Exceptional, Move-in Ready 3-Bedroom, 2.5-Bath Home in Lacey (Just 10 Minutes From JBLM!)

Lovingly maintained and boasting stylish design around every corner, this Lacey treasure is truly a joy to come home to! A professional color paint scheme creates a contemporary atmosphere, and a carefully designed 2,276-square-foot layout features 3 bedrooms, 2.5 baths, a 3-car deep garage, fabulous entertaining spaces, and much more. Located at 9204 Periwinkle Lp NE, Lacey WA, 98516 in a prime spot and just a 10-minute drive to Joint Base Lewis-McChord, this move-in ready residence is listed for $319,950.


Built in 2009, this home boasts traditional elements alongside eye-catching modern details. Nestled along sidewalk-lined streets, this home’s large drive and beautifully detailed exterior welcome you home! Just in through the tall 9-foot door, incredible 20-foot ceilings welcome you inside and show off high windows that fill the space with bright and cheerful light. Immediately to the right, a home office awaits, promising a private, quiet space to work or study. The formal dining room is just around the corner, a sophisticated space with a vibrant color palette and exquisite shimmering windows.

A convenient butler’s pantry connects the dining room to the kitchen, a dynamic area that promises to become the hub of daily life! Here, attractive rich cabinetry offers plenty of storage space, while a center island shows off even more counter space for meal prep and the opportunity for bar-style seating. Bold striped wall accents lead into the dining nook, an inviting space that’s perfect for laid-back meals with loved ones all while offering views of the backyard. 

An open-concept layout flows right into the living room, an exquisite retreat that’s ready for cozy evening by the gas fireplace. Plush carpets and a warm color palette contribute to the inviting feel, and whether you envision entertaining a room full of guests or quiet movie nights, this dynamic area is ready for it all!

Find additional comfort and convenience upstairs where 3 bedrooms and a huge family room await. The master suite is a true treat—here, discover vaulted ceilings, a walk-in closet, and a large ensuite bath with double sinks, a private shower in the corner, and a soaking tub that’s ready for luxurious bubble baths!

When the sun comes out and it’s time for some fresh air, this home’s backyard haven offers a long list of amenities to take advantage of. Fully fenced, this oasis boasts a patio that’s ready for hosting barbecue get-togethers, a hot tub for ultimate relaxation, and an easy-to-maintain yard.

Living in Lacey

Tucked away in a convenient Lacey location that boasts access to outdoor activities and city conveniences alike, at 9204 Periwinkle Lp NE, Lacey WA, 98516, you’re also a wonderful 10-minute drive to Joint Base Lewis-McChord. A dream for those who commute to JBLM, this home is also right next door to the Nisqually National Wildlife Refuge, Meridian Neighborhood Park, William B. Ives Trail, and the stunning Puget Sound is just minutes away as well. If you love staying active and exploring the outdoors, you’ve truly hit the jackpot with this home! You’re also close to a long list of restaurants and shopping opportunities, and places like Walmart, the Hawks Prairie Village Mall, Costco, Home Depot, Best Buy, Cabela’s and more are all a quick 12-minute drive away.

Want to work with a military REALTOR®? Ready to learn about homes near JBLM? Contact REALTOR® Cyrus Bonnet, the VA specialist, online here or give him a call/text at (253) 343-4910.


Posted on March 1, 2017 at 11:26 am
Cyrus Bonnet | Posted in Lacey Real Estate |

How to Invest With a VA Loan

If you’re in the military and considering home ownership (or maybe you already own a home and want to make another investment), then there are a few different ways you can take advantage of a VA Loan. Below, I’ve included a couple of ways you can use your VA loan to invest, a close-up look at a real-life scenario, a couple of helpful charts, tips on how to find a VA lender, and information directly from the VA website.

How can you use your VA loan for an investment property?

