All posts by Carl Setzer

About Carl Setzer

I’m the website, social media, and office manager for C&K Real Estate. My career has centered on business management, and I have extensive experience at many regional companies, including Microsoft and Starbucks. I’m proud to be part of this dedicated team of professionals.

More about me here on my homepage: http://www.carlsetzer.com

Price Just Reduced: 8805 13th St NE, Lake Stevens

Lake Stevens HUD Awaits Your Vision. Spacious main floor connects the kitchen & living room together. New stove & fridge are a fresh bonus. Living room gets great natural light flooding through double pane vinyl windows. Head upstairs to your 3 bedrooms. Quaint low maintenance fenced backyard allows for great privacy. Outbuilding will be great for working on hobbies & still have room for storage. Excellent location gives you great shopping, eating, & quick access to freeway. Sold As Is. FHA Case 561-767608.

Front view of 405 Cascade Ave, Granite Falls

New on the market: 405 Cascade Avenue, Granite Falls

Amazing character to be had as you walk up to your home. Inside you will marvel at the high vaulted ceilings in living space. Kitchen has plenty of counter & cabinet space dawning eat up bar. Laminate faux wood flooring through kitchen, living space, and hallway. Carpets in spacious bedrooms. Master bedroom has private full bath & sliding glass door to back yard. Shed out back is perfect to store your lawn equipment and tools. FHA 561-912951

Presented By:

CK Real Estate Team, Keller Williams, NWRE,LLC

Keller Williams
360-474-5128
Licensed In: WA
License #: 24454

  • Link on Facebook
  • Link on Twiiter
  • Connect on YouTube
  • Connect on Google+
  • Connect on LinkedIn

Schedule a Showing/Request Info

Front view of 1340 Pilchuck Dr, Camano Island

New on the Market: 1340 Pilchuck Drive, Camano Island

Enjoy working on your hobbies in the large shop. Vaulted ceilings give an amazing airy feel in main living area. Kitchen has plenty of room to prep your favorite meals. Spacious master has its own private bath, vaulted ceiling, and walk in closet. Front deck is partially covered & great spot to entertain. Back yard has tons of room to have fun along with a large shed to store items. Come take a look at this 3 bed 2 bath home. Sold As Is.

Presented By:

CK Real Estate Team, Keller Williams, NWRE,LLC

Keller Williams
360-474-5128
Licensed In: WA
License #: 24454

  • Link on Facebook
  • Link on Twiiter
  • Connect on YouTube
  • Connect on Google+
  • Connect on LinkedIn

Schedule a Showing/Request Info

Front view of 1340 Pilchuck Dr, Camano Island

Enjoy working on your hobbies in the large shop. Vaulted ceilings give an amazing airy feel in main living area. Kitchen has plenty of room to prep your favorite meals. Spacious master has its own private bath, vaulted ceiling, and walk in closet. Front deck is partially covered & great spot to entertain. Back yard has tons of room to have fun along with a large shed to store items. Come take a look at this 3 bed 2 bath home. Sold As Is.

Presented By:

CK Real Estate Team, Keller Williams, NWRE,LLC

Keller Williams
360-474-5128
Licensed In: WA
License #: 24454

  • Link on Facebook
  • Link on Twiiter
  • Connect on YouTube
  • Connect on Google+
  • Connect on LinkedIn

Schedule a Showing/Request Info

The Historic Everett Theatre has fun things lined up for the rest of 2016

 

THE HISTORIC EVERETT THEATRE (HET)
2911 Colby Avenue, Everett, WA  98201
Entertaining Everett Since 1901
http://historiceveretttheatre.com/Hetmanager@gmail.com
(425) 258-6766 – Box Office Hours
Tuesday through Saturday 11:30 am to 4:30 pm  –  SundayMonday Closed
Theatre produced events, box office will remain open until showtime.
Visit our Website or Box Office for more event information and to purchase tickets.

Upcoming 2016 Events and Concerts
TO PURCHASE TICKETS CLICK ON EVENT PHOTO

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New Years Eve Concert December 31 8:00 PM
This years charity will be “The National Transplant Center”.
Get Your Tickets Here.  or click below…
Special prices for under 18 available  Singles $45  Couples $75

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The Fed raised rates. What does that mean for you?

One of our lender partner put together this great assessment of the Fed’s interest rate raise and how that will impact homeowners.


The Fed just announced an interest rate increase of 0.25%. If you’re concerned about how that may affect you, please read on.

 

First, let’s give a little background on the Fed.

