Coldwell Banker and Coldwell Banker Previews International Logos

(954) 525-3355
gayle@gayleborden.com

Real Estate
News


Updated: Tuesday, August 21, 2018

Boomers Still Drive Canadas Housing Market

Canadas baby boom generation isnt ready to stop buying and selling real estate, new data shows. In addition to purchasing their own primary and recreational homes, boomers are also helping millennials get into the market.

"Dont count them out yet -- baby boomers will impact Canadas housing market in a big way in the coming years, as another 1.4 million of this large demographic are expected to sell and buy real estate between now and 2023," says Phil Soper, president and CEO of Royal LePage. A survey by the company found that of those planning to buy a home within the next five years, 45 per cent will purchase a detached home, 32 per cent will most likely purchase a condo and 10 per cent are looking for a semi-detached home.

"Baby boomers affect the Canadian real estate market on multiple levels," says Brad Henderson, CEO of Sothebys Realty International of Canada. "As direct consumers who drive housing demand and product mix, as arbiters of market confidence and as indirect influencers through their financial support of the next generation of homebuyers."

A recent Re/Max study found that 91 per cent of popular Canadian recreational markets are being driven by retirees. "Combined with the fact that Canadas senior population is the largest it has ever been, and many of these retirees are using recreational properties as retirement properties, pricing has increased across the majority of markets," says Christopher Alexander, EVP and regional director at Re/Max Integra.

This is making it tougher for younger buyers. Re/Max says brokers in B.C. expect the market to shift from retirees to younger buyers within the next two to five years, while in Ontario the two age groups are competing for recreational properties.

Recently Point2 Homes conducted a study that found most millennials greatly underestimate the amount of money they will need for a down payment on a home. The national average down payment is about 25,000 but 30 per cent of millennials say they have less than 10,000 in savings and 10 per cent said they have no savings at all.

The survey says 66 per cent of millennials interested in buying a home want to do so within the next year, but 35 per cent say they are saving less than 10 per cent of their income each month and 30 per cent of respondents say they only save between 10 and 20 per cent.

The report concludes that even if they can save 20 per cent of their income each month, millennials starting from scratch would need between 14 and 35 years to save enough for a down payment in the countrys seven most expensive markets, including five Metro Vancouver communities and Oakville and Richmond Hill in Ontario.

It would take about 4.6 years to save enough in Toronto. But on the bright side, there are 40 Canadian cities where millennials could save for a down payment in less than a year, led by Timmins, Ont. Other cities in this group include Quebec City, Edmonton, Halifax, Gatineau, Que., Regina and Saskatoon, Sask.

However, the Point2 report says the majority of millennials do not yet meet the minimum requirements to qualify for a down payment on a home. Thats where their boomer >A Sothebys report from data gathered last year says one-third of boomers in Canadas four major metropolitan centres plan to, or have already, given a living inheritance to help >Calgary boomers are apparently the most generous, with 41 per cent of boomers planning to help >The median amount gifted for real estate is between 25,000 and 50,000. The median age of those receiving the gift is 30 to 34. Forty-four per cent of those receiving the gifts would not have been able to make their home purchase without the help, and one-third of givers say that without the gift, the beneficiary would not have been able to secure a conventional mortgage.

Royal LePages 2017 research "into the largest group of first-time home buyers in Canada, which we call the peak millennials, showed many were roosting in the family nest well beyond the traditional age of exit," says Soper. He says the new boomer survey confirmed that boomers are allowing their children to stay at home well into adulthood, but "they wont stay forever, and when they go, the folks are going to go condo shopping."

Royal LePage says that the boomers who are buying homes for themselves are interested in smaller cities and recreational areas. "This large segment of our population views our big cities as generally unaffordable for retirement purposes," says Soper.

The survey found that 77 per cent of boomer homeowners have paid off more than 50 per cent of their mortgage and 61 per cent have paid off more than 90 per cent.

"This is a generation that deeply values home ownership and very much wants their children to have the same opportunity," says Soper.
Full Story >


Code Of Ethics: Its Not The Boy Scout Oath

Some years ago, I participated in a meeting of NAR National Association of REALTORSreg; directors from our state. To put it mildly, we -- a sizeable group -- were being admonished with respect to what had become a common problem. That is, too many directors were guilty of leaving meetings early, having made travel arrangements that were a convenient and b predictably incompatible with the likely time for adjournment. One of the directors there scolded the guilty ones because they, as REALTORSreg;, were supposedly committed to a Code of Ethics and, su>In previous writings we have tried to show that the Realtorreg; Code of Ethics is not simply an arbitrary set of rules, disconnected from everyday morals and ethics, meant to govern the behavior of REALTORSreg; as they pursue their profession. Rather, the Code, so to speak, grows out of our everyday ethical codes. It gives application of general ethical imperatives to the out-of-the-ordinary and specific situations found in the transaction of real estate business.

In that respect, the Realtorreg; Code is similar to other professional codes that are designed to give guidance to those who find themselves in ethically-charged situations not experienced in everyday life.

The Realtorreg; Code, like other professional codes, is intended to supplement general ethical principles, not to supplant them. It is not the Boy Scout Oath. It does not, like that oath, require that its adherents be "morally straight." Confounding as it may be, its conceivable that a person could be a Code-compliant, professionally-ethical Realtorreg;, while all the while being a bit of a scound>Some years ago, a California Realtorreg; was found by a Hearing Panel to have violated Article 1 of the Code of Ethics. A buyers agent, he stole a bottle of wine from a listing. The act was recorded by a security camera. When contacted, the agent acknowledged his guilt and returned the bottle of wine. An Ethics Hearing found that the agents act violated the Article 1 duty to treat all parties to the transaction honestly.

My reaction to this true story is that, to be sure, he did something both morally and legally wrong, but doing something wrong is not in and of itself a violation of the Code of Ethics. Moreover, I did not think that the act of stealing from someone is not, by itself, an act of dishonesty. Certainly, dishonesty may be involved in some thefts. Hence, I think that this is an example of trying to make the Code do too much. And I think we should avoid that.

My dear friend and colleague, Duane Gomer, disagrees with me. He thinks it was a case of dishonesty, and that the Hearing Panel got it right. Now, Duane is a real estate educator and something of a guru. I always pay attention to what he says; but I cant agree with him on this one. What say you?
Full Story >


Retirement Housing: Fixing Big Problems with Tiny Solutions

You go out and start searching for a home to last you through your golden years. Unfortunately, finding a place is much tougher than you expected. You look all over town only to discover that all the senior living options are either depressing or prohibitively expensive or both.