  1. Use your VA loan to purchase your first home, live in it for one year, and then purchase another home. After purchasing your first home, you must have the home serve as your primary residence for one year. After one year, you will be able to purchase another home within specific guidelines as outlined by the VA with any remaining entitlement. Traditionally, it is for a reason that results from necessity, such as moving out of the area, upsizing to a bigger home, etc. It could also be for something minor, but you should consult your lender or the VA directly for specifics.
  2. If you can afford it, buy a property with multiple units and rent out the extra units. As you can see in the chart above, if you can afford it and have enough entitlement you can buy up to 4 units as long as they are all combined onto one property (including a duplex, triplex, and fourplex). This type of purchase will also require you to live in the residence for at least one year, but the benefit is that you can collect rent money from renters occupying your extra units. If you’re careful and run your numbers right, you can make a profit on your VA loan.

The table below includes the new 2017 VA loan limits on single-family 1-unit dwellings, duplexes, triplexes, and fourplexes in both Pierce County and King County. As you can see, there are some opportunities for investments here:

A Real Life Example

One of my past clients bought a home for $190,000, and soon after they got married. My client’s wife, sister-in-law, and the sister-in-law’s boyfriend were all going to move in together, so they needed to upsize their home. At the time, their county limit was $417,000. Two years later, they ended up purchasing a larger home for $245,000 which was plenty with their eligibility (find specifics on how this is calculated below, but your lender can always help explain this more thoroughly!). This particular client rented out his first home for $1,500. The mortgage was $1,080, so each month he profited $420. Not only did he have positive cash flow, but each month his mortgage was getting paid, in turn building the veteran positive equity.

If you did this over a few properties, you could retire with homes paid off all while getting rent money on the top! This is a decent retirement on top of other retirement plans. (For more information on VA loans and VA loan investments, contact me or your lender.)

More Information on VA Loans From the VA Website:

As with all things, inflation in our economy affects those in the military just as it does with civilians. This is in part why the VA puts out new loan limits based on certain counties across the U.S.

Below, I’ve also include some highlights regarding VA loans directly from the VA website:

  • “VA does not set a cap on how much you can borrow to finance your home. However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a down payment. These loan limits vary by county, since the value of a house depends in part on its location.”
  • “The basic entitlement available to each eligible Veteran is $36,000. Lenders will generally loan up to 4 times a Veteran’s available entitlement without a down payment, provided the Veteran is income and credit qualified and the property appraises for the asking price.”
  • “Veterans who had a VA loan before may still have “remaining entitlement” to use for another VA loan. Most lenders require that a combination of the guaranty entitlement and any cash down payment must equal at least 25 percent of the reasonable value or sales price of the property, whichever is less. Thus, for example, $23,500 remaining entitlement would probably meet a lender’s minimum guaranty requirement for a no-down payment loan to buy a property valued at and selling for $94,000. You could also combine a down payment with the remaining entitlement for a larger loan amount.”

Source: http://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

What You Need to Know About VA Lenders

I’ve mentioned a couple times that it’s important to reach out to a lender for additional information, but that can be a challenge in and of itself. Who do you work with? It’s very, very important for you to work with a lender who TRULY knows the VA. Don’t get sucked into using a lender just because they offer a cash incentive or claim to be a military lender. You’ll usually pay the price for that in higher rates, not working with just one person, and being confused all the time (they’ll probably be confused, too, and end up wasting time by doing things like asking for loan documentation more than once, for example). Oftentimes, these uninformed types of lenders are also not up-to-speed on local laws, taxes, and processes in different area, making it a challenge to close on time.

Personally, for me (on both of my purchase and refinances), for my family, and for the majority of my clients, we end up using local lenders like Mike Villano of www.VeteransNationalLendingGroup.com. He is my go-to guy for VA questions and problem solving, in case you need a recommendation!

Want to work with a military REALTOR®? Ready to learn about homes near JBLM? Contact REALTOR® Cyrus Bonnet, the VA specialist, online here or give him a call/text at (253) 343-4910.

