Whidbey Island Spring Gardening Tips
Contributed by Si Fisher
As springtime tiptoes onto Whidbey Island, seasoned green thumbs and aspiring gardeners alike can't help but feel the irresistible urge to get their hands dirty. Welcome to our little slice of horticultural heaven, where the promise of sun-kissed tomatoes and fragrant herbs is just a trowel's depth away. Whether you're a seasoned pro or a wide-eyed newbie, join us on this whimsical journey through the trials and tribulations of Spring gardening on Whidbey Island.
Whidbey Island Spring Gardening Tips
(6 Tips for a successful Whidbey Island Garden)
Tip #1: Understanding the Climate on Whidbey Island and Choosing the Right Vegetables
Whidbey Island boasts a temperate climate that provides favorable conditions for a variety of cool-season vegetables. With mild winters and cool summers, plants such as peas, lettuces, collards, kale, cabbage, broccoli, and Brussels sprouts can thrive in this region. These vegetables are well-adapted to the area's weather patterns and can be grown with relative ease, making them perfect choices for both beginner and experienced gardeners.
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On the other hand, heat-loving vegetables, such as tomatoes, corn, melons, and peppers, may present more of a challenge on Whidbey depending on the microclimate in which your garden is located. These plants require longer growing seasons and warmer temperatures, which can be more difficult to achieve in this region. However, don't be discouraged! With careful planning, the right varieties, and some extra attention, it is still possible to successfully grow these vegetables. Be prepared to invest additional time and effort into their care, as well as research methods to help them thrive, such as using greenhouses, cold frames, or other season-extending techniques.
In summary, understanding Whidbey Island’s climate is crucial for choosing the right vegetables for your garden. By selecting cool-season vegetables and providing extra care for heat-loving plants, you can create a thriving vegetable garden that will yield a bountiful harvest.
Work with a local Realtor® to help find your slice of gardeners paradise
Tip #2: Preparing the Soil for a Successful Garden
A successful garden starts with good soil. Healthy, well-draining soil provides essential nutrients, water, and oxygen to your plants, creating an environment in which they can thrive. In this section, we'll discuss the importance of good soil, the soil types commonly found on Whidbey Island, and how to improve your soil or opt for alternative gardening methods.
The quality of your soil can significantly impact the growth and yield of your plants. Nutrient-rich soil allows plants to develop strong root systems, leading to healthier, more productive plants. Good soil also provides the proper balance of water retention and drainage, ensuring that your plants receive the right amount of moisture without becoming waterlogged.
On Whidbey Island there are two common soil types: sandy/rocky soil and hard clay soil. Both of these soil types can present challenges for growing vegetables, which generally prefer a rich, loamy, well-draining soil.
To improve your native soil, start by conducting a soil test to determine its current nutrient levels and pH. Based on the test results, you can add necessary amendments to improve the soil's structure, fertility, and pH balance. This may include adding organic matter, such as compost or aged manure, as well as specific nutrients or minerals, like lime for acidic soil or sulfur for alkaline soil.
If improving your native soil seems too daunting or time-consuming, consider alternative gardening methods like raised beds or container gardening. Raised beds involve building a frame and filling it with a soil mix specifically designed for gardening, while container gardening involves growing plants in pots or planters. Both options allow you to control the soil quality and eliminate the need to amend native soil.
When using raised beds or containers (Galvanized Raised Garden Bed Kit) , you can opt for pre-mixed soil products designed for gardening, such as FoxFarm Ocean Forest Potting Soil Mix. These products typically contain a balanced mix of nutrients and organic matter to support plant growth. However, it's essential to research the specific needs of the plants you're growing, as some may require additional fertility. Additionally, if you plan to use the same soil for multiple years, you'll need to consider crop rotation and replenishing nutrients through amendments or organic matter.
By understanding the importance of good soil and taking the necessary steps to improve or select the right soil for your garden, you'll create a strong foundation for a successful vegetable garden on Whidbey Island.
Tip #3: Choosing What to Grow in Your Whidbey Island Garden
When planning your vegetable garden, it's important to select plants that align with your family's preferences, available space, and gardening goals. In this section, we'll discuss how to choose the right vegetables to grow, taking into consideration factors such as personal taste, space constraints, and the desire to try something new.
Start by evaluating the vegetables and fruits your family enjoys eating the most. Take a look at your fridge and pantry to identify the produce items you purchase regularly. Growing your favorite vegetables will not only make the gardening experience more enjoyable but also ensures that the produce you harvest will be put to good use.
Consider the space you have available for your garden, as well as the time you can dedicate to gardening tasks. Some vegetables require more space or maintenance than others, so it's essential to choose plants that will fit your garden's dimensions and your schedule. Be realistic about your gardening capabilities and prioritize plants that suit your needs.
Reflect on your past gardening experiences and identify the vegetables that you've had success with in the past. Prioritize growing these plants, as they are likely well-suited to your region and gardening style. Additionally, consider purchasing vegetables that are readily available and inexpensive from local farmers, especially if they require more space or are more challenging to grow. This approach allows you to focus on the plants that you know you can grow successfully and enjoyably.
Purchase goods from local farmers, bakers, fermenters, cooks, and makers from Whidbey Island using the:
THE WHIDBEY ISLAND GROWN COOPERATIVE FOOD HUB!
If you have a favorite vegetable or fruit that is difficult to find at the grocery store or farmer's market, consider growing it yourself. This could be a fun and rewarding opportunity to enjoy produce that you otherwise wouldn't have access to. Some examples of unique plants that could be grown on Whidbey Island include hardy kiwi and ground cherries.
