One of the best and one of the last 100% loan programs in our area, the USDA Rural Housing program has shifted it's boundaries to reflect population changes in the Triad. Since the most recent census, those of us in the real estate industry knew that the maps would be redrawn, as areas, that historically have been considered rural, moved into suburban or urban categories. However, for the past several years, we have been out of the line of sight and enjoyed using this program in areas such as Kernersville, Reidsville and Eden. Per the most recent maps, some of those areas will no longer be eligible.
That leaves a definite void for buyers who have had the option to use this 100% product. It appears that one of the last traditional 100% loans will be the VA loan. However, you must be a veteran which again limits buyers' options. There are several credit unions that offer a 100% product but it can come in the form of an adjustable rate product OR have other stipulation that was not as attractive as the USDA loan.
This could be a sign that the overall housing market is continuing to improve or at least appears to be in Congress' eyes. As a Realtor who uses this product quite a bit in the Kernersville area, I definitely see it having an impact on buyer's options and sellers ability to sell to a larger market of buyers.
It appeared that the new maps would take effect October 1 and that buyers in the pipeline before that point would be grandfathered in. However, a recent development shows that December 1 is the new deadline meaning that IF you are considering a purchase in the Kernersville area AND would like to use and are eligible for the 100% USDA program, you need to act quickly. As always, if you do not have a relationship with a Realtor, please call or email me and I will be happy to assist you in finding suitable property and working you through the process with a reputable lender.
Brooke
Friday, September 20, 2013
Fall Fun!
It's that time of the year in the Triad where activities abound and this weekend is one of those opportunities! It looks as if the weather will hold for most of the outdoor activities, which includes the Winston-Salem Air Show. The air show is always an amazing display of aircraft demonstrations, hands-on activities, food and fun! The show does tend to get crowded and parking is sometimes hard to find, but usually if you drive to the end of Fairchild, there is free parking and it's a short walk to the main area.
If music is your thing and you're looking for something to do Saturday night, come out to Bucked Up Super Saloon and check out a CD release party for Johnny Mont. John Montgomery is one of our agents' sons and he has created quite the buzz with his own material and homegrown vocals. It appears he's the real deal and what a great opportunity to catch him local before he goes BIG TIME!!
If crafts and cars are more your speed, you can check out the Triad Ladies' Civitan Classic Car and Craft show, which is all day Saturday off of Bodenheimer Street in Kernersville. The event will take place in the parking lot of New Beginnings Church. Plenty here to do and see, and the perfect time to get an early jump on Christmas shopping!
Several children's consignment sales are going on this weekend and next in and around Winston and Kernersville. These always have some great finds but get there early or try to score "preview" access for the best bargains!
These events are just a sampling of what our community has to offer...share with us what you're up to this weekend or in coming weekends!!
Brooke
If music is your thing and you're looking for something to do Saturday night, come out to Bucked Up Super Saloon and check out a CD release party for Johnny Mont. John Montgomery is one of our agents' sons and he has created quite the buzz with his own material and homegrown vocals. It appears he's the real deal and what a great opportunity to catch him local before he goes BIG TIME!!
If crafts and cars are more your speed, you can check out the Triad Ladies' Civitan Classic Car and Craft show, which is all day Saturday off of Bodenheimer Street in Kernersville. The event will take place in the parking lot of New Beginnings Church. Plenty here to do and see, and the perfect time to get an early jump on Christmas shopping!
Several children's consignment sales are going on this weekend and next in and around Winston and Kernersville. These always have some great finds but get there early or try to score "preview" access for the best bargains!
These events are just a sampling of what our community has to offer...share with us what you're up to this weekend or in coming weekends!!
Brooke
Monday, August 26, 2013
What's Good for the Goose...
Recently a buyer of mine made and had an offer accepted on a HomePath property. For those of you who might not be familiar with HomePath, it is the entity that manages FannieMae and other government-backed, foreclosed properties. To bring you to speed on how this normally works, the property is usually listed with a traditional real estate company and agent. The agents "should" be organized and structured to handle the volume of homes/offers and nuances that come with these properties. There is quite a bit of addenda, online bidding, deadlines, pre-approvals, proof of funds letters, etc. that have to be executed in a tight time frame in order to even have your offer considered. All of these needed items requires agents who are organized and efficient, in order to meet the strict deadlines imposed on bidding and closing these properties. Under normal circumstances, it is usually the buyers' agent that has to hustle to gather up required documentation, overnight and timestamp documents, inspect and close on the government's timeline. Not this time and apparently not now.
My client had his offer accepted online through the HomePath website on a Thursday. We were told that we would immediately have the needed documentation to complete and that it would need to be turned in by 5:00 the same day. This was all via automatic email message. Based on the first offer submitted, my client already had a proof of funds letter that reflected his original offer, an earnest money check that reflected his original offer amount (10% of purchase price) and all signed documents and contracts required. Needless to say, the revised documentation promised never arrived. My assistant and I called and emailed the listing company and finally, at 3:30 on Friday the addenda arrived via email and a request for additional earnest money made out in certified funds to the closing attorney (we had yet to be told if they would accept our attorney of choice) and they had a request for an updated proof of funds letter. We were told via auto-email that if these items weren't received by 6:00 on Sunday our contract would be terminated. My client works (that's why he can buy a house) and could not sign paperwork until Saturday. By the time he got off on Friday his bank was closed so he could not get a new check nor could he get his bank letter verifying funds on hand. Per the email it also said our five day window for inspections had started with the email acceptance. Now mind you, at this point we are going on an automated email and have no seller-signed contract.
I immediately call and email the listing company and let them know that the docs will be in their email by 6:00 on Sunday but the check and letter will be there first thing Monday morning. I receive NO response. Not a confirmation as requested, nothing. So we proceed. I had previously set up inspections as if our bid was accepted, so we inspected on the following Wednesday--a full 5 days after our offer was accepted. Guess what? Still NO seller-signed contract. Part of the stipulation of our offer being accepted was that we close within 10 days. Well, half-way there and still NO seller-signed contract. I or my assistant have emailed and called 3-10 times a day and have gotten no response from the listing agency, other than they are trying to get a signed contract and have not heard from HomePath either. I finally broke down and circumvented the listing agency thinking that they were dragging their feet, only to find out that it's our government. Shocking, I know!!
I left a message for HomePath first of the week and was told that I SHOULD get a call back in the next 72 hours. I did end up with a phone call two days later. The representative left a standard, vanilla message and I immediately called back. No name was given for me to request, no supervisor, no case number, nothing. So you can imagine when I called back, I experienced the same circle. I explained the situation, the demands that they had placed on my client as it related to deadlines, money and documentation and was told that a supervisor would call me back and that it would move up the chain. When I asked for a reference number or person's name, the woman on the other end, threw an attitude and demanded I leave a message in order for my call to be returned. I explained that closing was supposed to occur before their 72 hour window and she hung up. Thank God our tax dollars go towards customer service training...it's definitely paying off.
So here we still sit, two days before "closing" and still no contract, no phone calls and no response to our questions. I did finally get someone at the listing agency to answer my call and she said that she has 6 outstanding contracts that HomePath has not sent back signed. Her HomePath contact told her that they were in training and were behind. Really?! Wow! I should have known this would be a debacle when it took 3 days to even get an appointment with instructions on entry to the home--mind you, it's a vacant, foreclosed home.
How in the world can we be expected to meet government guidelines and put our clients out there to risk their monies, time and energy when our own government can't keep up with it's business at hand. I could go on and on and I am sure this is not the only department nor the only issues and I can assure you that my list of frustrations with this process goes on and goes deeper. Where do we go from here? I'm tired of being the goose...
Brooke
My client had his offer accepted online through the HomePath website on a Thursday. We were told that we would immediately have the needed documentation to complete and that it would need to be turned in by 5:00 the same day. This was all via automatic email message. Based on the first offer submitted, my client already had a proof of funds letter that reflected his original offer, an earnest money check that reflected his original offer amount (10% of purchase price) and all signed documents and contracts required. Needless to say, the revised documentation promised never arrived. My assistant and I called and emailed the listing company and finally, at 3:30 on Friday the addenda arrived via email and a request for additional earnest money made out in certified funds to the closing attorney (we had yet to be told if they would accept our attorney of choice) and they had a request for an updated proof of funds letter. We were told via auto-email that if these items weren't received by 6:00 on Sunday our contract would be terminated. My client works (that's why he can buy a house) and could not sign paperwork until Saturday. By the time he got off on Friday his bank was closed so he could not get a new check nor could he get his bank letter verifying funds on hand. Per the email it also said our five day window for inspections had started with the email acceptance. Now mind you, at this point we are going on an automated email and have no seller-signed contract.
I immediately call and email the listing company and let them know that the docs will be in their email by 6:00 on Sunday but the check and letter will be there first thing Monday morning. I receive NO response. Not a confirmation as requested, nothing. So we proceed. I had previously set up inspections as if our bid was accepted, so we inspected on the following Wednesday--a full 5 days after our offer was accepted. Guess what? Still NO seller-signed contract. Part of the stipulation of our offer being accepted was that we close within 10 days. Well, half-way there and still NO seller-signed contract. I or my assistant have emailed and called 3-10 times a day and have gotten no response from the listing agency, other than they are trying to get a signed contract and have not heard from HomePath either. I finally broke down and circumvented the listing agency thinking that they were dragging their feet, only to find out that it's our government. Shocking, I know!!
