Re-Weekly 09-09-16

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

INSIDE INSIDE

This ThisIssue Issue

Falling foreclosures P. 4

Q & A: Ask Our Broker P. 8

Mortgage terms: What you see should be what you get th Open HouseSATURDAy, Sat., July 23rdSEPTEMbER & Sun., July 24 , 1-3 PM OPEN HOUSE 10, 10AM-12PM

Jamie Valley Skagit Yantis/ TraditionWindermere/Skagit Real Estate

SEE SEEPAGE PAGE33FOR FORMORE MORE

$425,000 $340,000

(360)360-424-0300 540-5264

RealEstate RealEstateweekly weekly

AAsupplement supplementtotothe theSkagit SkagitValley Valleyherald Heraldand andthe theAnacortes AnacortesAmerican American

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Classifieds P. 10 -11

SEPTEMbER 2016 SEPTEMBER 9 –9-15, 15, FEb. 5- FEb. 11,2016 2016 1474289

FEATUREHOME: HOME: FEATURE 17186 Vernon 1610 Coho ForestCourt, RidgeMount Place, Mount Vernon

P. 9

Re-Weekly content sponsored by: Northwest Fine Furnishings

TABLE OF CONTENTS Falling foreclosures................................. P. 4 Q & A: Ask our Broker.............................. P. 8

4

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

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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

BURLINGTON

Territory NW T

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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.

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MOUNT VERNON

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

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

www.SkagitValleyRealEstate.com w NE

OPEN HOUsE sAT. sEPT. 10TH 1-4PM

17539 Snee-Oosh Road, La Conner

$325,000

Dir: Going into La Conner, turn left onto Maple & continue over Rainbow Bridge. Take 2nd left after bridge onto Snee-Oosh Rd. Home is approx. ½ mile on the right.

Contemporary and spacious 2061SF, 3 BR, 1.75 BA home. Fresh paint and fixtures throughout. Sits on a secluded ½ acre. Two bonus rooms. Energy efficient heat pump with A/C. Fee-simple, move-in ready. MLS #1025221

Call Laura, 441-5099

OPEN HOUsE sAT. sEPT. 10TH 11-1 PM

20499 O’Leary Road, Mount Vernon

$379,500

Dir: From I-5, take exit 221, go west on English Rd, Right on O’Leary Rd to home at the end of the road.

Well maintained custom built home on just over ¼ acre in desirable Conway area. Home has 2,257 SF of living area. 3 large BR, 2.5 BA, and den/office. Master bedroom is on main level. Free standing wood stove. 32’ x 34’ fully insulated shop/garage. MLS #972381

OPEN HOUsE sUN. sEPT. 11TH 1-4PM 694 Rainbow Drive, Sedro-Woolley

$257,500

Dir: Exit I-5 240, East on Cain Lake Road, Left on Rainbow, property on left hand side. Impeccably maintained 3 BR, 2 BA rambler in Glenhaven.

Open floor plan. Spacious kitchen that flows into a large family room. Glenhaven amenities include community lake, boat launch, parks, fishing, swimming pool, tennis & clubhouse. Easy I-5 access. Too good to miss! MLS #1025580

$325,000

One of a kind valley view lot. 5-acre lot in secluded & upscale development. Build your dream home here.

Panoramic views of the valley! MLS #1021573

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

Wilma Louia Designated Broker/Owner 661-1631

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Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Mount Vernon $419,900 Home in Lake McMurray community featuring 2 BR, 1 BA. Guest cottage with power. 300+ feet of waterfront secluded with dock. Views of mountain and lake wildlife.

MLS #949550 Call Wilma, 661-1631

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Rockport $159,750 Home in Sauk River Estates. Private location. Well cared for 3 BR, 2 BA home. Huge RV carport with hookups. Shy ½ acre. MLS #907760

Call Wilma, 661-1631

Call Jim, 708-1681

D AN TL N CA VA

Burlington

G TIN LIs

Mount Vernon $559,500 Beautiful log & rock exterior low maintenance home. Fabulous views. Cathedral ceilings, solid wood doors, wood wrapped windows & high end finishes everywhere. Cozy see thru gas fireplace. Lg kitchen w/gorgeous cabinets & more. Master bath w/jetted tub, rock & tile shower w/etched glass enclosure. Covered & uncovered patio areas. MLS #1017540

Call Ivana, 770-3550

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

RE-Weekly.com

Call Elizabeth, 708-8800

Mount Vernon

$179,900

Adorable traditional home in small community in Clear Lake. Nicely updated with laminate flooring and windows.

Master bedroom on main floor. Pellet stove in living room.

Roomy utility room. 2 car attached carport with separate attached room. MLS #1025450

Call Debbie, 708-8780

Are you looking for a career change and are interested in Real Estate?

Call today at 360-755-9494!

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

1508858

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

1510206

• Cheval Mirrors with jewelry storage • Shaker bedroom furniture in Oak or Maple • Platform beds • Shaker bookcases (LOTS of sizes) in Oak or Maple • Oak coat trees • New furnishings and accessories arrive every few days!

