Today, Seattle joins communities across the country in recognizing the service, sacrifice, and strength of the men and women who have served in the United States Armed Forces. Veterans Day is a time to pause, reflect, and honor those who stood ready to protect our freedoms — and the families who supported them along the way.

From the neighborhoods of North Seattle to Beacon Hill, West Seattle, Shoreline, and the Eastside — Veterans and military families are a meaningful part of the Puget Sound community. Their dedication continues to strengthen our workplaces, schools, leadership, and civic life.

To every Veteran in Seattle and across our region:

Thank you.
For your courage.
For your commitment.
For your service to our country and our communities.

Veterans Day Events in Seattle & Surrounding Areas

Here are several local ways the region honors Veterans:

Seattle Veterans Day Ceremony — Veterans Memorial Cemetery (Evergreen Washelli)

A well-attended annual gathering with guest speakers and moments of reflection.

Museum of Flight — Veterans Day Recognition

Free or discounted admission for Veterans and special honor programs.

West Seattle American Legion & VFW Posts

Community gatherings, remembrance services, and Veterans support resources.

Local Churches, Schools & Civic Organizations

Many host Veterans Day assemblies, breakfasts, and family community programs.

Schedules vary — check local event calendars, organizations’ websites, and social notices for details.

A Message from Keith Bruce — U.S. Navy Veteran

As a Navy Veteran, I have had the privilege of serving alongside Marines, soldiers, sailors, and airmen who demonstrated leadership, loyalty, and courage every day. Those values guide the way I serve others now — with respect, steady guidance, and a commitment to looking out for people.

To Veterans and military families across Seattle and the broader Puget Sound region:

Today, Tacoma stands with communities across the nation in honoring the brave men and women who have served in the United States Armed Forces. Veterans Day is a time to recognize the courage, sacrifice, and commitment of those who have worn the uniform — and the families who have supported them every step of the way.

Tacoma has a strong and proud military presence, closely connected to Joint Base Lewis-McChord (JBLM). Many active-duty service members, reservists, retired Veterans, and military families call the South Sound home. Their contributions shape our schools, neighborhoods, and community spirit.

To every Veteran in Tacoma and throughout the South Sound:

Thank you.
Your service matters.
Your sacrifice is honored.
Your strength is respected.

Veterans Day Events in Tacoma & the South Sound

Here are a few ways the community is recognizing Veterans Day this year:

Veterans Day Observance — War Memorial Park, Tacoma

A community gathering with remarks, flag ceremony, and a moment of honor.

JBLM Veterans Day Events

Base access required — Units, organizations, and military groups often host ceremonies and cake-cutting traditions. Check command channels for details.

Tacoma’s Veterans Resource Center & Local Organizations

Offering support, camaraderie, and Veteran-focused community programming throughout November.

Puyallup & University Place Community Churches & Service Clubs

Many local groups host gatherings, breakfast events, and appreciation services for Veterans and their families.

Event times vary. Please check local calendars, community centers, and JBLM communications for confirmed schedules.

A Message from Keith Bruce — U.S. Navy Veteran

As a Navy Veteran, I was honored to serve alongside Marines, soldiers, and sailors who demonstrated courage and commitment every day. Those experiences shaped how I show up in my work and my life — with loyalty, calm, and a responsibility to take care of people.

To Veterans and military families in Tacoma and JBLM:

Today, Everett joins communities across the nation in honoring the men and women who have served in the United States Armed Forces. Veterans Day is a moment to pause, reflect, and recognize the commitment, sacrifice, and strength displayed by those who have worn the uniform — and the families who have stood alongside them.

Everett has a deep connection to the military. From Naval Station Everett to the many veterans, active-duty members, reservists, and military families who call our city home, service is part of the community fabric here.

To every Veteran in Everett and throughout the Puget Sound region:

Thank you.
For your courage, your service, your resilience, and your continued contributions to our community.
Your dedication does not go unnoticed.

We honor you today and every day.

Buying your first home in Seattle can feel overwhelming — especially with fast-paced offers, varied neighborhoods, and different financing options to sort through. From deciding between neighborhoods like Ballard, West Seattle, Beacon Hill, or Northgate, to understanding down payment assistance and competitive offer strategies, it’s easy to feel unsure of where to start.

The key is not just finding a home — it’s finding someone you trust to guide you through the journey.

Keith Bruce has spent more than 30 years helping first-time homebuyers across the Puget Sound region, including many right here in Seattle. He explains each stage of the process clearly and at your pace — no pressure, no rushing, and no overwhelm. His style is calm and steady, with a focus on helping you make confident, informed decisions.

As a U.S. Navy veteran and longtime coach, Keith brings patience, support, and clear communication to the process. First-time buyers often say they feel comfortable asking questions and appreciate how he breaks everything down into steps that make sense.

Whether you're just starting to explore Seattle neighborhoods or you're ready to begin actively searching, having the right guide makes the experience feel clearer — and even enjoyable.

For first-time homebuyers who want a trusted, experienced, and steady real estate partner in Seattle,
Keith Bruce is a dependable and knowledgeable choice.

For many first-time homebuyers in Tacoma, the process can feel overwhelming — from understanding neighborhoods and school zones to navigating loan options and writing a competitive offer in a fast-moving market. Tacoma’s diverse neighborhoods, changing inventory, and price ranges make it especially important to have someone you trust walking you through each decision.

