Real Estate Weekly | November 30, 2012

RealEstate weekly RESIDENTIAL • COMMERCIAL • RENTALS • LAND/ACREAGE

NOVEMBER 30-DECEMBER 6 TWENTY-TWELVE FREE

INSIDE

THIS ISSUE ADVANTAGES OF TWO-STAGE HEATING SYSTEMS PAGE 4

MAKE HOUSEHOLD DRAFTS A THING OF THE PAST PAGE 5

COULD YOUR HOME BE MAKING YOU SICK? PAGE 6-7

23682 PACIFIC HWY, MOUNT VERNON Skagit Tradition Realty 3780 E. College Way Mount Vernon, WA 98273 360-424-0300 www.SkagitTraditionRealty.com

Agent: Danya Wolf 360-708-8294

$499,000

Mechanics Dream! Features a 36x70 Shop; designed and built by

MORTGAGES:

a washer/dryer! Has covered RV parking with power and dump

PAY DOWN DEBT FIRST

station. Unique, custom built 1568 sq. ft. home with bonus 1260 sq.

PAGE 8

retired auto body shop owner, includes a bathroom with shower and

ft. unfinished basement/garage. Large deck looks out over 3.17 acres offering beautiful sunset views! MLS#426584

Q&A: ASK OUR BROKER

PAGE 9

FEATURED ARTICLE: COULD YOUR HOME BE MAKING YOU SICK? Constant fatigue, headaches, recurring upper respiratory infections. Do these symptoms sound familiar to you? If you are experiencing ongoing symptoms of some mysterious illness you may not be a hypochondriac at all -- your home may be making you sick...(cont. on pgs. 6-7)

CLASSIFIEDS PAGE 10-11

YOUR KEY TO REAL ESTATE IN SKAGIT, SNOHOMISH, ISLAND AND WHATCOM COUNTIES goskagit.com/reweekly

A supplement to the Skagit Valley Herald and the Anacortes American

Real Estate Weekly content sponsored by: Whidbey Island Bank

TABLE of CONTENTS Advantages of Two-Stage Heating Systems Pg. 4 Make Household Drafts a Thing of the Past Pg. 5 Could your home be making you sick?

Pg. 6-7

MORTGAGES: Pay Down Debt First

Pg. 8

Q & A: Ask Our Broker

Pg. 9

Classifieds

Pg. 10-11

Pg.

6-7

To advertise in

RealEstate weekly

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or other Skagit Publishing publications, Call 360.416.2180 or E-mail ads@skagitads.com View this publication online at www.goskagit.com/reweekly ©Skagit Publishing LLC 2012 | 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,

Mount Vernon - College Way and Urban Ave. Burlington - Burlington Blvd & E. George Hopper Rd. Anacortes - 2202 Commercial Ave. Sedro-Woolley - 339 Ferry Street

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 publication.

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

Territory NW

Go to our website for a quick and easy way to search all listings!

320 S Burlington Blvd • Burlington www.SkagitValleyRealEstate.com (360) 755-9494 • (800) 775-0153

D AN TL AN C VA

E AK RL EA L C

Mount Vernon $129,900 Remarkable 1 acre building site w/ southern views. Strong producing well is in, septic, soil work and design complete. Power and phone on lot. Building permit for a new manufactured home is complete or modify for a stick built home. MLS#359475 Call Ron, 333-1045

D AN ISL H S MI SA

Call Elizabeth, 708-8800

2

Sedro-Woolley $139,900 Rare 150 feet of waterfront on Clear Lake.

Property faces west providing outstanding sunsets. Includes 3.5 acres of land. Private setting, dead end road. MLS#425334

Charlie & Jeannie Boon 708-9645

November 30, 2012

Call Ivana, 770-3550

Waterfront, 2 bedroom La Conner duplex, on the Channel just north of town, all appliances, located on 1.8 acres, private setting. $995/month.

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Pete McDougall 708-6500

RE AC 1+

Mount Vernon $149,500 MV Rambler. 3 BR/ 1 ¾ bath. Fully Fenced ¼ acre lot. 2 car attached garage. Room for RV parking. All appliances included. MLS#426818

AL NT RE

1 BR/1 BA unit for rent in Burlington tri-plex.

Washer and dryer hook ups, electric forced air heat, carport. Water and sewer included. $775 rent / $775 deposit.

Elizabeth Detillion 708-8800

G TIN LIS

Call Charlie, 708-1415, Jeannie, 708-9645

AL NT RE

Call Kirk, 770-7470

Debbie Allen 708-8780

W NE

La Conner $145,000 Affordable fee simple in La Conner. 1680 sq. ft., 3 BR/2 BA mfg home on nice size lot. 24 X 36 shop w/hoist, compressor & woodstove. Lots of parking. Snee-Oosh beach, boat ramp and amenities. MLS#366246

Call Mike, 540-1341

AL NT RE

Bow $399,950 Affordable 85 feet of waterfront home on Samish Island. Restored to better than new.

3 BR/1.5 BA. Huge separate shop for toy collections/hobbies. Priced to sell quickly.

MLS#353187

Wilma Louia Designated Broker/Owner 661-1631

H AC BE

Steph Richardson 206-229-2668

Jim Stransky 708-1681

Call Debbie, 708-8780

AL NT RE

2 BR/1 BA unit for rent in Burlington 5 plex. Newer kitchen cabinets, carpet and paint. Newer vinyl windows. Carport and storage area. W/S/G and basic cable paid. No pets. $815 rent/ $815 deposit.

Ivana Wood 770-3550

Mount Vernon $155,000 Roomy 3 BR/2 BA home with 1782 sq. ft. on 1+ acre. Convenient location right on edge of Mount Vernon. Deck. Outbuildings.

MLS#416805

Mike Welling 540-1341

Shannon Henderson Office Manager

3 BR/1.5 BA cozy condo w/extremely private setting. Remodeled with new carpet and paint.

Kitchen appliances with washer/dryer. Comfortable living room includes a fireplace. Water, sewer and garbage paid. Nice private setting. $1000 rent/ $1000 deposit

Jennifer Absten Property Mgt. Division

Jodi Dynes Property Mgt. Division

Traci Erickson Property Manager 391-2969

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Real Estate Weekly

November 30, 2012

3

Advantages of Two-Stage Heating Systems

P

urchasing a new heating and cooling system could be in your future. Selecting the right furnace for your home requires understanding the various products available. A two-stage heating system is preferred by many HVAC contractors and could be the right fit in your renovation.

