RE Weekly June 21 2019

INSIDE

This Issue

Thrift Shopping: Find an App to Save a Downpayment

Consumer apps help borrowers adopt habits to save money

PAGE 4

Q&A

Ask Our Broker

PAGE 6

CLASSIFIEDS

page 7

JUNE 14-20, 2019

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STAT

TABLE OF CONTENTS Thrift Shopping: Find an App to Save a Downpayment

On the Market

Consumer apps help borrowers adopt habits to save money..............................................P4 Ask Our Broker.......................................................................P6

$274,900

Classifieds..........................................................................P7

The median price of a home nationwide

Q&A

Source: Realtytrac.com

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1827995 1697651

We have it all!

Bar and counter stools, marble coasters, mud rugs, sofas and love seats, kitchen chairs, coffee and end tables, benches, bookcases, desks, beds and so much more!

To advertise in RE-Weekly or other Skagit Publishing publications, Call: 360.416.2180 or Email: ads@skagitads.com ©2019 by Skagit Publishing | All rights reserved.

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

all dwellings advertised are available on an equal opportunity basis.

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

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

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

publication.

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

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

BURLINGTON

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

Territory NW

W NE

G TIN LIS

W NE

Mount Vernon

$315,000

Bright and clean Mount Vernon rambler. 3 bed 2 bath 1236 Square feet. Efficient open floor plan with nice spacing between master and 2 additional bedrooms. Super spacious master with walk in closet, full bath including step in tub. Slider off kitchen to west facing yard with room to play. 10 x 8 utility shed for the tools and toys. Gas heat and water AND A/C!, Hardi plank siding, newer roof. MLS #1473643

Call ron, 333-1045

www.SkagitValleyRealEstate.com

G TIN LIS

W NE

Mount Vernon

$389,000

Daylight rambler. 3/4 acre+ lot with views. 3 bedrooms with 2 full baths. Formal living and dining areas, family room off kitchen with additional family room in the lower area.

3 additional rooms downstairs with many possible uses. Spacious laundry room. 2 car garage with RV parking. Greenhouse, wood / storage shed, landscaped to perfection and ready for new memories. MLS #1472822

Call ron, 333-1045

G TIN LIS

anaCortes

$429,000

Home in a quiet desirable Skyline Community offers 4 BR + bonus room, 2.5 baths & shy 2000 sf. Liv rm w/ lots of natural light, vaulted ceiling, wood burning fireplace. Opens to din rm w/ slider to spacious wood deck that extends to side of home. Kitchen w/ SS appliances, Corion counters & undermount sink. 3 BR’s & 1 3/4 bath on main level.

Lower floor has lg rec room w/free standing gas stove. Att 2 car gar w/ work bench, wired for generator. Extra parking on side & front of home. Cedar siding! MLS #1476107

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

Mount Vernon

$449,000

Desirable Park Ridge 2 story home. 4 bedroom, 2 ½ bath, 2224 sq ft.

On spacious 1/3 acre lot. Natural gas heat, fireplace in family room. All cement-edge flower beds. 2 car attached garage and RV parking.

MLS #1464849

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

OPEN HOUSE SATURDAY 6/22 • 1-3PM $465,000

Directions: From Highway 9 North on Walker Valley Road. Beautiful craftsman in Big Lake area. Terrific layout with tons of natural light. Take this canvas and put your personal design into your new home! Large country kitchen w/updated appliances. Newer 28 x 36 shop has room for all your toys, hobbies or projects. Fantastic location with sunny 2.8 acres to grow, play, or roam! Sit on your covered porch and enjoy. MLS #1454511

Mount Vernon

Call elizabeth, 708-8800

Wilma Louia Designated Broker/Owner 661-1631

2

Charlie & Jeannine Boom 708-9645

$879,000

Recently remodeled strip mall with possible 4 separate units. Presently fully occupied. All located on desirable Riverside Drive. High volume traffic road with easy access and ample parking. High visibility signage w/ time & temp plus panels for tenants. MLS #1392765

