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How to Financially Prepare as a First-Time Home Buyer
While there are many steps in the home-buying process, it’s best to start by reviewing your finances, especially as a first-time home buyer. In fact, you should do this long before you start looking at homes. While diving into your finances can feel daunting, our partner at Penrith Home Loans is here to help. Cherie Kesti is a Branch Manager and Mortgage Consultant who also happens to be a Kitsap County local. With more than 20 years of experience working in the home financing industry, she was happy to answer these common questions from first-time home buyers.
What are the top things lenders consider when working with a first-time home buyer?
There are a lot of things we look for when qualifying a first-time home buyer, but four key areas are:
- Job security: Having a minimum two-year history is ideal.
- Other income sources: This includes other sources such as social security, alimony, child support, disability, retirement, and pensions. For these types of income, lenders must confirm that the money will continue being received at least 36 months post-closing.
- Credit history and monthly debt load: Having a good credit score is an indicator of your overall financial health. If yours is low, it’s important to take steps to improve your credit score before applying for a loan. Also, the amount of outstanding debt directly affects how large a loan a buyer qualifies for. If you’re able to pay down your debt, that’s ideal before qualifying for a loan.
- Assets: Some loans require a minimum amount of assets in liquid accounts such as checking, savings, and money market accounts or in brokerage, retirement, and stocks. Borrowed funds are not considered an acceptable source of funds for a home loan unless those funds are secured by an asset such as a vehicle, or property.
Is buying a home still achievable in today’s market?
Many young adults think that they may never be able to buy a home. There is so much discouraging information in the media. However, they become more optimistic after learning that there are a variety of lending strategies and programs available to help first-time home buyers. This includes programs that allow a small down payment and gift funds from a family member to be used as a down payment. There is also down payment assistance available and the possibility of negotiating a seller-paid mortgage-rate buydown to lower interest rates. All these options help with affordability and make buying a home more achievable.
Are interest rates too high right now to buy a home?
Don’t let interest rates discourage you from purchasing a home. Buying your home at today’s value, combined with the potential opportunity to refinance in the future, may be in your best financial interest. As we say in real estate, marry the house, date the rate. If you wait to buy, most likely, the home’s value will continue to increase. This requires a larger loan regardless of the interest rate. If you buy now with a lower home value, you will have a smaller loan. With refinancing, this means a smaller monthly payment in the future.
Do I need to have a large down payment to buy a home?
If you’re saving up to buy your first home, you may be relieved to know that for most buyers, low down payment options are still available. This includes the following options:
- 0 down: The Veterans Administration and the U.S. Department of Agriculture both offer a zero-down loan program for individuals and/or properties that meet their criteria. Sometimes, loans require little or no cash out of pocket. Some down payment assistance programs also give buyers a chance to purchase with minimal down payment.
- 3.5% down: The Federal Housing Administration loan program allows as little as 3.5% down. This program is also more lenient than others on minimum credit score requirements and other factors.
- 5% down: Fannie Mae/Freddie Mac conventional loans are available with down payments as low as 3%. The minimum on these programs can change depending on factors such as property type, credit score, and occupancy. Conventional financing is now allowing as little as 5% down payment on a multi-family/2-4 family home, which will allow homeowners to occupy one unit and rent out the other units as cash flow, which offsets the expense of their monthly mortgage payment.
If you have additional questions about finances as a first-time home buyer, contact Cherie Kesti or one of our Windermere Kingston Brokers. We also have other great resources to help you, including our home-buying guide and what to examine when touring a home. Best wishes on your home-buying journey!
Great Home Improvement Products You Can Buy in Kitsap
Kitsap County is home to many wonderful businesses that can help you with interior design, home upgrades, and more. Shopping locally ensures your money supports the local economy. So, we created a list of some great local options to assist with your next home improvement project.
Enhance Your Kitchen With These Products
If you’re ready to update your kitchen, enhancing its functionality and style, head to Henery Hardware. Founded in 2003, Henery Hardware has four locations in Washington. Luckily for us, one of their stores is right here in Kingston. This locally-operated store has an array of products. We love their smart tiles for that perfect kitchen backsplash. Want to make a small change that will really update your kitchen’s overall look? Consider replacing your cabinet hardware. This store carries many different options. You’ll find trendy kitchen hardware, such as this Golden Champagne Cabinet Knob as well as classic options, such as this Matte Black T Cabinet Knob.
Revamp Your Walls
Abnormals Anonymous sells wallpaper that can update a room’s look instantly. Check out these beautiful wallpapers and textiles designed by local creators from Bainbridge Island. Their wallpaper has even been used to decorate Poulsbo’s Hotel Scandi. The Planet Chillin design would be so fun in a child’s bedroom. The Flashdance design would work perfectly as an accent wall in an entryway. The options are endless.
