14901 24 8

RealEstateBook.com

COVER HOME: Live and Play on Snohomishsdesirable Dutch Hill! (425) 953-4090

Request FREE MAGAZINES online, or call 800-841-3401.

THERealEstateBookVolume 24, Issue 8

NORTH KING AND SNOHOMISH COUNTIES, WA

CONTACT: Lynette Thomas

Text P849857 to 85377

Property details on page 6.

Get more photos and details from your phone.Windermere RE/Mill [email protected]

TO ADVERTISE, CONTACT:Sharman Burnam 360-333-9566

[email protected]

In this issue: Which Lending Option Is Right For You?

14901.24.8 Cover_LiveEditCover 11/5/2015 9:09 AM Page 1

Office: (360) [email protected]

731 2nd St, Snohomish, WA 98290Windermere Real Estate / Snohomish, Inc

MONROE - Like new! 4 car garage + parking and room foryour toys. Expansive chefs kitchen w/ new granite, carpet-ing, paint, oak floors, central vac, wainscoting. Much more!$505,000 360-568-1537

SNOHOMISH - A fantastic opportunity to build your dreamhome on Dutch Hill. Private, quiet 5 acres lot mostly cleared,with endless options, perfect for barn & pasture. $275,000 360-568-1537

SNOHOMISH - Regal Home on 2.5 pastoral acres nearRiverview Elementary on Fobes Hill. Backs to Native GrowthProtection Area. Grand entry, curved stairwell, mtn views.$569,000 360-568-1537

SULTAN -A little over 5 build-ing acres in Sultanoff Sultan BasinRoad. Mostly levelwith trees andundergrowth. Buyboth lots for 10+acres of peaceand tranquility!$75,000360-568-1537

SNOHOMISH -Spacious &charming! Wideopen great room,dining & kitchen,w/ private patio &yard just outsideyour back door.Lovely MasterSuite w/ views.$249,950360-568-1537

SNOHOMISH - First time on the market in over 60years!Original millwork, vintage hardware, doorknobs and fir floors.Nostalgic red barn & detached carriage house. Zoned R5. $850,000 360-568-1537

EVERETT - Sprawling 3200+SF, 5 BD+ denrambler w/ daylightbasement. Chickitchen w/ cherrycabs, quartz coun-ters & upscaleappls, & gleaminghardwood floors.$520,000360-568-1537

SNOHOMISH - 4 BD, 2.75 BA, 3810 SF w/ mountain, river &territorial views. Completely remodeled! Granite counters,cherry cabinets. Huge RV garage & shop w/ full hookups. $699,000 360-568-1537

BREATHTAKING MOUTAIN VIEWS SPARKLING ESTATE ON 1 ACRE

TWO SIDE-BY-SIDE LOTS AVAILABLE

DELIGHTFUL DOWNTOWN TOWNHOME CLASSIC FARMHOUSE ON 10 ACRES

MOUNTAIN & VALLEY VIEWS VIEW HOME ON CLEARVIEW HILL

IDYLLIC RURAL SETTING

f{|{WindermereR E A L E S T A T EWindermere Real Estate / Snohomish, Inc.

14901.24.8 WRESnoh 11/6/2015 10:34 AM Page 1

BELLEVUE - BRING YOUR VISION 3 bd w/ excellent bones.Upgraded roof, exterior & interior paint, kitchen. New laminatefloors up & down. Oversized lot w/ fruit trees. Garage convertedto rec rm/shop. MLS/ID:863866 Text P851068 to 85377

EVERETT - COMMERCIAL 210 Evergreen Way frontageZoned B2. Located in highest density mixed use zone ofEvergreen Revitalization Plan. Two buildings. Multiple develop-ment possibilities. MLS/ID:847337 Text P473060 to 85377

ARLINGTON - CHARMING PERIOD HOME Modernized 4BD, 2 BA, 2560 SF w/ classic hardwood floors, highly functionalbuilt-ins, beautiful dining room, bonus rm, huge rec rm, bar,MORE! MLS/ID:858451 Text P850787 to 85377

MUKILTEO - GROUND FLOOR UNIT Well-maintained gatedcommunity. Convenient kitchen, living rm w/ fireplace & slider tohuge covered patio. Large master. Covered parking. Clubhouse& pool. MLS/ID:854747 Text P850788 to 85377

MUKILTEO - ON THE 13TH HOLE 4 BD on large lot, circularfloor plan, gorgeous vaulted entry, spindled staircase. High-endfinishes, wainscoting, crown moulding. Living w/ marble fplc &cathedral ceiling. MLS/ID:798983 Text P725702 to 85377

MUKILTEO - STRIKING SOUND & MOUNTAIN VIEWS 4 BD,2 BA w/ new 50 year roof. Master bath w/ 5 piece MB. Newerfurnace/water heater. Grand staircase. 3,618 SF of elegance!Huge 2nd rec rm. MLS/ID:844567 Text P818977 to 85377

425-921-2200www.edmondsrealty.net

Edmonds Realty, for the Entire Puget Sound Area

$623,000

$295,000

$205,000

$950,000

$2,100,0

00$575

,000

Dennis HowardOwner

425-921-2200www.edmondsrealty.net

Lucille NolOwner

FOR RENT Commercial &ResidentialEdmonds Realty is fully equipped to meet all yourneeds, from helping you find a rental at the rightprice to managing your investment property.

