Home Buying in Everett>Question Details

Foxefyre@aol…, Other/Just Looking in 90001

I am currently window-shopping right now, with an eye towards a 2-3 bedroom house, fireplace, hardwood

Asked by Foxefyre@aol.com, 90001 Fri Nov 9, 2007

I survived a mild stroke 2 years ago, though it totally wiped out my finances. I am currently starting Occupational and Speech Therapy (I think it should take 3 months). I am rebuilding my credit report. How do I proceed? What is the outlook for moving to the Everett area?

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Nick Bert 425-492-5411
Thank you
0 votes Thank Flag Link Thu May 5, 2011
Website....address below. Please visit to search for homes or give me a call.
Best Regards,
0 votes Thank Flag Link Wed Mar 16, 2011
As a breast cancer survivor I can relate to your life altering experience. If you want to work with a Broker who will get you the BEST deal, with the least amount of hassle to you and in the quickest possible time frame....give me a call. I have over 28yrs experience and will be a trusted advisor you can count on.
Terri Mann
0 votes Thank Flag Link Wed Mar 16, 2011
Good advice from everyone...speaking with a lender and assessing your financial status is certainly the first step. After that you can search on your own for homes through any of a number of web sites. And as for the latter part of your question, the outlook for moving into Everett is probably better than anywhere, ( financially speaking), other than perhaps Marysville. their are many homes in downtown Everett with fireplaces and hardwood floors near the 200k price point....best of luck with your recovery....Mike
0 votes Thank Flag Link Thu Nov 13, 2008
First of all, beware agents who promote their company's web site. You can find homes on every site, and if you are considering For Sale By Owner, Short Sale or Foreclosed properties, Only Zip Realty lists them all, plust all other MLS listings, just like everyone else. Now to your case. I suggest you contact a non-profit called "Housing Hope". They have programs for disabled and disadvantaged clients. You should also contact a credit counseling agency, like Consumer Credit Counseling to help you repair your credit. Finally, you should contact an agent. Given your special needs, I'd suggest you work with someone who knows the area, has at least 5 years in the industry, and who has experience in HUD housing programs. If you'd like more information, you can email me at jay.sunderland@ziprealty.com I wish you a quick recovery.
Web Reference: http://www.ziprealty.com
0 votes Thank Flag Link Sun May 11, 2008
Windermere has 49% of the Greater Puget Sound real estate market. Windermere's closest competitors are both at 9%. Try the Windermere website to search for homes: http://www.windermere.com -- this site provides complete up-to-date accesss to the MLS (regardless of the listing broker). Next, find an experienced agent you can trust. The better agents can suggest a mortgage broker with competitive rates that can review your finances and give you advice on the course for you to take. Here is the mortgage broker I have used for 7 straight years. Maybe he can help you.
0 votes Thank Flag Link Tue Apr 15, 2008
Everett is a fabulous place to call home and there are many choices in today's market. I think you will find that there are lots of homes on one level making it easy for you as you continue your recovery. Getting your credit in order and educating yourself on the different types of financing available are a very important step in getting into your new home. I have worked closely witha lender in Everett that may be a good match for your situation as he is very familiar with the area and programs that you may be eligible for. If you are anot already working with someone, I would be happy to make the referral!
0 votes Thank Flag Link Wed Mar 26, 2008
There are some important steps that I would recommend you start into right away. The sooner you start repairing or improving your credit the better. Very first thing though, do NOT start canceling old credit accounts at this point until you have done more research. Canceling and old credit card could be bad for your credit.

So, before you begin, know your credit. You can go online and get your free credit report from the THREE major credit bureaus. Obtaining these reports (print them off too) you will know just what has been put against you. I personally wouldn't worry about getting the points score; It costs money and it does nothing for you personally.

Here is the link to the Federal Trade Commissions Website. They will be a good source to get started with.

Once you know the "dings" in your credit report it is then time to start fixing those high balances. Do not take out new loans or new lines of credit unless necessary. New lines of credit will always set you back about 6 months until that credit has been able to season for a time. Creditors like to know what you do with the access that has been given to you. They like to make certain your not going to have all this new credit and then spend it all. Even purchasing a vehicle could cause some heartache when trying to get a loan on a home.

Once you have worked on decreasing your balances then would be the time to start working with a real estate agent and a lender. This is when you will be ready to make that move into a new home. It is common place for people to get a little ahead of this shift and then struggle for the next several years while they try to balance things out. HOWEVER, every situation is different. If you feel you are close to making your housing purchase then you should talk with a mortgage broker or financial institution to see what your options are.

If you do have an agent then I would recommend consulting with them on some options to finding a good mortgage broker. Often times they will be able to direct you to that professional that will have a program for your needs. They also have built some trust and know that there referred professionals will take care of their clients. An agent is a great resource to help educate you through the process.

I wish you Best Wishes in taking the next steps that will lead you to home ownership. I hope this information has been beneficial.
Web Reference: http://www.homelantern.com
0 votes Thank Flag Link Mon Nov 19, 2007
Pick up today's Seattle Times. Everett is the #1 choice so far for a new University of Washington Camput. Everett is making great progress in improving the downtown core as well as the marina area. There are some great buys now. Get preapproved, hire a competent Realtor from the area and find your new house. It's a great place to live!
0 votes Thank Flag Link Fri Nov 16, 2007
Im not from the area, but i can say that i would start with your credit. If you think you have issues with credit, then contact a referred credit repair company. Make sure the mortgage professional, or Bank you use can refer you to someone that they personally know. There are many credit companies that can not perform, and will take you for a ride. Get someone who knows a qualified company. If your mortgage broker runs your credit and thinks that your credit is fine, then proceed to get qualified, and good luck with your recovery.
0 votes Thank Flag Link Fri Nov 9, 2007
Good for you on the recovery....beginning a second life! I would go see a financial advisor, CPA or mortgage broker, to get an idea of what your options are now, and how to best have a plan of attack for the future. Consider all your assets, cash and otherwise so you can best see your options.

After you have a handle on where you are, and a plan for 6 months, 1 yr and so on, then you can approach a Realtor with a budget in mind.
Web Reference: http://iansellsnola.com
0 votes Thank Flag Link Fri Nov 9, 2007
Congratulations on your recovery successes!

I would really suggest meeting with a lender sometime soon to take a look at your credit and find out exactly what your goal should be to get to a place where you could afford the type of place that you want/need.

Everett and all of So Snohomish County is really some of the best areas to buy in right now. Many people can't afford to live too close to Seattle and Everett offers a lot more affordable options for people. I would say with the slowing market right now to try to purchase sometime between now and 6-12 months. This is a great time to be a buyer and Everett is a good area to not only make an investment but also settle down.

Once you talk to a lender and find out when and what you can afford...begin the search. It's never too early to "window shop" as you stated.

I hope that helps. Good luck on your house hunt...don't be afraid to ask myself or any other area realtors on Trulia other questions you may have!
Web Reference: http://www.agentsamuel.com
0 votes Thank Flag Link Fri Nov 9, 2007
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