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Every time a neighbor’s house sells, it often affects the value and potential sales price of your home. If you would like a report of recently sold comparables in your neighborhood, CLICK HERE for a FREE & FAST report.  Report includes both exterior & interior photos, and you should receive in under 5 minutes.

Recent nearby sales of comparable homes are the most accurate way to determine how your home would be positioned in the market. There are ways to do this that are better than other ways to gain the most profit. It takes timing, effort, presentation expertise, and strategic analysis to be ready at top levels so your home shows its strategic best TO get top dollar. Do NOT miss out on how to do that. Prettifying the house is not the goal. Autobot trendy staging is not the goal. There are ways to present properties in person and digitally that aren’t just prettifying but strategic. Also, getting a buyer is not the goal. Getting a lot of buyers competing is the goal. Don’t leave money behind ignorantly to “save” money! Contact me if you want to sell this year and make the most possible money. Not all Realtors are equal. I am all about seriously winning for my clients and doing that together because that’s what it takes. I’m not about just lamely “getting a sale.” I am ALL IN with my clients.

Hope you find the free report helpful! Click that link above to get started!

-C | H | R

Could now be a good time to sell your home? The Dow Jones Industrial Average is just under 25,000.  Deputy chief economist Len Kiefer announced a positive economic outlook saying “Treasury yields are higher and the economy has strengthened since December”.  As a result, and as I projected in my fall blog, interest rates on a 30 fixed mortgage have gone up; and they’ve gone up 48 basis points since January.  When this happens, historically the real estate market slows, however not this time.  Coming off of a strong 2017, there still wasn’t enough inventory to meet the demand of the buyer community.   “We think the strength of the economy and pent up housing demand should allow the U.S. housing market to post modest growth this year even with higher mortgage rates” Kiefer goes on to say.  Along with interest rates and buyer demand, home prices have also been going up, showing an increase of 7.1% over the last year.  That means your $350,000 home will now sell for roughly $375,000.

For so many people, the equity they have in their home is a big part of their net worth.  I always tell my clients, I don’t determine the price of your home nor does the consumer, the market dictates the price of a home.  So we are in a unique moment in time where while rates have increased, so too have the number of qualified buyers and the value of your home; yet inventory remains low.   Right now, you have an opportunity to perhaps be one of just a few, perhaps even the only home for sale on your street or in your neighborhood!  What does this all spell out?  Well, if you’re a home owner that is looking to downsize, now may be a very good time to list.  If you are a homeowner and are looking to go bigger, you may also consider listing because rates are still very low, but are climbing.  I recently had a client say, “if I list now, I may get more money from the sale of my home, but I’m also going to pay more for my next home!”  My response was simple: “use a mortgage calculator and plug in 4.5%, 5%, 6% and 7% because in doing so you will see the impact mortgage rates will have on your decision making.  All I’m saying is that if, in the back of your mind you have considered selling, you should have a market analysis done on your home, be presented with the facts and make an educated decision.  I’ve seen the cycle of real estate for many years; too many people wait too long, in hopes to max out their equity, which is extremely difficult to project.

Tax Cuts & Jobs Act:  How will the new tax laws affect you? Part 1:  The new brackets

Part 2:  Deduction Changes

Part 3:  The Big Winners

Disclaimer: The examples provided are for illustrative purposes. Individuals should consult a tax professional regarding their unique financial position

The Brackets: In comparison to the old tax brackets, the new rates are slightly lower and the brackets are broader.  In simple terms, the new tax brackets as a whole, will save most people some money, which is always great.  What’s important to look at is where you were last year (what tax bracket) and if this year was a mirror image, what would happen under the tax cuts and jobs act.

