“Only one who devotes himself to a cause with his whole strength and soul can be a true master. For this reason mastery demands all of a person.”
Albert Einstein
1879-1955, Theoretical Physicist, Philosopher and Author
From the authors of The Secret,
Edmonds Yacht Club
I didn’t recall seeing Tiger Woods at the banquet this year although we celebrated the year of the Tiger. Oh that’s right I’ve got the wrong Tiger its the Chinese year of the Tiger. If you haven’t seen the new Edmonds Yacht Club here’s your chance it was finished in record time I believe Rotary had the pleasure of meeting there first. But this year’s Edmonds Chamber annual banquet was held there and it was grand evening. Hope you enjoy the photo’s taken by Larry D. Pifer Michell P dad, just kidding.
“Trust your hunches. They’re usually based on facts filed away just below the conscious level.”
Dr. Joyce Brothers
Psychologist and Television Personality
Dr Joyce Brothers
Lindsay Staker
Last Friday was the newest Acupuncture clinic’s ribbon Quan Yin in Edmonds (Lindsay Staker) They are now a member of the Edmonds Chamber of Commerce. We welcome you t0 the Chamber and wish peace and prosperity in Edmonds. Please enjoy the photo’s taken by Greg Urban of IdeasUnfold.
“One half of life is luck; the other half is discipline – and that’s the important half, for without discipline you wouldn’t know what to do with luck.”
Carl Zuckmeyer
1896-1977, Writer and Playwright
Napoleon Hill
“The starting point of all achievement is desire. Keep this constantly in mind. Weak desires bring weak results, just as a small fire makes a small amount of heat.”
Napoleon Hill
1883-1970, Author of Think and Grow Rich
Insight of the day brought to you by The Cobbin Group your Edmonds Realtors
One of the biggest difficulties many first-time home buyers face is a lack of down payment and the necessary funds for closing costs. However, even with the widespread availability of “no-money-down programs” evaporating in the credit crisis, one national no-down payment program still remains: USDA Rural Development home loans.
Guaranteed by the USDA (United States Department of Agriculture), this program might make you think that you have to buy farmland or live “in the country” to qualify, but this is often not the case. In fact, you might be surprised to see just how many neighborhoods actually do qualify as rural development areas. For this program, the term “rural” really applies to those areas with a lower population or fewer homes, not necessarily those areas and neighborhoods far outside of the city.
There are several benefits of the USDA loan program besides no money down. The program also does not require private mortgage insurance, and the seller is allowed to pay all of your closing costs and pre-paid items up to 6.00% of the total sales price of the property. And while this is great news for first-time home buyers, it’s important to note that you don’t have to be a first-timer to qualify for a USDA loan.
Other than the location of the property you’re seeking to buy, there is one other limitation to this valuable program that you must consider: your income. Luckily, however, these numbers have recently increased to allow more potential buyers to take advantage of this special program. For households in non-high cost areas, with up to four people, the income limit is $70,750. In households where 5-8 people reside, the income limitation is $93,400. These income limitations are guidelines and, in some cases, may be exceeded.
To find out more about USDA loans, give The Cobbin Group a call. We can point you in the right direction an answer as to whether you qualify for this program in just a few minutes.
Hey Edmonds its time for the Third Thursday Art Walk this Thursday in many downtown retail shops in Edmonds Wa. A great way to spend a evening,meet some local artist, and buy some art. Another Edmonds Chamber of Commerce sponsored event.
Edmonds, Come joins at the hippest new restaurant in downtown Edmonds EPULO BISTRO has its ribbon cutting this Wednesday at 4:00 PM until we decide to leave the joint. Come on down and check us out may be we’ll buy ya a drink.
