Buying Steps 37-38: Getting Financially Ready

Got a surprise property tax bill? You may be able to appeal—but don’t wait. One homeowner called me two days before the deadline, and we built a successful appeal together. Check your 2025 valuation and email me “Tax Check” for a free review. It started with a Saturday night phone call. Frantic, a local homeowner reached out just days before the property tax appeal deadline. Their 2024 assessment had landed with a thud, forecasting a tax bill that felt wildly out of line with reality. The deadline to appeal? Monday, October 27th. Cue the scramble. That evening, too stormy to drive, I hunkered down at home and dove into the numbers. Something wasn’t right. The new valuation didn't match the trajectory of their neighborhood market. The math simply didn’t check out. Sunday morning, we got to work. I drove out to their property, and together we built a bulletproof appeal. We reviewed sales data, took updated photos, and pulled relevant comparables to submit with their documentation. The appeal package was ready to go by Monday morning. Crisis averted. Here’s what every Whatcom County homeowner should know: Your property valuation notice typically arrives in September. You have 30 days from the date on the notice to file an appeal. If the number looks off, don’t shrug and hope it’s close enough. You can challenge it—and often should, especially in fluctuating markets like Bellingham, Ferndale, and beyond. The key takeaway? Don’t wait until the last minute. It pays to be proactive. Assessments aren’t always accurate, and appealing your property valuation could save you thousands. If your 2025 valuation doesn’t reflect the true market value of your home, you have options—and you don’t have to figure them out alone. Let’s make sure you’re not overpaying. If your new valuation feels too high, DM me "Tax Check" and I’ll give you a free property value review. We’ll go over the numbers together and see if an appeal makes sense. Still have questions? Let’s meet for coffee and talk it through. I’m always happy to help you navigate the less-fun-but-super-important parts of homeownership.

🍂 This hearty vegetable lasagna is the perfect fall meal—warm, colorful, and packed with seasonal goodness. It’s a crowd-pleaser that feels just as good on a weeknight as it does at a fall gathering.

Quick Take: Bellingham’s 2025 housing market offers something refreshingly rare - balance. More listings, steady prices, and moderate competition are giving both buyers and downsizers room to breathe and act strategically. 

Looking to invest smartly or plan your next move in Whatcom County? Some local neighborhoods are showing impressive signs of growth, value retention, and strong rental potential making them ideal for long-term appreciation. Here’s a look at five communities worth keeping on your radar: 1. Roosevelt (Bellingham) With its central location, large lots, and ADU-friendly zoning, Roosevelt continues to attract buyers who want flexibility and walkable convenience. It’s a favorite among those seeking character and proximity to downtown. 2. Birch Bay This waterfront community is seeing major infrastructure upgrades and renewed interest as a vacation and investment hub. Its scenic shoreline and growing amenities make it a strong contender for long-term appreciation. 3. Ferndale (East Side) With newer developments, room to expand, and commuter-friendly access to I-5, East Ferndale offers both value and convenience. It’s an area where growth feels steady and sustainable. 4. Columbia (Bellingham) Known for its historic charm and tight-knit feel, Columbia holds its value remarkably well. Buyers love its tree-lined streets and classic homes — perfect for light renovations or long-term investment. 5. Sudden Valley An affordable entry point into lake life, Sudden Valley combines trails, community amenities, and access to Bellingham with room to grow. Its popularity among remote workers continues to rise. 📊 Want to See Data for Your Favorite Neighborhood? I can send you a custom report with market trends and appreciation forecasts tailored to your goals.

Hello Bellingham, This season, I’m thrilled to share a special partnership with Cranberry Sky Heirloom Rentals, a local gem that makes entertaining beautiful and stress-free. As a client of mine, you’re invited to enjoy an exclusive perk: ✨ Book any rental with CSHR (just a $25 minimum) and receive a complimentary Soup Buffet or Cocoa Station setup for up to 10 guests, complete with classic, mix-and-match dishes, mugs, serving pieces, and ladles. Everything you need (except the food and heat source) to wow your guests with ease. Perfect for: A cozy après-ski snack Fall harvest dinners & Friendsgiving Holiday parties (Christmas, New Year’s, Galentine’s) Or even a neighborly weekend get-together Event bookings are open October 1, 2025, through March 31, 2026. Upgrades and delivery options available. Because gathering should feel as good as home. 🏡' 

Hey Bellingham, Bellingham isn’t just a place to visit—it’s a place to live, savor, and explore. From seaside sunsets and cozy coffee shops to mossy forest trails and dog-friendly hangouts, our city has a rhythm all its own. I’ve rounded up my personal favorites in a free download: A Local’s Guide: My Top 10 Favorites in Bellingham. You’ll find hidden gems, local eats, and can’t-miss experiences that make this corner of Whatcom County feel like home. Whether you’re new to the area or just want to rediscover it through fresh eyes, this guide is your invitation to wander like a local. 📍 Download the guide now and start exploring the best of Bellingham. One latte, trail, and sunset at a time.

Hello Bellingham, LAST Chance: First-Time Homebuyer Class | 2-Night Event You’ve got one more chance this year on October 20 and October 21 from 6:00 pm - 8:30 pm to complete the two-night series at Movement Mortgage:2200 Rimland Dr, Suite #250, Bellingham, WA 98226. Why join us: Unlock up to $40,000 in down payment assistance through the Washington State Housing Finance Commission (eligibility applies; this class is required to qualify). Whatcom County market snapshot: what’s moving, what’s sitting, and why. Clear, step-by-step game plan: financing → offers → inspections → keys. Live Q&A with local pros. Bring your questions (we’ll translate the acronyms). Save your seat! Space is limited—these are our final classes of the year. P.S. Assistance programs have eligibility requirements and limited funds. We’ll walk you through the details so you know exactly where you stand.

Hello Bellingham, Being a landlord can be rewarding—but it’s not as simple as handing over the keys. From screening tenants and setting clear leases to handling maintenance and avoiding common pitfalls, a little strategy goes a long way. Whether you already own a rental or you’re just curious about investing, this quick read breaks down the essential do’s and don’ts every landlord should know. 👉 Read the full guide on Avail.

Hi Bellingham,  🍂 Get Autumnal in Whatcom County Hello Bellingham, From cozy corn mazes to picture-perfect pumpkin patches, fall is in full swing across Whatcom County. Discover the best spots for hayrides, cider sips, and pumpkin picking this season. 👉 See the full roundup on WhatcomTalk.