Real Estate Weekly | May 6, 2016

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

INSIDE RE-Weekly This Issue

MORTGAGES: FHA LOANS:

P. 4

Q & A: ASK OUR BROKER P. 5

5 THINGS TO DO WHEN THERE’S TROUBLE PAYING THE MORTGAGE P. 8

FEATURE HOME: 219 U Avenue, Anacortes

SEE PAGE 3 FOR MORE

Debbie Macy, Windermere RE Anacortes

RealEstate weekly

A supplement to the Skagit Valley Herald and the Anacortes American

$695,000 360.391.2422

CLASSIFIEDS P. 1011

FEB. 6 5 MAY FEB. 12, 11, 2016 MAY

Re-Weekly content sponsored by: Northwest Fine Furnishings

PAGE

TABLE OF CONTENTS

8

Mortgages: FHA Loans: P. 4 Q & A: Ask Our Broker P. 5

Live Edge benches Swivel bar stools Funky black cabinets Cheval mirrors Wooden logging truck toys More kitchen chairs Nautical coat hooks Mon-Sat 9:30 - 5:30 pm • Sun 11 - 4 pm (360) 424-8455 • www.nwff.com 919 Riverside Drive, Mount Vernon

5 things to do when there’s trouble paying the mortgage P. 8 Classifieds P. 10-11

RE-Weekly.com SKAGIT PUBLISHING

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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 N CA VA

OPEN HOUSE SAT. MAY 7TH 1-3PM 303 Coates Lane, Sedro-Woolley $245,000 Dir: From Hwy 20, North on Murdock and East on Coates. Fantastic location on quiet cul-de-sac. 3 BR, 1.75 BA. Unfinished bonus area ready for your ideas!

Fenced yard and covered patio. RV parking. Outside sprinkler system. MLS #919474 Call Elizabeth, 708-8800

W NE

Mount Vernon $105,000 Two 1.12 acre fairly flat side by side parcels each sold separately. Views of Big Lake. Water & power at street.

Sewer or septic allowed. No CCR’s! MLS #909750 & MLS #909813 Call Ivana, 770-3550

Sedro-Woolley $124,950 4.71-acre lot. 1040 SF shop. 621 SF carport. Good producing well installed. Located 10 minutes north of Sedro-Woolley. Private area. MLS #916222 Call Ron, 333-1045

G TIN LIS

Wilma Louia Designated Broker/Owner 661-1631

Mount Vernon $255,000 2 BR, 1.75 BA rambler. Located in quiet location. Easy commute; minutes from I-5. Outside cellar to store canned goods w/smoker. Maddox Creek runs through the property. Garage w/attached room could be 3rd BR or office. Apple trees & garden spots. MLS #859850 Call Wilma, 661-1631

GRAND OPENING & RIBBON CUTTING

Burlington $329,950 Updated home on Fairway in Country Club. 3 BR, 2 ½ Baths, 1648 SF. A chef’s dream kitchen. 2 masters – 1 on main, 1 upstairs. Fr. Door to spacious deck – views.

Private, dead end St. – cul-de-sac. MLS #935844 Call Charlie, 708-1415 or Jeannie, 708-9645

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OPEN HOUSE SAT. MAY 7TH 1-3PM 14255 Hillwood Drive, Bow $549,000 Dir: I-5 exit Chuckanut Dr, South on Josh Wilson Rd, North on Farm to Market to Hillwood Drive. 5 BR, 4.5 BA, 2205 SF home. 3.7 acres. Open floor plan. Updated appliances. 2 car attached garage. Hot tub & swim spa.

View of Samish Bay. Some marketable trees.

MLS #923858 Call Wilma, 661-1631

D AN TL N CA VA

Charlie & Jeannie Boon 708-9645

Jim Stransky 708-1681

Mount Vernon $475,000 Clear Lk. Home on 5 acres – private. 2769 sf, 3 BR + office + craft rm, 3 BA. Built in 2006, Master on Main.

Gourmet kit w/high-end appl. Brazilian cherry floors + Travertine. 3 car attached gar. - insulated. MLS #913278 Call Charlie, 708-1415 or Jeannie, 708-9645

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Mount Vernon $559,950 This is lake living! 60 feet of water frontage. Large 3 BR, 2.75 BA house. In floor heating thru-out. Central vacuuming, security system, AC & more. Huge 3 car garage w/11 foot doors. MLS #770016 Call Corinne, 202-2397

Ivana Wood 770-3550

Mike Welling 540-1341

Debbie Benjamin 708-8780

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Corinne Cartwright 202-2397

Join us on Thursday, May 12th from 4:00 pm - 6:00 pm at our 2nd location at 2025 Riverside Drive, Mount Vernon.

