The decision to rent versus buy in Seattle in 2021 can be a difficult one. After all, when you rent, you’re paying someone else’s mortgage. But when you buy, there are other expenses that need to be paid in addition to your mortgage.
To buy or to rent a home in Seattle 2021? That is the question. Unfortunately, since there are so many factors to take into account, there’s no one universal answer out there to give you.
There are pros and cons to each opportunity, and as your local Seattle mortgage company, we wanted to shed some light on the topic. We’ve broken down the reasons to choose each option, and then give you our final overall answer in the conclusion.
Before we dive in to reasons why buying may be a better idea, it may be helpful to understand why some people may want to rent. Here are some potential benefits to renting:
When we’re comparing upfront expenditures, renting is favored over buying. In most cases, considering the purchase of the home itself with the down payment and closing costs, renting can be more affordable, at least in the short term. If you need a place to live and don’t have decent sized cash reserves beyond making a rental deposit, renting may be a decent option.
There can be extra costs of homeownership that you wouldn’t have to worry about with renting, such as property taxes, maintenance, and repairs. With renting, you don’t have to worry about that stuff or take on any of the financial burdens of home maintenance. Just call the landlord and he or she will deal with it.
If we’re making considerations in the short term again, renting can provide more flexibility with your way of life. If you don’t plan on being in one place very long, being a renter gives you the freedom to make quick, last minute lifestyle changes. It’s a lot easier to pick up and move after your lease is up rather than having to go through the effort and work needed to sell your home and buy a new one.
You also have more liquidity with renting. Most homeowners put a large chunk, often the majority of their savings into their real estate purchase. In this case, a lot of your money is tied up in your investment, making it difficult to get to quickly. Renting can provide you with more flexibility and other investment options.
While there may be an argument to be made in favor of renting over buying, there are also some great reasons why purchasing a home in Seattle may be the better way to go, and here are some reasons why:
According to Zillow, the median asking price of rental properties in the US is $1,933 per month, according to Rent Cafe. Compare that to a mortgage payment on the median-priced home of $725,000, according to RedFin, and the monthly price would be $2,369 based on a 20% down payment and today’s current 30-year fixed-rate mortgage rate.
That number is a bit higher, but given the costs of homeownership such as maintenance, taxes, and closing costs, it’s hard to argue in favor of renting in that situation.
Historically speaking, rent has risen 5% each year. However, when you’re buying a home, you can lock in the same monthly cost for a long period. So even if your rent would be the same price as your mortgage today, it’s likely to become more expensive in the future.
Envision you’re paying the same price for your home each month for the next 30 years while other rental rates are increasing. When comparing the two options over the long term, it’s pretty favorable to buy.
Even if it is less expensive in your area, renting a house means you’re paying for someone else’s investment each month. If you’re buying your home instead, you’re building the equity in your property and growing your wealth. You’re increasing the value of your asset every time you make a mortgage payment.
You’re also investing in your home. When you buy property, you get the pride of ownership that comes with it. Everything you work on or add to the real estate is essentially an investment. By making improvements to your way of living you’re also improving the value and condition of your home.
If you own your home, you can deduct numerous expenses related to your property from your taxes. Even the interest on your mortgage can be deductible in many cases. Considering how much we pay in taxes each year, a significant portion of your income could be going towards your investment rather than to the tax man.
If you have some savings and plan on staying in one place for the new few years, in most cases, buying is a much wiser choice for the long term. With rental rates on the rise, your future self will thank you for making the present-day decision to invest in your home purchase.
Are you curious about mortgages in Seattle? Sammamish Mortgage can help. We are a local, family-owned company based in Seattle and Bellevue, Washington and serve the entire state, as well as the broader Pacific Northwest region, including Oregon, Idaho, and Colorado. We are pleased to offer many mortgage programs to our valued clients, and have been doing so since 1992. Please contact us if you have mortgage-related questions.
Updated at 2021-06-22
Definitions and key terms
Types of Information We Collect
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Sharing of Information
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Other Disclosures With Your Consent
Other Disclosures Without Your Consent
We may disclose information to comply with relevant laws, including in response to subpoenas, warrants, or court orders. We may also share your information to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action relating to possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies.