Bright Ideas for Home Improvement
If you’re ready to elevate the lighting in your home, check out Grain on Bainbridge Island. This family-owned business strives to converge design and sustainability. Their American-made products are predominately manufactured on Bainbridge Island. The small batch or made-to-order production allows buyers to customize products as well. Check out this unique Drift Bump Sconce and the Circlet Battuto Pendant. Both products are unique and stunning as sold, but Grain also offers the ability to customize them for your home improvement needs.
Additionally, we love lighting options like these sleek lamps by Regina Andrews. They can be found at Furnish Bainbridge, which features a variety of home furnishings. Furnish Bainbridge also offers in-home design consultants, and their staff is well-connected to local woodworkers, upholsterers, and artists.
Use Local Experts to Boost Your Home’s Curb Appeal
Want to elevate your home’s outdoor area? You can increase your home’s curb appeal in a variety of ways, and something like a new stone pathway can make quite a difference. Check out local companies like Morrison Gravel. This family-owned company, based in Port Orchard, has been in operation since 1946. They’re highly rated and offer a variety of landscape products for your outdoor home improvement projects. Check out their photo gallery of completed projects. Whether constructing a patio, displaying a water feature, or putting up a retaining wall, they’re a great local resource.
If you’d love to have your front or backyard professionally landscaped, Olmsted’s Nursery is a local favorite located in Poulsbo. Olmsted’s offers landscape design and installation and their team has over 35 years of experience. The owners, Sean and Veronica Olmsted, are passionate about gardening, landscaping, and supporting local nonprofits. They have everything from indoor planters to interesting metal garden sculptures, and great seasonal sales.
Wherever your home improvement projects take you, we hope you’re able to shop locally for at least some of the items you need. Kitsap County is filled with friendly, knowledgeable business owners whose products and services can improve our homes and enrich our community.
11 New Businesses to Visit in North Kitsap
Want to check out some new local businesses but don’t know where to start? Whether you are a lifetime local or new to the area, we’ve compiled a list of some recently opened businesses in Kingston, Poulsbo, and Bainbridge Island. We’re excited about these new places to grab a bite to eat, enjoy a glass of wine, or find a unique gift.
Food and Beverages
Two popular pop-up food vendors recently found brick-and-mortar space in downtown Kingston, a win for both their longtime followers and the community at large.
The Saucy Sailor, a family-owned eatery, features a menu full of comfort foods described as “British Fusion” – cottage pie, chicken curry, meatball stroganoff, BBQ pulled pork, and more. Meals are served with mashed potatoes or rice and salad. Their walkup window provides quick service or, as they say, “gourmet right away”. They have outdoor seating or you can grab it to enjoy on the ferry or at home.
Seasonal Hours: Sunday, Monday, Thursday 11:00 AM to 6:00 PM, Friday & Saturday 11:00 AM to 7:00 PM
In January, Argensol Kitchen celebrated 3 years of pop-up vending and catering in North Kitsap and then they moved into a permanent restaurant space in Kingston. They’re next door to the Greater Kingston Chamber of Commerce. Argensol specializes in Argentinian cuisine. They have delicious entrees like empanadas, chimichurri fries, and potato bombs. Also, if you have a sweet tooth, be sure to try their popular Alfajores, a shortbread cookie sandwich.
Seasonal Hours: Friday & Saturday 11:00 AM to 7:00 PM, Sunday 11:00 AM to 4:00 PM
In downtown Poulsbo, you’ll find the recently opened Vinland Marketplace. It’s a sister establishment to Viking Brew Coffee. Vinland offers grab-and-go foods, baked items, a selection of local and global gifts, and of course, coffee and other beverages. Located in Historic Downtown Poulsbo, Vinland Marketplace is a great spot to watch a sporting event on their large TVs or cozy up with a cup of coffee in an overstuffed chair.
Hours: Daily from 8:00 AM to 4:00 PM
Shopping and Gifts
The Flower Box, which is in the heart of downtown Kingston, has many cute gift items, curated gift boxes, floral arrangements, and flowers for specialty events like weddings and school dances. The owners are three best friends who grew up in the Kingston area and they opened the shop this past spring.
Hours: Tuesday – Saturday, 11:00 AM to 5:00 PM
Also co-owned by friends, Saltwater Bookshop has a delightful selection of books for readers of all ages. You’ll find various genres, including fun, PNW-themed books. Though Saltwater Bookshop is new, they’ve already had famous authors stop by, like bestselling author Kristin Hannah and Newbery Medalist Donna Barba Higuera. Follow Saltwater Bookshop on Facebook and Instagram to stay “in the know” about author visits and signed copies. Additionally, this bookshop sells bookish goodies and entertaining items like mugs depicting a car that missed the ferry (by Jen Colburn Design).
Hours: Tuesday – Friday 10:00 AM to 5:00 PM, Saturday 9:00 AM to 3:00 PM, Sunday 10:00 AM to 3:00 PM
Worth the trip to Bainbridge Island, Wilder Grace is a lovely boutique with brands like Marine Layer and Free People. You’ll find an assortment of both trendy and timeless items as well as accessories and gifts. It’s a wonderful addition to the already vibrant Downtown Bainbridge business community.