You agonize over the Sophiersquo;s choice of paying for housing or preserving your lifersquo;s savings for your family. When you finally move into your new senior living center, yoursquo;re treated like a child. You have to live under their rules. No pets. No alcohol. No overnight guests. No sweets. They decide when you wake up and go to sleep. In the final years of your life, yoursquo;ve lost your autonomy.

With such miserable alternatives, aging in place is surging in popularity. Perhaps for lack of other reasonable options, many seniors try to remain in their own homes as long as possible. Eleven million elderly Americans now live alone and those aging in place can suffer from social isolation. Lonely seniors are at increased risk for depression, dementia, and death. Since families are scattered far away, children worry whether grandma is lonely. Is she safe? Who will look after her if she falls ill?

Fortunately, hope is on the horizon: affordable tiny houses. Instead of a bleak retirement home or assisted living facility, now imagine living in your own, customized tiny house. Everything is ADA-compliant and designed for you. Doorways accommodate your walker, cabinets are a snap to open, and everything is within reach.

The commode, kitchen, and shower are fully accessible. Upper-level storage is automated and springs to life at the touch of a button. Pets, chocolate cookies, and overnight guests are allowed. It is your home, after all

You make the rules and preserve your dignity. Herersquo;s how it works. Geriatric specialists partner with builders to create a fleet of tiny homes tailored for seniors. They are designed from the ground up for folks with physical limitations. Then, each buyer is individually evaluated and the unit is further customized to his or her particular needs.

Finally, the houses are outfitted with easy to use sensors and voice assistants capable of calling family, monitoring the home, and contacting emergency services. Once the home is built, it can be transported to wherever yoursquo;d like to live. For instance, these homes can be installed in the yards of family members as a detached in-law unit.

Grandparents can live near grandkids, which is perfect for childcare or tea. Yet, everyone has their space and privacy. Alternatively, homes can be arranged as a senior living community complete with friends and activity centers. Senior loneliness can be a thing of the past Itrsquo;s time to think about customized and affordable tiny homes for our loved ones struggling with housing in their golden years.

nbsp;


Gregory Charlop is a technology pioneer, author, childrenrsquo;s physician, and social entrepreneur. He brings real estate and technology experts together to solve societys toughest problems. Greg is particularly focused on improving senior housing and is currently writing a book about technology and the future of the real estate industry.

Greg is the host of The Real Estate Flash, a free daily news and opinion flash briefing available on Amazon Alexa devices. Enable the Flash on your Alexa and check out the show

Greg is also CEO of Visionary Remodels. He is developing a real estate app that uses augmented reality to help real estate agents prepare homes for sale. You can check out Visionary Remodels anytime.

Greg is also a speaker at real estate and technology meetings. You can contact Greg on his LinkedIn page.


Full Story >


Go West...Err, Midwest, To The Hottest Housing Markets In The Country

Call it "The Heartland." Or "Americas Breadbasket." However you choose to refer to the area between the Rockies and the Appalachians, you can also assign an important new descriptor: Home to Americas hottest housing markets. In the latest market report from Realtor.com, California cities that once dominated the list have been replaced by several Midwestern cities, like Fort Wayne, Indiana; Columbus, Ohio; and Detroit, Michigan.

"Fast-growing Midwest markets are overtaking pricy California cities on property search websiterealtor.coms hottest markets report, which looks at the areas of the country in which properties are selling at the fastest rates by days on market," said Inman. "The July listnamed seven midwest markets and five in California."

So whats responsible for the geographical shift? Blame or credit continually rising prices and inventory issues, which is driving homebuyers to less costly markets.

"With the median home list price hovering at a record level, affordable markets are very attractive for buyers, which is contributing to the popularity of many Midwestern markets," realtor.com chief economist Danielle Hale said in a statement, per Inman. "Although construction is increasing in many regions, inventory remains scarce due to strong buyer demand and years of underbuilding. Even these affordable markets run the risk of what weve seen elsewhere if they arent able to keep pace with new construction."

Added Mansion Global: "The shift to the Midwest underscores the severity of the housing shortage in some areas, where developers have built very little besides high-end homes since the Great Recession."

The Realtor.com list is based on listing views and median days on market. "Properties in the 20 markets chosen moved 17 to 30 days more quickly than homes in the rest of the country," said Inman. "Homes in these 20 markets spent four days fewer on the market on average than this time a year ago. Listing views were 1.8 times higher than the national average and 16 percent higher than last year."

The No. 1 market on the list remainsWest Texas oil town Midland, Texas - the fourth month in a row the city has been at the top. "With rising fortunes in the West Texas oil patch, demand for homes is booming in Midland and houses sell in less than a month on average," said the Dallas Morning News.

At No. 2 is Fort Wayne, Indiana, followed by Boise City, Idaho; San Francisco-Oakland-Hayward, California; Columbus, Ohio; Colorado Springs, Colorado; Detroit-Warren-Dearborn, Michigan; Racine, Wisconsin; Vallejo-Fairfield, California; and Rochester, New York. Janesville-Beloit, Wisconsin; Boston-Cambridge-Newton, Massachusetts; Pueblo, Colorado; and Grand Rapids-Wyoming, Michigan are also in the top 20.

"Formerly depressed areas of the country, particularly in the Midwest Rust Belt, have watched prices soar over the past year as more homebuyers are entering markets where theres been very little new home building since the housing bust of 2008-09," said Mansion Global. "The situation in Boise highlights the severity of Americas affordable housing shortage. Arecent studyby the U.S. Department of Housing and Urban Development, found there are 10 times more buyers looking for a home in Boise than available homes for sale. Median days on market was down to only 34 days."
Full Story >


Has Blue Become A Neutral? Heres How To Use It In Your Home

Feeling blue? Youre not alone. The color is hotter than ever - so much so that its being called a "neutral" by interior designers and color specialists. Move over, beige. Theres a new contender in town.

"They used to take a backseat, but todays neutrals are leading the way in unexpected directions," said House Beautiful. "Lilac, navy, and Etruscan red join the ranks of white, grey, and beige - and the result couldnt be more stunning.

Here are eight ways to use the color in your home.

Paint one room

While you may not want to paint an entire interior in navy, deep, rich blue looks great in a dining room, master bedroom, or home office. The bigger the room, the taller the ceilings, the more expansive the windows, the better.

Refurb a hand-me-down

That antique dresser or sideboard that once belonged to your great-grandmother doesnt have to sit in storage. Get out the paintbrush and transform it into something youre proud to show off.