I left a message for HomePath first of the week and was told that I SHOULD get a call back in the next 72 hours. I did end up with a phone call two days later. The representative left a standard, vanilla message and I immediately called back. No name was given for me to request, no supervisor, no case number, nothing. So you can imagine when I called back, I experienced the same circle. I explained the situation, the demands that they had placed on my client as it related to deadlines, money and documentation and was told that a supervisor would call me back and that it would move up the chain. When I asked for a reference number or person's name, the woman on the other end, threw an attitude and demanded I leave a message in order for my call to be returned. I explained that closing was supposed to occur before their 72 hour window and she hung up. Thank God our tax dollars go towards customer service training...it's definitely paying off.
So here we still sit, two days before "closing" and still no contract, no phone calls and no response to our questions. I did finally get someone at the listing agency to answer my call and she said that she has 6 outstanding contracts that HomePath has not sent back signed. Her HomePath contact told her that they were in training and were behind. Really?! Wow! I should have known this would be a debacle when it took 3 days to even get an appointment with instructions on entry to the home--mind you, it's a vacant, foreclosed home.
How in the world can we be expected to meet government guidelines and put our clients out there to risk their monies, time and energy when our own government can't keep up with it's business at hand. I could go on and on and I am sure this is not the only department nor the only issues and I can assure you that my list of frustrations with this process goes on and goes deeper. Where do we go from here? I'm tired of being the goose...
Brooke
Friday, August 23, 2013
Weighing In...
Jake, Maddie and I recently traveled to Florida for our summer vacation and decided that rather than drive, we would enjoy the luxury of flying. I fly somewhat regularly but usually it's just me, not the entire family. We have been in dire need of new luggage for quite sometime and after our trip to Montana, Jake vowed that never again would we take that set of luggage with us anywhere.
I made a trip to Costco for some very reasonable and sturdy Samsonite luggage that consisted of the new, plastic-like material that gives the luggage a hard shell, as opposed to the cloth that we had previously owned and recently threw away. I thought I had really made a wise investment with my purchase of one large piece and a smaller, carry-on bag, both complete with wheels that rolled in all directions!! Saturday night prior to our Sunday afternoon departure, we began packing. Jake and I had planned on sharing the "big" bag and Maddie would have the smaller carry-on bag. We had paid for a checked bag and a carry on bag with our tickets. As we were packing, I started to vaguely recollect that Allegiant Air had recently implemented a 40lb baggage rule. You could go over but then you were subject to the "at-airport" fees that are upward of $50 regardless of being overweight one pound or twenty. This now "big" bag that was stuffed full, needed to be reduced to 40lbs or under. Once we culled it down to what appeared on the scale to be under 40, the clothing items remaining shifted willy-nilly in the bag--there was room for so much more!! Maddie's carry-on would not be weighed but then again, only so much would fit in it! I panicked! What were we going to do?! Jake hates to fly, and this kind of stuff drives him nuts!
In comes the Sunday morning Costco run to purchase yet another carry-on sized bag for my stuff while Jake's clothes swam comfortably around in the large bag that could have easily held another person's wardrobe but for the weight limit. Bag purchased, we switch everything out before leaving and proceed to the airport and subsequently to the counter to check the bags.
The line was out the door and at least 40 people deep. Jake comments on how glad he is that our bags are squared away so that we don't have to deal with the nonsense that others in front of us are going through. Our turn arrives and the first bag goes on the scale...the "big" bag--OH $H*+!--this bag is STILL 3 lbs. overweight. The second checked carry-on goes on the scale and its only 35 lbs. but stuffed so fat that the zipper is screaming for mercy. The gal behind the counter offers the suggestion to switch items from "big" bag to a smaller bag...great idea but no room in the smaller bag. Jake is now breathing loudly through his nose and color is creeping up his neck. We are THOSE people despite our efforts otherwise!! Bags are unzipped, clothes, toiletries removed...those items of course can't go in our carry-on where there is room, because they exceed the liquid ounce requirements! It's like doing Algebra homework for the first time, as we try to put together the right formula! Finally, the gal behind the counter "passes" our bags and puts them on the belt as we realize we have no identification on any of the bags! Now, Jake worries that our bags will be profiled due to our piss-poor attitude at the gate. I assure him that airport workers don't profile...the TSA assures us of that! We move on to the gate, wondering if our luggage will make it or split under the pressure. As for the big bag, we are certain that someone has plenty of room to climb inside and stow-away to Florida.
My questions are a) why can't airlines just charge per pound? It's obvious they don't care about how much you carry, regardless of what they say. No reason for someone who's three pounds over to be charged the same as someone 50 lbs. over as it appears is the current case. b) why can't your bags be an aggregate amount on direct flights? If you purchase and pay to have two bags checked, one could be 60 lbs. and the other 20 lbs...who cares what goes where if it really IS about safety? c) if weight is so important why aren't there "official" scales at strategic areas of the airport where you can weigh your bag without hundreds of eyes piercing your back as you hold up the checking-in process?
Safely landed and at home it's a little more humorous to reflect on the situation, but how unfortunate that it was the beginning memory of our summer vacation. If airlines want passengers to continue to fly and to travel, then common-sense requirements need to be established for everyone's benefit and safety. Maybe I'm just missing some of the tricks to traveling...I'm sure it's just a matter of time before people are going to be charged for how much they weigh...Thank goodness I started back at the gym last week, I've got a trip to Vegas in the near future! :)
Brooke
I made a trip to Costco for some very reasonable and sturdy Samsonite luggage that consisted of the new, plastic-like material that gives the luggage a hard shell, as opposed to the cloth that we had previously owned and recently threw away. I thought I had really made a wise investment with my purchase of one large piece and a smaller, carry-on bag, both complete with wheels that rolled in all directions!! Saturday night prior to our Sunday afternoon departure, we began packing. Jake and I had planned on sharing the "big" bag and Maddie would have the smaller carry-on bag. We had paid for a checked bag and a carry on bag with our tickets. As we were packing, I started to vaguely recollect that Allegiant Air had recently implemented a 40lb baggage rule. You could go over but then you were subject to the "at-airport" fees that are upward of $50 regardless of being overweight one pound or twenty. This now "big" bag that was stuffed full, needed to be reduced to 40lbs or under. Once we culled it down to what appeared on the scale to be under 40, the clothing items remaining shifted willy-nilly in the bag--there was room for so much more!! Maddie's carry-on would not be weighed but then again, only so much would fit in it! I panicked! What were we going to do?! Jake hates to fly, and this kind of stuff drives him nuts!
In comes the Sunday morning Costco run to purchase yet another carry-on sized bag for my stuff while Jake's clothes swam comfortably around in the large bag that could have easily held another person's wardrobe but for the weight limit. Bag purchased, we switch everything out before leaving and proceed to the airport and subsequently to the counter to check the bags.
The line was out the door and at least 40 people deep. Jake comments on how glad he is that our bags are squared away so that we don't have to deal with the nonsense that others in front of us are going through. Our turn arrives and the first bag goes on the scale...the "big" bag--OH $H*+!--this bag is STILL 3 lbs. overweight. The second checked carry-on goes on the scale and its only 35 lbs. but stuffed so fat that the zipper is screaming for mercy. The gal behind the counter offers the suggestion to switch items from "big" bag to a smaller bag...great idea but no room in the smaller bag. Jake is now breathing loudly through his nose and color is creeping up his neck. We are THOSE people despite our efforts otherwise!! Bags are unzipped, clothes, toiletries removed...those items of course can't go in our carry-on where there is room, because they exceed the liquid ounce requirements! It's like doing Algebra homework for the first time, as we try to put together the right formula! Finally, the gal behind the counter "passes" our bags and puts them on the belt as we realize we have no identification on any of the bags! Now, Jake worries that our bags will be profiled due to our piss-poor attitude at the gate. I assure him that airport workers don't profile...the TSA assures us of that! We move on to the gate, wondering if our luggage will make it or split under the pressure. As for the big bag, we are certain that someone has plenty of room to climb inside and stow-away to Florida.
My questions are a) why can't airlines just charge per pound? It's obvious they don't care about how much you carry, regardless of what they say. No reason for someone who's three pounds over to be charged the same as someone 50 lbs. over as it appears is the current case. b) why can't your bags be an aggregate amount on direct flights? If you purchase and pay to have two bags checked, one could be 60 lbs. and the other 20 lbs...who cares what goes where if it really IS about safety? c) if weight is so important why aren't there "official" scales at strategic areas of the airport where you can weigh your bag without hundreds of eyes piercing your back as you hold up the checking-in process?
Safely landed and at home it's a little more humorous to reflect on the situation, but how unfortunate that it was the beginning memory of our summer vacation. If airlines want passengers to continue to fly and to travel, then common-sense requirements need to be established for everyone's benefit and safety. Maybe I'm just missing some of the tricks to traveling...I'm sure it's just a matter of time before people are going to be charged for how much they weigh...Thank goodness I started back at the gym last week, I've got a trip to Vegas in the near future! :)
Brooke
Monday, June 17, 2013
When the Going Gets Tough...Hire an Expert!! Great Article...