Maggie deSouza 610-8413

Ayla Contois 610-1652

Jennifer Baker 220-1526

Willa Gilquist 253-318-6131

Luara Kaestner 441-5099

Traci Erickson Property Manager 755-5555

May 6, 2016

FEATURE HOME FROM COVER: 219 U AVENUE, ANACORTES Windermere Real Estate/Anacortes 219 U Avenue Anacortes, WA 360.391.2422 www.AnacortesRealEstate.com

RE-Weekly.com

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

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

VIEWS OF BIG LAKE.. 4 Br., 2.5 Ba. Home in Nookachamp Hills. Formal dining rm., Family room, lg Master. Sprinkler system & dual water tanks. A must see! $449,900. #933400

NEWER SEDRO WOOLLEY HOME..on 4.5 acres,. VERY NICE..like new home, walking distance to daylight basement, spacious master suite & granite La Conner. 3Br,2 Ba. just over 1100 sf.. New intekitchen. 2 Br. downstairs, full Ba., 3 bay enclosed garage rior paint & heating system. # 914922 $149,000 & wild life pond. A Must See!! $414,500. #898498

SAMISH ISLAND.. Private 1 ac setting w/spacious home & 2100sf shop. 1 1/2 story w/wrap around porch, newer kitchen w/tile floor, lots of natural light, great views. $585,000. #891540 BURLINGTON IN TOWN LOT..bring builder, lot complete w/engineering & 1800 sf plan approved.

Convenient to town, schools & I-5. $59,000 READY TO BUILD? Very nice .41 ac level bldg lot in city limits, utilities in street w/only a lot line adjustment, could be turned into 2 lots. $64,900. #576834 ATTENTION BUILDERS.. two acres zoned R-2 ready to be developed. Potential for 8 or 9 lot subdivision with utilities in street. Convenient to town. $585,000. #772211

LARGE MOUNT VERNON LOT!..edge of town living off Francis Rd., .32 ac lot has Sound and Island views to enjoy with your new home. $78,000. #709836 OUTSTANDING BLDG LOT.. across the street from Regence Blue Shield. Great site for clinic or any professional use. Lot is 164X210, sewer, water is in.$415,000. #178973 DREAM HOME SETTING..Full acre of level pastureland w/views of mtns surrounding Big Lake. Fronts on paved street has PUD water & electric available. $150,000 #927385 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

Yvonne Brown Jodi Dynes Galen Kindred Holly Hilts

May 6, 2016

840-4375 333-7783 770-7083 661-5538

Debbie Macy 360.391.2422

Custom water view home on Cap Sante. Enjoy marine views, marine activity on the Guemes Channel and spectacular sunsets. Walk to restaurants, shops, beaches and the Marina. Private, covered deck for entertaining, enjoying views and sunsets. Open Kitchen, Dining, and Living rooms with wonderful marine and garden views.

Landscaping creates privacy.

Luxurious Master Suite with deck, sitting area and views. M. Bath with shower, sauna and soaking tub. Lots of storage; large shop in detached garage. MLS #927916

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

360.757.6013 800.869.7084

$695,000

Jeff Ingman Shelah Inman Kristen Tuttle Fritz Inman

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

BUILD YOUR DREAM HOME..gently sloped 1.7 acre lot w/lake & mtn views. Choose your plans & build.

Utilities in street. $120,000. #700679 HIGH QUALITY HOME…They don’t come any better than this 4 bed, 4.5 bath home. Excellent condition, extensive quality landscaping, great location!

MLS#924967 $535,000 ATTENTION BUILDERS..We have 31 lots available with all utilities stubbed to each lot. Beautiful setting near Big Lake, priced from $84,000-$145,000. #746424 thru # 746695 FULL ACRE BLDG. LOT..nice view setting near Big Lake with several other new homes nearby. Has approved bldg. Permit & public water available. $127,900. #907256

Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

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

WELL DESIGNED..lg home in country setting on over 1 ac.. Floor plan features a country kitchen, mstr suite w/ soaking tub & f/place, exercise rm overlooking lg yard & extensive deck. $917178 OFFICE SPACE FOR RENT.. Use this space for your office, massage therapy or other wellness service. 132 sq. ft. for rent in great Burlington location. Rent $350 #891457 SPACE FOR RENT..Make this 480 sq. ft. place work for your business. Updated with security & parking. Some utilities paid. Rent $950 # 891442 LAKE CAVANAUGH-NO BANK WATERFRONT..

Gorgeous views from charming home beautiful wood floors, wood vaulted ceilings. Spacious kitchen, lg deck, outdoor frpl & your own dock. $725,000. #810568

Terri Heyntsen Tod LeHecka Jan Scally David Parsons

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

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Mortgages: FHA Loans:

Why more borrowers are resetting their loans at potentially lower rates and converting equity into cash “How did you find a lender to give you a mortgage?”

loans. Until it does, struggling borrowers may have to look beyond big banks to nonbank alternative lenders.