Call WilMa, 661-1631

Jim Stransky 708-1681

Lisa Boon Meyer 420-6608

Kirk Campbell 770-7470

Ron Van Pelt 333-1045

Elizabeth Detillion 708-8800

Ivana Wood 770-3550

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Mike Welling 540-1341

Debbie Benjamin 708-8780

Arthur Henrichs 389-7879

Kati Shannon 391-1203

Traci Erickson Property Manager 755-5555

June 21, 2019

1899240

Mount Vernon

Sandi riley

FEATuRE HoME FRoM covER:

770-8670

12902 WAYWARD WAY, “CLEAR LAKE” SEDRO WOOLLEY

$473,500

ED DUC T RE JUS

NEW

$759,000

BY APPOINTMENT CALL SARA M. 425-268-0981

*CLOSE TO BOEING, PARKS & ALL SERVICES, DEAD END STREET!

*JUST LISTED, GORGEOUS CUSTOM RAMBLER W/LAKE & SUNSET VIEWS!

*3+ BEDROOMS, (SMALL 4TH DOWN) 2.5 BATHS, HUGE MASTER

*3 BEDROOMS, LOVELY MASTER SUITE, + NICE 3 CAR GARAGE!

*GAS HEAT, GAS FIREPLACE, OPEN PLAN, GREAT NEW PRICE!

*ATTACHED “ADU’’ 1 BEDROOM UNIT, SITED ON 5 ACRES, VIEWS, VIEWS VIEWS! $153,500

2610 E. SECTION ST. ‘’LITTLE MTN. ESTATES’’ M.V.

42 IT # UN

55+

7404 190TH PLACE NE, ARLINGTON

ENT

ING oNT

C

9080 E. PRESSENTIN DRIVE, CONCRETE

$585,000

SALE

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

*ENJOY 55+ LIVING AT IT’S BEST, TOP 5 PARKS IN WA. STATE, GATED PRIVACY! *NEW PRICE, SPACIOUS 3 BEDROOM, 2 BATH BEAUTY *LARGE COVERED DECK, HUGE 600+ S.F. DOUBLE GARAGE, CALL TODAY!

*LARGE 3000+ SQ. FT. 2 STORY W/4 BEDROOMS, 3.5 BATHS *TUCKED AWAY ON WOODED 5 ACRE SETTING CLOSE IN TO ALL SERVICES! *MASTER SUITE PLUS LG. GUEST BEDROOM ON MAIN

*2+ BEDROOMS, 2 BATHS, RECENTLY UPDATED, POSSIBLE OWNER TERMS *HUGE GARAGE/SHOP + LARGE COVERED FRONT PORCH *PARK LIKE SETTING W/TALL CEDARS, CIRCULAR DRIVE

2610 E. SECTION STREET, “LITTLE MTN. ESTATES” MT. VERNON

DING

$175,500

22943 CHERYL DRIVE, SEDRO WOOLLEY

SoLD

PEN

CALL SANDI RILEY 360-770-8670 *TRADITIONAL CRAFTSMAN STYLE 2 BEDROOM, 1 BATH RAMBLER *GAS HEAT, UPDATED KITCHEN, WOOD FLOORS, HUGE R.V. GARAGE *PARKWAY TYPE ‘’BOULEVARD’’, CLOSE TO DOWNTOWN, GREAT LOCATION!

$274,500

SoLD

CALL SANDI RILEY 360-770-8670

CALL SANDI RILEY 360-770-8670

*GATED PRIVACY, LARGE CLUBHOUSE & POOL, TOP 5 PARKS IN WA. STATE! *3 BEDROOMS, 2 BATHS, WOOD LAMINATE FLOORS, LG. COVERED PATIO *HUGE DOUBLE GARAGE, LOADED W/UPGRADES

*LARGE FENCED SETTING W/HUGE SHOP, CIRCULAR DRIVE, R.V. PARKING *3 BEDROOMS, 2 BATHS, NEW FLOOR COVERINGS, MUCH MORE! *EDGE OF TOWN, QUIET, CONVENIENT TO SHOPPING/SERVICES 1913441

t

Muljat Group Brown McMillen

360.757.6013 800.869.7084

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

G

IN

W

NE

T LIS

cALL JIM 708-1681

This beautiful home in desirable Sedro-Woolley can be yours. It features granite counter tops and real hardwood floors. Energy efficient all electric home with LED lighting throughout. Nice open floor plan with 3 bedrooms and 2 baths and 2325 sq. ft. of living area. Large master bedroom and bath with walk-in closet. Beautiful covered deck for year round enjoyment, full 7 foot high lighted storage space under home. All this on .77 of an acre lot and just minutes away from freeway and town.

