Buyers • Community • February 4, 2026

A Washington Down Payment Program That Covers Up to 20 Percent Down. Here Is Who It Is Really For…

by Bill Jordan

One of the most common things I hear from buyers is, “I would love to own a home, but I will never save enough for a down payment.”

What many people do not realize is that Washington State has a down payment assistance program that can cover up to 20 percent down with zero interest for buyers who meet very specific criteria.

It is called the Covenant Homeownership Down Payment Assistance Program, and it was created to address long term impacts of historical housing discrimination.

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What the Covenant Homeownership Program Offers

This program provides qualified first time homebuyers with up to 20 percent down payment assistance, capped at $150,000, plus eligible closing costs.

The loan is zero interest and is designed to help buyers bridge the gap that has kept homeownership out of reach for generations.

It can be used on a wide range of property types, including single family homes, condos, townhomes, manufactured homes, and certain duplexes.

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Who This Program Is Designed For

This is where the program becomes very specific.

The Covenant Homeownership DPA Program is designed for first time homebuyers in Washington who were impacted by racially restrictive housing covenants prior to April 11, 1968, or who are descendants of someone who was.

It also applies to buyers who identify as Black, Hispanic, Native American, Alaska Native, Native Hawaiian or other Pacific Islander, Korean, or Asian Indian.

Eligibility is not based on credit alone, and income limits are higher than many people expect, though you cannot exceed them even by one dollar.

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Additional Requirements to Know About

There are a few important requirements buyers should be aware of.

The home must be purchased as a primary residence.
Buyers must complete a state sponsored homebuyer education class.
A home inspection is required.
Documentation is required to support eligibility, including family records or historical documents when applicable.

While this may sound intimidating at first, many buyers find the process very manageable with the right lender and guidance.

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Why This Program Matters Right Now

With home prices and interest rates still challenging for many first time buyers, programs like this can make the difference between waiting indefinitely and actually moving forward.

I am seeing many people assume they do not qualify without ever asking the question. In reality, some buyers are closer to eligibility than they think.

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Final Thoughts

If you or someone you know has felt like homeownership was never meant to be an option, this is a program worth learning about.

Even if you are unsure whether you qualify, a simple conversation can help clarify next steps and avoid missing an opportunity that was specifically created to help.

If you would like more information, I am always happy to connect you with a trusted lender who specializes in this program and walk through how it could apply to your situation.

Buyers and Sellers • February 2, 2026

Weekly Market Update | Jan 26th – Feb 1st

by Bill Jordan

This Week’s Stats

New Listings: 128 ↓ (150)
Pending Sales: 190 ↑ (155)
Sold Homes: 69 ↑ (55)
Price Reductions: 60 ↑ (58)

Weekly Trend Overview

Buyer activity picked up meaningfully this week. Pending sales jumped while new listings slowed, a signal that motivated buyers are absorbing inventory quickly. At the same time, price reductions ticked up slightly, showing that sellers who miss the mark on pricing are adjusting faster than they were earlier this winter.

What This Means for You

For Buyers
More homes are going under contract, which means competition is back in play for well priced listings. That said, price reductions are still happening, creating opportunities if you are watching closely and ready to move quickly when the right one pops up.

For Sellers
Buyers are active, but pricing matters more than ever. Homes that hit the market priced correctly are moving. Those that are a little ambitious are adjusting. Strong presentation and a smart pricing strategy are key right now.

Community • January 31, 2026

Community Spotlight: Issaquah

by Bill Jordan

Nestled at the base of the Issaquah Alps, Issaquah offers a rare mix of natural beauty, strong schools, and easy access to major employment centers across the Eastside and Seattle. It consistently attracts buyers who want space, scenery, and a true community feel without feeling far removed from city conveniences.

Why People Love Living in Issaquah

Issaquah is known for its outdoor lifestyle. Hiking, trail running, and biking are everyday activities here with Cougar Mountain, Tiger Mountain, and Squak Mountain all nearby. Lake Sammamish provides waterfront parks, swimming, and paddleboarding in the warmer months, while the historic downtown adds charm with local shops, restaurants, and seasonal events.

Families are drawn to the highly regarded Issaquah School District, while commuters appreciate quick access to I 90, Bellevue, and Redmond. It is a location that balances nature and practicality very well.

Local Housing Snapshot

The housing market in Issaquah reflects its long term desirability and limited inventory.

Condos currently hover around $645,000, offering a more approachable entry point for buyers who want to be close to trails, transit, and downtown amenities.

Residential homes average around $1,255,000, with prices varying widely depending on neighborhood, lot size, and proximity to views or trail systems.

Homes here tend to hold value well, especially those with privacy, updated interiors, or strong outdoor connections.

Who Issaquah Is a Great Fit For

Issaquah works well for buyers who value lifestyle as much as the home itself. Outdoor enthusiasts, professionals commuting to the Eastside tech corridor, and buyers looking for strong resale fundamentals all tend to find a good fit here.

