Wednesday, October 21, 2009 • Whidbey News-Times
Whidbey
www.WhiDBEYNEWSTIMES.com
Page A13
2009
WOMEN IN BUSINESS Lyn Bankowski
Dawn Tennant
Rhonda Porter
Lyn is a real estate professional with over 20 years of experience. She takes pride in offering competitive rates, a variety of products, and a friendly, common sense approach to lending. The best part of her job is the opportunity to consult with borrowers to ďŹ nd just the right product for their needs and desires.
Dawn’s experience in human services gives her valuable insight into the needs and expectations of homebuyers. As a long-time Whidbey Island resident, Dawn knows the area and is excited about offering her fellow residents friendly and efďŹ cient service. She’s proven her expertise in beneďŹ ting clients by matching their needs with special programs offered by Alaska USA.
Rhonda has over 20 years in the real estate lending industry. She prides herself in understanding how the entire home buying process works for her borrowers and coordinates her clients loan from start to ďŹ nish. Working with Rhonda in the ever changing mortgage industry, gives her clients a sense of conďŹ dence and partnership.
Mortgage Loan Originator
Assistant Vice President/ Senior Loan Originator CertiďŹ ed Mortgage Planning Specialist
650 NE Midway Blvd, Ste. 101 Oak Harbor 360-679-9755
l.bankowski@alaskausamortgage.com www.lynbankowski.com
650 NE Midway Blvd, Ste. 101 Oak Harbor 360-679-9755
Tracy Wolfe RDH, BS Katherine Hargarten
“Creating Beautiful Smiles� 20 SW 8th Avenue Oak Harbor 360-240-0800 islandprosth@gmail.com www.drkallander.com
Koetje Agency Insurance 775 NE Midway Blvd t
360.929.0495 Mobile 360.679.2500 www.taxpros4u.com
While the Enrolled Agent license was created in 1884 and has a long and storied past, today’s EA’s are the only tax professionals tested by IRS on their knowledge of tax law and regulations.
“We do our Homework........ So you don’t have to!�
bonniew@koetjeinsurance.com
Owner
Since 1979, she has specialized in business, personal, estate and trust returns as well as retirement planning. Harriet uses a personalized client interview to focus on each client’s needs and concerns. She then leverages tax strategies to promote business and personal tax planning to help her clients achieve their goals.
EA’s adhere to a code of ethics and professional conduct and are required by IRS to take Continuing Education.
Koetje Agency Insurance
Bonnie is a long time resident of Whidbey Island and a licensed insurance agent for ten years. She writes all lines of insurance coverage and specializes in personal lines including home, auto, motorcycle, recreational vehicle and umbrella policies. Bonnie enjoys providing peace of mind to clients for the unpredictable events that happen. She represents many companies ensuring you receive the best rate and coverage. If you would like to review your coverage and premiums, give Bonnie a call.
Gloria Carothers
After 30 years of practice that ďŹ rst began from her home ofďŹ ce, Harriet made the decision to become more available to her husband’s growing business and recently sold her local tax practice to return to her roots. . . serving clients across the U.S. from her home ofďŹ ce.
Business Consulting & Tax Preparation
Insurance Agent
775 NE Midway Blvd t
blouin@koetjeinsurance.com
Harriet Berg, Enrolled Agent
Harriet Berg, EA
Sue has been a licensed insurance agent for 35 years serving Whidbey Island. She has been with Koetje Agency for 21 years. She is experienced in writing all lines of insurance including business, contractors, bonds, auto, home, motorcycle, life, health, boat and recreational vehicles. Sue welcomes and looks forward to handling the insurance needs of the Island County community where she has been a resident for 40 years. Please give Sue a call.