Cyrus Bonnet | Realtor cyrusbonnet@windermere.com

253-343-4910

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Wounded Warrior Project, War Dogs Making it Home, Paws & Stripes, and many more.

 


Posted on February 20, 2017 at 9:31 pm
Cyrus Bonnet | Posted in VA Loans |

4 Reasons Why People Who Work at Joint Base Lewis-McChord Choose to Live in Puyallup

If you’re searching for a home that’s near Joint Base Lewis-McChord, I highly recommend the city of Puyallup! Puyallup is a top choice for those who are looking to be surrounded by convenience all while enjoying a more laidback atmosphere and a community feel.

But first, here’s a little more background on me: My name is REALTOR® Cyrus Bonnet and I am “JBLM’s Dedicated VA/military real estate professional.” I love helping my clients find the right home close to JBLM, whether you’re looking for something that’s 15 minutes to JBLM or 1 hour to JBLM. As a military real estate professional, I have a lot of experience serving those who are new to the area and need to find real estate close to JBLM.

I’m Military & Veteran Housing Certified, a Certified Military Housing Specialist (USAcares.org), a Military Relocation Professional, a VA & Military Real Estate Specialist, and I’m a part of the Veterans Association of Real Estate Professionals (plus I serve as the Tacoma chapter’s president 2014-2016)… and more! I also love supporting organizations like the Wounded Warrior Project, War Dogs Making it Home, Paws & Stripes, etc.

(If you’d like to learn more about me, check out my website.)

Anyway—more about Puyallup! Depending on where you live in Puyallup, you’re just about a 15- to 25-minute drive to JBLM. Puyallup is just east of Spanaway, Frederickson, and JBLM, making it a premium choice for those who have to commute to JBLM. (Tip: You may hear people refer to “South Hill” as a different place, but it’s still part of Puyallup—it’s just the southern part of Puyallup and on a hill, as the name suggests!)

Here are 4 reasons why many people who work at JBLM choose to live in Puyallup:

  1. As I’ve already mentioned, Puyallup is very close to JBLM.

Especially in neighborhoods like Silver Creek (located at 176th and Meridian), you’ll find yourself enjoying the amenities of Puyallup and a peaceful suburban community while still being approximately 25 minutes away from work.

  1. Although Puyallup is a developed area, it’s still growing.

Puyallup just keeps growing, and homebuyers can enjoy the benefits of new construction here whether you’re looking for single-family homes or condos. It Is also known to hold its value to its continued growth and amenities.

  1. You’re surrounded by a large variety of incredible amenities.

Puyallup is home to tons of restaurants, schools, health services, parks, and so much more. With a population at almost 40,000, Puyallup has over 30 schools (including Pierce College, a community college). Puyallup is also home to a few large shopping centers, including the South Hill Mall, an expansive destination that features large department stores, a movie theater, and restaurants. 2 Targets, 2 Walmarts, and countless other grocery stores, shops, fast food options, sit-down restaurants, and more all await in Puyallup as well!

  1. The outdoors are right at your fingertips!

Puyallup is home to some truly gorgeous parks (like Bradley Lake Park and Pioneer Park), but if you want to really head into the great outdoors for some adventure, you’re in luck! Puyallup is in close proximity to hiking, fishing, camping, and boating opportunities. Lake Tapps, Lake Alder, and Lake Kapowsin are all within an hour away from Puyallup (depending on where you live) making it super easy to head out for a weekend of peace, quiet, and adventure. Mt Rainier National Park is also less than an hour away, offering a haven of hiking, camping, and even more adventuring!
Want to work with a military REALTOR®? Ready to learn about homes near JBLM? Contact REALTOR® Cyrus Bonnet, the VA specialist, online here or give him a call/text at (253) 343-4910.