Gardening is an ongoing learning process, and it's important to embrace experimentation and trial and error. Try growing a variety of plants to see which ones thrive in your garden and which ones struggle. This experience will help you refine your garden plan for future seasons, ultimately leading to a more successful and satisfying gardening experience.
By assessing your family's preferences, taking space and time constraints into account, and prioritizing vegetables based on your personal success and local availability, you'll create a garden that is both enjoyable and productive. Don't be afraid to experiment and learn from your experiences; with time and practice, your Whidbey Island garden will flourish.
Tip #4: Deciding Between Seeds or Starts for Your Whidbey Island Garden
One of the key decisions you'll need to make when planning your vegetable garden is whether to grow plants from seeds or purchase starts (young plants). Both options have their advantages and challenges, and the choice ultimately depends on your gardening experience, available time, and personal preferences. In this section, we'll discuss the benefits of using starts, the types of vegetables that do better from seed, and the pros and cons of starting seeds indoors.
For those new to gardening, using starts can be an excellent way to gain experience and confidence in the garden. Starts are young plants that have already begun growing, making them more likely to thrive and produce a harvest. This can be especially helpful for beginner gardeners, as it allows them to focus on learning essential gardening skills without the added challenge of seed starting.
There are a couple great places to get plant starts here on South Whidbey including:
Venture Out Nursery
Some vegetables are better suited for direct seeding in the garden rather than transplanting from starts. Carrots, beets, and other root vegetables tend to perform better when grown directly from seed, as transplanting can cause damage to the delicate root systems. Peas and beans also do well when directly sown in the garden.
Starting seeds indoors offers several advantages, including a longer growing season for heat-loving vegetables like tomatoes, peppers, and melons. However, starting seeds indoors also requires additional resources, such as grow lights and trays or pots, and can be more labor-intensive. For those who are up for the challenge, starting seeds indoors can be a rewarding and cost-effective way to grow a variety of vegetables on Whidbey Island.
If you decide to start your own seeds, there are numerous resources available to help guide you through the process. Many gardening websites, blogs, and YouTube channels offer detailed instructions and tutorials on seed starting, covering topics such as choosing the right seeds, providing proper lighting and temperature, and transplanting seedlings into the garden. Venture Out also offers videos and other educational materials to support you in your seed starting journey.
Ultimately, the choice between seeds and starts will depend on your gardening goals, experience, and available resources. Whichever route you choose, remember that gardening is a learning process, and with time and practice, you'll be able to grow a bountiful and enjoyable garden on Whidbey Island.
Tip #5: Timing Your Planting for a Successful Whidbey Island Garden
Planting your vegetables at the right time is crucial for a successful harvest. Timing your planting ensures that your plants have the best possible conditions for growth and are less susceptible to damage from frost or pests. In this section, we'll discuss the importance of understanding frost dates, calculating the latest planting times, and utilizing planting calendars and local resources for guidance.
Frost dates are essential to consider when planning your vegetable garden, as they provide a guideline for when it's safe to plant outside. The first frost date marks the beginning of the growing season, while the last frost date indicates when frost is no longer expected. Knowing these dates for your specific region helps you determine the optimal planting window for each vegetable. To find the frost dates for your area, consult local resources. We have a lot of microclimates on Whidbey Island, and the online tools are not always accurate for our local communities. Reach out to a local nursery, local community gardens, or even your friendly neighborhood gardeners for more localized information about this. I have heard many locals talk about the 1st of May as a safe date from frost, but it’s important to check for your specific area.
When selecting vegetables to grow in your garden, it's essential to consider the length of time they take to grow and ripen. This information, often found on seed packets or plant labels, will help you calculate the latest possible planting date to ensure a successful harvest. Start by identifying the number of days to maturity for each plant and counting backward from the last frost date. This will give you the latest planting date, allowing for a full growing season before the risk of frost returns.
Planting calendars can be invaluable tools for planning your Whidbey Island vegetable garden. These calendars provide a month-by-month guide to sowing, transplanting, and harvesting various vegetables, tailored to your region's climate and growing conditions. Local resources, such as the Deep Harvest Farm - planting calendar for the Pacific Northwest, are particularly helpful as they take into account the unique weather patterns of the area.
Additionally, don't hesitate to seek advice from local experts, such as Master Gardeners, nursery staff, or farmers. These individuals have firsthand experience with growing vegetables on Whidbey Island and can offer valuable insights and tips for timing your planting. Many gardening groups and online forums also provide a wealth of information and support for gardeners of all experience levels.
By understanding frost dates, calculating the latest planting times, and utilizing planting calendars and local resources, you'll be well-equipped to plan your vegetable garden for a successful growing season on Whidbey.
Tip #6: Planting Your Garden for Success on Whidbey Island
Once you've prepared the soil, chosen your vegetables, and timed your planting, it's time to get your hands dirty and start planting your garden. In this section, we'll discuss essential tools for successful planting, following planting instructions for each vegetable, watering considerations, and investing in a quality irrigation system.
Having the right tools at your disposal can make planting your garden a more efficient and enjoyable experience. Some essential tools to consider include a small hand shovel, a hori hori, a larger shovel for bigger plants, a garden fork, gloves, and a stool or knee pads for added comfort. As you gain experience, you may discover additional tools that cater to your specific gardening needs and preferences.
