NorthWest Foreclosure Blog

What is the Foreclosure Process? From HUD.

Tue, 27 Oct 2009 23:31:34 -0500

Foreclosure processes are different in every state. If you are worried about making your mortgage payments, then you should learn about your state's foreclosure laws and processes. Differences among states range from the notices that must be posted or mailed, redemption periods, and the scheduling and notices issued regarding the auctioning of the property. However, a general understanding of what to expect can be found on our Foreclosure Timeline.

In general, mortgage companies start foreclosure processes about 3-6 months after the first missed mortgage payment. Late fees are charged after 10-15 days, however most mortgage companies recognize that homeowners may be facing short-term financial hardships. It is extremely important you stay in contact with your lender within the first month after missing a payment.

After 30 days, the borrower is in default, and the foreclosure processes begin to accelerate. If you do not call the bank and ignore the calls of your lender, then the foreclosure process will begin much earlier. At any time during the process, talk to your lender or a housing counselor about the different alternatives and solutions that may exist.

Three types of foreclosures may be initiated at this time: judicial, power of sale, and strict foreclosure. All types of foreclosure require public notices to be issued and all parties to be notified regarding the proceedings. Once properties are sold through an auction, families have a small amount of time to find a new place to live and move out before the sheriff issues an eviction.

Judicial Foreclosure. All states allow this type of foreclosure, and some require it. The lender files suit with the judicial system, and the borrower will receive a note in the mail demanding payment. The borrower then has only 30 days to respond with a payment in order to avoid foreclosure. If a payment is not made after a certain time period, the mortgaged property then is sold through an auction to the highest bidder, carried out by a local court or sheriff's office.

Power of Sale. This type of foreclosure, also known as statutory foreclosure, is allowed by many states if the mortgage includes a power of sale clause. After a homeowner has defaulted on mortgage payments, the lender sends out notices demanding payments. Once an established waiting period has passed, the mortgage company rather than local courts or sheriff's office carries out a public auction. Non-judicial foreclosure auctions are often more expedient, though they may be subject to judicial review to ensure the legality of the proceedings.

Strict Foreclosure. A small number of states allow this type of foreclosure. In strict foreclosure proceedings, the lender files a lawsuit on homeowner that has defaulted. If the borrower cannot pay the mortgage within a specific timeline ordered by the court, the property goes directly back to the mortgage holder. Generally, strict foreclosures take place only when the debt amount is greater than the value of the property.

Content current as of 30 September 2008

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	U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Kitsap County Foreclosure Update

Tue, 22 Sep 2009 23:52:13 -0500

This is an update for Kitsap County, Washington bank owned Foreclosures.

Active Listings as of September 22nd 2009 are 94. These homes can be a great deal and with the tax credit ending soon you can't afford to not visit www.FreeNorthWestREO and get free exclusive Western Washington foreclosure listings.

See you there!

Foreclosure update Sept. 22nd 2009

Tue, 22 Sep 2009 23:41:21 -0500

Just a quick update for the foreclosure count today in Mason County, Washington sits at 37 active listings.

You can view these listing and other for 5 counties at www.FreeNorthWestREO.com .

Hope you can stop by and view the latest foreclosure information exclusive to Western Washington.

Short Sale Stats for Kitsap Peninsula and Surrounding areas

Wed, 09 Sep 2009 23:03:14 -0500

I am announcing this as the first of many stats to come, on Short Sales and Foreclosures for the Peninsula and Surrounding area's.

Short Sale Listings as of today:

Mason County 40

Gig Harbor and Surrounding area's 70

Kitsap County 148

If you or someone you know needs more information on buying or selling short sales, call me today to discuss your options for this unique sales transaction.

Visit my website for a list of homes that are a great value.

www.FreeNorthWestREO.com

A short sale in real estate occurs when the outstanding obligations (loans) against a property are greater than what the property can be sold for. Short sales are a way for homeowners to avoid foreclosure on their homes and still be able to pay off their loan by settling with lender.

What is a HUD home and Who can buy one?

Mon, 09 Mar 2009 15:27:59 -0500

A HUD home is a 1 to 4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage. HUD becomes the property owner and offers it for sale to recover the loss on the foreclosure claim.