For sellers, demand remains steady due to limited buildable land and consistent buyer interest. Presentation and pricing strategy matter, but well prepared homes often attract strong attention.

If you are curious how Issaquah compares to nearby areas or want a hyper local breakdown by neighborhood, I am happy to dig in further.

Lastly, to search homes and condos for sale in Issaquah, click HERE!

Buyers • January 28, 2026

Don’t Skip That Home That’s Been Sitting on the Market

by Bill Jordan

A question I hear often from buyers is whether a home that has been sitting on the market should be avoided. It is easy to assume something must be wrong if a property has not gone pending quickly. In reality, homes that have been listed longer can sometimes offer some of the best opportunities in today’s market.

Instead of scrolling past them, these listings are often worth a closer look.

Why Some Homes Sit Longer Than Others

A home staying on the market does not always mean there is a major issue. In many cases, timing or pricing plays a bigger role than condition.

Some sellers list their home at the very top of the market to test demand. If buyers do not respond, the home may sit until price adjustments are made. Others may launch during slower seasons when buyer activity is lower, even though the home itself is solid.

There are also situations where photos or marketing did not highlight the home well, causing buyers to overlook it online even though it shows well in person.

What Longer Market Time Can Mean for Buyers

When a home has been listed for a while, sellers are often more open to conversations. That flexibility can create opportunities buyers do not usually get with brand new listings.

This may include room for price negotiation, seller credits toward closing costs, interest rate buy downs, or flexibility on timelines. In some cases, inspections or repair requests are also received more openly.

Homes with longer market time can allow buyers to slow down, evaluate options carefully, and make thoughtful decisions without the pressure of multiple offers.

How to Spot a Good Opportunity

The key is knowing the difference between a home that is simply overlooked and one that has real concerns.

This is where having a local agent matters. Reviewing price history, neighborhood trends, comparable sales, and inspection disclosures helps identify whether a home is priced incorrectly or if there are items to investigate further.

Some of the best values come from homes that just missed the mark on pricing or presentation but are otherwise strong properties in good locations.

The Bottom Line

Not every home that has been sitting on the market is a deal, but many deserve a second look. With the right strategy and guidance, these homes can offer value, flexibility, and negotiating power that newer listings often do not.

If you are house hunting and curious whether a longer listed home could be a smart move, I am always happy to help you evaluate it and talk through the pros and cons.

Buyers and Sellers • January 26, 2026

Weekly Market Update | Jan 20th – Jan 26th

by Bill Jordan

This Week’s Stats

New Listings: 150 ⬆️ (111 last week)
Pending Sales: 155 ⬆️ (153 last week)
Sold Homes: 55 ⬇️ (100 last week)
Price Reductions: 58 ⬇️ (62 last week)

Weekly Trend Overview

New listings jumped significantly this week, giving buyers more fresh inventory to look at. Pending sales inched up again, showing that buyer activity is still steady. Closed sales dipped, which is not unusual this time of year and often reflects contracts written earlier in the month. Price reductions pulled back slightly, suggesting sellers may be pricing a bit more realistically or holding firm early in the year.

What This Means for You

For Buyers
More new listings means more choices and a better chance to find the right fit. Even with steady competition, the slower pace of closed sales can create opportunities to negotiate, especially on homes that have been sitting.

For Sellers
Buyer activity is still there, but pricing and presentation matter more than ever. With inventory rising, homes that are priced correctly and show well are the ones moving into pending status.

Community • January 23, 2026

Community Spotlight: West Seattle and Alki Beach

by Bill Jordan

West Seattle offers a unique blend of laid back coastal living, established neighborhoods, and easy access to the rest of the city. With walkable business districts, waterfront views, and a strong sense of community, it continues to be one of Seattle’s most desirable areas for both homeowners and condo buyers.

Living in West Seattle

West Seattle is known for its village style feel with pockets like the Junction, Admiral, and Alki each offering their own character. Residents enjoy a mix of classic craftsman homes, updated mid century properties, and newer construction, all surrounded by parks, beaches, and Puget Sound views.

West Seattle market snapshot

Average residential home price around $1,055,000
Average condo price around $750,000

This pricing reflects strong demand for space, views, and neighborhood charm while still remaining more approachable than many core Seattle neighborhoods.

Spotlight on Alki Beach

Alki Beach is West Seattle’s waterfront gem. Known for its beach promenade, skyline views, and relaxed coastal vibe, Alki feels like a seaside town within the city. Homes here often feature sweeping water views, and condos offer a true lock and leave lifestyle steps from the beach.

Alki Beach market snapshot

Average residential home price around $1,200,000
Average condo price approaching $840,000

Prices in Alki reflect its limited inventory, waterfront proximity, and lifestyle driven appeal.