MLS #1466904

$225,000

D! UCE RED

CALL SANDI RILEY 360-770-8670

815 GREENSTREET BOULEVARD, SEDRO WOOLLEY $272,900

RE/MAX Territory NW 320 S. Burlington Blvd.

Burlington, WA 98233 360-755-9494 www.skagitvalleyrealestate.com

ING! LIST

OPEN HOUSE SAT. 1-4:00 CALL SANDI RILEY 360-770-8670

$595,500

1888192

9212 18TH AVE. WEST “D”, EVERETT

10306 COLLINS ROAD, SEDRO-WOOLLEY

OPEN HOUSE SAT. 6/22 • 12PM-3PM

OPEN HOUSE SAT. 6/22 • 1PM-3PM

1441 LAKE DRIVE, CAMANO ISLAND

19938 LEI GARDEN ROAD, BURLINGTON

Nice level 2.5 acre building lot in Bayview. Lot has been cleared, leveled, & prepared to build on. Driveway installed & spot leveled for building pad.

PUD water available at street. Nice neighborhood location! $323,500 #1471440

ICE

W

NE

PR

Well maintained 4 bdrm, 2.5 bath home on nice corner lot. Spacious kitchen, and hardwood floors throughout. Great views of Little Mountain, 2 car garage attached, and beautifully landscaped yard on quiet street. $429,500 #1460580 Kristen Tuttle Yvonne Brown Galen Kindred Holly Hilts

June 21, 2019

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

Lake front oasis, 2+ bdrms & den! All new kitchen with solid wood cabinets, granite counter tops & black stainless appliance package. New septic, new 30 year roof & all new black chain link in the fully fenced backyard.

Down stairs rec room w/slider & view of lake. Detached garage all on a private 1/3 acre lot. Additional lot available for purchase. $399,500 #1467295

Jeff Ingman Shelah Inman Jodi Dynes Fritz Inman

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

Tim Reichert Ron Wortham Mary Jo Reitsma Travis Lohman

RE-Weekly.com

Delightful 4bd, 1.75 bath rambler is a must see! Amenities include hardwood floors, granite counter tops, sun room with french doors, fireplace plus a free standing gas stove. Den, patio & deck, detached shop with 220, and newer roof and furnace. Beautiful landscaping. $429,000 #1477582 391-5587 661-1500 770-6013 661-4533

Tod LeHecka Jan Scally Dale Owenby Dana Holmes Katie Hilsinger

333-1032 421-5160 913-8662 770-6716 391-3796

3

Q&A

Finance Costs QUESTION:

It’s sometimes said that 30-year mortgages are actually dangerous and should be avoided.

Don’t most people have 30-year mortgages?

ANSWER:

The 30-year mortgage is the standard loan term but it’s not the only financing option out there. Fifteen-year mortgages are also widely available and you can get 20-year and other financing as well.

The worry regarding 30-year mortgages concerns cost and risk. Imagine that you borrow $150,000 at 4.25 percent fixed. The monthly cost for principal and interest is $737.91. If the loan is held for 30 years the interest cost will be $115,648.

The same loan, financed over 15 years, will have a monthly payment of $1,128.42 and a

Cathy West Oak Harbor Escrow Manager/LPO 360.679.5055

LAND TITLE AND ESCROW W

Brandi Jensen Stanwood Escrow Manager/LPO 360.629.9737

Katey Von Hagel Marketing Representative 360.707.1076

Service you deserve with people you trust Visit any of our 5 locations in Oak Harbor, Burlington, Freeland, Stanwood and Anacortes

Ltco.com 4

Shelley Miner Burlington Escrow Manager/LPO 360.707.2312

Kari Pittenridge Anacortes Escrow Manager/LPO 360.299.0565

Holly Mathers Island County Title Manager 360.675.2246

By Peter G. Miller

potential interest cost of $53,116. If we have 20-year financing the monthly cost will be $928.85. The interest cost over the loan term will be $72,924.