Who can buy a HUD Home?
Almost anyone! If you have the cash or can qualify for a loan (subject to certain restrictions) you may buy a HUD Home. HUD Homes are initially offered to owner-occupant purchasers (people who are buying the home as their primary residence). Following the priority period for owner occupants, unsold properties are available to all buyers, including investors.

If you are an evacuee displaced by Hurricane Katrina, Rita or Wilma, HUD could sell a HUD home at a discount to you!

How are HUD Homes sold?
All properties available for purchase by the public are offered for sale at Internet listing sites maintained by management companies under contract to HUD. Any real estate broker registered with HUD may submit an offer and contract to purchase on your behalf. HUD pays the real estate broker's commission, if included in the contract.

Are there any special programs?
Properties in designated areas are available at a reduced sales price to law enforcement officers, teachers, firefighters, emergency medical technicians, nonprofits and local governments. Read more about these Good Neighbor Initiatives.

Should I get a home inspection?
We encourage you to get an inspection after your offer is accepted. All HUD Homes are sold AS-IS, without warranty. HUD will not make repairs nor pay to correct any problems.

What about financing?
Although HUD does not offer financing directly, some of our homes qualify for FHA-insured loans. Shop around for a lender to find the best loan terms. Find out how an FHA loan can help you.

Seattle Foreclosure List

Mon, 09 Mar 2009 11:18:29 -0500

I want to invite all residence of King county to view our great new website that is exclusive to Western Washington. Please Visit www.FreeNorthWestREO.com to view Free Foreclosure lists for Western Washington. Counties included are King,Kitsap,Mason,Pierce and Snohomish.

Free Foreclosure Website for Western Washington

Fri, 06 Mar 2009 21:30:17 -0600

Dinah Griffey and I have put together a great user friendly REO website. It is free to use and search for any Foreclosure in your area. We have also included a list of Government Owned Homes ( HUD ). We are registered agents to sell and show HUD homes. Call us today if you are interested in any of the information found on our Web Site at www.FreeNorthWestREO.com

Hopeless Homeowner

Mon, 23 Feb 2009 00:43:31 -0600

This weekend my business partner Dinah Griffey and I went to a listing appointment for yet another short-sale. The woman had gone to Iraq and came home to find out that her significant other did not pay the bills while she was gone. Well they are now in Pre-Foreclosure and I am not completely sure how far lost they are but she was just so lost.

They really did not know what to do or who to contact. I think that she saw us as a blessing and just used our expertise in Short-Sales to sooth her weary soul. It is too bad that they didn't call someone months ago because now the clock is really ticking. But we priced it to sell and 2 days later we already have a showing. I called to tell them and they were literally in shock and thanked us for a miracle. I can't promise it will sell tomorrow but I think that we contracted with them just in time.

Wish us luck!

I want a Badge!!! How do I get one?

Mon, 23 Feb 2009 00:37:22 -0600

OK, so I see that everyone of my close collegues have this Rain Maker badge. Please tell me how I can get one, it hardley seems fair that they have it and I do not!! :-) Just kidding but I would like to know and their blog comments also appear different than my own.

Documents you need to process a Short Sale

Mon, 23 Feb 2009 00:12:44 -0600

The documentation you'll need to accomplish a short sale. Non-foreclosure alternatives.

While many lenders will have varying requirements and may demand that a borrower submit different types of documentation, the following should be treated as a guideline of what is required in a pursuing a short sale.

Contact your lender immediately

You need to make the effort to find the right person responsible for handling a potential short sale. You want to talk to person in charge of loss mitigation for the lender, you want a supervisor's name, the name of the individual capable of making these kinds of decisions.

Submit a letter of authorization

Your lenders will not want to disclose any of your personal information without written authorization to do so. If you are working with a real estate agent, closing agent, title company or lawyer, you will receive better cooperation if you write a letter to the lender giving the lender permission to talk with those specific interested parties about your loan. You should include the following information: name, address, loan number, third party agents involved and contact information on both the agents and yourself.

Preliminary estimate of your lenders proceeds

A preliminary HUD-1 settlement statement that indicates the sales price you are under contract for and all the costs of sale, unpaid loan balances, outstanding payments due and late fees, including real estate commissions, if any. Your third party agent (realtor, title company or lawyer) should be able to prepare this for you. The bottom line should not indicate any net proceed to the seller.