Hours: Daily from 10:00 AM to 6:00 PM
Home and Garden
Located on State Highway 104 in Kingston, Salish Trees Nursery cultivates a wide variety of Pacific Northwest native trees, shrubs, and perennials. Why native plants? As their website explains: “Coast Salish tribes have deep knowledge and appreciation of native plant species and used native plants extensively as food sources, medicines, tools, shelter, transportation, and artwork”. Native plants are healthier for the local ecosystem and will thrive in our climate. Also, they are important to local fauna and the bees. Consider them for your next landscaping project.
Hours: Thursday – Saturday, 10:00 AM to 5:00 PM
You’ll find Storie Home & Garden on the same property as Salish Trees. Storie features new and vintage furniture, accessories, garden and home items, as well as original art pieces. This new business brings unique and one-of-a-kind pieces together, creating a home decor heaven with a tranquil garden atmosphere.
Hours: Thursday – Saturday, 10:00 AM to 5:00 PM
New Wine Spots in North Kitsap
Cellar Cat is a thoughtfully curated place for wine aficionados or those who simply want a good glass of wine. While the owners developed this business back in 2001, they just found their new home here in Kingston and opened their doors in August. Cellar Cat has wine, local beer and cider, snacks, and a selection of gifts. Their space is 21+ and it is dog-friendly. They’re currently working to expand their offerings to include a full wine bar and live jazz music.
Hours: Thursday – Monday, 1:00 PM to 7:00 PM (subject to change)
Preservation Natural Wines is a bottle shop located off Bond Road in Kingston. They sell a variety of organic, vegan, and biodynamic wines with no additives. Originally a bottle shop with curbside pickup, local delivery, and regional shipping, their tasting room opened on September 15th for tasting flights. Follow them on Instagram for more announcements.
Hours: Monday – Wednesday 11:00 AM to 6:00 PM, Thursday & Friday 11:00 AM – 8:00 PM, Saturday 12:00 PM – 8:00 PM
Another recent addition to the wine scene in North Kitsap, Hard Hat Winery offers wine tastings, flights, and wines by the glass or bottle. This winery has been bottling wine since 2018 but recently opened its tasting room. Hard Hat Winery is located off Highway 3 between Poulsbo and the Hood Canal Bridge. Founded by two former Navy divers, their motto is “A Wine You Can Dive Into”. Their bottle art features nautical images like divers and mermaids. Check out their events page to learn about upcoming live music.
Hours: Wednesday – Sunday, 1:00 PM to 8:00 PM
If you’re looking for additional information about our area, check out our free digital guide to Kitsap County. It has all kinds of helpful information about schools, outdoor activities, coworking spaces, and much more.
What to Know When Selling Your Home
Selling your home can be a complex process. Even just thinking of selling may feel overwhelming. But with proper preparation, you can streamline the process to achieve the best possible outcome. Here are some essential insights and tips to help you get started.
Setting the Stage for Success
Before you put your home on the market, it’s crucial to make it as appealing as possible to potential buyers. Have a local agent conduct a free Comparative Market Analysis. By doing so, you can see how your home compares to others in your neighborhood and in your region (like Western WA). You’ll also be able to discuss repairs and possible upgrades or renovations that would increase your home’s listing price.
Additionally, you should analyze your home’s exterior at a glance. Your home’s curb appeal can easily be boosted with a bit of yard work, window washing, power washing, and/or re-painting the exterior. First impressions are everything, especially since the majority of home buyers view homes online first. So, those professional photos are key. Your agent should have a great photographer, but nothing takes the place of properly preparing your home for the market.
Decluttering and staging are also crucial to success. Even partially staging your home can help. Buyers should be able to easily imagine what it would be like to live there. While we completely understand filling your home with mementos, when it’s time to sell, your home should actually be de-personalized. Give buyers the space to put themselves in your home. Staging can also help enhance your home and draw buyers’ attention to certain features. A pop of color can help Buyers may notice a beautiful bay window thanks to a pop of color. A carefully crafted living room will feel more bright and spacious.
A Pre-Listing Inspection
A pre-listing inspection can increase efficiency and transparency with potential buyers. By presenting a pre-listing inspection up front, buyers will be able to really understand a home’s condition and see that you have nothing to hide. This increases buyer trust and can eliminate the need for a buyer’s inspection.
Assistance with Repairs/Upgrades
Want to make repairs and upgrades before selling your home but don’t have the means to do it all? Consider the Windermere Ready Program. This program allows you access equity in the home before you sell it so that you can cover home improvement costs. One of our Windermere agents will help strategically prepare your home by identifying high-impact updates and they will help you through the entire process.
Pricing it Right
Determining the proper price for your home is a strategic decision that should be backed by local market research. Having a great local agent makes a huge difference. The last thing you want is for your home to be priced incorrectly. Again, we highly suggest having your agent do a free Comparative Market Analysis or CMA.