Among the options: • Nonbanks: Nonbank lenders such as Loan Depot, n the years of stringent which don’t take savings lending since the 2008 deposits from consumers, have financial crisis, eager been energetically originating buyers with limited down FHA loans. FHA loan hopefuls payment money or less than with lower scores may find pristine credit have had good success with a nonbank lender, reason to probe about sources says Karan Kaul of the Urban for an affordable mortgage.

Institute.

Lending tightened • Credit Unions: These unexpectedly last fall, when the not-for-profit organizations Federal Housing Administration originated nearly 8 percent of began levying steep finds on big U.S. mortgages last year, three banks that made underwriting times the credit union share errors during the mortgage reported in 2007, according process. to the Mortgage Bankers As a result, J.P. Morgan Chase Association. & Co. and Bank of America Corp. percent and a credit score as low as 580 on • Community banks: “We pulled back dramatically from issuing a scale of 300 to 850. advise that borrowers look locally,” says government-backed FHA mortgages and New rules in 2015 cut the upfront fee Wells Fargo & Co. raised its minimum required on FHA loans amount to .5 percent Gumbinger. “Lots of community-based credit score on these affordable loans of the amount borrowed from 1.75 percent, lenders do FHA.” FHA-alternatives are popping up at big from 600 to 640. promising to make the loan even more banks, too. In February, Bank of America FHA insures loans for first-time popular, observes Keith Gumbinger, vice launched a new mortgage product to homebuyers and homebuyers with lower president of mortgage data site HSH.com. compete with FHA-backed loans that lets credit scores who might not otherwise The federal housing agency now says some borrowers get mortgages with as qualify for a loan. FHA-backed loans it will soften some of the penalties that require a down payment of as little as 3.5 prompted the banks to back away from FHA little as 3 percent down payment.

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RE-Weekly.com

May 6, 2016

Big Bucks, Better FICO Score?

Question: We were talking to a lender about possible mortgage choices. He mentioned several programs that were reserved for people with high credit scores.

Why is it that the rich have access to such programs but not the middle class?

Answer: It’s easy to equate a high credit score with high income but there’s no correlation. When it comes to credit scores, income is not even a factor. Wealth – by itself – does not matter.

Credit score pioneer Fair Isaac Corp., a software company based in San Jose, California (see MyFico. com), invented the credit risk score, or FICO score.

The score, often used by lenders to determine which consumers qualify for mortgages, is based on five factors, each weighed differently: 1. Payment history (35 percent of the score):

May 6, 2016

Do you consistently pay your bills in full and on time?

2. Debt (30 percent): When is a given level of debt too much? One way to tell is to look at your available credit balances and compare them with what you actually owe. This is your credit utilization ratio. The smaller the ratio, the better.

Another consideration is whether credit card accounts are maxed out.

3. Credit history (15 percent): Longer credit histories make it easier to understand how well you use your credit over time. Accounts open an average of five years carry more weight than accounts with a four-month average.

4. New credit (10 percent): How well do you control the number of credit accounts you open and how much debt you add? Be choosey and disciplined about the credit accounts you open. Multiple inquiries from lenders for your credit score in a short period of time can bring down your score.

5. Credit mix (10 percent): The scoring system likes to see a mix of credit use: some revolving credit such as credit cards and some installment credit including, perhaps, a car loan.

RE-Weekly.com

Q&A

ASK OUR BROKER

By Peter G. Miller

The Federal Reserve said that in February Americans had $937 billion in revolving debt and $2.6 trillion in installment debt, including loans for mobile homes, education, boats, trailers or vacations.

These five factors do not directly involve income. It is perfectly possible for someone with an entry-level job and a good credit payment history to have a higher credit score than the richest person in town.

What credit scores really tell us in not who is rich but who is financially responsible. They’re not a measure of how much you earn, but how you use your money.

When a lender wants a high credit score in order to originate a mortgage, all it’s saying is that it wants to deal with borrowers who are most likely to repay their debts.

In turn, because such borrowers represent less risk, the lender will compete for their attention by offering lower rates.

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www.WindermereSkagit.com RESIDENTIAL W NE

914 S. 20th Street, MV $199,900 Great first-time buyer opportunity! Convenient location, nice big grassy yard w/beautiful maple trees, roses, window boxes, space for a garden & shed. 3 full bedrooms plus large bonus room for home office.

New vinyl flooring, interior paint, wall heaters, & cedar fencing. More info at SkagitValleyHomes.com.

