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ALL LISTINGS
- 1/36 36Open Sat 12PM-2PM
$ 1,350,000
3 Beds2.5 Baths2,635 SqFt2055 NE Yeomalt Point DR, Bainbridge Island, WA 98110
Single Family Home
MLS# 2301884
Listed by COMPASS
- 1/37 37Open Fri 4PM-6PM
$ 825,000
4 Beds3.75 Baths4,638 SqFt7333 Hawkstone AVE SW, Port Orchard, WA 98367
Single Family Home
MLS# 2301975
Listed by Keller Williams Seattle Metro
- 1/38 38Open Sat 11AM-3:30PM
$ 785,000
3 Beds2.5 Baths2,460 SqFt22613 Seatter RD NE, Kingston, WA 98346
Single Family Home
MLS# 2302898
Listed by Keller Williams Greater 360
- 1/38 38Open Sat 12PM-2PM
$ 725,000
3 Beds1.75 Baths3,304 SqFt6940 Allison WAY SE, Port Orchard, WA 98367
Single Family Home
MLS# 2301329
Listed by John L. Scott, Inc.
- 3DOpen Sat 3PM-5AM
$ 659,900
2 Beds1.75 Baths1,025 SqFt27442 State Highway 104 NE, Kingston, WA 98346
Single Family Home
MLS# 2302937
Listed by Redfin
- 1/37 37Open 10/17 10AM-12PM
$ 595,000
1 Bed1.5 Baths872 SqFt190 Harbor Square LN #C332, Bainbridge Island, WA 98110
Condo
MLS# 2302278
Listed by Windermere RE Bainbridge
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RECENTLY SOLD
$ 375,000 2.7%
$ 365,000
3 Beds2.5 Baths1,492 SqFt137 NE Tucannon Ct, Bremerton, WA 98311-3191
Townhouse
Listed by Niki Shelton of REAL Broker LLC
- 1/37 37
$ 960,000 1.2%
$ 949,000
3 Beds2.25 Baths1,590 SqFt130 21st AVE E #A, Seattle, WA 98112
Single Family Home
MLS# 2292195
Listed by Windermere Real Estate Co.
- 1/40 40
$ 735,500 1.8%
$ 749,000
4 Beds3.5 Baths3,427 SqFt314 River Heights RD, Centralia, WA 98531
Single Family Home
MLS# 2253994
Listed by Real Broker LLC
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What is PMI?
Private Mortgage Insurance (PMI) is a term that often comes up when discussing mortgages and real estate transactions. But what exactly is PMI, and why is it important for both buyers and sellers to understand its implications? In this blog post, we will delve into the world of PMI, shedding light on its purpose, necessity, and potential ways to eliminate it.Private Mortgage Insurance is a type of insurance that lenders require from homebuyers who make a down payment of less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on their mortgage payments. Essentially, it provides a safety net for the lender, enabling them to recover their investment in case of a foreclosure.So, why do lenders insist on PMI for buyers? The answer lies in risk management. When a borrower puts down less than 20% as a down payment, the lender assumes a higher risk. With PMI in place, the lender can minimize their potential losses if the borrower fails to meet their financial obligations. The cost of PMI is typically a percentage of the loan amount and is added to the monthly mortgage payment.But what if you don't want to have PMI? Is there a way to avoid it or get rid of it? The good news is, getting rid of PMI is possible, but it requires meeting certain criteria. Once you have accumulated at least 20% equity in your home, either through appreciation or by paying down the principal balance, you can request the cancellation of PMI. This can be done by contacting your mortgage lender and following their specific guidelines for PMI removal.Another way to eliminate PMI is by refinancing your mortgage. If you have enough equity in your home and interest rates are favorable, you can refinance your mortgage and potentially secure a loan that doesn't require PMI. However, it's essential to weigh the costs associated with refinancing against the savings you'll achieve by eliminating PMI.In conclusion, PMI plays a significant role in the real estate industry, offering protection to lenders while enabling buyers with smaller down payments to enter the market. Although it adds an additional cost to your monthly mortgage payment, it is not a permanent expense. By building equity in your home or exploring refinancing options, you can eventually eliminate PMI, providing you with greater financial freedom as a homeowner.
Read moreThinking of Buying or Selling?
Keeping It REAL with Niki Shelton Are you getting ready to buya home? Have a house to sell? Maybe you have a friend or a family member that is. If so, you do not want to miss this series. This is a site of great information where I will be taking you through the Home-buying and Selling process from start to finish. We are bringing in industry experts to make sure you have the information you need when you need it. Check out this series and subscribe to my YouTube channel so you don't miss an episode. Subscribe here: https://www.youtube.com/@nikishouses-nikishelton/playlists Make sure you hit that subscribe button so you don't miss an episode. Thanks for watching.
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