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Nervous About Getting Approved For a Home Loan?
Are you nervous about getting approved for a home loan?
Don’t be! Staying informed about what to expect and what you should and should not do will help ease some of that worry. We are here to help you. Follow these simple DOs and DON’Ts and they will help you avoid hiccups during the approval of your home loan.
Dos:
- Continue to your current rent or mortgage payments on time.
- Stay up to date on all existing accounts (even if you are paying them off).
- Continue to work for your same employer.
- Continue to use the same insurance company.
- Continue living at your current residence.
- Continue to use your credit cards as normal.
- Call your trusted lender if you have any questions.
Don’ts:
- Make any major purchases like cars, boats, furniture, jewelry ect.
- Apply for a new line of credit (credit card or loan) even if you are pre-approved.
- Open a new credit card.
- Transfer any balances from one account to another.
- Pay off any collections or accounts without first checking with your trusted lender.
- Close any credit card accounts.
- Change bank accounts or banks.
- Max out or overcharge your current credit cards.
- Consolidate your debts into fewer accounts.
- Take out a new loan.
- Start any home improvement projects.
- Finance any elective medical procedures.
- Open new cell phone accounts.
- Create a new fitness membership at a gym or club.
If you run into any unique situation that leaves you questioning whether you should proceed it is in your best interest to connect with your lender and ask before you make any decisions. Your lender can help you determine what is right for you in your unique situation to achieve your financial goals.
If you do not have a lender of your own or would like to discuss buying or selling a home, please do not hesitate to connect with us so that we can help you.
Email us at WhidbeyCommunications@windermere.com or call us at 360.675.5953
Deception Pass Bridge
Whidbey residents know that some of the most beautiful sunsets can be seen from the Deception Pass Bridge, but have you seen this unique view of the Bridge and Goose Rock from Cornet Bay? If you are not familiar with Cornet Bay, it is a small inlet in Deception Pass State Park with some of the most spectacular views of Deception Pass and Ben Ure Island to the east. It features a marina with moorage for many boats and offers a store, restrooms, fuel dock, picnic areas, hiking trails, and much more. Recent & extensive restoration of the nearby shore is worth checking out as well!
This stunning photo was taken by Randy Heiserman
Check out the rest of Whidbey’s beautiful destinations from this series here.
Improving Lifestyles While Reinforcing Independence
Did you know that our North Whidbey Help House offers more than just food? Part of their mission is to, “offer the best assistance possible and assist wherever possible in not only improving lifestyles but striving towards independence from the need for assistance.”
WHERE DOES THE ASSISTANCE COME FROM
They work in combination with other human service agencies within our communities and even offer welfare checkups to those in need. However, they cannot do it all alone. The North Whidbey Help House relies on 96.41% of public funding and the remaining 3.51% from the Washington State Department of Agriculture’s Emergency Food Assistance Program (EFAP).
That means it is donations from people like you and me that personally affect those in need within our community to keep this program running.
DURING THE HOLIDAYS
During the holiday seasons alone in 2021, the help house was able to provide 458-holiday food baskets that fed over 1,870 people. There were 45 families “adopted” for Thanksgiving, and 51 Families for Christmas. Let’s make sure they can offer the same, if not more this year.
With the weather changing here in the Northwest, there is a need for warmer food items like to-go oatmeal bowls where you just add water, hot-hands, pasta, and rice. Easy-to-open items like pop-top cans of meat, cereal, and peanut butter are much appreciated.
WHAT ABOUT HYGIENE
Did you know the help house goes above and beyond supporting those in need with hygiene products too? There is a need for items like toilet paper, toothbrushes, deodorants, and feminine products.
HOW YOU CAN HELP
We urge you to take a moment to clean out your pantries this month and donate any extras you might have that are cluttering up your space. We have made it easy by hosting a drop-off location in our Oak Harbor and Coupeville offices on Whidbey Island for you to drop off your donations.
We know it has been a rough year for a lot of people. Let’s work together to make it slightly easier for those in our community who are struggling to get by.
To kick off this event @WhidbeyIslandLiving has pledged to cut her coffee orders for a week and donate the funds directly to raising funds for the Whidbey Island Help House. If you would like to join in the efforts you can make a money donation here. Once done, message us at @windermere_Whidbey_Island as we would love to publicly thank you on Instagram for your donation and inspire others to do the same!
Greenbank Farm
Almost 19 years ago the planning for 7 distinct gardens at Greenbank Farm began with the Master Gardener volunteers. These gardens are beautiful, but their main purpose is to educate and demonstrate. Two more gardens have been added as well as amazing sculpture art. You can visit these gardens year-round and learn the secrets behind what types of plants do well here, what they look like throughout the year, how to care for, space, and group them, and how to avoid using harsh chemicals. You can even attend classes or workshops on-site in the spring and summer. Such a wondrous Whidbey Island gem!
