From a satisfied client . . . . .
Thank you very much ! It was a plesure working with you. You are the consummate real estate professional.
4 WAYS EVERY HOME BUYER CAN SAVE ON TITLE INSURANCE
When you find the home of your dreams, make an offer and apply for a mortgage, you might not give much thought to the cost of title insurance- but that can be a mistake.
A title policy defends buyers ( and lenders) from future property ownership claims, surprise liens and other potentially costly complications with property titles.
Home buyers usually purchase title insurance as part of closing costs and often take the first title insurer suggested by the seller. Unfortunately, many buyers get sticker shock when they realize how much title insurance is. The fees are generally about 1 percent of the loan amount. However buyers can cut the cost of a title insurance policy by hundreds of dollars if they are willing to ask questions and get independent guidance.
Here are four ways you can save money on title insurance :
SHOP AROUND FOR THE BEST DEAL
Title insurance involved a two part process. First, a search of a property's title history is conducted to look for errors or problems with the deed. Then, an insurance policy is underwritten to protect the buyer if any issues are discovered.
In several states,insurance providers are allowed to set their own prices. A good place to start comparison shopping is the website of the American Land Title Association which provides a search engine based on geography. Buyers need someone who has an independent thought and who is well-versed in real estate. The best person for that is often an attorney.
NEGOTIATE THE ADD-ON FEES
In states where insurance is highly regulated, title insurers don't have much wiggle room on their rates. However in nearly all cses, extra fees are part of the transaction when you buy a title insurance policy. These charges can be negotiable even when the insurance premiums are not.
ASK FOR THE 'SIMULTANEOUS ISSUE RATE"
Homebuyers purchase title insurane to protect themselves. At the same time, their mortgage company will likely require that a separate insurance policy be issued in the lender's name. It is typically for the borrower to pay for both.
Although the two insurance policies are independent of one other, borrowers can buy them together and save. Always be sure to ask for the discount.
ASK THE SELLER TO PAY FOR YOUR POLICY
When a local real estate market favors buyers over sellers, homebuyers may feel emboldened to ask sellers to pay for title insurance. That used to be a very unusual request, however, in a buyers market, seller's are motivated and may be more willing to negotiate.
However, buyers should not lose sight of the overal goal, which is to close the sale. There are many other concessions buyers can ask for in a deal- such as reduced purchase price or a home warranty - that save even more money than having the seller pay for title insurance.
10 HOME IMPROVEMENTS TO MAKE THIS WEEKEND
Want to transform the look and function of your home? It doesn't need to cost a fortune or even require much time. There are hundreds of home improvements you can make to update your home over a weekend.
ADD HALOGEN TRACK LIGHTING
Need more task lighting in the kitchen or bathroom? Track lighting is practical and easy to install on your own. Most track lighting systems work on household voltage so you can connect it directly to an existing junction box in your ceiling.
MINOR BATHROOM UPDATE
Does your bathroom show its age? Give your bathroon a breath of fresh air with a few easy renovations. A fresh coat of paint can go a long way. Replace cabinet hardware and replace old fixtures, update a mirror by adding a frame, add wallpaper to one wall as an accent.
IMPROVE KITCHEN STORAGE WITH ROLLOUTS
A rollout is an easy upgrade you can make to your kitchen storage and something you will appreciate every day. A rollout maximizes space in your cabinets by allowing you to quickly access items in the back of your cabinets.
FRESHEN UP YOUR HOME SECURITY
Your front door is your home's smile, so make sure it's looking its best. A fresh coat of bright paint can do wonders for cheering up a gloomy entry while new hardware can give your front door an easy facelift.
INSTALL A BACKSPLASH
A backsplash can make a big statement in your kitchen while protecting your walls and making cleanup a lot easier.
ADD A FLAGSTONE OUTDOOR PATIO
Wish you had more oudoor iving space? With flagstone you can build an outdoor patio in a weekend without mortar. Excavate the area to at least 6 inches for draining then add a base material like crushed limestone or gravel to keep the patio from shifting.
REPLACE YOUR KITCHEN FAUCET
A bautiful faucet can be the centerpiece of your kitchen. You spend a lot of time at your kitchen sink, so why not make it more enjoyable task with a gorgeous wall-mounted sink, a commercial style faucet.
CREATE A HIDDEN CHARGING STATION
Want to declutter your home? Turn a drawer into a simple but effective charging station. Outfit a drawer with a divided drawer organizer and power strip to serve as a charging dock and organizer.