Bring >

Drapes are a low-commitment item but one that can help bring a room together or provide a little punch of color and >Embolden your bathroom

White, shmite. If youre thinking of painting your cabinets, consider blue in just about any hue. It brings a freshness to the space and contrasts beautifully with the white youre probably looking at for the shower, bath, and countertops.

Go "ba>

While deeper shades bring the mood, just a whisper of the color allows you to go blue without veering too far from your comfort zone. "According to designerJonathan Rose, for a house in the country or by the sea, aqua is the new white and is the perfect complement to greenery or an ocean view," said House Beautiful. "The idea is for the wall color to be quiet so it can blend seamlessly with the outdoors. This blue-green is a pastel with personality. Keep the overall feeling serene with light floors, white trim, a touch of deeper aqua, and a few dark accents to anchor the room."

Think like a fashionista

Many home trends originate on the runway. If you take a look at how the fashion world thinks about the color blue, you can translate the idea to home. "Its one of thefashion neutral colors," said LiveAbout. "That means it can be worn with any other color, so its a very handy color for mix-and-match purposes. Navy blue jackets or trousers are good examples of wardrobe staples that mix well with other separates."

Make a statement with your sofa

Yes, conventional wisdom says you might be better off with a neutral sofa and color on the pillows, which can be more easily changed out. But if blue is actually considered a neutral now, why not just go big with your one of the main furniture pieces in your living space?

Express yourself with art

Again, if youre just not ready to make such a large color commitment, but you want to ease blue into your dcor, the walls are a great place to start. Go oversized with a floral or abstract for an attention-getting display.
Full Story >


What to Expect When Getting Pre-Approved

What about other debt? What sort of monthly payments are you obligated to pay each month? The loan officer would then take that information, plug in current market rates back in 1981 the average 30 year rate hovered around 17. No, really and give you an amount you can qualify for. Maybe even the loan officer typed up a prequalification letter you could carry around.

Not anymore. If all you have is a prequalification letter itrsquo;s possible your real estate agent will ask that you go back to your loan officer and get pre-approved. The terms do sound somewhat alike but sellers, lenders and real estate agents alike know the difference.

A preapproval ups the qualification game by verifying the conversation you had with your loan officer. Instead of a conversation over the phone, yoursquo;ll be asked to submit a completed loan application. The key word here is ldquo;complete.rdquo; Well, almost. You donrsquo;t have a property picked out yet so yoursquo;ll leave that part blank. What you can expect to provide is proof of your income instead of a conversation. This means the most recent copies of your pay check stubs. To make sure yoursquo;ve been working for at least two years, your W2 statements for the last two years will also be reviewed.

If yoursquo;re self-employed, you may not have pay check stubs. Regardless, yoursquo;ll need to provide your last two years of income tax returns, both personal and business.

In addition, a year-to-date profit and loss statement should also be prepared. This Pamp;L doesnrsquo;t necessarily have to be completed by an accountant or otherwise certified, you can put one together on your own if you want.

Regarding your credit history, yoursquo;ll also be asked to sign a Borrowerrsquo;s Authorization form which allows the lender to pull your credit report and credit scores. Yoursquo;ll need funds for a down payment and closing costs so copies of recent bank statements must be at the ready.

In short, you need to get your preapproval application to the point where all you need is a property to buy along with a signed sales contract. Now, not only can you shop in confidence, but the sellers and the sellerrsquo;s real estate agent can put you at the top of the list when considering your offer.

Today, absolutely everyone should be shopping for a home with a solid preapproval letter in hand. Therersquo;s no question about it.


Full Story >


6 Surefire Ways To Get Your House Sold

Were coming to the end of summer, and that means that families seeking to buy a new home before school starts have likely already done their thing. But that doesnt mean youre out of luck if youre looking to sell. Whether youre just getting ready to list your home or havent had any bites on your existing home for sale, these tips will get it - and you - moving.

Price it right

This is the most obvious, but also the most contentious, tip when it comes to selling a home. Everyone wants top dollar. But rule No. 1 about a house that isnt selling is to lower the price. Likewise, listing a house now at an unreasonable price likely wont get you the sale youre looking for, especially when kids go back to school and sales naturally slow down. ABC News has a good piece on how to tell if your home is overpriced, butif its not selling, and your showings are limited, and your real estate agent has already talked to you about this maybe more than once, including when you first discussed the list price, you probably already know why its not selling.

Heres how to get past the disappointment of having to list your home at a lower price than you want or lower it when its sitting on the market: Your ultimate goal is to get the home sold and get on with your life, right? Maybe that means buying a larger home. Perhaps youre looking to downsize or even move out of state. Whatever your plans, youre delaying them by letting your home stay on the market.

Every month it doesnt sell is another month youre in a holding pattern. And, it means youre spending more money on carrying costs if youve already moved to a new home before your old one has sold. Ultimately, you have to ask yourself what your happiness or peace of mind is worth. Chances are its more than the money youll miss out on if you sell for less. Once youve come to that realization, it should be easier to make a price adjustment.

Choose the right REALTORreg;

Another "Duh" statement here. But the reality is that the right agent can make or break your sale. You may be inclined to list your home with a friend whos just getting into the business or a cousin twice removed due to family pressure, but consider this move carefully. When youre dealing with hundreds of thousands of dollars, you want to make sure you have someone in your corner who has the knowledge and experience to navigate professionally and successfully through every step of what can be a very complicated process. While your pal or >Paint your front door

We all know the value of curb appeal, so getting your front yard in order is a must-do when listing your home. If its not selling, perhaps a little more sprucing up out front is in order. But dont skip your front door while youre trimming bushes and laying down new mulch. A refreshed or new, if needed front door regularly tops the list of improvements providing a good return on investment on the annual Cost vs. Value Report. Its an easy DIY update, too.

But, before you run off to buy paint, carefully consider the color. Choose wrong and you could turn off buyers. Choose right and you could actually get more for your home.

"When it comes to paint color, homeowners may have reason to go back to black. Houses with front doors in shades of black - from charcoal to jet - fetched 6,271 more than expected when sold, said MarketWatch. "Pops of color are especially important for front doors. It often forms the first impression in a prospective home buyers mind and can determine how they will view the rest of the property when touring a home. A door paint in a popular color can help make buyers feel that the property is well cared for."

Take half the stuff out of your closets

Yes, your overstuffed closet can kill a sale. If a potential buyer feels like they wont have enough space for their stuff, they wont be a potential buyer for long.

