HAPPY 4TH OF JULY

In observance of July 4 the office will be closed on Friday, July 3, and Saturday, July 4.
Have a super fun 4th of July from The Muljat Group North Real Estate office!
If you are looking for info on fireworks read on….
Lots of events are happening in Whatcom County. Zuanich Park festivities begin at 10 am. Fireworks at sunset! For nearly two decades, the Bellingham/Whatcom Chamber of Commerce & Industry has partnered with Haggen Northwest Fresh and the Port of Bellingham to provide the community fireworks display.
The festival includes vendor and craft booths, live bands and old-time games for the kids. At 2pm, the beer garden opens!

The City of Blaine is also having their Old Fashioned 4th of July Celebration! With all day-long activities that include a pancake breakfast, a parade at noon, an arts and crafts street fair with over 80+ vendors and don’t forget the fireworks display over Semiahmoo Bay in the evening!
Looks like the hot weather will continue on this long weekend ~ please use extra precaution around fireworks. Also, slather on some extra sunscreen for the all day family events.
Happy 4th of July!!
After Hours Contact:
Muljat Group North Realtors®

Welcome, Jessica Bouwman, Realtor®

We’re so proud to welcome, Jessica Bouwman ~ Realtor®, to the Muljat Group North Real Estate office. Jessica, knows Whatcom County inside and out since she grew up in Lynden. Jessica and her husband, Kris, have 4 children.
She has strong ties to the community and has teamed up with her father,
Fred K. Polinder III
Welcome, Jessica!

Jessica’s Cell No. (360) 927-2511
email: Jessica@muljatgroupnorth.com

BEST LONG TERM INVESTMENT

Gallup polled over 1,000 adults and found that 31 percent of respondents considered real estate to be the best long-term investment, 25 percent of those surveyed said that stocks and mutual funds are the best long-term investment, followed by gold at 19 percent. This marks a big change from 2011-2012 when gold was the most appealing investment. While confidence in real estate declined during the global banking crisis and recession, real estate is now ranked as the top investment choice or tied for the top choice among all major gender, age and income groups. A recent generational trends study from the National Association of REALTORS® reported that 79 percent of all buyers surveyed considered buying a home a “good financial investment.”
Source: NWMLS NW REporter 05/15
All in all Real Estate is a top choice investment!
Start your real estate search with a Muljat Group North Realtor® today 360.354.4242

CALIBER HOME LOANS


Caliber Homes Loans, Inc., is now on site at The Muljat Group North Real Estate office, in downtown, Lynden.
Caliber Home Loans, Inc. is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale and correspondent lending, and a consumer-direct centralized operation specializing in a variety of loan programs for purchase and refinance such as conforming, jumbo, and government products. Caliber also offers innovative servicing solutions for both conforming and non-conforming loans. Caliber is led by a veteran senior management team that consists of mortgage banking professionals with a history of building successful national mortgage operations.

John Larabell will be on site & available to work with you on your home financing:

John Larabell, Mortgage Loan Originator
248-982-3598 or 360-398-5846
John.Larabell@caliberhomeloans.com
Caliber Home Loans / John Larabell

UPCOMING SUMMER 3ON3 BASKETBALL TOURNAMENT!

The 17th Annual Curt Maberry Memorial Classic registration forms are now available! This event is organized by The Muljat Group North real estate office. All entry fees from the 3on3 go directly to the Lynden Chamber of Commerce, in supporting community events. Activities and fun for the whole family! The 3on3 is held in conjunction with the Northwest Raspberry Festival.
Tournament Dates: July 17 & 18, 2015 | Deadline is: July 10
Register early for the best rates.
Please print, complete and return the attached registration form:
2015 | 3on3 Basketball Registration Form

BILL REINSMA ~ RETIREMENT ~



After 30 successful years selling real estate, Bill Reinsma, is retiring! The office celebrated alongside Bill and his wife, Karen. We will miss seeing Bill’s smile and his wonderful sense of humor at the office. Well wishes & blessings to you, Bill.

SPRING HOUSING MARKET!


Not only has Spring sprung but the housing market has returned and is in full bloom! Our office has seen multiple offers especially on well priced new listings. Because of the lack of inventory buyers need to spring into action with their offer. There is nothing more frustrating than falling in love with a home and then discovering you can’t afford to buy it. Almost all first-time buyers need a mortgage to finance their home to purchase. When you are armed with the knowledge of what you can afford it focuses your search and allows you to make a move. With the competitive market get a pre-approval letter. A pre-qualification letter states the amount a lender thinks you’ll be able to borrow based on your income and credit profile.
If you are a buyer come visit The Muljat Group North! We have 20+ licensed Realtors® available to assist you with your property search. Because we get immediate notice of all hot new listings we can immediately notify you of a new listing and set up a showing appointment. With the lack of inventory buyers need to act quickly.
If you are thinking of selling…now is the perfect time because of a shortage of inventory. Let a Muljat Group North Realtor® represent you whether it be buying or selling!

TOP PRODUCER


Daisy Valladares was presented with the Top Producer award! Congratulations on your success, Daisy! You are a valued Realtor® – Keep up the good work.
Daisy Valladares | 360.223.9418

UPCOMING HOMEBUYER SEMINAR

Upcoming seminar for all first-time homebuyers! Washington State Housing Finance Commission-sponsored homebuyer education seminars are one of the first steps in purchasing a home. It is a free, open & unbiased seminar and includes information about the Commission’s first mortgage programs, downpayment assistance, and other loan programs; and are accepted by all affordable housing loan programs. Washington State Housing Finance Commission is a publicly accountable, self-supporting team that works with lenders, investors, developers, nonprofit organizations and more to bring private investment dollars to benefit families & achieve goals throughout Washington.
Please RSVP in advance:

Homebuyer Education Class

WHEN A LENDER DENIES YOUR MORTGAGE APPLICATION


Interesting article on Mortgage Applications….
“You’re ready to make an offer on a house, and your mortgage is denied. But as your mother told you, there are plenty of fish in the sea.”
Some jumbo-mortgage lenders, often smaller banks or credit unions, will be more flexible about the three key factors to qualify – credit score, proof of income and the percentage a borrower needs to put toward a down payment.
Lenders who reject a borrower are required by federal law to issue a written “adverse action notice” or statement of credit denial giving a reason for the denial. This document is issued typically within 48 hours after the verbal notification.
The top denial reason reported by lenders across both purchases and refinances was applicant credit history, according to the federal data collected from lenders under mandates from the Home Mortgage Disclosure Act. Other top reasons include a high debt-to-income ratio, a reflection of the borrower’s income relative to monthly payment amounts, and borrowers with insufficient collateral, also know as reserves.
Anyone changing jobs and purchasing a new home should obtain a guaranteed compensation plan in writing from the new employer.
Borrowers should also keep in mind that a mortgage denial doesn’t turn up on their credit report.
Of course, it’s always better to have one’s credit history in line before applying for a mortgage. Read the complete finance article by: Anya Martin, The Wall Street Journal, right here:
When A Lender Denies Your Mortgage – The Wall Street Journal