To see a list of properties available, visit

www.EdmondsRealty.net/commercialresidential-rentals.html

Services offered Day to day operations & maintenance Collections & Accounts Payable Reporting &statement preparation Yearly budgets & More

Call 425-921-2200 to discuss how Edmonds Realty can make owning investment properties trouble free.FOR RENT

14901.24.8 EdmondsRE 11/6/2015 10:21 AM Page 1

HUDHomes!!

Equal Housing Opportunity

SaveThousands!

Wendy Smith (360) [email protected]

DUPLEXQuietMarysvillenbhd.New onmarket! Eachside features 2bedrooms, 2.5bathrooms,spacious livingroom, larg yardand upperdeck. #R315HUD Home!

CAMANO ISL Open floor plan 3 BD, 2 BA MH w/ vaultedceilings & wood burning stove. Deck off front entrance.Nice .24 acre yard. Home needs some TLC. #R312

ARLINGTON3 BD, 1.5 BArambler w/ lgliving room w/laminate floors.Large fencedyard w/ a wraparound porch &storage shed.Large 2 cargarage. #R318

CUTE CABINSTYLE HOMEon nearly 1/4acre secludedlot. 3 BD w/ oneon main floor.Vaulted ceil-ings, skylights& wood burn-ing fireplace.Storage shed.#R308

BLUE SPRUCEacross fromriver! 4 BD, 1.5BA on large 3/4acre lot & cul-de-sac. Bigentertainmentsize deck. Nicecommunity w/club house&seasonalpool. #R240 VIEW RIDGE RAMBLER w/ daylight basement on asecluded 1/2+ acre! Living/dining rm w/stone fireplace, lg

deck, large rec room w/wet bar. Sprinkler sys. #R241

$70,200

$280,000

$120,000

$125,000

$122,728

$395,950

For More Info Text P486804 to 85377

For More Info Text P833425 to 85377For More Info Text P847652 to 85377




EVERETT RAMBLER on .24 acre lot w/ room for all yourtoys! Near Boeing & I-5 for easy commute. Large familyroom w/ vaulted ceilings & formal sitting area. #R301

ABSOLUTELY ADORABLE Arlington 3 BD, 1.5 BA. Largeliving room w/ fireplace, sun rm/dining w/ built in hutch.Wood floors throughout. Detached 2 car garage. #R290

FREE HUD Home list call 360-454-0629or visit www.Hudhomestore.com

$279,950


$279,000


HUDHome

HUDHome

HUDHome

Page 4

HUDHome

HUDHome

14901.24.8 WendySmith 11/6/2015 10:33 AM Page 1

NowAccepting NewProperties

Melanie MaddyProperty Manag er

[email protected]

Stacey SalyerDesignated Broker

[email protected]

For more information, Call 425-870-9282.www.HimalayaPropertyManagement.com

OUR FOCUS IS ON YOUR INVESTMENT

Our Focus Is Residential Property ManagementWe specialize in managing residential properties in Snohomish and Skagit Counties

Let us help you get the most out of your investment

DIAMOND POINT Building lot on pri-vate cul de sac. Just a short drive toSequim. Airstrip access & Communitybeach w/ small boat launch.

Text P743100 to 85377

Page 5

BREATHTAKING VIEWS RemodeledKitchen w/ Corian, r ich HickoryCabinets, NEW laminate floors & SSappliances. Workshop. Three beaches.

Text P813819 to 85377

$259,500

$39,000

$199,999

SELLER SAYS SELL! Beautiful park-like setting. MIL potential w/ 3 BD, 2 BA on main w/ master ensuite. Chefs kitchen w/ loadsof Cabinets. 2 BD, 1 BA, LARGE family rm w/ full kitchen in fully finished daylight bsmnt. Jetted tubs in both gorgeously tiled bath-rooms. Huge deck overlooking luscious backyard. Shop, Garage, Storage, Gas FP up, wood burning FP dn. RV Space. WOW!

For more photos and information, Text P823292 to 85377

BED & BREAKFAST Victorian built in1896. Commercial kitchen. On the mainhwy in Davenport WA, with great expo-sure. Double lot, large garage.

Text P487573 to 85377

Karen Eckerson

(425) [email protected]

www.karen.withwre.com

$325,000

Windermere Real Estate / JS

FREE 4% down payment assistance CLASS Marysville Windermere. 2015 New Loan Programs.

Call 425-238-2023 for class schedule.

14901.24.8 Karen Himalaya_9300.QXT 11/6/2015 10:23 AM Page 1

ON THE COVER

AMAZING CUSTOM RAMBLER 4 BD, 3 BA, 3326 SF w/ great room floor plan &first-class finish work. Heated floors, slab granite and maple cabinetry, sumptuousmaster ensuite, chefs kitchen with all the bells and whistles. Outdoors there areTHREE garage/shops (room for 10+), car lift, heated concrete flooring, party rooms,custom built-in bar, entertaining patios, waterfall, pond and more. River rock + cedarexteriors. Everything is overbuilt and spectacular in quality. $1,275,000For more information, Text P849857 to 85377

Lynette Thomas425.953.4090

[email protected] Director

Equestrian | Homes on Acreage

ONLINE Visit www.TheRealEstateBook.com to search properties.