Sale of Business
Links to Other Websites
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The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above. We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us. For more information about these rights, please contact us. Request to Not Sell for California Residents You may submit a request to us to not sell your Personal Information, which will be effective for 12 months [add url to specific website called “Do Not Sell My Personal Information” that allows consumers to opt out of the sale of personal information
California Information Sharing Disclosure
California Civil Code Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law). The table below indicates the categories of personal information we collect and transfer in a variety of contexts. Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than yourself, for instance for those people that utilize our Rates and Money website.
|Category of Personal Information||Is information collected by us?||Is information transferred for valuable consideration?||Is information trasferred for business purposes?|
|Audio, electronic, visual, thermal, olfactory, or similar information||☐||☐||☐|
|Bank account number||☑||☐||☑|
|Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)||☐||☐||☐|
|Credit card number||☑||☐||☑|
|Debit card number||☑||☐||☑|
|Driver's License Number/ State ID||☑||☐||☑|
|Electronic network activity (e.g., browsing history)||☑||☐||☑|
|Health insurance information||☐||☐||☐|
|Identifiers (e.g., name or alias)||☑||☑||☑|
|Insurance Policy Number||☐||☐||☐|
|Online identifier (e.g., IP address)||☑||☐||☑|
|Other financial information||☑||☑||☑|
|Social Security Number||☑||☐||☑|
Don’t hesitate to contact us if you have any questions.
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About These Terms
This Agreement is a contract between you and Sammamish Mortgage (referred herein as “Sammamish Mortgage”, “us”, “we” or “our”) and the services accessible from the Websites (which are collectively referred to in the Agreement as the “Services”). Sammamish Mortgage includes the Services provided on our Rates and Money website discussed below.
If you do not agree to this Agreement, please do not use the Services. In the Agreement, “you” refers both to you as an individual and to the entity you represent. If you violate any of this Agreement, we reserve the right to cancel your account or block access to your account without notice.
Sammamish Mortgage grants you a revocable, non-exclusive, non-transferable, limited license to download, install and use its website (https://www.sammamishmortgage.com/ and https://www.ratesandmoney.com/ (the “Websites”) strictly in accordance with the terms of this Agreement.
You agree not to, and you will not permit others to:
- License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose or otherwise commercially exploit the website or make the platform available to any third party.
- Modify, make derivative works of, disassemble, decrypt, reverse compile or reverse engineer any part of the website.
- Remove, alter or obscure any proprietary notice (including any notice of copyright or trademark) of Sammamish Mortgage or its affiliates, partners, suppliers or the licensors of the website.
Any feedback, comments, ideas, improvements or suggestions (collectively, “Suggestions”) provided by you to Sammamish Mortgage with respect to the website shall remain the sole and exclusive property of Sammamish Mortgage.
Sammamish Mortgage shall be free to use, copy, modify, publish, or redistribute the Suggestions for any purpose and in any way without any credit or any compensation to you.
Links to Other Websites
This Agreement applies only to the Services. The Services may contain links to other websites not operated or controlled by Sammamish Mortgage. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, this Agreement is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you.
Changes To the Agreement
You acknowledge and agree that Sammamish Mortgage may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally at our sole discretion, without prior notice to you.
If we decide to change this Agreement, we will post those changes on this page, and update the Agreement modification date.
Modifications to Our Websites
Sammamish Mortgage reserves the right to modify, suspend or discontinue, temporarily or permanently, the Websites or any Services to which it connects, with or without notice and without liability to you.
Updates to Our Websites
Sammamish Mortgage may from time to time provide enhancements or improvements to the features/ functionality of the website, which may include patches, bug fixes, updates, upgrades and other modifications (“Updates”).
Updates may modify or delete certain features and/or functionalities of the Websites. You agree that Sammamish Mortgage has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features and/or functionalities of the Websites to you.
You further agree that all Updates will be (i) deemed to constitute an integral part of the Websites, and (ii) subject to the terms and conditions of this Agreement.
Term and Termination
This Agreement shall remain in effect until terminated by you or Sammamish Mortgage.
