Facebook
X
Pinterest
Copy Link
Ready to take a look at what changed in our real estate market in September 2025?
Learn more about Snohomish County by visiting HERE.
Why October Is the Best Time To Buy a Home in 2025
Why October Is the Best Time To Buy a Home in 2025
If you’ve been watching from the sidelines, now’s the time to lean in. It’s officially the best time to buy this year. According to Realtor.com, this October will have the most buyer-friendly conditions of any month in 2025:
“By mid-October, buyers across much of the country may finally find the combination of inventory, pricing, and negotiating power they’ve been waiting for—a rare opportunity in a market that has been tight for most of the past decade.”
So, if you’re ready and able to buy right now, shooting for this month means you should see:
- More homes to choose from
- Less competition from other buyers
- More time to browse
- Better home prices
- Sellers who are more willing to negotiate
For most of the top 50 largest metros, that sweet spot falls in October. But the peak time to buy may be slightly earlier or later, depending on where you live. As Realtor.com explains:
“While Oct. 12–18 is the national “Best Week,” timing can shift depending on the local markets. . .”
Best Week To Buy for the Top 50 Largest Metro Areas
- Atlanta-Sandy Springs-Roswell, GA: September 28 – October 4
- Austin-Round Rock-San Marcos, TX: September 28 – October 4
- Baltimore-Columbia-Towson, MD: October 12 – 18
- Birmingham, AL: October 19 – 25
- Boston-Cambridge-Newton, MA-NH: October 26 – November 1
- Buffalo-Cheektowaga, NY: October 12 – 18
- Charlotte-Concord-Gastonia, NC-SC: November 2 – 8
- Chicago-Naperville-Elgin, IL-IN: September 28 – October 4
- Cincinnati, OH-KY-IN: October 12 – 18
- Cleveland, OH: October 12 – 18
- Columbus, OH: October 12 – 18
- Dallas-Fort Worth-Arlington, TX: September 28 – October 4
- Denver-Aurora-Centennial, CO: October 12 – 18
- Detroit-Warren-Dearborn, MI: October 12 – 18
- Grand Rapids-Wyoming-Kentwood, MI: September 28 – October 4
- Hartford-West Hartford-East Hartford, CT: September 21 – 27
- Houston-Pasadena-The Woodlands, TX: October 12 – 18
- Indianapolis-Carmel-Greenwood, IN: October 26 – November 1
- Jacksonville, FL: October 26 – November 1
- Kansas City, MO-KS: October 12 – 18
- Las Vegas-Henderson-North Las Vegas, NV: October 5 – 11
- Los Angeles-Long Beach-Anaheim, CA: October 12 – 18
- Louisville/Jefferson County, KY-IN: November 2 – 8
- Memphis, TN-MS-AR: September 21 – 27
- Miami-Fort Lauderdale-West Palm Beach, FL: November 30 – December 6
- Milwaukee-Waukesha, WI: September 7 – 13
- Minneapolis-St. Paul-Bloomington, MN-WI: October 26 – November 1
- Nashville-Davidson–Murfreesboro–Franklin, TN: October 12 – 18
- New York-Newark-Jersey City, NY-NJ: September 14 – 20
- Oklahoma City, OK: October 12 – 18
- Orlando-Kissimmee-Sanford, FL: October 26 – November 1
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: September 7 – 13
- Phoenix-Mesa-Chandler, AZ: November 2 – 8
- Pittsburgh, PA: October 12 – 18
- Portland-Vancouver-Hillsboro, OR-WA: October 26 – November 1
- Providence-Warwick, RI-MA: October 19 – 25
- Raleigh-Cary, NC: October 12 – 18
- Richmond, VA: October 26 – November 1
- Riverside-San Bernardino-Ontario, CA: September 28 – October 4
- Sacramento-Roseville-Folsom, CA: October 12 – 18
- San Antonio-New Braunfels, TX: October 12 – 18
- San Diego-Chula Vista-Carlsbad, CA: October 12 – 18
- San Francisco-Oakland-Fremont, CA: October 12 – 18
- San Jose-Sunnyvale-Santa Clara, CA: October 19 – 25
- Seattle-Tacoma-Bellevue, WA: October 19 – 25
- St. Louis, MO-IL: October 12 – 18
- Tampa-St. Petersburg-Clearwater, FL: November 30 – December 6
- Tucson, AZ: October 12 – 18
- Virginia Beach-Chesapeake-Norfolk, VA-NC: September 21 – 27
- Washington-Arlington-Alexandria, DC-VA-MD-WV: October 12 – 18
What the Experts Are Saying
And Realtor.com isn’t the only one saying you’ve got an opportunity if you move now. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), explains:
“Homebuyers are in the best position in more than five years to find the right home and negotiate for a better price. Current inventory is at its highest since May 2020, during the COVID lockdown.”