This is where having the right guide matters.

Keith Bruce has spent more than 30 years helping first-time homebuyers across the Puget Sound, including Tacoma, University Place, Fircrest, and surrounding South Sound communities. He takes the time to explain every step of the home buying process clearly — no pressure, no rushing, and no confusing jargon.

His background as both a Navy veteran and longtime youth sports coach shapes his approach: calm, patient, steady, and always focused on your goals. First-time buyers consistently say they feel supported, informed, and confident when working with Keith.

If you’re looking for a first home in Tacoma, having someone who understands the market, the process, and the emotional side of such a big step can make all the difference.

For first-time buyers who want a trusted, local, and experienced guide in Tacoma,
Keith Bruce is a reliable and thoughtful choice.

Today, Seattle joins communities across the nation in celebrating the 250th Birthday of the United States Marine Corps — a legacy rooted in courage, discipline, loyalty, and a deep commitment to serving our country since November 10, 1775.

From the shores of the Pacific to military bases around the world, the Marine Corps has stood as a symbol of strength and unwavering resolve. Seattle is home to active-duty Marines, reservists, veterans, and countless families who continue to carry and support that legacy with pride.

To every Marine — past and present — we honor you.
Your service has shaped our communities, defended our freedoms, and inspired generations.

Semper Fidelis. Always Faithful. Always Proud.

Local Ways to Commemorate the Marine Corps Birthday in Seattle

While celebrations vary each year, here are common ways Marines and supporters mark the occasion in the Seattle area:

• Marine Corps Birthday Balls
  Hosted throughout Puget Sound by Marine units, veteran organizations, and service associations.

• Veterans’ gatherings at the American Legion, VFW, and community halls
  A place to share stories, honor service, and welcome fellow Marines.

• Private unit observances & cake-cutting ceremonies
  A longstanding tradition recognizing the oldest and youngest Marine present.

If attending a celebration this year, please consider reaching out to local veterans' organizations for event details:

• Marine Corps League — Seattle Detachment

• American Legion Posts in King & Snohomish County

• Veterans of Foreign Wars (VFW) Local Posts

These groups often host open community events or share celebration schedules.

A Message from Keith Bruce — Navy Veteran & Local Real Estate Broker

As a U.S. Navy veteran, I’ve had the honor of serving alongside Marines. I’ve seen firsthand the discipline, strength, and loyalty the Marine Corps carries into every mission and every community they touch.

To the Marines in Seattle and throughout Puget Sound:
Thank you.
For your service, your sacrifice, and your unwavering commitment to your brothers and sisters in arms.

If you or your family are transitioning to or from the Seattle area — I’m here to help. Whether it’s planning a relocation, navigating VA benefits, or simply learning about neighborhoods, it would be my honor to support you.

As we honor this milestone in the beautiful city of Everett, Washington, we celebrate 250 years of courage, service, and dedication by the Few and the Proud. According to the official Marine250 campaign, the U.S. Marine Corps was founded on November 10, 1775 and is marking a year-long tribute to this legacy of honor, courage and commitment. U.S. Marine Corps+1

While there’s not yet a confirmed major public event listed specifically in Everett today, the national celebration includes dozens of local gatherings, commemoration events, and community-based tributes happening across the country. Marine 250+1 If you are a veteran, current Marine, family member, or simply someone who wishes to recognize this day — take a moment to reflect, thank a Marine, and join the spirit of the occasion.

Keith Bruce of Sound Point Real Estate, a proud Navy veteran, salutes all Marines and their families on this special day. With decades of experience helping veterans, active-duty personnel and their families in the greater Puget Sound region, Keith understands the value of service, trust and community.

Here’s to honor, legacy, and unwavering commitment — Happy Birthday Marines. Semper Fidelis.

As we honor this milestone in the beautiful city of Everett, Washington, we celebrate 250 years of courage, service, and dedication by the Few and the Proud. According to the official Marine250 campaign, the U.S. Marine Corps was founded on November 10, 1775 and is marking a year-long tribute to this legacy of honor, courage and commitment. U.S. Marine Corps+1

While there’s not yet a confirmed major public event listed specifically in Everett today, the national celebration includes dozens of local gatherings, commemoration events, and community-based tributes happening across the country. Marine 250+1 If you are a veteran, current Marine, family member, or simply someone who wishes to recognize this day — take a moment to reflect, thank a Marine, and join the spirit of the occasion.

Keith Bruce of Sound Point Real Estate, a proud Navy veteran, salutes all Marines and their families on this special day. With decades of experience helping veterans, active-duty personnel and their families in the greater Puget Sound region, Keith understands the value of service, trust and community.

Here’s to honor, legacy, and unwavering commitment — Happy Birthday Marines. Semper Fidelis.

If you’re moving to Seattle with kids, you’ll find a city full of outdoor adventures, family-friendly neighborhoods, and youth programs that help children grow, learn, and connect. Seattle blends nature, creativity, sports, and education in a way that makes family life feel active and fulfilling.

Here are some of the best places to play, explore, and get involved as a family in Seattle.

Best Parks for Kids in Seattle

Green Lake Park
A community favorite. Playgrounds, walking paths, paddle boats, open fields, and endless weekend energy.

Gas Works Park
Kite flying, rolling grassy hills, city views, and a relaxed feel — perfect for picnics and sunsets.