In other words, interest costs are a lot cheaper as the mortgage term becomes shorter. This is important because if the loan is paid off early by refinancing or through a sale the borrower with a 30-year mortgage will owe far more than someone who has a shorter loan. In practice the odds of an early pay-off are overwhelming: the National Association of Realtors says the typical home is sold after nine years of ownership.

Given the big savings from shorter loans why doesn’t everyone finance with a 15-year mortgage? The answer is affordability. Many borrowers have big monthly payments for student loans, auto payments, and credit card debts. Sure, a shorter loan would be nice,

Eldon Brown Skagit County Manager 360.707.2158

Christa Canell Freeland Escrow Manager/LPO 360.331.4838

ASK OUR BROKER

1898385

but most borrowers simply don’t have the necessary debt-to-income (DTI) ratio needed to qualify for a bigger monthly payment. They have relatively too-much debt and relatively too-little income.

But, if borrowers really want shorter loan terms there are steps they can take. First, most mortgages welcome prepayments in whole or in part without penalty. In fact, payment coupons often have a line for “extra principal.” By adjusting the size of your prepayment you can engineer a shorter loan term and less debt. When the property is sold you’ll owe less to the lender.

Also, if you have a big chunk of money, then you might look into a “curtailment.” Give the lender $10,000 or $20,000 and you might be able to get a lower monthly payment in exchange. Not a lower rate, a lower payment because less principal is owed.

NORTH PUGET SOUND ASSOCIATION of REALTORS® 525 East College Way, Suite J

Mount Vernon, WA 98273 (360) 416 4902

www.npsar.realtor

WHY USE A REALTOR®?

Buying or selling a home can be one of the most exciting, and most stressful things you will ever do. The terminology, the paperwork and the amount of investment you make can seem overwhelming. When you make the decision to use a REALTOR®, you can be sure that they will be looking after your best interests.

The term REALTOR® is a registered trademark, the use of which is earned by your real estate agent or broker through ongoing training and membership in the largest trade organization in the country, The National Association of REALTORS®.

Every member of the National Association of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. The Code of Ethics is a promise - as a customer of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters.

If you want to be sure that you are dealing with a REALTOR® member, visit our website at www.npsar.realtor to see a listing of current local member offices, or look for an office that has earned the distinction of displaying the REALTOR® logo.

Source: www.realtor.org Mission Statement: The North Puget Sound Association of Realtors advocates for Realtors and their clients, and promotes the protection of property rights.

RE-Weekly.com

June 21, 2019

Residential NE

W

!

NE

OPen SaTurday June 22nd • 1PM TO 3PM 12989 N. Ovenell Ln, Burlington $400,000 Beautifully remodeled 3 bedroom/2 bath Burlington home located near Skagit Golf & Country Club. Inside awaits comfortable living, bright open floor plan w/vaulted ceiling, perfect sized kitchen with plenty of counter & storage space that looks into the living room & dining area. Good size bedrooms, wood fireplace in living room and wood stove in lower family room and wet bar perfect for entertaining. Large size lot partially fenced, garden shed, dog run and lots of room to park your boat or RV! Shelly Hanson 360-420-2565 #1472428

NE

W

!

W

!

NE

W

!

OpEN SuNday June 23rd • 1PM TO 3PM

OPen SaTurday June 22nd • 9aM TO 11aM 24152 Nookachamp Hills Dr, Mt Vernon $550,000 Brand new Nookachamp Hills rambler w/flat usable backyard & 3 car garage! Gorgeous hardwood floors, great room concept w/ vaulted ceiling & formal dining. Nearly 2,600 sf split floor plan w/ dual masters perfect for guests or MIL. Main mstr has 5-piece bath & huge walk-in closet. Kitchen w/white shaker cabinets, s.s. appliances, quartz c-tops & huge island w/bar seating. Ice cool A/C, & gas heat.

Beautiful ironwood porch & covered deck.

Amazing sunsets & rec at nearby Big Lake.

The Danleys 360-488-3858 #1466222

NE

W

!

23369 Pringle St, Clear Lake $545,000 Located in beautiful Clear Lake & bursting w/ amenities including; built-in endless swim spa, enclosed salt water pool & giant deck.