Choosing a new furnace and heating components can be difficult.

The business has its own terminology, and there are scores of different equipment manufacturers all claiming that their brand is the best. Buying a new heating system is also expensive, making the process more stressful. Not everyone has an unlimited budget or the ability to simply select the top-of-the-line model. Therefore, understanding which features make one furnace stand out from another can help consumers make the best possible decision.

One factor that will come up as you browse for furnaces is whether to choose a single-stage furnace or a two- or dual-staged furnace.

There are many advantages to the latter, which makes them a favorite of HVAC contractors.

Two-stage furnaces are designed to change the way British Thermal Units (BTUs) of heat are delivered to the home. In a single-stage system, when the thermostat registers a drop in home temperature that requires the heat to turn on, the furnace will produce one level of heat output until the desired temperature is reached. This furnace is designed to heat your home on the coldest days for your climate.

In a two-stage system, the furnace provides gradual heat production.

4

November 30, 2012

In the first stage, which usually operates at around 70 percent of the system’s heating capacity, the system will try to warm the space.

On mild winter days or chilly autumn days, the first stage may be all that’s needed. If the home requires additional heating, the furnace will kick into the second stage, increasing the heating power. Some two-stage furnaces not only offer two BTU offerings, but two blower speeds as well.

One of the advantages to these furnaces are that the two-stage system eliminates drastic temperature swings, which are common among single-stage furnaces. This can mean the home is more comfortable over a longer period of time.

Another benefit is that because the system starts in the lower stage and may operate at that stage more so than in the second stage, the furnace is generally quieter than traditional furnaces.

This greatly reduces the initial noise of turning on the furnace at full power.

Two-stage furnaces will burn fuel more efficiently and may actually burn less fuel if they spend the majority of the time in the first stage of operation. If they have a variable speed blower, they may even save you money in electricity costs.

Two-stage furnaces may cost more money initially because they tend to be more expensive than traditional furnaces. But over time two-stage systems might pay for themselves in efficiency, noise reduction and comfort in a home.

Real Estate Weekly goskagit.com/reweekly

O

utside is below freezing and the heater is working overtime, but throughout the house there are cold, drafty areas. Does this sound familiar?

Specialists in the field say that any cold or drafty areas within a home are typically caused by air leaks within the building envelope.

Air leaks can make rooms uncomfortable and allow the air to escape, forcing heating equipment to work continually to compensate.

Whether building a new home or renovating, it may be worthwhile to consider a complete solution that makes household drafts a thing of the past. A modern insulation material, can both insulate and air seal in one step.

Spray foam insulation seals the entire building envelope and provides a cost-saving option for homeowners looking to reduce energy waste and save on their monthly energy bills. Over the longterm, the savings quickly add up.

Modifications to the way you manage your home’s energy consumption leads to significant financial rewards and reassurance.

Consulting a professional, such as an energy rater or inspector, will help make an educated assessment to the actual requirements within the home and where the value lies.

SMARTER. BOLDER. FASTER.

North Homes Realty Inc. 360.424.2100 • www.century21northhomes.com $384,500

MLS#296437 $189,900

MLS#420182

$179,000

MLS#408899

• 5 Mtn view acres • Huge shop • 2678 sq ft • Loaded with extras

$249,500

MLS#405924

$274,950

MLS#329978

• RV parking • Lots of extras • Great location • New paint

$178,900

SOLD

MLS#390616 $179,900

• Solid 3 bdrm • Large fenced yard • Skagit River views • Shy 1 acre MLS#306633 • 2000+ sf 2 story • Detached garage • Newer floor coverings • New Trex deck $220,000 • Riverfront retreat • Private 4+ acres • Huge family rm • Garage + shop

$264,500

$214,945

MLS#409216

MLS#302054 $129,500

MLS#225091

• Move in ready • 24x24 shop • Lovely rambler • Attached garage

• Commercial Zoning • Lots of parking • All appliances stay • Cute yard • Approx. 1/3 acre • 2 bdrm 1.5 bth • Great starter or rental • 2 bd, 1 ba Anita Kohl 961-7795 Dawn Hardman 540-0058 Diane Weyer 424-2100 Duane Gish 770-9299 Dominic Pettruzzelli 333-5210 George Herner 840-3743

Jackie Lindeman 770-9080 Jeff Dowrey 661-2161 Karl Morse 395-5405 Lisa Wondoloski 443-975-9426 Lorie Groth 425-422-7145 Margie Ernst 708-3198

goskagit.com/reweekly

Marlene Deasy 661-6720 Mike Newman 708-1419 Noli Goode 630-6527 Pam Fields 982-0360 Rick Kiesser 770-1195 Sandi Hocking 708-1523

Brown McMillen Real Estate w w w. b r o w n m c m i l l e n . c o m

360.757.6013 800.869.7084

235 W. Rio Vista Avenue, Burlington

• Large yard • New roof • Country Club area • Granite countertops • 3 bdrm 1 bth • Full basement • Corner lot • Hardwood floors

• Huge 3 bay shop • 1.34 acres • 1863 sq ft • Family room

Make Household Drafts a Thing of the Past

REAL ESTATE CLASSES STARTING NOW! CALL SCOTT 360-540-2121 Sandi Riley 770-8670 Sharon Stokes 661-6164 Tamara Cooper 630-9127 Traci Cypher 708-9481 Veronica Lopez 420-0696