Why buyers love this area

West Seattle combines everyday convenience with lifestyle perks. Easy beach access, local restaurants, scenic walking paths, and strong community events all contribute to its appeal. Alki adds a vacation like feel that continues to attract buyers looking for views and a slower pace without leaving the city.

If you are considering buying or selling in West Seattle or specifically near Alki Beach, understanding these neighborhood level trends can make a real difference in timing and strategy. I am always happy to break down what these numbers mean for your specific situation and goals. To see what’s for sale currently, click HERE!

Sellers • January 21, 2026

Home Updates That Actually Pay You Back When You Sell

by Bill Jordan

A question I often get from homeowners is what renovations, if any, they should make before selling. The reality is that not all upgrades deliver the same return. Some improvements consistently attract buyers and support stronger offers, while others simply do not move the needle.

If you are considering selling in South Snohomish or North King County, here are the home updates that typically provide the best payoff, and how to approach them strategically.

Kitchen Updates Buyers Actually Notice

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The kitchen remains one of the most important rooms for buyers, but that does not mean a full remodel is required.

Smaller updates often deliver a stronger return than major renovations. Refacing cabinets, updating hardware, installing quartz countertops, and upgrading to modern appliances can dramatically improve first impressions. These changes help buyers see the home as move in ready without inflating the price beyond what the market supports.

In many local homes, I advise sellers to focus on clean lines, neutral finishes, and functionality rather than chasing trends.

Bathrooms That Feel Clean and Updated

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Bathrooms are another area where modest improvements go a long way. Buyers want spaces that feel clean, bright, and well maintained.

Replacing outdated vanities, fixtures, mirrors, and lighting can instantly refresh the room. Regrouting tile or updating a shower door can also make a noticeable difference without the cost of a full remodel.

The goal is not luxury. The goal is confidence. Buyers want to feel like they will not need to tackle projects right after moving in.

Curb Appeal Still Matters More Than You Think

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First impressions start before buyers ever walk through the front door. Simple exterior updates often deliver one of the highest returns.

Fresh exterior paint, updated landscaping, a clean entryway, and a well maintained front door can significantly increase showing activity. These updates signal pride of ownership and set the tone for the rest of the home.

In our local market, curb appeal can be the difference between a buyer scheduling a showing or scrolling past a listing online.

Energy Efficiency Is a Growing Buyer Priority

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Energy efficient features continue to gain importance, especially with rising utility costs. Buyers respond well to upgrades like newer windows, added insulation, efficient heating systems, and smart thermostats.

These improvements may not always be flashy, but they reduce long term costs and increase perceived value. I often highlight these features heavily in marketing because buyers are paying closer attention than ever.

The Key Is Spending Smart, Not Spending More

One of the biggest mistakes sellers make is over improving. The highest return comes from understanding what buyers in your specific neighborhood expect, and where spending will actually matter.

This is where strategy becomes critical. I help sellers decide which updates are worth doing, which ones can be skipped, and where simple cosmetic improvements can outperform major renovations. I also have trusted local contractors and handymen available if work needs to be done quickly and efficiently.

Thinking About Selling This Year

If you are considering a move in 2026, a quick conversation can save you time, money, and stress. There is no obligation, and sometimes the best advice is confirming what not to do.

Helping homeowners make smart, confident decisions is part of what I do every day at CENTURY 21 Real Estate Center. When the time is right, I am here to help you prepare, price, and position your home for the strongest possible result.

Buyers and Sellers • January 19, 2026

Weekly Market Update (Jan 12th to Jan 19th)

by Bill Jordan

This Week’s Stats

New Listings: 111 ↑ (from 47)
Pending Sales: 153 ↑ (from 94)
Sold Homes: 100 ↑ (from 90)
Price Reductions: 62 ↑ (from 44)

Weekly Trend Overview

This week brought a noticeable surge in activity across South Snohomish and North King Counties. New listings more than doubled compared to last week, signaling that sellers are stepping back into the market with confidence after the early January slowdown.

Buyer activity remained strong, with pending sales jumping to 153. That level of contract activity shows buyers are not just browsing, they are actively moving forward when the right home hits the market.

Closed sales also climbed, reflecting deals written earlier in the month coming together, while price reductions increased as some sellers adjusted expectations to stay competitive amid rising inventory.

Overall, this week points to a market gaining momentum on both sides.

What This Means for You

For Buyers

More new listings mean more choices and better opportunities to be selective. At the same time, strong pending numbers suggest competition is real for well priced homes, so preparation and timing still matter.

For Sellers

Inventory is building, which makes pricing and presentation more important than ever. Homes that are positioned correctly are still attracting serious buyer interest and moving into contract quickly.