Daryl Fairweather, Chief Economist at Redfin, puts it like this:
“Nationally, now is a good time to buy, if you can afford it . . . with falling mortgage rates and significantly more inventory, buyers have an upper hand in negotiations.”
And NerdWallet says:
“This fall just might be the best window for home buyers in the past five years.”
How To Get Ready for this Golden Window
If you’re serious about buying, getting prepped for this October window is a smart play.
Want help lining up your strategy? Let’s have a quick conversation so you’ve got the information you need to be ready for this prime buying time.
Buying and Selling a Home at the Same Time?
Wondering how to buy a new home while selling your current one—without blowing your budget or your sanity? You’re not alone. This is one of the most common (and stressful) scenarios homeowners face, especially in a market as dynamic as we have in the Pacific Northwest. The good news? With the right strategy, it’s entirely possible to navigate both transactions smoothly.
Understand the Core Challenge
The biggest issue when you’re buying and selling a home at the same time is timing. If you sell first, you may be scrambling to find your next home or risk temporary housing. If you buy first, you may be stuck carrying two mortgages or relying on a fast sale to avoid financial strain.
In high-demand areas like Bothell, Kirkland, and Woodinville, homes often sell quickly—but competition on the buying side can still create delays. That means you’ll need a strong, flexible plan customized to your financial situation and local market conditions.
Option 1: Make a Contingent Offer
A contingent offer means your ability to buy a home is tied to selling your current one. This is often the least risky option financially, but it can make your offer less competitive—especially in seller-friendly markets.
Contingent offers are still accepted in Washington state, particularly if your current home is already listed or under contract. You’re in a stronger position if you’re working with an experienced agent who can communicate your plan clearly and if the seller has some flexibility on timing.
If you’re considering a contingent strategy, prep your home for listing before you start shopping. The faster your current home goes under contract, the stronger your offer becomes.
Option 2: Buy First, Then Sell
Buying first gives you more time to find the right property without rushing. But it also means taking on more financial risk. You’ll need to qualify for a second mortgage or have enough savings to manage two homes temporarily.
This approach works best if you have substantial savings, are confident your home will sell quickly, and have a strategic plan to minimize time on market. A strong agent is essential to ensure your current home is priced and positioned to attract quick offers.
Option 3: Use a Bridge Loan
Bridge loans are short-term financing tools that let you “unlock” the equity in your current home to buy a new one before selling. Available in Washington through select lenders and Windermere, they help buyers stay competitive without waiting for a sale to close.
Pros:
- Make a non-contingent offer (more appealing to sellers)
- Stay competitive in multiple-offer scenarios
- Move at your own pace
Cons:
- Higher interest rates and fees
- Short repayment period (often 6–12 months)
- Not all properties or buyers qualify
Most bridge loan lenders in Washington will require you to have substantial equity (often 25%+), and may limit total loan-to-value ratios. It’s essential to work with a real estate advisor and lender who understand how these products work locally.
Option 4: Negotiate a Rent-Back Agreement
If you’re selling your home first, a rent-back agreement can give you more time to find your next place. This lets you stay in your current home for a set period after closing while paying rent to the buyer. It’s a useful tool in competitive markets like Mount Vernon and Anacortes, where timing flexibility is crucial.
Your agent can help you negotiate favorable rent-back terms to bridge the gap between your sale and your next purchase.
Option 5: Temporary Housing (as a Backup Plan)
While not ideal, having a short-term rental or staying with friends or family between homes can take the pressure off. It allows you to sell with less stress and buy without compromising. This strategy is often used during relocations or major lifestyle changes.
Smart Moves to Streamline the Process
No matter which route you choose, success hinges on preparation and expert guidance. Here are a few key tips to make the transition smoother:
- Start early with a local lender and a real estate advisor who understands both sides of the transaction.
- Prep your home to sell fast with strategic pricing, staging, and professional marketing.
Also, make sure you understand your finances in detail. Know your net proceeds, buying power, and how much you can comfortably carry month-to-month. Use local market insights to time your decisions strategically, especially in neighborhoods like Hilltop, Bay Meadows, and San Juan Passage.