Your circumstances, in the form of a hardship letter

A complete description of the facts that brought you to financially challenging situation and why you have a valid reason for the lender to accept less than full payment. Lenders can understand many circumstances are unavoidable, loss of job, death, divorce, etc., but they are not very compassionate to situations involving dishonesty, misrepresentation or criminal (or criminally negligent) behavior.

A complete financial statement

Be truthful about your current financial situation and disclose your assets and liabilities. Provide information on savings accounts, money market accounts, stocks or bonds, cash, real estate or anything of tangible value. Your lender will need to be assured that you cannot pay back any shortfall in the short sale transaction.

Proof of valuation

Many homeowners caught by the current downturn of the real estate market have lost significant equity in their home. This should be part and parcel as to why you cannot sell your home for enough to pay off the existing lien. You need to substantiate this value to the lender through a proof of valuation. In declining value to the lender you could present a fully completed appraisal, a comparative market analysis (CMA) or a broker's opinion of value.

Your purchase agreement and listing agreement

The lender should want a copy of the executed offer, along with a copy of your listing agreement. Be prepared for the lender to renegotiate commissions and to refuse to allow payment of certain items such as home protection plans or seller concessions inspections.

If your package is complete, the facts are accurate and the circumstances speak for themselves, the lender will approve your short sale. Within the ongoing communications and negotiations, you should ask that the lender not report any adverse credit references to the credit reporting agencies, although they would be under no obligation to accommodate this request.

Visit us at www.TheNortWestLife.com for more information

How can a Short Sale Benefit The HomeOwner

Mon, 23 Feb 2009 00:09:50 -0600

Benefits, immediate action for the homeowner.

As a homeowner you should accomplish the following from the onset:

Assess the value of your home. Get an estimate from your selling agent. If you're selling your home yourself, do a thorough analysis of your neighborhood and surrounding area. Don't us last year's prices for today's sale.

Determine all the liens on your property. This would include first, second mortgages, delinquent taxes, special assessments or mechanics liens; anything that will have to be removed from title in a closing.

Understand the costs of selling your home. Your agent should provide you with an estimate of closing costs. You can use a third party (title company, fsbo service or attorney) if you are selling your home on your own.

Finalize your figures. Add up the total amount of liens, obligations and costs against the your home. In sum against the proceeds of a sale, you should end up with a negative number, hence a short sale.

Speak with your lender, regularly. Speak to customer service to locate the loss mitigation department. Make professional contact and give a brief summary of your situation. Talk to the supervisor or manager of the loss mitigation department; this person will have more accurate information.

Understand what your lender wants and their procedures for a short sale. Many lenders may have alternatives and may be willing to work with you by modifying your loan or pursuing other alternatives. It's extremely important to find out what their position up front in order to increase the likelihood that the short sale will occur.

Don't delay. In a foreclosure, the clock is ticking. Know your timelines and stick to them. Communicate any delays to your lender and all parties involved.

Visit www.TheNorthwestLife.com for more information

Short Sale in Port Orchard, WA

Sun, 22 Feb 2009 23:55:41 -0600

Michelle Roethle and Dinah Griffey | Windermere Peninsula Properties | michelleroethle@windermere.com | 360-649-1195 or 360-551-8888

3841 SE Horstman Rd, Port Orchard, WA

Remodled Port Orchard Rambler

3BR/2BA Single Family House

offered at $205,000

Year Built	1957
Sq Footage	1,560
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	1
Parking	2 Car garage
Lot Size	25,264 sqft
HOA/Maint	$0 per month

DESCRIPTION

Fully remodeled home with tile and original hard wood floors. The home is open and inviting with a wood stove and over sized bedrooms and large 1/2 acre + lot. Enjoy a peekaboo view of the sound in the winter months and two sets of french doors leading onto decks. This short sale is one to see. You will be impressed.After viewing take a walk by the sound while watching the ferries dock or do some shopping on Historic Baystreet.

see additional photos below

PROPERTY FEATURES

Central heat	Fireplace	Hardwood floor
Living room	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Laundry area - garage	Balcony, Deck, or Patio	Yard

ADDITIONAL PHOTOS

Contact info:

Michelle Roethle and Dinah Griffey

Windermere Peninsula Properties

michelleroethle@windermere.com

360-649-1195 or 360-551-8888

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 21, 2009, 9:46pm PST

Water View home at Hartstene Pointe, Harstine Island

Sun, 22 Feb 2009 23:53:53 -0600

Michelle Roethle and Dinah Griffey | Windermere Peninsula Properties | michelleroethle@windermere.com | 360-649-1195 or 360-551-8888

797 E Chesapeake Dr, Shelton, WA

Waterview Home at Hartstene Pointe

2BR/3BA Single Family House

offered at $399,900

Year Built	1990
Sq Footage	3,152
Bedrooms	2
Bathrooms	3 full, 0 partial
Floors	3
Parking	2 Covered spaces
Lot Size	Unspecified
HOA/Maint	$0 per month

DESCRIPTION

Creature comforts & fantastic views of Mt. Rainier & the sound from most rooms.Nestled in the trees @ Hartstene Pointe offering community pool,tennis courts,marina,miles of trails,fitness center and private club house in a gated community.Inside the multilevel home you will enjoy the heat pump as well as two wood stoves,hardwood floors leading to decks offering unforgettable views,and separate entrances that lend well to accommodating house guests.Call today for a personal tour!

see additional photos below

PROPERTY FEATURES

Central A/C	Central heat	Fireplace
High/Vaulted ceiling	Hardwood floor	Living room
Bonus/Rec room	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Basement	Washer	Dryer
Laundry area - inside	Balcony, Deck, or Patio	Yard

COMMUNITY FEATURES

Clubhouse	Fitness center	Swimming pool(s)
Sauna/Spa	Tennis court(s)	Playground
Gated property	Secured entry

ADDITIONAL PHOTOS

Contact info:

Michelle Roethle and Dinah Griffey

Windermere Peninsula Properties

michelleroethle@windermere.com

360-649-1195 or 360-551-8888

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 21, 2009, 9:36pm PST

121 E Rainier Ct Allyn,WA

Sun, 22 Feb 2009 23:47:15 -0600

Michelle Roethle and Dinah Griffey | Windermere Peninsula Properties | michelleroethle@windermere.com | 360-649-1195 or 360-551-8888

120 E Rainier Ct, Allyn, WA

Beautiful home in LakeLand Village

3BR/2.5BA Single Family House

offered at $299,000

Year Built	2004
Sq Footage	1,711
Bedrooms	3
Bathrooms	2 full, 1 partial
Floors	Unspecified
Parking	2 Car garage
Lot Size	Unspecified
HOA/Maint	$0 per month

DESCRIPTION

Great golf course living from a quiet cul-de-sac! This like new custom home sits on the tee box of hole #5, Generation II in LakeLand Village. 3 BD, 2.5 BA, 2 car garage and a open floor plan makes this a very comfortable and user-friendly home. The master suite offers views of the golf course and the 2nd bedroom offers Case Inlet. The large, open kitchen has a wall of windows with views out to the back deck and on to the golf course..VERY NICE!

see additional photos below

ADDITIONAL PHOTOS

Contact info:

Michelle Roethle and Dinah Griffey

Windermere Peninsula Properties

michelleroethle@windermere.com

360-649-1195 or 360-551-8888

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 22, 2009, 10:13am PST

LakeLand Village Condo for Sale

Sun, 22 Feb 2009 23:45:39 -0600

Michelle Roethle and Dinah Griffey | Windermere Peninsula Properties | 360-649-1195 or 360-551-8888

321 E Soderberg Rd #14, Belfair, WA

LakeLand Village Condo

2BR/2BA Condo

offered at $322,500

Year Built	2000
Sq Footage	1,714
Bedrooms	2
Bathrooms	2 full, 0 partial
Floors	1
Parking	2
Lot Size	Unspecified
HOA/Maint	$0 per month

DESCRIPTION

Peaceful golf course condo that sits on Hole #1 in LakeLand Village. Two bed+office, Two bath, granite counters, custom cabinets, oak flooring, and nice views. The community offers a clubhouse, private beach, stocked trout lake and a 27 hole golf course. There is so much more that is offered and the unit is also a end unit for even better privacy.

see additional photos below

ADDITIONAL PHOTOS

Contact info:

Michelle Roethle and Dinah Griffey

Windermere Peninsula Properties

360-649-1195 or 360-551-8888

For sale by agent/broker

Equal Opportunity Housing

Posted: Feb 22, 2009, 10:19am PST

A day at the park in LakeLand Village

Sun, 22 Feb 2009 23:43:46 -0600

These are photo's of my youngest two children and I enjoy the park that is located across the street from Lake Anderson. LakeLand Village community offers so much more than just a Golf Course. I love to put my kids in the double jogger and run to the park. Lucky for me it's not too far because the 4 almost 5 year old is a load!