A fully renovated kitchen gleams w/all new KitchenAid appliances, butler’s pantry, double oven, gorgeous backsplash & new corian countertops. Lg office for work, play or an extra bdrm. Upstair a generous master ensuite, 2 more bdrms & bath. Garage has been transformed into finished bonus rm. New Septic, 25 year roof, tankless wtr htr, heating & air, new carpets.

Becky Elde 360-770-9427 #1468819

NE

W

!

17146 Britt Rd, Mt. Vernon

$995,000

Custom NW Contemporary 4 bedroom home on 13.8 acres offering 4857 s/f, a gourmet kitchen with natural lighting, lg guest apartment with separate living quarters overlooking farmland. Spacious Mstr suite, 3 fireplaces, 4 3/4 baths, beautiful office with french doors. Formal dining, living and great rooms for entertaining. 110 s/f in-ground swimming pool, water feature, green house, several garages for RV and misc. parking.

Linda Eastman 360-202-4075

NE

W

#1458836

!

OpEN SuNday June 23rd • 12PM TO 3PM 17138 Trout Dr, Mt. Vernon $505,900 Well maintained Nookachamp Hills home with filtered views of Big Lake! 4 bedroom home with 2 master suites, 3.5 bath, den, 3 car garage and amazing outdoor space. Lower and upper level masters both have fireplaces and spacious master baths. Lower level master has attached den perfect for a mother-in-law. Freshly painted kitchen with stainless appliances. Spacious back deck ideal for relaxing or entertaining.

Fenced back yard with greenhouse, raised beds, and fruit trees - a gardeners delight!

Travis Mager 360-298-0628 #1466641

4506 Queen Ann Wy, Anacortes

$669,000

18419 Peregrine Ln, Mt. Vernon

$999,989

Beautifully maintained Skyline home! Views

Beautiful & private Cascade Ridge home

from both floors of Burrows Bay, Burrows Isl,

w/million dollar westerly views. Spacious

the Straight & Olympic Mountains from interior

gourmet kitchen open to living has custom

spaces and large view deck. Over sized master

cabinetry, granite tile counters, comm. range,

suite with walk-in closet, 5-piece master bath

warming drawer. Living opens to patio & views.

w/jetted tub. 3 bedrooms on main with 1 more

Mstr suite w/walk-in-closet, 5pc bath. His & her’s

downstairs + bonus room and large family

offices. 2 guest suites w/attached baths. 3 car

room w/gas fireplace & wet bar. Wood blinds,

garage at main entrance + shop space & garage

high ceilings, 2x6’ construction. Private yard w/

in basement. Prof. landscaped w/native plants.

finished storage room. Extra parking at house &

FAA-approved Helipad.

RV parking at street.

Megan O’Bryan 360-708-5817

Barb Robinette 360-298-8754

#1459945

Spencer Roozen 360-424-4901

#1468714

1900326

12989 N. Ovenell Ln, Burlington $400,000 Beautifully remodeled 3 bedroom/2 bath Burlington home located near Skagit Golf & Country Club. Inside awaits comfortable living, bright open floor plan w/vaulted ceiling, perfect sized kitchen with plenty of counter & storage space that looks into the living room & dining area. Good size bedrooms, wood fireplace in living room and wood stove in lower family room and wet bar perfect for entertaining. Large size lot partially fenced, garden shed, dog run and lots of room to park your boat or RV! Shelly Hanson 360-420-2565 #1472428

June 21, 2019

RE-Weekly.com

5

Thrift Shopping: Find an app to save a downpayment

RE-Weekly.com visit re-weekly.com to easily search for local real estate listings!

easy to use tools & the most up-to-date information for finding local real estate 6

Saving for a down payment is so difficult that it’s consistently rated as the biggest obstacle facing aspiring homebuyers.

Now, help is widely available through mobile apps.

Indeed, just input “apps to help you save money” or “apps to help save for a down payment” in a search engine to call up recommendations.

Many banks offer apps to their customers, and others are available, sometimes free, through app stores.

So can an app really transform that elusive down payment dream into reality?

Only if the goal is “salient” or truly your top priority, notes Dilip Soman, University of Toronto professor who specializes in behavioral economics.

