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ALL LISTINGS
- 1/34 34Open Thu 10AM-12PM
$ 588,000
1 Bed1.5 Baths867 SqFt170 Harbor Square LOOP NE #A308, Bainbridge Island, WA 98110
Condo
MLS# 2311478
Listed by Windermere RE Bainbridge
- 1/28 28Open Thu 10AM-5PM
$ 479,995
3 Beds2.5 Baths1,771 SqFt6891 Langley AVE NE #136, Bremerton, WA 98311
Single Family Home
MLS# 2312180
Listed by DR Horton
- 1/28 28Open Thu 10AM-5PM
$ 479,995
3 Beds2.5 Baths1,771 SqFt6903 Langley AVE NE #135, Bremerton, WA 98311
Single Family Home
MLS# 2312174
Listed by DR Horton
- 1/36 36Open Sat 10AM-1PM
$ 440,000
4 Beds2.25 Baths1,670 SqFt641 NE Silver Pine DR, Bremerton, WA 98311
Single Family Home
MLS# 2312204
Listed by Paramount Real Estate Group
- 1/40 40Open Thu 10AM-1PM
$ 2,120,000
4 Beds3.25 Baths5,218 SqFt8726 NE Triple Crown DR, Bainbridge Island, WA 98110
Single Family Home
MLS# 2311697
Listed by Windermere RE West Sound Inc.
- 1/40 40Open Sat 12PM-2PM
$ 524,999
4 Beds2.25 Baths1,785 SqFt2163 SE Galeel CT, Port Orchard, WA 98366
Single Family Home
MLS# 2311535
Listed by Pellego, Inc.
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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
- 1/31 31
$ 630,000 1.6%
$ 620,000
3 Beds2.5 Baths1,760 SqFt17034 94th LN SE, Yelm, WA 98597
Single Family Home
MLS# 2291742
Listed by Real Broker LLC
- 1/40 40
$ 650,000 5.7%
$ 615,000
3 Beds2 Baths2,214 SqFt1017 NW 79th CIR, Vancouver, WA 98665
Single Family Home
MLS# 2303937
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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