UPGRADE YOUR LAUNDRY ROOM
Doing the laundry doesn't need to be an umpleasant chore if you have the right setup. If your laundry room is lacking storage and workspace, a quick trip to a home improvement store and a few hours is all you need to fix the problem. Purchase a stock countertop and caps then asemble do-it-yourself shelving to support it.
In case you did not know, I also do Property Management. But only in the Greater Kirkland area. If you are interested in knowing more about this service, please give me a call.
I am so very pleased to introduce the new members of my Team . . . .
Janessa and Sharon and Becky
AMERICAN FAMILY INSURANCE
1320 Market St Suite "B"
Kirkland, Wa 98033
HERE IS WHERE THE INVENTORY HAS DISAPPEARED . . . . . .
For East of Market St. Closed Sales 1/1/2017 thru
6//30/2017 Click here
For West of Market St. Closed Sales 1/1/2017 thru 6/31/2017 Click here
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|King County Property Taxes|
To check King County Taxes on your property or assessed value, please center your mouse over King County Taxes.
|Trick or treat in downtown Kirkland |
October 31st - 9 am to 3:30 pm Downtown Kirkland - Look for poster in participating stores !
Bring your ghosts and goblins to merchants for Halloween treats and fun. Look for the "Welcome Trick or Treaters" sign on participating storefront windows.
Times Vary - Woodmark Hotel October 7th and October 28th
Game Day Husky boat cruises are back ! Don't worry about fighting or finding parking. Instead relax and enjoy a scenic boat ride to and from the game aboard the luxurious "Champagne Lady", complete with no-host bar service onboard.
|Take me to the River live !|
October 21st 8 pm Kirkland Performance Center
A live performance experience based on the award-winning film and record, featuring Iconic Memphis and Mississippi Delta Musicians.
|Christo[her Kimball's milk street live|
October 18th 7:30 pm Kirkland Performance Center
Take a private tour inside the world of Milk Street with Christopher Kimball founder and host of Milk Street TV and Radio. Each and every audience member participates in a taste-test and selected attendees come up on stage for cooking competitions, quizzes and tastings.
|Studio East Mainstage Productions|
October 13th - 29th Times vary Studio East
Over 15,000 jewish children passed thrugh the Terezin concentration camp during ww!11, and only about a hundred were still alive when the Terezin was liberated.
|SRJO Basie Bash-New York 1937|
October 8th 2 pm Kirkland Performance Center
It's 1953. Famous Jazz impresario John Hammond has signed on as the Count Basie Orchestra's promoter, and brings the band to New York for a pivotal engagement at the Roseland Ballroom. music from the 1930's and 40's.
|Second friday art walk|
Otober 13th downtown Kirkland 5-8 pm
Join Kirkland's vibrant art experience with an evening of art, music, wine and coffee n downtown Kirkland. Visit more than 20 locations that showcase the creative talents of local artists.
|Pee Wee Monster Bash|
October 27th - 10 am to Noon - North Kirkland Community Center 425-587-3336
Dodge the weather and the mountains of candy this Halloween season and Kirkland's annual Pee Wee Monster Bash ! Activities are ongoing, carnival-style, throughout the morning.
|Kitrkland Zombie wine walk|
October 27th - this 21+ event will bring you on a wine adventure of local wineries at downtown Kirkland businesses. Start at the Heathman hotel and enjoy social wine tasting through numerous downtown stores to enjoy local wineries and breweries.
|Juanita Farmers Market|
Every Friday starting June 2nd thru September 29th 2017 from 3:00 to 7:00 PM Juanita Beach Park -
Friday Market offers delicious locally grown fruits, fresh produce and beautiful flowers. Special guests are featured in the community booth and there is live music all summer long. FREE
|Downtown Kirkland Farmers Market|
Every Wednesday starting June 7th - 2017 to September 27th 2017 from 2:00 to 7:00 PM Marina Park.
Vibrant, Lively and Luscious, the Kirkland Wednesday Market features locally produced fruits, vegetables, cheese, meats, jams, breads and pastries along with the arts and crafts.
|Life Open studio|
Drop in drawing, painting or sculping sessions. Open to the community; registration not required. $8 .00 fee. Sundays 1-4:00pm - 3rd floor - Kirkland Arts Center
Local Area cooking classes ( check websites for full schedules)
Sur La Table: Details:www.surlatable.com
Last Friday of each month 6:30 pm/Kirkland Arts Center- come share a meal and discuss current art issues, includes short presentation and creative exercise.