buying a home Archives - Special Agents Realty Life Is Better When You Own It™ Wed, 22 Jan 2025 22:38:15 +0000 en-US hourly 1 https://wordpress.org/?v=6.8.5 https://idx.specialagentsrealty.com/wp-content/uploads/2020/12/cropped-faci-site-32x32.jpg buying a home Archives - Special Agents Realty 32 32 Modern Elegance ~The Jade Residences Condominium (PENDING SALE) https://idx.specialagentsrealty.com/modern-elegance-at-the-jade-residences/ Wed, 22 Jan 2025 09:00:07 +0000 https://idx.specialagentsrealty.com/?p=35390 Discover Modern Luxury at The Jade Residences Condominium ~Life Is Better When You Own It~ IN CONTRACT !!! 11903 NE 128th St. Unit #502, Kirkland, WA 98034 3D Matterport Video Tour – Click Here Take a walk through… Watch video https://cdn.virtuance.com/v_residential/634406/videos/11903_NE_128th_Street_Unit_502.mp4 Welcome to Unit 502, a Northwest-facing corner unit located on 128th at The Jade […]

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Discover Modern Luxury at The Jade Residences Condominium

~Life Is Better When You Own It~

IN CONTRACT !!!

11903 NE 128th St. Unit #502, Kirkland, WA 98034

3D Matterport Video TourClick Here

Take a walk through… Watch video

Welcome to Unit 502, a Northwest-facing corner unit located on 128th at The Jade Residences. This exceptional home offers spectacular views from its expansive 16’x16′ corner deck, where you can witness both sunrise and sunset—a true embodiment of the best of all worlds.

Enter through a stunning lobby that sets the stage for elegance and warmth, welcoming you home to this meticulously crafted residence. Natural light floods through expansive windows, illuminating the sleek interior characterized by soaring 10′ ceilings and a thoughtful split AC/heat system for year-round comfort.

Unit 502 features:

  • 985 Square Feet
  • 2 Bedrooms, 2 Baths: Thoughtfully designed for privacy and relaxation.
  • Coveted TWO Garage Parking Spaces (P-2 61 & 62): This includes the potential for electric vehicle charging and meeting modern lifestyle needs.
  • Convenient Storage Lockers: Located on the P-2 Level, providing ample space for personal items.
  • Expansive Corner Deck: Enjoy breathtaking views and outdoor living space ideal for relaxation and entertainment.

Residents of The Jade Residences enjoy an array of exceptional amenities:  

  • Home Owner Dues: $1,062.45 per month
  • Hi-Speed Internet: Included in HOD’s
  • Concierge Service: Available daily from 10:00 AM to 6:00 PM, offering personalized assistance. Included in HOD’s
  • Versatile Clubroom/Owners Lounge: Perfect for socializing or hosting events, complete with an outdoor fireplace, seating, and a full kitchen.  Included in HOD’s
  • Well-Equipped Gym: Stay active with state-of-the-art fitness facilities. Included in HOD’s
  • Package Delivery Room: Featuring secure lockers and cold storage for organized handling of food deliveries. Included in HOD’s
  • Dazzling Rooftop Deck: Enjoy BBQ facilities, a fire pit, and breathtaking views for memorable gatherings. Included in HOD’s
  • Bike Storage: Equipped with tools to support outdoor adventures on nearby Eastside trail systems. Included in HOD’s
  • Pet-friendly amenities include a convenient pet bathing station and no rental cap, which is ideal for pet owners. Included in HOD’s
  • No Rental Cap: Minimum 30 plus days short-term ok

Centrally located near The Village at Totem Lake, residents benefit from easy access to dining, shopping, parks, trails, and transit options.

Make Unit 502 Your Home – where convenience meets luxury in a vibrant community setting, offering unparalleled views and a lifestyle of comfort and sophistication. Whether enjoying the sunrise from your corner deck or hosting friends in the owner’s lounge, The Jade Residences provides the perfect blend of modern living and exceptional amenities.

Exterior Front Entry
Exterior Front Entry
Exterior Front
Exterior Front – located the second unit from the top floor (corner unit with covered deck)…

Exterior Front

Coveted upper-level CORNER unit.