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High Rated Hori Hori Knife on Amazon
Extra Thick Kneeling Pad on Amazon
It's important to follow the planting instructions for each vegetable to ensure optimal growth and a successful harvest. These instructions, typically found on seed packets or plant labels, provide valuable information about planting depth, spacing, and proper watering techniques. By adhering to these guidelines, you'll give your plants the best possible chance to thrive in your Whidbey Island garden.
Proper watering is crucial for the health and productivity of your vegetable garden. On Whidbey Island, where the weather is cool and moist, it's essential to strike a balance between providing sufficient water for your plants while avoiding conditions that promote fungal growth. To achieve this, consider using soaker hoses or ground-level watering methods to minimize wetting the plants themselves. Ensuring adequate space between plants for airflow also helps reduce the risk of fungal issues.
A well-planned, high-quality irrigation system can save you time and effort while maintaining optimal moisture levels for your plants. By investing in an irrigation system tailored to your garden's needs, you'll be able to provide consistent water to your plants without overwatering or wasting resources. Additionally, a reliable system can help you maintain your garden's health during periods of drought or when you're away from home.
Automatic Drip Irrigation Kits with Garden Timer on Amazon
With the right tools, proper planting techniques, and an effective watering strategy, you'll be well on your way to planting a successful vegetable garden on the island.
Conclusion: Cultivating Success in Your Whidbey Island Vegetable Garden
New gardeners, take heart! Embarking on the journey of growing your own vegetables is both exciting and rewarding. Remember, every gardener starts as a beginner, and learning from experience is crucial. Embrace the challenges and celebrate your successes, using setbacks as opportunities to learn and improve your skills. As you progress, you'll find that gardening is not only a hobby but a deeply fulfilling and meaningful way to connect with the earth and engage with the world around you.
Whidbey Island boasts a thriving community of farmers, community gardening projects, and passionate hobbyist gardeners. This supportive environment is perfect for nurturing your gardening aspirations. To find the ideal spot for your island garden, work with a local Realtor® who can help you discover your very own piece of gardening paradise. Begin your journey today and immerse yourself in the vibrant Whidbey Island gardening community.
Get connected with other farmers and gardeners on the island use the links below:
Article contributed by:
Si Fisher
Best places to go see EPIC Christmas lights
Whidbey Island 2022
Contributed by Si Fisher
If you're looking for a festive way to get into the Christmas spirit, then look no further than our curated list of the best places to see EPIC Christmas lights on Whidbey Island! There are plenty of places to go see some truly spectacular Christmas lights on the island, and we've got all the details for you here. So grab your friends and family, and get ready to be dazzled!
First let's talk about the two most EPIC light displays on Whidbey Island
(One on the South end and one up North)
1. The Beck Family Drive-Through Christmas Lights Display
The Beck Family display is truly one of legend. We are excited to be welcomed back this holiday season. The display is located on the South end of Whidbey at 6504 Robin Lane in Clinton. They boast over 30,000 lights and even include a radio station you can tune into and enjoy some music with the show. How cool is that?
Now through December 31st from 6 pm to 9 pm daily. Thank you Beck Family!
Want to find a home in a neighborhood that is known for its decorations during the holidays?
2. The Hastie Lake Christmas House
2379 Hastie Lake Road, Oak Harbor, WA
On the North end of Whidbey Island, Oak Harbor is a fantastic place to tour if you want to see a variety of great neighborhoods with lights, but one display tends to be a local favorite. That being The Hastie Lake Christmas House.
This is a one-family production, and they spend all year planning and around 10 days setting up the incredible display. Every installment offers something to admire, and they love hearing what it means to those who come by to see it.
Visitors can marvel at the lights from NOW until Christmas night, with a special Christmas Eve experience featuring Santa, the Grinch, music and snow machine (weather permitting). A walking trail is also available, giving guests an up-close view of the displays — just make sure to stay on the path and not step over, through or around any figures/lights due to electrical cords and guide wires.
A mailbox for Santa will also be present where you can drop off your Santa letters! If you leave a name and address, who knows… maybe he’ll write back.
If you visit the lights this year, the Hastie Lake family would love to hear your memories and see your photos! Share them either on their page or by using the hashtag:
#Hastielakechristmashouse
If the two EPIC light displays above aren't enough to satisfy your holiday merriment needs, how about a full tour of displays in Oak Harbor?
Every year a wonderful Whidbey local, Carrie Stucky, puts together a super handy personally curated tour of the best places to see Christmas Lights in Oak Harbor for you to follow! Thanks Carrie!
CLICK HERE TO GET A PRINTABLE VERSION OF THE MAP
Below are also some notable mentions for Coupeville and South Whidbey:
Coupeville:
South Whidbey:
- Bayview Farm & Garden (They have their golden arch lit up and also a great place for holiday gifts)
- Santa in your Neighborhood?!? Keep an eye out for a particularly festive fire truck if you see it in your neighborhood. If you hear a siren it could mean candy awaits you!
The holiday season is a time where families come together to celebrate and share memories. We hope this guide allows you to do just that.
Happy Holidays!
Article contributed by:
Si Fisher
Whidbey Island Holiday Shopping Guide 2022 
Contributed by Jessica Hart
Can you believe the holiday season is here? To celebrate the holidays approaching I've rounded up some of my favorite local shops to help you find the perfect gifts for everyone on your list. It's so important this year (and every year) to support the small businesses in our community, and I'm so excited to share my favorite places with you.