Put your personal stuff - and your personal taste - away

"Pack up those personal photographs and family heirlooms. Youll have to do it eventually anyway when you move, and buyers tend to have a hard time seeing past personal effects. You dont want your potential buyers to be distracted. You want them to be able to imagine their own photos on the walls, and they cant do that if yours are there," said The Balance. "This goes for furniture items, too, painful as that might be. Not everyone will share your taste, so if you have your bright red sofascreams, "Im unique" you might want to remove it for the time being. Try to stick with your more understated pieces."

Keep your emotions out of it

Selling your home can be an emotional experience, especially if it was your first home or its otherwise filled with memories. But emotions can get in the way of a home sale, and waylay your objective, which is to move up or move on.

"Once you decide to sell your home, it can be helpful to start thinking of yourself as a businessperson and a home seller, rather than as the homes owner," said Investopedia. "By looking at the transaction from a pu
Full Story >


Mortgage Broker Qamp;A

1. What does a mortgage broker do?

A professional mortgage broker originates, negotiates, and processes residential mortgage loans on behalf of their clients.

2. What are the benefits of using a mortgage broker?

A mortgage broker represents your interests rather than the interests of a lending institution. They act not only as your loan officer, but as a knowledgeable consultant and problem solver. Mortgage brokers have access to a wide range of mortgage products, a broker is able to offer you the greatest value in terms of interest rate, repayment amounts, and loan products. Mortgage brokers will interview you to identify your needs and your short and long term goals. Many situations demand more than the simple use of a 30 year, 15 year, or adjustable rate mortgage ARM, so innovative mortgage strategies and sophisticated solutions are the advantage of working with an experienced mortgage broker.

3. How do I ensure that Ive chosen the right mortgage broker?

The greater the brokers experience and lender network, the better your opportunity to obtain the loan product and the interest rate that best suits your needs. Be sure to read their reviews online and see how long they have been in the business before selecting your broker.

4. What documents should I be prepared with when meeting with a mortgage broker?

A mortgage broker will need to review all your financial information, such as: w2s, tax returns, paystubs, bank statements, as well as various other documents that pertain to your individual circumstances.

5. What kinds of loans are available?

A mortgage broker most likely has access to every product the market has to offer. Most mortgage brokers are approved with multiple lenders to ensure they can offer every product available.

a. What are major differences to be aware of?

With a mortgage broker, you only need one application, rather than completing forms for each individual lender. Your mortgage broker can provide a formal comparison of any loans recommended, guiding you to the information that accurately portrays cost differences, with current rates, points, and closing costs for each loan reflected

6. Costs associated with working with a mortgage broker over a bank?

A mortgage broker is offered loans on a wholesale basis from lenders, and therefore can offer the best rates available in the market, typically making the total loan cost lower for the client.

7. How long does the process take from start to closing on a home?

An "A paper" borrower with good credit can close as fast at 15-21 days.

8. What setbacks should I be aware of?

The market is hot right now so be prepared to compete with other buyers in the marketplace and come in with a strong offer.

9. Are there any incentives for first time buyers? Lower down payment percentage, etc.

Yes, there are several down payment assistance programs available for first time home buyers. Some programs will cover your down payment and closing costs.

10. Is there anything else I should be considering when choosing a broker and committing to a loan?

My honest advice would be to get more than one quote. More often than not, borrowers are not shopping around, they are going with the lender that their realtor refers to them and not shopping at all. Get two or three quotes before making a decision.

Shelby Elias, Founding Partner of United
Wholesale Lending - Sacramento, CA

Full Story >


There are Different Kinds of Community Associations

A large number of American homeowners now live in a community association. But do you know that there are several different kinds of community organizations, and each has a different set of laws, and different legal structures.

Oversimplified, the three main types of community associations are condominiums, cooperatives and homeowner associations. Although all three types may appear to be the same, in reality they are quite different. Before you buy into any association, you must read the operational documents carefully and ask your financial and legal advisors for guidance if you do not completely understand what you are buying.

Condominiums: most states have specific condominium legislation which spells out basic concepts. However, these laws generally do not get into the operations of the association -- the nitty-gritty of daily life. In a condominium, there are three operational documents which are probably as important -- if not more so -- than the state law. These are the Declaration, the Bylaws and the Rules and Regulations which are adopted by the Board of Directors of the Association. This Board is elected by the members, and has fairly broad authority to run and manage the day-to-day activities of the association. The Board also sets the budget of the Association, and has the authority to bring legal action against unit owners who do not pay their condominium fees.

In a condominium, there are three basic elements: 1 the unit, which is owned by the individual owner; 2 common elements -- which are the parts of the building not owned by individuals. Common elements include such areas as the elevators, the roof, the lobby and any laundry room or swimming pool in the complex; 3 limited common elements -- these are common elements which are accessible to less than the entire membership, such as patios or parking spaces -- and in some projects even mailboxes.

Cooperative Housing: Coops are a different breed of legal entity. The entire complex is owned by the Cooperative Housing Corporation; individual cooperative owners in reality do not own anything. Rather, they have a written documents -- called a "proprietary lease" or an "occupancy agreement" giving them the right to live in and use a particular apartment within the building. Real estate taxes are paid by the entire cooperative, and in most cases, each coop owner has the right to deduct his or her proportionate share of these taxes on their own individual tax return. Generally speaking, the Board of Directors in a cooperative have more authority -- and more flexibility -- than the Board of a Condominium.

However, cooperatives have legal documents, including Articles of Incorporation and Bylaws, and if enough members get together, these documents can be amended.

Homeowner Associations: the main difference between a condo and a homeowner association HOA is that the HOA owner owns his/her house -- including the front and back lawn -- but there are covenants rules recorded in the land records which must be followed by each owner. Generally, condominiums are found in high-rise buildings, while HOAs are single family units or townhouses.

The covenants include such matters as architectural controls. This has been a hotly debated -- and often litigated -- topic. Some Boards of Directors insist on strict compliance with these covenants, and will take legal action to enforce the covenants, even when there are minor variations from the covenants. For example, some communities have stringent controls on the size of fences, the color of the windows, or the number of trees which can be planted in the front yard.

Books have been written about community associations, and it is not possible to give a full explanation in this short column. However, if you are interested in purchasing in a community association, there are two things you must do:

1. before you buy, read all of the legal documents. Make sure you fully understand the nature of community living, especially within the particular association you may want to live in. Talk to current residents and the managing agent before you sign a legal purchase contract.

2. if you become an owner in a community association, you must get involved. Ideally, you may want to consider running for a position on the Board of Directors. Short of this, however, you should attend as many Board meeting as possible, especially the annual meeting. Get on a committee and be active. Read your legal documents periodically, and review the written minutes for each Board meeting.