Bill & Jannette Krieger 421-4446/Shawn & Tiffany Danley 360-298-4857 MLS# 933235 4611 Nooksack Loop, MV $279,000 Well maintained 1 owner home. Open concept features hardwood entry & kitchen, island w/eating bar, stainless steel appliances, large laundry/pantry.

Living room with corner gas fireplace, white millwork & doors. Upstairs has huge loft/family room, 3 beds, 2 baths. Wired for surround sound. Rear yard is beautiful-fully fenced, backs to a greenbelt for privacy & features mature landscaping, garden shed & lovely oversized.

Call Jamie Yantis, 540-5264 MLS# 930931 NE

17995 W. Big Lake Blvd, MV $447,900 NO BANK WATERFRONT, 140 feet of Big Lake frontage offering spectacular lake, mountain & golf course views. Approx. 512 SF. dock, lg. detached 3/4 bath house, RV parking. Over 1400 SF of living space, 3 beds. Beautiful cabinets with a Murphy bed can be used as an office or guest bedroom. Open floor plan.

Call Linda Eastman, 202-4075 MLS# 890619 4711 Parkview Lane, MV $469,900 4 bedroom quality built home offers specialty millwork, chair railing & crown molding. A perfect butler’s pantry, formal dining room & great room off a designer kitchen. Private den with French doors, huge family/bonus room, high ceilings & over 2800 SF. Manicured yard, 3 car garage & 2 great patios for entertaining.

Call Linda Eastman, 202-4075 MLS# 926801 NE

29772 Lyman Hamilton Rd, SW $335,000 A perfectly designed open floor plan with wood floors, vaulted ceilings, decorative pendant lighting, eating bar & dining areas. Large master suite along with 2 additional spacious beds. A cozy wood stove & propane F/A furnace, updated throughout & situated on over 1.5 acres. Detached RV garage & shop, access to 112’ of waterfront on Minkler Lake at the back of the property.

Call Linda Eastman, 202-4075 MLS#935483 2400 N. Laventure Rd, MV $380,000 Great Buy! This property is beautiful and large.

Located inside the city, but very private at the end of a long driveway, this 2.2 acre property has large trees, open space and lots of room to play. Home has 4 bedrooms.

Call April Axthelm, 661-4947 MLS #883055

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

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

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

2107 Minnesota Ave, ANA $799,000 Stunning contemporary architecture warmed with fine wood & details. 3 beds, 2.5 baths, 2,882 SF. Home was designed to tae advantage of the 180 degree water views from the living room, kitchen, & master bedroom. The large private terrace. Radiant floor heat, chefs kitchen. Call Deborah McNeal, 707-8073 or Becky Elde 770-9427 MLS# 923115

List with us and your home will be featured… everywhere.

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6225 261st St NW, Stanwood $475,000 A rare, adorable, turn of the century farmhouse nestled on nearly 7 acres of pristine pastureland with fully functioning outbuildings & barns. This solidly built home is centrally located, minutes from the heart of Stanwood, & the I-5 corridor. The house has been tastefully updated keeping its original feel & look. It offers original hardwood floors, 2 full baths & 4 beds.

Call Spencer Roozen, 708-0634 MLS# 933748

W

3801 W. 12th, ANA $765,000 Beautiful Home with stunning views. Desired Rock Ridge neighborhood. 3024 SF, 4 beds, 3.5 baths. Open floor plan; 2 story wall of windows. Cooks kitchen; granite, gas stove top, SS app, & walk-in pantry. With decks & patios encircling. Formal dining & informal eating area. Guest suite is on main level.

Call Bette Thompson, 840-5109 MLS# 929219

W NE

14394 Roadrunner Lane, Burl $712,000 Gorgeous 4 bedroom home offering a lavish master suite with a gas fireplace, formal dining, living & great rooms both have fireplaces. Designer kit w/ slab granite & full height back splash, s/s appliances, double ovens, bar & eating space. Soaring ceilings, chair rail accent & crown moulding, hardwood floors, bonus room. Over 3,340 SF situated at the end of a cul de sac on 1.25 acres, 3 car garage, detached heated RV gar & work shop with a loft.

Call Linda Eastman, 202-4075 MLS# 912513 NE

W NE

3814 Moody Ct, MV $515,000 Immaculate, contemporary elegance abounds in this beautifully appointed Edgemoor home. Minutes from Eaglemont, shopping & services. Updated open concept kitchen features granite counter tops, eating bar, & dual fuel range/oven. Upstairs you will find 4 bedrooms including the spacious master suite with huge 6 piece master bath, travertine tile & dual walk in closets. A covered patio & hot tub compliment the perfectly manicured yard.