Posted on February 14, 2017 at 2:51 pm
Cyrus Bonnet | Posted in Puyallup |

Looking For a Home Near JBLM? Here Are 3 Reasons Why Spanaway is a Top Choice For Those in the Military

Looking for a home that’s close to Joint Base Lewis-McChord? Moving to the JBLM area and scoping out the perfect neighborhood to live in? Looking for realtors around JBLM? My name is Cyrus Bonnet and I am “JBLM’s Dedicated VA & military real estate specialist.” I love helping my military clients find homes that fit their needs when they arrive to JBLM, Many times proximity to JBLM is important, many of my clients want a home 30 minutes to JBLM, 15 minutes to JBLM, or more road friendly and willing to drive an hour to JBLM. Whatever the distance to Ft lewis or McCord air force base I am here to guide you, and not only with distance, but with full service to the VA home buying process.

As a military real estate professional, I have a lot of experience serving those who are new to the area and need to find real estate close to JBLM. Not only am I a veteran but I have used my VA loan many times and have even gone further to get all necessary training to stay up to date. I have many qualifications from various places such as: Military & Veteran Housing Certified, Certified Military Housing Specialist, a Military Relocation Professional, a VA & Military Real Estate Specialist, and I’m a part of the Veterans Association of Real Estate Professionals (plus I served as the Tacoma chapter’s president 2014-2015!)… and more! I also love supporting organizations like the Wounded Warrior Project, War Dogs Making it Home, Paws & Stripes, etc.Since 2013 I have donated over $20,000 to these and other organizations.

(If you’d like to learn more about me, I hope you’ll take a moment to watch the video above and check out my website www.SoldiersAgent.com )

But you’re probably here because you want to learn more about living in Spanaway, Washington. Spanaway borders Joint Base Lewis-McChord, making it a highly desired location for those in the military.

Here are my 3 top reasons why Spanaway is an excellent choice for those in the military:

  1. Spanaway is super close to JBLM.

Like I already mentioned, Spanaway borders JBLM to the east. Depending on where you live in Spanaway, it can take anywhere from 5 to 25 minutes to get to JBLM, which makes commuting a breeze. Spanaway is also close to larger cities like Puyallup and Tacoma, opening up a wealth of options, whether you’re looking for shopping, restaurants, entertainment, services, etc. It’s also in close proximity to Highway 512 and Interstate-5, making it easy to head north toward Seattle or south toward Olympia. It is also filled with many new communities and various builders to choose from. Your dollar takes you further with new homes here than other areas.

  1. Spanaway offers tons of amenities & conveniences.

Pacific Avenue turns into Mountain Highway (both also known as Highway 7) and runs through Spanaway. This main road takes you past a whole host of Spanaway conveniences, including tons of restaurants and fast food options, grocery stores, shops, and several other shopping centers, services, and much more. Thanks to this central area, running errands is efficient, and it’s also easy to stop somewhere to grab dinner on the way home from work!

  1. Spanaway is the gateway to the outdoors.

Not only is Spanaway home to Spanaway Lake, Spanaway Lake Park, Lake Spanaway Golf Course, and other parks, but it’s also in close proximity to hiking, camping, fishing, and many other opportunities for enjoying the outdoors close to JBLM. It only takes 30 minutes to get to Lake Kapowsin for example, a haven of fishing, canoeing, and boating. Several other lakes surround the area as well, ensuring there’s plenty of space to find your special fishing spot. At just 30 minutes from Spanaway, Northwest Trek Wildlife Park is another favorite destination, a fun place to head to for a day for kids and adults alike. Mt. Rainier National Park is less than an hour away from Spanaway as well, offering a myriad of opportunity for taking advantage of the Pacific Northwest’s beauty… all in JBLM’s backyard!


Want to work with a military REALTOR®? Ready to learn about homes near JBLM? Contact REALTOR® Cyrus Bonnet, the VA specialist, online here or give him a call/text at (253) 343-4910.