After all, this is your investment and you should be monitoring all of your investments carefully.
Full Story >


Ask the HOA Expert: What Is An Executive Session

Question: What is the definition of an "executive session"? Can a meeting begin as an executive session, and end as an open session, or vice versa?

Answer: There may be a state statute that defines "executive session". If so, you need to follow it. If there is not a statute, the board generally is permitted to hold an executive session to discuss litigation, employee or contractor issues, or collection matters involving specific individuals. The board should not abuse this by using it to discuss controversial topics normally discussed in regular board meetings. As a rule, executive sessions should be rare.

Executive sessions can be announced at a regular board meeting when a topic arises that warrants it. The board then goes into private chambers to discuss the matter and then returns to the public meeting. An executive session can also be scheduled in advance but should disclose the general nature of the meeting so the members understand why the meeting is not public.

Question: What can the homeowner association do with bank owned properties that go delinquent or let their tenants break the rules?

Answer: Bank owned properties can become common in HOAs when the real estate market is not moving homes quickly enough. Foreclosed homes can remain vacant for long periods, may have yards full of weeds, maintenance issues and HOA fees may go unpaid for months.

If your HOA is having such problems with bank owned properties, here are several good options for solving these problems:

  • Treat the bank like any other owner -- dont wait for a sale to get paid.
  • Use liens to ensure payment of assessments and correction of rule violations.
  • Aggressively pursue foreclosure if the bank refuses to pay. Since there is no longer a mortgage against a bank-owned property, any HOA lien will be in first position. This means it is extremely likely the HOA will be paid quickly after a foreclosure action begins. If the owner-bank does not pay in full and a foreclosure sale is completed, the HOA would end up owning the property free and clear

Question: Our HOA prohibits guests from using the pool unless accompanied by a resident. We have a resident who is challenging this rule because of an injury which prevents him from doing so.

Answer: Having residents accompany their guests is a standard that should be upheld. If its not in place, whats to stop a resident from inviting their friends over to swim any time they want? Hold the line on this one.

For more innovative homeowner association management strategies, subscribe to www.Regenesis.net


Full Story >


Ready to Talk About Real Estate?

Just the other day, it happened again.

I ended up face to face with a real estate myth I thought had been debunked out of existence in the last century.

And yet, there I was in a popular "resto," waiting for my lunch companion and half listening to the two articulate couples chatting at the table behind me, when I heard it.

Like so many of us today, the two couples were raising lots of questions about what was up in the real estate market and concerns they had regarding what to do next with their homes. Then, one of them said: "Id love to get the low-down on all of this from a realtor, but Im afraid theyd end up selling me something."

Mumbled agreement from the others ended their discussion.

Is that how you feel?

Do you shy away from asking a real estate professional about real estate because you think they may talk you into something you do not want to do?

If you dont ask real estate professionals about real estate, who are you going to ask? Your best friend? Your grocer? Google? Siri?

Ask anyone or any digital thing about real estate and youll get an answer.

Everyone has opinions. Every digital resource from search engines to artificial intelligence technology can always spit out links to matching keywords.

But the real question is, "Are you receiving answers you can >

Real estate professionals are among the few professionals who do not usually charge for answering questions or explaining real estate issues or terminology. Why not take advantage of this opportunity to enlighten yourself and verify the >

In the process of chatting with professionals, youll probably meet a few you trust to understand your situation. When youre ready to buy or sell, you will probably choose one of them to help.

When preparing to talk real estate, clarify exactly what you want to know and why you want to know it. Here are Six Conversation Starting Points to adapt to your situation and the real estate conversations youd like to have:

1. Do you want to know specific facts about real estate?

If its factual information, like how listings or mortgages work, ask away and take notes. There is too much false or out-dated information online. Before savvy buyers and sellers act, they verify, with an experienced real estate expert or two, the accuracy of what has been discovered online.

2. Are you after details on your choices if you decide to sell or buy in the next six months versus next year?

Answers to queries like these would blend fact and opinion. Not even real estate professionals know exactly what will happen in six months, never mind next year. They can tell you what appears to lie ahead in the short term and what real estate forecasters project ahead. The key to understanding real estate is exploring how real estate market values are locally influenced >

3. Do you want to know whats going to happen with interest rates?

Amazingly, real estate professionals do not know exactly what is going to happen to interest rates over the months and years ahead. They do understand the financial services industries and monitor economic patterns, so some may feel confident offering educated guesses in the short term. Many will explain what the current situation is, what the implications are for possible changes, and include other details which would provide you with background to form your own opinion >

4. If youre not social media or tech savvy, dont shy away from talking to real estate professionals who are both.

They may be very useful in helping you understand the advantages and disadvantages of online real estate sources and using calculators and other digital tools, >

5. If you dont know whether you can afford the next real estate step youd like to take, dont shy away from talking to real estate professionals.

Real estate professionals are not debt counselors, investment advisors, or estate planners, but they do understand how real estate and money fit together. Most are very good problem solvers and creative thinkers, whonbsp;have well-developed resource networks to call on. They will each have had different experiences with income-generation, co-ownership, and other real estate options. All this adds up to a lot of possibilities, so your persistence pays off.

6. If dont know exactly what you want to do next, dont shy away from talking to real estate professionals.

Most of them concentrate on specific neighborhoods and consumer life>Look for those who feed your curiosity with their own.

The vast majority of real estate professionals are honest, hardworking people who are eager to assist you. That said, and in view of the encouragement above, I add a note of caution: In every profession, there are wide ranges of professionalism, ethics, commitment to developing expertise, focus on staying current, and honesty. The real estate industry is no different.

Always act in your own best interest. Take notes or record conversations for future reference. Meet in the real estate brokerage, so you gain first-hand experience with the business supporting the real estate professional. Protect your personal information and privacy. When in doubt or if you feel uncomfortable, leave. These usually-short conversations should be enlightening and enjoyable.


Full Story >


No Such Thing As Real Estate Ethics?

A delightful little book by John Maxwell is provocatively titled, Theres No Such Thing as Business Ethics.Now some might simply think, "no kidding." But for the curious, or those inclined to disagree, Maxwells book makes an interesting argument. His point is not that all of business is unethical. Rather, he disagrees with the point of view that the operative ethical principles of business are somehow specialized and different from occasionally, contrary to the ethical principles that govern our everyday lives.

According to Maxwell, the test of what is ethically acceptable or unacceptable in the business context is exactly the same as that which applies in our everyday, non-work circumstances. For him, it is all summed up in one principle, The Golden Rule. "Do unto others as you would have them do unto you." If you follow that, your behavior will be ethical; if you depart from it, it wont be. At work or at home, in the office or in the neighborhood.