INSIDE

Mortgage terms: What you see should be what you get.......................... P. 9

September 9, 2016

Feature Home From cover:

1610 Forest ridge Place, Mount Vernon 98273 Skagit tradition reality 3780 e. college Way mount vernon, Wa 360-424-0300 www.skagittraditionrealty.com

Offered at $459,900, MOVE-IN READY! 3 beds, 2.5 baths, 2,467 square feet Orcas plan on large wooded buffer lot Finished and insulated 2-car garage Landscaped, irrigated & maintained yard Open layout with great room Main Level master with bonus loft & guest suite

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.

360.757.6013 800.869.7084

CHARMING CRAFTSMAN.. Gardner’s delight. Updated 3 Br., newer bathroom, vinyl windows, repainted inside & out. Newer deck, pantry, unique gazebo & much more. $244,900. #1014319 NEARLY NEW HOME.. Great location on this 3 Br., 2.5 Ba. home. Beautiful wood floors, granite, stainless & very nice bonus room. Just $359,000. #937831 CUSTOM HOME ON 5 WOODED ACRES.. 3000 sf. Marblemont home w/lg pond. Lg Fir beams, maple floors & custom kitchen.

4 BR. many south facing windows. Various outbuildings. NEW LISTING..$295,000. #1017713 MONEY MAKER.. Automated car wash located near Western WA University. Priced for sale at 8.5% CAP on actual 2015 Net Income. Great investment at $1,466,000. #817963 BUILD YOUR DREAM.. Vacant lot directly across street from Sahalee Golf & Country Club. Last lot not built out in Plateau Point Plat at corner of 217th Pl. NE. $199,000. #951191

Jodi Dynes Galen Kindred Jeff Ingman Kristen Tuttle

September 9, 2016

333-7383 770-7083 202-2859 708-8392

1508874

Brown McMillen Real Estate

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 OPEN HOUSE • SUN. 9/11 • 12-2

OPEN HOUSE • SAT. 9/10 • 10-2 & SUN. 9/11 • 12-2

OPEN HOUSE • SUN. 9/11 • 1-3

1000 Chippewa St. - Hosted by Tim Reichert

12521 Wedgewood Dr. Hosted by Shelah Inman

21328 Blue Jay Place Hosted by Kristin Tuttle

NEW PRICE.. EXCEPTIONAL QUALITY HOME 4 Bd, 4.5 Ba, SKAGIT GOLF & COUNTRY CLUB.. Quality construction, BEAUTIFUL 2 STORY.. Cape Cod style home, crown over 3600 sq.ft., large gourmet kitchen home. Excellent 3 bdrms, 2.5 baths. Beautiful private yard with moldings, plank flooring, custom cabinetry, lrg. gourmet condition, extensive quality landscaping, great location! established landscaping. $368,000. #1024838 kitchen. Master on the main level, 650 sq. ft., guest quarters,

$484,500. #924967 GREAT LOCATION!.. Remodeled, stylish 3 br home.

Beautiful oak floors, vinyl windows, tile bath, cove ceilings, bonus rm, basement w/shop space & next to park. $210,000. #941536 COMMERCIAL SITE.. In excellent Mount Vernon location, paved street w/all utilities available and drainage installed. $437,000. #676549 BUILD YOUR DREAM HOME.. Excellent 1/3 acre w/views of Big Lake & surrounding mtns., ready to build on. Close to golf course, just $75,000. #598013 BIG LAKE AREA.. Level full acre bldg. site currently in pasture.

PUD water & electric available, fronts on paved street. $150,000. #927385

Tim Reichert Mary Jo Reitsma Terri Heyntsen Jan Scally

391-5587 770-6013 391-0938 421-5160

3 car garage all on 1.5 acres. $630,000. #970750 GOOD PLACE TO BUILD.. Or place a MFG home. 20 acres w/water share included. Located just 4 miles from Sedro Woolley. $89,500. #891041 FARMHOUSE ON 6+ ACRES.. Don’t miss this one, 2,620 sf home 4 Bdrms in a beautiful country setting. Lg barn & much more. $450,000. #1009749 ATTENTION BUILDERS..We have 23 lots available with all utilities stubbed to each lot. Beautiful setting near Big Lake, priced from $84,000-$145,000. #746424 thru #746695 GREAT STARTER.. Or rental, lot could support a Duplex.