Whidbey Island Holiday Shopping Guide 2022
1. 3 Sisters Market
Your local family market & grocery. 3 Sisters Market has been proudly serving our community with quality meats and local goods since 2013.
Work with a local Realtor® who can find you a dream home close to the best local spots
2. Madrona Supply Co
From screen-printed home goods and apparel made in-house to a room filled with local wood slabs for custom projects, we’ve got something to love for everyone. Plus we serve as the HQ for our sister company Turnco Wood Goods .
3. Sweet Mona's Chocolate Boutique
We sweeten the world with outstanding chocolates, outstanding people, and outstanding service.
4. Bayleaf
We are a enthusiastic team of food and wine lovers who want to share our latest discoveries with you! So much more than a store, bayleaf will forever be your home for exceptional quality, amazing delights, and helpful, friendly people. .
5. Bayview Garden
Bayview Garden has been in the business of loving and nurturing plants for 30 years and has been on the forefront of plant education and conservation for just as long. As a multi generational pursuit, the roots run deep and the care for the connection between plants and people even deeper.
Article contributed by:
10 Tips to Help Winterize Your Home on Whidbey Island
Contributed by Si Fisher
As winter approaches, it's important to take some steps to prepare your home for the colder weather. This can save you big bucks on the heating bill, and as a homeowner we all know how important it is to maintain the greatest investment we have and protect it from potential damage.
Here are 10 tips to help you winterize your home on Whidbey Island
(Tip #10 might be the most important when living on Whidbey Island, don't miss it!)
1. Seal windows and doors to keep the cold air out, and replace weather-stripping.
Small leaks can reduce your home's energy efficiency by as much as 30% annually! This leakage can be significantly reduced with some straightforward and affordable caulking of windows and weather stripping on doors. Below are a couple videos that will help you if you want to take on these projects yourself.
Work with a local Realtor® who has a rolladex of local vendors to help with home projects!
2. Add or Install insulation in the attic or crawlspace
The attic is where insulation is most useful.
Unfortunately, the attic insulation in the majority of homes is either nonexistent or inadequate. The U.S. Environmental Protection Agency recommends that attics have at least R-38 insulation, which is generally 10 to 14 inches deep.
The hot air in the rooms below won't be able to enter the attic if the attic floor is adequately insulated. Caulking any ceiling penetrations—holes around pipes, ducts, and wires—as well as installing an insulated cover over the attic hatchway or stairs are equally crucial.
You could also look into getting your crawl space insulation on lock as well!
Check out this article for tips on crawl space insulation:
Or this video for installation tips:
3. Cover windows with heavy curtains or use plastic sealing kits to keep heat in.
In the winter, even the greatest, tightest-sealing windows seem a little chilly. Cover windows with insulated shades, heavy or thermal insulated curtains, or you can also get easy to install plastic shrink kits to make spaces seem warmer.
Highly Rated BUDGET Thermal Curtains on Amazon
4. Check Your Fireplace
Creosote accumulation or animal nests might be dangerous in your wood-burning fireplace. Before lighting the first fire of the season, have an annual inspection. In addition to creosote the chimney can accumulate soot and other waste that an inspection will help identify.
An inspection can tell you wether or not your chimney needs to be cleaned, and if it is needed, it's best to have a professional get the job done. Additionally, clean out any ash that has accumulated in the firebox using a vacuum or broom.
Likewise, regular cleaning and maintenance are needed for an electrical or propane fireplace. To maintain your model running smoothly and safely, follow the manufacturer's instructions.
Are you the DIY type? Below are some links for chimney cleaning supplies, and a how to video:
Chimney Cleaning Supplies on Amazon
Electric Fireplace Insert on Amazon
5. Clean your gutters and downspouts
Gutter cleaning is a crucial aspect of getting ready for winter. As soon as the last of the autumn leaves have fallen, it's a good idea to get the gutters cleaned. Examine and clear the gutters of leaves and other debris to avoid clogs. Additionally, clear gutters will enable appropriate drainage of melting snow.
Gutter guards are an option to consider if you want to prevent gutter cleaning. They can be manufactured of polyvinyl chloride (PVC), aluminum, or stainless steel and help keep leaves, pine needles, grit from roofs, and other debris out of your gutter. To maintain the guards' full efficiency, they periodically need to be brushed off, but this is not as laborious as regular cleaning.
6. Disconnect hoses from outdoor faucets and drain them properly
Remember to disconnect and drain all exterior hoses and irrigation. You don’t want them damaged! In addition, it is wise to cover your outside faucets to prevent pipes from bursting. They are pretty easy to install.
Deluxe Faucet Protector on Amazon
Standard Faucet Protector on Amazon
Blowout Valve Adapter on Amazon
Male to Male Adapter on Amazon
7. Change the furnace filter every 3 months
A clean filter helps improve the efficiency of your furnace. The airflow is obstructed by a filthy filter that has dust, pollen, lint, and other debris trapped inside of it, which makes your furnace work harder to heat your house. Filters should be changed at least every three months.
Same goes for your HP-mini split, except most filters only need to be replaced once a year. They can also be cleaned regularly (at least once a month), to improve efficiency.
8. Check roof for missing or damaged shingles
Again I must reiterate how important it is to protect your most important investment. There are few things worse than a damaged roof that leads to water damage! So, get up there yourself to check for damaged shingles, or pay a professional to take a look.
