Provided to you Exclusively By Christina Daniels Christina Daniels Lending Specialist Olympic Lending Solutions Office: 360-753-3064 Fax: 360-753-4261 E-Mail: christina@olympic-lending.com Website: www.olympic-lending.com

For the week of Dec 28, 2009 --- Vol. 7, Issue 52

Holiday Issue

Happy holidays! I wish you and yours the very best during this special time of year! As your Trusted Advisor, I sincerely hope you're enjoying your complimentary subscription to The Mortgage Market Guide Weekly. Since the Christmas holiday is being observed this week, your next full issue will arrive on Monday, January 4, 2010. In the meantime, please enjoy the article below. This article highlights key dates you should mark on your calendar and prepare for as we head into 2010. Season's greetings to you. And if I may be of any assistance to you at this time, please feel free to contact me.

The Mortgage Market View...

Your 2010 Money Calendar Key dates to bookmark for the year ahead. By Jessica L. Anderson, Associate Editor of Kiplinger's Personal Finance magazine. JANUARY 1 - Parents of college-bound high school seniors: Fill out Free Application for Federal Student Aid (FAFSA). 4 - First trading day of 2010. 7 - Set financial goals, update your budget and resolve to pay off holiday debt (see "Four Ways to Trim Your Spending"). 8 - Convert traditional IRA to a Roth; income limits for conversions are gone. 15 - Estimated federal taxes for the fourth quarter of 2009 are due. 20 - Consult with a financial planner: Your Money Bus stops in Greensboro, N.C. 21 - Seniors: If you're over 70½, talk to your IRA administrators about resuming regular required minimum distribution payments. 26 - Federal Open Market Committee meets to review interest rates. FEBRUARY 2 - Think taxes: Your 1098, 1099 and W-2 statements should arrive by today. Finish gathering tax documents and put them in a folder for later. 4 - Your Money Bus stops in Charleston, S.C. 7 - Billions of dollars in bets will be riding on Super Bowl XLIV. 12 - Investors: Standard & Poor's 500-stock index has gone down 15 of the past 18 years on the day before Presidents Day weekend. You could pick up some cheap shares. 15 - Presidents Day. Before you hit the sales, take our quiz to find out what kind of spender you are. 22 - New credit-card rules go into effect. 22 - Your Money Bus stops in Palm Beach, Fla. MARCH 1 - Shoulder season starts today and runs through May. Look for bargains on travel. 3 - Keep an eye out for proxy forms. They'll let you vote on shareholder issues without being present at the annual meeting. 6 - Think taxes: Assign value to stuff you donated to charity if you itemize deductions. 9 - Your Money Bus stops in Birmingham, Ala. 14 - Daylight Savings Time begins. Spring forward. 15 - Deadline to empty your 2009 health-care flexible spending account (if your plan allows the 2½-month grace period). 16 - Federal Open Market Committee meets to review interest rates. 19 - Triple Witching Day for the stock market: Contracts for stock-index futures, stock-index options and stock options all expire together. Brace for volatile trading. APRIL 1 - It's Financial Literacy Month. Take the Kiplinger quiz on your financial know-how. 1 - Seniors: Deadline for taking your first required minimum distribution from IRAs and other retirement accounts. 2 - Your Money Bus stops in Cleveland. 3 - Prepare your income-tax return this weekend. 12 - First-quarter earnings announcements for the Dow Jones industrials begin with Alcoa. 15 - File your tax return or request an extension. Estimated federal taxes for the first quarter are due. 16 - Expect a big tax refund? Adjust your withholding. 22 - Earth Day. Save money and the planet by switching to compact fluorescent bulbs. 27 - Federal Open Market Committee meets to review interest rates. MAY 1 - Berkshire Hathaway annual shareholders meeting, in Omaha. Treasury announces semiannual I-bond rates. 2 - Mother's Day is May 9. Find a gift deal at www.dodtracker.com. 6 - Your Money Bus stops in Fort Worth. 11 - Celebrate the 100th anniversary of Glacier National Park. A visit to one of the 58 national parks is a great idea for an inexpensive summer getaway. 12 - Book a tune-up for your air-conditioning or sprinkler system before summer sets in. 19 - Start planning your summer vacation (use a booking site such as Kayak.com). 27 - College-bound high school grads: Complete student-loan applications, including those for federal Stafford loans and federal PLUS loans for parents. 30 - Use your tax refund to pay down credit-card balances or seed an emergency fund. JUNE 1 - Investors: The stock market historically dips the week after Memorial Day. Look for cheap buys. 3 - Your Money Bus stops in San Diego. 