1,056 SQ. FT. 3 bedroom $155,000. #956501 SAMISH ISLAND.. No Bank Waterfront! Gorgeous CHUCKANUT HOME.. On 4+ acres… 1 bedroom, location w/older fixer beach cabin built in 30’s. Includes 2 bathroom rambler with cedar trees in a much desired area! tidelands, enjoy crabbing & boating, $479,000. #945556

$409,900. #946376

Yvonne Brown Holly Hilts Shelah Inman Fritz Inman

RE-Weekly.com

840-4375 661-5538 661-0145 661-0147

Ron Wortham Travis Lohman Tod LeHecka David Parsons

661-1500 661-4533 333-1032 391-4008

1510293

HOME OF THE MONTH

suzanne Jenkins Buyer’s agent 360-941-2983

Well cared for home with RV parking; park like setting; and lots of personality! Lovely open kitchen with oak cabinetry and lots of counter space and wrap around breakfast bar; formal dining area; living room has masonry fireplace; as does family room. Five great bedrooms and 2 1/2 baths. Wonderful second story decking wraps around to hot tub area and overlooks park like back yard with barbecue pit; plus covered patio and double carport; one car garage; shop and fully fenced back yard. $340,000. mLS#1021199

311 Twin Brooks Court • MLS 913738 • • • • • • •

danya WolF 360-708-8294

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Falling Foreclosures Foreclosure rates are dipping. Here’s how owners, sellers and buyers can benefit

I

f you’re a homeowner, home seller or even a homebuyer, housing market headlines continue to indicate favorable conditions. But one recent news item in particular should make you sit up and take notice: foreclosure rates are dropping, and many stand to gain from this trend.

According to a recent report from ATTOM Data Solutions (parent company to RealtyTrac), foreclosure filings have decreased 20 percent in the first six months of 2016 versus six months earlier and have fallen 11 percent compared to the first half of 2015.

“Overall foreclosure activity is back below prerecession levels in 15 states, and foreclosure starts nationwide are at the lowest level ever recorded in a six-month period in the RealtyTrac report. Together, these two metrics strongly indicate that homeowners now falling into foreclosure are the exceptions to the rule and as such have a fighting chance to avoid foreclosure,” says Daren Blomquist, senior vice president of ATTOM Data Solutions, Irvine, California.

“It shows that foreclosure activity is returning to what it should be in a healthy housing market: a rare, but necessary evil.”

Blomquist says that’s good for owners because it

4

means a disproportionately high level of foreclosures are not dragging down their home value.

“Homeowners will likely have enough home equity built up to give them a lifeline out of foreclosure, whether through refinancing or by selling the property and at least walking away with cash to show for it,” he says. “It’s also good for home sellers because it means they are less likely to be competing with lower-priced distressed properties for sale in the neighborhood.”

The aforementioned news is even favorable for buyers in that it indicates a more stable, healthy market for them to be making an investment in, although the caveat is that it shifts the supply-demand balances in favor of sellers, Blomquist says.

Wendell de Guzman,

CEO of PCI LLC, an Oak Brook, Illinois based real estate investment firm, says the report’s findings are especially advantageous to homeowners because their properties should continue to appreciate next year, “and less foreclosure activity will also lead to higher sales prices, which also leads to even lesser foreclosure activity. The result of this virtuous cycle is that property values will likely go up in the next three to five years and foreclosure filings will continue to decrease over the next one to two years, I believe.”

J. Keith Baker, mortgage banking professor with North Lake College in Irving, Texas, says this latest news also raises hopes for underwater borrowers who owe more than their homes are worth.

“Those who were trapped into houses that they

RE-Weekly.com

couldn’t sell may now be able to move to another location or trade up or down,” says Baker, who recommends asking your lender about pursuing one or more of the following limited-time options if you are underwater and/or facing foreclosure (restrictions apply for each): • Home Affordable Refinance Program (HARP, due to expire on Dec. 31, 2016), a federal government mortgage refinance program designed to help underwater owners refinance to a lower interest rate • Home Affordable Modification Program (HAMP, also expiring on Dec. 31), a federal government program created to assist owners in avoiding foreclosure • Home Affordable Unemployment Program (UP, expiring Dec. 30), intended to provide temporary

forbearance for unemployed homeowners • Second Lien Modification Program (2MP, expiring Dec. 30), which offers a mechanism for servicers to modify second liens when a homeowner receives a first lien modification through HAMP • Home Affordable Foreclosure Alternatives Program (HAFA, expiring Dec. 30), which grants the opportunity to be relieved of your remaining mortgage debt through a short sale or a deed-in-lieu of foreclosure and provides $10,000 in relocation assistance • Principal Reduction Alternative (PRA, expiring Dec. 31), which assists owners having a loan-to-value ratio exceeding 115 percent “The biggest mistake homeowners who are forced into foreclosure make is waiting too long to take action. There are government programs that can help them,” says Buddy Schilling, president of Austin, Texasheadquartered JBGoodwin REALTORS. “But you can’t wait until the last minute to seek help, and you shouldn’t try to get a lot of equity out of your home if you need to sell it before foreclosure.”

Instead, Shilling suggests, consider lowering the price as low as you can to get the home sold before you are foreclosed on.

September 9, 2016

SMARTER. BOLDER. FASTER.

North Homes Realty Inc. 360.424.2100 • www.century21northhomes.com

Open HOuse: Saturday 1-4PM 4170 Cougar Ln, Bellingham 5 bdrms, 2.75 baths $525,000.