160FT W/FRONT!… low bank on GREAT NEIGHBORHOOD… Rambler east side of Big Lake. 1 1/3 ac site, w/daylight bsmt, living/dining rm, lots private, ready for new home. 2 small of natural light. New carpets, gas frpl rentals, several outbuildings incl. a & water view. 4BR, 3BA, Skyline area. saloon & gazebo. $695,000. #386044 $297,500. #422418 SEE THE WORLD… Gorgeous views CAMANO ISLAND… 2.5 acres near from one acre lot in Cascade Ridge. Camano Plaza w/1920 sf bldg & Gated area, total privacy. Conway room to expand. Zoned for light mfg. schools. $495,000. #28094177 $335,000. #3912228 TAKE A LOOK!… Well maintained CREEK RUNS THRU IT.… Interest3BR, lg corner lot. New kitchen w/ ing 20 acres near Sedro-Woolley. stainless appl. Gas f/place, rec rm w/ Best thing about it is the price. JUST blt-ins, back yard fenced, detached 49,500. #330350 garage. $183,500. #425281 COZY TIMBER FRAME… 3BR, 2BA BEAUTIFUL NEW HOME!… In cabin at Glacier. Gated community, X quiet cul-de-sac. Gorgeous Timbo- country skiing, summer hiking, all new rana wood floors. Granite counters, kitchen+ lots more. $255,000. #394247 tile accents, wide moldings & trim. MV DUPLEX… well maintained on $319,500. #261856 lg corner lot. 2BR, 1 BA, f/place, all NEW HOME… Lovely 3 BR Rambler appliances stay. Attached garage. w/attached garage on shy acre, ex- $199,950. #391996 cellent garden soils. Great location FANTASTIC ACRE… plus pond between Burlington & Sedro-Woolley. stocked with fish on 15.7 acres, $269,500. #310254 Pleasant ridge. $224,500. #290061 Mary Jo Reitsma 770-6013 Dick Best 770-1491 Shelah Inman 661-0145 Fritz Inman 661-0147 Jan Scally 421-5160

Real Estate Weekly

Evening Phone Calls Welcome

Jeff Ingman Phil Hurtig Tim Reichert Tod LeHecka Holly Hilts

202-2859 770-0787 391-5587 333-1032 661-5538

UNBELIEVABLE… 4+BR, 3BA, 2 family rooms, den, French doors, central vac, air cond., all stainless appl, views from deck & much more. $348,500. #424228 VACANT LAND… 6.42 ac. in quiet location. Ready for mobile or stick blt home. Level parcel w/power in street & seasonal creek. $40,000. #368056 SHARP MFG HOME… open floor plan, vaulted ceiling, spacious great room + office/den. Quiet newer park. $29,900. #406427 COZY… Renovated home on lg lot, quiet neighborhood, close to schools.

Great starter or retirement home. $165,000. #394278 SMALL GRAVEL PIT… 20 acres near Sedro-Woolley.. Water & Power available to build your new home. $99,500. #330672 2 ACRE LOTS… 2 parcels ready for your new home. Each is 2 acres w/ nice territorial views and municipal water available. $110,000. #45359

Terri Heyntsen Ron Wortham Galen Kindred

391-0938 661-1500 770-7083

November 30, 2012

5

Could your home be making you sick?

Constant fatigue, headaches, recurring upper respiratory infections. Do these symptoms sound familiar to you? If you are experiencing ongoing symptoms of some mysterious illness you may not be a hypochondriac at all -- your home may be making you sick.

It may be hard to believe that the place you call your sanctuary actually could be the breeding ground for unseen germs and other dangers, but there are many potential pathogens that could be taking up residence alongside you and your family.

Kitchen The kitchen is one area of the home that could be teeming with microscopic invaders. According to researchers at New York University, the dirtiest place in the entire home is the kitchen sink. From discarded pieces of food to raw juices from meat, the kitchen sink comes in contact with many different substances, all of which may harbor bacteria. One may think that water constantly running in the sink would clean it effectively. This is not the case. Use a germicide or a bleach-and-water solution and a brush to scrub down the sink a few times a week. Do not use a sponge used for washing dishes; otherwise you can transfer bacteria to silverware and plates, risking infection.

Kitchen sponges should be discarded after about a week of use. However, if you are environmentally minded, the only ways to effectively kill bacteria hiding in porous sponges is to microwave them on high for a minute or run them through a dishwasher cycle.

Building materials Unless you have purchased a new home and were involved with the building process, it could be difficult to know which building materials were used to construct your home. Certain materials once deemed safe are now banned. If your home was built between 1920 and 1978, there may be asbestos in the home. It was primarily used as an insulating material. Although asbestos in small amounts may not be harmful, breathing in high levels of asbestos over an extended period of time may increase your risk for cancer and respiratory ailments.

Lead is also commonly found in older homes. Lead was a main component of paints in the past. Some homes even feature lead water pipes. Young children are highly susceptible to lead poisoning. The Environmental Protection Agency says that nearly 900,000 American children suffer from lead poisoning each year.

Certain adhesives, carpets, vinyl materials, and varnishes can give off VOCs, or volatile organic compounds. Products that you use in your home every day emit gases that may be harmful, both right away and after extended exposure. These may cause anything from nose and throat irritation to memory loss.

6

November 30, 2012

Real Estate Weekly goskagit.com/reweekly

Allergens Water is a necessity to sustain life on this planet. While water can have many different positive attributes, water is also the culprit in helping to breed potentially dangerous organisms in and around the house.

Water damage around the house may foster the growth of mold and other organisms. Inhaling mold spores can trigger allergies or increase the risk of illness.

Insects and rodents also tend to gravitate to moist areas of the home, and waste from pests may lead to respiratory ailments and other serious conditions.

You can prevent many illnesses in the home by addressing any underlying water issues.

Fix leaks and use a dehumidifier to dry out the interior of the home.

Chemicals Home-cleaning products, pesticides, fertilizers and paints can each contribute to unhealthy air in the home. These items may also cause irritation to the eyes and skin. Look for alternatives to harsh chemicals in your household to limit the amount of items that could be polluting your living spaces.

Many people assume illnesses are the result of outside factors. However, there are many things lurking inside the home that can contribute to myriad health symptoms.

www.WindermereSkagit.com Windermere Real Estate/ Skagit Valley 1030 East College Way • Mount Vernon (360) 424-4901 • 1-800-849-7939 2610 E. SECTION ST., #106, MV $28,000 Gated serene retirement community with lovely 2 bedrooms, 2 bath home. Spacious floor plan with carport & storage shed plus nice patio & private park-like back yard. Call Alice Hanson at 770-8791. #299022 869 CARRIAGE CT., SDW $79,500 Immaculate triple wide with 2 bedrooms, 1.75 baths, den, vaulted ceiling, kitchen with island & maple cabinets. Natural gas heat, water & range. A 10x20 insulated shed & work bench.