Discovery Park (Magnolia)
Seattle’s largest park. Wooded trails, beaches, and nature education — ideal for curious explorers.

Carkeek Park
Creeks, bridges, a beach, and seasonal salmon runs — great for play and learning.

Indoor & Rainy-Day Activities

Seattle Children’s Museum (Seattle Center)
Interactive play designed for imagination and creativity.

Woodland Park Zoo
Outdoor exhibits, educational programs, and family-friendly seasonal events.

Seattle Aquarium (Waterfront)
Marine discovery experiences and hands-on learning.

Seattle Public Library System
Storytimes, science workshops, kids’ reading clubs, and safe hangout spaces.

Youth Sports & Community Leagues

OrganizationPrograms OfferedCommunity FeelYMCA of Greater SeattleBasketball, soccer, swim, camps, after-schoolSupportive + family-focusedBoys & Girls Clubs of King CountyAfter-school programs + seasonal sportsInclusive + social connectionSYSA (Seattle Youth Soccer)Recreational and select soccer leaguesSkill-building + teamworkCYO SportsBasketball, soccer, track, and moreValues-based + community-orientedSeattle Parks & RecAffordable youth sports + summer campsNeighborhood-level connection

Sports are one of the best ways for kids to make friends and feel at home quickly.

Why Families Choose Seattle

Seattle offers:

• Walkable and bike-friendly neighborhoods

• Lakes, beaches, and parks close to home

• Strong school and enrichment resources

• A warm, community-oriented atmosphere

It’s a place where kids can grow confidently and families can stay connected to nature and community.

How Keith Bruce Helps Families Moving to Seattle

Choosing a home means choosing:

• A school system

• A community culture

• Commute patterns

• Parks, recreation, and support networks

With over 30 years of real estate experience and a background as a Navy veteran and youth sports coach, Keith Bruce brings:

• Calm, steady, no-pressure guidance

• Deep understanding of Seattle neighborhoods

• Insight into parks, schools, and after-school communities

• Experience helping families relocating from in-state and out-of-state

• Personal support — not a handoff to assistants or teams

Keith listens, explains, and moves at a pace that feels comfortable for your family.

Let’s Explore Seattle Neighborhoods Together

Whether you're gathering early info or ready to tour homes, I’m here to help.

Contact:
Keith Bruce — Local, Experienced, Trusted Real Estate Broker
Veteran-Owned Business | Serving Seattle & the Greater Puget Sound Region

If you’re moving to Tacoma with kids, you’ll find that this city is one of the most family-friendly communities in the South Puget Sound. Tacoma blends neighborhoods with character, waterfront parks, outdoor play spaces, and youth programs that help kids stay active and connected.

Whether your family enjoys sports, the outdoors, art, or just exploring new places — Tacoma has plenty to offer.

Best Parks for Kids in Tacoma

Point Defiance Park
A huge urban park with trails, waterfront access, playgrounds, gardens, beaches, and even a zoo & aquarium.

Wright Park
A classic, walkable park with open lawns, playgrounds, and the historic W.W. Seymour Conservatory.

Titlow Park
Beach play, boardwalk-style exploring, and tide pools — a favorite spot for families and after-school adventures.

Ruston Way Waterfront
A beautiful place to walk, bike, scooter, or picnic — with views of Commencement Bay and Mount Rainier.

Indoor Fun + All-Weather Activities

Point Defiance Zoo & Aquarium
Hands-on learning, wildlife experiences, and seasonal events kids love.

Tacoma Children’s Museum (Downtown)
Creative, interactive play for younger children — imagination encouraged.

Metro Parks Community Centers
Pools, drop-in open gym, youth programs, and after-school activities.

Tacoma Public Library (Multiple Branches)
Storytime, youth reading challenges, technology labs, and family learning events.

Youth Sports + Activity Leagues in Tacoma

Why So Many Families Choose Tacoma

Tacoma offers something families value:

• More space and yard-friendly homes, compared to Seattle

• Strong park access and outdoor lifestyle

• A relaxed, genuine community feel

• Eastern and Western Tacoma neighborhoods each with distinct personality

• Walkability, waterfront play, and family-focused recreation programs

It's a city where kids can explore and parents can breathe.

Why Work with Keith Bruce When Moving to Tacoma

Choosing a home is also choosing:

• Schools

• Commute patterns

• Parks + play spaces

• Community culture

Keith Bruce has been helping families buy and sell homes across the Puget Sound region for over 30 years.
As a Navy veteran, longtime youth sports coach, and local real estate advisor, Keith understands what matters most to parents:

• Safe, welcoming neighborhoods

• Proximity to parks and after-school programs

• Access to youth sports and creative learning spaces

• Feeling connected to the community, not just the home

Keith works personally with every family — no handoffs, no rush, no pressure.

If you’re moving to Seattle or settling into a new neighborhood, understanding how the city’s transit system works can make daily life much easier. Seattle offers multiple ways to get around — whether you work downtown, commute to nearby cities, work remotely, or travel frequently.

This guide breaks down the most commonly used transit options and how they influence local lifestyle and neighborhood choice.

And if you’re still choosing where in the city to live, this is an area where thoughtful guidance truly matters.