LOCAL PRINT * DIRECT MAIL

Sharman Burnam(360) [email protected]

Scan the QR Code toshop homes from

your mobile phone!

For Advertising information inTHE REAL ESTATE BOOK

North King & Snohomish Countiesfeaturing....

Arlington = Stanwood = Camano Island = Tulalip Marysville = Lake Stevens = Granite FallsSnohomish = Monroe = Sultan = Everett

Mill Creek = Mukilteo = Lynnwood = BothellWoodinville = Redmond = Kirkland Bellevue = Edmonds = Shoreline

ONLINE * SOCIAL * MOBILE

Poolhouse

DUTCH HILL HOME & 3 SHOPS ON 4.65 ACRES

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Real Estatesolutions for Real people.

Own a house you don't want?Need to move soon?

We buy houses & property.

CALL NOW (360) [email protected]

Mary DesseinManager

www.SnoCoInvestments.com

Windermere Real Estate/Mill Creek

Page 6

14901.24.8 masthead_Masthead_Full 11/6/2015 10:24 AM Page 1

ct _xtx(360) 631-7518 leamerpam@ gmail.com

ct _xtx(360) 631-7518 leamerpam@ gmail.com

RE/MAX GATEWAY914 15th St.

Anacortes WA 98221

LOTS FROM $84,500 TO $140,000 Nookachamp Hills, minutes from I-5,shopping, theatres and restaurants.Water sports, walking trails & golf near.Utilities incl. Skagit PUD water at lots.

Text P757338 to 85377

LUXURY APPOINTMENTS & valleyviews! 3 BD, 3.5 BA, 2343 SF condo.Hardwood floors, slab granite. Masterbedrooms on main & lower level. Recroom + 2 BD & BA on lower level.

Text P813836 to 85377

$339,000

BUILD HERE

NEW CONSTRUCTION! 3 BD, 3.5 BA,2417 SF w/ spacious kitchen & eatingbar. Hardwood floors, slab granite, tilefinishes. Gorgeous master suites onmain & lower level. Two gas fireplaces.

Text P813835 to 85377

100 FEET OF SIMILK BAY WATERFRONTConcrete bulkhead & boat ramp! Fabulous view of MountBaker and beautiful bay. Grow your own oysters! Qualitycraftsmanship with too many luxurious amenities to list.

To see more photos, Text P813837 to 85377

1.93 acres &3500 SF shop

$1,299,000

$369,000

REFINISHED HARDWOOD FLOORS Solid 4 BD brick homeon 3 lots. Gas fplc & heat, updated electric panel. Detachedgarage. Former Monte Cristo Award Winner. $389,950

Text P781445 to 85377

Robin Hammond MS, GRI, ASP (425) 343-2584 [email protected]

Windermere Real Estate / JS

NICE 4 BD, 2 BA Spacious, fenced backyard w/ lg deck forentertaining. Newer 30 year comp roof & Hardiplank siding.Oak cabinets, stainless finish dishwasher & stove. $272,950

For more photos & info, Text P834635 to 85377

EVERETT

STANWOOD

VALLEYS WEST REALTYhas been at the same primeConcrete, WA SR 20 location forover 35 years.

4HIGH VSIBILITY4New Building4Very busy office4LOTS of Walk-ins4Repeat BusinessThis is a great opportunity to ownyour future in a wonderful rurallocation in eastern Skagit County.

My retirement is your opportunity! $27,000 (Terms)Inquiries call Greg (360) 708-9707

For more photos & info TEXT T206417 to 85377

REAL ESTATE BUSINESSFOR SALE

Page 7

14901.24.8 PamLeamer 11/6/2015 10:52 AM Page 1

14901.24.8 EagleMort_JimEyre 11/6/2015 10:20 AM Page 1

Whether youre looking to make a first-time purchase, refresh an existing home, or simply leverage built-up equity for other reasons, its important to figure out which path is right for you and understand the lending options available.

First-time buyers must start with determining what is affordable. In addition to the mortgage payment, housing costs will include property taxes and homeowners insurance and fees, such as homeowner association dues. Altogether, costs should be no more than 28 percent of monthly gross income and should leave room to continue servicing other debt, such as student loans, credit cards, or auto loans.

When preparing to buy a home, work through credit pre-approval to be ready with a strong offer when the opportunity arises. In addition to reviewing credit history, a loan originator will consider the amount of the down payment. A down payment typically ranges from 3-20 percent. A down payment that is less than 20 percent may require you to purchase mortgage insurance. A mortgage originator, however, can provide a variety of lending options to optimize your investment, from 15- and 30-year mortgages to fixed and variable terms.

If planning to make some improvements to a much-loved residence, consider financing the

updates through a home equity line of credit (HELOC). Eligibility depends on how much equity has been built up in the home and the lenders loan-to-value ratio. A HELOC works much like a credit card and offers flexibility. A minimum amount is paid monthly, and interest applies to the amount borrowed.

Before embarking on a remodeling project, do some homework. Start with the lender to determine the value of the home and the loan amount available. Then, establish a budget that leaves room for unexpected expenses. Work with a reputable professional to define the project and its requirements, and shop around for bids and recommendations to confidently select a contractor. Some lenders offer checklists to help get the most from the investment.