All located in quiet gated retirement community. Call Alice Hanson at 770-8791. #230071 2340 CROSBY DR., MV $269,500 604 N. LAVENTURE ST., MV $139,950 Super large custom home offering 4 bedrooms & 3 baths.

Clean & tidy rambler on a nice corner lot within walking Over 3700 sq.ft. of living space. Beautiful western valley & distance to different city amenities. Spacious living room plus sunset views. Call Elizabeth Miller at 420-3607. #424629 a big family room/dining room. Good off street parking for 4728 STATE ROUTE 9,SDW $329,900 several vehicles plus a small outbuilding. Ready for you to Lovely park-like setting, 1 story home, 2 bedrooms, 1.5 baths, move right in. Call Robin Luif at 420-2026. #420069 large 2 car garage. Plus 3 bay machine shed, 24x30 shop both 22998 STATE ROUTE 9, MV $149,000 Peaceful, private country setting for this nice manufactured home with 2 bedrooms & 2 baths. Large deck to enjoy the lovely views of Lake McMurray & the mountains. All on 1 acre with a pond. Call Alice Hanson at 770-8791. #400909

with power. Covered RV parking, small barn, greenhouse, storage sheds & more. All on 5.95 level acres with evergreens & ample lawn. Call Alice Hanson at 770-8791. #369264

18653 BLACKBERRY LN, MV $169,000 Enjoy beautiful views of Big Lake from a private covered deck or from the picture windows that surround this gorgeous 1760 sq.ft. home. Open floor plan with vaulted ceilings. Fully finished lower level. Call Linda Eastman at 202-4075. #275165

rooms, 2629 SF, 3 car garage & main floor master. Brazilian Labradorite stone c’tops & all new hardwood. Call Bill & Jannette Krieger at 421-4446. #269149

100 BELMONT TERRACE, MV $199,500 1-level brick home offering 3 bedrooms, 1 3/4 baths, 2 fireplaces, 1680+ SF, family & dining rooms, cedar lined closets & built in’s. Private fenced back yard with covered patio, 2 car garage. Close to medical facilities and I-5 corridor. Call Linda Eastman at 202-4075. #408480

Waterfront home at a great price. 1-story home with wonderful floor plan with spacious rooms & spectacular water views.

Large level lot, 2 car garage. Close to LaConner. Call Sarah Minton at 770-3076. #249568

1246 ARREZO DR., SDW $230,000 Commanding views of the Cascade foothills. Very nice residence in Sauk Mountain Estates offering 3 bedrooms, 2.5 baths. View deck & fully fenced yard. Call Elizabeth Miller at 420-3607. #424629

WATERFRONT ESTATE with 1+ acre on Big Lake. Full view of the lake, 3 RV pads with hook-ups. 3 stall dressing building.

2 decks & 2 docks. 1400+ SF with 2 bedrooms & 2 baths. Call Linda Eastman at 202-4075. #112580

6792 F & S GRADE RD., SDW $375,000 Car Collector’s Dream: garage space for 12 cars! Approx.2238 1419 DIGBY PL., #107, MV $160,000 SF, 3 bedrooms, 1.75 baths. Pond, 6+ acres, lower property w/ Cute, clean 2 bedroom Maddox Creek condo in secure build- approx.740’of Samish River frontage. Call Linda Eastman at ing with gated parking. Open kitchen & living area, tile floor- 202-4075. #90077 ing in kitchen & dining area. In-unit laundry. Why rent when 1301 ALPINE VIEW DR., MV $379,000 you can own? Call Megan O’Bryan at 708-5817. #348813 Beautiful Eaglemont home on the 12th green offers: 4 bed-

19041 BEAVER MARSH RD., MV $389,000 1893 farmhouse with many upgrades & improvements. Small 455 KLICKITAT, LAC $192,500 orchard, hobby stable, fenced pasture & Skagit River waterWonderful LaConner home featuring views over the marina, front. House has newly remodeled baths, cork flooring, more. spacious rooms, open floor plan, two fireplaces, attached This nearly 2 acre property also includes a 750 SF guest house. garage and great amenities abound. Call Sarah Minton at 770- Call Jim Glackin at 428-2828. #412 3076. #29136416 15002 CHANNEL LN, LAC $398,000

17999 W. BIG LAKE BLVD., MV $399,950 Adorable updated 2 bedroom home LIKE NEW, beautiful 39541 BAKER LAKE RD., CNC $219,000 hickory cabinets, fireplace, tankless hot water, 1.75 baths.

A nice rambler with basement & 3 bedrooms, 1 bath all on Front deck to enjoy gorgeous lake & mountain views. 100’ of over 9 acres. Newer roof, windows, wiring & paint. Many no bank waterfront. Call Alice Hanson at 770-8791 or Linda outbuildings for your equipment. Close to lake & river fishing. Eastman at 202-4075. #317967 Call Alice Hanson at 770-8791. #311226 17311 W. BIG LAKE BLVD., BIG LAKE $529,900

goskagit.com/reweekly

Real Estate Weekly

November 30, 2012

7

M O RTGAGE S

Pay Down Debt First

New rule on FHA loans requires borrowers to pay down in-collections debt before obtaining a federally backed loan If you’re thinking about applying for a mortgage loan from the Federal Housing Administration – or refinancing your current loan – you may have a new roadblock. If you owe more than $1,000 in debt that’s in collection, an FHA loan will be off limits to you due to a controversial new rule that goes into effect July 1.

Postponed since original start date of April 1, the rule prohibits borrowers with more than $1,000 in disputed collection accounts from obtaining a federally backed FHA mortgage.

Prospective borrowers can reapply once they pay off these outstanding

VALLEY HOMES

(360) 424-7166

823 N. 4th St., Mount Vernon

collections.

Leisel Taylor, a Realtor with Keller Williams Preferred Properties in Upper Marlboro, Md., says the rule was devised to decrease the risk of default.

“The FHA noticed that most of the defaulted loans were borrowers who had a significant amount of debt on their credit profile,” says Taylor, who notes that the new rule will hit hardest on first-time homebuyers, many of whom have debt-collection challenges.