d.porter@alaskausamortgage.com www.rhondaporter.net
Bonnie Wallin, CISR
Insurance Agent
OfďŹ ce Manager
Dr. Kirk Kallander
650 NE Midway Blvd, Ste. 101 Oak Harbor 360-679-9755
Sue Blouin, CIC, ACSR
Hygienist
Katherine has been managing in the dental ďŹ eld since 1993. She says your smile is often a ďŹ rst impression-and when that smile is healthy and beautiful, it becomes an invaluable asset, both personally and professionally.While they specialize in adult dentistry, the hallmark of the practice is their honest approach, compassion and sincere concern for their patients. Tracys career in dentistry began over 20 years ago while she was still a student at Oak Harbor High School. “Being a dental hygienist allows me the opportunity to build lasting relationships with patients while helping them achieve optimum health.â€? Tracy is dedicated to raising two teenage sons and balancing her career. This mother and daughter say they love what they do and working together with Dr. Kallander’s awesome team just doesn’t get any better.
d.tennant@alaskausamortgage.com www.dawntennant.com
Senior Mortgage Loan Originator
830 SE Pioneer Way Oak Harbor 360-679-3700
Gloria Carothers came to Oak Harbor 53 years ago and has owned her jewelry store for the past 18 years. The Jewelry Gallery specializes in distinctive diamond and gemstone jewelry. We are the area’s exclusive dealer of Hearts on Fire Ideal Cut branded diamonds, the world’s most perfectly cut diamonds. We also exclusively carry Northern Washington’s largest selection of Pandora Jewelry. In addition, we offer custom designs, expert repairs and appraisals, and carry ďŹ ne vintage and estate jewelry.
Also come see Gloria for details on purchasing your gold and diamonds.
1080 N.E. 7th Ave. 360-679-5055 1-800-829-5263
Let our friendly and experienced staff assist you with your escrow and title needs. www.ltco.com
Page A14
Whidbey
www.WhiDBEYNEWSTIMES.com
Wednesday, October 21, 2009 • Whidbey News-Times
2009
WOMEN IN BUSINESS Terri Neilon, CDPE, Owner/Broker
¡ CertiďŹ ed Distressed Property Expert ¡ CertiďŹ ed Residential Specialist ¡ CertiďŹ ed Foreclosure Specialist ¡ Graduate Realtor Institute
REMAX ACORN PROPERTIES 32800 SR 20, Suite 2 0BL )BSCPS t www.terri.remax.com terri@onwhidbey.com
Berni Geriene
Living in Oak Harbor for over 25 years offers me a unique understanding of both local and military real estate needs. I recognize the fact that you have a choice in real estate agents and I am committed to earning your business through professional, highly personalized service to meet your family’s needs.
I entered the property and association management ďŹ eld the summer of 1998 and have been with Acorn Properties Management Group since then. I am a licensed realtor, CertiďŹ ed Manager of Community Associations and an Association Management Specialist.
RealtorÂŽ
CRS, CFS, GRI, e-PRO
For over 25 years our ofďŹ ce has been known for Quality Service and Professionalism. I am committed to helping you meet your Real Estate goals by educating myself and my agents. We specialize in helping you with Buying, Selling, Short Sales, Foreclosures, Relocation, Luxury Homes, Property management, and Association Management. Our clients are our number one priority and we are here to serve YOU.
Cheri English
REMAX ACORN PROPERTIES 32800 SR 20, Suite 2 0BL )BSCPS t $FMM XXX BHFOU MJGF OFU $IFSJ!BTL DIFSJ DPN
I’m passionate about real estate and will strive to be “Your Agent for Life� by providing you with top notch service in ALL aspects of your transaction. Your REALTORŽ should go “the extra mile� for you, making your home buying or selling experience the most rewarding, stress-free process possible. My goal is to build lasting relationships and long time clients!
Association Manager
REMAX ACORN PROPERTIES 32800 SR 20, Suite 2 0BL )BSCPS t www.acornprop.net acorn@acornprop.net
Mary Fanning
Kathi Phillips
Association Manager
REMAX ACORN PROPERTIES 32800 SR 20, Suite 2 0BL )BSCPS t www.acornprop.net acorn@acornprop.net
I began my career in Association Management after years of being a board member of a condominium association. As a board member I came to understand the importance of having professional management to guide through the intricacies of association life. As a professional manager I strive to give each association that I manage my best, and will always do so with integrity. The numerous hours of continuing education keep me up to date with the latest governing laws, as well as the current issues that associations face. My goal is to exceed the expectations of those I have the honor to serve.