7 - Recent college grads: Consolidate student loans. Make a money-smart plan for what to do with your graduation cash (start an IRA, create an emergency fund). 12 - Shop for Father's Day on June 20. 15 - Estimated federal taxes for the second quarter are due. 17 - Your Money Bus stops in Portland, Ore. 21 - Investors: Dow down 17 of the past 19 years-don't sell this week. 22 - Federal Open Market Committee meets to review interest rates. JULY 2 - Midyear financial checkup: Update the goals you set in January and rebalance your portfolio, if necessary. 4 - Independence Day. Break free from debt by tallying up what you owe and making a plan to pay it off. 7 - Your Money Bus stops in Colorado Springs. 12 - Second-quarter earnings announcements for the Dow Jones industrials begin with Alcoa. 21 - Reshop your auto insurance (www.insweb.com), homeowners coverage (www.accucoverage.com) and life insurance (www.accuquote.com). 26 - If you're over 50, find out about long-term-care insurance: Take our quiz to learn more. AUGUST 1 - Shop early for an end-of-the-model-year car deal. You'll get the best combination of price and selection as dealers clear inventory. 3 - This is the month for statewide sales-tax holidays for back-to-school shopping. Find out whether your state has one. 5 - Your Money Bus stops in Omaha. 9 - Investors: Prepare to hunker down. From 1988 to 2005, August was the worst month for the Dow and the S&P 500. 10 - Federal Open Market Committee meets to review interest rates. 24 - Investors: Look for the market to gain strength. The end of the month has been strong for the past five years. 26 - Renegotiate the rate on your credit card. SEPTEMBER 1 - Fall marks open-enrollment season for employer health-insurance plans. Review your options, even if you can keep the same coverage. 2 - Start scouting for deals for holiday travel. Wednesday is the cheapest day to fly, with the exception of the Wednesday before Thanksgiving. 3 - Investors: Watch for stock-market instability. Triple-digit Dow moves are commonplace leading up to Labor Day. 9 - Your Money Bus stops in Milwaukee. 15 - Estimated tax payments for the third quarter are due. Deadline for submitting corrections to your FAFSA. 21 - Federal Open Market Committee meets to review interest rates. 30 - Your Money Bus stops in Washington, D.C. OCTOBER 1 - If you're self-employed, deadline to establish a Simple IRA. 2 - Financial Fitness Workshop, in New York City. 7 - Third-quarter earnings announcements for the Dow Jones industrials begin with Alcoa. 8 - If you've lost money on a Roth IRA conversion, you can still recharacterize. Contact your Roth sponsor ASAP. 15 - Deadline to file your tax return if you requested an extension in April. 21 - Get Smart About Credit Day. Buy your FICO scores at www.myfico.com. 22 - Investors: Look for good buys on depressed stocks; October has marked the end of 11 post-World War II bear markets. NOVEMBER 1 - Treasury announces semiannual I-bond rates. Buy candy on the cheap after Halloween. 2 - Federal Open Market Committee meets to review interest rates. 7 - Daylight Savings Time ends. 8 - New college grads: First student-loan payments are due this month. 15 - Open enrollment begins for Medicare Part D and Medicare Advantage plans, and continues through December 31. (See "Choose the Right Medicare Plan for Your Needs".) 17 - Investors: Time to sell? The Dow has been up 13 of the past 16 years in the week before Thanksgiving. 24 - Log on to www.gottadeal.com to plan your Black Friday/Cyber Monday shopping strategy. 29 - Cyber Monday: Save on sales at most online retailers. DECEMBER 1 - Investors: Before you buy a mutual fund in a taxable account, check the fund's Web site for its ex-dividend date and purchase shares after that date to avoid a tax bill. 5 - Make year-end donations to a charity or your alma mater and lock in a tax deduction (see "Five Ways to Check a Charity"). 13 - End of 2010 is your last chance to make energy-efficient home improvements and get a 30% tax credit up to $1,500 (deadline: December 31). 14 - Federal Open Market Committee meets to review interest rates. 18 - Best time of the year to buy a computer-deals range from 15% to 50% off, or you could score a free printer or software package. 31 - Deadline for taking annual required minimum distributions from your retirement accounts, setting up a solo 401(k) plan and enrolling in a Medicare prescription-drug plan. Reprinted with permission. All Contents c 2009 The Kiplinger Washington Editors. www.kiplinger.com