Sammamish Mortgage may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.
This Agreement will terminate immediately, without prior notice from Sammamish Mortgage, in the event that you fail to comply with any provision of this Agreement. You may stop using the Services at any time. You do not need to specifically inform us when you stop using the Services. You acknowledge and agree that if we disable access to your account, you may be prevented from accessing the Services, your account details or any files or other materials which is contained in your account.
Upon termination of this Agreement, you shall cease all use of the Websites and delete all copies of the Websites from your computer.Termination of this Agreement will not limit any of Sammamish Mortgage’s rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.
Copyright Infringement Notice
If you are a copyright owner or such owner’s agent and believe any material on our website constitutes an infringement on your copyright, please contact us setting forth the following information: (a) a physical or electronic signature of the copyright owner or a person authorized to act on his behalf; (b) identification of the material that is claimed to be infringing; (c) your contact information, including your address, telephone number, and an email; (d) a statement by you that you have a good faith belief that use of the material is not authorized by the copyright owners; and (e) the a statement that the information in the notification is accurate, and, under penalty of perjury you are authorized to act on behalf of the owner.
You agree to indemnify and hold Sammamish Mortgage and its parents, subsidiaries, affiliates, officers, employees, agents, partners and licensors (if any) harmless from any claim or demand, including reasonable attorneys’ fees, due to or arising out of your: (a) use of the website; (b) violation of this Agreement or any law or regulation; or (c) violation of any right of a third party. You agree to indemnify Sammamish Mortgage in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify Sammamish Mortgage if you change your telephone number, including, but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you and at your expense and, in such a case, you agree to cooperate with our defense of such claim. Further, you shall not settle any claim without the prior written approval of Sammamish Mortgage.
The website is provided to you “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, Sammamish Mortgage, on its own behalf and on behalf of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the website, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, Sammamish Mortgage provides no warranty or undertaking, and makes no representation of any kind that the website will meet your requirements, achieve any intended results, be compatible or work with any other software, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, Sammamish Mortgage does not make any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Websites, or the information, content, and materials or products included thereon; (ii) that the Websites will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Websites; or (iv) that the Websites, their servers, the content, or e-mails sent from or on behalf of Sammamish Mortgage are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.
Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Sammamish Mortgage be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the Websites, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if Sammamish Mortgage has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.
If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Agreement shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.
No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any right or power under this Agreement preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.
The Agreement constitutes the entire agreement between you and Sammamish Mortgage regarding your use of the Websites and supersedes all prior and contemporaneous written or oral agreements between you and Sammamish Mortgage.
You may be subject to additional terms and conditions that apply when you use or purchase other Sammamish Mortgage’s services, which Sammamish Mortgage will provide to you at the time of such use or purchase.
Updates to this Agreement
We may change our Services and policies, and we may need to make changes to these Terms so that they accurately reflect our Services and policies. Unless otherwise required by law, we will notify you (for example, through our Services) before we make changes to this Agreementand give you an opportunity to review them before they go into effect. If a revision is material we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Then, if you continue to use the Services, you will be bound by the updated Agreement. If you do not want to agree to these or any updated Agreement, you can delete your account.
The website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Sammamish Mortgage, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. The material may not be copied, modified, reproduced, downloaded or distributed in any way, in whole or in part, without the express prior written permission of Sammamish Mortgage, unless and except as is expressly provided in this Agreement. Any unauthorized use of the material is prohibited.
Applicable Law and Venue.
THIS AGREEMENT IS GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF WASHINGTON. NO CONFLICT OF LAWS OR PROVISIONS OF ANY JURISDICTION WILL APPLY TO THESE TERMS AND CONDITIONS. YOU AGREE THAT ANY ACTION AT LAW OR IN EQUITY ARISING OUT OF OR RELATING TO THESE TERMS AND CONDITIONS WILL BE FILED ONLY IN A STATE OR FEDERAL COURTS OF KING COUNTY, WA, AND YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT AND SUBMIT TO THE EXCLUSIVE JURISDICTION OF SUCH COURTS OVER ANY SUIT, ACTION, OR PROCEEDING ARISING OUT OF THESE TERMS AND CONDITIONS. ALL DISPUTES MUST BE ADJUDICATED IN THE ENGLISH LANGUAGE.