Call Nathan Loeb, 333-7197 MLS# 932226

W

18192 Peregrine Lane, MV $748,959 Stunning views from every room of this architecturally-designed Cascade Ridge home.

Main level living including master suite w/his & hers walk-in closets, built-in office area. Kitchen made for entertaining, w/direct access to the covered deck, & majestic views over the Valley, out to Skagit Bay, Fir, Camano, & Whidbey Islands, & the Olympics. The daylight basement is a mother-in-law unit or self-contained guest apartment w/its own kitchen & private patio.

Call Megan O’Bryan, 708-5817 MLS# 931537

NE

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17160 Dike Rd, MV $860,000 Beautiful 4,193 SF home on 4+ acres located in the peaceful farmlands of Skagit Valley. 3 car attached garage, 1200 SF shop with office space. House has granite counter tops, travertine tile, granite & wood floors. High ceilings, big windows for lots of light, 23 seat theater, 3 beds, & 2.75 baths. Large covered porches. Huge yard & greenhouse. Recreational riverfront acreage.

Call April Axthelm, 661-4947 MLS# 933786

Looking for hom

For a free pr 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 Dave Patterson David Mani

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360-661-4947 360-421-4111 360-770-9427 360-840-5109 360-421-4446 360-708-5030 425-319-7091

Dawn Hardman Deborah McNeal Dick Nord Don Neill Donna Rowell Elizabeth Miller George Bellos

360-540-0058 360-707-8073 360-661-6529 360-420-4444 360-708-7984 360-420-3607 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 360-428-2828

Jim Koetje Josh Scott Karen Beckner Karine Anderson Linda Eastman Margy Furst Megan O’Bryan

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360-202-2500 360-708-1010 360-840-9455 360-421-1189 360-202-4075 360-488-3458 360-708-5817

Nathan Loeb Rita Ingram Sarah Minton Shawn Danley Shelby Hagman Sherry Johansen Spencer Roozen

Amie M Download my smartph

360-333-7197 360-708-8338 360-770-3076 360-488-3858 360-982-0163 360-708-3636 360-708-0634

Tahlia Honea Tasha Zahlis Tiffany Danley Travis Miller Warren Bingham

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

May 6, 2016

www.AnacortesRealEstate.com

W NE

W NE

4002 Oakes Ave, Anacortes $1,595,000 Sweeping front-row views of the beautiful San Juan Islands & exquisite amenities make this Northwest contemporary estate home a true masterpiece.

Distinctive finishes & dramatic views from every room; Gourmet kitchen w/built in Italian pizza oven, master suite with lavish bath, sauna & a private sundappled relaxation area, elevator & so much more. A king-sized shy 1.5 acre lot above the Guemes Channel is steps to the trail and waterfront. 9 car garage has bay doors to accommodate a boat/RV. Colleen Craig 360.770.9638 MLS# 932797 NE

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W NE

3903 Isle Wy, Anacortes $449,000 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. This one level rambler is 1437 SF with custom cabinets, 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# 928784 W NE

2604 R Ave, Anacortes $335,000 Terrific opportunity! Duplex with a view. Great income property or live downstairs and let the upstairs provide cash flow! This house has been completely remodeled down to the studs. All new interiors! Beautiful updated kitchens w/new tile, SS appliances & quartz counters. Baths have new tile floors & surrounds. The house was put on a new foundation. Other improvements incl. insulation between floors (for sound) crawl & attic. New plumbing, electrical and gas furnace.

Kristi Gabrielse 360.420.3119 MLS# 916880

me financing? I’m here to help!

re-approval, please contact:

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

Mortgage Consultant | WMS Series LLC/Skagit Valley

910 Harris Ave #201, Bellingham $234,900 There is so much to enjoy about this adorable condo in the heart of Fairhaven. Walk to everything you could need, restaurants, library, parks and groceries are just steps away. This 1 bedroom condo would be perfect for a weekend getaway or full time living.

Rebecca Chamberlain 360.421.5021 MLS# 930536 NE

9117 Molly Ln #A-106, Anacortes $159,000 Terrific location on Hwy 20 behind Jerry Smith Automotive. Great storage space 25x60 feet with 14ft overhead door and man door. Insulated window for light and overhead gas heater for warmth. Easy access with 60 ft turn radius.

Bill Robillard 360.770.4707 MLS# 932864

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96 Makah St, Center Isl $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

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4110 152nd St SW, Lynnwood $349,000 Investors!! The current zoning of this property is R-8, The comp plan however would allow a rezone to MR (multi-family residential) Under current zoning the R-8400 would allow for 3 lots on this property.

Could possibly put up to 11 units with rezone. Value in the land!