Remember to consult a professional for advice applicable to your specific situation. Begin with a lender who can help you identify financial options available to homebuyers and owners today. With careful planning and budgeting, the financing you need may be well within reach.

WHICH LENDING OPTION IS RIGHT FOR YOU?

Who says you have to suffer through the whole winter season? You can easily take advantage of beautiful destinations while staying on a budget. Say goodbye to that cold and dreary winter vacation and spend it someplace better. Bring the whole family, too!

If youre not sure where to start, dont worry. Whether its snow skiing or sun bathing on the beach that youre after, The Real Estate Book has come up with a helpful list of vacation spots, where you can effortlessly cure your wintertime blues. Visit RealEstateBook.com to browse even more properties!

6Ski Spots

Silverthorne, COBeautifully situated in the Colorado Rocky Mountains, Silverthorne offers both visitors and residents breathtaking scenery you wont find anywhere else. There is always something to do in Silverthorne. And if you like skiing, well, lets just say youre in for a treat. Youll have easy access to four world-class ski resorts just within the Summit County limits.

Mammoth Lakes, CAThe lovely town of Mammoth Lakes is surrounded by two million acres of Inyo National Forest, where youll also have access to the Mammoth Lakes Trail System, which features more than 300 miles of trails. Additionally, there are countless mountain resorts where you can ski to your hearts content!

Beach Spots

Honolulu, HILocated on Oahus south shore, enjoy your winter vacation in Honolulu, Hawaiis capital city. Soak up some rays on the beach or explore the Waikiki neighborhoods dining, shopping, and awesome entertainment.

San Juan, PRPuerto Ricos largest city and capital, San Juan, sits on the islands Atlantic Coast. Spend your winter vacation on the most amazing beaches and entertaining attractions for the whole family.

West Palm Beach, FLEscape the cold during wintertime by renting a home in West Palm Beach, one of Floridas best and most enjoyable destinations. Youll never run out of things to do and may not want to leave when winter is over!

Corpus Christi, TXCome and stay for a while in Corpus Christi, a charming coastal city in the South Texas region. Youll have convenient access to the best beaches, bay front promenade, and even cultural entertainment in the arts and museum district.

HOW LONG WILL YOUR HOUSEHOLD FIXTURES LAST?

Many maintenance projects for homeowners involve replacing an outdated appliance or fixture, but it can be difficult to discern when a household feature needs replacement. One way to determine how often you should replace items is by its typical lifespan.

Fortunately, a lot of household fixtures wont need expensive replacements for some time. Garage doors, gas fireplaces and linoleum floors are expected to last 25 years. Whirlpool bathtubs and sink faucets can last up to 20 years. Gas ovens and garage door openers may last 18 years, given proper care.

Other common appliances and fixtures, however, wear out more quickly. Though washing machines are expected to last 15 years, dryers are expected to last 13. Refrigerators can last up to 13 years, as well.

Food Disposals, Water

Heaters (12 years)

Plasma Televisions (11 years)

Lawnmowers, Carpets

(10 years)

Microwaves, Dishwashers

(9 years)

Air Conditioners (Window

Unit), Mattresses (7 years)

Rugs (5 years)

Laptops (4 years)

Roomba, Keurig Coffee

Maker (2 years)

And the fixture that lasts

longest? Coming in at 45

years, your doorbell will

likely continue to operate

after youve moved on from

your current home.

THE NUMBERS GO DOWN FROM THERE:

Source: RISMedias Housecall

2014 AWARD OF EXCELLENCE

10201.24.8 COPAC 11/6/2015 10:35 AM Page 1

CHERIE RUCHTYOwner, Designated Broker

[email protected]

Office: 360-659-9751www.KeystoneRentalsRealEstate.com

Specializing in Property Management

1402-C 7th StreetMarysville, WA 98270

MARYSVILLE LOW BANK WATERFRONT! Enjoy mountains, water and daily sunsets from livingroom or launch boat from private boat launch right onwater. Multilevel custom home features kitchen, living,dining and Master Bedroom on main level. Bonus roomand 1/2 bath lower level and 2 bedrooms, 1 bath upperlevel. Wood burning stove and Propane fireplace (tanksnot included) and boiler furnace heat system. 2 car car-port with storage attached to house, 2nd tax parcel hasa two car garage + workshop. $668,000

For more photos/info, Text P836524 to 85377

Keller Williams NW RE, LLCHUD HOMESHUD HOMES

Do You Knowthe Current Market Value of your home?

If you are interested in selling, Please call for aComplimentary Value Update of your home.

425-239-1184

Text any P Code to 85377 for Instant Viewing on your Phone

GREAT LOCATION! Spacious & functionalkitchen w/ plenty cabinetspace. Fully fenced backyard is large with coveredpatio so you can enjoy yearround grilling. Close togreat shopping, schools, I-5and Hwy 9.

MARYSVILLE - Text P245868 to 85377FABULOUS KITCHENSizeable island, large cabi-nets, & lots of room to move.One of the biggest back-yards in the neighborhood!Massive deck w/ built inbench seating. SpaciousMaster suite. FHA Case 561-837282. Sold As Is.