Posted on January 20, 2017 at 12:09 pm
Cyrus Bonnet | Posted in Uncategorized |

Modern & Move-in Ready 3-Bedroom, 2.5-Bath Townhouse in w/Views in Downtown Tacoma

Nestled in an excellent Downtown Tacoma location and boasting stunning views of the Port of Tacoma and Mt. Rainier, this 2004-built townhouse shows off comfort and convenience at every turn! Inside this inviting townhome, discover a generous 3 bedrooms and 2.5 baths included in the 1,600-square-foot layout. Step outside to find yourself surrounded by amenities, from restaurants and shopping to museums and easy transit options. Located at 1525 S G Street, Tacoma WA 98405 this downtown dream is listed for $204,950.

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A charming yellow exterior welcomes you home, and as soon as you step in through the front door, the welcoming main living area invites you in to relax and unwind. Here, an open-concept layout offers a warm scene ideal for quiet days spent watching movies or lively evenings spent entertaining guests! Plush carpets create a cozy atmosphere, and bar-style counter seating in the open kitchen offers a laid-back spot for a morning cup of coffee or an evening glass of wine.

Just beyond, the living area is ready to be transformed into a haven of rest and relaxation! Sliding doors let in natural light while also leading out onto a deck, showing off space for summertime barbecues and patio furniture. Imagine hosting backyard get-togethers before heading out for a night on the town!

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3 bedrooms include a large master bedroom, complete with a master bath and even 2 separate closets. Enjoy having enough space to stay organized in, and a private haven to call your very own. For even more room, a large bonus room (that could also be used as a storage room) awaits just above the garage.

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Living in Downtown Tacoma

Brimming with things to do and see, Downtown Tacoma is a hub of activity, fun, and convenience! At 1525 S G Street, Tacoma WA 98405, you’re just a few minutes away from all of the amenities of Pacific Avenue. Downtown Tacoma is home to a wide variety of restaurants, including popular choices like Indochine Asian Dining Lounge, Pacific Grill, Harmon Brewery & Eatery, The Matador, The Melting Pot and more! Spend the weekend exploring museums (the Tacoma Art Museum, the Glass Museum, the Washington State History Museum, and the Children’s Museum of Tacoma are all in the mix), or enjoy taking in the scenic beauty of the Thea Foss Waterway.

University of Washington Tacoma is also downtown, and other amenities like hospitals, the convention center, Hotel Murano, the YMCA, and a huge variety of shopping and entertainment options are also within reach. For those who need to commute, it’s easy to hop onto Highway 705 and connect to Interstate-5 whether you’re commuting to Joint Base Lewis-McChord or Seattle, and the nearby Tacoma Dome Station makes it a breeze to take the Sounder Train to nearby cities like Seattle.

Interested in learning more about this listing? Contact REALTOR® Cyrus Bonnet online here or give him a call/text at (253) 343-4910.


Posted on December 23, 2016 at 3:10 pm
Cyrus Bonnet | Posted in Downtown Tacoma Real Estate |

Real Estate Espionage For the Buyer How to find hidden information about a potential home.

 

The internet is the greatest single tool one has at their disposal when looking to purchase a home. Generally speaking, the more time you allocate to researching and fully discovering the type of home that best fits your needs, the more satisfied you will be. Most of the information that you need to know will be readily available on sites like Tulia, Zillow, and Redfin. They have the largest and most comprehensive databases that will give you all the formal information including: current, future, and past price, lot size, school district quality, income levels, etc. These serve as our primary indicators and are the most important statistics we have at our disposal when we are preparing to buy a home. Once you have a type of house in mind including price-point, location(s), and lot-size you can begin using other techniques and tools to better investigate your future potential home.