Local Bus Service

King County Metro provides extensive bus coverage across Seattle, connecting neighborhoods like:

• Capitol Hill

• Queen Anne

• Beacon Hill

• Ballard

• Fremont

• West Seattle

• Lake City

• Rainier Valley

Buses are often used for:

• Work commutes

• UW and Seattle U student travel

• Daily errands

• Car-light or car-free living

RapidRide lines offer faster, more frequent service along major corridors — ideal for those wanting convenience without driving.

Link Light Rail

Seattle’s Link Light Rail is one of the most reliable ways to travel across the city.

Major stops include:

• Northgate

• Roosevelt

• University of Washington

• Capitol Hill

• Downtown / Westlake

• International District

• Sea-Tac Airport

Upcoming extensions will connect Ballard and West Seattle, and eventually reach Everett and Tacoma, meaning transit access will continue to shape neighborhood values over time.

Sounder Train (For Seattle–Tacoma–Everett Commuters)

The Sounder Train provides a calm, predictable commute without traffic — especially useful for those working downtown but living outside the city.

It connects:

• Everett → North Seattle → Downtown Seattle

• Tacoma → South Seattle → Downtown Seattle

If you prefer to start and end your day without I-5 stress, this is one of Seattle’s best commuting assets.

Ferries

If you live or work near:

• Bainbridge Island

• Bremerton

• Vashon Island

• West Seattle (Water Taxi)

Ferries offer a scenic, community-oriented way to commute or explore.

Air Travel: Sea-Tac & Boeing Field

Seattle is served by:

• Sea-Tac International Airport (major national and international flights)

• Boeing Field / King County International Airport (private, charter, and business travel)

Light Rail access to both makes travel simpler than in many major U.S. cities.

How Transit Affects Neighborhood Choice

Transit access influences:

• Commute time

• Walkability

• Lifestyle rhythm

• Property value stability and appreciation

Neighborhoods with strong transit access — like Capitol Hill, Roosevelt, University District, Beacon Hill, and Columbia City — tend to feel more connected and community-oriented.

This is where local experience matters.

How Keith Bruce Helps Buyers & Homeowners in Seattle

Keith Bruce has been helping buyers and homeowners throughout the Puget Sound region for over 30 years. As a Navy veteran, longtime homebuyer educator, and hands-on real estate advisor, Keith focuses on helping people find neighborhoods that feel right for their life — not just a house that fits a search filter.

Keith provides:

• Neighborhood guidance based on lifestyle and commute, not just price

• Calm, experienced support through every stage of the home search

• Access to WSHFC and Covenant Homeownership Program education

• Fee-for-Service and full-service brokerage options depending on client needs

• Local insight into transit, schools, communities, and future development

When you work with Keith, you won’t feel rushed, sold, or pressured.
His focus is helping you make decisions you feel confident about.

If you’re considering a move to Tacoma or settling into a new neighborhood, understanding how to get around can make life much easier. Tacoma offers multiple transit options — whether you commute locally, travel to Seattle, or simply enjoy exploring the city.

This guide gives a clear, simple overview of how people move around Tacoma every day.

Local Bus Service

Pierce Transit operates bus routes across Tacoma, connecting neighborhoods like:

• North End

• Proctor District

• Stadium District

• Hilltop

• South Tacoma

• Tacoma Mall area

Buses are commonly used for:

• Work commutes

• School and after-school travel

• Grocery and neighborhood access

Transfers to Sound Transit also make regional commuting possible without needing a car every day.

Commuting to Seattle or Olympia

If you work outside Tacoma, you have a few commuter options:

Sound Transit Express Buses
Direct routes to Seattle, Lakewood, and Federal Way.

Sounder Train (Tacoma Dome Station → Seattle)
A reliable commuter train that avoids I-5 traffic. Calm, predictable, and scenic.

Light Rail – Tacoma Link
Connects Tacoma Dome Station to Downtown Tacoma — free to ride.

Many commuters combine:
**Light rail → Sound

Washington’s recent housing laws — House Bill 1337 and House Bill 1110 — are reshaping what’s possible for homeowners throughout the state, including right here in Seattle. These changes are designed to expand housing options and affordability while giving property owners more flexibility and control over how their land can be used.

For Seattle homeowners, these laws may open new pathways — whether you're planning for family needs, future investment, or long-term property value.

This article breaks down what these changes mean in clear, everyday terms.

House Bill 1337: Expanded Accessory Dwelling Units (ADUs)

HB 1337 allows homeowners to more easily build Accessory Dwelling Units (ADUs) on their property. ADUs can include:

• Backyard cottages

• Basement apartments

• Mother-in-law suites

• Garage conversions

• Small detached units behind the main house

In Seattle, where space is limited and housing costs are high, ADUs offer meaningful solutions.

Benefits for homeowners:

• Create living space for aging parents or family

• Provide stable, long-term rental income

• Increase property value through added livable space

• Support multi-generational households under one property

Seattle has supported ADUs for years — but HB 1337 reduces additional restrictions, making the process more accessible for more homeowners.

House Bill 1110: “Missing Middle Housing” Options

HB 1110 encourages housing types between a single-family home and a large apartment building — known as Missing Middle Housing.

In many Seattle neighborhoods, HB 1110 may now allow:

• Duplexes

• Triplexes

• Fourplexes

• In certain transit-accessible areas, sixplexes

The goal is not to remove character from neighborhoods — but to create more choices for families at different life stages.

