A First Time Home Buyer’s Story

I’m so excited for some clients I helped buy their first home a couple of years ago. I thought I’d share their story – at least the Readers Digest version! 🙂

This couple attended a home buyers class that I was teaching back in 2014. They purchased their first home in Seattle in 2014 using a down payment assistance program we offer through the Washington State Housing Finance Commission. [Read more…]

The S Word in Seattle is SNOW

In Seattle, the “s word” is SNOW and it looks like we’re in for a pile of it with this current system.

Snowy street in Seattle WA
Seattle snow from 2014.

[Read more…]

Could you survive one month without income?

 

With the government shutdown pushing over a month long, some federal employees are having to juggle another missed paycheck. Yesterday during an interview with CNBC, US Commerce Secretary Ross is quoted stating:

“So the 30 days of pay that some people will be out – there’s no real reason why they shouldn’t be able to get a loan against it and we’ve seen a number of ads from the financial institutions doing that… there really is not a good excuse why there really should be a liquidity crisis,” he said. “True the people might have to pay a little bit of interest.” [Read more…]

Mortgage Payment Breakdown

Your mortgage payment typically includes principal and interest and may also include property taxes, homeowners insurance. This is often referred to as PITI in the mortgage industry (principal, interest, taxes and insurance). If you have less than 20% down payment or home equity, then you probably have some form of mortgage insurance as well (unless you qualify for a VA mortgage). Some portions of the mortgage payment may change over time. [Read more…]

Good Bye, Seattle’s Alaskan Way Viaduct

The Alaskan Way Viaduct aka Highway 99, was my preferred route when traveling through Seattle. As someone who lives in West Seattle, Highway 99 (or the viaduct) was a great alternative when traveling to downtown Seattle or north Seattle. I voted against the tunnel twice and will miss the views driving the viaduct. I really wish the viaduct would have been retrofitted or rebuilt instead of the tunnel. Anyhow… I thought I would share a video our family created a few years ago about the viaduct – tunnel. No animals were harmed in this video!

I will really miss the viaduct. I enjoyed the gritty drive and will miss the amazing views. When our beloved JP Patches was at our home for my surprise 40th party, he said our elected officials had “tunnel vision” and I could not agree more.