For example, if you were filing single and earned $157,000 under the new tax brackets, you would pay 24% in taxes, or $37,680, giving you a net of $119,200.   Last year you would have paid 28%, ($43,960) netting you $113,040.   So now in 2018, you have $6,160 more in your pocket.  That’s a new car payment, a vacation or money you can put into a retirement account, all good stuff that will trigger spending and/or investing which boosts the overall economy.  However, by making just 3,000 more, $160,000, you fall into the 32% tax bracket in 2018 and were still in the 28% bracket in 2017.  So by making $3,000 more, you only bring home $108,800 in 2018 ($160,000 – $51,200 )versus $111,200 in 2017.  In this case, you took a 4% hit in net income ( 2017 income on 160k= $111,200 vs. 2018: 108,800).  In that scenario, you would earn $2,400 less under the new tax brackets.

Here’s another quick example:

Johnny made $40,000 as a single tax payer in 2017.  His tax rate was 25%, paying $5,739 in taxes.  Under the 2018 tax bracket, Johnny is now only paying $4,740 in taxes (22%), giving him an extra $999 to save or spend.  That’s just on the tax bracket side of things as Johnny will also benefit from the increase in standard deductions.

As you can see in the diagram, they have doubled the standard deductions and eliminated the personal exemptions.  Being that 70% of American’s don’t itemize their deductions, this is also an added savings for most.


Tax brackets, rates and credits play a large role in how much a taxpayer will pay, but the amount of taxable income plays an EVEN BIGGER role.  So here’s a very simple reference for my readers to know and understand about the new law:

This means you don’t have to file a schedule A.  That said, you may want to continue to track your expenses so you know whether or or not the standard deduction or itemized deduction process favors you more.

Fully eliminated:

Limitations put on old deductions:  it’s very evident, one is encouraged to use the new standard deductions offered vs itemization.  If you’re one of the 30% of American’s that used itemized deductions, you need to know what has been modified or eliminated.





The Biggest Winners of the Tax Cuts & Jobs Act:  Businesses

There are two primary types of businesses:

Corporations “C-Corps”:

With the intent to create more jobs and keep American businesses from moving offshore, C-Corps will go from paying 35% to 21% in corporate taxes.  Truly the top win in the new bill, corporations are encouraged to deliver more jobs, keep their businesses on US soil and subsequently a greater overall tax base for this country. One set of beliefs is that this needed to be done to grow America; that doing business in America was costing many American businesses millions and in some cases, billions of dollars; vs heading overseas and employing foreign employees while paying substantially less in taxes.  The flip side argument is that it’s merely taking away entitlement programs and supplying the top 1% with a substantial boost in income and shareholder wealth.   The fact, which is what I present to my readers is from a historical perspective, growth in American business means growth to main street USA.  Growth in Main-street USA is undeniably critical to balance our economy.

2n Place Prize: Pass-Through Business Owners: pass-through businesses will receive a 20% deduction on their income.   So if you are Suzie Creamcheese LLC and you, after all of your legal business expenses, show a $100,000 profit to your business, you now get an additional 20% tax savings; taking your adjusted income to $80,000.00.  In addition, at $80,000 income are also saving an additional 3% on the newly introduced tax brackets.  If you’re a small business owner, I encourage you to click on the link below in addition to having a clear meeting with your accountant.  You should learn some of the particulars and restrictions as certain industries have limitations to this new law, it’s not a blanket 20% for all small business owners:



Overall we will be paying less in taxes.  This should in turn generate spending and the opportunity for businesses to employ more people, which historically equates to a stable economy.    These changes as it relates to the real estate and mortgage industries should end in:

To my readers that are considering buying, my recommendation is to do it sooner than later.  For my sellers, know the market value of your home, contact me if you don’t know it and I will help you.  Your home is a tremendous asset and being informed always provides you with the knowledge you’ll need to make educated decisions.  Thank you very much for reading my blog; I hope you find value in my research. 2017 was certainly an interesting year! We had more buyers, and looser mortgage guidelines, qualifying more people for a home loan. We still maintained incredibly low interest rates with noisy politics and uncertainty contributing a great deal to that. As supply and demand would have it, we saw an increase in demand for home ownership but a shortage of supply as low inventory was the only thing holding the housing market back from a sure explosion. That led to home values increasing and a shift from a buyers’ market to a sellers’ market.

