Top 5 Reasons People Fear Running their Credit Report

Dean-Hayes

Content provided by Dean Hayes, Bay Equity Home Loans

As a mortgage provider, we must run a credit report in order to have an accurate picture of how you might qualify for a home loan. Every now and then, I run into someone who is concerned about having their credit run. They want me to give them an idea of how they might qualify, but they don’t want me to pull their credit report. However, without it, anything we say is purely conjecture.

It’s just like going to see your doctor for an illness. She will want to have have a thorough evaluation (blood pressure, pulse, lab work) in order to provide an accurate analysis. Without that information, it’s malpractice.

The concerns that I see most people have about having their credit report ran can be summarized in 5 general categories.

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15717 Yokeko Dr. – A Serene Waterfront Cabin

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15717 Yokeko Dr. (MLS 1161476) in the Gibralter area of Anacortes is the perfect place to relax.  A serene and private setting, enjoy views of the Cascades, Bay, soaring eagles and excellent fishing are all just out your back door.

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This 2 bedroom, 1 bathroom cabin home sits on approximately 1/3 acre with 140± feet of waterfront, a detached garage plus a shop.

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The fireplace, quaint knotty pine accents and trail to the water make this home a great island home getaway.

Contact Jean Groesbeck & Assoc. LLC today for additional information or to view this charming property at (360) 941-3734 or (360) 899-5027, at Jean@JeanGroesbeck.com or stop by our Old Town Anacortes office at 809 7th St.  We look forward to working for you!

Lovely Views & One-Level Living at 2015 Creekside Cr.

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Enjoy stunning views of majestic Mt. Baker and the Anacortes Harbor from your living room at 2015 Creekside Circle in Anacortes (MLS #1150683).

This spacious one-level living home features 3 bedrooms total, including a large master suite, and 2 total baths with an attached 2 car garage.

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Tall ceilings and an open floor plan let light flood throughout this home, strategically located to maximize privacy and view, or enjoy the outdoors from your private deck!

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For more information about this property, contact Anacortes-based Jean Groesbeck & Assoc. LLC.  Team Groesbeck is available daily for your real estate needs at (360) 941-3734, (360) 899-5027 or at Jean@JeanGroesbeck.com.

 

Custom Timber Frame Home on Nearly 5 Acres

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13854 Marihugh Rd. in Mt. Vernon (MLS 1094358) features extraordinary design and was built using the finest natural materials, such as rich birchwood and fir.

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Set on nearly 5 picturesque acres, this stunning custom home has gorgeous soaring ceilings and light-filled rooms, concrete floors and main-level living among 2,970 SF and 3 bedrooms, 2.5 baths.

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Additionally, the marvelous great room has a beautiful fireplace, there are multiple decks to enjoy the lovely views, there is a fantastic outdoor living area with a gourmet kitchen and outdoor fireplace, as well as a 3 car attached garage, multiple outbuildings, covered RV parking and HUGE shop!

The property also has approximately 2 acres of private trails and quick access to I-5.

For more information or to schedule a private showing of this home, contact Jean Groesbeck & Assoc. LLC in Old Town Anacortes at (360) 941-3734, (360) 899-5027 or Jean@JeanGroesbeck.com – 7 days a week!

Anacortes Shipwreck Day: Sat., July 15

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Organized by the Fidalgo Rotary Club, this year’s Anacortes Shipwreck Day will be held Saturday, July 15, from 8 a.m. to 4 p.m., however some vendors or businesses will be open earlier.

More than 200 vendors and businesses will have items for sale throughout the day along Commercial Avenue and the surrounding side streets.

Admission to this event is free, and more information can be found at www.shipwreckfest.com.

Custom Home in Gated Community with Sound Views!

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Located in a gated community of estate sized properties, 6953 San Juan Hill Lane (MLS #1155143) in Anacortes is a nearly 3,000 SF custom home with an open floor plan, which provides sweeping views of Puget Sound that flood through the expansive walls of windows.

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The rooms are spacious and the kitchen has abundant counter space and storage.  Built with quality craftsmanship throughout, there are 3 bedrooms and bathrooms in addition to a luxurious master suite, an extremely private setting with large level yard, RV parking, direct access to Anacortes Forest Lands, patio with fountain, 2 large decks, and beautiful landscaping.

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Contact Jean Groesbeck & Assoc. LLC today for additional information or to view this gorgeous property at (360) 941-3734 or (360) 899-5027, at Jean@JeanGroesbeck.com or stop by our Old Town Anacortes office at 809 7th St.  We look forward to working for you!

OPEN HOUSE: Sat., July 8 – 4933 Heather Dr.