Buyers and Sellers • Community • January 16, 2026

Community Spotlight: Redmond

by Bill Jordan

Redmond continues to stand out as one of the Eastside’s most desirable places to live, work, and invest. Known globally for its tech presence while still offering an exceptional quality of life, Redmond blends innovation, outdoor access, and thoughtfully planned neighborhoods in a way few cities can match.

Located just east of Seattle, Redmond offers convenient access to major employment centers, strong schools, and miles of trails and green space. From the walkability of downtown and Redmond Town Center to the quieter residential neighborhoods along the Sammamish River, the city appeals to a wide range of buyers.

Major Employers and Economic Stability

A significant driver of Redmond’s long term housing demand is its concentration of major employers. The city is home to the global headquarters of Microsoft, whose expansive campus anchors the local economy and attracts talent from around the world. Microsoft’s continued investment in Redmond has played a major role in shaping the city’s growth, infrastructure, and housing demand over the past several decades.

Redmond is also home to Nintendo of America, another globally recognized brand with a strong local presence. Together, these employers contribute to a stable job market, consistent buyer demand, and long term confidence in the local real estate market.

This employment base is a key reason Redmond has remained resilient through changing market cycles and continues to command strong pricing across all property types.

Redmond Real Estate Market Snapshot

Demand in Redmond remains steady, and pricing reflects the city’s continued popularity.

Average residential home prices are nearing $1.7 million, reinforcing Redmond’s position as a premier single family market on the Eastside. Condos are averaging close to $850,000, offering an attractive option for buyers who want proximity to employment hubs and amenities. Townhomes are hovering around $930,000 and continue to appeal to buyers seeking a balance of space, location, and lower maintenance living.

These figures highlight how competitive Redmond remains, even as buyers become more strategic and data driven.

Lifestyle and Amenities

Beyond employment, Redmond offers an exceptional lifestyle. Residents enjoy access to the Sammamish River Trail, Marymoor Park, and an extensive network of neighborhood parks. Downtown Redmond and Redmond Town Center provide dining, shopping, and entertainment options that continue to expand alongside the city’s growth.

Ongoing transportation improvements, including light rail expansion, further strengthen Redmond’s accessibility and long term appeal for homeowners and investors alike.

What This Means for Buyers and Sellers

For buyers, Redmond’s strong job market and limited inventory mean preparation and local insight are essential. Understanding how pricing varies by neighborhood and property type can significantly impact outcomes.

For sellers, sustained demand driven by major employers creates opportunity, particularly for homes that are well positioned and aligned with current market conditions.

Final Thoughts

Redmond remains a cornerstone of the Eastside real estate market, supported by major employers, strong lifestyle appeal, and long term economic stability. Whether you are considering a move to Redmond, relocating within the city, or simply tracking your home’s value, having local context makes all the difference.

If you would like a neighborhood specific breakdown or a personalized look at how these trends affect your home, I am always happy to help. You can also search for what properties are available by clicking HERE.

Buyers • January 14, 2026

The Credit Score Myth That’s Holding Buyers Back in Our Local Market

by Bill Jordan

If you have thought about buying a home but assumed your credit score is not good enough, you are not alone. This is one of the most common reasons I hear buyers hesitate, especially here in South Snohomish and North King Counties where home prices can feel overwhelming at first glance.

The reality is that many buyers are sitting on the sidelines because of a credit score myth that simply is not true.

The Big Credit Score Misunderstanding

A large number of would be buyers believe they need a near perfect credit score to qualify for a mortgage. In reality, many loan programs allow buyers to qualify with much lower scores depending on the loan type and overall financial picture.

This misunderstanding alone is enough to delay homeownership for years when it does not need to.

A Simple First Step That Costs Nothing

Here is the part many people do not realize. Talking with a lender to understand your options costs nothing and comes with no obligation. It is not a commitment to buy a home and it does not lock you into anything.

It is simply a conversation that answers one important question: “Where do I actually stand today?”

A quick lender check can tell you
• If you already qualify
• What loan programs may fit you best
• Whether a small credit tweak could improve your options
• Or if waiting a short time would make sense

They can also help you, if needed, create a roadmap to get you on track to being able to qualify.

That clarity alone often removes a lot of stress and guesswork.

What This Means for Buyers in Our Local Market

In our area, especially in communities like Lynnwood, Edmonds, Bothell, Shoreline, and Mill Creek, buyers who are prepared have an advantage. Waiting because of an assumption about credit can mean missing opportunities that fit both your budget and long term plans.

I regularly see buyers surprised when they learn they are far closer to qualifying than they expected.

The Bottom Line

Do not let a myth or assumption decide your future. The only way to know your options is to look at real information, not worst case scenarios.

If you have been thinking about buying but are unsure about your credit, I am happy to connect you with a trusted local lender for a no cost, no obligation conversation. Even if buying now is not the right move, having clarity puts you back in control of your timeline.

When you are ready to explore your options, I am here to help guide the process at your pace.