Working with one agent for both buying and selling keeps your strategy aligned and communication clear. This unified approach is essential when timing and coordination matter most.
Why Strategy Matters More Than Timing
Trying to “time the market” is rarely the winning move. A well-executed strategy that accounts for your finances, goals, and local conditions will always outperform guesswork.
As a top Skagit Valley real estate advisor, I help homeowners navigate the complexities of buying and selling at the same time—with a proven plan, personalized guidance, and professional marketing that gets results.
Pumpkin Season & Halloween Fun in Skagit Valley
The crisp autumn air settles in and the leaves beneath our feet start to crunch as a foggy tingle fills the air… Halloween is creeping closer! It’s time to conjure up some devilishly delightful pumpkin carvings, sip on warm cider, and soak up the magic of the season. Whether you are a seasoned pumpkin-carving pro or just getting started, Skagit Valley is brimming with inspiration, farm-fresh pumpkins, and festive events to make this fall unforgettable. Keep reading for the best ways to celebrate pumpkin season & Halloween fun in Skagit Valley.
Skagit Valley’s Pumpkin Patches & Fall Hotspots
Skagit Valley isn’t just a spring tulip paradise — fall is just as magical here, with sprawling pumpkin fields, cozy farm stands, and fun everywhere you turn. Here are some of the best places to find your perfect pumpkin (and maybe a little autumn adventure along the way):
Gordon Skagit Farms (Mount Vernon)
A Skagit Valley icon, Gordon Skagit Farms is known for its incredible variety of pumpkins, hand-painted farm signs, and elaborate fall displays. Wander through their fields, snap a few family photos, and explore their artistic, Halloween-themed barn.
Schuh Farms (Mount Vernon)
With its cheerful red barn and rolling pumpkin fields, Schuh Farms offers hayrides, u-pick pumpkins, delicious homemade pies, and fresh apple cider. It’s a true fall wonderland for all ages.
Tulip Town Harvest Festival (Mount Vernon)
Known for its spring tulips, Tulip Town transforms into an autumn festival in October, complete with pumpkins, local vendors, seasonal treats, and plenty of fall photo ops.
Jones Creek Farms (Sedro-Woolley)
Perfect for families, Jones Creek Farms offers not only pumpkins but also u-pick apples and pears. It’s a wholesome day out with a true farm-to-table feel.
Kristoferson Farm (Camano Island — just south of Skagit)
While technically outside the valley, Kristoferson Farm is worth the short drive for its fall market, pumpkin patch, and stunning seasonal scenery.
Spooktacular Pumpkin Carving Ideas
Once you’ve picked your perfect pumpkin, it’s time to get creative!
-
Classic Jack-o’-Lantern
– The timeless toothy grin never fails to deliver Halloween charm.
-
Ghostly Designs
– Paint or draw spooky faces for a quick, mess-free alternative to carving. Bonus: glow-in-the-dark paint is amazing.
-
Playful Cat
– Whiskers, pointy ears, and a mischievous grin for a whimsical touch.
-
Dragon Masterpiece
– For the ambitious carver, a dragon will wow trick-or-treaters.
-
Haunted House
– Carve intricate windows, ghosts, and creepy trees, then light it with twinkle lights for extra effect.
Halloween Happenings in Skagit Valley
Fall in Skagit Valley is filled with community spirit — and Halloween takes it up a notch. Keep an eye out for:
-
Mount Vernon Downtown Trick-or-Treat
– Local businesses open their doors for family-friendly trick-or-treating.
-
Anacortes Halloween Parade
– A festive small-town parade with costumes, candy, and fun for all ages.
-
Haunted Forest at Northern State Recreation Area
– A spooky trail experience perfect for thrill-seekers.
Whether you’re here for the pumpkin patches, the cozy farm vibes, or the eerie Halloween fun, Skagit Valley offers a little something for everyone this season. So, grab your scarf, your carving kit, and maybe a caramel apple or two — and make this fall one to remember.
Are you thinking about calling Skagit Valley home? I’d love to help you find your perfect place here — just in time for next fall’s pumpkin season.
October 2025 – Local events to attend happening in Skagit Valley
#skagitvalleyrealtor #skagitvalley #mountvernonwarealestate #npsar #anacorteswa #movetoskagitvalley #ruralliving #mountvernonhomes #westernwa #washingtonrealtor #pnwrealestate #pnw #mountvernonhill #skagitcounty #skagitcountyproperties
A Local Look at the Western Washington Housing Market for August 2025
🍂 From September to December, the market changes—and that can be a big win if you’re a buyer.
