Jennifer Pantano Realtor

09/09/2022

Sad day....

06/19/2020

Copied from a great post from a awesome Mortgage Loan Officer. Howard Bono and his team.

Do you know the difference between conventional and government loans?



Conventional Loans
The term “conventional loan” just refers to any loan that isn’t guaranteed or insured by a government agency. They fall into two categories:

Conforming mortgages are conventional loans that offer a lower rate in exchange for conforming to certain maximum limits and guidelines.

Non-conforming mortgages have a higher interest rate, since they’re for amounts above the conforming loan limits.

Government Loans
Government loans are from private lenders just like conventional loans are — but these loans are guaranteed by a government agency, allowing those lenders to relax their requirements.

FHA loans are insured by the FHA. These loans are great for first-time home buyers and low-income borrowers.

VA loans are government loans too, but these are guaranteed by the U.S. Dept. of Veterans’ Affairs. For veterans and service personnel who are eligible, these can be easier to qualify for than other loans.

USDA loans are government loans guaranteed by the U.S. Dept. of Agriculture. These loans are specifically for rural properties.

Still not sure which type of loan is best for you? Reply to this email or give us a call — we’d love to chat with you about the ins and outs of conventional and government loans.





Howard Bono
Loan Officer
MLO-293827 | Branch NMLS 1801521

3710 168th Pl. NE A203
Arlington, WA 98223

Office: 360-654-6367
Fax: 844-357-2942
[email protected]

Find contact information and bio for Howard Bono, Mortgage Advisor at Evergreen Home Loans in Arlington, Washington.

03/06/2020

Check out this cave house, and it is up for sale! Not in Washington State but still really cool!

The Chulo Canyon Cave House occupies 37 acres in a canyon between the Mule Mountains, just outside of Bisbee, a town 80 miles from Tucson.

11/25/2019

Worried about the cost to repair or replace your failing septic system? Loans are available! FREE estimates!

The Loan:
Covers the full cost of designing, permitting, and installing a septic system. Has competitive interest rates and no up front cost. Works for many property types and incomes. Offers deferred payment options to homeowners with lower incomes.

Family own and operated in Skagit Valley since 2009. We do new installs, repairs and replace old. Also very experienced heavy equipment operator for any of your larger projects.

Licened Insured and Bonded

05/16/2019

Washington was just rated #1 to live in. I am not surprised..I love it here.

The total value of the 1.9 billion acres in the contiguous 48 states is nearly $23 trillion – or about $12,000 an acre on average.

02/25/2019

UNLOCK THE DOOR IN WASHINGTON
CREATING AFFORDABLE AND ACCESSIBLE HOMEOWNERSHIP
There is a housing affordability crisis in Washington impacting buyers, sellers, and renters from Seattle to Spokane. Growing pressure and demand for housing leads to skyrocketing prices and low housing supply. Families in all income groups are struggling to find homeownership opportunities. This impacts every part of the housing and rental markets in Washington.

According to the University of Washington’s Center for Real Estate Research, first-time buyers in King, Snohomish, Pierce and Kittitas Counties face home prices that are nearly double what they can afford.

We need to work with our state and local elected officials to solve this growing crisis in our communities. That includes educating lawmakers about the real world impacts on all Washingtonians.

02/25/2019

Get ready the inventory of homes is going to start increasing come this spring.....be prepared. Get ahold of me now and i will help you with the steps to get you into a loan that fits your budget. Be prepared, lets beat the competition and get you into your dream home! It can be done...
Washington State only.....

Experience started in Colorado Springs Colorado as a Real Estate Broker and have worked at Stewart Title before moving to the great Pacific Northwest region.

01/22/2019

The Chances you take, the people you meet, the people you love, the faith that you have.
That’s what’s going to define you.
-Denzel Washington

PS....that is not Denzel in the picture, that is my hubby. 💗

12/14/2018

The new trade deal between the U.S., Canada and Mexico that will replace the North American Free Trade Agreement (NAFTA) with the United States-Mexico-Canada Agreement or USMCA has the potential to…