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Cleary, this is a spectacular place to live! Quality of life isn't just a tagline around here. We invite you to experience the beauty of this County and would love to have the opportunity to help you find a new home.

Weather you are looking for Bellingham Real Estate or Real Estate in Whatcom County including but not limited to Birch Bay Real Estate, Blaine Real Estate, Ferndale Real Estate, Lynden Real Estate and Nooksack Valley Real Estate you can start your search for available properties right here. 

No matter what your taste, lifestyle or budget is we provide you access to all currently listed properties including: Bellingham & Whatcom County waterfront homes - Bellingham & Whatcom County view homes - Bellingham & Whatcom County golf course homes - Bellingham & Whatcom County acreage properties - Bellingham & Whatcom County condos as well as single family, multi-family or recreational and vacation homes anywhere in Whatcom County.

Are you thinking of relocating to Bellingham or Whatcom County? We offer an abundance of useful links and information about Whatcom County communities, Bellingham neighborhoods, the incredible array of outdoor recreation in Bellingham, Whatcom County and the Pacific Northwest, our annual climate, spectacular water & mountain settings, education, employment opportunities, retirement, cost of living, arts, entertainment, events and much more. Request a FREE Relocation Package or spend time browsing our Community Resources. 

If you are curious about the Bellingham and Whatcom County Real Estate Market check out our monthly market trends. You can also track the latest mortgage interest rate trends and get ARM adjustment alerts via email. For local news and events in Bellingham and Whatcom County check out our Community News! 

Whether your are looking to purchase a home for the first time or wanting to move up to a larger home you want to invest wisely. Our residential home loan specialist at Wells Fargo can help you find mortgage solutions for Real Estate in Bellingham and Whatcom County that meet your current situation while complementing your long-term financial goals. To find the right loan for you and get pre-approved click here. 

Check out our VIP BUYER PROFILE to receive priority access on all hot new listings that match your home buying criteria and remember to inquire about our FREE Complementary Home Inspection & Home Warranty when you find the perfect home. 

If you are a first time homebuyer you can take advantage of our Buyer’s Help Desk and Navigate through the home-buying process or contact us directly. We are committed to offering our clients the highest standards of professional service. It would be our pleasure to guide you through the entire purchase process, help you with available financing options, answer all of your questions as they arise and, most important, ensure that you receive the most value for your money.

We look forward to helping you with all your home-shopping needs!