Lobby
Lobby
Lobby
Lobby
Foyer
Foyer
Living Room
Living Room
Living Room
Living Room
Living Room
Living Room
Living Room Feature
Living Room Feature
Dining Room
Dining Room
Kitchen
Kitchen
Kitchen
Kitchen
Kitchen
Kitchen
Primary Bedroom
Primary Bedroom
Primary Bedroom
Primary Bedroom
Primary Bathroom
Primary Bathroom
Primary Bathroom
Primary Bathroom
Bedroom
Bedroom
Bathroom
Bathroom
Laundry Room
Laundry Room
Fitness Center
Fitness Center
Community Lounge
Community Lounge
Community Lounge
Community Lounge
Community Lounge Kitchen
Community Lounge Kitchen
Dog Bathing
Dog Bathing
Bike Storage
Bike Storage
Reserved Parking
Reserved Parking
Mailroom
Mailroom
Mailroom
Mailroom
Interior Front Entry
Interior Front Entry
Balcony
Balcony
Balcony
Balcony
Exterior Side
Exterior Side
Rooftop Balcony
Rooftop Balcony
Rooftop Balcony
Rooftop Balcony
Exterior Amenities
Exterior Amenities
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake
The Village At Totem Lake

Contact:

Linda M. Bagley 
C: (206)419-0065
Owner / Designated Broker License # 17584
Special Agents Realty
Specializing in Residential Properties and Floating Properties!

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Happy New Year 2018 https://idx.specialagentsrealty.com/happy-new-year-2018/ https://idx.specialagentsrealty.com/happy-new-year-2018/#respond Wed, 03 Jan 2018 00:04:14 +0000 https://idx.specialagentsrealty.com/?p=7780 Happy New Year 2018! We would like to wish you and your family a wonderful 2018! Kevin & Linda have had lots of great adventure during 2017 and have learned a lot during the year. We hope to share with you some useful and fun information that we have gathered during the year. For some of […]

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Happy New Year 2018!

We would like to wish you and your family a wonderful 2018! Kevin & Linda have had lots of great adventure during 2017 and have learned a lot during the year. We hope to share with you some useful and fun information that we have gathered during the year. For some of you, this is VERY important information. For others, we hope it will be educational and informative.
As many of you know, we are first and foremost Residential Real Estate Brokers, listing and selling homes and condos throughout the Puget Sound Region. Many of you may also know that we are specialists in Water Properties (Floating Homes, Houseboats, and Waterfront Properties). As such, we’ve broken down the newsletter into 2 main categories – Residential Real Estate and Water Properties.


 

Residential Real Estate

Property Tax Deductions
The new tax plan has implications for your Property Tax Deductions as well as Sales Tax deductions. The two are now related to each other with regard to deductions. For 2018, you are now allowed to deduct up to $10,000 in State and Local taxes and you must choose between Property Taxes and Sales Tax. For many of you, that means your deduction could be limited compared to previous years.  Many people will want to try to deduct 2018 taxes in 2017, however, the IRS will only allow prepaid property taxes if the state has already done its 2018 assessment. King County does not allow pre-paying your 2018 taxes in 2017 and will return any payments sent in for this purpose.

Standard Deduction Doubled
The Standard Deduction has doubled, and in some cases, the Standard Deduction may be more appealing than Itemization. The National Association of Realtors and the National Association of Home Builders opposed this, as it may mean fewer people will be taking the mortgage interest deduction which could lower housing prices.

Rental Properties In Seattle
If you have a Rental Property in Seattle, you MUST register your property and your property WILL be inspected. This is known as the Rental Registration & Inspection Ordinance. NOTE: This rule applies to ALL residential rental properties INCLUDING Floating Homes and Floating On-Water Residences.
http://www.seattle.gov/dpd/codesrules/licensingregistration/RRIO/ownersmanagers/default.htm

Short-Term Rentals in Seattle
New regulations were voted on and approved by Seattle City Council regarding Short Term Rentals. These new rules affect those putting their properties up for rent for less than 3 months. There are three short-term rental bills.

  • CB 119083 pertains to how the City taxes short-term rentals.
  • CB 119082 relates to how STRs are addressed in the land-use code.
  • CB 119081 relates to the Licensing Standards (What can be licensed).

