Sandy Noll

In our effort to make the home buying process as seamless as possible, KW Kirkland is planning to add several core services to our Market Center, starting with LoanCentral!

The first added service offered will be to assist you with your lending needs. We now have the expertise of Wendy Charles and Wendy Mariani of LoanCentral. Both are CMPS or Certified Mortgage Planning Specialists. What does that mean to you? That means they are going to do more then just help you that day with a loan to buy a home. They will take the time to go over your goals with you, your plans for that home, your exit strategy, and then determine the absolute best loan to help you achieve your goals.

With now being the best time in history to buy a home, I encourage you to call the office at 425-285-3200 or stop by and talk with either one of them. They are knowledgeable, honest and they strive to provide excellent customer service.

Once they help you with your loan, give me a call at 425-890-0878 and lets start the search for your dream home!

Sandy Noll
Realtor
Keller Williams Kirkland
425-890-0878
sandy@sandynoll.com
www.letsachieveyourgoals.com
Your Woodinville, Kirkland & Bothell
Real Estate Professional

Are you a seasoned real estate investor who's run into snags with tightened lending criteria? Are you brand new to real estate investing, have excellent credit, but lack the cash to buy at the auction?

If either of these situations is you or a similar scenario, give me a call. I have a resource to acquire funds needed to purchase investment real estate or buy at the auction. Many properties make excellent investments because they are cash flow positive right from the purchase or you start out with a bit of equity or in some cases a whole lot of equity, depending on the property and it's condition.

Of course there are guidelines to follow, but if all that's holding you back from investing is capital, wait no more! Call me today and lets get you on the road to real estate investing 425-890-0878!!!

Sandy Noll
Realtor
Keller Williams Realty Kirkland
425-890-0878
sandy@sandynoll.com
www.letsachieveyourgoals.com
Your Kirkland, Woodinville, and Bothell Home Expert

We've all heard that this is a GREAT time to buy real estate because interest rates are at historic low rates, but what does that really mean? And what about those of you that are waiting until the home prices drop just a little bit more to make your move to buy? And how about those wondering if they should refinance a loan they got a couple years ago?

To help answer all these questions and quite possibly more click on this link www.loancentral.com/SandyNoll to use a really cool interactive tool that just might shed some light on yours or someone elses situation and help answer the question, "What should I do". Oh, you don't have to register to use the tool either!!

If you have questions or need help interpreting the results after using the tool, feel free to call me and we'll walk through it! Also feel free to forward this email to everyone you know so they too can see what interest rates vs lower home prices actually do to payments!!

BE SURE TO CLICK ON THE LINK ABOVE......YOU'LL BE GLAD YOU DID!! GO AHEAD AND CLICK....YOU KNOW YOU WANT TO!!

Clarification: When you click on the link above you will be taken to a page where you have to click on the PDF or Powerpoint icon and that will bring up the mortgage calculator.

Sandy Noll
Realtor
Keller Williams Realty Kirkland
425-890-0878
sandy@sandynoll.com
www.letsachieveyourgoals.com
Your Kirkland, Woodinville, and Bothell Home Expert

Like many kids, my boys got some new toys and things for Christmas so we decided it was time to clean out the toy shelves.  I decided rather then just dropping off the stuff at the Goodwill like we usually did I wanted to try to find a way to impress upon my kids that they did have it pretty good.  The three of us got to work and went through everything.  After a couple hours we had a big huge black contractor size garbage bag full of  gently used and some nearly new toys, games, books and coloring books.  We were feeling a little like Santa!

While we were sorting through things the idea came to me that we should find a Women and Children's Shelter to donate the items to.  I appointed my 9yr old Chandler the task of researching online where we might be able to take the donation.  He found a few shelters in our area, so I started making phone calls.

A few numbers were disconnected, a couple didn't want our donation but several numbers kept taking me to the same shelter so I just had a feeling it was the where we were supposed to take our bag of goodies!


I put in a call to Denny Hancock at Mama's Hands.  I told him we had a bag of toys and things to donate and how did we go about getting it to him.  Apparently most people that call with donations want it to be picked up because he was very surprised when I said I'd drive, about an hour, to their Shelter to drop the stuff off.  Wanting to protect the safety of those at the shelter he asked me a few questions, then said he believes I am a good honest person and told us how to get to the shelter.  So the boys and I packed the bag in the Tahoe and set out for the drive to the shelter.