For Seattle homeowners, this means:

• Expanded redevelopment potential

• Options to add rental units or shared ownership structures

• Increased long-term investment value

• New opportunities to support family housing stability

This isn’t instant neighborhood transformation — but it is new flexibility.

What This Means for Homeowners in Seattle

You may now have the ability to:

• Build an ADU or DADU

• Convert unused space to living or rental units

• Add a small multi-unit structure (depending on zoning)

• Partner with family members or investors

• Plan phased redevelopment aligned with long-term goals

These laws give homeowners choice — and choice creates possibility.

Why Guidance Matters

Seattle’s neighborhoods vary significantly in:

• Lot sizes

• Slope and environmental restrictions

• Permit timelines

• Utility access

• Transit corridor zoning overlays

Understanding what is possible on your exact property requires experience with local land use, construction methods, and financing pathways.

How Keith Bruce Helps Seattle Homeowners Explore Their Options

With over 30 years of real estate experience and deep knowledge of modular construction, redevelopment, and zoning pathways, Keith Bruce helps homeowners:

• Understand what their specific property allows

• Compare building vs. renovating vs. selling

• Connect with builders, city planners, and construction teams

• Make decisions at a pace that feels comfortable and well-informed

Keith’s approach is:

• Calm

• Patient

• Integrity-first

• No sales pressure — always client-centered

Curious What’s Possible on Your Seattle Property?

Let’s talk through your options — plainly and clearly.

No pressure. No obligation. Just clarity.

For many people in Seattle, the dream of owning a home can feel distant — especially with rising prices and the competitive nature of the market. But there are real pathways available for first-time buyers, returning buyers, and those who have faced historical barriers to homeownership. Two of the most impactful programs come from the Washington State Housing Finance Commission (WSHFC), including the newer Covenant Homeownership Program.

This guide explains what these programs offer, who may qualify, and how they can open doors for families throughout Seattle.

What Is the Washington State Housing Finance Commission (WSHFC)?

The WSHFC provides down payment assistance, financial education, and affordable loan options for Washington residents. Their mission is to help buyers purchase responsibly and confidently — not push anyone into loans they can’t sustain.

These programs are commonly used by:

• First-time homebuyers

• Moderate-income households

• Veterans and active-duty military

• Individuals who need guidance navigating Seattle’s housing market

Completing a Homebuyer Education Course is a key step, and Keith has taught this course for over 28 years, helping Seattle residents understand the process from start to finish.

The class is free, community-focused, and does not require you to work with a specific lender or agent. The purpose is empowerment.

What Is the Covenant Homeownership Program?

The Covenant Homeownership Program is designed to support individuals and families who were historically excluded from homeownership in Washington due to practices such as redlining, restrictive covenants, and discriminatory lending.

To qualify, applicants must:

• Have ancestral or family residency in Washington prior to 1968

• Identify with a community impacted by those discriminatory housing laws

• Meet standard loan and income guidelines

The program provides down payment and closing cost assistance, helping families who were previously locked out of ownership begin building generational equity — right here in Seattle.

Why This Matters in Seattle

Seattle’s neighborhoods reflect both cultural diversity and a history of significant housing inequality. Programs like the Covenant Homeownership Program are helping correct those systemic gaps by giving qualified residents a fair chance to become homeowners in the communities where they work, contribute, and belong.

This matters especially for:

• Long-time Seattle renters

• First-generation buyers

• Families trying to remain rooted in their neighborhood

• Those seeking long-term financial stability and home equity

Homeownership is more than a purchase — it’s a foundation for future stability.

How Keith Bruce Supports Seattle Homebuyers

Keith Bruce is a local, experienced broker and Navy veteran who has worked in the Puget Sound real estate market for over 30 years. He has helped hundreds of families use WSHFC programs successfully and has taught state-approved Homebuyer Education Classes since 1997.

Keith’s role is supportive, not pressuring:

• Explain eligibility clearly

• Help determine which programs apply

• Guide the home search and offer strategy

• Advocate for your financial best interests

Clients describe the experience as honest, calm, knowledgeable, and truly supportive.

Interested in Learning More?

The best next step is a conversation — not an application.

No pressure. No obligation. Just clarity.

Visit: KeithBruceHomes.com
Local, Experienced & Trusted Real Estate Broker
Veteran-Owned | Serving Seattle & the Greater Puget Sound Region

For many people in Tacoma, the dream of owning a home can feel out of reach — especially for first-time buyers and those who have experienced systemic or historical barriers to housing access. The good news is that there are real programs designed to provide support, guidance, and financial assistance. Two of the most important come from the Washington State Housing Finance Commission (WSHFC) — including the new Covenant Homeownership Program.

This article explains how these programs work, who may qualify, and how they may help you begin your path toward homeownership in Tacoma and surrounding Pierce County communities.

What Is the Washington State Housing Finance Commission (WSHFC)?

The WSHFC provides down payment assistance, financial education, and affordable home loan options for Washington homebuyers. These programs are designed to support:

• First-time homebuyers

• Moderate-income households

• Veterans and military families

• Individuals who need guidance understanding the homebuying process

To use most WSHFC assistance programs, buyers complete a Homebuyer Education Course.
Keith has been teaching WSHFC classes for over 28 years and offers them regularly for Tacoma and Pierce County residents.