For details & directions visit openhouse.com

Move in ready • Fully fenced yard Close in • 3 bedrooms MLS# 1018884 • $222,950

Nice corner lot • Cozy 3 bdrm RV parking • Great location MLS# 1018949 • $229,500

Nearly 2 acres • Stunning views Shy 2,000 sq. ft. • Beautifully remodeled MLS# 947091 • $390,000

Convenient location • Oversized, deep lot Great starter • 1+ bdrm home MLS# 974063 • $149,950

Granite kitchen • Fenced pasture 1.3 acres • Lg Master suite MLS# 913146 • $449,000

Now could be the time to

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ecord-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 in Real Estate Weekly. weekly

Call 360.416.2180 today!

In print and online

September 9, 2016

RealEstate

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Aaron Fries 360-348-7361 Amy Harrison 360-913-5162 Anita Kohl 360-961-7795 Arlene Vonachen 360-853-6429 Connie Moulaison 360-770-1341 Duane Gish 360-770-9299

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1510140

sell a new home and earn a slice of the real estate pie.

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www.WindermereSkagit.com RESIDENTIAL 9043 Oak Lane, SW $90,000 Nice solid manufactured home in Pressentin Creek on a large lot. This 3 bedroom 2 bath home features a nice sized kitchen, dining room & breakfast nook, living room with fireplace, den/family room, & nice sized carport.

Call Karine Anderson, 421-1189 or Tasha Zahlis, 391-5075 MLS#927187 502 E. Division St, MV $169,000 Charming 3 bed, 1 bath home located close to schools, shopping, & downtown. This home features newer laminate flooring in kitchen, nicely sized laundry room with washer & dryer.

Original built-ins throughout the house provide plenty of storage. Newer furnace, ext paint, & carport. All appliances stay. Fully fenced backyard.

Call Shelby Hagman, 982-0163 MLS#1017442 NE

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1720 Sweet Cicely, SW $182,500 Super clean 2 bed, 1 bath rambler in the Wildflower neighborhood. This is one of the larger models in the Wildflower development, with an attached garage & on a corner lot! New paint & carpet throughout. Open concept floor plan with vaulted ceilings. All yard maintenance is included with the HOA monthly dues.

Call Nathan Loeb, 333-7197 MLS#1025783 24306 Old Day Creek Rd, Clear Lake $239,900 2.5 acre Clear Lake property with expansive lake & territorial views! A 2 bed, 1 bath house, a small barn for a horse or goats, an equipment shop w/separate power meter for your craft or business are some of the property features. This property is fenced & cross-fenced & includes a creek on its eastern border. Small house requires some work but is very solid with some upgrades and is ready for your additions and improvements.

Call Jim Glackin, 428-2828 MLS#1012326

W NE

!

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4526 Shantel St, MV $265,000 Nestled in the desirable Cedar Heights community, this well-maintained home was built in 2012. Your new home features 3 beds, 2.5 baths, open concept family room, dining room, kitchen with granite tile countertops, stainless steel appliances, main floor laundry with 1/2 bath, private, fenced yard that backs up to a greenbelt. 2 car garage.

Call Dawn Hardman, 540-0058 MLS#1025107 6953 Dayna Pl, SW $275,000 Country living close to town. At the end of a dead end street with an open pasture next door & creek on the east side. Well cared for triple wide with 3 beds, 2 baths. 24x56 shop & RV 30 amp power hookup. Park like setting on .75 acre.

Call Becky Elde, 770-9427 MLS#1018313 405 S. 9th Street, MV $320,000 Mid Century Modern home, on nearly 1 acre.

Large family room, formal dining, 2 large beds, den, 2 fireplaces, 2 baths. The retro kitchen maintains its charm with vintage details. Large deck, slate patio, loads of privacy, & 2 car carport. SkagitValleyHomes.com Bill & Jannette Krieger 421-4446/Shawn & Tiffany Danley 360-298-4857 #1004393 MLS#1004393 3713 Portage Lane, ANA $324,900 3 bed, 2 bath condo has recently been updated including Kempas exotic hardwood floors, new paint, & slab granite counter tops. The great room features vaulted ceiling, a gas fireplace, eat in kitchen area, & a sliding glass door to private patio area. SkagitValleyHomes.com Bill & Jannette Krieger 421-4446/Shawn & Tiffany Danley 360-298-4857 MLS#1021858

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109 N. 38th Pl, MV $334,900 4 Bedroom home on 1/3 acre close to everything. New expansive cedar decks upstairs & down just installed.

Great tri-level floor plan has kitchen, dining, & living on main level. 3 beds, including master w/attached .75 bathroom, & a laundry room upstairs. Downstairs are a full bath, huge bedroom, & a rec room area that opens to the huge back yard. Attached garage is oversized.

