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Info from NAR Follow-up: Flood Insurance Extended By Congress   Congress recently extended the nation's flood insurance program for five years before adjourning for the July 4th holiday weekend.  Click here to read more.
Info from NAR Foreclosure Errors May Net Kitsap County Homeowners $125,000   This is a new program to help homeowners whose home was foreclosed in 2009-2010 under questionable circumstances.  Click here to read about this program.
Kitsap County Does Anyone Need Flood Insurance in Kitsap County?   When we think of flood insurance some of us think immediately of hurricane damage to the Gulf of Mexico states and those along the southeastern United States. For those of us living in Kitsap, Jefferson and Mason Counties we're safe…right?  Think again!  How many of us have homes that are in the flood plain […]
Certified Residential Specialist What Should You Expect From A REALTOR   Click here to read a very short article from the Council of Residential Specialists (CRS) addressing a survey of buyers and sellers to determine what they expected from their REALTOR. If you’re looking for someone to represent you, this should be a useful tool for your interview.
Helpful tips Appraising Property in Kitsap County   Click here to read about one of the most frustrating situations in the sales process: the appraisal “comes in” below the agreed sales price on the purchase and sale agreement (which the appraiser should have). The mortgage lender requests an appraisal through an AMC, a third-party entity that is supposed to ensure the appraised value […]
Finance Does it Make Financial Sense to Refinance in Kitsap County?   It takes a bit of time now to refinance your home mortgage and I’m not suggesting that it’s not a good idea to lower your monthly payment but there are several other considerations before you move down this path. First, how long are you planning to stay in your house and second, what costs […]
Info from NAR Judicial vs. Non-judicial Foreclosure Procedures   As I’ve mentioned in previous posts, there are many different factors that affect our housing markets throughout the United States as well as Washington State.  The real challenge is to try to figure out which one (or ones) will have the most effect at any particular time.  In this case, the foreclosure procedures used […]
Uncategorized Here’s a Little Levity for a Change   I heard about this a week ago but click here to read the article I received from the National Association of Realtors® email service. I wonder what the good citizens of Marin County will do now?  Serves ’em right!
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Info from Washington REALTORS Short Sale Adendum Video-Part 3   Click here to view the final installation from Washington Realtors® CEO Steve Francks and our staff attorney Annie Fitzsimmons talk about short sale addendums.
Finance Qualifying for A Home Mortgage   Two weeks ago I posted on how to go about checking your credit report.  Once you’ve done that and corrected any errors then the next step is to actually get your credit score.  As I mentioned you can do that for $7.95 or you can get your credit score from a lender (if you’re starting […]
Finance End of the Bush Tax Cuts Coming   This post is based on an article from the May 19-20, 2012 edition of The Wall Street Journal.  I’ll describe the potential changes if the tax cuts are not extended (it’s not certain) and how I believe this will affect housing markets, especially Kitsap County’s. The tax cuts enacted by President Bush are scheduled […]
Info from Washington REALTORS Short Sale Addendum Video: Part 2   Click here to listen to Steve Francks and Annie Fitzsimmons talk about the short sale addendum developed by the Northwest Multiple Listing Service in the purchase of a short sale property.
Finance Caught by Surprise   This article from the National Association of Realtors® appeared several days ago in my email inbox and I was a bit surprised this hadn’t been “shopped around” or maybe it has and I just missed it. It does make sense for Bank of America (and other lenders for that matter) to offer this incentive […]
Kitsap County Website Links for Kitsap County   I have added several links on my site front page which provides info on local schools (public and private), access to national and state Realtor® organizations and statistics, local and national newspapers plus Kitsap County happenings. There’s lots of info in them which should be helpful.
Info from Washington REALTORS Short Sale Addendum Video: Part 1   If you think you might be interested in purchasing a property listed as a short sale, take five minutes to listen to this video from the Washington REALTORS@. Steve Francks, CEO Washington REALTORS@  introduces Annie Fitzsimmons who is our staff attorney. Click here for the video.
Local real estate trends Kitsap County Stats – April 2012 The chart above provides a graphic of the absorption rate based on closed sales overall for Kitsap County. I mention overall because there are at least 11 unique markets within Kitsap County (location, view, waterfront, size etc.) so you’ll need to refine these stats based upon your specific focus (which can be done). This chart […]
Finance Checking Your Credit Report   If you’re thinking about stepping forward and purchasing a home (or making a purchase in general, say a car) and not paying cash, whoever is providing financing is going to check your credit immediately. You can get one step ahead in this process by contacting each of the credit reporting bureaus (Experian, Equifax and […]
Info from NAR Homeowner Relief Program Update 1   Last month I posted about the $25 billion mortgage relief program that Bank of America, Wells Fargo and three other mortgage lenders agreed to participate (with help from several states attorneys general and the federal government). Well it’s a go so click here to read what Bank of America is planning to do.  You […]
National real estate trends Economic Recovery and the Housing Market   Former British prime minister and parliamentarian Benjamin Disraeli once said “there are three types of lies: lies; damn lies; and statistics.”  What a great lead-in for this post. An opinion article titled The Vanishing Workers in last Saturday’s (May 6, 2012) Review & Outlook section of The Wall Street Journal addressed the current status of […]
State real estate trends Washington State Short Sale Legislation   This year’s Washington State Legislature recently passed House Bill 2614 which creates new law and revises existing law with regard to short sales for owner-occupied properties.  Here a several important points: Upon its first written notice to the seller, the lender must provide notice that it either “waives” or “reserves” the right to collect the full […]
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