Want to
Sell? Hire a Realtor
Home sellers are more than twice as likely to get their homes sold if they use a Realtor®, rather than trying to sell their home on their own, according to a new survey conducted by HomeGain of 400 home owners nationwide from July 31 to Aug. 10. Seventy-three percent of the home owners surveyed said they used a Realtor®.
Home sellers are more than twice as likely to get their homes sold if they use a Realtor®, rather than trying to sell their home on their own, according to a new survey conducted by HomeGain of 400 home owners nationwide from July 31 to Aug. 10. Seventy-three percent of the home owners surveyed said they used a Realtor®.
On the other hand, 21
percent of those surveyed said they tried to sell their home
themselves. The survey found that 66 percent of the home owners who used a
Realtor® were able to successfully sell their home compared to 30 percent of
for-sale-by-owners.
What’s more, the
survey found that 22 percent of the for-sale-by-owners eventually decided to
use a Realtor® to try to sell their home. More than half of those who did were
then able to sell their homes too, the survey found.
“The value of a
Realtor® in a real estate transaction is made strikingly apparent in our 2012
FSBO verses Realtor ® survey of home sellers,” says Louis Cammarosano, general
manager of HomeGain. “A qualified Realtor ® understands the dynamics of the
market and can better assist home sellers in the pricing and preparation of
their homes for sale.”
Source: HomeGain
Thursday, June 06, 2013
Not Created Equal...
Not all licensed real estate agents are created equal. And for good reason. Not all sellers and buyers are created equal nor do they have the same needs and expectations. I am saying this because over the past few weeks, as I have attended listing appointments, sellers in particular have been surprised that not all agents do the same things or have the same designations.
First, not all licensed agents are Realtors. Realtors are members of a trade association that take real estate ethics to the next level. All agents should abide by real estate law, but the Realtor association lays down an additional layer of ethics through their code of ethics and their adherence to the Golden Rule. In my humble opinion, using a Realtor, asking if your agent is one, and knowing the difference, is pretty important.
Not all companies use a showing service to set appointments. Make sure yours does. Nothing is more frustrating to a buyer and a buyers' agent than wanting to see your home and not being able to reach the listing agent or anyone at their firm. Hire an agent whose company subscribes to a showings service that is open 7 days a week and 364 days of the year. Lost showings are lost offers. Period.
Not all agents in the same firm use the same marketing tools. Ask when interviewing what your agent is going to do for you, that other agents both in their firm and outside their firm are not going to do. You want to choose an agent who invests in their brand and business. Agents who have "skin in the game" treat their business like a business and have incentive to sell your home.
Agents do NOT get paid a salary. We make money only when we sell a home. For the most part we are all self-employed, independent contractors who run a small business under the umbrella of a larger firm. Usually we pay the firm to work under that umbrella.
Not all agents are FULL-TIME. Your should be. You need someone who works on a daily basis and understands the full-time nature and access to availability that the real estate industry demands. Ask during your interview how much they are in the office and how many hours, on average, they work a week. If they stumble on that question, then they probably don't have a business-plan for their own business and might be challenged when it comes to a marketing plan for your home.
Not all commissions are the same. There is NO STANDARD fee. It's all negotiable. However, make sure you know what you are paying for because usually you get what you pay for. If your agent has a difficult time protecting their fee and income, how do you think they are going to fare on your behalf when an offer comes in and they are negotiating YOUR equity?
If you have specific questions on interviewing the right agent for you or if you would like to set up an interview please give us a call 336-817-3598 or shoot me an email. brooke.cashion@allentate.com
Brooke
First, not all licensed agents are Realtors. Realtors are members of a trade association that take real estate ethics to the next level. All agents should abide by real estate law, but the Realtor association lays down an additional layer of ethics through their code of ethics and their adherence to the Golden Rule. In my humble opinion, using a Realtor, asking if your agent is one, and knowing the difference, is pretty important.
Not all companies use a showing service to set appointments. Make sure yours does. Nothing is more frustrating to a buyer and a buyers' agent than wanting to see your home and not being able to reach the listing agent or anyone at their firm. Hire an agent whose company subscribes to a showings service that is open 7 days a week and 364 days of the year. Lost showings are lost offers. Period.
Not all agents in the same firm use the same marketing tools. Ask when interviewing what your agent is going to do for you, that other agents both in their firm and outside their firm are not going to do. You want to choose an agent who invests in their brand and business. Agents who have "skin in the game" treat their business like a business and have incentive to sell your home.
Agents do NOT get paid a salary. We make money only when we sell a home. For the most part we are all self-employed, independent contractors who run a small business under the umbrella of a larger firm. Usually we pay the firm to work under that umbrella.
Not all agents are FULL-TIME. Your should be. You need someone who works on a daily basis and understands the full-time nature and access to availability that the real estate industry demands. Ask during your interview how much they are in the office and how many hours, on average, they work a week. If they stumble on that question, then they probably don't have a business-plan for their own business and might be challenged when it comes to a marketing plan for your home.
Not all commissions are the same. There is NO STANDARD fee. It's all negotiable. However, make sure you know what you are paying for because usually you get what you pay for. If your agent has a difficult time protecting their fee and income, how do you think they are going to fare on your behalf when an offer comes in and they are negotiating YOUR equity?
If you have specific questions on interviewing the right agent for you or if you would like to set up an interview please give us a call 336-817-3598 or shoot me an email. brooke.cashion@allentate.com
Brooke
Hit the Road Jack...
If you're planning to hit the road this summer for a quick getaway or a lengthy family sabbatical, there are a few things you might want to plan on in order to care for your home while you're away. Though this list is certainly not 100% comprehensive, it does serve as a nice checklist for the highlights.
-Pets...make sure you arrange boarding ahead of time. Kennels are booked early and there's nothing like stressing over whether or not your pet is going to be well-loved while you're out of town. Shots and records need to be current and printed prior to arrival in the event your pet has not boarded a particular kennel. If pets are staying home or staying with family/friends, make sure you leave specific instructions on care along with ample food and treats. It's usually a good idea to have a visitation or two prior to your trip to introduce both parties.
-Mail...Have a trusted neighbor, friend or family to check your mail every other day or request your local post office to hold your mail until you return. This is a free service not often used.
-Plants...You've worked too hard this Spring on your flowers to let them burn in the hot Summer sun. Pay a neighborhood kid or find a service that waters and/or weeds flower beds and gardens.
-Thermostat...Set your thermostat at a higher temperature to prevent unnecessary running while you aren't there. However, avoid the temptation to turn completely off as it will take longer and require the system to run harder when you return to get things back to a normal comfort level.
-Refrigerator...It's a great time to throw items away that might expire while you're away. Nothing worse than coming home to molded, smelly food in the fridge.
-Laundry...Have the majority of your laundry completed prior to leaving because when you come home, you know there will be LOTS to do. No need to double the burden. If you don't have the time look into laundromats where you can drop off laundry for wash n' fold that's paid for by the pound.
-Yard...If you are going to be away for longer than a week, find a yard maintenance person who can trim the grass. Nothing says, "I'm not home" like an unkempt yard. No reason to invite thieves into your home.
-Drive By...Some local police departments will actually drive-by your home while you are away while on their regular beat. Ask your local police department if this is a service they offer.
-Security System...If you have a security system TURN IT ON!! If you don't, give me a call and I can put you in touch with some companies that monitor and install very reasonably. The added comfort of knowing your home is monitored while you're away is worth every penny. Some even offer video activation so that you can check in on pets and the house. Not to mention, most insurance companies usually give you a discount if you have a system.
Happy Trails to You!!
Brooke
-Pets...make sure you arrange boarding ahead of time. Kennels are booked early and there's nothing like stressing over whether or not your pet is going to be well-loved while you're out of town. Shots and records need to be current and printed prior to arrival in the event your pet has not boarded a particular kennel. If pets are staying home or staying with family/friends, make sure you leave specific instructions on care along with ample food and treats. It's usually a good idea to have a visitation or two prior to your trip to introduce both parties.
-Mail...Have a trusted neighbor, friend or family to check your mail every other day or request your local post office to hold your mail until you return. This is a free service not often used.
-Plants...You've worked too hard this Spring on your flowers to let them burn in the hot Summer sun. Pay a neighborhood kid or find a service that waters and/or weeds flower beds and gardens.
-Thermostat...Set your thermostat at a higher temperature to prevent unnecessary running while you aren't there. However, avoid the temptation to turn completely off as it will take longer and require the system to run harder when you return to get things back to a normal comfort level.
-Refrigerator...It's a great time to throw items away that might expire while you're away. Nothing worse than coming home to molded, smelly food in the fridge.
-Laundry...Have the majority of your laundry completed prior to leaving because when you come home, you know there will be LOTS to do. No need to double the burden. If you don't have the time look into laundromats where you can drop off laundry for wash n' fold that's paid for by the pound.
-Yard...If you are going to be away for longer than a week, find a yard maintenance person who can trim the grass. Nothing says, "I'm not home" like an unkempt yard. No reason to invite thieves into your home.