Call Megan O’Bryan, 708-5817 or Spencer Roozen, 708-0634 MLS#1025177 6818 Gibralter Pl, ANA $529,900 Beautiful home w/a 24x36 2-story shop! The tranquil grounds include 3 recirculating ponds, bird aviaries, a lg. aggregate patio, gazebo, terraced rock walls & stone pathways throughout. Formal living/dining, spacious master, den/office & a family room round out this nice floor plan. Located on a .40 ac lot on a dead-end in the desired Gibralter area. More info at SkagitValleyHomes.com Bill/Jannette Krieger 421-4446/Shawn & Tiffany Danley 360-298-4857 MLS#1010306 9674 Samish Island Rd $699,990 Incredible property! 157 ft of medium bank waterfront. Almost an acre & it includes a darling duplex. Each unit is 1 bed, 1 bath. They have a nice shared laundry room with storage for each unit. Views from the property are amazing.

Call Sarah Minton, 770-3076 MLS#804056 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 17409 Olympic Place, MV $879,000 Over 2.5 acres adjacent to Little Mountain Park for unparalleled privacy. Completely remodeled 4710 SF home w/attached MIL unit. Expansive views—pool, chef’s kitchen, & much more.

Call Jim Glackin, 428-2828 MLS#928978

16708 Britt Rd, MV $1,100,000 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

VACANT LAND 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 12812 East Lake Dr, SW $203,000 One of a kind. Approx. 250 ft. of waterfront on Clear Lake with a view to the west. Breath taking sunsets, boating, fishing, and much more! Over 2 acres with marketable timber.

Call George Bellos, 708-9762 MLS#811395 17958 Best Road, MV $259,000 Beautiful view acreage overlooking the Skagit Valley tulip fields, farm land and mountains. Over 4.5 acres of gentle sloping pasture land with mature trees to the back of the property. Completed soil logs and lot certification, power, water and cable available at the road.

Call Linda Eastman, 202-4075 MLS#924806 16470 State Route 20, MV $450,000 Gorgeous 45+ acre piece of property with Skagit PUD water, existing historic style barn, shop, office, arena, loafing sheds, pasture land, already set up for cattle, horse, or other livestock. This property is in a prime West Mount Vernon location & has been planted over the years in many different crops. Seller says certified organic over past 6 years.

SkagitValleyHomes.com Bill & Jannette Krieger 421-4446/Shawn & Tiffany Danley 360-298-4857 MLS#1011122

Looking for hom For a free WA-CL 713524, OR-ML 5271

Amie Mani | NMLS ID # 404665 | branch manager/M

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

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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

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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

Amie Download my smartph

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

September 9, 2016

www.AnacortesRealEstate.com RESIDENTIAL 1600 5th St #C-125, Anacortes $78,000 Old Town Anchor Cove Marina. 40’ covered slip that will hold a 44’ long boat; 16’ wide, 17’ high; approx. 20’ deep.

120 volt w/30 amp service. Tender storage area, small boat moorage on dock, head pump out cart & wood shop.

Recycling for oil fuel & anti freeze. Amenities include laundry room, library & restrooms w/showers; social area includes BBQ’s & crab cooking station. Full perimeter fence & electronic gate for security; Harbor Master lives on site. Close to restaurants & grocery stores.

Kathy Rogers 360.941.4400 MLS# 949431

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661 Muckleshoot Cir, La Conner $279,000 Stunning wide water view! Spacious home with good bones ready for your decorator touches - priced right to sell in present condition. Enjoy vaulted ceilings, clearstory windows, fireplace. Kitchen has pass-through to dining room with door to large deck. Master bedroom with water view, full bath plus combo guest bath. Main level living with lower level featuring family room with fireplace, 2 more bedrooms, full bath, large shop & storage rooms. Enjoy Shelter Bay amenities, moorage available.

Jackie Stone 360.661.2247 MLS# 1019932 1354 Chinook Wy, Center Island $299,900 Buy this place as your 2nd home and you will never want to leave! Beautiful wood interior, a wall of windows and large open floor plan offer so many choices for decorating and the main floor master with private bath and walk-in closet are perfect for vacationing or year-round living. The generous kitchen with stainless appliances is great for entertaining and DW, W/D will make cleanup a breeze. Filtered water view. Easily accessed from Anacortes... caretaker, clubhouse, DSL, docks and airstrip.

Sarah Jones 360.333.2783 MLS# 962050

me financing? I’m here to help! pre-approval, please contact:

e Mani • 360.428.4626 hone app at: amie.mortgagemapp.com

Mortgage Consultant | WMS Series LLC/Skagit Valley

LAND W !

NE ICE PR

3901 W 6th St, Anacortes $385,000 Solid & beautiful home with a fresh makeover! Fresh paint and flooring!! Corian kitchen counters, stainless steel appliances and a view of the Guemes Channel.

This 4 bedroom home offers ample room to live quite comfortably. Privacy in your large fenced backyard with storage shed. Large professionally engineered deck for BBQ’s and relaxation. This neighborhood is located mid-island. Close to schools and City Centre, but also close to great hiking trails! What a great investment!