 

Google Earth

Assuming that you have done a fair amount of basic research and have narrowed down your potential candidates to a manageable number you should begin using Google Earth to further investigate your potential future home. Say you have 8 potential properties you would like to visit and get a feel for their respective neighborhoods. Instead of driving to all of the aforementioned houses and spending valuable time and energy checking out each individual house; Do a little recon and visit each of these addresses online. For instance, look at the backyard and get a visual idea of how much space you have and what you could do with it. In addition, you can visually find out what type of privacy you can expect from your neighbors, their house size, and perhaps any other properties in the area which might come across as suspect. By this I mean perhaps there is evidence of hoarders, un-kept homes, or other unsightly aspects which would be unappealing. Keep in mind that the images from both, Google Earth and Google Maps are taken in the recent past, sometimes up to one year prior from the present. Thus, one can see if there were some major repairs taking place or other features which might raise some questions.

 

Consult Online Registries

               If you have small children or are thinking about having children in the near future you should consult Family Watch Dog before buying a home in a specific neighborhood. The map has a nice widget that allows you to see not only the sex offenders in the area, but also how far they live from each individual school. A quick Google search for pawn shops, gun stores, alcohol stores and other similar types of business should give you a decent idea as to the overall affluence of the area. Check out Urban Spoon to see which type of restaurants are in the area. If you have dogs check out dog parks in the area and perhaps dog friendly restaurants.

 

Blogs

               Blogs are a nice way to find out about a neighborhood before you move there. For instance, if you Google a desired neighborhood and plenty of blogs come up it may be a good indication that the neighborhood has a good sense of community and that it is a healthy place to raise a family. Sifting through the many blogs may also bring up the instances of bad neighbors, loud pets, and other unruly facets that could raise alarm.

 

Junk Removal Companies

               Many people will move before they have an official buyer thus the property may be transferred to a realtor/broker/investor who will hire many different companies to tidy-up the property before official showings may commence. Finding out which company they used could take some recon and persistence, but the potential results may be well worth it. Some people are disgusting and you would not believe the kind of junk they leave behind or live in. For starters look up local junk removal companies and give the first few a call.  To find local companies click here. For extreme cases (legal issues) the company will be forced to call the police in which case the record will, most likely, become public.  In other cases you may want to be made aware of if there were unusual pets, too-many pets, and other instances which could factor into your decision. 


Posted on May 19, 2014 at 4:46 pm
Cyrus Bonnet | Posted in Uncategorized |

Joint Base Living

Is Your BAH Enough to Buy a House?

 ”E-1 to E-4 receive about $1,293/month for BAH with dependents, ” says Cyrus. “If soldiers have  decent credit and not too much debt they usually can use their housing allowance and VA Certificate to buy a home 0 Down.  At today’s rates (3.76%) around a $150,000 home!”…..


Posted on April 26, 2012 at 11:31 pm
Cyrus Bonnet | Posted in Uncategorized |

Joint Base Living

Spanaway Offers Affordable Homes Close to JBLM

One of the top priorities for people who work on base and are looking to choose a neighborhood nearby to live in is commute time. When you’re facing a daily commute along one of our the regions busiest freeways, location is important.  Spanaway is an attractive choice for folks looking for an easy commute to …


Posted on January 19, 2012 at 8:27 pm
Cyrus Bonnet | Posted in Uncategorized |

Military Blog

Warning: The Biggest Mistake VA Buyers Make

New homes need home inspections, too.  Many people assume that because the home they are buying is new that it is in perfect condition. “Not true!” Says Cyrus Bonnet. “The quality of a new home is only as good as the subcontractors who worked for the builder………


Posted on January 19, 2012 at 8:17 pm
Cyrus Bonnet | Posted in Uncategorized |

PCSing?

I can find you a quality agent wherever you go!

I am a member of the Military Referrals Network which allows me to contact agents in the area you PCS too that are familiar with military moves, relocation, and programs that help soldiers as well. I make sure to find you the perfect agent for your needs!

Additionaly anyone you refer to me wether they pcs to here or to another duty station. I give you a $50 gift card of your choice!

Contact me today to get started!


Posted on October 22, 2011 at 4:37 pm
Cyrus Bonnet | Posted in Uncategorized |