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CITY

Select a City: No Preference Aberdeen Acme Adna Airway Heights Algona Allyn Almira Amanda Park Amboy Anacortes Anderson Island Ardenvoir Ariel Arlington Ashford Auburn Bainbridge Island Baring Battle Ground Bay Center Beaux Arts Beaver Belfair Bellevue Bellingham Benge Benton City Beverly Birch Bay Birdsview Black Diamond Blaine Blakely Island Blanchard Boistfort Bonney Lake Bothell Bow Bremerton Brewster Bridgeport Brier Brinnon Brush Prairie Buckley Bucoda Burbank Burien Burlington Camano Island Camas Carbonado Carlsborg Carlton Carnation Carson Cashmere Castle Rock Cathlamet Center Island Centralia Chehalis Chelan Cheney Chewelah Chimacum Chinook Cinebar Clallam Bay Cle Elum Clear Lake Clinton Clyde Hill College Place Colville Conconully Concrete Connell Conway Copalis Beach Copalis Crossing Cosmopolis Cougar Coulee City Coulee Dam Coupeville Covington Cowiche Crane Island Creston Curlew Curtis Cusick Custer Cypress Island Danville Darrington Davenport Decatur Island Deep River Deming Des Moines Doty Dryad Dryden Dupont Duvall East Olympia East Wenatchee Easton Eatonville Edgewood Edmonds Elbe Electric City Ellensburg Elma Elmer City Entiat Enumclaw Ephrata Ethel Evans Everett Everson Fall City Federal Way Ferndale Fife Fircrest Ford Forks Fox Island Freeland Fruitland Galvin Gardiner George Gifford Gig Harbor Glacier Glenhaven Glenoma Gold Bar Goldendale Graham Grand Coulee Grand Mound Granger Granite Falls Grapeview Grayland Grays River Greenacres Greenbank Greenwater Guemes Island Hamilton Hansville Harrah Harrington Hartline Hat Island Henry Island Hobart Hood Canal Hoodsport Hoquiam Humptulips Hunters Hunts Point Ilwaco Inchelium Index Indianola Issaquah Joyce Kahlotus Kalama Kapowsin Keller Kelso Kendall Kenmore Kennewick Kent Kettle Falls Keyport Kingston Kirkland Kittitas Klickitat La Center La Conner La Push Lacey Lake Cle Elum Lake Forest Park Lake Stevens Lake Tapps Lakebay Lakewood Langley Leavenworth Lebam Liberty Lake Lilliwaup Lincoln Lind Long Beach Longbranch Longview Loomis Loon Lake Lopez Island Lummi Island Lyle Lyman Lynden Lynnwood Malaga Malo Malone Malott Manchester Mansfield Manson Maple Falls Maple Valley Marblemount Marcus Marlin Marysville Matlock Mattawa Mazama Mccleary Mckenna Mead Medical Lake Medina Menlo Mercer Island Mesa Methow Mill Creek Milton Mineral Moclips Monitor Monroe Montesano Morton Moses Lake Mossyrock Mount Pleasant Mount Vernon Mountlake Terrace Moxee Mukilteo Naches Nahcotta Napavine Naselle Neah Bay Neilton Nespelem Newcastle Newport Nooksack Nordland Normandy Park North Bend North Bonneville North Cove Northport Oak Harbor Oakville Ocean City Ocean Park Ocean Shores Ocosta Odessa Okanogan Olalla Olympia Omak Onalaska Orcas Island Orondo Oroville Orting Othello Oysterville Pacific Pacific Beach Packwood Palisades Parkland Pasco Pateros Pe Ell Pearl Island Peshastin Point Roberts Port Angeles Port Hadlock Port Ludlow Port Orchard Port Townsend Poulsbo Prescott Preston Prosser Puyallup Queets Quilcene Quinault Quincy Rainier Randle Ravensdale Raymond Reardan Redmond Renton Republic Rice Richland Ridgefield Ritzville Riverside Rochester Rock Island Rockport Ronald Rosburg Roslyn Roy Royal City Ruston Ryderwood Salkum Salmon Creek Samish Island Sammamish San Juan Island Satsop Seabeck Seatac Seattle Seaview Sedro Woolley Sekiu Selah Sequim Seven Bays Shaw Island Shelton Shoreline Silvana Silver Creek Silverdale Silverlake Skamania Skamokawa Skykomish Snohomish Snoqualmie Snoqualmie Pass Soap Lake South Bend South Cle Elum South Prairie Southworth Spanaway Spangle Spokane Spokane Valley Springdale Stanwood Startup Steilacoom Stevenson Stratford Stuart Island Sultan Sumas Sumner Sunnyside Suquamish Tacoma Taholah Tahuya Tenino Thorp Tieton Tokeland Toledo Tonasket Toppenish Touchet Toutle Tracyton Tukwila Tulalip Tumwater Twisp Union Union Gap University Place Usk Vader Vancouver Vantage Vashon Vaughn Waldron Island Walla Walla Wapato Warden Washougal Washtucna Waterville Wauconda Wauna Wenatchee West Richland Westport Whidbey Island White Pass White Swan Wilbur Wilkeson Wilson Creek Winlock Winslow Winthrop Woodinville Woodland Woodway Yacolt Yakima Yarrow Point Yelm Zillah Choose a property type: All Property Types Business Opportunity Commercial/industrial Condominium Farm/ranch Manufactured Multi Family Rental Residential Vacant Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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SUBDIVISION