So here we are, it’s 2018 and we are seeing incredible economic growth. The Dow Jones Industrial average is soaring to record levels, unemployment rates are at a 17-year low, and job growth predictions are all leading to signs of a very healthy America in 2018 from an economic perspective.

So what does all of this mean to you? Well it’s always important to know what is going on in the real estate market because if you are a homeowner, you should always know the current market value of your home. If you are considering selling, you of course want to know how much cash you can get out of your sale. And if you’re looking to own a home, you want to know what the interest rates are, what they are projected to be, and what the inventory situation looks like to make a better, more informed decision.

It’s expected that historically low interest rates, still baffling to even the most seasoned analysts, will gradually rise to an average of 4.5% percent over the next 12 months. Inventory is expected to increase, but moderately; making 2018 thus far, a sellers’ market.

“This will be the first of many years to come in which it’s all about the millennial first-time homebuyer,” said Mark Flemming, chief economist at First American Financial Corp, a title insurance company. “ Find ways to appeal to those buyers, and it’s likely to be a successful year.”

Millennials, first time home buyers, and self-employed individuals finally have access to options they really didn’t have after the mortgage meltdown. Let’s face it, most rentals today aren’t as desirable, and they are more expensive as sellers of nicer properties have opted to “cash out” and sell once the market recovered. What I have recommended to interested buyers in our community is define where you are at financially and what your credit score is; then learn what products exist today that will get you qualified. For my sellers or potential sellers, get a free market analysis and know the market value of your home; you might be pleasantly surprised.

Tired of the dreary winter rain? Need a shot of color and a whiff of spring blooms? Some inspiration for your home’s backyard and garden beds? The Northwest Flower & Garden Show is underway at the Washington State Convention Center now through Sunday Feb. 11!  I went to cover the event with my friend, Ruth, and we enjoyed the day experiencing the unique garden designs and wide variety of blooms and plants. As I walked through the festival, I kept wondering how many hours of labor went into setting up this second largest event of its kind in the U.S. Full rockeries of boulders had been brought in, floor to ceiling bamboo plants, water features, bonsai trees over a century old, and plants from different continents. Below are just a few examples of how extensive some of the structural vignettes were. (Who wouldn’t love some these elements in their backyard?)

Soothing whites and greens in this spa-like scene… A bright and cheerful multi-level setting with water feature created by Issaquah Landscaping and Designs by deLeuw… A modern architectural statement and one of the most unique structures at the show… I also enjoyed the more intimate vignettes like this one by Chance Justbe and @Happenstantial of Burien. And the international flair the Northwest Orchid Society brought to the show was great with orchids like these that are all South American in origin… For smaller scale design, there were a variety of houseplants, outdoor patio plants, and decor items that could fit into any size home or condo deck or in a single flower bed or tree, along with a myriad of containers ranging from hand painted wood baskets to delicate blown glass to collapsible vases. Cascadia Mushrooms’ knowledgeable staff brought their Mushroom Farm starter kits and showed cool displays like this one of their shitakes, which you too can grow at home… In the Marketplace areas were vendors like LesliePaintedGlass.com. She hosts painting parties to create colorful hanging glass vases like these… I think everyone who visits a show like this remembers a couple favorite visuals. I’ll end with these two shots.

A creative use of stair space… And a greenhouse with a burst of color because that was one of the main reasons I came to this festival – to see color on grey a winter day. For more info on show details, the hundreds of free seminars offered, and the fun DIY competitions, please click here at Northwest Flower & Garden Show!