Discussion of all of the ramifications of this bill is too lengthy for this newsletter, but it is important to know that if you are conducting short-term rentals in Seattle, you will need to be licensed and follow these regulations to avoid penalties or worse. NOTE Floating Properties may no longer be used for Short Term Rentals

Housing Values
Housing Values in Seattle, Bellevue, Bothell & Burien over the last year have steadily increased. The good news it that your property is worth more. The bad news is that property is more expensive to buy.  The following chart shows the median values (half the properties sold were above and half were below the median) in Seattle and cities to the east, north, and south of Seattle.  Is there a Bubble?  Hard to say. We are expecting price increases to slow down, however, the trends are still upward. With tax changes affecting home ownership, there could be a turnaround in pricing during 2018.  We welcome your thoughts!

Seattle-Bellevue-Bothell-Burien 1 year sales comparison


 

Water Properties

Water-based properties (Floating Homes, Houseboats, and Waterfront Properties) are still in high demand with very limited supply. There is only so much shoreline, and Houseboats and Floating Homes have been capped at their current levels.  This means a mostly fixed commodity with increasing demand. There were 80 water properties sold in 2017 ranging in price from $120,000 to $8,850,000. Special Agents Realty had a total of 20 water property transactions (buying and selling) in 2017.  If you are considering Water Property, either buying or selling, we are definitely experienced in this area and would love to help you.

Over-Water Short Term Rentals Prohibited
IMPORTANT NOTICE: Seattle’s new short-term rental regulations prohibit short-term rentals for over-water properties.  If you own a houseboat (Floating On-Water Residence) or a Floating Home and are using it as a vacation rental, you will no longer be allowed to do this.
From CB 119082:

23.42.060 Short-term rentals

Short-term rental uses are subject to the following provisions:

A. Short-term rental uses are permitted in any structure established as a dwelling unit unless (1) the proposed use is in a dwelling unit established as a caretaker’s quarters, or (2) the proposed use is over water or otherwise prohibited by the shoreline regulations contained in Chapter 23.60A.

Registering Rental Properties In Seattle
While Short-Term Rentals are prohibited, long-term rentals (3 months or greater) are still allowed over water. If you have a rental property in Seattle, even if it is a houseboat (Floating On Water Residence), or a floating home, you must register your property and it will be inspected. For more information, please read the Rental Registration & Inspection Ordinance.

Remodeling, Renovating, Replacing, & Major Repairs
Floating On-Water Residences are subject to permitting regulations when doing Exterior Remodeling, Renovating, and Major Repairs. Floating On-Water Residences may expand up to 120 square feet, but must not increase their over-water coverage. Although expansion beyond 120 square feet is permitted, the City of Seattle is proposing strong rules for containing grey water that must be implemented with this type of expansion.

Generally, if your exterior work exceeds $6416.00 you will need to obtain a shoreline exemption permit (Fairly easy to obtain). This may include things like hull replacement, re-siding, re-fiberglassing decks, etc.

NOTE: If you are replacing your Floating On-Water Residence, you must obtain a full Shoreline Development Permit (Complex & expensive).

Some common types of projects that are typically considered exempt:

  • Normal maintenance and repair of existing structures or developments, including damage by accident, fire, or natural elements
  • Construction of a single-family residence and accessory structures by the owner for his/her own use, on dry land only
  • Demolition of structures, not having a major impact on the shoreline character
  • Any development with a value of less than $6,416.00 that does not materially interfere with normal public use of the water

For more information, please see the TIP 229.