-Drive By...Some local police departments will actually drive-by your home while you are away while on their regular beat. Ask your local police department if this is a service they offer.
-Security System...If you have a security system TURN IT ON!! If you don't, give me a call and I can put you in touch with some companies that monitor and install very reasonably. The added comfort of knowing your home is monitored while you're away is worth every penny. Some even offer video activation so that you can check in on pets and the house. Not to mention, most insurance companies usually give you a discount if you have a system.
Happy Trails to You!!
Brooke
Wednesday, April 24, 2013
Inventory Low...Is It Time to Go?
Most recently, I have been out with several buyers who are unable to find housing that meets their needs. Rewind to 18+ months ago and we had inventory, both good and bad, coming out of our ears. Currently, we are running around an 8-10 month supply, (a healthy market is considered 6 months) which still may seem high to those of you reading this. The kicker is that the inventory currently on the market is stale. Meaning most of what is out there either needs work to bring the home up to snuff or the price needs to be significantly reduced to meet the buyers' demands and expectations.
We have not only been experiencing multiple offers on properties that are properly priced and in excellent condition but we are seeing favorable offers within days of homes coming on the market. This is not the result of "under pricing" as some may think, but simply the fact that buyers have a specific location or neighborhood in mind and when a home comes on the market that meets their needs, they jump.
Moral of the story. If you are thinking of selling and your home is in great condition and your are realistic in pricing, based on recent sales and current competition, please consider putting your home on the market. If you are not willing to "shine that penny" and price appropriately, then it might be that you wait several more years so that the market meets your condition.
If you have been considering a move, couple the above with the fact that rates are still hovering under 4% on conventional products and closer to 3.5% for government-backed products and you can be where you want to be and take advantage of current market conditions and rates, which over time may negate the expense of preparing your home adequately for the market.
If you are considering a move within 2013 and want to talk about your options and current market conditions in your area, feel free to give me a call/text or email me. As always, there's no obligation or charge to chat! I look forward to hearing from you and remember I always appreciate the referrals of your friends and family!!
Brooke
We have not only been experiencing multiple offers on properties that are properly priced and in excellent condition but we are seeing favorable offers within days of homes coming on the market. This is not the result of "under pricing" as some may think, but simply the fact that buyers have a specific location or neighborhood in mind and when a home comes on the market that meets their needs, they jump.
Moral of the story. If you are thinking of selling and your home is in great condition and your are realistic in pricing, based on recent sales and current competition, please consider putting your home on the market. If you are not willing to "shine that penny" and price appropriately, then it might be that you wait several more years so that the market meets your condition.
If you have been considering a move, couple the above with the fact that rates are still hovering under 4% on conventional products and closer to 3.5% for government-backed products and you can be where you want to be and take advantage of current market conditions and rates, which over time may negate the expense of preparing your home adequately for the market.
If you are considering a move within 2013 and want to talk about your options and current market conditions in your area, feel free to give me a call/text or email me. As always, there's no obligation or charge to chat! I look forward to hearing from you and remember I always appreciate the referrals of your friends and family!!
Brooke
Don't Let Your Lack of Attendance Be Your Folly...
Every year, first weekend of May, the residents and civic organizations rally around the chamber to participate in Spring Folly, which takes place in downtown Kernersville. This annual event is a fundraiser for the civic organizations who champion their culinary specialties-everything from BBQ, to chicken wings to homemade lemonade. The biggest challenge is usually what to choose to dine on. Luckily, the event begins on Friday, May 3rd and continues throughout Saturday evening with limited events taking place Sunday afternoon. That leaves plenty of time to sample a little bit of everything! Live music on multiple stages suites the ears of all ages and genres and the craft vendors cover the gamut. You can usually find everything from crocheted toilet paper holders to caricatures and it's the perfect time to knock out some Christmas shopping!
Folly has flourished over the past decades heralding it success to the tireless efforts of chamber volunteers, the civic groups and the simple "showing up" of the residents of Kernersville and the entire state. Hovering around 25,000 for the weekend, this is THE premier event in Kernersville to catch up with everyone you haven't seen in a while. You can shake the hand of the mayor or talk to your kids' Sunday school teacher. Rest assured, they'll be there. You'll have plenty of time to chat while waiting for the kids to finish riding their favorite amusement rides. Usually, there's a petting zoo, craft station that focuses' on recycled material and of course, the Folly is open for tours.
If you have never visited Korner's Folly, this is a great time to do so. Having recently experienced renovations, Korner's Folly is a the crown jewel of the historic district. Boasting over seven levels, the first private little theatre in the world, frescoes and amazing and intricate furniture desiged by Jules Korner himself, you don't want to miss laying your eyes on this unique home!
So look at your calendar and make plans to attend Spring Folly next week and of course, make sure you find me and say HEY!! I'll be the one waiting for Maddie to ride the ferris wheel standing beside of the guy with the turkey leg in his hand!
Brooke
Folly has flourished over the past decades heralding it success to the tireless efforts of chamber volunteers, the civic groups and the simple "showing up" of the residents of Kernersville and the entire state. Hovering around 25,000 for the weekend, this is THE premier event in Kernersville to catch up with everyone you haven't seen in a while. You can shake the hand of the mayor or talk to your kids' Sunday school teacher. Rest assured, they'll be there. You'll have plenty of time to chat while waiting for the kids to finish riding their favorite amusement rides. Usually, there's a petting zoo, craft station that focuses' on recycled material and of course, the Folly is open for tours.
If you have never visited Korner's Folly, this is a great time to do so. Having recently experienced renovations, Korner's Folly is a the crown jewel of the historic district. Boasting over seven levels, the first private little theatre in the world, frescoes and amazing and intricate furniture desiged by Jules Korner himself, you don't want to miss laying your eyes on this unique home!
So look at your calendar and make plans to attend Spring Folly next week and of course, make sure you find me and say HEY!! I'll be the one waiting for Maddie to ride the ferris wheel standing beside of the guy with the turkey leg in his hand!
Brooke
Tuesday, March 19, 2013
Spring Photos by Maddie...
So Maddie, my 12 year old, got an iPhone for Christmas and as much as I don't care for the games, texting and Instagram, I do LOVE the new hobby and talent she has discovered! I think she has a knack and eye for photography so I wanted to share a small sample of the photos she took over the weekend while spending time with her cousins...I hope you enjoy them as much as I do!!
Let the Sky Fall...
I'm guessing that's what quite a few folks were thinking when they received their tax re-evaluations. For the most part, tax values across Forsyth county plummeted as a result of the mandatory county re-evaluation. The county cited foreclosures and the overall declining market as the driving force behind these new tax values.
Note, I keep saying TAX values. These are not the market values of homes. The market value is a simple equation. It is the value that a buyer is willing to give and a seller is willing to take in the present market. That takes into account inventory, condition, location and terms. Tax values on the other hand are based on formulas and algorithms and tax assessors typically have never entered the property being assessed to view condition or true space. Tax values are placed on the home for the sole purpose of collecting taxes on the real property.
Certainly you can challenge these values, but first you must assess WHY you want to challenge the value. Is it because you WANT to pay more taxes? Is it because you don't fully understand market value vs. tax value? Was their a mistake on the tax record that you feel compelled to correct? Understanding why you challenge is the first step in figuring out IF you challenge.
If you would like to discuss your specific situation or have further questions, please don't hesitate to give me a call or shoot me an email and I'll do my best to advise a course of action that is best suited to your specific situation.
Just think, another type of TAX deadline is just around the corner...Until then...
Brooke
Note, I keep saying TAX values. These are not the market values of homes. The market value is a simple equation. It is the value that a buyer is willing to give and a seller is willing to take in the present market. That takes into account inventory, condition, location and terms. Tax values on the other hand are based on formulas and algorithms and tax assessors typically have never entered the property being assessed to view condition or true space. Tax values are placed on the home for the sole purpose of collecting taxes on the real property.
Certainly you can challenge these values, but first you must assess WHY you want to challenge the value. Is it because you WANT to pay more taxes? Is it because you don't fully understand market value vs. tax value? Was their a mistake on the tax record that you feel compelled to correct? Understanding why you challenge is the first step in figuring out IF you challenge.
If you would like to discuss your specific situation or have further questions, please don't hesitate to give me a call or shoot me an email and I'll do my best to advise a course of action that is best suited to your specific situation.
Just think, another type of TAX deadline is just around the corner...Until then...
Brooke
Friday, March 01, 2013
Montana...Yes, it IS Big Sky Country...
Most of you who know me well, know that Jake and I just returned from Big Sky, Montana. We were given the opportunity by my sister's boyfriend, Chas. His family friend has a beautiful home and we were invited to join them over the Valentine's Day weekend for a vacation that consisted of skiing, snowmobiling and taking in the beauty of the west.
I have never been out west, other than Las Vegas, which I don't really consider to be the out west I think of. We arrived in Bozeman, MT on Wednesday and made our way to the house, which was nestled about a hour away between Bozeman and West Yellowstone. Not too much snow on the ground in the lowlands, but once we reached the house we were in for a real treat. I have never seen so much snow in my life!!
