Blog

26
Mar

How to Choose the Right Mortgage Broker

Around 90% of the time, the first question that potential clients ask me is about the rate I offer. This makes sense: Consumers are always on the lookout for the best deal, and first-time home buyers tend to be especially concerned with getting a good rate. However, when it comes to mortgages, finding the best deal is about more than

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26
Mar

The Difference Between Pre-Approval and Full Credit Approval

Most prospective home buyers know that they should get pre-approved for a mortgage before they start shopping and make an offer. While lenders will often use the terms “pre-approval” and “credit approval” interchangeably, home buyers should know the difference to put themselves in the strongest position possible when it comes time to make an offer. Pre-Approval Pre-approval typically means that

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26
Mar

Comparing Rent and Mortgage Payments

The decision of whether to rent or buy is more complicated than usual in Seattle, where both home and rent costs have been rising in recent years as the demand for housing continues to outpace supply. The ever-increasing cost of rent prompts many people to consider whether buying might make more sense. Others are put off by the assumption that

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26
Mar

Think You Know How to Find Your Credit Score? Think Again

Most people know that the home price they can afford is dependent on their credit score. But most people don’t realize that multiple credit scores exist, and the one they pull may be quite different from the one the lender uses to calculate the loan amount. Since your credit score determines the loans and the rates you’ll qualify for, knowing

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26
Mar

Why Waiting to Save a 20% Down Payment May Not Be the Right Move

Most first-time home buyers have heard that they can avoid paying mortgage insurance by putting 20% down, and assume that waiting to save this amount before purchasing is best. However, this is not always the case. While not having to pay mortgage insurance is certainly ideal, it often comes at a cost that far outweighs its benefits: Real estate will

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17
Aug

5 Priceless Reasons to Save Up to Buy a Home vs. Renting

Home ownership is usually the biggest financial transaction that a person engages in.  Because of this, there is a tendency to focus on the numbers and the market. It’s important to keep in mind that there are a lot of incalculable reasons to buy and own your own home.   Here are just a few of the ways where the

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19
Jul

Seattle Neighborhood Spotlight: Portage Bay

Seattle’s Portage Bay neighborhood is a hidden gem just south of the Eastlake Bridge. This area’s residents enjoy a lakeside setting in the heart of Seattle. From spacious parks to sunsets over the Seattle skyline, this neighborhood has a lot to offer! Portage Bay Boundaries Portage Bay is located south of the University District and north of Capitol Hill. With

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19
Jul

Can I Afford to Buy a Home in Seattle?

Whether you are a recent Seattle transplant or a lifelong resident finally ready to invest in your dream home, buying a house in Seattle may be a daunting process. The booming tech industry has made our city a destination for many professionals across a number of industries, driving real estate prices up. If you are hoping to invest in Seattle

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9
Jul

Seattle Neighborhood Spotlight: Crown Hill

Crown Hill sits comfortably between Greenwood and North Beach / Blue Ridge. It is a comfortable residential area in the heart of North Seattle offering a peaceful retreat from the hurried bustle of city life, while still offering easy access to everything there is to love about Seattle. Crown Hill Boundaries The northern border of Crown Hill runs along Northwest

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26
Jun

Tips for Budgeting on How Much Home You Can Afford

Owning a home can be a blessing. If you don’t budget properly, however, you’ll quickly find yourself grasping at straws to financially stay afloat. To prevent this from happening, keep the following tips in mind when budgeting for your new home. Create a Monthly Budget You can’t stick to a budget if you haven’t drawn one up. To make that

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