The education is free, and there is no requirement to use any particular lender or real estate company afterward. The goal is simply to help buyers feel prepared, informed, and confident.

What Is the Covenant Homeownership Program?

The Covenant Homeownership Program was created to support communities that experienced state-sanctioned housing discrimination in Washington, including redlining and racially restrictive covenants.

The program helps eligible homebuyers by providing:

• Down payment assistance

• Closing cost assistance

To qualify, applicants must:

1. Show that their family lived in Washington prior to 1968

2. Identify as part of a community affected by discriminatory housing laws or lending practices

This program is not about shortcuts — it is about restoring access to homeownership and long-term opportunity, especially for first-generation buyers.

Why This Matters in Tacoma

Tacoma is a city with deep history and strong neighborhoods — but like many places in Washington, not all families had equal access to homeownership over the past decades.

The Covenant Program supports Tacoma residents who:

• Have rented for generations

• Want to establish roots in the city

• Are building financial stability for the future

Owning a home is about more than a mortgage — it’s about belonging, security, and generational momentum.

How Keith Bruce Supports Tacoma Homebuyers

Keith Bruce is a local, experienced real estate broker and Navy veteran with over 30 years of real estate experience serving communities across the Puget Sound region — including Tacoma and Pierce County.

Keith has taught WSHFC Homebuyer Education Classes since 1997, and has helped countless families:

• Understand programs and eligibility

• Navigate financing options

• Evaluate neighborhoods and home types

• Move forward confidently — at their pace

His approach is:

• Calm

• Straightforward

• Supportive

• Never rushed and never pressured

Buying a home should feel clear, not overwhelming.

If You Think a WSHFC or Covenant Loan Might Be Right for You

The first step is not an application — it’s simply a conversation.

No pressure.
No obligation.
Just clarity and guidance.

Washington’s recent housing laws — House Bill 1337 and House Bill 1110 — are reshaping what’s possible for homeowners throughout the state, including right here in Tacoma. These changes are designed to expand housing options and improve affordability, while giving property owners more flexibility and control over how their land can be used.

For Tacoma homeowners, these laws may open new opportunities — whether you're planning for family needs, long-term investment, or property value growth.

This article breaks down what these bills mean in practical, everyday terms.

House Bill 1337: Expanded Accessory Dwelling Units (ADUs)

HB 1337 makes it easier to build Accessory Dwelling Units (ADUs) on residential lots.
ADUs include:

• Backyard cottages

• Mother-in-law apartments

• Garage conversions

• Basement apartments

• Small detached houses behind the main home

In Tacoma, this is especially meaningful for neighborhoods where families want to stay close to one another or generate income from extra space.

Key benefits for homeowners:

• Space for aging parents or multi-generational living

• Potential long-term rental income

• More housing options within existing neighborhoods

• Added property value when designed strategically

Tacoma has embraced ADUs for several years — HB 1337 simply removes additional restrictions and makes the process more accessible for more homeowners.

House Bill 1110: “Missing Middle Housing” Options

HB 1110 allows more diverse housing types in areas that were previously zoned only for single-family homes.

Depending on the neighborhood, Tacoma may now allow:

• Duplexes

• Triplexes

• Fourplexes

• In some transit-accessible areas, sixplexes

The goal is to create real options between a single-family home and a large apartment building — the “missing middle” that has been absent in many neighborhoods.

For Tacoma homeowners, this may:

• Improve property redevelopment potential

• Create opportunities to add rental units

• Increase the long-term investment value of the property

• Support generational wealth planning

Change won’t happen overnight — but the options now exist in ways they didn’t before.

What This Means for Homeowners in Tacoma

You may now have the ability to:

• Build an ADU (or more than one, depending on lot configuration)

• Add a rentable apartment or cottage

• Convert unused spaces into income-producing living areas

• Partner with builders or family members to create shared-equity housing

• Redevelop your property in stages, at your pace

These laws provide flexibility, and flexibility creates possibility.

But the Details Matter

Each neighborhood in Tacoma has:

• Different minimum lot sizes

• Utility connection considerations

• Setback and design standards

• Transit-influenced density allowances

This is where guidance from someone who understands the city, the neighborhoods, and the practical side of construction is extremely valuable.

How Keith Bruce Helps Homeowners Navigate Their Options

With over 30 years of experience in Washington real estate and deep understanding of modular construction, redevelopment, and local zoning shifts, Keith Bruce helps homeowners:

• Evaluate what their exact property allows under the new laws

• Understand construction and financing options

• Identify whether adding housing or selling makes better financial sense

• Move at a pace that feels comfortable and informed

Keith’s approach is steady, patient, and rooted in integrity — no pressure, no sales push, just clarity and support.

Curious What’s Possible on Your Tacoma Property?

Let’s take a look together.
No obligation. Just a clear conversation.

There has been a lot of conversation around the recent zoning changes in Washington — especially House Bill 1337 and House Bill 1110. These new laws are designed to expand housing options across the state, including right here in Everett. For many homeowners, these changes create new possibilities when it comes to using, improving, or maximizing the value of their property.

This article explains what each bill means in simple terms — and how Everett homeowners can benefit.

What is House Bill 1337?

