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Blog: Resources

Inspection Day

Congratulations on having your offer accepted! We typically have a 10 day window after mutual acceptance to complete our due diligence on the inspection of your new home. It is an important time to think about a few items. 1. How is the neighborhood du... Read more

Septic Information

Protect your septic system from potential damage. Don’t plant anything but grass near your septic system—roots from shrubs and trees can cause damage— and don’t allow anyone to drive or operate heavy machinery over any part of the ... Read more

Septic Information

Unlike sewer connections within a city - the septic is fully upon the owner of the property to insure it is in proper working order. If you are curious about your septic system first check the history of inspections and pumping here:​ ​https://www.... Read more

Septic Information

There are two main parts to the basic septic system: the septic tank and the drainfield. Household wastewater first flows into the septic tank where it should stay for at least a day. In the tank, heavy solids in the wastewater settle to the bottom formin... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more


Kristine Stultz | 360-708-9967 | Contact Me
914 15th St - Anacortes, WA 98221
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