Since I love to eat and snack so much, I thought I'd share some of the many eating places in Whatcom County, which I frequent. Here are just some of my many favorites.
CALLALOO CARIBBEAN KITCHEN
1212 N. State Street
(360) 676-5375
Caribbean cuisine - Shrimp and Rice dishes are great - Fun martini menu -Cute, informal setting with Reggae music playing.
GIUSEPPE'S ITALIAN RESTAURANT
1414 Cornwall
(360) 714-9100
Best Italian restaurant, in my opinion (although most all of them are good in Bellingham!) - Gorgeous atmosphere - Somewhat formal - Great for special occasions.
LA PATISSERIE
3098 Northwest Avenue
(360) 671-3671
Long-standing Vietnamese Restaurant - All dishes are outstanding - Make sure to try the garlic pork chops and asparagus soup - they know how to use herbs - Light & Delicious! - Informal setting.
CAFFÉ ADAGIO
1435 Railroad Avenue
(360) 671-1198
One of my favorite (among many!) coffee shops - Quiet, open atmosphere with couches and comfortable chairs - Great coffees, as well as sandwiches and some desserts (could use more desserts though !!).
MOUNT BAKERY
308 W. Champion Street, Suite C
(360) 715-2195
Owner is from Belgium - Fabulous Homemade Belgian Desserts - You'll have to try each and every one - Unique and delicious breakfasts 6 days a week - my favorites: Eggs Benedict served with fantastic homemade Hollandaise sauce, Belgian waffle, served with fresh fruit, real whipped cream, and dark Belgian chocolate on top - Not a place to go if you are in a hurry, as everything is prepared from scratch, but the food is well worth the wait!
Enjoy !
If you have items that are showing up on your credit report that you know you have already paid, request that these items be removed by the credit bureau. They are obligated to rectify this within 30 days
If there are items on your credit report less than two years old, if possible, send in your payment and mark the back of the check with the following notation: "Accepting this check is evidence that the transaction is complete and this charge will be deleted from my credit record." If necessary, the cancelled check will be proof that the item should be promptly removed from your credit report if it interferes with the closing of your loan.
thanks for reading.
"No." Part of your credit score is based upon credit history. Even if you don't use old credit cards much, you will still benefit from the credit history they represent. Rather than trying to pay off all your credit cards, move part of the debt from one card to another to evenly distribute of debt. Try to keep the ratio of debt to credit limits at about 30% of the available credit or less. If your credit provider will increase your line of credit, the ratio of debt to available credit is automatically reduced.
When married couples have separate credit card accounts, the debt can be transferred from one spouse to another to clear up credit issues for the other spouse. That spouse with clean credit can be designated as the sole borrower on the loan, but ownership of the home can still go in both names.
thanks for reading.
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"Local Mortgage Banker/ Broker, Providing Home Loans for all of Washington State" Obtaining the best program for the client, which takes advantage of : tax benefits and lowest interest over tim
The Benefits of a Professional Consultant
Choosing a good lender is a key element in managing your mortgage. A professional consultant won't just provide a loan, they will help you select the one most beneficial to you and your long-term goals, and then, help you manage that debt over time. There are not many lenders out there who provide this type of personalized service.
My job is just beginning when your first loan closes. I will monitor rates on your behalf, and stay in touch with you to make sure we remain on target with your financial goals.
About The Owner
Marie is a Bellingham "native". She holds a degree in International Business, with a minor in Latin American Studies. She is a licensed CPA, having worked in the financial field for 20 years, and speaks conversational Spanish. She has been active in real estate investing and financing for over 15 years, beginning in her early 20's. Marie cleverly utilitizes her combined real estate and financial experience to the benefit of borrowers for all types of real estate financing.
Marie enjoys traveling, cross-country skiing, and Nordic walking with her husband, Jerry and her Australian Cattle-dog, Sheila.
Testimonials
"Dream Team!
My real estate agent highly recommended them. I could feel their vast experience with the finance process. I felt like I was putting my life in their hands, and it turned out to be the right choice! I will remember them as my dream team! Nonnie K., Retired
"We're Glad to Know Marie Bjornson!
"Along with doing our home loans, Marie served as our financial advisor, so that we could see the big picture in our investments and financial goals. We received cash for remodeling our home AND saved $408 per month! Marie made it possible to save money that we are now putting toward our principal, so that we are building more equity in our home, and raising our tax deduction benefits. Yeah - Thank you, Marie!" Ben and Rainy Fackler-Adams
(and daughter, Aurora!)