Move in ready.

Cheryl Frazier 360.202.4789 MLS# 966607 2505 Bryce Ct, Anacortes $399,500 This highly desirable main level living view home is situated in a quiet cul-de-sac where you can enjoy the views of the sparkling waters of Burrows Bay, the Straight of Juan de Fuca and the snow capped Olympic Mountains.

Floor plan lives big with 4 bdrms and 3 full bths. The back yard features a custom deck, a producing garden and fruit trees. Other features include, newer roof, gas fireplace, custom interior paint, 936 sqft. of garage and a large side yard for potential boat or RV parking.

Paul Weisz 360.391.7281 MLS# 961272 3905 Isle Wy, Anacortes $485,000 Enjoy wonderful, active views of Guemes Channel & San Juans from The Isles. The Isles is a new development that provides quality homes that are low maintenance, energy efficient & ecologically responsible. Custom cabinets of alder, fir wainscoting, cherry floors, slab granite, beautiful tiles, ductless heat pump, surround sound, designer carpet and fixtures are some of the features in this home. Clubhouse, waterfall, outdoor living area and maintained grounds.

Margi Houghton 360.202.0041 MLS# 918368 2318 Hickory Dr, Anacortes $595,000 Spacious one level living in one of Anacortes’ premier developments. 2758 sq. ft. with 3 bedrooms and 2.5 baths on a 17,404 sq. ft. lot in Parkside. Interior features formal living room, office/den, remodeled kitchen with breakfast nook, dining room and family room. Outside features patio with outdoor sound system and is fully landscaped with irrigation system.

John Prosser 360.202.3891 MLS# 966706

10989 Josh Green Ln #4, La Conner $750,000 Rare opportunity to own this one of a kind premier boathouse at the Gateway to the San Juans. Unique & impressive design, the interior well is 85 X 24 and can accommodate up to 92’ yacht or several smaller boats. Top of the line galvanized steel construction, concrete float design, private gangway access, remote control roll-up boat doors plus mezzanine level that can be finished into office or living quarters. Located at the jumping off point to the best cruising waters in the US & Canada.

Debbie Macy 360.391.2422 MLS# 964734 NE

W

!

96 Makah St, Center Island $49,750 Very pretty, extra-large lot with 3BR septic system and water on property. Power in the street.

Ready-to -go with cleared building site and driveway already in. Lovely large cedar and fir trees around the perimeter of the lot provide privacy and give it a park-like feeling.The island is a lovely location for a 2nd home or year-round residence and has full-time caretaker, two deep-water docks, a private airstrip, clubhouse, sports court and easy access to Anacortes by water taxi, boat or plane.

Sarah Jones 360.333.2783 MLS# 901187 356 Stillaguamish Pl, La Conner $59,990 Ready to build your dream home on level lot with underground utilities on quiet dead end street.

Building plans available for single level 1557 square feet, 2 Bedroom plus Den/2 Bath home with 2 car garage. Enjoy Shelter Bay amenities including golf, tennis, beach, swimming pools, tennis courts, & marina. Moorage available!

Jackie Stone 360.661.2247 MLS# 747317

10134 Halloran Road, Bow $814,000 Live the Samish Island Lifestyle! This estate home sits on a shy 2 Ac with 180 degree panorama view of Padilla Bay & Islands beyond. Classic traditional home offers spacious floor plan with gracious rooms & living space.

Large adjoining Living-Dining offers plenty of room to entertain all your ‘Island Guests’! Walls of windows and French doors bring in loads of natural light and the incredible views...Bonus of salt air! 835 FT of community waterfront offers easy crabbing and clamming.

Leigh Zwicker 360.333.9975 MLS# 1019768 1 Trump Island, Decatur Island $7,750,000 Custom Build Luxury Estate on Private Island, enjoy your own Forests, Farm & Ocean Fronts. Located in the San Juan’s this 29 Acre Island captures the iconic beauty of the beautiful Pacific NW. 360 degrees of water & forest views. 4230’ saltwater frontage w-tidelands.

Architectural excellence w-contemporary design, superior quality & top of the line finishes throughout makes this a truly SPECTACULAR home. Completely self-sustained environment. Power & Water. Caretakers Cottage & Dock!

Leigh Zwicker 360.333.9975 MLS# 648615

128 Lummi Cir, La Conner $229,000 Desirable waterfront level lot with one side of 40’ dock that will accommodate up to a 44’ boat!

Well situated on a quiet street that circles around a small park. Underground utilities with water, electricity & sewer at lot. Enjoy Shelter Bay Community yacht club, marina, 9 hole par 3 golf, swimming pools, tennis courts, & two community beaches. Located in a beautiful community just across the Rainbow bridge near the picturesque waterfront town of La Conner.

Jackie Stone 360.661.2247 MLS# 917254 3708 Leeward Lane, Anacortes $479,000 Part of the unrivaled collection of 10 customcontemporary water’s edge lots to be built on

by Strandberg Construction. Perched above the Guemes Channel Trail with access just a moment away, enjoy panoramic views of the dynamic boating activity & the surrounding San Juan Islands.