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Join Team Groesbeck this Saturday in Anacortes for an open house of 4933 Heather Dr. (MLS #1155736) in Skyline from 12 to 3 p.m.!

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This very rare, unobstructed and sought after view is one you must see to appreciate! The home is close to the water and offers an expansive panoramic view of the islands, Skyline marina, bay, the Olympic Mountains.

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Remodeled and updated, there is an open main level living floor plan among 2,314 SF, 2 master suites on the main level, contemporary architectural details, 3rd bedroom & 2 flex rooms on the lower level, which also has a view!

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Relax on the spacious deck, park your RV at home, and enjoy the fully fenced and beautifully landscaped back yard with fruit trees and berries.

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For more information about this property, contact Anacortes-based Jean Groesbeck & Assoc. LLC.  Team Groesbeck is available daily for your real estate needs at (360) 941-3734, (360) 899-5027 or at Jean@JeanGroesbeck.com.

20+ Acres of Waterfront Privacy & Serenity on Guemes Island

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4142 Clark Point Rd. offers serenity and privacy on more than 20 acres of build-ready waterfront property, with 800 feet of sandy shoreline!  Just a 5 minute Ferry ride from Anacortes, this home is unmatched.

Enter this gorgeous property through an electric gate with a phone system, then drive down the long and winding driveway that provides your home with privacy while you take in the fabulously landscaped grounds and park you vehicles in the spacious three car garage.

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The property’s improvements include a heated swimming pool with an electric cover, surrounded with Pennsylvania Bluestone pool decks; outdoor living area with hot tub and fireplace, built-in BBQ, party cabana and pool equipment building.

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Walk the trail to the beach, enjoy the barn/shop space, newly resurfaced and fenced tennis court, 2 ponds, circular drive, native gardens, meadows, majestic trees, sounds of lapping waves, spectacular views, abundant wildlife and more!  All utilities are onsite and there is a septic with two drain fields, in addition to a private fire hydrant.

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For additional information and to schedule an appointment to see this one of a kind property in person, contact Anacortes-based Jean Groesbeck & Assoc. LLC 7 days a week at (360) 941-3734, (360) 899-5027 or by email at Jean@JeanGroesbeck.com.

July 4th Safety for Pets

Jingles Flag Day

Prepare to keep your pets safe in advance! Fireworks are both frightening and dangerous to animals, often causing them to run away in fear. Here are some tips to keep them safe:

  • Make sure your pets – cats and dogs alike – have identification tags with up-to-date information.
  • If your pets aren’t already microchipped, talk with your veterinarian about microchipping. This simple procedure can greatly improve your chances of getting your pets back if they become lost.
  • If your pets are microchipped, make sure your contact information in the microchip registry is up-to-date.
  • Make sure the environment is safe and secure. If your neighbors set off fireworks at an unexpected time, is your yard secure enough to keep your pet contained? Evaluate your options, and choose the safest area for your animal and make improvements if needed to make the area more secure.
  • Leave your pets at home when you go to parties, fireworks displays, parades and other gatherings. Loud fireworks, unfamiliar places and crowds can all be very frightening to pets, and there’s great risk of pets becoming spooked and running away.
  • Consider putting your pets in a safe, escape-proof room or crate during parties and fireworks.
  • Keep your pets inside if you or your neighbors are setting off fireworks.
  • Keep sparklers, glow sticks, fireworks, charcoal and kabob skewers, etc. away from curious pets.
  • Don’t let pets get near your barbecue grill while it is in use or still hot.
  • Never leave your pet in your car when it’s warm outside. Vehicle interiors heat up much faster than the air around them, and even a short time in a locked car can be dangerous to pets.
  • After the celebrations, check your yard for fireworks debris before allowing pets outside to play or relax. Even if you didn’t set off fireworks yourself, debris can make its way into your yard, where curious animals may pick it up to play with or eat.

For additional information, CLICK HERE to visit the American Veterinary Medical Foundation website online.

Homeownership: A savings lifeline

Dean-Hayes

Content from Dean Hayes, Bay Equity Home Loans

With home prices rising to all-time highs, many potential buyers may imagine drowning in a sea of monthly payments stretching across many years.

Naysayers bob to the surface with harrowing tales of home-buying gone wrong. If the down payment doesn’t get you – well the property taxes, maintenance and insurance surely will!

These so-called “savvy” investors say renters who dutifully put all money not spent on housing into stable investments – like mutual funds – may get a greater rate of return.

Criticism of home ownership as an instrument of wealth-building has understandably become louder in the last decade, after a Housing Bust that put more than 10 million homeowners upside-down, and 4 million more into foreclosure.

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