LAKE STEVENS - Text P192172 to 85377

*What is a HUD Home?*Where can you find HUD homes for sale?*How much do you qualify for and what will your monthly payments be?*How to make an offer on a HUD home, and More.For More Information or to Register

Call 425-239-1184

WASHINGTON HUD HOMEBUYING SEMINARTIPS & SECRETS

Great for 1st Time Home Buyers or Investors. Limited Seating. 6120 Grove, Marysville Library

December 1, 2015 6-8 PM

CKRealEstateTeam.com

BRIGHT & AIRYSuperb kitchen w/ slab gran-ite counters, great cabinets,& island w/ bar. Open floorplan flowing from kitchen,living area, & eating space.Fireplace for nice ambianceand warmth. FHA 561-972598. Sold As Is.

MARYSVILLE - Text P168527 to 85377

Terrific Values - Save ThousandsTerrific Values - Save Thousands

How to buy aHUD-owned

home

DEAL OF THE MONTH

CKRealEstateTeam.com

Page 14

14901.24.8 FooteCK 11/6/2015 10:11 AM Page 1

Brenda HaugDesignated Broker/Owner

866-768-7910425-290-2125 (cell)Land Residential HUD Foreclosures

Making your dreams affordable28 years of experience

[email protected]

Page 15

Lilyan [email protected]

Trust Service

Experience

SOUND VIEWS! Chefs dreamkitchen w/5 burner gas range & potfaucet, 2 dishwashers, 2 convec-tion ovens, + abundant storage &heated t i le f loor. 2 masters +den/office/ 3rd BD. Uti l i ty/mudroom, low energy hot tub, green-house, 4 view decks, garagew/workspace, and MORE!

Text P272438 to 85377

GLENEAGLE Townhome 3 BD, 2.5 BAw/ open floor plan. Private yard w/viewof golf course. Large Master BD w/vaulted ceiling. Backs to 14th tee.

$242,000

Text P194075 to 85377

ARLINGTON 4 BD, 2.5 BA, 2324 SF w/formal living & dining. Big kitchen w/slab granite. Hardwood floors. Coveredpatio. Fannie Mae HomePath Property.

EMERALD GARDENS 3 BD, 2 BAcondo. Very open floor plan! Large livin-groom w/gas fireplace. Big kitchen.Garage and assigned parking space.

COUNTRY ESTATE 3200 SF on 2+acres. Welcoming wraparound porch.Bonus rm. In-ground heated swimmingpool! 4 car attached garage, RV pkg.

$344,900

$187,500

$549,950

Text P785377 to 85377 Text P517505 to 85377Text P846471 to 85377

LIGHT & BRIGHT Arlington Rambler. 3BD, 2 BA on 10,000+ SF lot. Very openfloor plan w/ vaulted ceilings, plantshelves, new flooring. HUGE kitchen

QUALITY THROUGHOUT! 3 BD, 2.5BA, 3340 SF. Grand entry & handicapaccessable chair lift in garage. Masteron main. Gardens, waterfall & patio.

$279,950

$949,000

Text P272439 to 85377 Text P821538 to 85377

$595,000

RARE 5 BD, 3 BA HOMEFloor to ceiling windows inliv rm plus skylight w/vaultedceilings, gas log fireplace,brkfst bar, deck. Lower lvlpossible apartment. FannieMae HomePath Property.Text P157843 to 85377

$324,900

TWO K

ITCHENS

14901.24.8 Haug Folk_0100 11/6/2015 10:22 AM Page 1

FIRETRAIL3 BD, 2 BA, Over 1492 SF, Built in2009, .46 Acres, Gourmet Kitchen

Ad#835546

.95 ACRES3 BD, 1 BA, 1442 SF, Large Rambler,Some Updates, 4-Car Garage/Shop

Ad#767949

HISTORIC SNOHOMISH3 BD, 2.5 BA, 1777 SF, Main FloorHardwoods, Gourmet Kitchen

Ad#848062

CLEARVIEW3 BD, 2 BA, OVER 1792 sq ft, 1.37Acres, New Woodstove, Den/4th BR

Ad#854013

GRANT MONEY BUYER CLASS

FREE Grant MoneyTowards Down Payment

425-876-4663

NORTH MARYSVILLE3 BD, 2 BA, Huge Fenced Backyard w/3 Decks, Family Rm, Master Suite

Ad#852323

LARGE CORNER LOT2 BD, 2 BA, OVER 1512 SF, 2-Car

Detached Garage, Huge Fenced YardAd#854022

Call Today

and Ask for Your

FREEHUD Photo List!

(877) 736-8036Or go to

www.mygovphotolist.comSOUTH EVERETT

3 BD 2.25 BA, Fireplace, Family Room,Large Gourmet Kitchen, Huge Yard

Ad#861262

Great HUD Homes$$ Save Thousands $$

HUD Homes Specialist Michael Killmer

(877) 736-8036 [email protected]

To see more info, text the T Code to 85377

Text P833861 to 85377

Text P196261 to 85377 Text P196345 to 85377

Text P813846 to 85377 Text P680364 to 85377 Text P833862 to 85377

Text T329994 to 85377

MARYSVILLE

EVERETTLAKE STEVENS

SNOHOMISH

SNOHOMISHTULALIP LYNNWOOD

14901.24.8 MikeKillmer_1202 11/6/2015 10:25 AM Page 1

14901.24.8 C21 11/6/2015 10:12 AM Page 1

Scan code toshop homes now.Real Estates Most Trusted Multimedia Brand

Text Codes*found for listings in this magazineallow mobile phone users to instantly view a mobile sitefor more photos and details about the listing.