The material contained in this newsletter is provided by a third party to real estate, financial services and other professionals only for their use and the use of their clients. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, we do not make any representations as to its accuracy or completeness and as a result, there is no guarantee it is not without errors.

As your trusted advisor, I am sending you the MMG WEEKLY because I am committed to keeping you updated on the economic events that impact interest rates and how they may affect you.

In the unlikely event that you no longer wish to receive these valuable market updates, please USE THIS LINK or email: christina@olympic-lending.com

If you prefer to send your removal request by mail the address is:

Christina Daniels
222 Capitol Way N #107
Olympia, WA 98501

Mortgage Success Source, LLC is the copyright owner or licensee of the content and/or information in this email, unless otherwise indicated. Mortgage Success Source, LLC does not grant to you a license to any content, features or materials in this email. You may not distribute, download, or save a copy of any of the content or screens except as otherwise provided in our Terms and Conditions of Membership, for any purpose.

The Barrans Report - Hot Puget Sound Real Estate

The Barrans Report – Hot Puget Sound Real Estate for the week of December 27, 2009.

Each week SouthSoundForeclosures.com & Help-U-Sell Barrans Realty are searching the multiple listing looking for “HOT” Real Estate deals in the South Sound area of Washington State.

This Week's Featured Home:

$329,900 19101 Church Lake Rd E, Bonney Lake, WA 98391, 4 Beds, 3.5 Bath, 2286 sf Home on 1.46 acres. Enjoy your secluded piece of paradise just minutes from Bonney Lake. Two Masters Suites, Smaller one on main level. Large lot, new carpets, will just need a little painting and you have a home for Over $50,000 Below Assessed Value. Sold As Is. Bank Owned Home. http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29146320

King County

$234,900 - 14628 42nd Ave S, Tukwila, WA 98168, Beds: 5, Baths: 2, Sq Ft: 2280, Lot Sz: 8,092 sq ft, Yr: 1960, Assessed Value: $338,000, Buy this 5 bedroom home for over $100k Below Assessed Value!!! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168974

$211,155 - 1246 SW 146^th St, Burien, WA 98166, Beds: 4, Baths: 2, Sq Ft: 1380, Lot Sz: .35 ac, Yr: 1942, Assessed Value: $294,000, Last Sale in 2007: $335,000, Great chance to own a home in Burien for more than $123,000 Below the Last Sales Price! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169213

$240,000 - 22656 129th Pl SE, Kent, WA 98031, Beds: 3, Baths: 2.5, Sq Ft: 2090, Lot Sz: 4,000 sq. ft., Yr: 2007, Assessed Value: $344,000, Last Sale in 2007: $358,903, Almost new for $104,000 Less Than Assessed Value! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29098757