Rebecca Chamberlain 360.421.5021 MLS# 928927

641 Decatur Head Dr, Decatur Isl $239,000 Always wanted to own a country store? A wonderful opportunity awaits you on Decatur Island to purchase a great property with all kinds of potential.... 2.4 acres, retail store and deli, 700sf studio apartment, small cottage, 3 sheds, greenhouse and 16x16 detached garage. A vacation home destination for numerous Seattle professionals, Decatur Island is a short water taxi ride from Anacortes and a beautiful place to call “home”. Great location on main road in the center of the island. DSL Sarah Jones 360.333.2783 MLS# 702250

423 Armitage Rd, Decatur Isl $225,000 A wonderful sunny and private location for your mini-farm or island hideaway. Home is very charming with wood floors and trim, cozy wood stove, great bath w/jetted tub and separate shower and a gracious covered porch. Includes an amazing 36x48 shop, with 220 amp svc, heated floors, F/A heat, finished walls and also a 14x48 carport. Decatur Island is a short water taxi ride from Anacortes and property has access to a deep water dock, private airstrip and 10 acre waterfront park. DSL available.

Sarah Jones 360.333.2783 MLS# 795950 NSN 18th St, Mount Vernon $299,000 19,000 Square Feet level building lot. Zoning for Professional Building. Will build to suit. Will look at a trade.

Rick Bennnet 202.2630 / Buzz Ely 202.4626 MLS# 584818 Leeward Landing, Anacortes $479,000-$509,000 Part of the unrivaled collection of 10 customcontemporary water’s edge lots to be built on by Strandberg Construction. Perched above the Guemes Chanel Trail with access just a moment away, enjoy panoramic views of the dynamic boating activity & surrounding San Juan Islands. Lush landscaping, a fenced buffer & a private gated entry create this delightful neighborhood.

Colleen Craig 360.770.9638 4006 Oakes Ave, Anacortes $495,000 A king-sized water’s edge lot on the enchanting Gumes Chanel. Intriguing views of this dynamic shipping chanel include tugs and tankers, pleasure boats and wildlife all poised against a backdrop of the surrounding San Juan Islands. Boasting over 1/2 an acre of land, this lot is the perfect place to create your custom home to include sweeping views of one of the most beautiful places on earth!

Colleen Craig 360.770.9638 MLS# 701875 356 Stillagumish Pl, La Conner $59,990 Ready to build your dream home on level lot with underground utilities on quit 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

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 Christine Cleland-McGrath 360-708-0267 Cheryl Frazier 360-202-4789

May 6, 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

7

5 Things to Do When There’s Trouble Paying the Mortgage Late with a mortgage payment? Act quickly to regain your footing. Here’s how...

O

verall, the U.S. housing market is well on its way to pre-2008 health. In February 2016, there were 98,121 U.S. properties with foreclosure filings. That is down four percent from a year ago and significantly lower than the 367,000 figure during the peak of the housing crisis in March 2010, according to data from real estate information company RealtyTrac.

Still, despite an overall nationwide decrease in foreclosures, states such as Massachusetts, Missouri and New Jersey still saw increases.

“For some states, particularly in the Northeast, we’re seeing foreclosure activity rising rather than falling,” explains Daren Blomquist, senior vice president at RealtyTrac. “The very lengthy process of completing foreclosure has enabled the foreclosure pain to linger in those markets.”

If you are currently experiencing or anticipating a struggle making mortgage payments, the key is to be proactive.

Here are five options for productive action.

Examine Your Budget Financial struggles originate from a variety of woes: illness, disability, divorce. Prudently inspecting your budget is the first step toward getting a handle on your debt.

“See what else can be cut in order to create a little breathing room to make that mortgage payment,” says Greg McBride, chief financial analyst at Bankrate.com. “It is really important to be proactive. The goal is to right-size your home situation to the realities of your income

8

and household budget.”

Know Your Situation Become intimately acquainted with your mortgage. You might find your situation is worse, or actually better, than you realize. Depending on the type and structure of your loan, and thanks to continued low interest rates, adjusting rates might not necessarily mean higher payments.

Work to understand your property’s true value.

“A lot of homeowners think they’re in worse shape than they are,” says Blomquist. “But the housing market has really recovered in many areas for the past few years.

You may have a lot more equity in your home than you thought.”

Call Your Lender Contact your lender at the first sign of trouble. Depending on the severity of the situation, lenders may be able to assist with options such as mortgage modification or forbearance. If you are behind on your payments, the importance of calling is even greater.

“Unlike the days of the housing bust where lenders were inundated with foreclosures or delinquencies and people could literally live rent-free for years because lenders never got around to it, that’s not the case now,” says McBride. “Missing a payment

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or two will not go unnoticed.”

Seek Counseling or Assistance There are many resources available for distressed homeowners. McBride suggests seeking counseling from an agency accredited by the National Foundation for Credit Counseling.