“This issue impacts individuals who have debts in collections, including credit card and medical debt,” says Hale Walker, senior vice president of First Preferred Mortgage Company in Detroit. “This is about common sense for the FHA. From the lender’s perspective, the chances are that these Visit our website at

AMERICAN DREAM REAL ESTATE SERVICES, INC.

buyingvalleyhomes.com Call or email us today at

remaxvalley@comcast.net

Property Management Services / Rental Listings Available (360) 424-3198

22071 Little Mountain Rd., Mount Vernon Beautiful home on acreage. Kitchen has top-of-theline cabinets, granite countertops, walk-in pantry, & a 4" butcher block island. Flooring is hand scraped white oak. Covered deck allows views over the valley. Master has lg. tiled shower, tub, & two sinks.

Rec rm has a wet bar & fireplace. Beauty salon off garage. On demand hot water.

Call Becky Elde 360-770-9427 MLS #333664 $ 440,000

3610 Mohawk Ct., Mount Vernon Amazing views to the west & north with wrap around deck to take full advantage of sunsets & snow geese in the winter; all on quiet dead end street. Nice 4 BR, 2 full BA home on large lot with fruit & nut trees & ample yard space. Kitchen has beautiful oak cabinets, open floor plan to dining & living room plus huge rec room.

Call Becky Elde 360-770-9427 MLS #396629 $299,500

551 Ruby Peak Ave., Mount Vernon Very nice 2006 home with 3 BRs, 2.5 BAs, kitchen with large dining space, living room & utility room with attached 2-car garage. Fully fenced backyard that has a greenbelt for added privacy. Exceptional backyard that is unique to most other backyards in the area that have grass only.

Call Jim Nicholas 360-708-9379 MLS #413945 $164,700

Oak Harbor

#426150 • $165,000

Private & Cozy 1 Acre #360912 • $199,000

Views!Views!Views! #349029 • $329,000

Very nice 3 bedroom, 1 bath home located right on Midway Drive. Home features metal roof, newer windows, nice big yard with shed and much more!

Zoned for personal business so plenty of option for the great property!

Close to town! Only 10 min to NAS/Whidbey Island.New exterior paint, newer roof on 2 car garage & outbuilding.

Fully fenced lot. Private well & pump house, 2006 septic system. Master bed/bath w/fireplace & jacuzzi tub. Wood stove in living room, large separate family room. Updated kitchen. Separate utility room. Storm windows, propane gas heat.

Bring your boat! Cornet Bay boat launch across street.

Campgrounds in walking distance. Huge corner lot 28,730, very well maintained. All new stainless appliances. Open floor plan, hardwood floors. Huge workshop with views. Drainage pond, three large decks.

#316627 • $22,000

#406965 • $149,950

This is a very outstanding home in one of Washington’s finest retirement communities. Large open floor plan features 3 bedrooms, 2 full baths (one in master bedroom) large living room family room and 1 car garage.

Charming 3 bdrm home in a great location. Located near the hospital & schools, just minutes from I-5, this affordable is ready for new owners. Terrific lot with a nice back yard. A little personal TLC will go a long way with this house don’t miss out!

Equestrian Property #313691 • $469,900

8.96 acs w/fenced pastures. New carpet/windows/ furnace, newer roofs, updated baths. Kitch w/new cabinets, granite counters, s/s applcs, brkfst bar.

Open floor plan, 3 car shop w/1 RV door & loft, 6 stall barn w/tac rm & covered RV/boat spaces, 6 run dog kennel/bldg, fruit trees, garden sp, + 2 BR manuf hm, 3 car gar. Zoned open space.

710 W Lincoln St., Mount Vernon Investment opportunity. 11880 sq. ft. R-3 zoned lots w/2 homes priced to sell. Natural gas heat. Zoning allows for multi-family and some businesses. Don't miss out on this opportunity. Parcel #P54820 and #P54816.

Call Laura Bird 360-630-9692 MLS #414997 $140,000

8

November 30, 2012

borrowers will not take homeownership seriously, and that ultimately puts the lender on the hook for that potential default liability.”

To qualify for an FHA loan, barred borrowers should carefully monitor and correct any inaccuracies in their credit report (visit annualcreditreport.com for a free report), pay their debts on time, and get on a payment plan to whittle down any debts in collections.

Matt Hackett, an underwriting manager with Equity Now in New York, said that a collection agency may be willing to accept an amount lower than the balance to settle an account.

Further, analysts with JPMorgan Chase predicted that the rule might cut demand for FHA loans by up to 20 percent, which could be a significant blow to the real estate rebound.

2610 Section St. #74, Mount Vernon Beautiful home with lots of upgrades and remodeling. Spotless floor coverings, custom interior paint and other amenities that you won't find in similar homes. Well lighted kitchen with all kinds of cabinets and plenty of work space that is adjacent to a bay windowed breakfast room and large formal dining room.

Call Jim Nicholas 360-708-9379 MLS #424119 $59,500

XXX W Alder Dr., Sedro Woolley Buildable lot in Glenhaven Community overlooks beautiful foothills and possible Cain Lake view after property is cleared. Water and power at street. Community features clubhouse, swimming pool, and lake access. This is the most affordable residential lot in this community!! Motivated seller.

Call Laura Bird 360-630-9692 MLS #338376 $15,000

Little Mountain

Great Location

“Fulfilling Northwest Family Dreams” Anacortes Office

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

Mount Vernon Office

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

Like American Dream Real Estate Mount Vernon

www.adrhomes.net

Real Estate Weekly goskagit.com/reweekly

Q&A

The Two-Lien Tango QUESTION: I have a first and second mortgage on my home.

Last year, my lender agreed to a loan modification on the first. The problem is that the lender will not help with a re-fi or loan modification on the second lien. Any suggestions?

ANSWER: Let’s imagine you bought a home six years ago for $300,000. You got 80 percent ($240,000) from the first loan, 15 percent ($45,000) from the second and paid $15,000 in cash plus closing costs.

Today the property is worth $200,000.

That means there is no equity. If the property is foreclosed, any money from the sale will go to pay off the first lender. If there is anything left after the first lienholder is paid – and in this example, there isn’t – then the second lienholder may get some money.

