First Time Buyers

Found 15 blog entries about First Time Buyers.

$260,000 -12510 NE 130th Way #B-101, Kirkland

Beautifully updated 1 bd/1 ba home is just a short walk to The Village at Totem Lake (Whole Foods, Trader Joes & More). Enjoy a generously-sized living area, adjacent dining space & laminate flooring throughout. Updated kitchen features newer cabinets/counters, stainless appliances & huge walk-in-pantry/closet. Large master offers walk-in closet w/ organizers. All appliances stay & balance of HOA assessment will be paid in full by seller. Community clubhouse, pool & hot tub w/ affordable dues.

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What's Important to You?

Whenever I meet a new client, I like to take some time and get to know them so that as we push forward to find the "right" house for them we are able to check the boxes off of what's important to them.   I always ask them to tell me first their {WANTS} and then their {NEEDS}....  so let's talk about how deciphering between the two can keep your eyes open to the big picture and not miss out on what might be the perfect gem.  So let's get to it!

{WANTS} Obviously, it is just that..... what do you WANT in your new home.  Here are some prime examples:

  • 3-Car Garage
  • 4 Bedrooms
  • Fully-Fenced Yard for your four legged babies
  • Big Kitchen with Stainless Steel Appliances
  • 2.5 Bathrooms

{NEEDS} Now let's dig a

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Protecting Your Investment

One aspect that is initially overlooked when you start the home buying process is if you are obtaining a home loan you will be required to have in place a Homeowner's Insurance Policy, often referred to as Hazard Insurance.    Once you are in a pending transaction, you will want to reach out to an Insurance Broker and let them know you are purchasing a home and discuss with them the coverage you will need for your new home.  Prior to closing you will receive a request from your Escrow Officer asking for the contact information for your Insurance Broker so they can obtain a copy of the Insurance Binder.    

We often receive calls from our home buyers who are seeking a recommendation for a "great insurance broker" --

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Below are some frequently asked questions regarding a property's title.  The answers below are short and sweet, but if you'd like more details or have other questions, please don't hesitate to contact us and we can place you in touch with a title officer.    

Why do some title reports call for an inspection?

When a title company performs an inspection, which is about 15-25% of all transactions, they look for the following:  
  • Evidence of recent improvements (thus, potential mechanic’s lien rights)
  • Evidence of encroachments
  • Evidence of parties in possession
  • Evidence of unrecorded easements
  • Evidence of anything else that might impair our coverage
The inspection can be “triggered” if:  
  • Tax values jump
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Here are a few that can delay and / or kill a real estate transaction:

 

  • Don’t deposit cash into your bank accounts.  Lenders need to source your money and cash is not really traceable. Small, explainable deposits are fine, but getting $10,000 from your parents as a gift in cash is not. Discuss the proper way to track your assets with your loan officer.
  • Don’t make any large purchases like a new car, appliances or a bunch of new furniture.  New debt comes with it, including new monthly obligations. New obligations create new qualifications. People with new debt have higher ratios…higher ratios make for riskier loans…and sometimes qualified borrowers are no longer qualifying.
  • Don’t co-sign other loans for anyone. When you co-sign, you
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Fires Related to Aluminum Wiring

Due to implications in numerous house fires, the once common practice of using aluminum wiring during the 1970's is no longer permitted in new installations in most jurisdictions. If your house has aluminum wiring you do not necessarily need to panic. Aluminum wiring can be just as safe as copper wire as long as it has been installed correctly. The concern with aluminum wiring is that it is very unforgiving if it has been installed incorrectly.

 

How Aluminum Wiring Reacts

Aluminum wiring expands when it warms up, and contracts then it cools down. Aluminum reacts differently than copper wire after several warm/cooling cycles. After each cycle aluminum tends to lose more of its tightness. This process is often…
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Congratulations to my first time home buyer clients, Nate & Christie on the closing of this wonderful home in the Sherwood in Silver Firs neighborhood of Everett; If the Silver Firs neighborhood interests you, let us know - we are Everett and Silver Firs real estate specialists.





 
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trade_up_400More first-time home shoppers say they want a house they can “grow into” not a home they can quickly grow out of. 

With big housing bargains and low mortgage rates, some first-time buyers have decided to go big with their home purchase and sidestep the traditional smaller “starter house.” 

A growing number of real estate professionals are reporting that childless, twentysomethings who have strong incomes are taking advantage of housing deals and looking for their dream house now, rather than wait until later. 

A Minneapolis couple purchased a 3,000-square-foot-home as their first home. "The more starter homes we saw, the less impressed we became. ... Since we knew we could easily afford to

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