Edmond Bondoc from Edmonds Real Estate

09/09/2026

Life of a Realtor 😆 - Always a text, dm or phone call away when you have any questions!

09/08/2026

I'm busy at the moment 🤣

09/06/2026

Thinking About Tapping into Your 401(k) To Buy a Home? Read This First.

Affordability is definitely a challenge, but that doesn’t mean tapping your 401(k) is your only way in if you want to buy.

If you're considering using your 401(k) savings for a down payment, weigh all your options and talk with a trusted financial advisor before you make any decisions. They’ll help you make a plan to fit your goals and your budget.



I'm always happy to help you - Edmond from Edmonds

Lately, headlines have floated an eye-catching idea about tapping into your 401(k) to cover a down payment on a home.

09/05/2026

Have you seen the headlines about using your 401(k) to cover a down payment?

Tapping it can feel like an easy call, especially if you’ve got a good chunk saved up. But pulling from retirement early can trigger penalties and set back the savings you'll want later on.

But you don’t necessarily have to raid your retirement to buy a home. You’ve got other options, like FHA loans, which let qualified buyers put down as little as 3.5%. And down payment assistance programs can help, too.

So, before you touch your 401(k), talk with a trusted financial advisor. They can help you find the option that fits your goals and your budget.



I'm always happy to help you - Edmond from Edmonds

09/05/2026

Jokes aside! If youre seriously considering about your next move, whether buying or selling - send me a DM and let's chat! 🏠😄

09/04/2026

You probably think as a general rule of thumb, brand new homes costs more than existing homes. But right now, that's backwards. This shows just how much.

A newly built home costs about $40k less than an existing one right now. That's because builders are cutting prices and piling on incentives to keep their inventory moving.

And that opens up a window for you to get brand new everything for less than you may expect.

DM me if you want a list of nearby new home communities offering deals like this right now to see if a new build may be in your budget after all.



I'm always happy to help you - Edmond from Edmonds

09/03/2026

Everyone's been watching mortgage rates. But there's another trend buyers shouldn't overlook...

Every fall, the housing market tends to shift.

More homes hit the market. Asking prices often soften. And sellers are usually more willing to negotiate.

Those seasonal changes happen almost every year – and they can make buying a little easier.

Let's talk about whether those same trends are showing up in our local market – and what it means for you.



I'm always happy to help you - Edmond from Edmonds

09/02/2026

Most people think of a home as a place to live. The tax code thinks of it as something else entirely.

If you own in Edmonds, some of these may already apply to you:

✅ Mortgage interest deduction (if you itemize)
✅ Property tax deduction (and with no state income tax, Washington homeowners rarely bump the SALT cap)
✅ Home office deduction (if you are self-employed and qualify)
✅ Home equity loan interest (if the money went back into the property)
✅ Up to $500,000 of profit excluded when you sell

Here is the part that is specific to us. Washington does not tax capital gains on real estate at all. In most states, the federal exclusion runs out and the state takes a second bite. Ours does not.

That is not a small detail if you have owned here for fifteen years and watched what values have done.

Not tax advice, talk to your CPA. But it is worth knowing what you are sitting on.

09/01/2026

Here's how we sold this home filled with 47 years of memories and made it possible for this owner to make a huge move

08/30/2026

A lot of people are hoping for the same thing. Lower mortgage rates. Lower home prices.

The problem? Forecasts show that’s probably not what’s in the cards. At least, not right now.

Mortgage rates aren’t expected to fall dramatically. And at the same time, home prices should keep rising at about the same pace they have been.

Now, that’s not what you wanted to hear, but it doesn’t mean you’re out of options.

Sometimes the best move isn't waiting for the market to change. It's exploring what's still possible right now.

Other people are still making it happen even with rates and prices where they are. Maybe you can too.

Let's talk if you want help thinking it over.



I'm always happy to help you - Edmond from Edmonds