Museum of Glass, Tacoma Washington

Sun, 01 Feb 2009 09:02:03 -0600

I was in Tacoma the other day and drove by this strange building. As I past by it read Museum of Glass. Oh I get it now. I visited their website and here is what they had to say.

The Museum of Glass is a hot destination. Come experience our exhibitions with work by world-renowned contemporary artists and be enthralled by artists in the Hot Shop making artwork from molten glass right before your eyes.

Hours & Admissions

General admission is $10, and hours vary between winter and summer. Current hours are: Open Wednesday through Saturday 10am to 5pm, Third Thursdays 10am to 8pm, Sunday 12pm to 5pm.
Find out about admissions discounts and summer/winter hours »

Visit them at www.museumofglass.com

Hood Canal Shouth Shore

Sun, 01 Feb 2009 08:56:26 -0600

I didn't always used to take picture's everywhere I went, but lately the sites in my local area are one's that I don't ever want to forget and sharing them with everyone make me happy.

This photo was taken in Belfair near Twanoh Falls neighborhood. The shores of Hood Canal offer more than just recreation, but beautiful homes for full time living or vacation.

I would love to show you around town today. Visit my website at www.TheNorthWestLife.comand find out more about Kitsap and Olympic Peninsula.

Mt.Rainier in Washington

Thu, 29 Jan 2009 08:41:48 -0600

I was out and about the other day. I was in the Gig Harbor, Wa area and I came up the hill and saw the beautiful site of Mt. Rainier. On a clear day it is as though you could reach out and touch it. I think that if I had the option for views I might even take the mountain over the water. But that the great thing, you could have both if you lived in the area of the Pacific Northwest.

It's Been Sunny All Weekend, My Garden is Calling to Me

Sun, 25 Jan 2009 09:32:29 -0600

When the weather gets like it is currently, Sunny but just to cold, I can't help but start to plan my garden for the year. This year I am especially eager since my new home has lots of neat garden spaces,red rock paths and a large covered deck. My mind is spinning with all of the ideas. There is even a bridge with an arbor that goes accross a drainage area.

Well lately I have seen primroses start to come out and I think that I must plant something. does anyone know if 28 degrees is too cold to plant them. The store is selling them so it must be OK right?

Timberlakes in Shelton

Thu, 22 Jan 2009 16:42:39 -0600

Tiberlakes is a great lake community located just outside of Shelton City limits. Private saltwater beach access and use of the two lakes are available when you own propery in this community. Timberlakes also offers two parks for people to enjoy. Many properties and homes are availble. Resale and new construction and lakefront lots. Call Dinah and Michelle today or visit us at www.TheNorthWestLife.com 360-649-1195

You can also visit www.timberlakecc.com for more info on the community

Gig Harbor Washington

Thu, 22 Jan 2009 16:25:08 -0600

There are a number of attractions for locals and tourists alike to enjoy in Gig Harbor.

As the first destination on the Kitsap Peninsula after crossing the Narrows Bridge, this quaint Maritime Village is a favorite destination for people all over the world. This is a city that has preserved its history but also has many events that make this a vibrant community with incredible scenery, galleries, upscale shops, restaurants, beautiful gardens and many recreational activities.

A popular restaurant in Gig Harbor is The Tides Tavern. Located at the South end of downtown on Harborview Drive, this tavern has been around for decades. It stands on pilings built over the waters of Gig Harbor Bay and provides outdoor, as well as indoor seating for patrons. Enjoying a meal on the waterside deck is a great opportunity to watch boats enter and leave the harbor. On summer days, there is a non-stop parade of boats passing in front of the deck. The Tides Tavern also has its own private (but for public use) dock so that patrons may arrive by boat. In the summer, many boats will spend their entire day tied alongside the dock while their owners socialize with other boaters and bar patrons.