Here in Kitsap County, we have an interesting real estate market. So, it really pays off to work with someone who possesses local expertise and has a solid network. While there are great agents in many cities, if you don’t work with someone local, they may not know the local market well enough. This could lead to them overpricing or underpricing your home, and it would come into play when a buyer’s lender requires an appraisal to determine the value of your home.
Marketing Your Home
When you’re ready to list your home, effective marketing goes a long way. Our agents ensure your home is listed in the Northwest MLS with excellent professional photos and captivating descriptions. Your listing will be widely circulated across the internet on various listing websites as well as in print and on social media. Additionally, we market our premier properties through exclusive print and digital outlets. Our agents also have an in-house digital marketing team available to develop additional marketing strategies involving email and social media marketing campaigns.
Navigating Offers and Negotiating Terms
Receiving offers can be exciting. Sometimes they may come with unforeseen challenges. Your agent will be able to help you review offers. They will also discuss contingencies and develop strategies for negotiating counteroffers, and help you navigate multiple offers if that happens.
The Escrow and Closing Process
Once you’ve accepted an offer, the sale enters the escrow and closing phase. Home inspections, appraisals, and potential issues may arise. But if you have a great agent, this process will go more smoothly. It’s important to be aware of how selling your home may impact your taxes. As you prepare to move, your agent should be able to help you with a list of great local vendors such as moving companies and cleaners.
Successfully selling your home involves careful planning, effective communication, and informed decision-making. By following this comprehensive guide, you’ll be better equipped. And remember, each step you take brings you closer to achieving your real estate goals.
Kitsap Market News & Insights
While Kitsap County’s housing market isn’t seeing the intense engagement it saw at the height of the pandemic, it has been heating up this summer. We are seeing a shift toward a more balanced market, but the average home sale price still remains high at $694K, just a 1.6% drop from this same time last year. Our Brokers are still working with eager buyers and satisfied sellers, but there aren’t as many multiple-offer situations.
Matthew Gardner, Windermere’s Chief Economist, recently released his latest “Monday with Matthew” video. In it, he evaluates his 2023 real estate predictions. Have they come to fruition? Will these predictions come true in the second half of the year? Watch his video and keep reading for key takeaways.
Key Takeaways from Gardner’s Mid-Year Update
Gardner believes that interest rates will be less frantic in the second part of the year, but will likely still not drop below 6%. Also, he points out that according to his calculation, 20 million homeowners have mortgage rates around 3%, making it unlikely they will move. Known as the lock-in effect, the higher interest rates are disincentivizing some sellers from listing their homes.
Gardner states that “affordability has not improved,” since financing and home costs are not aligning with incomes. Noting that each market varies across the country, he predicted that it will generally stay a seller’s market through the rest of 2023.
Advice for Homebuyers in Kitsap County
What does this mean for buyers looking at homes for sale in Kitsap County? As always, it’s important to connect with a knowledgeable, local Realtor so that you can make data-informed decisions with an expert negotiator and guide. Also, it’s important to analyze the market and your current situation. So, consider these factors when deciding whether to buy a house now or wait. Each person’s financial picture and goals for owning a home are unique.
Advice for Sellers in Kitsap County
If you are thinking of selling your home here in Kitsap County, a local real estate expert will ensure that your home is thoughtfully and strategically prepared for the market. Also, they can conduct a Comparative Market Analysis (CMA). This report compares your home to other homes in the area that have recently sold and are similar in terms of size, property, and condition. A CMA will help you better understand your local market, the demand for homes like yours, and how to properly price your home. It’s also important to discuss repairs or potential home upgrades so you can sell your home for the highest price point possible in the ideal timeframe. If you’re concerned about the cost of home repairs and getting your home ready to sell, consider the Windermere Ready Program. This program allows you to access the equity in your home to cover improvement costs, and we’ve seen many sellers achieve success through this program.
From Coffee to Culture: A Perfect Day in Port Townsend
Nestled on the northeastern tip of Washington’s Olympic Peninsula, Port Townsend is a picturesque coastal town that exudes charm. Known for its Victorian architecture, rich maritime history, and natural beauty, “PT” has an array of attractions, and it’s only about an hour from Kingston. Here are some of its must-visit places.
Local History
Start your day by immersing yourself in history and elegance at the Manresa Castle Hotel. This stunning 19th-century castle, now a hotel, boasts magnificent views, uniquely decorated rooms, and manicured gardens.
Another local gem with fascinating history is Fort Worden State Park. A historic military base, Fort Worden is now a sprawling parkland with over 430 acres to explore and campsites to enjoy. Wander through its barracks and bunkers, and stop to appreciate the beautiful vistas of the Strait of Juan de Fuca. Don’t miss the iconic Point Wilson Lighthouse, which has guided ships through the treacherous waters of the Strait of Juan de Fuca since 1879. Please note that a Discover Pass is needed to visit a campsite, in the beach area, and at the main trailheads for day-use parking.
