How to Cancel your Mortgage Insurance


Content provided by Dean Hayes, Bay Equity Home Loans

Nearly 4 out of 10 people don‚Äôt know that you can buy a home with less than 15% down. When you do, you will be paying mortgage insurance ‚Äď an insurance policy that protects the lender in case you don‚Äôt make your payments and default on your home loan.When-can-I-Cancel-my-Mortgage-Insurance

Many people believe mortgage insurance is a waste of money and want to get rid of it as soon as possible. Actually, I can show you the math where mortgage insurance is a very inexpensive alternative to the cost of waiting, but that’s another post.

If you have mortgage insurance on your home mortgage and want to get it removed, we have to first start by identifying the type of mortgage that you have.

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Spotless Single-Level Anacortes Home: 1808 Cedar Springs Ln.

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1808 Cedar Springs Lane in Anacortes (MLS 1198587) has been updated in 2017 and is a spotless, move-in ready home that provides stress free living.

Listed at $400,000, this single level home has 2 bedrooms, 2 baths, an over-sized 1 car garage with an epoxy floor and more than 1,300 SF of superbly used space.  Built in 2004, the exterior of the building and the beautiful grounds are maintained for you.

This home has a very private patio that opens up to an expansive lawn bordered by lush vegetation. It is newly painted, has new granite and quartz surfaces and new fixtures.  Set in a great in-town location, 1808 Cedar Springs Lane is located across the street of Ace of Hearts and the dog park.

Contact Coldwell Banker Bain/Jean Groesbeck & Assoc. LLC daily for all of your real estate needs!  Located in Old Town Anacortes at 809 7th St, Team Groesbeck can be reached at (360) 941-3734 or


Rare Single Level Living in Mt. Vernon’s Eaglemont Community



Located at 4701 Beaver Pond Dr. North (MLS 1194609) in Mt. Vernon, this is a rare single level home within the desirable Eaglemont community and is listed at $475,000.

Featuring 3 bedrooms, 2.5 baths and approximately 2,388 SF, RV parking and a 2 car garage, this home is a fantastic find.

Enjoy a formal living area and dining room or cozy up to the convenient gas fireplace in the family room.  The spacious and gorgeous kitchen features granite counters, elegant hardwoods, stainless steel appliances and a breakfast nook!


The ample master suite has a generous walk-in closet, walk-in shower, dual vanities and soaking tub.

Beautifully landscaped with a relaxing waterfall, unwind on the deck and take it all in!

Located in Old Town Anacortes, Jean Groesbeck & Assoc. LLC is licensed under Coldwell Banker Bain and can be reached daily at (360) 941-3734 for all of your real estate needs throughout Skagit County and beyond!

Excellent 15,000 SF Anacortes Lot with Development Opportunity


Located off D Ave. in Anacortes (MLS #943659), this 15,000 SF lot could be a great investment opportunity set in an excellent location!  The property has the potential to be subdivided or for two duplexes to be built with a conditional use permit.

Easily accessible to Hwy. 20, Oak Harbor and NAS Whidbey Island are just a short drive away. City sewer and water are available, and electricity, phone and cable are in the street.

Contact Jean Groesbeck & Assoc. LLC in Old Town Anacortes for more information or to view this property at (360) 941-3734 or

Seller’s Guide to a Home Inspection

Charming 1925 Old Town Anacortes Home on Nearly 3 Lots

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810 7th St. (MLS 1055458) was built in 1925, features 4 bedrooms and 1.75 baths, more than 1,500 SF and is in the heart of the Old Town Anacortes action!

Available for $399,000, this property is located just steps from the Anacortes Farmers Market, local restaurants, shops, Cap Sante Marina and trailways.


Spanning nearly 3 lots with a detached garage and level back yard, 810 7th St. is zoned Commercial Business District and could be an excellent investment opportunity for rental income, a VRBO, or business.

Available 7 days a week for all of your real estate needs, contact Jean Groesbeck & Assoc. LLC for more information about this property or to schedule a private showing at (360) 941-3734 or

Improving Your Credit Score


Content provided by Dean Hayes, Bay Equity Home Loans

One of the biggest misconceptions about buying a home is that you need perfect credit in order to qualify. In fact, many programs allow much lower credit scores when qualifying a home buyer. But there are still certain minimums that you have to meet. So, how do you go about improving your credit scores?

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Spectacular Unobstructed Bay & Mt. Baker Views from 3702 Fidalgo Bay Rd.

3702 Fidalgo Bay Rd Anacortes-1028

3702 Fidalgo Bay Rd. in Anacortes features spectacular unobstructed views of Fidalgo Bay, majestic Mt. Baker, commercial boat and yacht traffic from Cap Sante Marina, as well as a large deck to entertain on and enjoy it all from!

3702 Fidalgo Bay Rd Anacortes-01-3

Listed for $475,000, this well-cared for home is approximately 1,901 sf., 2 bedrooms, 2 bathrooms, has a spacious kitchen that is flooded with light, an attached garage and detached garage, which is currently used as a music room, as is ADA accessible. The amount of flex space in this home could easily be converted into additional bedrooms!

3702 Fidalgo Bay Rd Anacortes-01-7

For additional information about this Anacortes property or for any of your real estate needs, please contact Jean Groesbeck & Assoc. LLC, Licensed under Coldwell Banker Bain, DAILY at (360) 941-3734, or via email at  Located in Old Town Anacortes, visit our office at 809 7th St.!

Credit Reporting Changes May Improve Mortgage Approvals


Content provided by Dean Hayes, Bay Equity Home Loans

There are some changes coming to credit reporting guidelines, and it could help more people qualify for a home mortgage.

Already, qualifying for a home mortgage is getting easier each year. Guidelines are being loosened, debt-to-income ratios raised, co-signed debt is easier to disregard, and reserve requirements lowered. It’s worth noting, however, that guidelines are no where near as Mortgage Credit Availability Index July 2017 loose at they were in 2006, which is a good thing. Yes, it’s harder to get a mortgage today, but it should be.

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For all of your real estate needs, contact Jean Groesbeck & Assoc. LLC, Licensed under Coldwell Banker Bain, in Old Town Anacortes: (360) 941-3734 or

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Cozy Anacortes Home Near Downtown, Shops & Schools

2517 17th-11


Built in 1920, this cozy home at 2517 17th St. (MLS 1179750) is located in a fantastic neighborhood near downtown Anacortes, local shops and acclaimed Anacortes schools.

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Priced at $240,000 with 3 bedrooms, 1.5 baths and approximately 1,236 sf, the home has an ample living room with a gas fireplace, great sized eat-in kitchen, utility/mud room, large fenced yard with fruit trees and raised garden beds on the side patio. There is also a detached outbuilding/studio in back with electricity.

Zoned R2, there is also room for improvements to be made by a savvy investor or it could make an excellent starter home.

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Located in Old Town Anacortes at 809 7th St., Jean Groesbeck & Assoc. LLC, Licensed under Coldwell Banker Bain, is available daily for all of your real estate needs.  Contact Team Groesbeck at (360) 941-3734 or today!