News

Protecting National Water Resources: A Call to Ban Copper Sulfate for Use in America’s Ponds and Lakes

Protecting National Water Resources The purpose of this paper is to recommend a prohibition of the use of copper sulfate, a toxic and bioaccumulative chemical, in America’s waters. Background Copper sulfate, a natural...
Posted by: Linda Bagley
Categories: Seattle News

Housing Affordability Study

I have long said that living near your work is critical to you quality of life and to your budget. A recent study shows the actual cost of living when you account for the hours and fuel you spent on the road commuting...
Posted by: Linda Bagley
Categories: Seattle Home Buyer Tips, Seattle Real Estate News

Health Care Bill May Boost Commercial Sector

I found an interesting article in the REALTORmag, which is especially interesting for Commercial Investors.  Contact Kevin Bagley if you are interested in Commercial Investment Properties. Kevin is now specializing in...
Posted by: Linda Bagley
Categories: Seattle Real Estate News

Land Contract

Land Contract An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make period...
Posted by: Linda Bagley
Categories: Mortgage Info

The No-Cost Thirty Year Fixed Rate Mortgage

The No-Cost Thirty Year Fixed Rate Mortgage There really is no such thing as a “no-cost” mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, pro...
Posted by: Linda Bagley
Categories: Mortgage Info

The Advantages of Different Types of Mortgage Lenders

The Advantages of Different Types of Mortgage Lenders What kind of lender is “best?” If you ask a loan officer, “What kind of lender is best?” it is going to be whatever kind of company he work...
Posted by: Linda Bagley
Categories: Mortgage Info

Types of Mortgage Lenders

Types of Mortgage Lenders Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans which they sell directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan in...
Posted by: Linda Bagley
Categories: Mortgage Info

Where Does the Money Come From for Mortgage Loans?

Where Does the Money Come From for Mortgage Loans? In the “olden” days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds layi...
Posted by: Linda Bagley
Categories: Mortgage Info

Items You Need for When Applying For a Loan

Items You Need for When Applying For a Loan Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify t...
Posted by: Linda Bagley
Categories: Mortgage Info

FICO Scores and Your Mortgage

FICO Scores and Your Mortgage Three years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past p...
Posted by: Linda Bagley
Categories: Mortgage Info