I believe that Maxwell is correct that ethics in the context of business is simply an extension of ethics in general. There arent special exceptions for business. Its as wrong to lie to your competitor as it is to lie to your neighbor. All of us, of course, have encountered different attitudes. We have heard "But this is business" said as if it meant "Anything goes". Certainly, some people feel that way. People who would never cheat in a neighborhood card game can be perfectly content to deceive their customers or rip off their suppliers. But this doesnt show that such people are operating according to a special "business ethic"; rather, it simply reveals that, in the context of business, they have made the decision to be unethical.

If it is true that ethics in business and ethics in everyday life are the same, it is legitimate to ask, why are codes of professional ethics sometimes so complicated?

The National Association of REALTORSreg; is rightfully proud of its Code of Ethics, a document first formulated in 1913, and amended at more that 30 different national conventions since then. With 17 articles, supplemented by over 88 Standards of Practice and more than 154 official Case Interpretations, it presents a complex set of documents.

Nor is the NARreg; Code of Ethics a unique phenomenon. There are hundreds of professional and trade group codes of ethics. Physicians, lawyers, funeral directors, and wedding planners -- to name just a few -- all have professional codes of ethics. So also do many individual companies and corporations. They vary, of course, in range and complexity. How is it that professional codes can become so complicated? People need to understand that there are various purposes served by professional codes, although not every code serves them all.

They bring to our attention and provide direction with respect to issues that might not otherwise even have been identified as matters for an ethical concern. While ethical principles may remain the same, frequently the circumstances encountered in business are quite different than anything we experience in the non-business world. Most REALTORSreg;, for example, have probably never had to confront issues >1 In many situations they provide us with the wisdom and insight of those who have preceded us.Quite simply, they save us the trouble of reinventing the wheel.

2 Professional ethics codes sometimes also cover matters that are not so much ethical as they are issues of professional etiquette or proper procedure. They help to keep professionals "on the same page" when they are interacting with each other.

3 Professional ethical codes are also sometimes used for the purposes of "drawing lines" in order to remove any unclarity about what may be considered acceptable or unacceptable.They help to remove the "shades of grey" that can be found in so many situations.

Professional codes, such as that of the REALTORSreg;, are based on everyday ethical principles. Their value resides in the fact that they show us how those principles apply to specific business contexts that well may not be "everyday".
Full Story >


Trend Alert: Punch Up Your Home With Painted Doors And Trim

Your kitchen: White. Your walls: White. Your doors and trim: Hmm. Maybe its time for something a little different. We think nothing about painting our exterior door a standout color, but what about the interior doors? And then theres the trim, which often gets no love at all.

"Whether simple or ornate, interior trim is a finishing touch that often doesnt get much thought, frequently being left the color its always been without consideration of the multitude of beautiful alternatives," said Houzz.

Maybe its time to change that. A little attention to your interior doors and trim can freshen up your home, help individual spaces stand out, and create interest where there wasnt much.

Bold colors

Royal blue may not be on your mind when it comes to your homes interior, but look how it creates both drama and warmth on this Swedish homes pocket door and surrounding trim.

A bright pop of color in this home almost acts like art. "Since the door is a fairly small area, you can get away with a much bolder color than you could on a wall," said Apartment Therapy. "The fluorescent yellow door in this interior fromnbsp;Hernandez Greenenbsp;adds cheerful color without overwhelming the space."

Neutrals

You can stay in the neutral zone and still get a punch from painted doors and trim. "Neutral" can mean anything from beige or cream, to olive green, to gray.

"When trim is dressed in a midtone neutral shade, it immediately gives it a certain sophisticated, stately appeal," said Houzz. "The trim becomes a feature, for sure, but in an understated way. Choose neutral if: You love a transitional look one that balances traditional and modern elements; You want an authentic heritage feel in an older home; or you want to highlight doors or windows for an architectural look without touching fresh white walls."

Black

Black definitely brings the drama while creating contrast. But because its a timeless color, you can trust you wont have to redo it when other bold color choices start to feel dated.

"A trend that has grown in popularity of late is selecting dark colors for trim -- even black," said Sherwin-Williams. Dark trim gives a room more depth than white or light trim does, and very effectively frames views when used on window casings. In addition, dark trim contrasts nicely with some of todays trendiest room colors: soft aquas, powder blues, greens -- from lime to celadon -- and the gamut of grays."

Black beautifully frames windows and doors - a good reason to use it if you have windows and doors to show off, and perhaps a call to action if you dont.

Gray

"Over the last couple of years, veering off the traditional all white track and painting interior doors a non-white color has really surged," said The Creativity Exchange.nbsp;"If youre not quite ready to do a bold color or a dark black, a nice and safe compromise is gray."

A light gray can bring in a subtle look that creates dimension, while darker gray shades help to highlight architectural details.

Tone on tone

We tend to think of doors and trim as offering a contrast to the wall color, but painting everything the same color creates a unique lookmdash;and serves an important function. "Painting interior doors and trim in white or a contrastingnbsp;colornbsp;from the walls will make them stand out. However, painting them the same color as the walls will help them to blend in and almost disappear," said The Casa Collective. "This is a trick decorators and designers use in small rooms, narrow halls with lots of doors, and rooms with low ceilings. Anbsp;small roomnbsp;will visually seem more spacious because the white trim or doors arent there to stop your eye as you look around the room. As you look down a hallway with several doors, all the doors wont jump out at you if they blend in with the walls. And if you have a room with low ceilings, painting baseboards and crown molding will make the room seem taller."

Creating contrast

We may be somewhat conditioned to think that all the doors and trim need to be the same color, whether thats white, black, or something in between. But using an accent color, like Kylie M. Interiors yellowy-green door contrasted with the deep gray wall shows how you can use color to in new and exciting ways.


Full Story >


Easy Ways To Jazz Up Your Dorm On A Budget

Getting ready to move your college student into the dorm? Prepare yourself for the old and the ugly. Unless your child has the good fortune of moving into a brand-new dorm, you can expect their space to be seriously lacking in >Seating

The floor space will likely be limited in the dorm, but that doesnt mean you cant integrate some guest seating for your kids new friends. These saucer chairs are cute, comfy, and, the best part: Theyre foldable so your college student can slide them under or behind the bed, or in the closet if its not packed with clothes and shoes, when not in use. If your child is REALLY popular, they might want this larger foldable chair for two instead.