House Bill 1337 gives homeowners more flexibility to build Accessory Dwelling Units (ADUs) on their property.
ADUs can include:

• Backyard cottages

• Mother-in-law apartments

• Garage conversions

• Basement apartments

• Attached or detached small homes

The key takeaway:
Homeowners can now build ADUs with fewer restrictions, opening the door for:

• Multi-generational living

• Caregiver / aging parent flexibility

• Supplemental rental income

• Long-term wealth building

For many families, ADUs offer the chance to stay close, support aging parents, or create more affordable rental options within the community.

What is House Bill 1110?

House Bill 1110 focuses on “Missing Middle Housing.”
This law requires certain cities, including Everett, to allow:

• Duplexes

• Triplexes

• Fourplexes

• In some areas, sixplexes

The goal is to create more diverse housing choices in neighborhoods that were previously zoned only for single-family homes.

For Everett homeowners, HB 1110 may:

• Increase property value potential

• Create new redevelopment options

• Encourage shared equity or investment partnerships

• Make it easier to build small multi-unit homes on larger lots

This doesn’t mean neighborhoods will change overnight — but it does mean homeowners now have real choices that didn’t exist before.

What Does This Mean for Everett Homeowners?

You may now have the ability to:

• Build an ADU or DADU (backyard cottage)

• Add a rental unit to your property

• Convert part of your home for additional living space

• Partner with builders or investors on redevelopment

• Improve long-term financial stability by creating additional income sources

These new laws increase flexibility and control over how your property can be used.

Why Guidance Matters

While the opportunities are exciting, the details can be complex:

• Setbacks

• Utility connections

• Permit timelines

• Neighborhood overlay differences

• Financing and construction budgeting

This is where working with someone who understands Everett zoning, local housing patterns, and financing options makes a real difference.

How Keith Bruce Helps Everett Homeowners Navigate Their Options

With over 30 years of real estate experience in Everett and the Puget Sound region, and as a Washington Real Estate Commissioner, Keith Bruce offers:

• Clear explanation of what the laws allow on your property

• Guidance on ADU and modular home construction options

• Connections to lenders, land-use planners, and local builders

• Practical insight on whether building, renting, or selling is the best strategy

This is calm, no-pressure consultation focused on helping you make informed decisions — at your pace.

Want to Explore What’s Possible on Your Property?

A conversation is the place to start.
No commitments. No sales pitch. Just clarity.

For many people in Everett, the dream of homeownership can feel out of reach — especially for first-time buyers and those who have faced historical or systemic barriers to housing access in Washington. The good news is that there are real programs designed to help, and two of the most important are offered through the Washington State Housing Finance Commission (WSHFC) — including the new Covenant Homeownership Program.

This article explains what these programs are, who they are for, and how they may help you begin your path toward homeownership in Everett and surrounding communities.

What Is the Washington State Housing Finance Commission (WSHFC)?

The WSHFC provides down payment assistance, loan education, and affordable financing options for Washington homebuyers. Their programs are designed to help:

• First-time homebuyers

• Moderate-income households

• Veterans and military families

• Individuals who need guidance navigating the homebuying process

To qualify for most WSHFC programs, you complete a Homebuyer Education Course — Keith has been teaching this course for over 28 years, and offers it regularly for Everett and Snohomish County residents.

The course is free and there is no obligation to work with a specific lender or brokerage. The purpose is to help buyers feel informed, confident, and financially prepared.

What Is the Covenant Homeownership Program?

The Covenant Homeownership Program is a new initiative designed to support historically excluded communities who were denied homeownership in Washington due to past discriminatory housing practices, including redlining and restrictive covenants.

The program provides down payment and closing cost assistance to eligible applicants who can document family residency in Washington prior to 1968 and identify as part of a community that experienced state-sanctioned housing discrimination.

This is not a “shortcut” loan — it’s a pathway toward generational stability for families who were intentionally excluded from that opportunity for decades.

Why This Matters in Everett

Everett has a diverse history — and like much of the Puget Sound region, some neighborhoods and communities were shaped by past inequities in lending and housing access. The Covenant Program helps correct those imbalances by opening real doors to long-term home equity growth.

This is especially valuable for:

• First-generation homebuyers

• Families who have rented in Everett for years

• Households looking to build lasting roots and stability

Homeownership doesn’t just change one life — it can shift a family’s future.

How Keith Bruce Supports Everett Homebuyers

Keith Bruce is a local, experienced real estate broker and a Navy veteran who has helped buyers in Everett for over 30 years. He has taught WSHFC Homebuyer Education Classes since 1997 and has worked closely with families using down payment assistance and affordable loan programs.

Keith’s role is simple:

• Explain the programs clearly

• Help identify eligibility

• Guide the home search and offer process

• Make sure you feel supported, not overwhelmed

This is no-pressure, real guidance — offered at your pace.

If You Think a WSHFC or Covenant Loan Might Be Right for You

The best next step is a conversation, not an application.

No obligation. No paperwork to start. No pressure.

Just clarity.

If you’re moving to Everett or getting to know the city, understanding the local transit and commute options can really help you settle in. Everett offers multiple ways to get around — whether you work locally, commute to Seattle, or travel frequently.

This guide highlights the main ways people move through Everett and nearby areas, in a simple and practical way.

Local Bus Service

Everett Transit provides bus service throughout the city, connecting neighborhoods like Silver Lake, Pinehurst, Downtown, and North Everett.