✅ Less competition
✅ Motivated sellers
✅ More room to negotiate price, repairs, credits, and terms
This is your window to make a smart move before the holidays hit.
Thinking about buying before year’s end? Let’s make a plan!
Staging Your Home Matters
When it comes to selling your home, first impressions aren’t just important; they are everything. Staging your home matters. In today’s market, buyers often scroll through dozens of listings online before ever stepping foot inside a home. That means your property needs to shine from the start of the home buyer’s journey. Meaning in addition to staging your home, professional photography takes equal importance.
Whether you’re working with a cozy condo or a sprawling estate, staging can make all the difference in how quickly your home sells—and for how much.
What Is Home Staging?
At its core, staging is the process of preparing your home to appeal to the broadest range of buyers. It involves arranging furniture, adding decor, and even adjusting lighting or paint colors to highlight the home’s best features and create a warm, welcoming vibe.
Think of it as dressing your home for success. You wouldn’t go to a job interview without looking your best—and neither should your home when it’s trying to attract a buyer.
Why Staging Works
✅ It Helps Buyers Visualize Living There
Most buyers don’t have the imagination to see beyond your personal photos or eclectic furniture choices. A well-staged home offers a clean, neutral canvas that helps buyers imagine their own lives unfolding in the home.
✅ It Highlights the Home’s Potential
Staging draws attention to the best parts of your home—whether it’s natural light, a spacious layout, or a cozy fireplace—and minimizes distractions that might otherwise go unnoticed (think outdated fixtures or awkward room shapes).
✅ It Increases Perceived Value
According to the National Association of Realtors, staged homes typically sell for 5–10% more than non-staged homes. That’s a serious return on a relatively small investment.
✅ It Can Lead to Faster Offers
Homes that are staged spend less time on the market. That means fewer showings, less hassle, and potentially multiple offers in a shorter timeframe than the un-staged counterpart.
Staging Doesn’t Have to Mean a Full Makeover
Worried that staging means hiring an interior designer and buying all new furniture? Don’t be. Staging can be as simple as:
- Decluttering and depersonalizing
- Rearranging existing furniture
- Adding fresh flowers or a pop of color
- Brightening up rooms with lighting and mirrors
- Refreshing tired walls with a neutral coat of paint
Many real estate agents (including me!) offer staging consultations or access to professional stagers as part of their listing package—so you’re not in it alone.
Windermere Ready Program
Need help with staging, repairs, or cosmetic upgrades? Ask me about the Windermere Ready program. It allows sellers to prepare their home for the market with expert guidance and the option of upfront funding for home improvement projects—with no upfront cost. It’s a game-changer for sellers who want to maximize their home’s value.
Final Thoughts
In today’s visual-first world, staging isn’t just an added bonus—it’s a smart strategy. The goal is simple: make buyers fall in love with your home from the moment they see it. With the right staging, your property can stand out, sell quicker, and command top dollar.
Thinking of selling? Let’s chat about how staging can set your home up for success. Connect with me here.
Photo as staged by: SavvyNess Interiors, Design & Build
Don’t Let Student Loans Hold You Back from Homeownership
Did you know? According to a recent study, 72% of people with student loans think their debt will delay their ability to buy a home. Maybe you’re one of them and you’re wondering:
- Do you have to wait until you’ve paid off those loans before you can buy your first home?
- Or is it possible you could still qualify for a home loan even with that debt?
Having questions like these is normal, especially when you’re thinking about making such a big purchase. But you should know, you may be putting your homeownership goals on the backburner unnecessarily.
Can You Qualify for a Home Loan if You Have Student Loans?
In the simplest sense, what you want to know is can you still buy your first home if you have student debt. Here’s what Yahoo Finance says:
” . . . student loans don’t have to get in your way when it comes to becoming a homeowner. With the right approach and an understanding of how debt impacts your home-buying options, buying a house when you have student loans is possible.“
And the data backs this up. An annual report from the National Association of Realtors (NAR), shows that 32% of first-time buyers had student loan debt (see graph below):
While everyone’s situation is unique, your goal may be more doable than you realize. Plenty of people with student loans have been able to qualify for and buy a home. Let that reassure you that it is still possible, even as a first-time buyer. And just in case it’s helpful to know, the median student loan debt was $30,000. As an article from Chase says:
“It’s important to note that student loans usually don’t affect your ability to qualify for a mortgage any differently than other types of debt you have on your credit report, such as credit card debt and auto loans.”