We skied three of the five days in Big Sky and experienced the changing weather that they are famous for. The temps never really edged out of the 20's but we woke every morning to single digits and fresh powder. There were cloudy, overcast days were it dusted snow throughout the day and then there were days that the locals called "bluebird" days where the sky was such a deep blue and clear that you felt as if you were just feet from outer space. On the one "bluebird" day, we took the gondola to the top of Lone Peak, which soars just over 11,000 feet above sea level to take in the views.
It was so surreal that I couldn't even get scared of how high up we really were. Looking out over the 360 degree panoramic view was like looking at a map out of National Geographic. I can now appreciate why it is featured in the book 1000 Places to See Before You Die.
One day out of the five, we snow-mobiled an entire day through Yellowstone. We visited Old Faithful, numerous geysers, wildlife and SNOW!! We traveled over 70 miles on the snow mobiles and learned so much about Yellowstone. We were actually in two states that day, Wyoming, where over 90% of Yellowstone is located--as compared to Montana, where less than 3% of the park is situated. It was approximately 15-20 degrees during the day but as we crossed the actual crust of the ancient volcano, which was a tundra-feeling area, the temps lowered and the winds increased, definitely bringing a serious chill!!
Around every bend there was an abundance of wildlife...we saw elk, a bald eagle, a couple of swan and tons of buffalo! At several points during the trip the buffalo were on the road with us and towards the end of the trip they wouldn't move from the road and we had to wait for them to pass. Our guide told us that since it was spring, the babies were a little feisty so be careful when we finally were able to pass because 1000 lbs of baby buffalo could create an issue if they landed in our laps!!
Jake and I both were a little underwhelmed with the notion of riding around Yellowstone to begin with, as we both thought it would basically be mountains and snow. However, we both agreed that it was amazing and almost like a different planet given the activity of the geysers and the 3000 reported earthquakes per year!! We didn't experience one, or weren't aware of it if we did, but to think that kind of seismic activity takes place all the time is incredible and hard to even fathom.
The photo above actually shows the crater left by a large earthquake that occurred in the late 1800's and was followed by another in the 1950's...these pools of 200+ degree water and mesmerizing colors are abundant in Yellowstone.
The waterfall is a part of the RimFire basin...the water in this river is warmed by the addition of water from the geysers. Further down the river, where the water is calm, it still does not freeze because of the warmed water and the amount of cyanide from the geysers, which actually contributes to the local herd of elk loosing their teeth prematurely. Needless to say, you wouldn't drink the water out here regardless of how beautiful it looks!
It was an amazing trip and great opportunity to visit a part of our country that I probably would not have otherwise. I am definitely a warm-weather kind of gal but can also deeply appreciate the beauty and diversity of all of God's amazing creation!
I have never been out west, other than Las Vegas, which I don't really consider to be the out west I think of. We arrived in Bozeman, MT on Wednesday and made our way to the house, which was nestled about a hour away between Bozeman and West Yellowstone. Not too much snow on the ground in the lowlands, but once we reached the house we were in for a real treat. I have never seen so much snow in my life!!
We skied three of the five days in Big Sky and experienced the changing weather that they are famous for. The temps never really edged out of the 20's but we woke every morning to single digits and fresh powder. There were cloudy, overcast days were it dusted snow throughout the day and then there were days that the locals called "bluebird" days where the sky was such a deep blue and clear that you felt as if you were just feet from outer space. On the one "bluebird" day, we took the gondola to the top of Lone Peak, which soars just over 11,000 feet above sea level to take in the views.
It was so surreal that I couldn't even get scared of how high up we really were. Looking out over the 360 degree panoramic view was like looking at a map out of National Geographic. I can now appreciate why it is featured in the book 1000 Places to See Before You Die.
It was an amazing trip and great opportunity to visit a part of our country that I probably would not have otherwise. I am definitely a warm-weather kind of gal but can also deeply appreciate the beauty and diversity of all of God's amazing creation!
Housing Figures Increase In January/February...
As I write this post, we are awaiting the implications of sequestration and are learning that Americans took home the least amount of pay in years during the month of January BUT housing numbers are looking up. What does it all mean and does anyone have a clue? I am going with the emphatic "NO", but I'll still take a moment to pontificate on housing and related subjects.
The Winston-Salem Journal reported today that housing numbers were up 25% in January. January typically being a slower month and not the usual beginning of the Spring market, what exactly does this indicate? I will say that personally, I had a very strong January but it was on the heels of a strong 2012 4th quarter. Rates are still low and buyers and sellers alike have a keen sense of awareness when it comes to their reasons to purchase real estate. Still a great long term investment and the fact that everyone needs a roof over their head are but two of the compelling reasons to purchase a home. Currently, we can deduct mortgage interest, but that may change if the President's wishes are full-filled and if our local NC legislature massages the tax code we might see additional fees and taxes on real estate and the actual transaction, making it less affordable for buyers and sellers to transact real estate.
I personally believe that our local market has somewhat of a "bubble within a bubble" right now due to the visitation of an investment firm out of Malibu, CA who has entered our market after paying earlier visits to Raleigh and Charlotte. This firm, American Homes for Rent, has been purchasing homes in newer subdivisions that are located within good school districts and are at or below market value. They are coming in with strong, cash offers, doing inspections, but requesting few repairs and are not conducting appraisals. This has in turn, has allowed for sellers, previously held hostage by their home, to sell and purchase a new home that better suits their housing needs. This injection of activity has been a huge boon to our market. I am not certain how many homes in the Winston-Salem area have been purchased, but I have had a handful myself, as have other agents in our office. The News and Observer out of Raleigh, reported that American Homes for Rent, bought over 80 homes in the Raleigh area.
Upon researching the firm online, it appears that they do rent these homes nationwide and that this is part of an investment package that returns dividends to the investors of several funds. It has also been reported that the group is having a hard time finding enough homes to meet the return promised. That, I'm sure, is yet to be seen.
I have to speculate and wonder if this isn't the beginning of a low-income rental project that the government will put it's thumb in at some point, as it sounds just too good to be true. I also wonder how this will effect our market and values long-term, given the fact that these rental properties will pepper neighborhoods that have struggled with foreclosures and property values. Couple this with the recent tax re-evaluations and what you are left with are quite a few questions that remain unanswered. I think that it's too early to be giddy about our market and signs of recovery but I am cautiously optimistic that this injection and spike of activity has been a refreshing start to what has been a sluggish past couple of 1st quarters.
Brooke
The Winston-Salem Journal reported today that housing numbers were up 25% in January. January typically being a slower month and not the usual beginning of the Spring market, what exactly does this indicate? I will say that personally, I had a very strong January but it was on the heels of a strong 2012 4th quarter. Rates are still low and buyers and sellers alike have a keen sense of awareness when it comes to their reasons to purchase real estate. Still a great long term investment and the fact that everyone needs a roof over their head are but two of the compelling reasons to purchase a home. Currently, we can deduct mortgage interest, but that may change if the President's wishes are full-filled and if our local NC legislature massages the tax code we might see additional fees and taxes on real estate and the actual transaction, making it less affordable for buyers and sellers to transact real estate.
I personally believe that our local market has somewhat of a "bubble within a bubble" right now due to the visitation of an investment firm out of Malibu, CA who has entered our market after paying earlier visits to Raleigh and Charlotte. This firm, American Homes for Rent, has been purchasing homes in newer subdivisions that are located within good school districts and are at or below market value. They are coming in with strong, cash offers, doing inspections, but requesting few repairs and are not conducting appraisals. This has in turn, has allowed for sellers, previously held hostage by their home, to sell and purchase a new home that better suits their housing needs. This injection of activity has been a huge boon to our market. I am not certain how many homes in the Winston-Salem area have been purchased, but I have had a handful myself, as have other agents in our office. The News and Observer out of Raleigh, reported that American Homes for Rent, bought over 80 homes in the Raleigh area.
Upon researching the firm online, it appears that they do rent these homes nationwide and that this is part of an investment package that returns dividends to the investors of several funds. It has also been reported that the group is having a hard time finding enough homes to meet the return promised. That, I'm sure, is yet to be seen.
I have to speculate and wonder if this isn't the beginning of a low-income rental project that the government will put it's thumb in at some point, as it sounds just too good to be true. I also wonder how this will effect our market and values long-term, given the fact that these rental properties will pepper neighborhoods that have struggled with foreclosures and property values. Couple this with the recent tax re-evaluations and what you are left with are quite a few questions that remain unanswered. I think that it's too early to be giddy about our market and signs of recovery but I am cautiously optimistic that this injection and spike of activity has been a refreshing start to what has been a sluggish past couple of 1st quarters.
Brooke
Friday, January 18, 2013
It's the Good Stuff...
Rarely do we refer to our real estate inventory as "stuff" but the statement seems to be coming up more and more these days, that "the good stuff is selling". First, let's qualify "good stuff". This term means properties that are priced competitively and are compelling. Sellers that are realistic about the market, in spite of reports that indicate rising prices, more buyers, etc. Yes, all of those reports are true but are based on nationwide trends, not local markets and they are looking at year over year or month over month. You need to be aware of how these reports are spun. The term also includes sellers that know how to present their home in the best light possible. De-personalized, clean, well-maintained, appropriately landscaped, flattering lighting/decor and staged to sell are no longer suggestions or options, they are must-dos!
