Michael's Northwet Gazette

Services for Real Estate Pros - PTF Financial Corp. - My Mortgage Company
An encouraging article in the Bellingham Herald notes that home prices for the Bellingham area have increased compared to one year ago. While many other areas of our country struggle with flat or declining property values, Bellingham had the fourth highest appreciation rate in a survery of 63 met...
One of the areas I specialize in is Sudden Valley. It is a homeowner's association located by south Lake Whatcom.Here is a more detailed description from their Web site. Sudden Valley's amenities include an 18-hole championship Golf Course, the 19th Hole Deli and Cafe, and various banquet and mee...
Interesting article on the Zillow Web site:Refinancing Your Home You have an Adjustable Rate Mortgage (ARM) which was doing fine enough that you bragged about it - but now interest rates seem to be on the upswing, with the Fed raising rates and everyone buzzing about it. Lying awake at night is i...
Well, I continue to be amazed at the deterioration of Hewlett Packard's products and technical support. I've been trying to get technical support for the Pavilion dv6000z notebook received earlier this week. Lot of nice features, but the software and hardware support are lacking. Calling HP suppo...
Here is a Web site with an interest only mortgage calculator. It also compares what a fully amortized loan payment would be, and the monthly cash flow savings. http://www.goodmortgage.com/Calc_Interest_only_payments.htm Interest only mortgages are appropriate for certain people. For ideal intere...
I just received my new HP Pavilion notebook computer this week, The anticipation of working on a more powerful notebook was soon diminished. My only choice for an operating system was the new Windows Vista. This is a cumbersome revision to the Windows XP Professional on my prior notebook computer...
If you are trying to get a ballpark figure for what a home might be worth, the following Web sites are a starting point:http://www.reply.com/r_real_estate/?adid=19695Just type in the address, along with city, state or zip code. A valuation pop-up with more options appears. You can view comparable...
Want to find out more information about a home, in Whatcom county, you are considering buying?The Whatcom County Assessor's Web site can retrieve the following:Parcel SummaryTax SummaryTax DetailAssessment HistoryAppeals Permits and SalesBuilding DetailsMap Listhttp://www.co.whatcom.wa.us/cgibin/...
Interesting article in the Seattle Times today, articulating how property values are staying afloat in Washington State while other areas of the country are sinking. I was talking with one of my clients in Florida yesterday, she was so glad to sell her rental home in Miami last year. Many people ...
With home values declining in many areas of the country, it may be an opportunity for renters to move into their own home. Here is a great site that has an on-line worksheet to assist in calculating the various factors of renting or owning your home.I hope you find it beneficial.http://www.smartm...

Michael Lozar

Mortgage Loan Officer - Bellingham
local_phone(360) 685-4205
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Welcome to the Great Northwet (rains a lot). My soapbox for the home loan business and lifestyles in Bellingham, Whatcom County, Skagit County and Washington state.

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