Associate Broker CRS, GRI
A proven leader in Real Estate on Whidbey Island for the past 28 years!
REMAX ACORN
PROPERTIES MANAGEMENT GROUP
32800 SR 20, Suite 2 0BL )BSCPS t www.acornprop.net
Tonia DeBeaux, ABR, AHWD, CDPE, CRS, SRES REALTORÂŽ
REMAX ACORN PROPERTIES 32800 SR 20, Suite 2 0BL )BSCPS t DFMMVMBS
5POJB!8IJECFZ*TMBOE)PNFT 6 DPN XXX 8IJECFZ*TMBOE)PNFT 6 DPN
I have earned the Accredited Buyer Representative, CertiďŹ ed Residential Specialist, Senior Real Estate Specialist, and CertiďŹ ed Distressed Property Expert designations. I also have the At Home with Diversity certiďŹ cation. I have been helping people with real estate for over 6 years. My goal is to provide every client with service and caring that exceeds their expectations. Your real estate needs and goals are important to me.
I dedicate my career to easing the burden that can come with being a volunteer board member for your Association and making the rental experience a comfortable one. Our staff is friendly, experienced, knowledgeable and ready to assist.
Front row: Kendall, Brittany; Back row: Eleanor, Jamie, Megan
We’ll put our Property Management expertise, industry qualiďŹ cations and local market knowledge to work on your behalf to make ďŹ nding or renting property simple and stressfree. Give us a call today!
Patty Folkestad
32800 SR 20, Suite 2 Oak Harbor 360-679-4585 patty@onwhidbey.com
32800 SR 20, Suite 2 Oak Harbor 360-679-4585 www.onwhidbey.com
just give you their home? Well, you’re close....foreclosures are a great deal, IF you know what you’re getting into, if you can get the right ďŹ nancing, ARE YOU CONFUSED? and if you have the right agent that is Well join the rest of us...in these familiar with the process. Yes, sellers economic times everyone can start are VERY motivated to sell their to be confused. What you want is homes, but they can’t give it to you. someone, anyone, that can explain what happened, why it happened, and What they can do is what’s called a short sale, they sell it for less than how it’s going to affect you! Affect what they owe on it, with their banks’ you, the home seller, and you, the home buyer. I handle many foreclosed blessing. But again there are lots of hoops to jump through and you have properties and also work with many buyers that are purchasing foreclosed to be EXTREMELY patient. Lenders are more than understaffed or short sale properties. Lending programs are changing not only on a and overloaded with short sales, foreclosures, and more. You are just monthly basis but, sometimes, even another ďŹ le on their desk so you have on a weekly basis. It’s hard to make to have someone that knows the decisions, especially large ďŹ nancial process, knows who to call, when ones without having all the facts in to call, what type of paperwork is front of you. Looking to ďŹ nd a deal involved, what type of ďŹ nancing can out there with a foreclosure? Think the sellers are so motivated they may be done, and on what type of homes.
RealtorÂŽ
REMAX ACORN PROPERTIES
REMAX ACORN PROPERTIES
It has been my goal to make your Real Estate experience of buying and selling your home stress free and enjoyable. This is a great time to buy a home with lower interest rates and the First Time Home Buyer $8,000 Tax Credit. I welcome the opportunity to work with you and help you attain the American Dream of homeownership.
Of course you need a Realtor that will keep you updated during this lengthy 2005 process. There are going to be so many buyers and sellers out there that are going to look back and thank their lucky stars they remained calm and had the right Realtor working for them. Oh, and if you thought there were no more loans out there that you didn’t need a down payment for...well surprise, they are out there!! With the continued education and experience I have in foreclosures just remember.... If you need questions answered, if you have concerns, just call me and I bet you will sleep tonight! I can’t do it without you! You shouldn’t do it without me!