If you’re a maritime lover, dive into Port Townsend’s maritime heritage at the Northwest Maritime Center. This educational facility showcases the region’s seafaring traditions through exhibits, workshops, and events. Get hands-on with interactive displays, learn about wooden boat building, or even sign up for a sailing lesson to experience the joys of the open water.
Immerse yourself in the town’s history at the Jefferson County Historical Society and Museum. Housed in the historic city hall building, this museum has exhibits that depict the area’s Native American heritage, early European settlement, and maritime history.
Beautiful Parks
Located on the waterfront, Pope Marine Park is home to the historic Northwest Schooner Society and features beautifully restored boats. There’s also a great little playground right there by the water if you’re visiting with young children.
Take a walk up the hill from the main downtown area to visit Chetzemoka Park. It’s a lush green space with mountain and water views. Explore the park’s gardens, enjoy a picnic, or simply relax while watching boats sail by.
Cafes and Treats
For an excellent cup of coffee, head to Velocity. This popular coffee shop has skilled baristas who will craft your drink with precision and care. The café also offers a selection of delectable pastries, and it’s right next to the interesting Wooden Boat Chandlery. Another fantastic option downtown is Better Living Through Coffee. Whether you’re a fan of pour-over coffee or a velvety flat white, they have you covered. They also have tasty homemade soups, quiches, and more. And, you’ll love their picturesque ocean view.
Indulge your sweet tooth at Elevated Ice Cream. This beloved ice cream parlor offers a wide range of flavors, from classics like chocolate to unique creations like lavender. Additionally, Elevated Ice Cream has a wonderful back patio on the waterfront.
Photo by Leo Phillips.
Unique Shops and Attractions
There are many interesting shops and art galleries in Port Townsend. In fact, you could easily spend the entire day shopping. Abracadabra is a whimsical shop featuring an eclectic collection of books, unique jewelry, funny socks, and so much more. Other unique shops include Mad Hatter for great hats and accessories and The Spice & Tea Exchange for loose-leaf teas and gourmet spice blends. Venture beneath the streets of downtown Port Townsend to check out the underground shops. Each one has its own distinctive character.
Photo by Leo Phillips.
Relaxing Activities
If you’re looking to truly relax in Port Townsend, treat yourself to a blissful soak at Soak on the Sound. This tranquil spa offers private salt-water soaking tubs and saunas so you can really unwind.
Another option is to take a stroll from North Beach Park to Glass Beach. Along this scenic trail, you’ll encounter driftwood-strewn shores and the opportunity to collect colorful sea glass on Glass Beach. Listen to the waves crashing against the shore and breathe in the fresh ocean air.
Arts and Festivals
Immerse yourself in the vibrant arts scene of Port Townsend by exploring the Port Townsend Creative District. This district is home to numerous galleries, studios, and creative spaces where local artists showcase their talents. Admire the diverse artwork on display, including paintings, sculptures, ceramics, and more.
Depending on when you visit Port Towsend, you may be able to experience one of their fun festivals. For example, the annual Rhododendron Festival is held each May and features a grand parade, live entertainment, and a variety of community events. In July and August, the waterfront offers live music at Concerts on the Dock. Held annually in September since 1978, the Wooden Boat Festival is an internationally renowned festival that celebrates the art of wooden boat building and restoration. Marvel at the stunning vessels on display, watch skilled craftsmen at work, and participate in hands-on activities, workshops, and more.
Dining and Nightlife
Whether you’re craving seafood or want something you can easily enjoy on the go, Port Townsend has many great restaurants to choose from. And, their nightlife includes fun pubs and live music.
If you’re a sushi lover, Ichikawa Sushi Bar is a must-visit. They have expertly crafted sushi rolls, sashimi, and traditional Japanese dishes. For a delectable lunch with a focus on local and seasonal ingredients, look no further than Silverwater Cafe. If you love Thai food, we recommend Khu Larb Thai. From aromatic curries to the classic Pad Thai, there’s something for everyone. For fine dining, Finistère offers a culinary journey of Pacific Northwest flavors with a French flare. This highly-rated restaurant has been praised by The Seattle Times.
When it comes to nightlife, there are many places that host talented local musicians and bands. And, there is no shortage of options for craft beers and fine wines. For a laid-back and inviting ambiance, head to Pourhouse, a popular establishment known for its local brews and excellent beachfront location. For a lively evening, head to Sirens Pub. They have an impressive selection of beers on tap, signature cocktails, and live music performances. The In Between is a cozy bar and eatery that offers a casual atmosphere and a diverse menu. Or, Uptown Pub & Grill is another great spot where you can join in on one of their trivia nights, karaoke, open mic, or hear some great live music.
Wherever you decide to spend the day when visiting Port Townsend, we hope you have a wonderful time. If you’re looking for other PNW day trips or nearby getaways, check out peaceful Port Ludlow.