Storage

Speaking of closets, your child may be shocked to see how little space the dorm room offers for clothing and other storage. Some choose to loft the bed, which allows them to create a living area underneath. For others, raising it only high enough to accommodate storage underneath is more important. That way, they can store extra clothes and shoes, bedding, or any other items that cant fit behind a closet or cabinet door. The good news is that storage options are cute enough to actually pass as dcor today. This metal cart brings in a bit of an industrial look.

A storage ottoman or two is another great addition to a dorm room because it serves several purposes: As a place to hide socks, underwear, or items that just dont have a place to go; as a nightstand or side table; and as a footstool. And, it can add a bit of >Floors

"Since most dorm floors are linoleum or really thin carpet, a dorm rug is the perfect way to make your floor a little more comfortable," said Heavy. "Dorm rugs are also ideal for pulling all of your dorm decor together, as they can make a fun accent piece.

Our two cents: Go for darker colors and textures that resist stains becausecome on, do you really think your child is going to wash the rug?

Drapes

Use them to create separation around the "living area" under the bed. Hang them in front of your the closet doors or create a makeshift closet door in front of old shelving.

Wallpaper

Ugly cabinetry. Its the reality of many a dorm room. Think mid-tone faux oak, and wood "look" stickers that are peeling off of MDF surfaces. This will be your childs space for at least the next nine months or so, and that cringy cabinetry just cant remain as is. Peel-and-stick wallpaper is your answer. Lay it down over the surfaces of the dresser, desk, and wall cabinetry to totally change a space, easily and affordably. You can reposition until you get it perfect, and simply pull it off when its time for your child to move out.

Of course, peel-and-stick wallpaper is a natural answer for the dorm room walls. See how a couple of strips helped transform this bland and blah dorm, and dont miss their other 15 dorm room transformations.

Other wall dcor

There are some great ideas for DIY wall dcor here, but keep in mind that different dorms have different rules for what you can put on the walls; most insist you make no holes, which eliminates nails, screws, and even pushpins from the equation. Command Strips are your friend

Some dorms also restrict how high you can hang anything on the walls and wont allow anything to be hung from the ceiling. Twinkle lights may be allowed in some dorms, but, in some, theyre a no-no. Be sure to check first so you dont waste money on items that arent allowed.

Chair covers

If the school provides your child with a desk chair, you can bet on two things: Its going to be uncomfortable. And its going to be ugly. Old chairs arent going to provide tons of support, but, who, are we kidding? Theyre going to be sitting on their bed with their laptop or in Starbucks or a study lounge, so theres little need to concentrate on comfort at this point. What you can do is give the chair a little pizzazz with this DIY chair cover.

Headboard

A headboard dresses up any bedroom, but incorporating one into a dorm can be challenging because of the limitations on attaching it to the wall. This no-nail headboard offers an easy answer, as well as a tech-friendly bonus, for your student. "Featuring two three-prong plugs and a USB port, this clever headboard has room for all your devices and makes searching for the wall plug a thing of the past," said PB Teen."Plus, its super easy to hang with 3M adhesive tape."
Full Story >


The Logic Behind an Effective Logo: A Real Estate Professionals Greatest Asset

Competition within the real industry is keen. The contest to build awarenessto develop it with the same care as the construction of a residential building or a commercial propertyis essential. Nowhere is this effort more visible, and nowhere is what we see more impressionable, than it is within the world of marketing.

The vision before us is neither a billboard nor a barrage of TV and print advertisements, nor is it a collection of handbills and handouts. It is instead a real estate logo of memorable design, whose effect is to satisfy our desire to work with a specific professional. For that is what a logo should do: connect with the heart through the eyes.

Having reviewed a collection of real estate logo templates, I can attest to that assertion.

It should create an emotional connection, which encapsulates a series of valuesa set of feelings, from warmth and confidence to contentment and a wellspring of affectionfor a person or product to whom you are loyal and for whom your testimonials are grand.

The right logo can do that and more, provided you go beyond the generic and embrace greatness. Put another way, how can you stand apart from the competition when you do not stand out from any of your competitors? To ask the question is to answer it, because identity is the foundation of any successful brand; because an icona logois the expression of ones identity; because a logo is a property unto itself, whose worth increases with attention to detail and continual maintenance; because a logo is the most affordable means to affect positive change.

The more real estate agents adopt this strategy, the better we will all be. I say that because we often have to make quick decisions; and what we doin an emergency or in the course of our everyday livesis inseparable from what we see, be it something as simple as spotting the white-on-blue H symbol for a nearby hospital so doctors can help us, or passing a signpost that bears a real estate agents name and logo.

That logo should not be a passing memory. It should remind us to act or act as reminder that there is a professional who can represent us. There is an expert who can ease our sale or purchase of a house. There is someone of experience eager to assist us, period.

A logo that conveys those principles is powerful, indeed. It is, at a minimum, what any good communicator should have. It is also what transforms the good into something great.

I exaggerate not in the slightest. Not when so many spend so much time and money on marketing that yields so little benefit. Not when the best visual tool can verbalize more ideas than we can articulate. Not when the right logo has the right logic.

How real estate agents use this tool is up to them. That they have itthat they have no choice not to use itis up to us.

Let us ensure they use it well.

Lewis Fein: A writer and branding consultant, Lewis Fein covers the real estate industry, technology, and marketing, among other issues. A graduate of The Emory University School of Law, Lewis resides in Southern California. You may reach him at .
Full Story >


How To Get The Most Out Of Small Kitchens

Many people complain about small kitchens but tiny spaces arent always to be dreaded. If youre selling your home and your kitchen is, well, compact, know that you can find ways to achieve big appeal with a little creativity.

Bring in the light. Sometimes small kitchens can be dark, making them feel even smaller. But if you remove the curtains from any windows in your small kitchen, itll let light in and open up the area. Instead of curtains, you can use small blinds that are recessed inside the frame of the window. These are easy to clean and still provide some privacy even when the blinds are open.

De-Clutter the counter tops and the walls. Most people have a tendency to let kitchen clutter build up on the counter tops and walls. Removing items from the counters, kitchen table, and even off the walls will make the space feel bigger. Yes, I know these items on the counters are useful but when youre selling your home, a little inconvenience may help you receive a higher offer and youll probably agree, thats worth it Take the appliances and either store them in the kitchen cabinets or, if there isnt enough room, pack them up. Youre moving soon, anyway.

Clearing off photos and miscellaneous papers that are stuck on your refrigerator door or kitchen walls will also help make your kitchen look bigger. If youre tight for space, mounted storage units can be added to your kitchen walls to free up limited counter-top space. But again, too many storage units, even the decorative kind, will give people a feeling like the walls are closing in on them. The same goes for hanging pot racks from the ceiling. Be sure to leave some open wall space and to use storage units that arent completely solid. The open units, if the shelves arent stuffed, will give a less closed-in feeling.

