home: Wallpaper your home from photos! - 02/09/08 02:05 PM
Do you have fond memories from a favorite vacation spot? Why not relive the ambiance and ecstasy of that special trip of rest, recreation, and relaxation.
The secret? by having Denmark-based Ferm Living turn your photo into custom designer wallpaper!
In a fairly simple, but not cheap, process you can now decorate your … (1 comments)

home: Budget Minded Home Decorating Site - 10/13/07 07:59 PM
Kathy Wilson has an interesting Web site packed full of fun, creative, and low-cost home decorating ideas. check out her site Home Decorating On a Budget for a cornucopia of decorating, gardening, organizing, small space, and work-at-home solutions.
The site also contains links to books and other resources to enhance your quest … (1 comments)

home: Online Interior Design - $250 Per Room Design Scheme - 10/06/07 12:19 PM
A couple of weeks ago I posted Pimp My Pad - Cure Ugly Home Syndrome! a great site from a budget conscious blogger with a knack for finding the latest chic home accessories that won't break your little piggy bank.
Well now that you have acquired a few knickknacks, how do you … (3 comments)

home: FTC Warns Over 200 Mortgage Companies - Deceptive Advertising - 09/11/07 04:19 PM
The Federal Trade Commission  issued warnings to mortgage brokers and lenders, regarding inappropriate advertising claims about mortgage interest rates and terms (or lack of full disclosure).
Seems as if a small number of mortgage brokers constantly embrace a flippant attitude, thinking they are immune from the Truth In Lending Act (TILA). Unfortunately … (4 comments)

home: Paint, A Little Splash Will Save Time and $$$! - 05/24/07 04:10 PM
My wife and I are preparing to paint the exterior of our home this Memorial Day weekend (better than fighting motorist & ferry traffic).
We have quite different opinions regarding the optimal hue for the home, gutters, and trim. So many colors to choose from! So, how did we resolve our … (0 comments)

home: Mortgage Brokers Save You Money-Part II - 05/15/07 11:21 AM
In Part I, Mortgage Brokers Save You Money-Part I we noted that mortgage brokers generally offer better financing packages than banks.
Let's examine this issue in more detail. Bank lenders only offers mortgage products from their own (usually very limited) products the bank produces. Sometimes bank lending agents may not want to … (2 comments)

home: Mortgage Brokers Save You Money-Part I - 05/11/07 03:06 PM
You finally got the house you wanted! You should be happy as a lark. But what if, after moving in, you discover you could have gotten a much better financial deal? Would you still be as happy as a lark? It is quite possible to get the best deal, by using … (0 comments)

home: Don't Be Just Another Fish In The Sea - 05/08/07 11:08 AM
As one of many loan officer in Bellingham, I need to distinguish myself from competing mortgage companies and banks offering home loans.
One way is the wonderful ActiveRain Web site! I've had two prospects contact me after discovering me on the ActiveRain site!
Customer service is a key component these days, … (2 comments)

home: Help Getting A Good Mortgage - 05/08/07 09:35 AM
Bellingham Washington, and other cities in our state, continue to defy the national trend of declining home prices. Does this mean that purchasing any home is a good investment? - NO!
Home buyers need to make & take the time to get a home AND LOAN they can truly afford, especially … (0 comments)

home: Whatcom County Home Prices Up In FIrst Quarter - 05/03/07 01:12 PM
An encouraging article in the Bellingham Herald notes that home prices for the Bellingham area have increased compared to one year ago. While many other areas of our country struggle with flat or declining property values, Bellingham had the fourth highest appreciation rate in a survery of 63 metropolitan areas!
(1 comments)

home: Refinancing Your Home - 04/28/07 01:10 AM
Interesting article on the Zillow Web site:
Refinancing Your Home You have an Adjustable Rate Mortgage (ARM) which was doing fine enough that you bragged about it - but now interest rates seem to be on the upswing, with the Fed raising rates and everyone buzzing about it. Lying awake at night … (0 comments)

home: Web Site - Home Value - 04/26/07 04:24 PM
If you are trying to get a ballpark figure for what a home might be worth, the following Web sites are a starting point:
http://www.reply.com/r_real_estate/?adid=19695
Just type in the address, along with city, state or zip code. A valuation pop-up with more options appears. You can view comparables, local for sale list, property … (0 comments)

 
Loan Officer: Michael Lozar - Mortgage Loan Officer Bellingham (PTF Financial Corp. - My Mortgage Company)
Michael Lozar - Mortgage Loan Officer Bellingham
Bellingham, WA
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PTF Financial Corp. - My Mortgage Company

Office Phone: (360) 685-4205
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Welcome to the Great Northwet (rains a lot). My soapbox for the home loan business and lifestyles in Bellingham, Whatcom County, Skagit County and Washington state.


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