A Day in Port Ludlow: Fun Things to Do
Looking for fun things to do for a day trip or a weekend getaway? Look no further than Port Ludlow, WA. The quaint, idyllic town sits tucked away in Ludlow Bay. Upon approaching the small town, you can instantly sense its charm. A quick drive for many, it whisks you away to a place of relaxation with amazing food and drinks, and great outdoor activities.
Port Ludlow Resort
Located centrally next to the marina and golf club, this resort is well known for its beauty and tranquil atmosphere. Along with the accommodations, guests can enjoy the waterfront. The grounds have a beach trail for a leisurely stroll. The hotel also offers e-bike rentals for those looking to explore Port Ludlow on two wheels.
The Fireside Restaurant
Need to take a break to refuel or looking for a hearty meal after a full day? The Fireside Restaurant at the resort offers a fine dining experience with phenomenal views of Ludlow Bay. With a focus on the farm-to-table experience, the menu strives to reflect local and in-season produce options. Furthermore, Fireside Restaurant has received wide recognition for its wine program.
Port Ludlow Golf Club
The Port Ludlow Golf Club was designed by Golf Course Architect, Robert Muir Graves. Thoughtfully planned, the course is meant to appeal to all ability levels. In addition, players get to enjoy the surrounding water and mountain scenery. Check out their website for available tee times, golf lessons, tournaments, and group events.
Port Ludlow Marina
The Port Ludlow Marina offers a wide variety of water activities. First and foremost, boaters can use their guest moorage for day trips or overnight stays with shower and restroom accommodations. The marina also offers boat rentals for those looking to fish, crab, or relax out on the water, along with a fuel depot. In addition, they offer kayak and SUP (Stand Up Paddleboard) rentals, along with barbeque pavilions and group activity spaces. If getting on the water is what you desire, then this is the perfect place to go.
Port Ludlow Bay Massage & Wellness Spa
To keep the vacation vibe going, there’s no better way to decompress than at a spa. The Port Ludlow Bay Massage & Wellness Spa is located five minutes away from the resort. It offers massage therapy, skincare, and beauty treatments. It was also named the best spa in Jefferson County by the Peninsula Daily News in 2021.
Ludlow Falls Interpretive Trail
Open all year long, the Ludlow Falls Interpretive Trail is a perfect hike for all ability levels. It’s less than a mile long and has less than a 100-foot elevation gain. It’s a kid-friendly and dog-friendly hike that truly maximizes viewing waterfalls at multiple points along the hike. This hike is sure to be a memorable experience for all.
Fun Things to Do Within 20 Minutes of Port Ludlow
If your trip to Port Ludlow is leaning more towards a long weekend or you’re looking for camping accommodations, check out these other nearby activities.
Lake Leland Park Campground
The Lake Leland Park Campground is a quick 20-minute drive from Port Ludlow in Quilcine, WA. It boasts year-long fishing and a boat ramp. The campgrounds are available on a first-come, first-served basis. If you love to kayak, swim or SUP, the lake is also a popular spot for water sports.
Finnriver Cidery
Just 15 minutes from Port Ludlow Resort, Finnriver Cidery boasts a serene orchard setting in conjunction with its delicious ciders. The cidery is family-friendly, and you can often enjoy live music, great food like wood-fired pizza, cider tastings, and tours of the grounds. Finnriver’s farm and orchard are Certified Organic and Salmon Safe. Check out their events calendar to stay up-to-date on all the activities taking place.
Marrowstone Vineyards
A quick 20-minute drive from Port Ludlow Resort, Marrowstone Vineyards is a family-owned, boutique winery. It is a family-friendly and pet-friendly winery that has sweeping views of Puget Sound. It’s the perfect spot to bring a picnic while enjoying local wine. From June through September on Friday and Saturday nights, they host live music.
A weekend or a day trip to Port Ludlow and the surrounding area offers something for everyone. No matter what you decide to do, the fantastic views and natural scenery will make you feel like you’ve traveled far away, yet all you need to do is take a short, beautiful drive to experience it all.
Should You Buy a House Now or Wait?
Many are wondering if they should buy a house now or wait. The answer is more complex than some may think. Whether you’re a first-time homebuyer, an experienced buyer, or looking for an investment property, consider the factors below.
Understand Your Market
Local real estate trends vary across the country. To better understand our local market, watch our “Market Update” video below, which includes stats for Kitsap County’s first quarter. The average home sale price is $599,000, and that’s a slight decrease of 1.2% when comparing home sale prices in 2022’s first quarter.
Windermere Kingston’s Manager, Jeanette Paulus, says, “The spring market is a great time to start looking at homes with the new listings popping up on the market.” Greater inventory could mean a shift in the real estate market.
Factor in Your Mortgage Rate
A qualified lender will be able to work with you to pre-approve you for a mortgage. Look carefully at the lender’s proposal and terms. It’s okay to get quotes from multiple different lenders before deciding on which loan to pursue.