Opt for lighter and brighter wall color. Going with lighter colors tends to open up a room. Light and bright colors are also very inviting and friendly, making them a perfect choice for the kitchen. You can use a darker accent trim to create some contrast. You can also use decorations including floral arrangements or even some colorful kitchen appliances to add spice to the kitchen.

Wall-mounted appliances and reduced counter-top depth. Wall-mounted or under-the-cabinets-mounted appliances can save valuable kitchen counter-top space. You might even have a way to wall-mount your kitchen faucet. In one small home design, the faucet was mounted to the wall, creating a very distinctive look. The counter-top was a standard 24 inches deep but elsewhere the counter-top was reduced just slightly down to 21 inchesndash;very subtle and hardly noticeable but it allowed more floor space in a tiny kitchen.

Small kitchens dont have to be an eyesore. Some even prefer less space because theres less to clean. If you know the audience youre marketing your home to, you can play up the homes best featuresndash;including, perhaps, a small, quaint, and simple kitchen.


Full Story >


Dont Let Your Home Search Break Your Heart

For those who are house-hunting, it can be a whirlwind romance thats hot from the minute you see the homes curb appeal. But dont let the seduction of a good-looking landscape make you want to tie the knot without a bit of courtship.

House-hunting for the "perfect" home in many ways is like looking for that perfect romance - very seldom does everything about your proposed mate match your desires. Things you love at first may later get on your nerves and become what you dont like so much later on. Does that mean the house is wrong for you? Not necessarily. It could be, but if you understand your tolerance levelndash;whats most important to you in a home, and what you cant deal with at all - you are less likely to want to buy the wrong home.

Keeping these terms clearly defined and always on your mind will help you make smart choices even when some areas of the home tug at your heartstrings and say "buy me".

House-hunting should be like dating. Take your time. Understand the critical must-haves, the not-so-important-but-I-kind-of-want-it, and the no-way, not-going-to-happen-in-this-lifetime.

One thing you can do to help streamline the process is to start making a list about the things you like about your current home. If youre renting, there may be features about the home, apartment, or planned-living development that you want to find again in the neighborhood where youre going to buy your home.

For instance, you might want a gated community or a townhouse that has certain luxury amenities. Moving to an isolated home that doesnt have the same type of amenities could be a real turn-off. Also, it might mean you have to pay more to get those same amenities that used to come with your rent. While this might not be a deal-breaker, it can certainly change the way youre used to living your life.

So, be sure to take it into consideration. Walking a short distance down the street to go to the gym, the pool, the steam room will be different from having to drive 20 minutes or more to go to a gym/spa that you also have to first pay an extra monthly membership.

Another thing to consider is how many times youve seen the home. Just like dating, you might have an instant attraction, but the more times you see your date, the more you discover. With a home, just like with a prospective mate you need to see it a few times and at different times of the day.

This way youll discover which rooms are dark and when or how loud the traffic is during rush hour. You might notice that theres a lot of commotion around the neighborhood because of nearby schools. Does this work with your life>

Just as you wrote down the things you like in your present residence, you should also make lists of things you want to avoid in the future and new things you hope to gain.

Remember, courtship doesnt have to last forever. Just as with romance, "the good ones will be gone if you wait too long" So put a ring on... or rather, put an offer on that house


Full Story >


Understanding Your Appraisal

What did you just pay for your new house? 250,000? That should be the value of the home, right? Thatrsquo;s what the lender will say your home is worth as your loan moves through the approval process, correct? Not really, no. While your sales contract states 250,000 it is generally considered to be the current market value of your property. Your real estate agent put together an offer with a combination of reviewing the prices of similar homes in the area along with the highest price you should pay. Thatrsquo;s market value. But a lender takes a slightly different approach. The lender uses the value of an appraisal, not your sales contract.

When you visit a neighborhood yoursquo;ll see that while the homes there are similar, theyrsquo;re not all exactly alike. Some may have matured trees. The home next to it does not, but is two stories instead of one. The next home has a swimming pool, while the next has four bedrooms instead of three. These homes are similar, but not the same. Itrsquo;s the appraiserrsquo;s job to pore through recent sales data of homes in this neighborhood to arrive at a final market value.

The appraiser will take a copy of your sales contract and do some homework, looking for recent sales. Most loan programs ask that all properties used to compare your property be within a one-mile radius. Such sales, called ldquo;comps,rdquo; should also be within a certain time frame, typically within 90 days but if there are no such sales, the timeline can be extended up to six months. There should be at least three such sales listed in the appraisal.

The appraiser will note the sales price of the comps and make note of any measurable differences between those properties and yours. If, for example, you have a fireplace and the others do not, then the value of your property can be adjusted upward. A newly remodeled kitchen can also affect value. Of course, square footage of the property is a factor and so is the size of the lot. There are other adjustments that can be made and those adjustments will be listed in your appraisal.

One final note, you pay for the appraisal but itrsquo;s the lenderrsquo;s name that will appear on the front of the appraisal, not yours. However, you have a right to receive a copy of that appraisal within three business days of completion, whether or not the sale ultimately closes.


Full Story >




Copyright©2018 Realty Times®.All Rights Reserved
Search in English Search in Spanish Search in French Search in German Search in Italian Search in Portuguese Search in Russian
Fort Lauderdale Real Estate Listings Real Estate Newsletter Fort Lauderdale Properties My Saved Properties Gayle Borden Group Awards Gayle Borden Group Honors About Coldwell Banker Coldwell Banker Real Estate Gayle Borden Client Testimonials Gayle Borden Reviews Mortgage Tools Mortgage Calculator Fort Lauderdale Directory Fort Lauderdale Resources Local Numbers Interesting Links Fort Lauderdale Home Sales Gayle Borden Sales
Facebook Twitter Linkedin instagram
Updated: Tuesday, August 21, 2018

Boomers Still Drive Canadas Ho...
Canadas baby boom generation isnt ready to stop buying and selling real estate, new data sho...

Code Of Ethics: Its Not The Bo...
Some years ago, I participated in a meeting of NAR National Association of REALTORSreg; dire...

Copyright ©2018 - Realty Times®
All Rights Reserved.

U.S. Home Prices Jump as Supply Pinch Plays Out
Wall Street Journal: Sign the housing market has momentum heading into the spring selling...

Have you seen these street markings in Fort Lauderdale?
The City of Fort Lauderdale has recently begun using distinct green street markings in select...