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Buyers Can my final mortgage costs increase from what was on my Loan Estimate? Published by Erica Anthony | May 25, 2022 Some mortgage costs can increase at closing, but others can’t. It is illegal for lenders to deliberately underestimate the costs on your Loan Estimate. However, lenders are allowed to change some costs under certain circumstances. Read the full article from the Consumer Financial Protection Bureau here: https://www.consumerfinance.gov/ask-cfpb/can-my-final-mortgage-costs-increase-from-what-was-on-my-loan-estimate-en-172/ […]
General NWMLS April 2022 Statistical Data Written by Erica Anthony | May 06, 2022   Yesterday the NWMLS published its latest press release. You can read the full article here: Improving housing inventory, rising costs may bring some “normalcy” to Western Washington market   Some key takeaways: Commenting on a new Northwest MLS report summarizing April activity, Scott noted a “slight […]
Buyers Offering Over Asking vs. Offering Over Appraisal? Written by Erica Anthony | May 05, 2022 Image by mohamed_hassan, licensed under Pixabay   Q: Noob questions about down payments, asking, appraisal Why make an offer over asking price, and what does that mean, specifically regarding appraisal? Like, you’re not gonna get a mortgage for over the appraisal price. So making a “strong offer” […]
Buyers What to ask at a property viewing? Written by Erica Anthony | May 05, 2022 Image “Garage” by Robbi Baba, licensed under Creative Commons   Honestly, the biggest questions you need to answer are:   Do I like it? Can I see myself living here? Will this space work for my needs? How long do I want to live here? Does the […]
Homeowners Cleaning the Washer Filter Stuff You Have To Do As A Homeowner That You Didn’t Realize Was Stuff You’d Have To Do – ed. 3 Written by Erica Anthony | December 21, 2021   A few days ago my roommate Lucie was trying to do laundry when the washer stopped mid-cycle. Ugh. We had no idea what the problem […]
Buyers A Low Appraisal Example Written by Erica Anthony | December 13, 2021 Image “Money Piggy Bank Finance” by markus-s, licensed under Pixabay   Q: How would low appraisal work? Listed for $395k Offered $410k $41k down and $369k loan What exactly changes if the appraisal was, say, $400k? Does my monthly payment change? I’d still have $41k to cover […]
General NWMLS November 2021 Statistical Data Written by Erica Anthony | December 09, 2021   A few days ago, the NWMLS published its latest press release. You can read the full article here: Northwest MLS brokers not seeing much seasonal slowdown, say buyers still need to be bold   Some key takeaways: Historically soggy weather and the onset of holidays did […]
Buyers Why Do I Need A Buyer’s Agent? Written by Erica Anthony | December 09, 2021 Image “You Are Worthy” by Tim Mossholder, licensed under Pexels   A lot of buyers aren’t impressed with agents finding houses for them anymore, since buyers can do that online. However, your buyer’s agent will also have access to MLS data (beyond what’s available on Redfin/Zillow/whatnot). They […]
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Buyers Change Your Address Written by Erica Anthony | December 06, 2021 Image “Mail Truck” by ArtisticOperations, licensed under Pixabay   Suggestions of places to change your address after you move: Mail forwarding (USPS change of address): moversguide.usps.com Car tabs and vehicle registration: dol.wa.gov/vehicleregistration/changeaddress.html Voter registration: voter.votewa.gov/WhereToVote.aspx All banks and credit card companies, credit unions, investment accounts, IRA/401k administrator, […]
Buyers Regular Maintenance Items Written by Erica Anthony | December 06, 2021 Image “Squirrel Curious Gutter Rodent” by Montemari, licensed under Pixabay   Test smoke detectors and carbon monoxide detectors, and change batteries (every 6 months). Make sure you have at least one fire extinguisher on each floor, and replace them every 10-15 years. It’s a good idea to […]
Buyers New Home Checklist Written by Erica Anthony | December 06, 2021 Image “Thoughtful Couple” by Ketut Subiyanto, licensed under Pexels   It’s been a long buying process and finally the end is near! You are about to close on your new home. But what should you do immediately after closing? Set up mail forwarding to your new address: USPS […]
Buyers Let’s talk about the Financing Contingency Written by Erica Anthony | December 3, 2021   One of my buyers sent me this article yesterday: https://www.dailymail.co.uk/news/article-10262293/Family-loses-320-000-house-deposit-shocking-legal-loophole.html   This is a great example of an article using a scary and generally incorrect headline to get more views. A couple points: Real estate is very location-specific. Standard forms and typical practices in different parts […]
Buyers What Are Contingencies? Written by Erica Anthony | October 30, 2019 Image “African American Man Throwing Paper Sheets” by Ketut Subiyanto, licensed under Pexels   You hear about contingencies all the time. Perhaps a friend talks about “waiving” a contingency to win his home. Or you have your eye on a listing online that goes from “Active” to […]
Buyers What Is Earnest Money? Written by Erica Anthony | October 30, 2019 Image “Money” by 401(K) 2012, licensed under Creative Commons This is a conversation I have with every single buyer: What is earnest money? Earnest money is the money you lose if you back out of the transaction without a “good reason.” But it’s a little more complicated […]
Homeowners Water Line Replacement Stuff You Have To Do As A Homeowner That You Didn’t Realize Was Stuff You’d Have To Do – ed. 2 Written by Erica Anthony | October 9, 2019 Image “Rusty Old Pipes” by Andy Hayter, licensed under Creative Commons   I had a surprise thing-to-do this summer when someone dug down to the water […]
Homeowners Bathtub Re-Caulk Stuff You Have To Do As A Homeowner That You Didn’t Realize Was Stuff You’d Have To Do – ed. 1 Written by Erica Anthony | October 8, 2019 Image “d_bathtub_after” by coolmathteacher, licensed under Creative Commons   There are some recurring maintenance tasks for homeowners that I never had to face as a renter. […]
General 2019: HERE WE GO!!! Written by Erica Anthony | February 5, 2019    I was just catching up on some auto-searches I have for clients, and the number of new listings that were already PENDING after just a few days is astonishing. For those of you who aren’t engrossed in the housing market every day, here’s a quick update… […]
Buyers Choosing Your Realtor (For Buyers) Written by Erica Anthony | August 20, 2018    Whether you are planning on buying or selling, choosing the right realtor will make a world of difference. But picking one doesn’t have to feel like a shot in the dark. For buyers, here are some points to consider while you make your decision, and an […]
Buyers Now Is A Great Time To Be A Buyer In Seattle (2018) Written by Erica Olavarria | July 23, 2018 Image “Seattle view from Queen Anne hill” by brewbrooks, licensed under Creative Commons   For years, people have been talking about the “hot seller’s market” when they describe Seattle’s real estate scene. Sellers often received multiple offers within days of their home hitting the market. Cash financing, […]
Buyers Finding A Lender Written by Erica Olavarria | May 14, 2018 Image “Money!” by Thomas Galvez, licensed under Creative Commons     It’s very important to find your lender and get pre-approved for a home loan before you start seriously looking at houses or submitting offers.     When you are talking to lenders, they will be able to explain […]
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