Agreement to Arbitrate
This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR Sammamish Mortgage’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and Sammamish Mortgage concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.
Notice of Dispute
In the event of a dispute, you or Sammamish Mortgage must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute via email to: [email protected] Sammamish Mortgage will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email address. You and Sammamish Mortgage will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or Sammamish Mortgage may commence arbitration.
If you and Sammamish Mortgage don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration.
Any award of the arbitrator or a majority of the arbitrators will be final and binding, and judgment on such award may be entered in any court having jurisdiction. This arbitration provision will be enforced and interpreted exclusively in accordance with applicable federal laws of the United States, including the Federal Arbitration Act. Any costs, attorneys’ fees or taxes involved in confirming or enforcing the award will be fully assessed against and paid by the party resisting confirmation or enforcement of said award.
This Agreement to Arbitrate will survive the termination of your relationship with us.
You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree not to combine a claim that is subject to arbitration under this Agreement with a claim that is not eligible for arbitration under this Agreement. You and we agree to waive the right to a trial by jury for all disputes.
Sammamish Mortgage may, from time to time, include contests, promotions, sweepstakes, or other activities (“Promotions”) that require you to submit material or information concerning yourself. Please note that all Promotions may be governed by separate rules that may contain certain eligibility requirements, such as restrictions as to age and geographic location. You are responsible to read all Promotions rules to determine whether or not you are eligible to participate. If you enter any Promotion, you agree to abide by and to comply with all Promotions Rules.
Additional terms and conditions may apply to purchases of goods or services on or through the Services, which terms and conditions are made a part of this Agreement by this reference.
We, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions (“Third-Party Providers”). We do not endorse or recommend the products or services of any Third-Party Provider and are not an agent or advisor to you or any Third-Party Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Third-Party Providers. It is your responsibility to investigate Third-Party Providers. You acknowledge and agree that Third-Party Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Third-Party Provider’s products or services. You acknowledge and agree that you rely on your own judgment and your advisors in selecting any products or services offered by Third-Party Providers.
No Guarantee Relating to the Services Provided by Third-Party Providers.
We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Third-Party Providers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Third-Party Providers are the best available.
You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Third-Party Provider’s products or services, including any fees charged by a Third-Party Provider.
Requests for Quotes
We may share your information with third parties when you use the Rates and Money website to request a rate, quote, service, approval, or information from those third parties (a “Request”).
IF YOU SUBMIT A REQUEST, THIRD-PARTY PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA MAIL, TELEPHONE, TEXT MESSAGE, FAX, EMAIL, AND OTHER MEANS OF COMMUNICATION. YOU MAY RECEIVE TELEMARKETING CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST THROUGH OUR SERVICES, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
By submitting a Request, you are expressly consenting to the third party conducting any research necessary to provide you with information about your Request. Third parties may need to share your information to conduct such research to provide information that may assist in determining eligibility for credit card offers.
If you do not want third parties to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
Sammamish Mortgage is not responsible for any content, code or any other imprecision.
Sammamish Mortgage does not provide warranties or guarantees.
Sammamish Mortgage is a distributor and not a publisher of the content supplied by third parties; as such, Sammamish Mortgage exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the Sammamish Mortgage Service. Without limiting the foregoing, Sammamish Mortgage specifically disclaims all warranties and representations in any content transmitted on or in connection with the Sammamish Mortgage Services or on sites that may appear as links on the Sammamish Mortgage Service, or in the products provided as a part of, or otherwise in connection with, the Sammamish Mortgage Services, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Sammamish Mortgage or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Sammamish Mortgage does not warrant that the Sammamish Mortgage Services will be uninterrupted, uncorrupted, timely, or error-free.
Don’t hesitate to contact us if you have any questions.
Email: [email protected]
Phone Number: (425) 401-8787
This Link: https://www.sammamishmortgage.com/
This Address: 3055 112th Ave NE Suite 203 Bellevue, WA 98004