We hope you have a fantastic 2018
We’ve enjoyed working with our fabulous clients and friends and hope that you find this newsletter useful.  If you no longer wish to continue receiving these emails, please unsubscribe below.Thank youfrom Kevin & Linda Bagley

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Seattle Real Estate: Beautiful Classic Wallingford Home (SOLD) https://idx.specialagentsrealty.com/classic-wallingford/ https://idx.specialagentsrealty.com/classic-wallingford/#respond Tue, 04 Oct 2016 16:49:29 +0000 http://specialagentsr.wpengine.com/?p=5751 Presenting… “A Beautiful, Classic Walingford Home” – $799,000 (SOLD) Open House – Sunday 8-28-16 1pm to 4pm   3 Bedroom – 1.75 Bathrooms Classic styling with contemporary updates This beautiful, classic Wallingford home is nicely updated and charmingly appointed. The old world craftsman style shines through with built-in cupboards in the dining room, craftsman style […]

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Presenting… “A Beautiful, Classic Walingford Home” – $799,000 (SOLD)

Open House – Sunday 8-28-16 1pm to 4pm

 

3 Bedroom – 1.75 Bathrooms

Classic styling with contemporary updates

Classic BeautyThis beautiful, classic Wallingford home is nicely updated and charmingly appointed. The old world craftsman style shines through with built-in cupboards in the dining room, craftsman style trim, and leaded beveled glass touches.
The timeless craftsman finishes are augmented by the beautiful contemporary additions such as shown in this wonderful living room with craftsman trim and windows and a modern gas fireplace.

Life is Better When You Own It!™

Master Bedroom with DeckThe beautiful master bedroom located upstairs has a wonderful balcony that has some eye-catching glimpses of Mount Rainier, The Space Needle, Aurora Bridge, City Skyline, and the Olympic Mountains. It also includes an en-suite Master Bath and a unique walk-around closet.

Features of this wonderful home include:

  • Living Room3 Bedrooms
  • 1.75 Bath
  • 1520 sq. ft. finished + 580 sq. ft. unfinished basement
  • Gas Fireplace
  • Large windows
  • Master Bedroom with En-Suite & Vaulted Ceilings
  • Full Guest Bath
  • Unfinished basement
  • Kitchen—all stainless appliances + quartz countertop
  • Jenn-Air Gas Range
  • Nicely landscaped with large deck & patio
  • Includes 8 person hot tub
  • Annual Taxes $7357

Download the Flyer for this home

Click to view Virtual Tour

View the Tour

 

Watch our really cool video!

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Seattle Real Estate Market: News Release – Nov 5, 2015 https://idx.specialagentsrealty.com/seattle-real-estate-market-news-release-nov-5-2015/ https://idx.specialagentsrealty.com/seattle-real-estate-market-news-release-nov-5-2015/#respond Fri, 06 Nov 2015 22:42:28 +0000 http://specialagentsr.wpengine.com/?p=4693 NWMLS Brokers Predict Modest Holiday Slowdown Normally, there is a pretty significant slowdown in Seattle home sales during November-December as people become busy with the holiday season. This year seems to be a bit different, with lower than normal inventories, low interest rates, and a strong job market. It is likely that the housing market […]

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Seattle Home

NWMLS Brokers Predict Modest Holiday Slowdown

Normally, there is a pretty significant slowdown in Seattle home sales during November-December as people become busy with the holiday season. This year seems to be a bit different, with lower than normal inventories, low interest rates, and a strong job market. It is likely that the housing market will remain quite active trough the holidays.

The Seattle market is one of the best we’ve seen for sellers. There are buyers out there actively looking for properties, with a shortage of homes. This is actually a very good time to list your home, because many people wait to list until after the holidays, yet there are many buyers still actively seeking properties. Now is a good time to get a head start on the competition.

Pending sales are up 7.8% from a year ago and the Puget Sound region (King, Kitsap, Pierce, and Snohomish counties) had 6,977 pending sales, which was the highest October volume in over a decade.

October was the first month that the number of closings was below 8,000 since last April, but most brokers feel that this was due to a low inventory. If more homes had been available for sale, brokers feel there would not have been a slowdown.

During a stable market (neither buyer’s or seller’s market), there is typically a 4 to 6 month supply of inventory. We are currently sitting with a 1.29 month supply for King County residential homes, causing the market to remain a “Seller’s Market.”

Luxury Staircase

Now is a good time for buyers

As a buyer, you can expect increasing prices and frequent multiple offer situations. Knowing this, the best time to buy in the near future is right now, during the traditional holiday slowdown. Although still competitive, we believe the competition is likely to increase after the 1st of the year.

Market Statistics

Single Family homes increased nearly 8.4% (Market wide). In King County, the median price increased 7.3% over last year’s median, from $447,250 to $480,000.

