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Ryan's Real Estate Tip of the Month 

Not Just for First-Time Buyers

   Though Yogi Berra wasn’t talking about financing a home, he was correct that “It ain’t over till it’s over.” Lenders are super-cautious these days, sometimes doing a “rapid re-score” on the borrowers’ credit the day of closing. Any change and the lender may re-underwrite the loan, delaying the closing or detonating the transaction.

   The moral is, even after you’ve received a loan commitment, or are on the eve of closing, don’t think it’s safe to take advantage of the furniture store’s zero interest offer or incur even an insignificant new debt.  Don’t add your spouse to a credit card, don’t cancel any cards, don’t make any changes until after closing—you’d be surprised at how minor things affect your score. Seriously.  Lenders can and do pull funding after all the docs are signed.

Susan Ryan bio:

A Realtor® and Associate Broker with the Bellevue office of Coldwell Banker Bain (#1 in the world!),  I am locally, nationally, and internationally certified as a luxury home marketing specialist, a designation achieved by only 4.6 % of worldwide Coldwell Banker associates. My real specialty, however, is providing warm, personalized serviced, minimizing the stress of buying or selling a home, coupled with extensive market knowledge and unparalleled client representation.

I have a degree in psychology from San Diego State University (Go Aztecs?) and have done graduate work in law and fiction writing, a natural combination. My favorite combination-love houses, love people-is what makes me so gosh darned good at real estate advice and representation.

Since my business is referral based, I ply my trade from the Cascades to the Sound. My own home is on the Eastside, where I raised my two daughters (alumnae of the golden triumvirate of public education: Clyde Hill Elementary, Chinook Middle School, Bellevue High). I continue to volunteer at Bellevue High, designing and constructing costumes for their fabulous drama productions.

Speaking of construction, I am a toolbelt-wearing, addicted home remodeler, who pounds nails for Habitat for Humanity as well.

I am affiliated with these organizations:

Women's Council of Realtors

National Association of Realtors

Washington Association of Realtors

Seattle King County Association of Realtors

Coldwell Banker Bain Relocation Services

Northwest Multiple Listing Service

Habitat for Humanity

League of Women Voters

Toastmasters

Bellevue Downtown Association

Coldwell  Banker Previews International

Coldwell Banker Bain - Bellevue Way