$295,000 - 14408 130th Ave NE, Kirkland, WA 98034, Beds: 4, Baths: 3, Sq Ft: 1,460, Lot Sz: 6,700 sq ft, Yr: 1974, Assessed Value: $401,000, Last Sale in 2005: $377,500, Priced at $106k Under Assessed Value! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169176

Pierce County

$79,538 - 2325 S Cushman Ave, Tacoma, WA 98405, Beds: 3, Baths: 1, Sq Ft: 1362, Lot Sz: 6,500 sq ft, Yr: 1916, Assessed Value: $178,500, This place needs lots of fixin, but is priced nearly $100,000 BELOW Assessed Value! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169436

$249,900 - 18323 Silver Creek Ave E, Puyallup, WA 98375, Beds: 4, Baths 2.5, Sq Ft: 3209, Lot Sz: 4,791.60 sq ft, Yr: 2005, Assessed Value: $296,500, Last Sale: $333,728, HUGE, nearly new home for $80 per sq ft!!! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169282

$200,000 - 22421 54th Ave Ct E, Spanaway, WA 98387, Beds: 5, Baths: 2.5, Sq Ft: 2,396, Lot Sz: 7,841 sq ft, Assessed Value: $245,700, Last Sale in 2006: $297,000, Large 5 Bedroom home for $83.47 per sq ft. Sold for almost $100,000 more 3 years ago. http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169186

$584,900 - 2911 Deer Island Dr E, Lake Tapps, WA 98391, Beds: 3, Baths: 2.75, Sq Ft: 3032, Lot Sz: .35 acres, Yr: 1990, Assessed Value: 767,500, Last Sale in 2007: $990,000, Lake Tapps Waterfront for $400,000 Less Than Last Sale! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169015

Thurston County

$230,100 - 641 Pioneer St SW, Tumwater, WA 98512, Beds: 3, Baths: 2.5, Sq Ft: 1806, Lot Sz: 1.94 ac, Yr: 2006, Assessed Value: $279,300, Almost $50K Below Assessment on just shy of 2 acres. http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29147782

$175,000 - 9830 Case Rd SW, Olympia, WA 98512, Beds: 3, Baths: 2.5, Sq Ft: 2289, Lot Sz: 1.2 ac, Yr: 1984, Assessed Value: $248,000, Last Sale in 2000: $200,000, Great rehab project! Priced $73K Under Assessed Value! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169038

Mason County

$101,850 - 371 E Olde Lyme Rd, Shelton, WA 98584, Beds: 4, Baths: 2, Sq Ft: 1512, Lot Sz: .3 ac, Yr: 1990, Assessed Value: $124,460, Great Price for this home at $100k!!!! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169712

Kitsap County

$164,900 - 17100 NW Hintzville Rd, Seabeck, WA 98380, Beds: 4, Baths: 2.5, Sq Ft: 2464, Lot Sz: 1.55 ac, Yr: 1978, Assessed Value: $291,610, Last Sale in 2006: $350,000, Over 1.5 acres needs TLC at HALF of 2006 price!! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29164986

$95,900 - 1202 12th St, Bremerton, WA 98337, Beds: 5, Baths: 2, Sq Ft: 2381, Lot Sz: 6,534 sq ft, Yr; 1919, Assessed Value: $210,340, Last Sale in 2009: $171,000, Huge potential for instant equity here! Rehab Home Priced Well Under Assessed! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169549

Snohomish County

$78,900 - 16837 167 Ave SE, Monroe, WA 98272, Beds: 2, Baths: 1.5, Sq Ft: 828, Yr: 1999, Assessed Value: $186,000, Last Sale in 2007: $195,000, Great Condo with view and Fireplace! Over $100K Below Assessed Value!! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168763

$174,900- 15514 39th Ave SE, Bothell, WA 98012, Beds: 4, Baths: 2.5, Sq Ft: 2.468, Lot Sz: 4,792 sq ft, Yr: 2004, Assessed Value: $387,000, Last Sale in 2005: $316,000, Cash or Rehab only Fixer! At over 210K Below Assessed Value! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168521

$199,900 - 11205 35th Ave SE, Everett, WA 98208, Beds: 3, Baths: 2.25, Sq Ft: 1,684, Lot Sz: .24 ac, Yr: 1967, Assessed Value: $294,000, Last Sale in 2006: $340,000, Corner lot and spacious living areas! $140K Below 2006 Price!! http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169260

THIS WEEK’S NEW FORECLOSURES WITH WATERFRONT/WATERVIEW, NEW CONSTRUCTION, AND WITH 1 OR MORE ACRES.