We have a glut of inventory but a shortage of good inventory. I have been out for the past three days looking for a well priced home that is in good shape and meets the buyers' criteria. Out of hundreds found on the Internet, 20-30 actually toured in person; these buyers only found three that they would even consider! That is unbelievable! Two of three have multiple offers going into the weekend, thus further proving the limited supply of quality inventory.
If you are a seller considering putting your home on the market give me a call or shoot me an email to discuss what it is that can make your home competitive and compelling so that you can sell your home in 2013.
If you are a buyer looking for a home on your own and are having a difficult time navigating the conflicting and confusing information, call me or email me, and let's chat about a plan that can make sense of it all and can further guide you through the process of owning a home that fits your needs, preferences and pocketbook.
Happy House Hunting! Talk to you soon!
Brooke
We have a glut of inventory but a shortage of good inventory. I have been out for the past three days looking for a well priced home that is in good shape and meets the buyers' criteria. Out of hundreds found on the Internet, 20-30 actually toured in person; these buyers only found three that they would even consider! That is unbelievable! Two of three have multiple offers going into the weekend, thus further proving the limited supply of quality inventory.
If you are a seller considering putting your home on the market give me a call or shoot me an email to discuss what it is that can make your home competitive and compelling so that you can sell your home in 2013.
If you are a buyer looking for a home on your own and are having a difficult time navigating the conflicting and confusing information, call me or email me, and let's chat about a plan that can make sense of it all and can further guide you through the process of owning a home that fits your needs, preferences and pocketbook.
Happy House Hunting! Talk to you soon!
Brooke
Snow=Slow
Any of you that have lived in the South for any amount of time, know that snow or the mere mention of the possibility of snow can shut down commerce and schools quicker than a Baptist disappears at the beer aisle. (Simmer down Baptist friends, there's jokes about Methodists too) We just don't see a whole lot of snow here and when we do, we stop to enjoy it. We also have those Yankees fooled. Sure we tell them we can't drive in it, that we must stay home with the kids because they're out of school and we raid the grocery stores under the guise of needing bread and milk, but that, my friends is a hoax.
First the driving. You're talking about a culture that prides itself on racin', muddin', pullin', draggin', plowin', tillin' and raisin' pure heck with just about anything that has a engine. Yea, we could drive it, IF we wanted to. But we don't.
It's tough to find a sitter for those kids when all of our friends and family are in on the secret. When school's out, IF you can pull it off, you're out. Yes, we could take them to the Y or our momma's house. But we like the snow too! We like to take a day to see our youngins bundle up with bread bags on their feet fitted with celery rubber bands (I've lost some of you at this point), coming in from the *wet* cold beggin' for instant hot chocolate and fried bologna sandwiches. We like to make a real wood fire during the day, catch up on our soaps and not take a shower until late afternoon. We know this snow phenomenon doesn't happen often and our kids are only young once.
Everyone needs milk to make snow cream. Period. End of story. Bread? See above. The run to the grocery is really for luxury items, such as beer, the ingredients for chili, instant hot chocolate, cookie dough, sausage for breakfast and all of those other grocery items that we only allow ourselves to splurge on when the weather's poor. Silly Yankee, we know we aren't going to really be snowed in beyond being able to feed ourselves. We put up canned goods all summer, froze veggies for stews and cassaroles and could still drive if an emergency warranted us to do so (see above). We just need an excuse to break bad on the calorie count!
Well, now, you're in on our little secret. We hope that you too will slow down and "snow down" with us. Enjoy God's great gift of peace and his reminder that sometimes we just need to take a small break. After all, you are now living in God's country...Welcome to North Carolina!
First the driving. You're talking about a culture that prides itself on racin', muddin', pullin', draggin', plowin', tillin' and raisin' pure heck with just about anything that has a engine. Yea, we could drive it, IF we wanted to. But we don't.
It's tough to find a sitter for those kids when all of our friends and family are in on the secret. When school's out, IF you can pull it off, you're out. Yes, we could take them to the Y or our momma's house. But we like the snow too! We like to take a day to see our youngins bundle up with bread bags on their feet fitted with celery rubber bands (I've lost some of you at this point), coming in from the *wet* cold beggin' for instant hot chocolate and fried bologna sandwiches. We like to make a real wood fire during the day, catch up on our soaps and not take a shower until late afternoon. We know this snow phenomenon doesn't happen often and our kids are only young once.
Everyone needs milk to make snow cream. Period. End of story. Bread? See above. The run to the grocery is really for luxury items, such as beer, the ingredients for chili, instant hot chocolate, cookie dough, sausage for breakfast and all of those other grocery items that we only allow ourselves to splurge on when the weather's poor. Silly Yankee, we know we aren't going to really be snowed in beyond being able to feed ourselves. We put up canned goods all summer, froze veggies for stews and cassaroles and could still drive if an emergency warranted us to do so (see above). We just need an excuse to break bad on the calorie count!
Well, now, you're in on our little secret. We hope that you too will slow down and "snow down" with us. Enjoy God's great gift of peace and his reminder that sometimes we just need to take a small break. After all, you are now living in God's country...Welcome to North Carolina!
Tuesday, December 11, 2012
Got a Blessing? Give a Blessing...
Recently I have both experienced blessings from others. Those random acts of kindness, given by complete strangers, just because. I ordered a meal in the drive-thru at Chick-fil-A last week and as I hastily got off of my phone, the attendant handed me a manila business card from Triad Baptist Church that indicated that they had paid for my meal as a Christmas blessing. I thought "wow!", what a great way to brighten someones day. Just earlier that morning, I had purchased enough coffees at my favorite drive-thru, Blend and Brew in Kernersville, and received a "free" coffee. Upon exiting, I saw a man sitting on their picnic table under an umbrella. He was nicely dressed but had mud on his knees and it was raining, so I asked him if I could give him my free coffee. He thanked me and kindly declined. Needless to say, I still received a blessing to see him smile.
On Sunday, we were headed back from soccer and had the opportunity to give a beggar on a corner a "power bar" as a snack. The comment was made that he probably didn't want the food, he probably wanted money. I immediately recalled what one of my disciple class members had said the previous week. They indicated that it is only your responsibility to GIVE the blessing, what the person does with it after that is up to them. I have thought often of that statement this week and realized that too often we look for immediate gratification or an outpouring of thanks from the receiver. Who if you think about it, never ASKED for what we thought was the blessing to begin with. We look for award and accolade to legitimize our perceived sacrifice, when in fact, we should expect nothing, except the knowledge that God will use that blessing in some way, shape or fashion that may never be revealed to our eyes here on Earth.
How difficult is it as a human to not want acknowledgment of our good deeds when this is what we have been raised on? It does feel good to be recognized, believe me, I know; but as I mature I realize that it feels good just to be able to have the blessings from God to be able to bless someone else. That in itself, is recognition enough...most of the time! I still love to see my name in lights...I'll have to work on that! :)
Brooke
On Sunday, we were headed back from soccer and had the opportunity to give a beggar on a corner a "power bar" as a snack. The comment was made that he probably didn't want the food, he probably wanted money. I immediately recalled what one of my disciple class members had said the previous week. They indicated that it is only your responsibility to GIVE the blessing, what the person does with it after that is up to them. I have thought often of that statement this week and realized that too often we look for immediate gratification or an outpouring of thanks from the receiver. Who if you think about it, never ASKED for what we thought was the blessing to begin with. We look for award and accolade to legitimize our perceived sacrifice, when in fact, we should expect nothing, except the knowledge that God will use that blessing in some way, shape or fashion that may never be revealed to our eyes here on Earth.
How difficult is it as a human to not want acknowledgment of our good deeds when this is what we have been raised on? It does feel good to be recognized, believe me, I know; but as I mature I realize that it feels good just to be able to have the blessings from God to be able to bless someone else. That in itself, is recognition enough...most of the time! I still love to see my name in lights...I'll have to work on that! :)
Brooke
Monday, December 10, 2012
Domino Closings Aren't a Fun Game...
Though you might recall the game of dominoes being fun as a kid, this particular kind of dominoes can be the worst kind of stress for buyer/seller and agent alike. First, let's define the domino closing for all of you out there who have no clue what I am talking about. Rest assured, if you have ever been a part of one, or are currently a part of one, you'll never forget it. The domino closing is a reference that agents usually make when one home's successful closing depends on another home's successful closing. I have seen these go back 3 and 4 deep. Meaning that one house has sold, those buyers are buying a house, those buyers are buying a house and so on. Usually these occur on or near the same day due to the fact that no one wants to be homeless or loaded in a truck for longer than necessary.
As we all know, most homes are occupied, making the stress of getting out of your current home into you new home, difficult at best. Add to that the anxiety of making sure all of the buyers and sellers before your transaction close on time and without incident because your home is dependent on the buyer obtaining monies from their sell and you are usually in a position that requires the money from your successful transaction. Oh, and did I mention that you know NOTHING about the buyers and sellers before you or the caliber and qualifications of their agent. Thus the anxiety, which typically stems from the lack of control of the unknown and exacerbates as a result of the typical moving tasks; such as switching utilities, schools, arranging movers, cleaning, painting and the list goes on and on. This time of year, add to that, the holiday season, kids' exams and top it off with the mounds of paperwork that now litters the lending process. It's enough to set the most resilient and experienced buyer/seller over the proverbial edge and directly into the nearest bowl of eggnog.