Learn about our marketing strategy for your home @

RealEstateBookMediaKit.com

MOBILE FEATURES IN OUR PRINT ADS

Send text codes to85377

for more information.

**Standard textmessaging fees apply.

TREB_USA_Filler_TextCode_Full:TREB_USA_Filler_TF37_Full 7/6/12 10:51 AM Page 1

Janice Seth Call me today for a FREE Market Analysis of your home or property!(425) [email protected]

Janice Seth

5 Great Locations to Serve you From:BELLEVUE MARYSVILLE BOTHELL EVERETT NORTHGATE

GORGEOUS 4BD, 3.5 BA, 5000+ SFon 1.21 acres. 2-storyentry w/ Juliet balcony,study w/ wood wainscot-ing, 8 french doors.Gourmet kitchen w/Bertazzoni Italia doubleoven, 8x5 Calcutta mar-ble isl. 4 car garage, RVpkg, Guesthouse. Covddeck w/ FP, BBQ Stub.Snohomish $1,425,000

POSSESSION BAYBeautifully appointed 3BD, 2 BA open conceptrambler w/ vaulted ceil-ings & skylights.Traditional kitchen w/eating nook. HugeMaster w/ 5 piece ensuite bath & walk-in clos-et. Manicured landscapew/ drip irrigation system.Unfinished basement.Mukilteo $449,000

GORGEOUS REMODELBrand new kitchen w/custom cabinets & slabgranite. New wood floors.Updated wiring &plumbing, new windows,and new carpet & paint.Master suite w/ heatedfloors in BA. Lg garage +detached 160 SFstudio/workshop. Hugelevel & fenced yard.Everett $272,450

OVER 12 ACRESRiparian parcel, creek,zoned 17.03.075, possi-ble short-plat for twodwellings per acre. Twosides w/ road frontage.Great investment forhome builder, equestrianestate. Two outbuildingson site, one w/ electricity.Close to Cameloch GolfCourse and shopping.Camano Isl $245,000

Text P312686 to 85377

Text P782436 to 85377 Text P312687 to 85377

Text P782436 to 85377

Page 19

14901.24.8 Janice 11/6/2015 10:20 AM Page 1

Visit www.wini.com/winwa

Serving clients in Skagit, Whatcom & Snohomish Counties

Mount Vernon / Whatcom360.320.8133

Chad KnowlesWA Lic. #307

Brian FishWA Lic. #887

Jamie JasperWA Lic. #1181

Everett / Marysville425.327.6188

14901.24.8 WIN 11/6/2015 8:54 AM Page 1

Source: ClosetMaid

Transform Small Spaces into Charming PlacesIn home listings across the country, the word small is often replaced with a far more marketable and appealing word: charming. But what makes a home charming compared to small? How does a homeowner transition a cramped room into a space with unique and appealing character?

Create special spaces and storageCarefully consider the functions of any space, such as TV viewing, reading, or computer use, so that only the items needed for those specific functions are stored there. Understanding how this space is utilized will make it easier to establish dedicated zones and supplies for each activity. Be sure to also create proper storage to manage and maintain a clutter-free home.Make it larger with lightingClearing a small home of its clutter will automatically make it seem larger. However, the illusion of more space can also be enhanced with proper lighting. The right lighting will also play a big role in helping create a more charming feel.

Recessed lighting is visually appealing and perfect for small spaces. You can also affect a rooms lighting with low-cost or no-cost solutions that make the most of the spaces built-in features. For example, highlight windows instead of covering them, or make the fireplace a focal point.

Add charming detailsWoodwork is another simple embellishment that adds instant character and charm without affecting usable space. A chair rail, crown molding, or even baseboards can help take a standard room and outline it with interesting architectural elements.

By managing clutter, using lighting to create bright and airy spaces and incorporating simple architectural elements, you can easily transform a cramped area into a charming and inviting room that you or a potential buyer can enjoy.

HOME SECURITY TIPS TO LIVE BYDid you know that every 15.4 seconds, a burglary occurs somewhere across the United States? If youre a victim, your family may be left feeling vulnerable and violated. So can you protect your home and loved ones? Well, you should first understand some things about this crime.

WHEN & HOW DO BURGLARIES OCCUR?

The majority of home and apartment burglaries occur during the daytime when residents are away from their house, most likely when theyre at work or school. Home theft is most frequent in the months of July and August, and the fewest burglaries occur in February.

According to the FBI, 70 percent of home burglars use some amount of force to enter a residence, but their preference is through an open door or window. Also, you may be surprised to know that homes are not randomly selected. Burglars look for unoccupied homes with the easiest access, greatest amount of cover, and with the best escape routes.

Fortunately, there are ways you can minimize your risk to keep your family and belongings safe. Heres how to make your home look unattractive to burglars.