Many features found in these apps, like categorizing your monthly spending, bar charts that show your savings progress, an easy mechanism for transferring funds to savings, and automatic “rounding up” each purchase, depositing the change in savings, are founded on principles of behavioral economics, the study of how humans

RE-Weekly.com

can be prompted to better financial habits.

Some apps allow you to label your savings account with names like “house” and plug in a picture of your dream house. Constantly “seeing” your goal has proven to be a good motivator, notes Soman.

These apps help curb our spending impulses, says Jeff Kreisler of PeopleScience. We might feel there’s nothing ‘wrong’ with ordering a bottle of wine at dinner, he explains, but an app can remind us that restaurant spending is already peaked for the month.

One downside of an app is that it may allow you to swipe your phone to pay for purchases, says Kreisler. The same region of the brain that registers physical pain fires up when we buy, especially if we must open our wallet and count out bills. Swiping a phone is probably the easiest pay mechanism, followed by credit or debt card purchases, and then cash payments.

Still, choosing an app that provides the nudges that you think may help build your resolve should prove helpful, Kreisler concludes.

June 21, 2019

RE-Weekly.com

CLASSIFIEDS CONCRETE, 1 Bdrm house on private lot & workshop w/power. W/S plus W/D. $850/mo. plus dep. NO CATS. Avail. July. (360) 969-6345

A Soldier’s Home Home buying tips I t’s only fitting that those who have defended our homeland should get a sweet deal on a home for sale. If you’re a veteran, active service member, or eligible surviving spouse, Uncle Sam makes this possible by providing valuable benefits that can help you become a homeowner quicker and for less money. And now’s a particularly good time to reap these rewards, say the experts.

“Renting is getting more expensive, base housing is often on a waiting list, the housing market is booming, and interest rates are at historic lows. It’s created the perfect storm for active duty military and veterans to become homeowners,” says Bryan Bergjans, national director of Military Lending & Retail Business Development for Caliber Home Loans based in Coppell, Texas We’re also in peak buying season, so the timing is right.

“We’re in the height of the spring-summer home buying market, with new houses hitting the market regularly, so there are many homes to choose from,” notes Audrey Darby, CEO of Match Me With an Agent, based in Glen Rock, June 21, 2019

for US veterans

New Jersey.

But the biggest reasons why veterans, active military members, and surviving spouses have a leg up on other buyers is that they can be eligible for exclusive programs and perks, including a VA home loan. This loan requires no money down, provides extra-low interest rates, and eases lending guidelines to make it easier to qualify— even if you have credit issues.

“As a veteran, you’ve sacrificed and served our country. The zero percentdown VA home loan is a great reward for those sacrifices,” says Darby, who adds that, in most markets the VA loan borrowing limit is a generous $484,350. “All you have to do is apply for a mortgage through a standard lender, broker or bank, tell them you are a veteran, and provide a copy of your DD-214 separation from service document— which will help the lender determine the amount of your benefit.”

Additionally, you can apply for a no-money-down VA loan multiple times—for a starter home, move-up residence, vacation home, retirement residence, etc., (although some restrictions apply).

“The VA loan is a fantastic opportunity for those who qualify to own a house, build long-term wealth, quit throwing money away on rent, and take advantage of a program that no one else can use,” Michael Hills, vice president of Investment Brokerage at Denver-based Atlas Real Estate Group.

But the perks don’t stop there.

“There are many state programs that assist veterans by covering closing costs or that offer grant money or down payment assistance if you want to look beyond a VA loan. Also, a VA home loan doesn’t charge mortgage insurance, despite the fact that you’re not putting any money down,” says Jeff Richardson, senior loan officer for Move-

ment Mortgage in Phoenixville, Pennsylvania. “However, there is an upfront funding fee, which is financed into the loan, although that fee is waived if you’re receiving VA disability benefits.”

The VA also offers a unique program called the VA renovation mortgage.

“This allows a veteran to purchase a home and do up to $ 35,000 in repairs or upgrades all in one loan, again at 100 percent financing,” Richardson notes.

For best success, the experts recommend the following tips: Ask for help among your peers. “Reach out to military folks in your community and ask for referrals to agents and mortgage professionals,” says Bergjans.

Get prequalified and shop around. “You may qualify for the VA loan but not necessarily the entire eligibility amount.