Lush landscaping, a fenced buffer & a private gated entry create this delightful neighborhood.

Colleen Craig 360.770.9638 MLS# 867546

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

September 9, 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

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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 1508918

7

Goodbye, Mortgage Insurance Question:

I financed my home with a conventional loan in 2013 and it now costs me $110 a month for mortgage insurance, a cost I want to drop. I have an 800 credit score, I’ve never had a late payment and my interest rate is now at 4.75 percent. How can I get rid of the mortgage insurance.

Answer:

According to Freddie Mac, the average mortgage rate in 2013 was 3.98 percent, so your interest level seems high for that year and it’s certainly high for today – as of early July fixed-rate loans were priced at roughly 3.4 percent.

You have a high credit score but by any chance was your score lower three years ago? That may account for your current interest rate.

You were required to obtain mortgage insurance because you financed with less than 20 percent down. Now, three years later, your mortgage balance should be lower because of amortization

and likely you have more equity because home prices have generally risen around the country.

There are several basic ways to cancel mortgage insurance for a conventional loan in your situation.

First, you can ask the lender to end your coverage once the loan balance reaches 80 percent of the original debt.

Second, the lender in most cases is required to end mortgage insurance once the loan balances falls to 78 percent of the initial debt. However, if you just make your monthly payments it will take a very long time to reach the 78 percent level: about 11 years with your interest rate.

Third, ask the lender if mortgage insurance will be removed if you pay down the mortgage with a big cash infusion. However, given your interest rate this may not be a good option.

Fourth, you might want to consider a refinance, especially if you expect to keep the new loan for many years. Given additional equity and less debt, you might qualify for financing without mortgage insurance. Not only that, your monthly cost for principal and interest will shrink substantially with a new and lower mortgage rate.

Let’s say you have a $200,000 loan. At 4.75 percent your monthly cost for principal and

interest is $1,043 a month. After three years the loan balance has been reduced to $190,285.

If you refinanced $190,285 over 25 years at 3.4 percent your new payment for principal and interest would be $942. With a lower rate and no mortgage insurance you’ll save about $210 a month.

Why 25 years and not 30? Because a new 30-year mortgage will give you a lower payment ($844 a month) but also a longer loan term. With the shorter loan you will reduce your potential interest cost from $92,477 for 20 years versus $113,512 for 30 years. Of course, if monthly income is an issue then you may want to consider the 30-year option.

Lastly, you have to shop for rates and terms.

Speak with your lender, but also speak with other lenders. Get specifics and details and let them fight for your business.

525 East College Way, Suite J

22397 Bulson Road Mount Vernon Directions: From I-5 exit #221, East on Hwy. 534, Right (south) on Bulson Road.

SIMPLY GORGEOUS CONWAY EQUESTRIAN DELIGHT! Meticulously maintained inside and

Mount Vernon, WA 98273

Tel. (360) 416-4902

www.npsar.realtor

Best Remodeling Projects Depend on Future Tenure

Hosted by Jan Scally, 360.421.5160 & Kristen Tuttle, Brown McMillen Real Estate

8

By Peter G. Miller

NORTH PUGET SOUND ASSOCIATION of REALTORS®

Saturday, September 10th, 1pm-3pm

Tackling remodeling projects is a huge part of homeownership.

Once settled in a new home, it’s common to make a list of all the projects you’d want to take on in the future, whether tomorrow or in five years. Homeowners may also be looking to tackle some projects when considering selling their place. According to a new study by the National Association of REALTORS®, the type of project you should consider depends on just that—whether you plan to enjoy the finished product yourself or make it more appealing to buyers.

For example, REALTORS® ranked the addition of a bathroom, a complete kitchen renovation, a new master suite, new fiber-cement siding, a new front door, and new roofing as projects that brought the most personal joy to homeowners. Yet projects with the highest cost recovered upon selling were hardwood flooring refinish, an insulation upgrade, new wood flooring, new roofing, a new garage door and new vinyl siding. http://buyandsell.houselogic.com

1514728

out, this extraordinary craftsman home on 5 acres is designed for luxury living. All the whistles and bells including granite counters, beautiful hickory hardwood floors, central vac, stainless steel appliances. There are two master suites one on each floor, 4 bedrooms, 5 bathrooms, two family rooms, sitting room, breakfast room and fabulous in ground heated pool!! Acreage is fenced and cross fenced, barn includes 3 stalls, shop, stable. Many more custom features through out! #978235 $860,000

ASK OUR BROKER

1508808

OPEN HOUSE

Q& A

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.

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September 9, 2016

Mortgage Terms: What You See Should Be What You Get

S

urprises can be delightful… but not when you’re borrowing money.

In the post-mortem of the foreclosure crisis, experts examined why many homeowners were caught off guard by terms in their mortgage contract, like a sudden hike in the interest rate.