Best Marshalltown Trowel on Amazon
4-Pieces Pry Bar Set on Amazon
9. Add a layer of mulch to your garden beds to protect plants from frostbite
Protect your beautiful plants & landscaping! Adding a layer of mulch can protect some plants from frostbite, but you may even have potted plants you want to bring indoors for the winter.
They also offer cheap hoop house kits on amazon that are great for a little winter gardening!
Greenhouse Hoops for 3ft or Wider Grow Tunnel on Amazon
You can also check out these cheap DIY hacks to protect your plants in Winter:
10. Consider investing in a generator or make sure your existing one is well maintained and ready to go
On Whidbey it is pretty much inevitable that we will see some winter power outages. If you rely on electric heating, your home's temperature will drop quickly throughout the winter, posing a serious threat to everyone's safety, especially when it drops below freezing. Even as the storm rages outside, a generator can keep your furnace running or at least a space heater or two, until the main power is restored, keeping you warm and cozy. Other benefits include charging your mobile devices, powering your internet router and wifi, and making sure your fridge/freezer continue running as needed.
2350-Watt Portable Inverter Generator on Amazon
1500W Ceramic Personal Heater on Amazon
7000-Watt Inverter Generator on Amazon
24kW Home Standby Generator on Amazon
One might think it goes without saying, but for safety reasons it is worth mentioning that if you are using a generator, it needs to be ran outside to avoid getting carbon monoxide poisoning which can be lethal. You also might invest in getting a cover to protect your outside generator from the elements.
Article contributed by:
Si Fisher
Should I wait for mortgage rates to go down?
Contributed by Si Fisher
Homebuyers, are you ready to take the next step but feeling unsure with rising interest rates? Mortgage rates have indeed increased significantly over this past year. But don’t worry because Windermere Whidbey is here for all your needs! We've compiled a wealth of information that can help you make an informed decision when it comes to buying a home in 2022 and beyond - just keep reading below:
First, let’s look at some historic mortgage rate data to put things in perspective. During the Covid pandemic, mortgage interest rates reached all-time lows in 2020 and 2021. Mortgage rates were pushed below 3% and were kept there thanks to emergency measures taken by the Federal Reserve. However, if you look at the chart below you will see that throughout 2022 we have seen interest rates gradually rise.
While this may appear scary, I want to provide one additional piece of information that will give you even more perspective. Examine the chart below:
The graph above certainly tells a different story. Despite recent increases, 30-year mortgage rates now are still below the historical norm. With that being said, a 3% rate does seem a lot more appealing than a 6% or higher rate. Especially when you look at how this will affect your purchasing power.
Contact a local expert about financing your next home
How Will Rising Mortgage Rates Impact a Home Buyer’s Purchasing Power?
Let's say you want to purchase a property for $400,000, and you want to keep your monthly payment at or below $2600. Here is how your spending power may alter if mortgage rates rise, see the chart below.
Are Mortgage Interest Rates Going to Continue to Rise or Go Back Down?
The short answer is that the direction interest rates will go is nearly impossible to predict. According to most experts on the subject, rates may continue to rise for a while as the FED attempts to get inflation under control. However, if we see the rising interest rates start to cause a recession, they might lower. Again, nothing is certain on this front and the rates are dependent on too many frequently changing factors to have a guaranteed prediction.
Conclusion: Should you wait for mortgage rates to go back down before purchasing a home?
If you are a renter who is currently trying to decide if you want to purchase a home or wait on changing rates, I just want to share one image with you:
In essence, it is accurate to say that the cost of purchasing a property has increased since last year. The distinction is that homeownership also involves building equity over time, which will increase your net worth.
It makes little sense for a borrower to attempt to time their purchase based solely on interest rates in this market. Regardless of current interest rates, our best recommendation is to wait to purchase until you are financially prepared and able to afford the property you desire.
Keep in mind that your mortgage rate won't be fixed in stone. Homeowners can always refinance later if rates drop sufficiently to reduce costs.
Final Thoughts:
Situations vary from person to person. Working with a real estate adviser to weigh your options is what can help you make the best choice possible, and it just so happens we have an office full of highly trained real estate professionals. Don’t hesitate to reach out if you have any questions about the buying or selling process.
Article contributed by:
Si Fisher
What Is an Adjustable-Rate Mortgage (ARM)?
Contributed by Si Fisher
It’s no secret that interest rates have continued to rise, and are now substantially higher than even just 3 months ago. For this reason, different loan products are coming back into “fashion”. As a buyer it is important to understand the options available to you when financing your home. That’s where we come in! In this edition of “Home Buyer Education” we are going to answer the question “What Is an Adjustable-Rate Mortgage (ARM)?”
What Is an Adjustable-Rate Mortgage (ARM)?
An adjustable-rate mortgage, or ARM, is a type of home loan that starts with a fixed interest rate for a specified period of time, typically five years. After that initial period ends, the interest rate will adjust annually based on current market conditions. Because the interest rate can change over time, your monthly payment may go up or down.
An ARM can be a good option if you plan to own your home for only a few years, since it typically offers lower interest rates than a fixed-rate mortgage. It can also be a good choice if you expect your income to increase in the coming years, which will help you afford any potential increases in your monthly payment. However, if market conditions cause interest rates to rise sharply after the initial fixed-rate period ends, you could end up paying more than you would with a fixed-rate mortgage.
Be sure to ask your lender about how often and by how much the interest rate on an ARM can change. You should also make sure you understand how the payments will change if rates rise or fall. That way, you can be sure an ARM is the right choice for you before you apply for a loan.