#BeginSomedayToday. That’s the message I like to give friends & family lately. I’m in real estate to help people achieve what they want to achieve – a partner in selling to move up, to downsize and travel, to move away for a new job, a partner when there is something (or someone) on the horizon that’s prompting change. Selling can also be prompted by difficulty, so I’m here for you on that front too. No matter the situation, we all want to be able to go where we want to next without undue stress or delay, and that’s what my partnership with sellers is all about – helping them get to their “someday.’ If you feel unsure about how to prepare your home to sell, I can advise you from a researched and tested design-to-sell perspective. I have an interior design degree from the University of Illinois, worked as a Visual Merchandiser with Room & Board, an Interior Designer with Marshall Field & Co., and Store Designer for several furniture showrooms prior to starting a real estate business. Staging is its own animal within the design world with specific strategies that work, the most important being helping a potential buyer envision your home as their own ‘someday’ home. If you sell with me, you’ll see what’s possible in creating a modern home sale buyers will want to check out. I have a successful history in digital promotion from the full range of social media to blogging at MSN and the Seattle P-I to electronic media/book production with Amazon. I know the incredible power of story, how it engages. Stories I tell digitally draw people in, and I will unleash that ability to create story and visuals about your property, both formally, and on the fly using social media’s immediate and viral energy. My past posts online have drawn as many as 30,000 engagements in a single day. Start here to get a fast, free, emailed “Comparative Market Analysis” of what your home is worth based on competing market activity in your neighborhood.

Pro Tip: COMPETITIVE and COMPELLLING are the key concepts to understand when pricing a home to sell. You must know what similar homes are priced at (COMPETITIVE) and then price yours to be seen as the must-have house (the COMPELLING one) among all that competition. If you or I needed to buy a car and went to three dealers to compare the same model, and one dealer was priced higher, that dealer wouldn’t get our sale for what is essentially the same car as the other two that cost less on today’s market. Real estate is similar. Buyers always want a deal and also search with specific criteria that they use to compare homes.

Pricing to compel – meaning pricing even just a little lower than competitive market value – is the strategy that will result in the most showings from the biggest number of buyers, and the most buyers bidding up for your house. The idea behind this is not for you to fight with just one buyer over the price of your house, but for multiple buyers to compete with one another which drives up price. We are connected with the international network, Leading Real Estate Companies of the World. Our reach is enormous in drawing buyer interest from all over the globe. John L. Scott is also leading the real estate industry digitally and technically. If you haven’t tried the best mobile home search app in the country or seen our latest digital footprint, check us out. You won’t go back to using lesser tools.

John L. Scott is celebrating 85 years of successful service to our clients. We are a locally owned company that knows and loves the Northwest. The next step to list your home for sale is for me to visit and hear the story of your property. What made you fall in love with your house? Was it the land, location, architecture, or views? And what’s the story of where you’re going next? We’ll create a strategic plan so you can get to that next “someday” place. Feel free to reach out to set up a time together. Can’t wait to meet you!

With warmest regards,
Christina Hyun Call | Txt: 425-246-9456
My Home Search App

#BeginSomedayToday. That’s the message I like to give people who are thinking about buying. Start taking steps today. I believe home ownership is one of the best gifts a person can give to themselves. A home is a place that is all yours where you can kick back and be yourself while enjoying life with loved ones, but it also can be your greatest investment. I bought a condo at 27 years old, a starter home next, and then a family home. I wasn’t market saavy. I didn’t have a detailed plan. I worked in retail. I was young and needed down payment help. I learned everything the hard way as a 20-something landlord when I rented my condo to three tenants. But I know two things for sure – I didn’t have to throw away years of rent, and I was a homeowner so no one could raise that rent. Rent or own, we are all paying a mortgage on an investment property. It’s just a matter of whose investment. Yours…or a landlord’s. I hope my blog is thought-provoking and encouraging as you take steps toward your own ‘someday’ dreams. Always happy to answer new buyers’ questions. Being at square one is ok!


As a buyer, do you really need a realtor anymore? Everyone starts their home search online now because of access to really helpful apps and sites. My answer would be yes, buyers need a realtor, and a good realtor. Buyers say their biggest need is someone professional to negotiate for them. And they also need someone who can handle problems and contracts as every sale has legal pitfalls and other complications. Realtors know how home buying works. We have complete access to the MLS. We know our local markets. Also, for buyers, a realtor’s services are free (sellers pay the entire commission) so there is nothing to lose and much to gain in having your own realtor.