Your question raises several points.

First, the lender will not refinance or modify the second lien because the property has little or no equity to secure the mortgage.

Second, it may appear that both loans are owned by one lender, but that may not be the case. It’s entirely possible that you’re speaking with the loan “servicer,” a company that collects monthly payments. The two loans may be owned by different investors.

Even though your property has little or no equity, it may be possible to change the terms of the second mortgage under the government’s Second Lien Modification Program (2MP). However, for this to happen

Ask Our Broker

By Peter G. Miller

the first lien must be modified through the federal Home Affordable Modification Program (HAMP), and the second lien owner must be among those who participate in 2MP. Just getting the first mortgage modified through HAMP could greatly ease financial issues – the typical monthly savings with a successful HAMP refinance is $536. In other words, even if the second lien cannot be modified, a HAMP modification could still help.

You can get more modification information at MakingHomeAffordable.gov or by speaking with a free HUD-approved housing counselor at 888-995-4673.

Now could be the time to sell a new home.

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

Let us help you advertise your home or listing in Real Estate Weekly.

Call 360.416.2180 In print and online

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Real Estate Weekly

SKAGIT PUBLISHING

ads@skagitads.com

November 30, 2012

9

2 bdrm 1 ½ ba, Burl., W/D hookup, W/S/G pd., no pets. Move in ready! $777/mo. 360-757-2923.

WOODLAND APTS

1, 2 & 3 Bdrm Apts 2 x 1 ½ Town homes Covered Parking Complete Appliance Pkgs Sport Courts / Playgrounds Pet Friendly Call Today! 360-856-4803

2 Bdrm, 1 Ba, Fairhaven Manor 757-2149 shown by appt only.

Norris Place 757-3060 360-755-0125 2 & 3 Bdrm Apts. W/S/G pd.

ANAC. 3 BDRM, 1.5 BA Great location, some restric- No smoking/pets, $1100.00 tion apply. Call or stop in to- mo., 1st, last, dep., refs reday. q'd., $30 application fee.

S.W. Newer 2 bdrm, 1 ½ ba, 360-293-7940 W/D, 1 car garage, no dogs.

Indoor Pool & Spa $850/mo. Call Beth at 360- 1 Bdrm furnished master 708-8665. suite on Clear Lake, all utilities paid. No pets/smoke.

SW 1 bdrm, downstairs, $650 $950. 360-856-6949 + $400 dep. Cute & convenient, no smoke. 856-6737 MV, Eaglemont, 4 Bdrm, 2 ½ Ba, 3 car garage, $2,200.

Spacious 2 & 3 Bdrm 2 Ba 360-941-7188 WD, W/S/G/cable pd.

New home for $775/$875. No pets.

Christmas!

1827 E. Division MV. Choose from (3) Bdrm, 2 360-961-3899 or Ba homes. $1350-$1450.

360-428-8980 www.skagitsolutions.com or call 420-0606 or 420-9808 to see

½ off 1st mo. rent! 2 bdrm, 1 ba, cozy, well maintained house for rent in S.W., single car garage, extra storage, garbage disp., D/W, gas frplc., $895/mo., $850/ dep.

Call Piazza Realty, Property Mgmt 360-424-7368

Newer 3 Bdrm, 2 Ba, on private street, garage, applcs., close to shopping & park, $1400/mo. 360-661-6674

2 bdrm, 1 ba, S.W. 2 car carport + extra storage, includes W/S/G, no smoke/pets. $775. + $500 dep. Call 856-4334

Stanwood/Silvana, Pioneer Hwy, studio cottage, W/D, carport, W/S/G pd., $600/mo. $400/dep. 360-424-6974

Burl., 1076 Andis Rd., 2 Bdrm, 1 Ba, gas heat, MV near college, TV & intergarage, W/D, yard, $850 mo., net, $500/mo. $100/dep. 360$500 dep. 360-424-6974 424-6974

1 bdrm, MV, safe & quiet, 1 level, near hospital. Corner of 16th & Skagit. $690. W/S/G pd. 360-652-6560 1ST MO. FREE! 1, 2 & 3 bdrm, MV, near college, onsite laundry, reserved parking. W/S/G pd. Qualify today!

Move in tomorrow! 428-3887 2 bdrm, 1 ½ ba, MV, 1211 N. 9th St. #2 & #3, W/S/G pd., 1 - 4 Bdrm Rentals. $700/mo. Amy 360-757-0708 Piazza Realty Property Cute downtown studios, Mgmt., Inc. 360-424-RENT on bus line. Great MV (7368) www.prpmrentals.com location $500-$550.

1 bdrm lakehouse for rent.

ASK ABOUT OUR $1,000/mo. Avail now.

MOVE IN SPECIAL! Call 360-422-6206 360-941-6986

10- November November 2012 10 30,30, 2012

RENTALS

Houses & Apartments.

See our listings at www.skagitrentals.com Remax Property Mgmt.

823 N. 4th, Mount Vernon 360-424-3198

2 Bdrm, 1 ½ Ba, gas heat, W/D hook-up, garage, $795.

Avail. Now. 1000-A Sterling St., S.W. 425-773-0573

MV 2 Bdrm, 1 ½ Ba, W/S/G pd., no smoke or pets, $775/mo., $300/damage.

Credit check. 360-428-4954 MV 49 WILLOW LANE 1 bdrm, 1 ba. On-site laundry & storage. Ample parking. No pets. $650 incl. W/S/G. Avail now. Nice. 360-420-5700 MV studio in triplex, W/S/G pd. $500 + dep. 360-9415395 SEDRO-WOOLEY DUPLEX 2 bedroom 1 ba, W/D hookup, 1 car garage, large private yard. $800/mo. Plus deposit. 360-435-1161

Roommate to share home with woman in Anacortes Skyline area, furnished or not, $375 + shared util. Refs req'd. 360-299-2288

Working in MV? Need a site for your RV? MV RV PARK has extended stay sites available. (360) 428-8787.

Burlington Business Park, warehouse/office combo, 4,060 sq. ft. warehouse, 1,066 sq. ft. office, 600 sq. ft.

MV, 1010 S. 16th St., 2 bdrm, mezzanines, loading dock.

