This week on another outdoor edition of the Happy Homeowner Podcast, Dan Keller and John Martinis talk summer chinook fishing.  Opening dates, type of gear, locations, trolling speed, set-ups, and additional strategies to help you put more fish in your boat!

Reach out to Dan Keller for more information on mortgages or buying a home - http://www.mymortgageguydan.com

Here's are the links of the gear we discussed that has proven to catch fish year in and year out!

I am excited to share a great conversation with you this week that will help you better understand homeowners insurance and what to do IF something bad happens, because it’s not a matter of IF, but WHEN..

 What do you do if your home floods or a tree falls through your roof? My guest this week is Luke Blankenship from Washington insurance Group. Luke and I walk you through the steps of what to do if you need to use your homeowner’s insurance. We run though a couple different scenarios, what to expect, and tips for making the process a little more seamless. 

 This is a helpful episode whether you are a current homeowner or future homeowner!

GUEST: 
Luke Blankenship, Insurance Broker with Washington Insurance Group

(425) 367-3202

www.mywaig.com

DSCR stands for Debt Service Coverage Ratio.  Think of this as an investor loan for both short (airbnb) and long term rentals. 

A little background on what a DSCR loan is:
The formula for the debt-service coverage ratio requires net operating income and the total debt servicing for the entity. Net operating income is a company's revenue minus certain operating expenses (COE), not including taxes and interest payments. It is often considered the equivalent of earnings before interest and tax (EBIT).

Can finance over 10 properties, 1-4 unit homes, and 5-8 unit properties as well.  
Loan amounts up to $2.5m.
Min 20% down required.
Credit scores as low as 620.

Reach out to me or Tracy Joy directly if you'd like more information on this great loan program!  

Dan Keller (mlo# 115349)
Mortgage Advisor
call/text: (425) 350-7136
dankellermtg@gmail.com

2023 is shaping up to look like a buyer's market in Seattle, especially and finally for first time homebuyers!  Today we bring you the Ultimate First Time Homebuyer's Guide to buying a home in 2023.

Our guest this month is Danny Greco.  Danny is a real estate agent with Keller Williams Realty in Seattle. He specializes in working w/ first time homebuyers and has a unique approach to guiding buyers through the home buying decision using current data, personal finance, and his experience to help educate his clients in any market!

Buckle up, this show is gonna be hot!

GUEST:
Danny Greco - 206-455-4649
www.dannygrecohomeswa.com

HOST:
Dan Keller, mortgage advisor (mlo# 115349)
(425) 350-7136
www.mymortgageguydan.com

If you are interested in more info on today's show, or would like to be featured on our podcast, reach out to Dan Keller at dankelelrmtg@gmail.com or 425-350-7136.

Today’s buyers haven’t disappeared, they are just quietly watching the market. They are more educated and attentive to value in price more than ever before. Today’s episode will fill you in one what they are looking at. 

Advice matters now more than ever. The media will tell you home values are dropping, but data shows King and Snohomish County both had a 6% increase in home values during May of 2022. Tune in to learn more about the market so you can make a smart decision when it comes to your money.