This gorgeous photo was taken by a local photographer Melissa Goldman. Find more of her work on her Instagram at @melissa.goldman
Check out the rest of Whidbey’s beautiful destinations from this series here.
You’ll Lose Money When You Overprice Your Home
You are probably asking yourself, “did I read that right?”
Yes, yes you did.
It is normal for sellers to want to get the most money out of the sale of their homes. It feels safe to list your home at the price you are desiring to get, but the reality is listing high might actually do your pocketbook more harm than good in the long run. Follow along as we explain why.
RISKS OF OVERPRICING YOUR HOME
You are drawing the attention of the wrong buyers.
Most people begin their home purchasing journey by searching which homes are available in their desired location online. Consider this. Your home is worth $500,000, but you list it for $575,000. When buyers are looking online, they filter to find homes within their price range and typically by $25,000 increments. The person looking for a $500,000 home will never see yours and if they do they will believe it is out of their reach, and when the buyers looking in the $575,000 range see your home and compare it to others in that range, they will get the impression it is not worth it, and there are better options.
Fewer people will see your home.
When your home is overpriced, the issue can be detected by buyers just by looking at your online listing and will pass on viewing it in person. The more showings you have, the more legitimate interest there is, and the more likely your home is to sell. Showings give potential buyers an opportunity to see the home first-hand giving them the opportunity to imagine themselves living there.
On the other hand, if you get lots of showings because your photos look better than reality but no offers you’ve wasted your best shot at getting the right buyer through your home and you there are no redo’s for first impressions. This leads us to our next point…
You are sending the “I’m an undesirable home” message to the public.
As people continue to look for a home and new buyers enter the market, they might see your home online, but by that time they will also see the “time on market”. The longer your home sits on the market, the less attractive it becomes psychologically to everyone. Nobody wants the home that nobody else wants. Once it has lost its appeal the damage is done. You’ll find yourself beginning to reduce your price and often end up at a price less than what the home could have sold for if it was priced right the first time.
In conjunction with price reductions, the longer your home sits on the market, the more expenses you incur. Consider mortgage payments, utility costs, lawn care maintenance, seller’s fees, and more while you are trying to move out.
Your buyers won’t be able to finance if it doesn’t appraise.
Perhaps you drop the price just enough to intrigue a buyer but still above market level. Maybe you’re lucky enough to hook a buyer. Then the appraisal comes back low. Now you either have to come down in price or lose the buyer and start over again, with 20-30 days more on market…
If you are considering selling your home and would like a complimentary analysis to determine the correct value of your home in this market connect with us to be paired with an experienced Windermere agent that can help you with your unique situation and avoid all the overpricing pitfalls.
Back to School Coupeville
If your children are attending the Coupeville School District this year this is the right place for you!
COUPEVILLE: KINDERGARTEN – Download list here!
COUPEVILLE: 1ST GRADE – Download list here!
COUPEVILLE: 2ND GRADE – Download list here!
COUPEVILLE 3RD GRADE: Download list here!
COUPEVILLE 4TH GRADE: Click here for the GoFundME!
COUPEVILLE 5TH GRADE: Download list here!
COUPEVILLE MIDDLE SCHOOL
COUPEVILLE HIGH SCHOOL- The recommended supplies will be on each class syllabus that your student will receive during the first week of school.
NEW SKYWARD:
CSD now uses Qmlativ as our student management system. This platform updates and hopefully improves on Skyward. Qmlativ is now where students and parents can check grades, contact teachers, and pay fees. There will be brief training provided to help parents and students navigate the new system shortly.
LUNCH:
The USDA has discontinued free lunch for all students. Lunch for students returns to $3.45. We will also return to our two-lunch bell schedule. That means we will have 6th-8th lunch after 3rd period, and 9th-12th lunch after 4th period.
Back to School Oak Harbor
If your children are attending the Oak Harbor School District this year this is the right place for you!
One of the biggest changes this year is most of the SCHOOL SUPPLIES will be provided for you!
The Oak Harbor School district received funds through local levies that contributed to the school being able to provide most, if not all school supplies for students this year. Each school has provided comments for what your child will still need. We have put them all in one place for you to include links to each individual school if you need further information.
Crescent Harbor Elementary School – parents will only need to provide backpacks and headphones!
Hillcrest Elementary – a backpack and headphones (no earbuds, please)!
Broadview Elementary – a backpack and headphones (no earbuds, please)!
Oak Harbor Intermediate School – Suggestions for supplies that are not provided are a regular backpack, 2″ 3-ring binder (for organization), headphones, and a water bottle.