Source: Crime Doctor

1. DOORS & LOCKSThe more difficult that your home is to break into, the less likely burglars will want to put forth the effort. The FBI recommends using high quality Grade-1 or Grade-2 locks on your exterior doors to resist twisting, prying, and lock-picking attempts. Consider implementing these additions in your home:

Solid core or metal door for all entrances

Quality, heavy duty, deadbolt lock with a one-inch throw bolt

Quality, heavy duty, knob-in-lock set with a dead-latch mechanism

Heavy duty, four-screw, strike plate with 3-inch screws to penetrate into a wooden door frame

Wide-angle 160 peephole mounted no higher than 58 inches

2. WINDOWSIt is much more common to leave a window open or unlocked than a door. If the burglar sees a home from down the street that has an open window, they will commonly choose that home to burglarize.

Secure all accessible windows with secondary blocking devices

Block accessible windows open no more than 6 inches for ventilation

Make sure you cant reach through an open window and unlock the door

Make sure you cant reach inside the window and remove the blocking device

Anti-lift devices to prevent window from being lifted out

Crime prevention or alarm decals on ground or on windows that are within reach

3. LIGHTINGKeeping a couple interior lights on gives burglars the message that someone is home. If you dont have one already, light timers are super inexpensive and easy to find. Use a light timer (even when youre not on vacation) near the front and back windows behind closed curtains. You should also follow these rules:

Exterior lighting should allow 100 feet of visibility

Use good lighting along the pathway and at your door

Use light timers or photo-cells to turn on/off lights automatically

Use infrared motion sensor lights on the rear of single family homes

4. ALARM SYSTEMSIf used properly and consistently, alarm systems add a huge benefit to your homes overall security. As a matter of fact, burglars will often give up on trying to break into a home if it has visible alarm signs in the lawn or decals on the window.

5. GET TO KNOW YOUR NEIGHBORSWhen it comes to the safety of your home, its important that you establish some sort of communication and trust with your neighbors. Good neighbors will watch out for your home when youre away, and can let you or the police know about any suspicious activity going on. Remember to always keep safety first, communicate, and stay informed!

Source: ABA.com

Request a copy of your credit reportand make sure it is correct.

Your credit report illustrates your credit performance, and it needs to be accurate so that you can apply for other loans, such as a mortgage. Everyone is entitled to receive a free copy of his or her credit report annually from each of the three credit reporting agencies, but you must go through the Federal Trade Commissions website at www.AnnualCreditReport.com or call 1-877-322-8228. Note that you may have to pay for the numerical score itself.

Set up automatic bill pay.

Payment history makes up 32 percent of your VantageScore credit score and 35 percent of your FICO credit score. The more you pay your bills on time, the better your score. Avoid missed payments by setting as many of your bills as possible to automatic pay.

Keep balances low on credit cards and revolving credit.

Racking up big balances can hurt your scores, regardless of whether you pay

your bills in full each month. You often can increase your scores by limiting your charges to 30 percent or less of a cards limit.

Apply for and open new credit accounts only as needed.

Keep this in mind the next time a retailer offers you 10 percent off if you open an account. If you need a new line of credit, dont jump at the first appealing offer; compare rates and fees offered through mail solicitation, on the Internet or at your local bank.

Dont close old paid-off accounts.

According to FICO, closing accounts can never help your score and can in fact damage it.

Talk to credit counselors if youre in trouble.

Using legitimate, non-profit credit counseling can help you manage your debt and wont hurt your credit score. For more information on debt management, contact the National Foundation for Consumer Credit by visiting www.NFCC.org.

6 GOOD CREDIT HABITS OF BUYERS AND RENTERS

Your credit score has a critical impact on your housing options, and healthy credit is essential to buying a home or renting one. An important step to finding a home, whether youre renting or buying, is ensuring that you have a good credit history, says Frank Keating, president and CEO of the American Bankers Association (ABA). A strong credit score can open doors to better homes and lower mortgage rates.

To build a good credit history, the ABA recommends adopting these habits.

14901.24.8 EagleMort_PamV 11/6/2015 10:21 AM Page 1

14901.24.8 ReddenPeterson 11/6/2015 10:30 AM Page 1

Windermere Real Estate/JS 801 State Ave. Marysville, WA 98270 Office: (360) 653-2509

[email protected]

(877) 254-3003

NATALEE KNOWS HOW TO SELL HOMES, CALL HER TODAY TO LIST YOURSNATALEE KNOWS HOW TO SELL HOMES, CALL HER TODAY TO LIST YOURS

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Windermere Real Estate/JS

NTNatalee Thurston

LOCATION~LOCATION~LOCATION St.Mortiz at Mill Creek located nextto the Mill Creek Country Club. Quiet & secure 2 bedrooms +office/den/guest room, 2 full baths, master bedroom with walk-in closet,vanity area and full bath. Large windows & balcony overlook a lush NWgreenbelt of trees. Kitchen is the perfect size for this easy lifestyle.