Try to choose a lender that works with a lot of VA loans and can explain the process clearly,” Nadia Anac, Realtor with Tampa-based Keller Williams, suggests.

Pick the right agent.

“Choose one who has experience working with vets

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PUBLISHER'S NOTICE

All rental and real estate for sale advertising in this newspaper is subject to the Fair Housing Act which makes it illegal to advertise any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention, to make any such preference, limitation or discrimination Familial status includes children under the age of 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18. This newspaper will not knowingly accept any advertising for the rental or sale of real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertising in this newspaper are available on an equal opportunity basis.

To complain of discrimination call HUD at (206) 220-5170.

and military members,” says Anac.

Shop with your needs, wants and budget in mind.

“Find a home and a neighborhood that meets your needs and a place where you will be comfortable and happy with your family,” recommends Richardson. Also, “just because you may qualify for a certain loan amount doesn’t mean you have to use the entire eligibility, so stick to your budget,” Anac advises.

10 - January 29, 2019

LA CONNER COMMERCIAL WATERFRONT $625,000. 608 S. First Street.

3 commercial units + 2nd floor apartment + moorage.

55' waterfront.

Current income in place.

CBA ID# 596812 Hansen Real Estate, LLC 206-604-7941

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 Look at homes with resale value in mind. “Consider resalability,” says Anac, “especially if you’re an active duty member who may be moving in a few years near another base.”

Consider a move-in-ready home. “If you’re planning to only be in an area for a short period of time, spending your weekends on DIY projects may not be realistic,” Anac adds.

7

4703 BEAVER POND DRIVE S, MOuNT VERNON

$579,000

7358 SKAGIT VIEW DR, CONCRETE

$55,000

123 S BAll ST., MOuNT VERNON, WA 98273

Open HOuse, sAt. June 22nd, 11-2pm

Eaglemont! Beautiful new home with open concept living, kitchen, dining. Main floor master suite & bath w/walk in shower & closet, laundry. Downstairs finished w/2 bedroom & bath, family room. Finishing include custom cabinets, granite, stainless steel appliances, tankless water heater, hardwood floors, deck off the great room to private yard. Be sure to visit Eaglemont golf clubhouse, 18-hole course & restaurant, gym and spectacular views! Elva Hunter 360-202-3086 MLS#: 1457263

Charming, classic west side Mount Vernon home: 3 bedrooms (one could be a large family room); across from Edgewater Park. Carpeted downstairs; and the beautiful hardwood floors shine upstairs. Kitchen offers a multitude of cabinets and lots of counter space plus an eating area.

Small adjunct room off of kitchen. Lovely yard with roses, bushes; and amazing trees! Parking with room for small RV. MLS# 1471420

32248 S lyMAN FERRy RD, SEDRO WOOllEy

$560,000

Ready to build level lot with 3 bedroom septic in place.

Power and water on property. Trees provide privacy. Gated boat launch, community beach access, tennis courts, large gazebo and community Carla Fischer Suzanne Jenkins park. MLS# 1363180 360-982-0010 360-941-2983

45246 NESIKA TRAIl #2D41, lAKE TyEE $60,000

Must See to appreciate this log home on 2 acres. Current

Sherry Ruderman Danya Wolf Buyer’s Agent 360-708-8294

360-540-1552

4628 PARKVIEW lANE, EAGlEMONT

$719,000 Brand new home in sought after Eaglemont Golf Course

owner built with many unique stunning details. A variety

Community!Luxurylivinginthiscustom3,315sq.ft.home,light

of old growth woods blend for an amazing aesthetic. Maple

and bright 4 bedroom 3 1/2 bath. Lg kitchen w/SS appliances,

counters, pecan floors, cedar beams and Ponderosa Pine

granite counters & island. Great room w/gas fireplace, deck

ceiling. Entertaining space: Indoor has lots of seating & Outdoor has decks and patio bbq area with adjacent bonus room. Attached 3 car garage with grease/work pit. Huge 30’X 60’shop. Large garden space, fruit trees - apple, cherry, pear.