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Choose a property type: All Property Types Business Opportunity Commercial/industrial Condominium Farm/ranch Manufactured Multi Family Rental Residential Vacant Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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SCHOOL

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Choose a property type: All Property Types Business Opportunity Commercial/industrial Condominium Farm/ranch Manufactured Multi Family Rental Residential Vacant Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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ZIP

Enter Zip Code Choose a property type: All Property Types Business Opportunity Commercial/industrial Condominium Farm/ranch Manufactured Multi Family Rental Residential Vacant Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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MLS #

Enter MLS Number: MLS Number: MLS Number: MLS Number:

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MAP

Select a Starting Point: No Preference Aberdeen Addy Adna Alderwood Algona Allyn Amboy Anacortes Ariel Arlington Ashford Auburn Bainbridge Island Baring Battle Ground Bay Center Beaver Belfair Bellevue Bellingham Benton City Birch Bay Black Diamond Blaine Boistfort Bonney Lake Bothell Bow Bremerton Brewster Bridgeport Brier Brinnon Brush Prairie Buckley Burien Burlington Camano Island Camas Carbonado Carlton Carnation Cashmere Castle Rock Cathlamet Centralia Chattaroy Chehalis Chelan Cheney Chewelah Chimacum Chinook Cinebar Clallam Bay Cle Elum Clinton Clyde Hill Colville Conconully Concrete Connell Conway Copalis Beach Cosmopolis Cougar Coulee City Coulee Dam Coupeville Covington Cunningham Curlew Cusick Custer Danville Darrington Davenport Deer Park Deming Des Moines Dupont Duvall East Wenatchee Easton Eatonville Edgewood Edmonds Elbe Electric City Ellensburg Elma Eltopia Enumclaw Ephrata Evans Everett Everson Fall City Federal Way Ferndale Fife Fircrest Forks Fox Island Freeland Fruitland Galvin Gardiner Gig Harbor Glacier Glenoma Gold Bar Goldendale Graham Grand Coulee Granite Falls Grapeview Grayland Grays River Greenbank Greenwater Hamilton Hansville Harrington Hartline Hat Island Hobart Hoodsport Hoquiam Hunts Point Ilwaco Inchelium Index Indianola Ione Issaquah Kalama Kapowsin Keller Kelso Kenmore Kennewick Kent Kettle Falls Keyport Kingston Kirkland Kittitas La Center La Conner Lacey Lake Forest Park Lake Stevens Lakebay Lakewood Langley Leavenworth Lebam Lilliwaup Lind Long Beach Longbranch Longview Loon Lake Lopez Island Lummi Island Lyle Lyman Lynden Lynnwood Malaga Malo Malott Manchester Mansfield Manson Maple Falls Maple Valley Marblemount Marysville Matlock Mattawa Mazama Mccleary Mckenna Medical Lake Medina Mercer Island Methow Mill Creek Milton Mineral Moclips Monitor Monroe Montesano Morton Moses Lake Mossyrock Mount Vernon Mountlake Terrace Moxee Mukilteo Naches Nahcotta Napavine Newcastle Newport Nooksack Nordland Normandy Park North Bend Northport Oak Harbor Oakville Ocean Park Ocean Shores Ocosta Odessa Okanogan Olalla Olympia Omak Onalaska Orcas Island Orient Orondo Oroville Orting Othello Oysterville Pacific Pacific Beach Packwood Palisades Parkland Pasco Pateros Pe Ell Peshastin Point Roberts Port Angeles Port Hadlock Port Ludlow Port Orchard Port Townsend Poulsbo Preston Puyallup Quilcene Quincy Rainier Randle Ravensdale Raymond Reardan Redmond Renton Republic Richland Ridgefield Ritzville Riverside Rochester Rock Island Rockport Ronald Roslyn Roy Royal City Ruston Ryderwood Salkum Sammamish San Juan Island Seabeck Seatac Seattle Seaview Sedro Woolley Selah Sequim Seven Bays Shaw Island Shelton Shoreline Silver Creek Silverdale Silverlake Skamokawa Skykomish Snohomish Snoqualmie Snoqualmie Pass Soap Lake South Bend Spanaway Spokane Stanwood Steilacoom Stevenson Sultan Sumas Sumner Sunnyside Suquamish Tacoma Tahuya Tekoa Tenino Thorp Tokeland Toledo Tonasket Toppenish Toutle Tukwila Tulalip Tumwater Twisp Union Union Gap University Place Vader Valley Vancouver Vantage Vashon Vaughn Walla Walla Wapato Warden Washougal Waterville Wenatchee West Richland Westport Wilbur Wilkeson Wilson Creek Winlock Winthrop Woodinville Woodland Woodway Yacolt Yakima Yarrow Point Yelm Zillah Choose a property type: All Property Types Business Opportunity Commercial/industrial Condominium Farm/ranch Manufactured Multi Family Rental Residential Vacant Land