The Seattle condo market experienced even stronger growth, with volume and prices increasing by double digit percentages. Area wide, the number of sales rose 13.2 percent, and prices rose a significant 16.2%. The supply of condos experienced a larger drop than residential with the number of listing down 26 percent from last year. In King County, there is less than 1.2 months of supply

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Luxury Lake Union Houseboat In Seattle Includes the Slip- (EXPIRED LISTING) https://idx.specialagentsrealty.com/luxury-lake-union-houseboat-owned-slip-974000-2/ https://idx.specialagentsrealty.com/luxury-lake-union-houseboat-owned-slip-974000-2/#respond Mon, 05 Oct 2015 12:24:47 +0000 http://specialagentsr.wpengine.com/?p=2807 Luxury Lake Union Houseboat in OWNED Condo Slip: $974,000 (EXPIRED LISTING) Experience ECO-Friendly Luxury on Lake Union in this stunning contemporary Houseboat on Lake Union with breathtaking views of Lake Union and the Seattle skyline. Only FEE SIMPLE condo Houseboat slips on Lake Union! This fabulous Union Bay Fabricators vessel was designed with comfort and […]

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Luxury Lake Union Houseboat in OWNED Condo Slip: $974,000 (EXPIRED LISTING)

Experience ECO-Friendly Luxury on Lake Union in this stunning contemporary Houseboat on Lake Union with breathtaking views of Lake Union and the Seattle skyline. Only FEE SIMPLE condo Houseboat slips on Lake Union! This fabulous Union Bay Fabricators vessel was designed with comfort and style in mind. The entry takes you up to the Main salon floor which consists of a very spacious living area with built-in seating, a real stone propane fireplace with natural wood hearth. The zoned sound system provides ambiance as you enjoy the built-in wet-bar and wine cooler, while taking in the amazing views. Step out on to the spacious 8′ x 15′ front deck and enjoy Lake Union close up.

The built in Dining Table provides ample seating for you and your guests while they look out on beautiful Lake Union views. High cedar panel ceilings and Cumaru Brazillian Teak hardwood flooring provide a spacious and warm entertaining environment. With windows all around, you and your guests will feel like they are dining at the finest waterfront restaurant. Relax as the boats, kayaks, paddle boards, and crew boats cruise by, providing an always changing view.

Dinner is prepared in the Fully Equipped Gourmet Kitchen with beautiful stainless steel Viking appliances. Enjoy lots of paperstone counter space and a great deal of modern cabinetry. There is also a built in office area in the kitchen. The kitchen features a dutch door leading to the aft deck and from there, up to the large rooftop deck. The most demanding chefs will be right at home in this smartly designed, beautiful kitchen.

From the entry, head down to the spacious Master and Guest bedrooms that are served by a luxurious 5 piece bath with jetted tub, large shower, and dual vessel sinks. The guest bedroom also features a walk-in closet that also contains the full size stack washer/dryer. The Master has built-in closet space and cabinetry and is quite spacious.

Three outdoor spaces are provided for your enjoyment. Two more intimate spaces are the mid-deck forward and aft decks and the built-in Bar-B-Que on the aft deck is very convenient to the kitchen. The aft deck has a ladder to the large rooftop deck. The rooftop deck has outstanding views of the Lake, Seattle Skyline, and Gasworks Park.

Features of this fabulous houseboat include:

  • 46’ x 15’ 2 story houseboat-vessel
  • Contemporary Design – Built 2007
  • Fabulous views of Lake Union and Seattle Skyline
  • Aluminum hull
  • 2 bedroom, 1.5 bath – Approx. 1080 Sq. Ft.
  • Very Stable Design
  • Gourmet Kitchen—Viking Stainless Appliances
  • Paperstone countertop
  • 3 decks including 20×15 rooftop
  • Cumaru—Brazillian Teak Hardwood
  • Built-in Dining Room table
  • Spacious Living room with brick fireplace
  • Luxurious 5 piece Bath
  • Built-in wet bar & wine cooler
  • Full size stack Washer/Dryer
  • HOA $260/mo – Includes Elec, H2O, Garbage
  • ENJOY THE SECURITY OF SLIP OWNERSHIP!