NEW CONSTRUCTION FORECLOSURES THIS WEEK

Pierce County New Construction Foreclosures

None This Week

Kitsap County New Construction Foreclosures

None This Week

Snohomish County New Construction Foreclosures

None This Week

Mason County New Construction Foreclosures

None This Week

Thurston County New Construction Foreclosures

$245,000 Olympia, 2131 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169163

$255,000 Olympia, 2417 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169135

$255,000 Olympia, 2468 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169179

$260,000 Olympia, 2587 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169145

$260,000 Olympia, 2587 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169171

$374,900 Olympia, 2816 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169636

King Co New Construction Foreclosures

None This Week

WATERFRONT/WATERVIEW FORECLOSURES

Snohomish Co Waterfront/view foreclosures

$237,900 Everett, 1590 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168928

$374,900 Snohomish, 2704 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169219

$291,375 Edmonds, 756 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168958

King Co Waterfront/view foreclosures

$327,500 Federal Way, 2560 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168807

$160,000 Kent, 1090 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169424

$264,900 Des Moines, 2420 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168963

$270,375 Des Moines, 2880 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169087

$1,054,400 Mercer Island, 3390 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168645

$329,900 Fall City, 2010 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168410

$143,000 Redmond, 1447 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168416

$490,000 Seattle, 3140 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169555

$470,250 Condo In Seattle, 1186 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168614

Pierce Co Waterfront/view foreclosures

$584,900 Lake Tapps, 3032 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169015

$169,900 Eatonville, 1152 sf, http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168996

Kitsap co Waterfront/View foreclosures

None This Week

Thurston Co Waterfront/view foreclosures

None This Week

Mason Counties Co Waterfront/view

None this week

FORECLOSURES WITH A MINIMUM OF ONE ACRE

Snohomish Co Foreclosures with Acreage

$374,900 Snohomish, 2704 sf, 5.03 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169219

$289,900 Stanwood, 1848 sf, 1.3 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169488

King Co foreclosures with Acreage

$459,777 Enumclaw, 3100 sf, 10.29 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168402

$584,200 Issaquah, 2440 sf, 5.60 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168821

$314,000 Fall City, 2400 sf, 1.26 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168987

$329,900 Fall City, 2010 sf, 1.02 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168410

$354,500 Carnation, 2460 sf, 1.07 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168432

Pierce Co foreclosures with Acreage

$279,500 Gig Harbor, 2062 sf, 1.89 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29166357

$159,900 Tacoma, 1444 sf, 1.42 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169494

$184,900 Orting, 2.00 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169210

$169,900 Eatonville, 1152 sf, 1.00 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29168996

Thurston co Foreclosures with Acreage

$175,000 Olympia, 2289 sf, 1.2 ac., http://www.mlsfinder.com/wa_nwmls/barransrealty/index.cfm?action=email_listing_detail&property_id=29169038

Kitsap Co Foreclosures with Acreage

None This Week

Mason Co Foreclosure with Acreage

None This Week

There is no guarantee that the homes are still available. We have found that 50% or more will go within days of us making this list. If the link is no longer available the home is now gone.

First Time Home Buyers!!! Receive $8,000 from the government when you purchase a home. Go to http://www.helpusellbarransrealty.com/ for details. Also there are down payment assistance programs in Pierce County.

Interest Rates are great! Deals are here! Maybe now is the time to move!