 

The Federal Reserve Board (the Fed) controls rates on overnight loans from bank to bank or from the Fed to member banks. The Fed adjusts rate policies to maximize employment and stabilize consumer prices. In this case, the Fed has seen some economic improvement. By raising rates, they are attempting to keep the pace of growth and inflation under control.

 

Two important things to remember:


– The Fed can influence, but does not directly set, most consumer rates.
– The Fed’s rates are short term and don’t always impact longer term rates, such as fixed-rate mortgage loans.

 

Here’s how the change may affect homeowners and home buyers:

  • Interest charged on HELOCs (home equity lines of credit) will likely rise. If you have one, you may want to prepare for an increase in your monthly payment. In most instances, this increase will be small. If concerned, you may consider consolidating equity financing with a new, single, fixed-rate loan.
  • Mortgage rates rose back in November after the elections, so this Fed move is largely factored in. In reality, fixed mortgage rates respond more to the economy and inflation than Fed actions, and investors anticipated this change.

 

As is always the case, we can’t say for certain what will happen next. Mortgage rates are always a function of investor sentiment and evolving economic indicators. Though the Fed indicated further rate increases are likely in 2017, changes remain speculative and will be based on the state of the economy and inflation at the time.

 

It’s important to remember that even if mortgage rates rise further, they are still low by historical standards. If you’ve been making plans, in all likelihood, they’re still viable.

 

The Fed Raised Rates Last Week: Some Insights From A Lender

One of our lender partners sent us this message. It’s great, and important, information and I wanted to share it with you ASAP.


The Fed Raises Rate – Here’s What Your Clients Need To Know
 

It’s official! The Federal Reserve Board announced a small .25% increase in interest rates. It’s been a while since a rate hike has made national news in the housing industry.
Here are answers to some of the most common questions we get from homeowners:
Q. Since the Fed raised rates, do homeowners need to take immediate action on my mortgage rate?
A. No, a modest increase is no reason to panic or make a rushed decision. But it is a good reason to plan ahead. Especially since the Fed is predicting more interest rate hikes in the coming year in response to the country’s improving economy and strengthening labor market.
Q. Does a Fed rate hike automatically mean mortgage interest rates will rise?
A. No, there is not a direct correlation. It’s impossible to predict exactly how mortgage rates will react to changes at the Fed since the impact of Fed rate hikes on mortgages is driven in part by the type and terms of each home loan. A licensed home loan expert can provide guidance and offer advice based on how rates have reacted in the past and are projected to react in the future.
Q. How do 30-year fixed-rate mortgages usually react to Fed increases?
A. The best gauge to anticipate how long-term fixed-rate mortgages will react is the U.S. Treasury note activity. Long-term fixed interest rates typically follow the same trend. Since the November election, we have seen both of these rates creep up. If the Fed continues to raise rates in the coming year, it is likely mortgage rates will continue to increase over time.
Q. How will adjustable-rate mortgages react to the Fed increase?
A. Adjustable-rate mortgages are typically modified annually, and may be affected more significantly by continual Fed hikes. Because these mortgages are short-term in nature, now may be a good time to consider refinancing to stabilize a good rate.
Q. Does refinancing a home loan make sense for all homeowners following a rate hike?
A. Any refinancing decision is best decided on a case by case basis. Simply put, if a homeowner can save a significant amount by refinancing to get a better rate, it may justify their time and energy.
The most important step clients can take to be prepared for changes in interest rates is to talk with a home loan expert.

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Home Builder’s Sentiment Jumps to Highest Level Since 2005

Home Builder’s Sentiment Jumps to Highest Level Since 2005:

Call it the Trump rally in homebuilding — not the stocks, but the sentiment of the builders themselves.

A monthly reading of homebuilder confidence spiked 7 points in December, its first measure done after the presidential election.

The National Association of Home Builders/Wells Fargo Housing Market Index (HMI) rose to 70, the highest level since July 2005. Fifty is the line between positive and negative sentiment. The index has not jumped by this much in one month in 20 years. It stood at 60 one year ago.

This notable rise in builder sentiment is largely attributable to a post-election bounce, as builders are hopeful that President-elect Trump will follow through on his pledge to cut burdensome regulations that are harming small businesses and housing affordability,” said NAHB Chairman Ed Brady, a homebuilder and developer from Bloomington, Illinois.

“This is particularly important, given that a recent NAHB study shows that regulatory costs for homebuilding have increased 29 percent in the past five years,” added Brady, whose name has come up as a possible head of the Federal Housing Administration in the Trump administration.

Of the index’s three components, current sales conditions increased 7 points to 76, sales expectations in the next six months rose 9 points to 78 and buyer traffic rose 6 points to 53. This is the first-time buyer traffic has been in the positive since October 2005.