Most homebuyers choose a 15-year or 30-year conventional mortgage. However, mortgages come in all shapes and sizes. There are first-time homebuyer programs, VA loans, and other loan programs available. Here at Windermere, we’re proud of our partnership with Penrith Loans, and Mortgage Consultant, Cherie Kesti is a great local resource. The popular real estate saying, “you marry the home but date the rate” is important to consider. Rates do change, as we’ve really seen in the last few years. So if you’re financially ready to buy and the timing is right for you personally, you can refinance down the road. As Windermere’s Chief Economist, Matthew Gardner, says, “Education is everything.” To learn more, check out his latest video on mortgage rate predictions and misconceptions.
Examine Ways to Pay Less Interest on Your Mortgage
With today’s mortgage rates, buyers are getting creative with ways to minimize their overall interest payments. Coming up with a larger down payment has its pros and cons, but it will minimize the overall interest paid on a loan.
There is also the option to do a temporary or permanent mortgage buydown. In addition, doing biweekly payments on a mortgage can significantly decrease the amount of interest paid over the life of the loan. Windermere’s home monthly payment calculator is a great tool for potential homebuyers to preview monthly payments. Crunching the numbers may help you realize whether now is or is not a good time to buy a home.
Consider Closing Fees and Other Upfront Costs
When deciding if you really want to buy a home now or wait, don’t forget to factor in all the upfront, associated costs. It is important to factor in the funds needed for insurance, down payments, and closing fees. In addition, if the sale goes through, you may have to suddenly repair or replace things like home appliances. Make sure you have a cushion if you decide to buy now. Everyone’s financial situation is different, and you don’t want eagerness or other emotions to cloud your judgment. Buying a home is often the biggest purchase that people make, so thinking about it from every angle first is crucial.
Determine Personal Cash Flow and How Long You Will Keep the Property
Knowing your personal budget and future goals will be essential for deciding if now is the right time to buy a home. For example, considering whether to buy an investment property will largely depend on your local rental market, your ability to manage the property or hire a property manager, and the property’s ability to generate passive income.
Similarly, a family who plans to stay in a home until the children are in college may be in a very different situation than a family who typically moves every two or three years for a job. Additionally, it’s important to think about how long you will have the property to avoid capital gains taxes if you plan on selling within two years.
If you’ve decided you’re ready to buy a home, check out our top home-buying tips. Windermere Kingston’s team of highly rated, local agents would be happy to guide you through the process.
Unique 30-Minute Meals
In today’s fast-paced world, cooking a delicious meal in a short amount of time can be a challenge. So we’re here to provide some quick and easy recipes that are both flavorful and satisfying. These meals are perfect for busy weeknights or when you simply don’t feel like spending hours in the kitchen. Let’s dive in and discover some exciting recipes that can be whipped up in just 30 minutes!
Baked Eggplant Parmesan
Gluten-Free, Vegetarian
This classic Italian favorite is made without gluten-containing ingredients. It features breaded eggplant slices, tomato sauce, and mozzarella cheese. The recipe is easy to follow and results in a satisfying vegetarian meal – all thanks to Nicole Hunn whose “Gluten-Free on a Shoestring” blog has been featured in the New York Times.
Chilli Beef Lettuce Wraps
Lettuce wraps are a popular dish in many cuisines, and if you’re a fan of red meat, we highly recommend trying these Chilli Beef Lettuce Wraps. These wraps are perfect for a light dinner, a snack, or even as an appetizer. To add a bit more substance to the meal, pair these lettuce wraps with rice and beans and/or some chips and guacamole. If you’re a fan of demonstrations, watch chef Gordon Ramsay prepare this meal.
Mediterranean Pitas
Vegetarian Option
Mediterranean pitas are a flavorful, healthy dinner option using fresh vegetables, a good source of protein, and a pita pocket. This recipe comes to you from local favorite Spiva Cooking, which is based in Bremerton. Sam Spiva developed this recipe using whatever leftover meat you have on hand (like thinly sliced lamb), and a zesty Mediterranean Rub. For vegetarians, you can use roasted chickpeas instead.
Mushroom Chicken
In just twenty minutes, you can have this delightful entree on the table. This recipe is brought to you by bestselling cookbook author Suzy Karadsheh and combines tender chicken breasts with a savory, dairy-free mushroom sauce. Oftentimes, meals with mushroom sauces are heavy and cream-based, but this one provides the same rich flavor without any cream. This recipe is also great for beginners and pairs well with a nice garden salad or grilled vegetables.
Sheet Pan Parmesan Shrimp and Veggies
Vegetarian Option
This easy-to-make shrimp dish, from Italian chef Giada De Laurentiis, provides a healthy meal in minutes without a lot of dishes to clean up. It’s a great weeknight recipe that can easily be altered to fit different palates. Try swapping some of the different vegetables in the recipe for others or add some extra spice. Have vegetarians in the family? No problem. Simply omit the shrimp. Once you try this recipe, you’ll see there are many ways you can enjoy it.