If your income is steady and your overall finances are solid, homeownership can still be within reach. So, having student loans doesn’t necessarily mean you have to wait to buy a home.
Having student loans doesn’t mean buying a home is off the table. Before you count yourself out, talk to a lender to get a clearer picture of what you can afford and how close you are to taking the first step toward homeownership.
Are You Ignoring Your Biggest Financial Asset?
You probably check your bank account regularly—but when was the last time you checked on the equity in your home?
For many people, home equity is their largest financial asset, yet it gets far less attention than a checking or savings account. But here’s the truth: real estate is one of the most powerful tools for building long-term wealth.
Why Home Equity Matters
Home equity is the difference between what your home is worth and what you owe on it. As you pay down your mortgage and property values rise, your equity quietly grows—often faster than what you’ve saved in the bank.
If you’re a homeowner, that equity could be your ticket to financial flexibility: using a HELOC, refinancing, or even tapping into it during retirement without selling your home.
Thinking About the Future?
Buying a home early gives your equity more time to grow—and that can pay off big in the long run. While rent disappears every month, mortgage payments build ownership and value. Over time, your home becomes more than just where you live—it becomes a cornerstone of your financial security.
What Should You Do?
-
Get a home valuation to see how much equity you have
-
Explore your options like a HELOC, smart refinance, or downsizing
-
Start now if you haven’t purchased yet—the earlier, the better
Your bank account shows your balance today. Your home equity reflects your future potential.
Want to know what your home is worth or what your options might look like? Let’s talk.
Maximize Your Tax Refund: Invest in Your Future Through Real Estate
Maximize Your Tax Refund: Invest in Your Future Through Real Estate
Tax season often brings a pleasant surprise – a refund. As of February 7, 2025, the IRS reported an average refund amount of $2,065. That is an 18.6% increase from the previous year. Check out the details here.
If you’re contemplating how to make the most of this windfall, consider channeling it into real estate. Continue reading to discover several ways you can maximize your tax refund by investing in real estate.
Building Wealth Through Homeownership
Homeownership is a proven strategy for building wealth. Consider this, median sales price for all the Northwest MLS Housing Market (Washington State), rose to $640,000 in 2024. This is up 6.7% from the year prior. This positive increase reflects steady appreciation over the years.
By investing in property, you not only secure a place to call home but also position yourself to benefit from potential market gains.
Smart Ways to Utilize Your Tax Refund in Real Estate
Boost Your Down Payment
Saving for a down payment is often a significant hurdle for prospective homeowners. While the traditional 20% down payment offers benefits like avoiding private mortgage insurance, it’s not a strict requirement. If 20% seems unattainable you’re not alone. NerdWallet exposed that in 2023, first-time buyers typically put down 8% of the home’s purchase price.
Whether your goal is 20 or 8% your tax refund can bring you closer to this goal. The closer you are to your goal makes homeownership more attainable.
Cover Closing Costs
Closing costs encompass various fees, including loan origination, appraisal, and title insurance, typically ranging from 2% to 5% of the loan amount. For example, you would pay between $10,000 to $25,000 in closing costs in addition to the down payment on a $500,000 home loan.
Allocating your tax refund toward these expenses can ease the financial load at closing, allowing you to preserve other savings.
Purchase Mortgage Points
If current interest rates are a concern, consider using your refund to buy mortgage points. Each point, costing 1% of your loan amount, can reduce your interest rate, leading to substantial savings over time.
This upfront investment can lower your monthly payments and decrease the total interest paid over the life of the loan.
Make Extra Principal Payments
Applying additional funds directly to your mortgage principal can shorten your loan term and reduce the total interest paid. Even small extra payments can have a significant impact over time. Always consult with your lender to ensure there are no prepayment penalties.
Hot tip: Consider making an extra payment every year (perhaps your tax refund) and you could save thousands in interest over the course of the loan. For example, if your monthly mortgage payment is $3,000 and you making one extra payment a year it has the potential to save you $100,000 in interest and could cut 6 years off your mortgage.
Just imagine your future self, lounging in your dream home, sipping a cup of coffee, and thinking, “I’m glad I invested that tax refund wisely!” By making strategic decisions today, you can pave the way for a comfortable and secure tomorrow.
Partner with a Real Estate Professional
Embarking on the real estate journey can be complex. You don’t have to navigate it alone. A knowledgeable real estate agent can provide personalized advice, helping you make informed decisions that align with your financial goals. If you’re ready to explore your options, connect with me today. Let’s turn your tax refund into a steppingstone toward your dream home.