Immediately adjacent to the Tides Tavern is the Russell Foundation Building; one of Gig Harbor's most aesthetically pleasing projects in recent years. The building is built mostly below street level, so from the street you can walk directly onto its garden like public roof space which provides views of the harbor and educates visitors about Gig Harbor's history.

A couple blocks north on Harborview Drive is Jerisich Park. This park, combined with the adjacent Skansie Brothers Park, is a large, open, waterfront space with grass, decks, benches, and a covered Pavilion for community events. It is also home to the Fisherman Memorial, one of Gig Harbor's popular landmarks. This large bronze statue, which depicts a fisherman hauling in his catch, was commissioned in memory of Gig Harbor's fishermen, with special gratitude to those who lost their lives at sea. The parks often play host to fairs and events ranging from the annual Holiday tree lighting ceremony and Blessing of the Fleet, to musical concerts and art festivals. There is also a public use moorage dock where boaters can stay, free of charge, for a limited time.

At the mouth of the harbor a short sand spit is open to the public and is the site of a red navigational hazard light built into a miniature lighthouse model constructed to resemble the quaint lighthouses of yore. The beach is public, but access is difficult and parking is limited.

Gig Harbor City Park (aka Crescent Creek Park) offers a variety of activities, and is especially geared toward larger groups and families. A children's play area features modern equipment to climb and play on, as well as swings for infants. The park also offers a baseball diamond in the upper area of the park, a basketball court and tennis courts. GH City Park is adjacent to a stream as well and has teaching plaques on stream conservation. A field in the lower part of the park offers picnic benches and recreational area for informal games and sports. There is a large wooden picnic shelter with fresh water and wood stoves. The park is popular in the summer for family reunions, picnics, and group gatherings.

The City of Gig Harbor has numerous hotels and inns as well as bed and breakfasts. There are two moderate sized hotels in Gig Harbor. The INN at Gig Harbor, features 64 rooms, a full service restaurant, and over 4,000 square feet (400 m²) of meeting space. The Best Western Wesley Inn offers just over 70 rooms, with over 4,000 square feet (400 m²) of meeting space. The Maritime Inn is located on Harborview Drive in downtown Gig Harbor and The Waterfront Inn is also on Gig Harbor Bay.

Northwest Foreclosure Site

Thu, 22 Jan 2009 16:09:22 -0600

I wanted to share again with our community that Dinah and Michelle with Windermere Peninsula Properties are your one stop resource for Bank Owned homes,REO's and Short-Sales in Belfair,Allyn,Shelton,Bremerton,Port Orchard and Gig Harbor. Check out our user friendly website at www.TheNorthWestLife.com and get your FREE foreclosure information today. Dinah and Michelle are a full service Real Estate Team and we look forward to serving your real estate needs!

360-649-1195 or 360-551-8888

OMG! Why is my power bill so high!

Thu, 22 Jan 2009 09:29:50 -0600

In December I moved into a new house and I expected that because it has a heat pump and is well insulated that I would really see a difference in my power bills ( I was excited to be honest). The home that we moved from had baseboard heating and it was built in the 70's. Anyhow the darn bill was $258.00 and I thought to myself how is that since the highest bill at the other house was $168.00.

I suppose my question is does it take more energy to run a heatpump,forced air heating 24/7 than the baseboards.

Any tips would be great the budget is not set up for bills that high! :-)

NorthWest Foreclosure Blog

What is the Foreclosure Process? From HUD.

Kitsap County Foreclosure Update

Foreclosure update Sept. 22nd 2009

Short Sale Stats for Kitsap Peninsula and Surrounding areas

What is a HUD home and Who can buy one?

Seattle Foreclosure List

Free Foreclosure Website for Western Washington

Hopeless Homeowner

I want a Badge!!! How do I get one?

Documents you need to process a Short Sale

How can a Short Sale Benefit The HomeOwner

Top 10 Short Sale Questions

Short Sale in Port Orchard, WA

Water View home at Hartstene Pointe, Harstine Island

121 E Rainier Ct Allyn,WA

LakeLand Village Condo for Sale

A day at the park in LakeLand Village

Museum of Glass, Tacoma Washington

Hood Canal Shouth Shore

Mt.Rainier in Washington

It's Been Sunny All Weekend, My Garden is Calling to Me

Timberlakes in Shelton

Gig Harbor Washington

Northwest Foreclosure Site

OMG! Why is my power bill so high!