a mortgage, be prepared to go the extra mile.

“You have to pay your bills on time, clean up any old delinquencies or erroneously reported credit information listed on your credit report, work to obtain new fresh credit and pay off your account balances every month.

This is what shows a lender that you are creditworthy and can manage your debt properly,” says Ed Hoffman, president of Moreno Valley, Californiabased Wholesale Capital Corporation.

“Also, you need to consult with a knowledgeable mortgage professional long before you plan on buying. This person can go over your existing credit with you and give insight as to how to improve your scores.”

9

7157 OLD HWY 99 N., BURLINGTON

$250,000 Beautifully cared for double-wide manufactured home with 1344 sq. ft. offering 3 beds/1.75 baths on fully fenced, unique horseshoe shape, 1 acre with awesome garden space and fruit trees.

Home features kitchen with new, custom cabinets; cheery paint choices; Large master w/walk-in closet and amazing shower; front deck; large back deck; new roof 2007; new water heater; propane furnace; woodstove; oversize 2 car Carla Fischer garage / shop. MLS#1004137

OPEN HOUSE SATURDAY JULY 30, 11AM-2 PM

360-982-0010

WATERFRONT HOME W/ACREAGE! Pacific NW gem in gated community on shores of Lk McMurray, a treasure on 5+ac. w/rare 360 ft waterfront offers privacy & serenity! Captivating views enhance the RESORT appeal of this energy efficient contemporary Craftsman. Architectural details include soaring ceilings, 23 ft stone fireplace, in/outdoor surround sound etc. Dramatic lighting, angles & spaces are hallmarks of this aesthetic 2 story estate. 1100 sf garage/shop.

Swim, kayak & fish from private dock Celia Miller 360-391-6065 in parklike setting. MLS#944409 Amazing views from this stunning 4 bed/2 Bath home on a quiet cul de sac location offering an oversize yard with fruit and nut trees and lots of room to play! This home offers a beautiful kitchen with oak cabinets, SS appliances, gas range, built in microwave and walk in pantry, open concept floor plan; Master has soaking tub; separate shower ; a walk in closet and own access to the expansive Danya Wolf 360-708-8294 Deck. MLS#928931

$45,000 310 N REED ST, SEDROWOOLLEY

Danya Wolf 360-708-8294

Live in this beautiful Golf Villa overlooking the 14th Fairway with Golf Course and territorial views. Many custom upgrades in this 3 beds & 3 baths. Enjoy formal and informal living and spacious kitchen with island and breakfast bar. Main floor master, large Trex deck, wind block & awning downstairs with fireplace, built in wet bar & wine room, spacious bedroom & bath, could be a MIL. Covered patio overlooking private garden area & golf course. John Hunter Enjoy beautiful Eaglemont Golf Course Community. MLS#971455 360-202-3854

Spectacular views! This unique home offers; 2 beds/1.75 baths; skylights; vaulted ceilings; incredible mural in living room by local artist; Beautiful Danya Wolf jetted tub in Master; kitchen has gas SS 360-708-8294 range; tankless hot water; deck; cozy yard with firepit and stairs to the beach and a picnic area. MLS#937270

Beautiful, brand new never lived in 3 bed/ 2 bath doublewide Fleetwood home. Home in coinvent location with easy access to I-5, schools, shopping, medical, and bus routes. Attached 22x24 garage. Suzanne Jenkins MLS#941226 360-941-2983

$345,000 20820 W JORDAN RD, BURLINGTON

3610 MOHAWK, MOUNT VERNON

Lake view lot in Big Lake! Tract A (P17995) a gently sloped, partially wooded lot on south side of big Lake. Enjoy the sunsets on this 1/3 acre lot! MLS #853972

Great building site and investment over 1 acre possibly 3+ duplex building lots R7 zoning. Close to town and schools. Paved street.

MLS #950851

$414,000

$1,250,000 18238 CAPET ZALSILUCE RD, LACONNER $320,000 410 N LAVENTURE RD, MOUNT VERNON $220,000

22390 MCMURRAY SHORE DR, MOUNT VERNON

19248 HWY 9, MOUNT VERNON

1408 ALPINE VIEW PLACE, EAGLEMONT

$169,000 1601 N WAUGH RD, MOUNT VERNON

Elva Hunter 360-202-3086

OPEN HOUSE SATURDAY JULY 30, 10AM-1 PM Move-in ready, three bedroom/1.75 bath one level home located in Danya Wolf desirable Burlington school district. Designer paint choices, massive master 360-708-8294 bedroom, easy to use kitchen handy to laundry room. Spacious partially fenced yard with garden space, firepit and large outbuilding. Enjoy easy access to Highway 20, nearby walking trail, shopping and schools. MLS #952310

$375,000 OLD HIGHWAY 99 N, ALGER

Two fourplex tracts for $150,000 each and one five plex tract for $175,000.00 Building permit Danya Wolf ready for thirteen (13) units. Or, 360-708-8294 conditional use potential for professional/ medical offices. All utilities; includes off-site, fenced storm retention pond. Enjoy sunsets and Mount Baker view from this level 37,800 square foot city tract of land. MLS #937247

$200,000

$98,000 1030 TINAS COMA DRIVE, BURL HILL

$109,900

Awe inspiring views are yours to behold when you build your DREAM Home at top of Burlington Hill! Live Mostly level 9.5 the “high life” while still enjoying city approx. acres with amenities and convenience! Within easy access to I-5. excellent Burlington School district; Danya Wolf Drilled well needed. Suzanne Jenkins Carla Fischer close to shopping and I-5 for easy 360-708-8294 Sewer hookup to be 360-941-2983 360-982-0010 commuting. All utilities available at street: power, approved by county with approximately a $9600 water, sewer and natural gas. Complete plans for hookup fee. MLS#918467 this beautiful home are negotiable. MLS#909681

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

RE-Weekly.com

1474357

July 29, 2016