17000 TROuT DRIVE, MOuNT VERNON

$275,000

Open HOuse, sundAy, June 23rd 1-3pm

Carla Fischer Yolanda Sakuma

360-982-0010 360-421-0435

$595,000 18 TRIllIuM lANE, CONCRETE, WA 98237

$39,000

overlooking nature. Main floor living w/master & bath

This 2011 Fleetwood Park Model is ready for your recreational enjoyment. It is a cozy 1 bedroom with loft, full bath and full size appliances. There is a fire pit and plenty of parking. A metal roof is used on the covered deck; spacious for entertaining and barbeque area. The comfort station is conveniently located just 1 lot over and the property is just up the hill from the lake. LakeTyee is a gated recreational community with any 210 days use in a calendar year. Dues are $159/mo. Sherry Ruderman 360-540-1552 MLS# 1425014

45249 NESIKA TRAIl #2D33, lAKE TyEE

$52,000

w/jetted tub, shower & walk-in closet, utility room. Upstairs w/ 2nd master & bath +2 bedrooms.

Additional SF downstairs ready to complete, AC & tankless water heater. Situated on a quiet peaceful street! MLS# 1405852

3789 E. DIVISION ST., MOuNT VERNON 10+

Ac

res

Elva Hunter

360-202-3086

$650,000

Great 10 acre development property for higher end homes or Planned Unit Development. Amenities include: Public Utility District Water, Cascade Natural Gas, Puget Power (Puget Sound Energy), high speed internet, city garbage

Gorgeous Nookachamp Hills country estate w/expansive views. Beautifully built, 4 bed, 3.5 bath home on shy half acre corner lot w/lg sunny garden area. 2 covered porches, enjoy breathtaking sunsets from one & relax to the sound of the waterfall pond from the other. Open plan spills out to 40’ deck for entertaining! Peninsula gas fireplace, CentralVac, skylights, tons of storage! Master w/ tiled shower, jetted tub, walk-in closet. Too much to list!

Lynn Jenssen Lovingly maintained & move in ready. MLS# 1436546 360-298-6569

44970 KyuquOT TRAIl #2C91, lAKE TyEE, WA 98237

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

Paved street. Walking distance to Rasar State Park! MLS# 1475444

$69,000 45297 KAMOOKS TRAIl #2D21, lAKE TyEE

Danya Wolf

360-708-8294

Lake Tyee is a gated community and strict about who enters. Please contact listing agent for an appointment to view. Lake Tyee is recreational use only, not residential. Owners may utilize the property any 210 days a Sherry Ruderman calendar year. Dues are 159/mo 360-540-1552

$19,000 3026 HEMlOCK WAy, SEDRO WOOllEy GLe

This clean, room for 6, and well-maintained 5th wheel is the perfect home away from home at Lake Tyee. Enjoy this get-away with partially covered deck and peaceful location while you view Mount Shuksan and territorial views. Storage shed and covered area by fireplace stay on property, as well. Extra parking room for guests. 2C91 is a turn key property and ready for you to enjoy this summer.

Remember to bring your floaties for the lake and putters Sherry Ruderman for the mini golf. Thank you for viewing. MLS# 1469841 (360) 540-1552

Nice corner lot with green space. Fantastic location just up the hill from the lake. Comfort station is just a few lots away.

There is so much potential for you to make this just the way you want your vacation spot with your trailer, build up to 400sf of decking and you can even enclose up to 300sf of the deck for more living space.

Beautiful! MLS#: 1451178

Sherry Ruderman

360-540-1552

nHA

Ven

Enjoy wonderful Glenhaven Lakes Community amenities; clubhouse, swimming pool, two lakes, neighborhood parks and picnicking when you purchase this great 7,900 sq ft. lot with all utilities. Keep existing manufactured home or imagine a brand-new home here. Ask how this new Lynn Jenssen Danya Wolf home could be yours!

360-708-8294 360-298-6569

360.424.0300

pickup and access to city sewer. Beautiful Wooded property with territorial view and open park-like setting. Includes vintage home with basement and detached garage, and is currently rented. MLS# 1299587

Danya Wolf

360-708-8294

fOR vOTing Skagit tradition realty BEST REal ESTaTE OfficE!

3780 E. College Way, Mount Vernon

www.skagittraditionrealty.com 1899255

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RE-Weekly.com

June 21, 2019