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14901.24.8 Thurston 11/6/2015 10:32 AM Page 1

425-328-67981802 Pacific Ave.Everett WA 98201

NMLS ID 114563Sr. Loan Originator

[email protected]

www.JenieJones.com

Jenie Jones

Ask me about Down Payment Assistance Programs

and Tax Breaks for first time homebuyers 425-328-6798

LeaderOne Financial Corporation 11020 King Street, Suite 390; Overland Park, KS 66210, NMLS ID #12007. You may view our license information on the Nationwide Mortgage LicensingSystem (NMLS) at www.nmlsconsumeraccess.org. LeaderOne Financial Corporation is licensed with the Washington Department of Financial Institutions, License No. CL-12007, BranchLicense No. CL-266464.

Page 28

14901.24.8 LeaderOne_Full Page - Basic 11/6/2015 10:24 AM Page 1

Auto * Boat * RV * Motorcycle Home * Rental * Business

Flood * Umbrellas

Victor Kloch (clock)Direct: (425) 212-3533

Fax: (866) [email protected]

Page 29

Visit my website www.JenniferMcGuire.com and SEARCH allproperties for sale, or read my satisfied Client testimonials.

Jennifer McGuire HenshawMLS, CRS Member, ABR, ASP, CDPE, SCCAR.

RE/MAX Hall of Fame

Cell: (206) [email protected]

Choose Experience, Knowledge and a Broker you Trust!

Nor thwest

JUST LISTED!Updated 3 BD, 2.5 BA w/ 2 Car garage.Kitchen w/ stainless steel appliances &breakfast bar. Downstairs office/livingarea or use for formal dining. Brand newcarpet and paint throughout. Faux woodblinds, and W/D included. Convenientlocation in Smokey Point near shopping,Costco, Target, restaurants & greataccess to I-5. Lakewood Schools.Includes free One Year Home Warranty.

For more photos & information, Text P205031 to 85377

I am dedicated to providing the finest service available, while keeping up to date on the currentmarket trends. I have great knowledge of the greater Seattle area and have sold predominatelyin King and Snohomish county. With the real estate industry becoming more sophisticated andchallenging every day, you need a professional broker who understands the industry and themarket, and who will take the time to stay ahead of the game.

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50ONE OF THE BEST!Amazing opportunity toown one of the besttownhouses in theCrossings. Open greatrm floor plan w/ gor-geous hardwood floors.Chef's kitchen w/ largeisland, tile counter tops &rich cabinets. Familyroom has cozy gas FP &overlooks the Trex deckpatio & backyard.Upstairs open loft area.Back yard perfect for out-door BBQ's or yearround fun. Great accessto I-5. 1-yr HM warranty.Text P143662 to 85377

EXCELLENT LOCATION & GREAT COMMUNITY3 BD, 1.75 BA w/ large kitchen w/ eat-in area, formal diningroom, living room. Downstairs offers family room, bonus room,laundry area & access to large fully fenced yard. Spacious lot isperfect for outdoor BBQs or gardening. New roof in 2014, effi-cient gas forced air, hardwood floors. Tons of storage!

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WILLIAMS REAL ESTATE BROKERSCall for more information(877) 265-9697

Page 31

GREAT DAYLIGHT RAMBLER3 BD, 2 BA on main floor. Lower level recroom/family room or set up for Mother-in-laww/ kitchen & 3/4 BA. Huge remodeled kitchenwith beautiful hardwood cabinets & floors. 2decks that access the large back yard. LakeStevens schools and very close to the lake.The one wont last long! R822

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RARE 3 BEDROOM TOWNHOUSELives like a single family home. Backs to green belt for thatcountry feeling, while only steps to shopping. Open style kitchenand dining room. Gas burning fireplace warms up the graceful liv-ing room. More storage than you can imagine, 3 BD w/ full BAand master suite w/ full BA & big walk-in closet on upper level.Garage parking and room for cars in front. R821

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14901.24.8 WilliamsRE_0100 11/6/2015 10:34 AM Page 1

www.TheTorsetTeam.com

WESTERN REALTY

HOME, GUEST SUITE & SHOP Lovely 4.3acres acreage w/ pond, stream & gardens. Mainhome w/ 3 BD, 2.5 BA. Dream shop w/ 3000 SF,5 roll-up doors & office. 1100 SF MIL suite.

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The perfect time to LIST your home FOR SALE! BUYERS are looking so don't miss your best OPPORTUNITY.

Call for more info on our next Home Buyer Happy Hour Event!Learn about the 6 down payment assistance ($0 down) programs we have!

LaDon TorsetBuyers Specialist206-786-8021

Washington - NMLS#6606. New American Funding.New American and New American Funding are registeredtrademarks of Broker Solutions, DBA New AmericanFunding. All Rights Reserved. 05/2015 800.450.2010

Dan KellerMortgage AdvisorMLO # 115349Direct: (425) 350-7136As seen on FOX Businesswww.TheDanKellerGroup.com

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SNOHOMISH

Rick VannoyBuyers Specialist425-344-2971

Ben ColeBuyers Specialist360-540-4834

Michelle TorsetListing Specialist360-333-3959888-643-4112

Full time help line, Mon-Thurs 9-5425-789-6270

Kahala CoilaBuyers Specialist425-948-5750

Sandy DinsmoreBuyers Specialist206-919-2518

Welcome Kahala & Sandyto the Torset Team as Buyers Specialists

SNOHOMISHNew Price! $695,000

14901.24.8 Torset Snohomish 11/6/2015 10:33 AM Page 1

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