Federal government programs such as the Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP), can provide assistance in some cases.

States also receive money from the U.S. Department of the Treasury via the Hardest Hit Fund.

Look for the housing finance agency in your state to research specific programs for struggling homeowners.

Avoid Scams Be wary of third-party scams.

Mortgage relief companies might contact you and offer to provide assistance for a fee. There are fewer now than five years ago, but it is still important to be cautious.

“Pick up the phone as opposed to answering the phone,” says McBride. “If you start answering the phone from entities that promise they’re going to fix your situation, you’re getting coldcalled, that’s inviting trouble.”

May 6, 2016

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

Record-low interest rates and record-low housing prices are renewing interest in the floundering housing market for many people. “When sellers are interviewing real estate agents to market their homes, their primary focus is usually on the advertising that the agent will offer them,� says Jessica Goodbody of Weichert Realtors.

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

RealEstate weekly In print and online

Call 360.416.2180 Today!

goskagit.com ads@skagitads.com

May 6, 2016

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CLASSIFIEDS Alpine Ridge Retirement Apartments in MV is accepting applications for 2 Bdrm apts. Income limits apply. 424-9622 for more info.

OPEN HOUSE Sat. May 7th, 1pm till 4pm

BUILDINGS, INC. TRUSTED LOCAL Construction Roofing Gutters www.spane.com

800-310-2136

Lic#SPANEBI141JD 1 - 4 Bdrm Rentals.

Piazza Realty Property Mgmt., Inc. 360-424-RENT

(7368) www.prpmrentals.com

Commercial space in the Stanwood area for rent or lease. 2,400 sq ft total; 1,800 sq ft warehouse space, 1,600 sq ft office space, additional 1,200 sq ft mezzanine. $1,600 a month. Call Corki at (360) 629-4542.

Skagit Highlands For Sale by Owner 2 Story Home 4608 Shukson St.

FOR LEASE OFFICE/STUDIO $900 MONTHLY 1st, Last & Damage 2 year min. lease

11195 Sahalie Drive La Conner, WA 98257 Great 3 Bedroom, 1 3/4 bath rambler overlooking Swinomish Channel.

Bright open floor plan with vaulted ceilings.

Huge garage. Private side yard backs up to greenbelt on this .30 acre lot.

Watch the ever changing farmland below and boats in the channel from your deck. Fee simple.

Community beach access, picnic area, and tennis courts. You have to see this one!

Laura Bird RE/MAX Valley Homes 360-630-9692

OPEN HOUSE Sun. May 8th 1-3pm 1400 E. Hazel St. Mount Vernon For Sale By Owner Great home in Hillcrest area, blocks from the hospital, school, downtown & I5. Open concept, 3 bdrm, 2 bath, on a double lot, over 15,000 sq ft.

Brushed stone back splash in kitchen, all stainless steal appliances. New bath, wood pellet stove. Attached man cave or rec room, over 360 sq ft, not included in total house sq ft of 1,266. Enclosed attached parking for 4 vehicles & attached car port in front.

Beautiful large patio with pond/waterfall & tiki hut, 6 cedar fence in back yard with apple trees, grapevines, blueberries.

Work shed, beautiful landscaping.

Anacortes House for Sale

3 bedroom, 1.75 bath.

Walking distance downtown, schools, shops and Starbucks. 20 min. to Whidbey Air Station.

1,106 sq.ft., 600 sq.ft. finished detached garage.

Fully fenced yard on double lot. New roof, new remodeled bathroom, fresh paint, refinished fir floors.

Leanne Carlson (360)333-0280 (360)333-7114 blkdogg@gmail.com

Catch a bargain everyday in the classifieds!

1331 South 3rd Street Mount Vernon Just 2 Blocks South of Downtown 1,272 sq. ft., new flooring, carpet, paint, lighting & roof. 5 offices, 3 bathrooms, shower & laundry room, kitchen, reception area, lunchroom, Cat 5 network cable wired, ADT security. Existing plumbing in 4 offices.

Call (253) 332-3657

WANT TO BUY riverfront shack. Lower Skagit or Snohomish County.

Call 360-652-6406 or email danerlendson@gmail.com

4 bdrm, 2 ½ bath, 2,600 sq.ft., bonus room, deck, granit, sunsetter awning, newer appliances. Lovely corner lot, fenced yard, in a family friendly neighborhood. $329,000. See to appreciate.

206-365-7771

10 - May 6, 2016

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Anyway You Like it

WE DELIVER Print + Online + eEdition If you need assistance accessing the online or eEdition, call 1.800.683.3300

Online + eEdition (digital replica of newspaper) access is available at NO EXTRA COST to Skagit Valley Herald Subscribers.