North Whidbey Middle School – Don’t forget a backpack and clothes for PE!
Oak Harbor High School – Recommended Supplies for each class will be provided the first day of school
FIRST DAY OF SCHOOL:
Kindergarten – 7 September 2022
1 – 12 Grade – 6 September 2022
Home Connection – 12 September 2022
Hand-in-Hand – 14 September 2022
START AND RELEASE TIMES:
| School | Start Time . | Regular Release . | Wednesday Early Release |
| OHHS | 8:00 am | 2:30 pm | 1:30 pm |
| NWMS | 7:45 am | 2:15 pm | 1:15pm |
| OHI | 8:55 am | 3:25 pm | 2:25 pm |
| ELEMENTARY . | 9:00 am | 3:20 pm | 2:20 pm |
CHANGES TO THE FREE AND REDUCED LUNCH PROGRAM:
During the COVID-19 pandemic, federal programs provided funding for schools to provide free school meals for all students. Beginning in the 2022-2023 school year, the funding that allowed for the free meals for all will expire. All families are encouraged to complete a 2022-23 Household Application for Free and Reduced-Price Meals if your household income is within the guidelines. Learn more about how to apply!
TRANSPORTATION:
Transportation services will begin on Tuesday, September 6, the first day of school. All families needing transportation to or from school are required to fill out a transportation request form. Fill out a transportation form online!
High Bank Waterfront
Whidbey Island has an interesting geological history. During the last glacial age (around 15,000 years ago) Whidbey was so weighed down with ice that it was submerged far underwater. High bluff areas like the ones on West Beach, pictured on the front, are well above the waterline now but the wind, waves and slowly eroding bluffs keep geology enthusiasts coming back for interesting finds. These have included mammoth bones (no kidding!), huge erratic boulders dumped by glaciers, bands of black peat, and even shell middens left by the Coast Salish. Insane right? Tell us what you have found walking along the high-bank waterfronts of Whidbey.
This stunning photo is brought to you by: Willie Shaw
Fort Casey State Park: Unique History and Breathtaking Views
Located on Whidbey Island, Fort Casey State Park is a great place to visit for those looking to explore the Pacific Northwest and Whidbey Island. It’s hard to pick just one thing that makes this place so special! So we picked three!
#1 The park’s location is perfect for history buffs who also love the outdoors. There are miles of trails winding through forests filled with towering Douglas Fir trees, open grassy fields, and dotted throughout are all the historical infrastructure. It affords several unique photo opportunities from the expansive water views, military relics like the large cannon guns, the infamous Admiralty Head Lighthouse, and fauna like bald eagles and deer.
#2 There are so many stories associated with this one location. History buffs will learn about the Civil War-era military fort that was built here in order to protect against a potential invasion via water from Japan or Russia during World War II with the “Triangle of Fire. The Admiralty Head Lighthouse adds another slant of historical intrigue. The original lighthouse, which was built in 1894 and first lit on January 21st of 1895 could be seen as far away as 14 miles with a focal plane of 128 feet above the high tide line. You can now visit the lighthouse in its expertly restored state and learn from the volunteer docents that keep the small museum housed inside. Learn more here http://www.washingtonlighthouses.org/data/lighthouse_ah.html
#3 So many ways to stay! If a day trip is not long enough to soak it all in you can book a campsite at the base of the bluff on the Southern end of the park. It’s located on a bit of a sandy plateau right next to the Ferry landing that serves the Washington State Ferries Port Townsend to Coupeville route. In fact, a neat feature of weekend camping here is that you can walk on the Ferry and explore the historical Water Street in Port Townsend! Grab an amazing meal from one of Port Townsend’s excellent restaurants just don’t miss the last ferry back! If that sounds too risky then head over to Callens Restaurant for some of Coupeville’s best food and drink. If camping accommodations is not your thing you can stay at Camp Casey with a variety of accommodation types. Check it out here https://casey.spu.edu/staying-at-camp-casey/lodging/
Whichever you choose, a day trip or an overnight stay at Fort Casey State Park is sure to leave you with some one-of-a-kind memories!
Langley Pelicans
Did you know that well over a century ago White Pelicans were common in our area? Unfortunately, the use of pesticides and a change in habitat threatened the species. For years, these gorgeous birds went relatively unseen until a flock graced our South Whidbey waters in 2016 visiting Deer Lagoon and Honeymoon Bay. With the loss of breeding grounds, these huge birds are known to prospect new locations and have returned to Deer Lagoon every year since. Bird watchers now anxiously await these feathered friends every year. Will you be one of the lucky ones to spot them?
If you are or are interested in becoming an avid birdwatcher check out our blog Bird Watching on Whidbey Island here.