The question becomes, how do we mitigate the risk associated with these transactions and how can we ever be certain that nothing goes wrong? Well, the truth of the matter is simply that we cannot assure that nothing will go wrong. As a matter of fact, brace yourself for the fact that most definitely something will not go as planned, and that you will have to redirect your course to reach your destination. If that expectation can be grasped, then we can move on to the things you can do to make your life easier when experiencing the domino closing.
Start by hiring an agent experienced in real estate and who is organized, so that no detail regarding your actual transaction goes unnoticed. Again, no one is perfect, but you do want an agent who uses a system of checklists and reminders to make sure that your transaction meets date deadlines for paperwork, inspections, walk-through, etc. A good agent can help you to use these times to coordinate painters, designers and contractors so that you can obtain estimates for work to be completed after closing. This same trusted agent will make sure that the closing times and paperwork are in order so that there are few hiccups on the actual closing day.
Once your home is under contract, go through and purge. This is something you can and need to do even if your transaction falls apart. Then begin to pack. First pack things you don't use on a daily basis, then move on to other more critical items, leaving the large items and "must-haves" to the movers; if you are lucky enough to have hired movers. Make sure you pack yourself and your family a "travel bag" of prescriptions, contacts, toiletries and a few days worth of clothes in case you do find yourself at a friend or family members home for a night or two in the event something does get delayed. Better to be prepared than to have to rummage through your neatly packed boxes digging for undergarments in the middle of the night.
Schedule everything you can for the day of closing. Housekeepers, carpet people, etc. can be pre-booked to ensure you get all that you can completed before the moving truck arrives. If your goods are being held overnight or for a day this gives you additional time to think about how you would like to place furniture and it allows you to clean out debris and garage areas so that you can use these areas as a staging area if additional paint or construction are being done after closing.
Schedule your utilities a week in advance if possible. That way you won't be surprised to arrive and find out that you have no water over the weekend or that the power is out when you show up to unload at 5am on a Sunday morning. Have your agent give you a list of utility providers and mark it off as you complete the task. Cancel your current home's utilities at the same time for added convenience.
Relax. So much is out of your control and out of the control of the individuals involved. There is nothing additional that you can do to make things go faster or slower. All things work in God's time, so at this point, once you have done all that you can, turn it over and enjoy the privilege that you have to be selling and purchasing a home in these challenging economic times. There are many buyers and sellers that would love to be a part of the opportunity you are experiencing. (Oh how you wish you could share with them some of this joy I speak of!) How you handle this and how your agent handles the transaction determines how those around you respond when things wrinkle, as they inevitably will. So keep your head on straight, make lots of lists and take time to rest...you are no good to anyone if you are tired, hungry or ill-prepared. God Bless your patience and may the dominoes fall right into place!
Brooke
As we all know, most homes are occupied, making the stress of getting out of your current home into you new home, difficult at best. Add to that the anxiety of making sure all of the buyers and sellers before your transaction close on time and without incident because your home is dependent on the buyer obtaining monies from their sell and you are usually in a position that requires the money from your successful transaction. Oh, and did I mention that you know NOTHING about the buyers and sellers before you or the caliber and qualifications of their agent. Thus the anxiety, which typically stems from the lack of control of the unknown and exacerbates as a result of the typical moving tasks; such as switching utilities, schools, arranging movers, cleaning, painting and the list goes on and on. This time of year, add to that, the holiday season, kids' exams and top it off with the mounds of paperwork that now litters the lending process. It's enough to set the most resilient and experienced buyer/seller over the proverbial edge and directly into the nearest bowl of eggnog.
The question becomes, how do we mitigate the risk associated with these transactions and how can we ever be certain that nothing goes wrong? Well, the truth of the matter is simply that we cannot assure that nothing will go wrong. As a matter of fact, brace yourself for the fact that most definitely something will not go as planned, and that you will have to redirect your course to reach your destination. If that expectation can be grasped, then we can move on to the things you can do to make your life easier when experiencing the domino closing.
Start by hiring an agent experienced in real estate and who is organized, so that no detail regarding your actual transaction goes unnoticed. Again, no one is perfect, but you do want an agent who uses a system of checklists and reminders to make sure that your transaction meets date deadlines for paperwork, inspections, walk-through, etc. A good agent can help you to use these times to coordinate painters, designers and contractors so that you can obtain estimates for work to be completed after closing. This same trusted agent will make sure that the closing times and paperwork are in order so that there are few hiccups on the actual closing day.
Once your home is under contract, go through and purge. This is something you can and need to do even if your transaction falls apart. Then begin to pack. First pack things you don't use on a daily basis, then move on to other more critical items, leaving the large items and "must-haves" to the movers; if you are lucky enough to have hired movers. Make sure you pack yourself and your family a "travel bag" of prescriptions, contacts, toiletries and a few days worth of clothes in case you do find yourself at a friend or family members home for a night or two in the event something does get delayed. Better to be prepared than to have to rummage through your neatly packed boxes digging for undergarments in the middle of the night.
Schedule everything you can for the day of closing. Housekeepers, carpet people, etc. can be pre-booked to ensure you get all that you can completed before the moving truck arrives. If your goods are being held overnight or for a day this gives you additional time to think about how you would like to place furniture and it allows you to clean out debris and garage areas so that you can use these areas as a staging area if additional paint or construction are being done after closing.
Schedule your utilities a week in advance if possible. That way you won't be surprised to arrive and find out that you have no water over the weekend or that the power is out when you show up to unload at 5am on a Sunday morning. Have your agent give you a list of utility providers and mark it off as you complete the task. Cancel your current home's utilities at the same time for added convenience.
Relax. So much is out of your control and out of the control of the individuals involved. There is nothing additional that you can do to make things go faster or slower. All things work in God's time, so at this point, once you have done all that you can, turn it over and enjoy the privilege that you have to be selling and purchasing a home in these challenging economic times. There are many buyers and sellers that would love to be a part of the opportunity you are experiencing. (Oh how you wish you could share with them some of this joy I speak of!) How you handle this and how your agent handles the transaction determines how those around you respond when things wrinkle, as they inevitably will. So keep your head on straight, make lots of lists and take time to rest...you are no good to anyone if you are tired, hungry or ill-prepared. God Bless your patience and may the dominoes fall right into place!
Brooke
Monday, December 03, 2012
Like Deducting Your Mortgage Interest? Read This NOW!
Never in recent American history has the housing industry struggled so much to gain solid footing. In addition to home purchases providing the obvious place to rest your head and gather your family, home ownership provides many not-so-obvious benefits. Owning a home creates a sense of belonging in your community. You know that but for unforeseen circumstances you plan on being in a community for a while because you've invested your time and money to make it that purchase. Owning a home also creates stability for your family. There's something to be said for being at the mercy of a landlord who may or may not decide to raise rents, sell the home or not take care of it as you would like. For hundreds of years, owning a home has also been the largest investment, we make in our lives. This purchase and the ownership of a home drives the economy in a way that renting cannot. Home ownership and the ability to own a home is the backbone of the American economy. That is why in these shaky economic times, where we are working to obtain solid footing and stable market conditions, the feds should NOT, under any circumstances take away or scale-back the mortgage interest deduction. If you feel the same way, please click on, take action on and share the link below. If you don't feel the same way, I'd be interested in hearing why.
I WANT TO KEEP MY MORTGAGE INTEREST DEDUCTION!
Brooke
I WANT TO KEEP MY MORTGAGE INTEREST DEDUCTION!
Brooke
Monday, November 19, 2012
What does it take?
If any of you regularly follow my blog, then you know that last week, we talked about how the community of Kernersville was WINNING and WINNING BIG! After the Chamber awards banquet and the "medalists" that were honored during this event, it was easy to see why Kernersville has made the best of it's assets and continues to succeed. All of you know that success is not possible without leadership. It was intentional that I waited to write about the BIG WINNER of the night, the award for Citizen of the Year. This award is the highest honor that the Chamber bestows on a citizen of the town of Kernersville. In years past in ranges from business leaders, education leaders, spiritual leaders and elected officials, but this year all categories were represented.
This year's Citizen of the Year, I happen to know very well. After serving with this individual four years on the Board of Aldermen, having children at the same school where she was PTA President and very active in the advocacy of the students and parents, and having children in the same sporting organizations; it was easy for me to see why Dana Caudill-Jones was awarded Citizen of the Year.
Dana and I originally met at Cash Elementary when our children entered school, but it was a quick, surface introduction. Shortly after that, I decided to run for Alderman and Dana and I were both elected and served together for the next four years. During that time we got to know each other very well. It's tough to spend hours on end in meetings and events and not learn a little or a lot about your fellow board members. Agree or disagree, I could see that Dana had a passion for her hometown that touched everything that she involved herself in. We could be deeply in a disagreement and both bring up stories about our grandmothers' lives in Kernersville, these ladies were major influences in our lives and we enjoyed sharing these histories. We constantly talked about similar Kernersville experiences that we had, those that enriched our lives and those of our families. Again, regardless as to what side of an issue we were on, there was no doubt that Kernersville's well-being was at the root of it. It's easy to see that Dana makes time for her family, especially her son. Even with a demanding schedule she is quick to carve out time for the important things in life like her church and her family.