 

Luxury Lake Union Houseboat

CLICK HERE for More Information!

Click to view Virtual Tour

View the Tour

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Luxury Lake Union Houseboat in OWNED Fee Simple Slip (Listing EXPIRED) https://idx.specialagentsrealty.com/luxury-lake-union-houseboat-owned-slip-974000/ https://idx.specialagentsrealty.com/luxury-lake-union-houseboat-owned-slip-974000/#respond Sat, 02 May 2015 12:53:47 +0000 http://www.www.specialagentsrealty.com/?p=2807 Luxury Lake Union Houseboat in Fee Simple OWNED Slip Experience ECO-Friendly Luxury on Lake Union in this stunning contemporary Houseboat on Lake Union with breathtaking views of Lake Union and the Seattle skyline. Only FEE SIMPLE condo Houseboat slips on Lake Union! This fabulous Union Bay Fabricators vessel was designed with comfort and style in […]

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Luxury Lake Union Houseboat in Fee Simple OWNED Slip

Experience ECO-Friendly Luxury on Lake Union in this stunning contemporary Houseboat on Lake Union with breathtaking views of Lake Union and the Seattle skyline. Only FEE SIMPLE condo Houseboat slips on Lake Union! This fabulous Union Bay Fabricators vessel was designed with comfort and style in mind. The entry takes you up to the Main salon floor which consists of a very spacious living area with built-in seating, a real stone propane fireplace with natural wood hearth. The zoned sound system provides ambiance as you enjoy the built-in wet-bar and wine cooler, while taking in the amazing views. Step out on to the spacious 8′ x 15′ front deck and enjoy Lake Union close up.

The built in Dining Table provides ample seating for you and your guests while they look out on beautiful Lake Union views. High cedar panel ceilings and Cumaru Brazillian Teak hardwood flooring provide a spacious and warm entertaining environment. With windows all around, you and your guests will feel like they are dining at the finest waterfront restaurant. Relax as the boats, kayaks, paddle boards, and crew boats cruise by, providing an always changing view.

Dinner is prepared in the Fully Equipped Gourmet Kitchen with beautiful stainless steel Viking appliances. Enjoy lots of paperstone counter space and a great deal of modern cabinetry. There is also a built-in office area in the kitchen. The kitchen features a dutch door leading to the aft deck and from there, up to the large rooftop deck. The most demanding chefs will be right at home in this smartly designed, beautiful kitchen.

From the entry, head down to the spacious Master and Guest bedrooms that are served by a luxurious 5 piece bath with jetted tub, large shower, and dual vessel sinks. The guest bedroom also features a walk-in closet that also contains the full size stack washer/dryer. The Master has built-in closet space and cabinetry and is quite spacious.

Three outdoor spaces are provided for your enjoyment. Two more intimate spaces are the mid-deck forward and aft decks and the built-in Bar-B-Que on the aft deck is very convenient to the kitchen. The aft deck has a ladder to the large rooftop deck. The rooftop deck has outstanding views of the Lake, Seattle Skyline, and Gasworks Park.

Features of this fabulous houseboat include:

  • 46’ x 15’ 2 story houseboat-vessel
  • Contemporary Design – Built 2007
  • Fabulous views of Lake Union and Seattle Skyline
  • Aluminum hull
  • 2 bedroom, 1.5 bath – Approx. 1080 Sq. Ft.
  • Very Stable Design
  • Gourmet Kitchen—Viking Stainless Appliances
  • Paperstone countertop
  • 3 decks including 20×15 rooftop
  • Cumaru—Brazillian Teak Hardwood
  • Built-in Dining Room table
  • Spacious Living room with brick fireplace
  • Luxurious 5 piece Bath
  • Built-in wet bar & wine cooler
  • Full size stack Washer/Dryer
  • HOA $260/mo – Includes Elec, H2O, Garbage
  • ENJOY THE SECURITY OF SLIP OWNERSHIP!

 

Luxury Lake Union Houseboat

CLICK HERE for More Information!