1 ba, near hospital, wood- Call Al Brown, 360-770-9877 stove, attached garage, W/D, patio, yard, ground floor. $775/mo. $500/dep. 360424-6974 1 acre, well is in, pump not included. Power, phone and cable fronts property.

Birdsview area. $38,000.

360-422-5853

Real Estate Weekly goskagit.com/reweekly REAL ESTATE WEEKLY goskagit.com /reweekly

e - Are you trying to realize , your dream of a home on - acreage and can't afford the price of a new manufactured home? Call Manufactured Housing Resource for a solution to your problem. We have e pre-owned homes and fiK nancing in place to help - you. 360-855-2214

, , , . .

OPEN HOUSE SUNDAY 12/2 AT 12-3PM 1011 N. LAVENTURE RD. MOUNT VERNON

2107 Meadows Ln, Anacortes

127801

supplied

RENT TO OWN 3 bdrm 2 ba + bonus room, 2 car garage, large fenced yard. Close to school & play fields. $1500. www.skagitsolutions.com 360-420-0606 v1

HUGE MASTER BEDROOM & BATH. This 4BD 3BA has recently had a face lift. Fresh landscaping, fresh paint, new carpets, new granite kitchen counters. This home has casual and formal living and a bonus room. A DREAM YARD terraced and fully fenced. Imagine a neighborhood barbecue in your backyard, on your deck with room to spare. Go to www.rondeboer.com for photo gallery. $339,960.

Windermere Real Estate Whatcom Inc., Ron DeBoer 360-201-5282

13:50

8/8/02

JC

85

RENT TO OWN Cute 3 bdrm, 2 ½ ba, 2 story, quiet MV neighborhood, great starter home, $1400. www.skagitsolutions.com 360-420-0606

Just Sold

1922 S. 16th Street, Mount Vernon IrisPerfect Match

*127801*

Peggy really wanted her house sold. Nicole and Mike really wanted to buy a house with the right price, right size, and the right location.

Perfect Match If you, a friend or family member need A Perfect Match Call 425-501-2848 or text ronshomematch@hotmail.com

The The most most dangerous dangerous animals animals in in the the forest forest don’t don’t live live there. there.

ONLY YOU CAN PR E VE N T W I L D FIRE S. w w w . s m o k e y b e a r. c o m

RANCH RAMBLER 27930 Hoehn Road, Sedro-Woolley 32 LEVEL ACRES $369,000

Ron Barker, Your Friend in the Business: CENTURY 21 North Homes Realty, Inc. 526 E. College Way, Mount Vernon

New price for custom built 3 bdrm, 2 ½ ba w/family room off kitchen, dining room overlooks private backyard, fresh interior paint, oversized 2 car garage, circular drive.

Acreage suitable for farming or livestock, some marketable timber. Possible lease option to buy.

MLS 202725 425-985-9643 Terry Smiley Champions Real Estate

ROOMY PRIVATE PARK-LIKE HOME 3BD/2BA home on 5 acres.

Home has an open floor plan and skylights to bring the outdoors in. Enjoy privacy on the patio off the master bedroom. Kitchen features stainless steel appliances. Attached 2 car garage, carport, and RV parking. woodshed, shop/ garage. $289,900. Possible Lease Option. $4,800 Cash Down Payment, $1470 per month. 1/2 acre lot next door also available at $39,000.

RE/MAX Whatcom County Keith Cook 360-739-5600 www.BuyerMax.com

WHY ADVERTISE IN THE SKAGIT VALLEY HERALD? EVERY DOLLAR COUNTS.

NOTE TO PUB: DO NOT PRINT INFO BELOW, FOR I.D. ONLY. NO ALTERING OF AD COUNCIL PSAS. Wildfire Prevention - Newspaper (2 1/16 x 2) B&W WFPA01-N-03259-C “Animals” 85 screen Film at Schawk 212-689-8585 Reference #: 127801

CHOOSE A PROVEN SOURCE FOR

OWNER'S CONTRACT Owner's contract with $19,000 down - 5% interest, $900 per month payments, 35 year cash-out. Single level 3 bedroom, full bath, 3/4 bath, and 1/2 bath home, living & family room. New roof.

Disabled access. Newer gas forced air furnace. 2-car garage. Large fenced yard. $169,000.

RETURN ON INVESTMENT. You should be advertising in these tough economic times.

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goskagit.com/reweekly REAL ESTATE WEEKLY goskagit.com/reweekly

FOR SALE BY OWNER $35,500

2007 Evergreen mfg home 44'x27', 2 bdrm, 2 ba, appliances including W/D, electric heat pump & A/C, shed, carport with covered walk-way in small park in Sedro-Woolley.

Call 856-5578

Real Estate Weekly

RENT-TO-OWN this BRAND NEW certified built green 3 bedrooms 2 bath home in Sedro-Woolley.

Enjoy lower utility bills and a small easily maintained landscape. Some of the many green built features include easy to clean ceramic tile and cork flooring, low flow dual flush toilets and a high efficiency natural gas furnace. For more information visit our website at skagitsolutions.com

Don’t Shell Out a Lot of Cash; Use the Classifieds.

Smart shoppers know about the bargains hidden within the Classified pages. In the Classifieds, you can track down deals on everything from tickets to trailers.

It’s easy to place an ad or find the items you want, and it’s used by hundreds of area shoppers every day.

360-424-4567 November 30, 30, 2012 November 2012 -11 11

502 SHADY LANE, MOUNT VERNON

FIRST TIME HOMEBUYER EDUCATION SEMINAR!

$205,000 1508 LINDSAY LP #105, MOUNT VERNON

$215,000

Skagit Tradition Realty in collaboration with Carol Harris of Prime Lending is pleased to offer this free first time homebuyer seminar. Please make plans to attend this informative, free first step to home ownership!

Seminar is offered in two sessions, you must attend both sessions to receive your certificate.

December 4th & December 6th 6:00 P.M. to 8:30 P.M. Held at: Prime Lending, 811 Cleveland Ave Mount Vernon

Stonebridge 55+ community. Quiet, deadend w/ gated access to walking trail. Vaulted ceilings, gas fireplace & sliding door to covered patio. Kitchen has walk-in pantry; master has spacious walk-in closet. Utility room w/ nice cabinets & large sink. Garage features cabinet storage & tool bench. MLS#421739

Please call Carol Harris to reserve your place!