As her mom, dad and son, stood in the "wings' the night of the banquet waiting for the big announcement, it was clear that when she saw her family in attendance that it would move her more than the award itself. And it did. You just can't call those kind of emotions up at whim.
To Dana: Thanks for all that you do for the community and for being an inspiration to other women who juggle being a mom, a wife, a daughter, a spiritual leader, a community leader, an educational leader and simply a leader. It can be done and you truly embody that spirit and the spirit of the award as Citizen of the Year. Congratulations!
Brooke
This year's Citizen of the Year, I happen to know very well. After serving with this individual four years on the Board of Aldermen, having children at the same school where she was PTA President and very active in the advocacy of the students and parents, and having children in the same sporting organizations; it was easy for me to see why Dana Caudill-Jones was awarded Citizen of the Year.
Dana and I originally met at Cash Elementary when our children entered school, but it was a quick, surface introduction. Shortly after that, I decided to run for Alderman and Dana and I were both elected and served together for the next four years. During that time we got to know each other very well. It's tough to spend hours on end in meetings and events and not learn a little or a lot about your fellow board members. Agree or disagree, I could see that Dana had a passion for her hometown that touched everything that she involved herself in. We could be deeply in a disagreement and both bring up stories about our grandmothers' lives in Kernersville, these ladies were major influences in our lives and we enjoyed sharing these histories. We constantly talked about similar Kernersville experiences that we had, those that enriched our lives and those of our families. Again, regardless as to what side of an issue we were on, there was no doubt that Kernersville's well-being was at the root of it. It's easy to see that Dana makes time for her family, especially her son. Even with a demanding schedule she is quick to carve out time for the important things in life like her church and her family.
As her mom, dad and son, stood in the "wings' the night of the banquet waiting for the big announcement, it was clear that when she saw her family in attendance that it would move her more than the award itself. And it did. You just can't call those kind of emotions up at whim.
To Dana: Thanks for all that you do for the community and for being an inspiration to other women who juggle being a mom, a wife, a daughter, a spiritual leader, a community leader, an educational leader and simply a leader. It can be done and you truly embody that spirit and the spirit of the award as Citizen of the Year. Congratulations!
Brooke
Wednesday, November 14, 2012
And the Winner Is...
Kernersville. Yep, I said it. Kernersville is the winner.
Last night, Jake and I attended the Annual Kernersville Chamber of Commerce Awards Banquet. I would suspect that over 200 business owners and community leaders attended. As I looked around the room, it was easy to see why I believe that during this tough economy Kernersville is the winner.
These folks are familiar. By that I mean, you see them around town, you see them around church, you see them around school and work. They make things happen. They aren't just elusive foundations hiding behind the names of the unknown dead, they are real people, who give real money and time to their hometown. Take for example, the LE Pope Foundation. Mr. Pope helped to really build Kernersville. By setting aside land acquisitions, understanding growth and development, Mr. Pope, for whom this foundation is named, helped to form Kernersville's industrial and commercial-base into what it is today. Through the company that Mr. Pope created and owned, projects such as Southpark Industrial Park, Deere-Hitachi, Kernersville Hospital, Sleep Inn, VA Medical Center and so many more revenue and job producing entities have been incubated and thrived. You can see in his employees, their continued commitment to Kernersville's betterment. As their president Jeff Hunter stated last night after receiving the Economic Development Award, "We are blessed." How true.
It only took glancing across my table to see another winner. Starting a relatively small $3000 program to assist educators with school supplies, Monica Young, grew the educational grant program at the chamber to it's current total level of $75,000!! This is a person that I SEE in church, whose children give back to our community, who gives of her talents in her career and her family and never shirks from "stepping up to the plate". You know where Monica stands and you know that you can count on her. Another big win for education as a result of her tireless efforts.
Another big factor that makes Kernersville a winner are folks like Jim and Henrietta Barrett. Their list of accolades read as prestigious as any of those receiving national-level volunteer honors. However, the Barretts are humble and don't seem to know the full impact their lives have had on others. Jim and Henrietta may have helped build the Shepherd Center and Crisis Control buildings and may have counseled scores of folks in the community dealing with crisis and grief, but for me, it's more personal. I'm sure that Jim doesn't even recall challenging me to take my first Disciple class at Main Street UMC, but he did. And I did take it. It by far, is one of the best things I have done for my spiritual growth. Had it not been for his words, I doubt I would be in Disciple II today. A jewel in Jim and Henrietta's crowns for sure!
A smiling face, a bit of assistance with one of my "dumb" questions, a fellow Kernersville Leadership class member. Well, that's Mary Kay Csanyi. Our past chamber chairman, Sharon Tucker, chose Mary Kay to receive the Chairman's Award, reflecting her ability to make Sharon's job easier this past year. Mary Kay embodies Kernersville and it could be said of her that she is Kernersville's ambassador, as she is usually the first face that greets you at the chamber. Her energy and effort are the glue that makes events such as the ever-popular Christmas Parade and Spring Folly a success. Her quiet work behind the scenes never goes unnoticed by those around her, but highlighting her with this award was a winning idea!
So, not only with these awards does Kernersville earn the title of WINNER. Where else do you have job growth, housing that has been relatively stable, a central Triad location, access to most main interstates and highways, excellent schools, enormous sports programs for kids such as lacrosse and soccer and citizens who are committed to making sure their town "makes it". Regardless of the political landscape, the season of year or the economic situation, the people of Kernersville both native and transplant, are drawn to the "true grit" nature and "get it done" mentality that allows this small town to continuosly be WINNING!
Brooke
Last night, Jake and I attended the Annual Kernersville Chamber of Commerce Awards Banquet. I would suspect that over 200 business owners and community leaders attended. As I looked around the room, it was easy to see why I believe that during this tough economy Kernersville is the winner.
These folks are familiar. By that I mean, you see them around town, you see them around church, you see them around school and work. They make things happen. They aren't just elusive foundations hiding behind the names of the unknown dead, they are real people, who give real money and time to their hometown. Take for example, the LE Pope Foundation. Mr. Pope helped to really build Kernersville. By setting aside land acquisitions, understanding growth and development, Mr. Pope, for whom this foundation is named, helped to form Kernersville's industrial and commercial-base into what it is today. Through the company that Mr. Pope created and owned, projects such as Southpark Industrial Park, Deere-Hitachi, Kernersville Hospital, Sleep Inn, VA Medical Center and so many more revenue and job producing entities have been incubated and thrived. You can see in his employees, their continued commitment to Kernersville's betterment. As their president Jeff Hunter stated last night after receiving the Economic Development Award, "We are blessed." How true.
It only took glancing across my table to see another winner. Starting a relatively small $3000 program to assist educators with school supplies, Monica Young, grew the educational grant program at the chamber to it's current total level of $75,000!! This is a person that I SEE in church, whose children give back to our community, who gives of her talents in her career and her family and never shirks from "stepping up to the plate". You know where Monica stands and you know that you can count on her. Another big win for education as a result of her tireless efforts.
Another big factor that makes Kernersville a winner are folks like Jim and Henrietta Barrett. Their list of accolades read as prestigious as any of those receiving national-level volunteer honors. However, the Barretts are humble and don't seem to know the full impact their lives have had on others. Jim and Henrietta may have helped build the Shepherd Center and Crisis Control buildings and may have counseled scores of folks in the community dealing with crisis and grief, but for me, it's more personal. I'm sure that Jim doesn't even recall challenging me to take my first Disciple class at Main Street UMC, but he did. And I did take it. It by far, is one of the best things I have done for my spiritual growth. Had it not been for his words, I doubt I would be in Disciple II today. A jewel in Jim and Henrietta's crowns for sure!
A smiling face, a bit of assistance with one of my "dumb" questions, a fellow Kernersville Leadership class member. Well, that's Mary Kay Csanyi. Our past chamber chairman, Sharon Tucker, chose Mary Kay to receive the Chairman's Award, reflecting her ability to make Sharon's job easier this past year. Mary Kay embodies Kernersville and it could be said of her that she is Kernersville's ambassador, as she is usually the first face that greets you at the chamber. Her energy and effort are the glue that makes events such as the ever-popular Christmas Parade and Spring Folly a success. Her quiet work behind the scenes never goes unnoticed by those around her, but highlighting her with this award was a winning idea!
So, not only with these awards does Kernersville earn the title of WINNER. Where else do you have job growth, housing that has been relatively stable, a central Triad location, access to most main interstates and highways, excellent schools, enormous sports programs for kids such as lacrosse and soccer and citizens who are committed to making sure their town "makes it". Regardless of the political landscape, the season of year or the economic situation, the people of Kernersville both native and transplant, are drawn to the "true grit" nature and "get it done" mentality that allows this small town to continuosly be WINNING!
Brooke
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