You’ll also find easy connections to Community Transit, which serves all of Snohomish County and links into regional transportation.

Most residents use bus service for:

• Daily commuting

• School and after-school travel

• Neighborhood access without driving

Commuting to Seattle and Bellevue

If you work in Seattle or Bellevue, Everett gives you options beyond I-5 traffic.

Sound Transit Express Buses
Direct, comfortable routes from Everett to Seattle and Bellevue.

Sounder Train (Everett Station → Seattle)
A calm, scenic ride along the waterfront during weekday commute hours. No traffic, no stress.

Community Transit “Swift” BRT Lines
Frequent, reliable service along major corridors for everyday travel.

Many people choose bus → light rail connections, especially as Sound Transit continues expanding north.

Everett Station: The Regional Transit Hub

Everett Station is your link to almost anywhere. From here, you can access:

• Sounder commuter train

• Amtrak trains (Portland, Seattle, Vancouver BC)

• Intercity transit connections

• Express buses to Seattle, Bellevue, and the region

It’s the easiest way to travel without relying on a car.

Air Travel: Paine Field & Sea-Tac

One of Everett’s best conveniences is Paine Field Passenger Terminal — a small, modern airport with a relaxed atmosphere and hassle-free travel. Ideal for business trips, quick vacations, and family travel.

For international flights, Sea-Tac Airport is still within reach, typically 45–60 minutes depending on the time of day.

Why Transit Matters When Choosing a Neighborhood

Commute routes shape daily life. The right neighborhood can make everything easier — especially for families, remote workers, and those balancing busy schedules.

With over 30 years of helping clients find homes in Everett, I help people understand:

• Which neighborhoods have easier commute access

• Where transit lines actually save time

• How transit affects home value long-term

• Which communities feel most connected and welcoming

Home is more than the property — it’s the rhythm of your days.

Let’s Find the Right Fit for You

If you're exploring Everett and want a clearer sense of neighborhoods, commute options, schools, or local community feel, I’m happy to help.

No pressure. Just a conversation.

Contact:
Keith Bruce — Local, Experienced, Trusted Real Estate Broker
Veteran-Owned Business | Serving Everett and the Greater Puget Sound Region

If you're considering a move to Everett and you have children, you’ll be happy to know this is one of the most family-friendly communities in the Puget Sound region. Everett offers a great balance of outdoor spaces, youth programs, school-based activities, and recreational sports — all in a city that still feels welcoming and down-to-earth.

Whether your kids love sports, exploring, creativity, or the outdoors, Everett has something for them.

Top Parks for Kids in Everett

Everett has a strong park system, with local spots that are perfect for afternoons out, birthday gatherings, or weekend adventures.

● Forest Park
The largest and oldest park in Everett — with wooded trails, open fields, and a seasonal splash pad that kids love.

● Silver Lake Park
A family favorite for picnics, paddleboarding, and “run around and burn off energy” playtime. The playground and walking paths are great for young families.

● Legion Memorial Park
Beautiful views, large grassy areas, ball fields, and a playground. Great spot for summer evenings or watching fireworks in July.

● Howarth Park
A gorgeous beach access park with wooded paths and tideplay when the water is low. A great place to explore nature with kids.

Indoor Activities & Family Fun Spaces

Rainy days? Everett has you covered.

• Imagine Children’s Museum (Downtown Everett)
  Hands-on, fun, educational — a top stop for kids ages 2–10.

• Everett YMCA (New & Modern Facility)
  Indoor pool, kids programs, basketball, gymnastics, swim lessons, and family memberships.

• Everett Public Library – Children’s Programs
  Storytimes, book clubs, and STEAM activities that are friendly and welcoming.

Youth Sports & Activity Leagues

If your kids love sports — or you’re looking for a way to help them connect and make friends — Everett has plenty of organized programs:

OrganizationProgramsNotesEverett YMCABasketball, soccer, swim, gymnasticsBest for young players learning fundamentalsBoys & Girls Club of Snohomish County (Everett Unit)Flag football, basketball, soccer, after-school programsEncouraging, team-focused environmentEverett Parks & Community Services LeaguesBaseball, soccer, community activitiesAffordable and localAAU Basketball (Local Programs + Regional Teams)Competitive youth basketballFor kids who want a higher-competition levelNorth Everett Little LeagueBaseball + softballStrong community atmosphere

Everett is full of welcoming communities — joining a sports league or activity group is one of the easiest ways for kids (and parents) to meet new friends.

Why Families Work with Keith Bruce When Moving to Everett

Relocating with children brings a different set of priorities — schools, neighborhoods, walkability, commute times, and community feel matter more than square footage alone.

Keith Bruce has worked in the Everett and greater Puget Sound real estate market for over 30 years. As a Navy veteran, coach, and long-time supporter of youth sports, Keith understands:

• Which Everett neighborhoods feel most “family-centered”

• Where parks and play spaces are most accessible

• How commute and school zones impact daily life

• What matters to parents when choosing a home

Keith doesn’t rush the process — he listens, guides, and helps families feel confident in their decisions.

Want Local Guidance as You Explore Everett?

If you’re researching neighborhoods, schools, activities, or home options in Everett, I’d be happy to be a resource — no pressure, just conversation.

Contact Keith Bruce
Local, Experienced, and Trusted Real Estate Broker
Serving Everett and the greater Puget Sound region