What is your price range? No Minimum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000 No Maximum $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $600,000 $700,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,250,000 $3,500,000 $3,750,000 $4,000,000 $4,500,000 $5,000,000 $5,500,000 $6,000,000 $6,500,000 $7,000,000 $7,500,000 $8,000,000 $8,500,000 $9,000,000 $9,500,000 $10,000,000

Number of rooms required? Beds 1 2 3 4 5 6 7 8+ Baths 1 2 3 4 5 6 7 8+

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Will the First Time Home Buyer Tax Credit be extended for all?

Will the First Time Home Buyer Tax Credit be extended?

As we approach the deadline for closing on purchases to qualify for the First Time Home Buyer Tax Credit of $8,000, I am often asked what the chances are that the program will be extended.  The answer to the question is always the same; your guess is as good as mine.  However, I can give an update on what is happening in Congress where the decision will be made.

First, there is some very positive news from the U.S. House of Representatives.  Last Thursday October 8, 2009 the House passed H.R. 3590, the Service Members Home Ownership Tax Act of 2009 by a vote of 416 to 0.  This bill extends the First Time Home Buyer Tax Credit one full year for Military personnel (and some Civilian Federal workers) who deployed outside the United States for periods greater than 90 day.  The bill is now in the hands of the Senate for their approval, which is expected in the next few weeks.

On the home front, this bodes well for buyers who have not put our lives on the line in service to our country during the last year.  Many believe this bill will serve as a precursor to either, an extension of the existing tax credit, or possibly as a springboard for a new Home Buyer Tax Credit.

There are two bills currently in committee at the House of Representatives.  The first, H.R. 3761, is a simple extension of the existing tax credit.  This bill endeavors to change the dates of the existing law from before “December 1, 2009” to before “June 1, 2010.”  The National Association of Realtors, along with the National Association of Home Builders are both lobbying for this at a minimum given the fragile state of the recovery, and the majority opinion that any recovery of our economy will hinge on a comeback by the housing industry.

The Second bill awaiting action by the House Ways and Means Committee is H.R. 3760, titled the “Home Buyer Tax Credit Act of 2009.”  This bill not only extends the existing tax credit, but also increases the maximum allowable credit from $8,000 to $15,000.  The credit still calculates as 10% of the actual purchase price up to the maximum, but it nearly doubles the incentive.  As it stands now, the bill would also lower the period where the residence owner is subject to any recapture tax from 36 months to 24, and while the credit is still limited to principal residences, there is no mention of a restriction to First Time Buyers.

It is important to note that many more bills make it to committee than ever actually are voted on, and while in committee, there can be multitudes of changes to the language of a bill.  However, it is encouraging to see that the House passed the extension for our military buyers by a unanimous vote. It is also very positive to see that there is something in written form under debate, rather than just rumors about what they are saying verbally. 

Ron Brown is a FHA & VA loan Specialist with First Mortgage Company of Washington. 253-881-4699

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