Since late last year, new procedures dubbed “Know Before You Owe” for disclosing mortgage terms were mandated by the federal Consumer Financial Protection Bureau (CFPB).

Here, a look at how those disclosures are working, now that they’ve been in place for several months:

A first look at costs The first of two disclosures, the “Loan Estimate” is required to be given to customers within three business days their formal

September 9, 2016

mortgage application.

This three page document seems straight-forward to many borrowers who “understand that the estimate is a preliminary document,” notes Melissa Murphy, senior vice president for Attorney’s Title Fund Services, Orlando, Florida.

Listing a series of mortgagerelated costs, like the interest rate, whether the rate is fixed or variable, and the estimated cash needed for closing, the figures in the Loan Estimate should be near those in the Closing Disclosure, which must arrive in borrowers’ hands three days before the loan closings.

A more detailed view of real charges The five-page Closing Disclosure lists fees than the estimate, including the fees seller or buyer pays, and fees

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from different providers, like local taxing bodies and title companies.

If a borrower needs a correction or explanation, “It requires a significant increase in communication between the lender, the settlement agent and the borrower,” Murphy says.

E-documents speed delivery When the new disclosures went into effect, there were reports of closing delays, because of difficulties getting the disclosure in the hands of borrowers.

Now, however, Murphy and other experts say delays are less frequent.

Often, the documents are sent electronically, eliminating the need for snail mail or hand deliveries.

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3610 MOHAWK, MOUNT VERNON

$340,000

OPEN HOUSE • Saturday, September 10th • 10am - 11am & 3pm - 4pm

1009 CHiPPEWA ST, MOUNT VERNON

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 Danya Wolf expansive Deck. MLS #928931 360-708-8294

17714 KiNgFiSHER COVE lANE, Big lAKE

$950,000

360-708-8294

20820 W JORDAN RD, BURliNgTON

Waterfront home with 75 ft. of Big Lake frontage with private dock! Custom built Spanish style home with gorgeous entry and sweeping staircase up to luxurious master suite offering incredible walk-in closet and private deck. Home features kitchen with granite and sub-zero refrigerator; radiant heat; skylights; vaulted ceilings; built in vac; rec room and a bonus/storage room on lower level. Fantastic views to be enjoyed from choice of 3 decks!

Near Golf course. Danya Wolf Carla Fischer MLS #1007986 360-708-8294 360-982-0010

18238 CAPET ZAlSilUCE RD, lACONNER

$275,000

Danya Wolf

310 N REED ST, SEDRO-WOOllEy

360-708-8294

$169,000 13813 STATE ROUT 9, MOUNT VERNON $239,000 1804 BAKERViEW COURT, EAglEMONT

Great building site and investment over 1 acre possibly 3+ duplex building lots R7 zoning. Close to town Elva Hunter and schools. Paved street. 360-202-3086 MLS #950851

Beautiful view property, ready for you to build your Carla Fischer Celia Miller dream home. PUD 360-982-0010 360-391-6065 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 into property. I-5 minutes away.

Watch for signage. MLS #1014931

$165,000

Mount Baker view from one of the premier large lots (10,972 Sq. Ft) in beautiful Eaglemont! Builder/ John Hunter Owner will build for you or bring 360-202-3854 your own builder! 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

$189,500 Move-in ready, three bedroom/ 1.75 bath one level home located in desirable Burlington school district.

Designer paint choices, massive master 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. Danya Wolf MLS #952310 360-708-8294

21227 FRANCiS RD, MOUNT VERNON

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

NEW PRICE

$365,000 Beautiful 2250 sq. ft., 4 bed/3 bath home in desirable location on the hill in Mount Vernon.

Home offers spacious open main floor living with French doors to large covered deck.

Upstairs bath features jetted tub. 2 Master Suites! Stunning kitchen with SS appliances and granite countertops! Large family room. New furnace in November 2015.

Fenced, treed and landscaped 3/10 acre lot. Features 2 car garage and paved gated RV/ Boat parking. Danya Wolf MLS #940146

NEW PRICE

$268,000 Horse haven! 1 plus acre; fenced; small barn, 3 bedroom home with ductless heater; propane stove; country kitchen; mostly vinyl windows; newer carpeting in living room; hardwood flooring; and linoleum.

Remodeled bath with granite and tile.

Decking to patio; double carport with 6 feet by 18 feet storage building. Asian pear, pear, and cherry trees! View of eagle’s nest; and sometimes of eagles. Shaded area for relaxing with an afternoon iced tea. 1.2 acres less road.

MLS #1015160 Danya Wolf

360-708-8294

5798 JENNiFER lANE

Carla Fischer

360-982-0010

$385,000 Large Triple-wide Manufactured home on 5plus acres. Newer hardwood floors and carpeting.

Garage with extra room. Gated community for privacy and security.

Beautiful, sweeping land views.

Minutes to I-5.

MLS #1025330 Suzanne Jenkins

360-941-2983

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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September 9, 2016