Quick links

Chambers of commerce:
For Anacortes
For Burlington
For La Conner
For Mt. Vernon
For Sedro-Woolley

Financial Assistance:
Mortgage Calculator
Whidbey Island Bank
Don Railsback - Creekside Mortgage
VA Loan Specialists
Mortgage Quote - All Mortgage Types

Medical:
Hospital

Phone Directories:
Verizon Super Pages
MacGregor's Plaid Pages

Meteorological:
Local Weather
Tide Predictions

Tourist Info:
Skagit Valley Tulip Festival
Washington State Tourism

Transportation:
Skagit Transit
Washington State DOT
Washington State Hwys
Washington State Ferries

• Calculate your payments
  
  Use this loan calculator figure out what you can afford or to estimate what your payments would be in a certain price range

• Get Pre-Qualification Assistance
  
  Fill the standard loan application below, arrange an appointment with me by clicking on the link above, and I will use my previous experience as a loan officer to help pre-qualify you for a purchase without going to the bank and causing possible damage to your credit rating. 

• Print out a loan application
  
  From here you can fill out and print a loan application to take to a qualified lender that you are already working with. Or bring the printed form with you if I am already assisting you in finding a home.

• For Veterans - VA Loan Specialist
  
  VA Loan Specialist is a team of Veterans helping Veterans get into a home with a no money down zero down payment VA home loan and can help you with VA loans and VA Real Estate.

Why buy?
While renting only gives you a temporary place to stay, Ownership allows you to build equity. Pride in ownership can also be financially rewarding as existing home prices rose an average of 4% per year between 1980 and 1992.

Fix rate mortgage
The 30-year fixed rate is the most common type of mortgage loan.
Also available in a 15-year version, your monthly payment remains the same over the life of the loan.

Adjustable rate mortgage
Popular during times of high interest rates, these loans tie your flexible interest rate to the prime-lending rate set by the government.

Zero Down VA Mortgage
A Veteran can borrow up to $417,000 with no money down. The seller can also pay for all the VA cost to close costing the Veteran nothing down.

Tom W. Gardner • Cell: (360) 391-0676 • Office: (360) 856-2121 • tomgardner@skagitcountyproperties.com

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