Click to view Virtual Tour

View the Tour

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Client Recommendation https://idx.specialagentsrealty.com/client-recommendation/ https://idx.specialagentsrealty.com/client-recommendation/#respond Tue, 19 Mar 2013 17:02:57 +0000 http://www.www.specialagentsrealty.com/?p=2134 Home Buyer Recommendation stacimsykes Client, Seller Special Agents Realty is amazing. Linda (and Kevin) are extremely knowledgeable. They take the time to really understand what you want, and bring so many options to the table. Linda was so patient with my husband and I throughout or searching process. She was able to offer us perspective outside […]

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Home Buyer Recommendation

stacimsykes Client, Seller

Special Agents Realty is amazing. Linda (and Kevin) are extremely knowledgeable. They take the time to really understand what you want, and bring so many options to the table. Linda was so patient with my husband and I throughout or searching process. She was able to offer us perspective outside of what we saw. She is very honest and doesn’t just tell you what you want to hear.

I would highly recommend her and her team!

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VantageScores https://idx.specialagentsrealty.com/vantagescores/ https://idx.specialagentsrealty.com/vantagescores/#respond Sat, 16 Mar 2013 16:22:39 +0000 http://www.www.specialagentsrealty.com/?p=2110 New Credit Scoring Available to Consumers and Lenders This is pretty exciting news for those of us who prefer not to use credit cards and prefer to pay cash for what we buy. You will now have a number and a grade A, B, C, D or F to determine you credit worthiness. While it still […]

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New Credit Scoring Available to Consumers and Lenders

This is pretty exciting news for those of us who prefer not to use credit cards and prefer to pay cash for what we buy. You will now have a number and a grade A, B, C, D or F to determine you credit worthiness.

While it still remains important to have and use credit VantageScore will evaluate credit worthiness by taking into account consumers’ bill payment histories and how much debt they are have.

FICO Scoring factors contributing to a credit score:

  • 35% Payment history
  • 30% Amount owed
  • 15% Length of credit history
  • 10% Types of credit
  • 10% New credit

VantageScores, the contributing factors to a credit score are:

  • 32% Payment history
  • 23% Utilization of available credit
  • 15% Credit balances
  • 13% Length & depth of credit history
  • 10% Recently opened credit accounts
  • 7% Available credit

You credit scores will vary if the credit reporting bureaus have different data on file.  Information reported by lenders is not always accurate or consistent when reported to each of the three bureaus.

VantageScore credit rating system is currently being tested by over 200 lenders for 6 months to a year before using it to make credit granting decisions.

We are looking forward to seeing other options to rating credit worthiness.

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Arturo and Staci recommend Special Agents https://idx.specialagentsrealty.com/arturo-staci-recommend-special-agents/ https://idx.specialagentsrealty.com/arturo-staci-recommend-special-agents/#respond Wed, 13 Mar 2013 17:44:25 +0000 http://www.www.specialagentsrealty.com/?p=2077 acesparza Client, Buyer After dealing with multiple real estate agents throughout my past, I have to say Linda has to be the best. She really knows the ins and outs of dealing with difficult buyers and would not turn into a “yes” man until she knew we had the right house for us. I would highly […]

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acesparza Client, Buyer

After dealing with multiple real estate agents throughout my past, I have to say Linda has to be the best. She really knows the ins and outs of dealing with difficult buyers and would not turn into a “yes” man until she knew we had the right house for us. I would highly recommend Linda and have already used her to by my mother her dream house. Thanks Linda!

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Septic Systems https://idx.specialagentsrealty.com/septic-systems/ https://idx.specialagentsrealty.com/septic-systems/#respond Tue, 19 Feb 2013 23:01:11 +0000 http://www.www.specialagentsrealty.com/?p=1928 If you are trying to get information on your Septic System Design contact your county health department to obtain “As Built” plans. This is especially important if you will be doing landscaping or if you will be listing your home for sale. It will be required as a part of the sale for the buyer […]

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If you are trying to get information on your Septic System Design contact your county health department to obtain “As Built” plans. This is especially important if you will be doing landscaping or if you will be listing your home for sale. It will be required as a part of the sale for the buyer and inspections.

This Home Owners Guide to Septis Systems will be a useful guide for learning more on Septic Systems.

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