When we arrived at the shelter Denny showed us around the property.  He pointed out the second home they were working on which was going to serve as more of a short term shelter and then we went into the main house known as the House of Hope.  It was very evident upon entering the home that Denny believed deeply in his faith and the good of all.  We met a mother and her children and they shared how coming to the House of Hope had changed their lives and they'd be forever grateful.  Denny and his volunteers help those in need by providing a safe haven and by providing whatever is needed to reenter society and be a productive member.  If you lack a GED they help you to obtain it, if you need training they help you find the resources to get it, they provide child care so the Moms can be trained or get an education.  It truly is a wonderful place to call home for however long it's needed.

I asked Denny what led him to opening the shelter and he walked over to the piano, sat down and started playing a beautiful song he wrote and sang the words to the "County Line Cafe".  I could feel the thump forming in my throat.  To be in the company of such a wonderful man who joked that "the pay wasn't great, but the rewards were many" really made me realize how special he was and how he was an angel here on earth.  He and his wife put themselves second to the needs of the women and children that needed him.  Everything they do is done through donations or volunteers.  Here is another song he wrote about his visit to the House of Hope in Chicago on Woodlawn Ave.

In addition to the House of Hope, every Wednesday Denny and a group of volunteers go down to the streets of Seattle and offer the Phone Home Program.  They provide food, blankets and a listening ear.  Armed with cell phones, they allow the homeless the opportunity to phone home.  Denny has helped hundreds of people reunite with family and they will even consider driving someone to wherever they need to go, if they are really ready!  It is truly amazing!

I left the shelter feeling like I had accomplished my lesson in giving I wanted to teach my boys.  They asked questions on the way home about why the families lived there and I think for the first time they realized others have it pretty rough sometimes.  But they also realized that there are good people here in this world who truly care about others.

Denny asked us to come back in the spring or summer when there wasn't so much snow (we had just gotten record snow fall) and my boys could play with the other kids and we could help in whatever capacity we were able.  I have made a commitment to myself  to try to volunteer one Wednesday a month with the Phone Home Program too!

If you are reading this and need help, click on the links above and contact Denny for help.  If you are reading this and don't need help, find in your heart some way to give back.  Pay it Forward.  Even if you don't have much, you have more than some and it does the soul good to help others!


Sandy Noll
Realtor
Keller Williams Realty Kirkland
425-890-0878
sandy@sandynoll.com
www.letsachieveyourgoals.com
Your Kirkland, Woodinville, and Bothell Home Expert

While many of you have been sitting on the sidelines waiting for prices to drop, the word on the street is....THEY ALREADY HAVE!!

Here is one analysts view from Realtor Magazine-Daily News I received today:

Daily Real Estate News | November 12, 2008 | These Cities Are In Line for a Rebound

Have we reached bottom? In many cities, knowledgeable observers say yes.

In October 2005 at the peak of the boom, the median sales price for a U.S. home reached 7.3 times per capita income. By this May it was 5.7 times, just about the historical norm. Home inventories have flattened. The decline in sales has ended – and in some places sales have expedited.

"The indicators are starting to look better," says Adam York, an economic analyst with Wachovia.

Here are seven markets that SmartMoney magazine says are in line for a rebound:

• Seattle
  
• Raleigh
• Des Moines
• Philadelphia
• Denver
• Birmingham, Ala.
• Salt Lake City

Source: SmartMoney (11/01/08)

The Seattle region has been far behind the nation in
terms of lost value, foreclosures and slow downs. It
would appear we have hit the worst of times and prices
will slowly increase as inventory decreases.

SO IF YOU'VE BEEN WAITING FOR THE RIGHT TIME TO BUY, YOU BETTER DO IT NOW BEFORE YOU'RE CHOICES DECREASE AND PRICES & INTEREST RATES INCREASE. THERE HAS NEVER BEEN A BETTER TIME TO BUY!!

Call me today to begin your quest for the American Dream.......to become a homeowner. You could be in your own home in time for the holidays!!