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May 6, 2016 - 11

419 JEFFERSON STREET, MOUNT VERNON

$185,000 4004 APACHE DRIVE, MOUNT VERNON

$329,900

Cozy 4 bed/1.5 bath home with awesome décor! Convenient kitchen with tile backsplash; beautiful floors throughout; fabulous tile work in bath! Deck overlooks fenced yard with shade tree; enjoy sunsets from your covered front porch. Close to everything: sopping, schools, medical and the bus line. MLS# 937268

Danya Wolf 360-708-8294

Welcome home! Impeccably maintained, privately situated view home located on edge of cul de sac with extra parking. Slightly formal yet warm and inviting home offers valley view plus view of Mount Baker; tiled entry; lots of natural Danya Wolf light, multitude of kitchen cabinetry;granite counter tops;hardwood floors,pull 360-708-8294 out pantry;tremendous storage space; office/computer/family room/den offers fabulous views plus small loft; spacious master suite w/vanity and walk-in closet; generous deck;covered patio. MLS#906466

1030 TINAS COMA DRIVE, BURL HILL

$109,900 4605 BEAVER POND DRIVE EAGLEMONT

$639,900

1509 ALPINE VIEW PLACE, EAGLEMONT

!

G DIN

PEN

With attention to detail, wonderful home w/spectacular views of Eaglemont Golf Course! French Doors w/slate entry, Awe inspiring views are yours to behold hardwood & carpet, living w/gas fireplace, when you build your DREAM Home at formal dining. Fabulous gourmet kitchen Elva Hunter top of Burlington Hill! Live the “high life” Danya Wolf solid granite island, beautiful cabinets, 360-202-3086 while still enjoying city amenities and 360-708-8294 opens to Lg great room w/fireplace & box beam ceiling. convenience! Within excellent Burlington School district; French doors open to Large Deck that spans the entire close to shopping and I-5 for easy commuting. All utilities house, overlooking the golf course. Eaglemont Community available at street: power, water, sewer and natural gas. w/spectacular clubhouse & restaurant. MLS#815455 MLS#909681

VIEW! VIEW! VIEW!

$349,900

Immaculate one level Golf Villa in Eaglemont w/ sunny exposure & Golf Course Views. Open fl. plan w/ 3 bedrooms & 2 bath. Kitchen w/ spacious eating bar & island plus lg. dining/breakfast, enjoy the double sided fireplace. Lg. Master & spacious walk-in closet, bath w/ double sinks, jetted tub, separate shower. 2 bedroom & utility room opposite end of home. Slider of kitchen to patio that overlooks 13th Fairway. 2 car garage. Enjoy private quiet & easy living in beautiful Eaglemont Golf Course..

MLS #935009 Elva Hunter 360-202-3086

18238 CAPET ZALSILUCE RD, LACONNER

$320,000

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

Danya Wolf 360-708-8294

3610 MOHAWK, MOUNT VERNON

Amazing view even from entry: stunning 4 bedroom/2 bath home on quiet end of street location, offering huge yard with fruit and nut trees and lots of room for recreation! Beautiful kitchen with oak cabinets, stainless steel appliances, gas range, built Shirley Bertholf Danya Wolf in microwave/walk in pantry. Open concept floor plan. Master 360-840-1863 360-708-8294 suite has separate reading area; master bath has double sinks; soaking tub and large separate shower; walk in closet and access to the expansive decking. Solar panels trim heating costs!.

MLS #928931

$202,000 21260 LAKE SIXTEEN RD, CONWAY

20611 ENGLISH RD, MOUNT VERNON

Cozy well maintained 2Bed/1Bath home built in 1905 in rural setting, yet close to everything, I-5, shopping, schools, medical; spacious kitchen with ample counter space and lots of cabinets; convenient utility room with nice view of backyard; beautifully updated Bath with extra storage and linen closet; lovely wood trim windows; gorgeous fir doors; garage with workspace; highly sought after Conway school district; 45 minutes to either Boeing or NAS whidbey!

MLS#924720 Carla Fischer 360-982-0010

Danya Wolf 360-708-8294

$345,000

$330,000

4+ Acres Private 4.5 ac setting with an adorable remodeled cottage located in sought after Conway School District. Inside you will find an updated kitchen w/skylight, built Donna Kurras in china hutch and a walk-in pantry. Beautiful hardwood floors thru out most of 360-770-7596 the home. Newer master bath w/jetted tub. Lg shop area w/huge separate storage rm. Outside has raised garden beds, a barn, fish pond and green house and lots of decking for outdoor entertaining. Invisible fence for dogs. One year home warranty included. MLS #909584

3780 E. College Way, Mount Vernon

360.424.0300

www.skagittraditionrealty.com 12

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May 6, 2016