Contact a local expert about financing your next home
Different Types of Adjustable-Rate Mortgages (ARMs)
Payment-Option ARM:
With a payment-option ARM, you will have the freedom to select your monthly payments, including interest-only payments and minimum payments that don't cover interest. When interest rates rise, these loan options can potentially land homebuyers in trouble.
Interest-Only ARM:
In an interest-only ARM, you only make interest payments only for a certain amount of time before beginning to make principle payments as well. When the delayed principal payments are added in, your payments will increase. Also the longer the introductory period is, the more this increase will be.
Hybrid ARM:
A hybrid ARM begins with a fixed-rate introduction phase and then transitions to an adjustable-rate period, as previously mentioned. A hybrid ARM's fixed-rate phase typically lasts three to ten years, and during the adjustable-rate period, rates vary at a predetermined frequency, such as once every six months or once a year.
Pros and Cons of an Adjustable-Rate Mortgage (ARM)
Pros
- You can budget and save money thanks to the low introductory rate before the adjustable-rate term begins.
- If you intend to sell the property in the near future, you can use the sale profits to settle your mortgage before the fixed-rate period expires.
- Your interest rate and monthly payments can go down if the index declines over time.
- You can budget and save money thanks to the low introductory rate before the adjustable-rate term begins.
Cons
- A fixed-rate mortgage can be a preferable choice if you want to reside in the house for an extended period of time.
- Your monthly payments can become unmanageable if you don't know how interest rates will change.
- An ARM makes financial planning more challenging since you can never predict what your monthly payments will be from one year to the next.
- A fixed-rate mortgage can be a preferable choice if you want to reside in the house for an extended period of time.
Article contributed by:
Si Fisher
Great spirits have always encountered violent opposition
from mediocre minds.
~Albert Einstein
Contributed by Jim Tomisser
Einstein probably wasn’t referring to alcohol, but we are! From Cultus Bay Distillery to Whidbey’s several esteemed wineries to the Bunker’s unique collection of rich locally made liqueurs and beyond, Whidbey Island is the place to be.
No good story starts with a salad--in fact, a great story begins at Cultus Bay Distillery, an eclectic brand of in-house hard liquors. This small business is a local, island-bred company that even locals arrive at by word of mouth. Don’t let that fool you though--business is booming here. By the end of this, I hope to welcome you to the elite clientele of Whidbey Islands best-kept spirits.
My wife and I lovingly dubbed her Moonshine Kathy, but a lot of people will know her as Kathy Parks. At her distillery, you’ll find the strongest taste of the island in a little, home distillery run by the most seasoned and charming local.
Kathy’s story is a rare and unique one that resonates with all who hear it. In 1987 the Washington native lost her firefighter husband, Gary, while he was on the job. For about thirty years the mystery of who set the fire that killed him remained unsolved while Kathy and her two daughters mourned the heavy loss and navigated deep-seated grief.
While his family honors his memory via stories relayed to anyone who meets them, Kathy immortalizes him through her business. She thoroughly enjoys giving visitors a tour of the cozy distillery, how she makes the spirits, and the reason behind some of the names given to the various alcohols. One, in particular, stood out to me as I’m sure it does to everyone who stops by.
Kathy’s EFD 81 Whiskey is not only distinctive in name and taste, but it is also a special one in memory of Gary and his honorable work.
Another significant characteristic of Kathy’s distillery is how the spirits are made. They use traditional equipment of their own making to ensure authentic distillery processes. Kathy and her partners’ decades-long experience in the field certainly make Cultus Bay Distillery a business you want to keep on your radar as her customer base increases.
Be sure to carve out extra time for your visit to listen to Moonshine Kathy’s engaging stories and revel in her business experiences straight from the source. You’ll want to bring your wallet too, because if you try to leave with just one of her excellent alcohols you’ll end up leaving with one of everything.
Want to start your own story on Whidbey Island? -->
Home is where the wine is--so just call Whidbey Island home. Spoiled Dog Winery hits the ball out of the park when it comes to places to sip on the island. Follow the path through a short stretch of woods that opens to a sprawling countryside of vineyards, fields, and blue sky! This winery is a great place to sit and visit for hours on end.
They offer snacks and treats of your choice to pair with their wine. Get a taste of all their offerings with a mixed, red, or white flight… or one of each! I personally like the mixed flight because you get a tasting of a white, rosé, and two reds.
Their staff is also very friendly and knowledgeable, and if you’re not a connoisseur, they are very eager to help you decide what you want. Patrick and Jake were excellent advisors and conversationalists on my last visit.
Looking to build your dream home near Spoiled Dog Winery?
The prize for a distinctive destination you’ll never forget, however, goes to Comforts of Whidbey in Langley. The views of sparkling water and surrounding mountains alone are spectacular. Just follow the little dirt road up and over the hill until you happen upon an expansive view of the valley and water below.
Here, they offer tastings from 11 am to 5 pm and full pours after. They offer wine tours throughout the year, and they provide live music on Sundays in the afternoons.
The owners, Rita and Carl Comfort, are the most sociable and engaging owners you’ll meet! While Rita poured during our tastings, I got to hear her story. Her husband is originally from the island, but they met on the other side of the country and lived in Australia for over a decade where they developed a taste for bold reds.
My favorite of their own reds, whose grapes are sourced from locations all over Washington, was the 2018 CMS. This Cab/Malbec/Syrah blend is being served for the first time this year, and according to Rita, may not have been created without the pandemic halting time and limiting resources. It is a miracle COVID baby to be sure!