Feel free to ask me for contact info of recent clients, my managers, or vendors who work with me. Ask them what kind of person I am. In our competitive market, I advise buyers wisely and negotiate fearlessly with the end goal in mind – get my clients the best deal with the best advantages. Seattle is the most competitive real estate market in the country right now, and I know what I do for my clients gives them financial wins and vetted resources they wouldn’t have alone. In a recent sale, in this bidding war filled market, I helped my buyers win in a multiple offer situation, with inspection, financing, title contingencies all in force, requested a seller-paid home warranty for them, renegotiated a 7K price drop after inspection, and closed right on time. That’s the kind of extra mile work not everyone does, especially if they are giving you discounts. I do full out service like this because I want my clients to win and believe in advocating strongly for their financial interests.

All that said, I’m also that person who listens more than talks. I’ll work hard to carefully hear your needs throughout the process. I am a down-to-earth person. I’ll shoot straight with you. Always happy to go for coffee with anyone who wants to interview me before working together. I get it that you want to find someone you can relate to and trust. I am thankful for my current sphere of clients and friends for those exact reasons. If you already know you want to buy within the next year, let’s have that coffee right away! There are steps to do before even looking at properties. I will help walk you through those so yours can be one of the offers most likely to be accepted if that someday house you love comes up. Would love to meet so I can hear all about what you’re looking for in your next place. Good realtors have long term relationships with good lenders. I can provide a list of those kinds of lenders so you can find out how much house you can afford. There are more loan and down payment options than buyers realize. Don’t assume you can’t afford to buy. Don’t assume you have to put down 20%. This past spring, 71% of first time buyers put down less than 20%. And 60% of first time buyers put down less than 6%.

Here are two graphics to illustrate an estimated bottom line for 10 yr and 20 yr Renting vs. Buying scenarios for a $369,000 condo vs. a $2100/mo apartment (2 BR/2BA, 10% down). Taking steps now, whether you buy this year, or need to work toward five years from now, is something you can’t afford to not consider. Buying saves you approximately $157,980 over 10 yrs of renting. Buying saves you approximately $468,812 over 20 years of renting.

Happy to answer any questions!

Look forward to buying you a coffee and hearing what ‘someday’ looks like for you.
 Zillow offers market info and reviews so it’s definitely a resource when buying or selling a house in Issaquah, or around King County at large, but here are 3 reasons why you should try John L. Scott’s website for your home search instead.

Reason 1  |  You Can Be Texted Notifications of New Listings

John L Scott, and all company sites, are linked directly in real time to the Northwest Multiple Listing Service (MLS), but Zillow is not here. So Zillow’s site updates approximately 24 hours after a new listing hits the market whereas they show up on John L Scott’s site in just a couple of hours. If you are part of John L. Scott’s Property Tracker service, you can even set yourself up to get texts of these new listings. No other company can do that for you. Often several buyers will already have been in a home that comes to market by the time a Zillow-only user even sees it.

In our competitive market today, some listings go pending within that 24 hour time period, so you can see why it’s an advantage to be in the know and get notified by text ASAP.

Reason 2  |  Getting Correct Info

Zillow is a compilation of listings from sources, but not directly from the most accurate one – the MLS. Sometimes people inquire about listings that have been sold for quite some time already but are still on Zillow’s site as available. I had a buyer who sent me a large list of possible homes to see that he found on Zillow. Of the 15 listings he emailed, 10 were already pending or sold. One of the solds was from nine months ago. He had spent time online looking, compiling this list, and sending it to me. Looking on Zillow is not the best way to use your valuable personal time when searching.

Reason 3  |  Don’t Like Being Solicited?

John L. Scott’s site lists active homes for sale from all companies. Zillow has other purposes. Zillow gets agents to pay for priority exposure and ads on their site’s listings. This means clicks on homes matter so Zillow can keep getting agents to pay to be seen on their site, whether the homes you get baited to click on are for sale or not right now. When you click, the agent who’s paid Zillow gets you as their ‘lead’ to then call. I’ve spoken with people who have gotten calls from multiple agents after clicking on a listing. If you have an agent already, this is also not a good use of your time.

