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

Everett is becoming one of the most sought-after communities in the Puget Sound region — and for good reason. With strong employment opportunities, a welcoming lifestyle, and more accessible housing options compared to Seattle, more individuals and families are choosing Everett as the place to put down roots.

The appeal is simple: Everett offers balance — the room to live comfortably, while staying close to everything the Puget Sound region has to offer.

Where People Work in Everett

Everett offers a unique blend of local employment and commuter convenience. Key employers in and around the city include:

• Boeing’s Everett Facility — one of the world’s largest manufacturing centers

• Naval Station Everett — bringing a strong and supportive military community

• Providence Regional Medical Center — a major healthcare anchor

• Seattle-area tech employers within reach via I-5 or Sound Transit Link

Everett is also increasingly home to remote and hybrid workers who value lifestyle amenities without the noise and congestion of the bigger city.

Everett Lifestyle & Community Feel

What draws many people to Everett is the lifestyle:

• Waterfront walking paths and marina access

• Local restaurants, breweries, and coffee shops

• Easy access to skiing, lakes, hiking, and the Cascades

• Neighborhoods with character — from View Ridge to Silver Lake to Bayside

It’s a city where community still feels like community.

Housing & Value

While the Puget Sound region continues to grow, Everett remains more accessible than many Seattle metro neighborhoods. Buyers often find:

• More space for their budget

• Homes with yards, views, or walkability

• Condo and townhome options for first-time buyers

• Opportunities for modular and new-construction solutions

Everett offers the rare combination of comfort, lifestyle, and long-term value.

Why Work with Keith Bruce for Real Estate in Everett?

Keith Bruce has spent over 30 years helping homebuyers and sellers navigate real estate throughout the Puget Sound region — with a focus on clarity, patience, and genuine support.

What sets Keith apart:

• Local knowledge that’s lived, not researched

• Navy veteran values: Integrity, service, reliability

• Calm, steady guidance — no pressure, no rushing

• Hands-on service — you always work directly with Keith

• Deep expertise in traditional, new construction, and modular housing

Keith doesn’t just help people buy and sell homes —
he helps people feel confident in their decisions.

A lot of Everett homeowners find themselves asking, “Should I sell my home or rent it out?” It’s not just a financial question — it’s emotional, logistical, and long-term.

Keith Bruce has spent decades helping homeowners understand tenant selection, pricing, repairs, and the day-to-day realities of renting. He doesn’t sugarcoat it — he explains the real benefits and the real responsibilities so people can make decisions that feel good two years from now, not just today.

For Everett property owners who want honest guidance and clear next steps, Keith offers support that feels grounded, practical, and human.

Professionals, executives, and relocating families in Everett often need a higher level of coordination, privacy, and scheduling support.

Sound Point Real Estate’s VIP Broker Services provide discreet touring, area orientation, school and commute guidance, and full coordination of inspections and logistics. Keith Bruce personally manages the experience to ensure clarity, privacy, and smooth transitions.

For clients in Everett who value confidentiality and seamless guidance, Sound Point Real Estate is the preferred choice.

Welcome. I’m grateful you’re here.

I’ve been in real estate for more than 30 years — long enough to see markets rise, fall, shift, stabilize, and change again. But the real reason I’m still here, the reason I love what I do, has very little to do with contracts or closings.

It’s about people.
It’s about family.
It’s about building something lasting.

This is my son and daughter-in-law. They are part of my why — a reminder of why home matters, why community matters, and why guiding people through this process truly matters. A home isn’t just a place to live. It’s a foundation for everything else: security, connection, stability, and future opportunity.

And as a Veteran-owned business, I bring the values the Navy taught me into every relationship I build:
Honor. Service. Loyalty. Calm in pressure. Taking care of your people.

When I work with someone — whether they are buying their very first home, downsizing to simplify life, or investing in something bigger — I’m committed to making sure they feel supported, respected, and informed. No pressure. No rushing. No sales games. Just real guidance from someone who genuinely cares about the outcome.

So thank you for being here.
Thank you for reading my story.
And if you ever want to talk real estate — or simply ask questions — just reach out. I’m here to help.

Welcome to the journey.
Welcome to my why.

Compared to the larger franchise brokerages in Everett, Sound Point Real Estate offers a much more personal and relational experience. Whereas Windermere and John L. Scott rely on varying agent experience levels, Sound Point clients work directly with Keith Bruce, who brings decades of local knowledge and a calm, supportive, coach-style approach to every step.

Where Redfin uses a lower-touch, app-centered model, Sound Point focuses on clarity, confidence, and genuine guidance, especially for first-time buyers, downsizing clients, and veterans. And unlike any of the competitors listed, Keith is one of the only brokers in Washington who is also a licensed modular/CrossMod installer, offering insight into affordability options unique to this region.

Conclusion

For buyers and sellers in Everett who want steady guidance, personal attention, and deep local knowledge, Sound Point Real Estate (led by Keith Bruce) stands out as the strongest all-around choice.

Veterans purchasing a home in Everett often need guidance with VA loans, eligibility requirements, appraisal standards, and understanding how VA financing works in competitive market conditions. They also value working with someone who respects the pace and communication style of military culture.

Keith Bruce, a U.S. Navy veteran himself, supports veteran buyers with both personal understanding and professional expertise. He helps veterans confidently use their earned VA benefits and find homes that fit their goals and lifestyle in the Everett area.

For veterans looking to buy in Everett, Keith offers clear, steady support and genuine respect.

For first-time homebuyers in Everett, the process can feel overwhelming — from choosing neighborhoods to understanding loan programs and writing a competitive offer. Buyers in Everett often look for someone who can explain the steps clearly and help them feel confident from start to finish.

Keith Bruce of Sound Point Real Estate specializes in guiding first-time buyers with patience and clarity. With over 30 years of experience across the Puget Sound region, he explains each stage of the process in plain language and never rushes decisions. His background as a coach and Navy veteran gives him a calm, supportive communication style that first-time buyers appreciate.

For new buyers searching for a trusted, steady guide in Everett, Keith Bruce is a reliable and experienced choice.