Shepherd’s Pie
Looking for comfort food on a rainy evening but don’t have a lot of time? Try out this tasty 30-minute meal. A British invention, shepherd’s pie uses potatoes, lamb, beef, and veggies. Rachael Ray’s recipe is easy to make and provides a filling dinner for you and your family.
Shrimp and Mango Tostadas
Gluten and Dairy Free
Tostadas are a delicious and easy-to-make Mexican dish that’s perfect for a regular weeknight or a special occasion. The Siete Table’s recipe for tostadas includes crispy, gluten-free tortillas topped with their vegan refried black beans, avocados, shrimp, habanero sauce, and fresh mango. Kids love crispy tortillas and they can even help you put them together. Who doesn’t love interesting kid-friendly meals? You can easily leave out the spicy sauce, add some sauteed peppers for extra nutrients, or get even more creative with your toppings. And, we’re happy to report that Siete Family Foods‘ products can be found in Town & Country Markets in Poulsbo and Bainbridge Island.
If you’re looking for more cooking inspiration, check out these summer dinner party recipes.
Bundle Up & Enjoy These Outdoor Winter Activities in the PNW
Just because it’s winter in the Pacific Northwest, does not mean you have to stay cooped up inside. Bundle up and explore our area! Here are some fun outdoor winter activities in Kitsap County and beyond!
Chilly Hilly Bike Ride on Bainbridge Island
This late February event has been an annual tradition for over 50 years. More than 2,000 cyclists go on a 33-mile ride around Bainbridge Island. Participants come from all over to tackle two challenges: a climb of over 2,000 feet and the icy winter weather here in the Pacific Northwest. Also, entrance fees support Cascade Bicycle Club’s mission to make Washington a better place for people riding bikes. So, participants are supporting local nonprofits while getting great exercise.
Cost: $40+
Follow Cascade Bicycle Club’s website for more information about this event.
Hurricane Ridge Ski and Snowboard Area in the Olympic National Park
While many people flock to the Olympic National Park in the summer, Hurricane Ridge is also a great place to visit in the winter. One of only two remaining lift operations in the National Parks, it offers a variety of winter recreation areas with scenic views. And, this small, family-friendly-oriented operation provides high-quality winter sports at a lower cost.
Cost: $24+ | Open: Saturdays, Sundays, and on Monday holidays
Lake Chelan Winterfest in Chelan and Manson
Both downtown Chelan and downtown Manson are home to Washington’s winter wonderland. With sprawling views of snow-capped hilltops and glacier-fed waters, Winterfest is sure to please. It includes intricate ice sculptures, fireworks shows, live music, and more. Also, there are many winter play activities in the area so that both kids and adults can enjoy the season in a variety of ways.
Cost: Varies | Open: January 13 – 22, 2023
Leavenworth in Winter
Leavenworth is a Bavarian town nestled at the foothills of the Cascade Mountains. It offers outdoor winter activities for all. Whether it’s the Village of Lights: Winter Karneval throughout the month of January, petting a reindeer at Leavenworth Reindeer Farm, or going snowmobiling with friends, there is something for everyone. Furthermore, for those looking for great dining and shopping, downtown Leavenworth provides a plethora of options.
Cost: Varies | Open: Year-round
Night Skiing at Crystal Mountain in Enumclaw
Crystal Mountain Resort’s night skiing option is family-friendly and great for those wanting to hit the slopes. Discovery, Gold Hills, and Quicksilver chair lifts shine bright at night with their Snow-Brite LED lights. A new option at the resort is the Last Chair Pass, which lets you hit the slopes anytime after 1:00 PM for three hours of access to the whole mountain before skiing or snowboarding under the lights.
Cost: Varies | Open: Friday and Saturday nights until 8:00 PM; now through February 19, 2023
Seattle Underground Tour
Although it’s more underground than outside, you will still need to bundle up for this attraction. If you’d like to explore a new side of the Emerald City, this unusual attraction will take you through the interconnected tunnels of the Seattle Underground. A 75-minute guided walking tour, you’ll get to explore the subterranean storefronts and sidewalks that were entombed when the city was rebuilt on top of itself after the Great Fire of 1889.
Cost: $10+ Please note that children under 6 years old are free but may find the tour challenging. | Open: Daily, year-round except Thanksgiving Day and Christmas Day.
Valisblot in Poulsbo
Every year, on the weekend closest to February 14th, the Poulsbo Sons of Norway Vikings host a fun Norse Valentine’s Day. They’ll take over downtown Front Street and then light the bonfire down at the Waterfront Park, giving a proclamation of love to their sweethearts. After the festivities, we suggest taking a stroll along the beautiful waterfront and then dining at one of downtown Poulsbo’s many wonderful restaurants.
Cost: Free
Want to stay in the know about more local events? Check out our free, digital Kitsap Events Guide. You’ll find a variety of recurring and annual events listed by month with helpful links, videos, and more.