If you want to make good use of your time, you can use this link christinahyun.johnlscott.com/search/ or download our mobile app at JLSapp.com/ChristinaHyun and search to your heart’s content by map, neighborhood name, and even see all upcoming open houses in your chosen search area. On either, you can get our free “Property Tracker” feature to keep track of/fav your searches, get that text notification feature, and also have a way for only your chosen agent to stay connected with you to actually help.

Let me know if you have any questions. Visit my Buy & Sell tabs above for more tips. It’s perfectly fine to be at the beginning of the process if you’re here in my neck of the woods buying or selling a house in Issaquah. Or just starting to learn about how home buying even works. I’m happy to help anyone around the Seattle region. Tax Liens and Judgements to come off many consumer’s credit report

Effective July 1st, 2017, Transunion, Equifax and Experian will be excluding tax liens and some civil debts/judgements from consumer’s credit reports. The Consumer Data Industry Organization has stated that this initiative is to ensure consumer identifications are accurate and current.

In a move that will boost many consumers credit scores, the three main credit reporting agencies will remove tax liens and civil debts if reports on those particular obligations do not include: names, addresses, and social security numbers and/or date of birth according to the CDIA.

Federal law requires that accurate information is provided to ensure accurate credit reporting. Consumers have complained that paid debts are still appearing on their credit report. The National Consumer Assistance Plan will help consumers with prior challenges to obtain loans they otherwise may have been declined.

This is really good news for the housing market obviously, as this news will have an immediate impact on about 10% of Americans. Couple this information with my prior blog on low down/no down payment mortgages and you end up with great news for many people. With the Dow over 20,000, looser credit guidelines and this recent news on credit reporting; times are looking pretty good.

Summer 2017 Housing Market Prediction:  Hot… Very Hot 2017 home sales came out of the blocks strong in January; growing at its fastest rate since 2007.   According to the National Association of Realtors®, houses were on the market for an average of just 50 days.  In January of 2012, the average turn-around time was 99 days.

Optimism inserts money, primarily investor money, into the marketplace.  When investors are optimistic and the stock market rises and shows stability, banks typically loosen their guidelines.  Low interest rates, more forgiving mortgage guidelines, low and no down payment mortgage options and rent increases have put the housing market in gear, and it’s just starting to get heated.

Inventory remains the only issue as there is currently just a 3.6-month supply of inventory nationwide; which happens to be the lowest in history.  That means if no new houses are listed, by May there would be no existing homes for sale in the market.  I expect builders to be licking their chops and that’s a good thing for the housing market.  When our country is building, it means people are confident in their futures.  Business owners have positive expectations and employees are feeling comfortable with job security which is leading people to look at both new and existing homes.  With rental prices increasing, millennials and other first time home buyers are taking advantage of low down and no down payment mortgages.

What about Sellers?  Is it a good time to sell?

The simple law of supply and demand tells us that when there is more demand than supply, the value of sellers homes should rise right?  Wrong with today’s sellers.  Sellers today seem to think the market has reached its peak and prices will be declining.  They are acting like we are in an economy on the decline, often taking the first reasonable offer and listing their homes for less than they should.    This psychology perhaps is coming from the aftermath of the real estate meltdown as many people are satisfied with “getting out clean” or making very little on their real estate.

If you’re a buyer, you are in POLE POSITION right now; the market favors you.  If you’re a seller, consider choosing a Real Estate Agent that properly educates you on real market trends and factual data; you may find that the sale of your home is more lucrative that you think!

 I am the Realtor and Creative behind this real estate business, but I’m also a mom, wife, writer, dog owner, and lover of all things design…



“When my wife and I learned that Christina had received her real estate license, there was never any doubt that we wanted her to represent us for our house purchase.”




Christina Hyun, Realtor®
John L. Scott
1700 NW Gilman Blvd #300
Issaquah, WA 98027