Tax Credit Extension - An Update October 27th, 2009 An updated on the Tax Credit Extension: I heard today that there are currently two version of extension being debated: One in the Senate, the other in the House of Representatives. Not quite sure, who represents what but one party wants to extend the Tax Credit until the end of March next year (First Time Homebuyers only), the other wants to extend it until June and open it up to all Homebuyers. Well, we still don’t know if it is going to happen at all, but at least it is still being debated. A Buying Opportunity Of A Lifetime February 26th, 2009 Housing issues have saturated the economy locally & nationally. Home prices have fallen to levels we have not seen in years, depending on individual markets. The most recent report from the National Association of Realtors indicates that home prices for the month of January fell by 14.8%. The good news however is that in contrast to fallen home prices the number of homes sold in December increased. Homebuyers from east to west have been buying distressed properties at the rate of 45% of total sales. Now is the time to buy! Whether you are a first time home buyer or a seasoned real estate investor, don’t miss out on a great opportunity. Almost half of the properties being sold today are either owned by banks or homes on which banks are accepting short sales, allowing them to be sold for less than what is owed. Interest rates are near all time lows and first time home buyers can take advantage of the temporary tax credit for purchases made in 2009. So, don’t sit on the fence and watch the great opportunity of homeownership pass you buy. Even if you believe that home prices will continue to decline, there is no guarantee that interest rates will remain at these low levels. Here is a final point to consider: Did you know that even if home prices were to decline another 10% but also during this time interest rates were to increase by 1.00%, your monthly P&I payment (principle & interest) would actually be higher? Talk to your lender and he will tell you that this is true. So, get in the game. To quote an old saying “If you snooze you loose!”. Benefits of Homeownership February 21st, 2009 Did you know that there are several benefits of being a homeowner? Check out the following points: TAX INCENTIVES FOR HOMEOWNERS The interest you pay on your mortgage is tax-deductible, up to $1 million. This deduction applies to any kind of home, including a second home under certain conditions. As a homeowner, you can deduct the local property taxes you pay each year, too. This applies to both your principal home and any others you may own. If you (or even the seller) paid points to the lender to secure your mortgage, you may be able to deduct those points on your taxes. If you purchase a home in 2009 (and have not owned a property in at least three years) you can take advantage of the new homebuyer tax credit. It does not require repayment if you hold on to your property for at least three years! That is an incentive of up to $8,000! Mortgage Insurance Premiums - Thanks to Congress, MI premiums can be deducted in most cases by home buyers for mortgages issued after 2006 and before 2010 (although Congress may extend this provision). This one has income limits, so ask your tax professional for help. New Standard Deduction - Prior to 2008, only taxpayers who itemized their deductions could deduct state and local property taxes. New legislation changes this for 2008 and 2009. Qualifying tax payers who don’t itemize but pay property tax, get up to a $500 extra deduction; married filing jointly get up to $1,000. There are some special incentives as well: Tax-Free Profits on Sale - When you sell your primary residence, you can make up to $250,000 in profit if you’re a single owner, twice that if you’re married, and not owe any capital gains taxes. Other Benefits - Ask your tax professional about Penalty-free IRA payouts for first-time buyers, home improvement deductions, energy credits, and even moving expense deductions. Stop Paying Rent & Own Your Own Home. Explore Your Options! February 20th, 2009 It is a dream we all have - to own our own home and stop paying rent. But you might fee trapped, you might fee like you are stuck in the renter’s rut with no way of rising up out of it and owning your own home. Well, the truth is, there are some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. Consider the following points: You CAN buy a home with much less down than you think You CAN ask the Seller to pay your closing costs You CAN buy a home even if you have problems with your credit rating You may be able to find a seller to hold a second mortgage for you (that is called “owner financing”) You CAN & SHOULD get pre-approved for a home loan. You might think that you don’t qualify, but you won’t know for sure if you don’t ask. There are so many different loan programs available for all types of borrowers - you own it to yourself to inquire about your eligibility. There is no cost or obligation to make the inquiry. If you don’t qualify right away, your loan consultant can help you to reach that goal by creating an action plan (things that you would have to bring in order to qualify for a home loan). You might be only a few steps away, so take the time to explore your options now! If you don’t know where to go and who to ask, just call or email us, we are glad to help. There are some other financial benefits of being a homeowner. Watch for our next blog! $8,000 Tax Credit Available to First Time Homebuyers February 19th, 2009 Great news for those wanting to purchase property this year! President Obama signed the $790 billion stimulus package, which includes an up to $8,000 tax credit available to first time home buyers (those who haven’t owned in at least three years) for the purchase of a principle residence on or after January 1, 2009 and before December 1, 2009. The other good news is that the tax credit does not require repayment. You just have to hold onto the property for at least three years! So, why not prepare yourself to jump on the boat and take advantage of this opportunity. It’s a great time to buy. Mortgage rates are exceptional low and with an almost 10 month housing supply there are lots of properties to choose from. Having said that, make sure your finances are in order. Remember, because of increased delinquencies and today’s tougher economy, lenders have tightened standards for both new purchases and refinances. And while mortgage financing is certainly available and affordable to everyone who qualifies, you’re going to need a solid credit score, you’ll need to be able to document your income, and, if you’re purchasing a new home without a special government program from the VA or USDA, you’re likely going to need a down payment as well - at least 3.5% for an FHA loan. And there’s no stimulus bill or bail-out plan that is going to change this. So, if you’re looking to purchase a new home in 2009, take the time to locate the following items: Your W-2s and tax returns for the last two years; Your last three months of bank statements; and Pay-stubs for the most recent 30 days. If you have not checked your credit in awhile you might want to do so now. A lot could have changed since the last time you checked it, good or bad, and you don’t want any surprises that might alter your plans. Your local lender can review your credit for you and let you know if there is anything that needs to be addressed. Timing the Real Estate Market August 8th, 2008 I just read an interesting article about trying to time the real estate market, especially in a time where everybody is talking about the subprime mortgage meltdown, the credit crunch, recession etc. Many of our buyers are inclined to wait buying their next (or first) home because prices could fall more and it might pay off to wait a year or so. Question is - is that really the case? Well, consider this: Let’s say you are emotionally and financially ready to buy a home, be it the first time or second or third and you plan to stay put for at least 5 years. You found your dream home for a list price of $300,000. You could put 20% down and would get a 30-year fixed-rate mortgage. With a current interest rate of 6.25% and a loan amount of $240,000 (80% loan to value on $300,000- purchase price) your monthly principal and interest payment would be $1,477.72 Let’s say that in 12 months from now the market actually does crash and the same house would sell for 10% less i.e. 270,000, but by then the low rates that we have now are gone. So, anything you gain by a further drop in prices might be offset by rising financing costs. If mortgage costs rise just one point, to 7.25% and you stayed at the same 80% loan to value ($270,000 x .80 = $216,000) your payment would be $1,473.51. You waited one year to buy, saved about $4.00 per month and spent a year living someplace you’d rather not be. So, trying to time the real estate market might not pay off. What do you think, does that make sense? Give us a call if you are emotionally and financially ready to buy a home. The Loan Master July 29th, 2008 Isn’t it nice that we are being taken care of? Haven’t you heard about the tax credit for new home purchases that is being “given” to us by our generous leaders? If you purchase a new home you are going to get a tax credit of up to $7,500-. This is great. A stimulus to our economy. A boost to our dropping home prices and sagging housing industry. Why didn’t they think of this sooner? What else could they do to help out the poor consumer suffering from higher costs and economic turmoil? How about interest free loans? Wait a minute! What about allowing us to not pay income taxes for a year to make it seem like we have more money to spend and them making us pay it back over a 15-year period. This would be a great short-term fix to stimulate the economy. If this was an interest free loan tied to a major purchase transaction, like a home, it would really help to heat up the economy. We all know that our economy is based on consumer spending. Heck, maybe the tax credit could be used to help people buy a new car, (great way to make money, purchasing a depreciating asset). What if we actually gave people more cash than they actually owed in taxes? We could tie it to the purchase to get them to spend even more money! This sounds great, doesn’t it? Guess what: Our highly paid professionals running the country have come up with a plan that will allow us to do all of this! H.R. 3221 - The housing and Economic Recovery Act of 2008. This will allow homebuyers to get into even more debt. An extra $500- per year in payments over the next 15-years for those who are lucky enough to take advantage of this program. Used conservatively this could actually help some buyers out. Most though will fall to the temptation of spending it and find themselves owing an extra $500- in income tax every year for the next 15 years. The Loan Master says,” Buyer Beware on this one”. Sincerely, The Loan Master.