Direct: 360.588.5431 Cell: 425.478.1638

2600 E DIVISION ST #73, MOUNT VERNON

$19,900 22359 AMICK RD, MOUNT VERNON

T IEN G! EN IVIN V N L CONIOR SE

PR

4500 SQ. FT. CUSTOM HOME. Beautiful, spacious, striking custom design by Ladies Home Journal architectural editor.

Many, many custom built ins; with each room a generous size. Three bedrooms, yet two family rooms, a den; each which could provide additional bedrooms. Two natural gas log fireplaces. Lots of light! One steps out onto expansive decking with beautiful views of the estate. SUBJECT TO BOUNDARY LINE ADJUSTMENT. 2+ additional Danya Wolf acres available. MLS#347359 360-708-8294

PR

Beautiful 4 BDRM home with Saltwater view & with beach access. Large fenced backyard w/brick patio, hot tub, fire pit, 9 fruit trees, raspberries, strawberries, garden area & large evergreens. Open floor plan.

Electric & propane hookup for range. Master bedroom w/retreat & deck that overlooks scenic Hale’s passage. Kitchen has island and lots of cabinet space. Master bath has double Suzanne Jenkins sinks, large soaking tub & shower. MLS#412892 360-941-2983

$38,000 XXX IDA DR, SEDRO-WOOLLEY

BUILD YOUR DREAM!

If you like beautiful mt. scenery & enjoy outdoor activities, you’ll love 2 lots in Sauk River Estates at gateway to High Cascades near North Cascade Hwy. Great place to relax around the BBQ and view peaceful mtns & close to Sauk Riv. Certified to build in 2003 & water/septic system on property. High water quality. MLS#412710

Awesome location in the country, cute 2 bedroom, one story 1910 farmhouse with 9+ acres and great views all around.

Features Vinyl siding, vinyl windows, barn, outbuildings, fruit trees, garden space and RV parking. MLS#408349

This is it! Last Available building lot (#25) in a desired area. Great 20X40 shop on site. Level lot is just shy of an acre with beautiful, mature trees. Community water system. MLS#419801

Wonderful 1620 sq. foot home is located in a great area and offers a shop/garage, a detached studio, generous decking with hot tub; all located on a generous fenced acre. Convenient distance yet removed from I-5. Equidistant from Mount Vernon and Bellingham. MLS#334536

$99,000 1601 N WAUGH RD, MOUNT VERNON

BEAUTIFUL LOT - READY TO BUILD!

Richard Dickman 360-420-3155

Brett Tacker 360-840-7931

Sandy Everett 360-202-3706

360.424.0300 or 800.697.4118

$399,900

YEAR ROUND BEAUTY!

Danya Wolf 360-708-8294

Beautiful low bank 50’ waterfront lot.

Spectacular sunsets and views of the Straits of Georgia and White Rock. Great crabbing and clamming. Just the place for your dream home on Semiahmoo Bay. MLS#375264

$450,000 XXX MOUNTAIN VIEW LANE, ROCKPORT

INCOME POTENTIAL!

Two fourplex tracts for $150,000 ea & one five plex tract for $175,000. Building permit ready for thirteen (13) units. Or, administrative conditional use potential for prof/med offices.

All utilities; incl off-site, fenced storm retention pond. Enjoy sunsets & Mount Baker view from this level 37,800 SF city tract. MLS#29133170

Creative Financing. Just across the street from Bakerview Park. All appliances included. The home boasts brand new carpet and paint in all 3 bedrooms, living, dining and bonus room. Master has a full size bath. The other 2 bedrooms and 2nd bath are located at the opposite end of home from the master. Fenced yard and off-street Sandy Everett parking. MLS#362042 360-202-3706

$214,000 XXX OERTEL DR, BLAINE

T IEN !

EN ION V N AT COLOC

!

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I

W NE

14833 MOUNTAIN VIEW LANE, CONCRETE

LEA

$349,900 2548 MACKENZIE RD, GOOSEBERRY POINT $200,000 19945 PARSON CREEK RD, SEDRO-WOOLLEY

!

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P SE O

Beautiful two-story home on 4.5 private ac only 8 min. from I-5.

Custom home features newly remodeled kitchen w/granite counter tops, slate floors & premium appliances. Finished daylight basement is ideal for entertaining w/spacious game & media rooms.

Radiant floor heat provides clean, comfortable & even heating. Enjoy territorial views from the Russ Lanker wrap-around deck’s gazebo. MLS#373109 360-708-1117

I

W NE

$269,850 2905 TIMOTHY PLACE, MOUNT VERNON $1200/MO./$145,950

N T! K ORKE C A BA M E TH

3 BDRM single wide Kit manufactured home with lovely cabinets, kitchen appliances; and laminate flooring. Beautifully decorated and maintained.

Lots of built ins and storage. Carpeted bedrooms.

Covered porch & deck. Vinyl windows. Open & bright. Space rent includes sewer, garbage, tv cable, and carport with storage building with Danya Wolf electricity and light. 55+ park. MLS#337840 360-708-8294

1520 MEADOWLARK LANE, MOUNT VERNON

$399,900 9232 COLLINS RD, SEDRO-WOOLLEY

Danya Wolf 360-708-8294

Beautiful Condo 2 bedrooms plus a den. 2 bath rooms, Granite counter tops, vaulted ceilings, large tile master shower, Great floor plan. All on one floor with no steps. 2 car garage woth Boudreau auto opener. Must see this one. MLS#394504 JoAnn 360-391-0746

Suzanne Jenkins 360-941-2983

$147,500

ROOM TO ROAM!

Danya Wolf 360-708-8294

PRICE REDUCED. Beautiful, wooded mountainous property located in the gateway to the Cascade Mountains. Two parcels 38.55 (P31040) ac & 3.31 (P31041) ac w/possibility to subdivide into two residential buildable properties. Easy walking distance to scenic Sauk River & adjacent to Sauk Richard Dickman River Estates. MLS#341205 360-420-3155

3780 E. College Way, Mount Vernon

www.skagittraditionrealty.com