We have worked with Marie before and love her. Marie helped us with our first loan and difficulties with being self employed. She counseled us on a plan to increase our credit scores and lower our rates to combine our loans and debt into 1 loan. Marie's personal attention and guidance helped us achieve our over-all financial goals - much more than just a mortgage. Marie has been a huge blessing in our life!
Shawna and Merrill Tucker
Owners, American Seamless Gutter
Bellingham, WA
"Short of a Miracle!
Hi Marie, Yet again, I am so impressed with your excellent professionalism in every area of contact with Ralph and I. Then your humor and cuteness top it off, just right. Thanks for being yourself, and doing what you have for us - it was over the top!" Marilyn R.
I am so glad to have discovered Marie Bjornson, at Northern Pacific Mortgage. I have worked with her for years now. The Reason Why? I have never experienced a delayed closing ! My closing date is always met on-time, or sooner. Which, as we all know, means no further negotiation, no losing deals, happy clients, AND a happy me! I also do not even worry about the miscellaneous details. I let Marie worry - one less problem for me. I have complete confidence in Marie." Joan Pollack
"Marie Bjornson - She Knows How to Close 'Em, and NEVER Fold's 'Em!
RJR Realty
"Marie Bjornson is the ultimate professional. Marie is available and responsive to her clients and their Real Estate agents. She is often available in the evenings and on weekends, which is usually when we need her help! Her assistance is prompt and thorough as she is very knowledgeable about Mortgages and the home lending industry. Marie is also a kind and very thoughtful person as well, serving her clients with integrity and personal interest. I highly recommend to my clients that Marie should be the first person to call to pre-qualify for their home loan."
Meredith Murray
Keller-Williams Realty
"You have gone more than the 'extra mile' to help us with so many things. We wanted you to know it is very much appreciated."
Peter and Lynda F.
Bellingham, WA
"Thanks for your excellent service. It is so nice to refer my clients to someone I know will give them Five-Star service."
Colleen MacGilchrist
Muljat Group Realtors
Bellingham, WA
"This is great! Perfect timing! Thanks so much. (happy face symbol here) This has been the easiest process ever, and I really appreciate it. I will definitely refer anyone to you that I know is looking for a home loan or to refinance."
Mara A., Client
Lake Stevens, WA
"Marie often can help people where other lenders have not! I hold Marie in the highest of regards. She is very email responsive, as well."
Mark Brown
Windermere Realty
Bellingham, WA
"I was very appreciative and impressed by how hard Marie worked for us to find the lowest interest rate and best terms available. Marie went the extra mile, or more, for us by not only guiding us through the maze of refinancing paperwork, but doing most of it herself.
Marie has integrity and is a dedicated and honest mortgage broker. She works hard for her clients. I wouldn't hesitate to recommend her." Barbara W.
Bookkeeper
Bellingham, WA
"Thanks for being such a great broker, your clients love you!"
Terri S.
Senior Escrow Agent
Bellingham, WA
"When I first contacted Marie, I didn't really know if she could help. I was a recently divorced single Mom, had been having such a hard time keeping up with my payments afterwards, I had to sell my home and file bankruptcy. My credit was so damaged that when I tried to buy another house I was turned down by my bank. I was desperately hoping Marie could give me some help with my problems!
I was very skeptical, but Marie came through for me in a big way and wiped out my skepticism. I didn't think I'd ever be able to buy a house again, because of my credit. First Marie researched my finances and straightened out my credit issues so that I could qualify. Then she not only helped me to buy a new home for my daughter and me but made it possible to do with no money down! She got over all the hurdles, worked on my behalf and made it all simple for me.
Even after buying my home, Marie kept on working on my credit and got my scores to jump up by 90 points! She then got me qualified to get rid of my mortgage insurance and lower my house payment by $259 a month. On top of that, I received additional $6,254 in cash to pay off some bills and put towards a better, safer car for us. I was even able to start a nice little nest egg!
God Bless You, Marie! You are so amazing, so passionate about your work, and I am so glad!
Thank you for giving me a fresh start!
Lorraine Peterson
Social Worker
Bellingham, WA
"Marie refinanced my house and two of my rental properties on - time and with great interest rates. She made the process surprisingly easy each and every time!"
Erik B., Attorney
Tacoma, WA
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