Their B&B sets Comforts apart from the rest. Each room has a view of Puget Sound, and there is a complimentary flight of wine at check-in. The Comforts make it their mission to help visitors recharge their souls, whether you’re visiting for the day or staying overnight.
This is a popular destination for those looking to tour and buy homes. While the tasting room is only open Thursday through Sunday, Rita is always sure to leave wine and cheese out upstairs for overnight guests on off days. Sign me up!
Now, how about a splash of liqueur? The world-renowned Whidbey Island Distillery--or the Bunker as we islanders call it--is home to some of the top-rated liqueurs in the world. Their boysenberry liqueur, in fact, takes the gold as the top-rated alcohol in the world!
Depending on the season, this distillery also releases exclusive limited edition flavors. Summer’s raspberry liqueur with orange peel, my personal favorite, is to die for and sells out fast. Of course, all their liqueurs go great with their Bunker Rye Whiskey or any mixed cocktail you make at home. Visit the island and try it for yourself with a complimentary tasting!
Are you ready to make your real estate goals a reality?
And if that’s not (in) your cup of tea, Penn Cove Brewing Company is the place to be. They have locations in Coupeville, Freeland, and Oak Harbor--no matter which side you’re coming from, their taprooms are always accessible.
They have a wide selection of brews from Lagers to IPAs to Ciders. Be sure to come back, again and again, to try their seasonal ciders as they change all year round! This season’s was a surprising, unique peach cider that goes down easy and feels like the bittersweet last leg of summer.
In the outside seating area permanently sits the Braeburn food truck whose menu pairs perfectly with the brewery’s drink choices. Chicken waffles, fried chicken sandwiches, and so much more! From appetizers and snacks to full meals, you’ll have plenty to fill your stomach at this cool, casual brewery.
Whether you’re into wine, brews, or something harder, you can’t go wrong here. In a place like Whidbey Island, the good times are endless, and you’re never short of a deeply meaningful, unforgettable story.
Photos and blog entry contributed by:
Jim Tomisser
"I took a walk in the woods and came out taller than the trees."
~Henry David Thoreau
Contributed by Jim Tomisser
Are you willing? To get lost that is. With only one road in and out, a straight shot across the length of the island, it would be too easy to find your way back, but most of us come here to get lost.
If you like to drive, my chosen form of therapy, take an easy detour off 525 through Langley or Coupeville. Here, it’s always only one road to follow until you see a downtown. If you’re more adventurous or want to see what Island Life is like for the people who live here, take yourself down small roads unknown in Clinton and find quietude among the evergreens and in the wilderness.
Heggenes Road off of Dear Lake Road is a good ten-minute loop--fifteen if you’d like to leisurely drink in the scenery. There’s no rush on an unfrequented road. Plus, it spits you back out onto Holst Road, which is simply an extension of Deer Lake Road. From there it’s a straight shot back to the highway.
Often, the path less traveled is the one worth taking. If you’re inclined to step out of the comfort of your car and breathe the fresh cedar air, there are many walking and hiking trails. Winding seamlessly through the trees and open fields, the paths in the South Whidbey Sports Complex are just some of my favorites. For yet another uncomplicated detour from the main road-there are so many possibilities.
These trails in particular off Langley Road provide options and solace for the weary and the restless. Depending on which route you choose, the stamina you have, and what your goals are for getting outside, you can follow the longer trail that circles around the entirety of South Whidbey Community Park--weaving in and out of the forest--or opt for shorter loops that live and breathe among trees and stay within the sports complex area.
Wouldn't you love to live near all these glorious trails? -->
You can’t choose unwisely here, and each trail loops right back into the other. You can choose between five routes depending on your starting point (the park or the complex), and each one is under a mile. The park connector will take you between both parts of South Whidbey Community Park, and the Westling Loop will bring you right back to where you started in the complex.
The park connector, however, is a great place to start for would-be long haulers. It becomes a rather long loop if you take the Waterman Loop detour, giving you something new to look at each step of the way.
There is no end to each path nor the peace and solitude this place has to offer. Feel free to take a picture of the map posted at the beginning of the trails! There’s no getting lost… unless that was your goal for coming out here.
The dense wilderness is a different kind of captivating. For some more nature-immersive trails within the South Whidbey Parks & Recreation District jurisdiction, the Trustland Trails are a short distance up the road. With more than double the loops and dense vegetation, these trails are likewise suited for a wide range of endurance levels. Some run even shorter than the ones located at the Community Park, but don’t be fooled! If you put them all together you can get just as much exercise out of these wooded trails.
For some variety with optional beach views, head further up our beloved 525 toward Coupeville and discover Fort Ebey State Park. Of course, the whole place is a wonder, but Bluff and Kettles Trails are interestingly county-run despite their residence in a state park.
These two in particular model a true island-life marker for the curious visitor and the seasoned local. Be sure to visit the Bluff Trail to traverse the sprawling coastline! Part of this trail is actually privately owned but has been licensed to the county by the owner for hikers’ convenience. If you’re not up for a trail but want the view, take S Ebey Road by car all the way to the water. You can access the Bluff Trail right where the breathtaking overlook is located a couple stairways up from the beach.
For a longer route (nearly four miles round trip), enter through the Kettles Gate and take Kettles Trails through the heart of the reserve. It’s a straight shot to Bluff Overlook if you catch the very end of Campground Trail. If you decide to follow Kettles all the way through you’ll find a rest area and bathrooms. From that fork in the road the distance in either direction is under half a mile (roughly 0.06 or less). With so many options, the overlook is accessible for everyone!
And once you’ve traveled the not so beaten path, a good way to bookend your walk through the woods is a simple, graveled walk through Venture Out nursery. While Bayview Farm & Garden is one of our more traveled hotspots, this nursery offers just as much to folks who love to bring nature home. Amble down these interconnected paths at your leisure while admiring the kind of nature you can call your own. Any direction you walk carves an intentional path through various trees, flowers, and even custom raised flower beds. (The garden gift shop is a bonus!)
Looking to build your dream home near Bayview Corner on Whidbey Island?
Ultimately, no matter your level of experience in the wilderness, Whidbey Island holds space for anyone and everyone. It’s a safe yet exciting place to simply be. It’s easy to navigate, but more than willing to help you escape. It is a stronghold for all who wish to be a new person by the end of the day.
Photos and blog entry contributed by:
Jim Tomisser
- Pick a school and do your 90 hours of course work. At Windermere, we recommend Rockwell Institute because it is consistent and has proven success at getting people prepared to pass the exam. Current cost $489 (January 2021).
- HOT TIP: There is an add on to get sample exams and extra cramming practice. GET IT!
- Do the following steps as you get closer to completing the 90 hours to break up the studying with actions that will prepare you for taking the exam and getting licensed…
- Fingerprints! The closest location to Whidbey Island is in Mt. Vernon. You can schedule your appointment on this IdentoGO site. At the time of this blog post (January 2021), it cost $42.80 for the fingerprints and background check. Go to this DOL site for more info.
- Set up a SAW account (Secure Access Washington) if you haven’t already for your driver’s license. For more info: https://www.dol.wa.gov/business/accountaccess.html
- Register as a student with AMP through psi here https://ampportal.goamp.com/School/SchoolUser/WAREPStudentRegistration.aspx.
- Register for the exam. Cost $138.25 https://online.goamp.com/CandidateHome/examination.aspx?p_category=REAL%20ESTATE&p_client_code=WAREP&p_exam_id=21311
- Once you’ve passed the exams apply for your license! https://secureaccess.wa.gov/myAccess/saw/select.do
* Contact the WA DOL Real Estate licensing department if you need extra help. We recommend emailing them instead of calling for a faster response. https://www.dol.wa.gov/business/realestate/contact.html
Follow these suggestions to get yourself mentally and physically ready to launch your real estate career:
- Pick a brokerage. Interview the top brokerages in your area. Since the real estate exam process doesn’t really give you what you need to serve people or build your own business you want to join a brokerage with a robust training program and ongoing support. Schedule a no-pressure introduction meeting with our brokerage today! Email us at WhidbeyCommunications@Windermere.com to do so.
- Change your phone number to a local area code if it is not already. Nowadays all cell phones have caller ID and everyone is screening calls from out of state numbers. Do not confuse people, all real estate is local and your phone number should be too.
- If you are beginning your real estate career in November or December then now is a great time to start collecting mailing addresses for Christmas cards.
- Read some books. We give one of our favorites out a lot!
- Snoop on the local real estate brokers.
What do you see that you like, what don’t you like? Take note! Social media is one good place to find a broker then check out top brokers’ web pages. If you don’t know any go to the website of the brokerage you’re thinking about, head to the agent’s page, and start clicking links. Ours is right here! - Interview brokers you admire. Take a broker that catches your attention online for a cup of coffee (they really do like it!). Ask them all the questions but more importantly LISTEN. Some suggested questions are…
- What do you like most about being a real estate broker? Least?
- What do you like most about your brokerage? Least?
- What advice would you give someone like me who is just getting into the business?
- Download our guide to 5 things you can do to give yourself a head start here.
PHOTOS BY: Kelsey Kurtis
How the Whidbey Working Artists Began:
In the early 2000s Whidbey Island was a community buzzing with potential and truly coming into its unique identity as an island full of diversity. During this time a small group of North Whidbey artists decided to band together to draw attention to the island’s ever-growing artist community. Thus Whidbey Working Artists was born!
Since 2004 these artists have been opening their studios once or twice a year for the general public to come, explore, and learn about the process of creating beauty. As these tours gained in popularity more and more artists have been included on their roster and today the tour now spans across the whole of Whidbey! Today, Whidbey Working Artists includes over 70 artists working across multiple mediums.
But why open their studios? Their website says it best:
As an organization we believe that opening our studios offers visitors the opportunity to share in the process of how art is created and a glimpse of how artists inhabit their creative space. This shared experience between artists and visitors provides a stimulating creative conversation that enhances the arts while also educating and developing an appreciation for the handcrafted.
This year’s summer tours are scheduled for August 24th & 25th from 10 AM to 5 PM. Come watch as painters manipulate the pigments on their canvas to just the perfect shade of purple, or welders bend metals into shape you never dreamed they could, or watch craftsmen reveal a magnificent creature from beneath the bark of a tree stump.
The Catalog for the 2019 Whidbey Working Artists Tour can be found HERE. Be sure to visit the Whidbey Working Artists Website.
See below for an interactive tour of each artist’s studio!
https://drive.google.com/open?id=13MjVfktCE576d9DBP4xDidcCz-AgbOHI&usp=sharing
You Might Also Like:
Whidbey Open Studio Island Transit Tour – 2019
Making a Memorable Home
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