Here’s to A Lovely LOVE DAY at Home…

c9395154857303d65d6d8d79ebfa43a7Well, Valentine’s Day is here again and restaurants are so booked in South Florida this year, Waffle House has jumped on board to add an option for Love Day Dining…

If you’re like me, the idea of getting dressed up and spending a special date night with your loved one sounds amazing ~ the crowds and wait for a table…   Not so much!

So this year, I am going to skip the dialing for reservations step and get started on thinking of ways to make Valentine’s Day even more special – Right at HOME!

It’s going to be a beautiful day here in Parkland, with morning lows expected to be in the high 40’s, but by afternoon it should be crisp, clear and in the mid to upper 60’s.  So, HMMMMM…

What about a little al fresco dining?  How about setting up a romantic table for two on the 532c3ef6e444eb0633c6bbce61ac5f18patio?  It doesn’t have to be super fancy, although it can be if you like…  But I am thinking of creating a little Italian Cafe feel with a simple red table cloth and table decor to match…

An inexpensive patio table on your patio or balcony will do the trick.  Add a few candles, hurricane lamps or torches to add a romantic glow.  Flowers, a bowl of grapes…  You get the picture!

I am working on a simple yet delicious menu that we can make together, then we can watch a great movie, perhaps.  I will put my personal menu plan below for ideas.

The point is, wherever your living space is, it should be your haven and a place where you can greatly enjoy celebrating the different seasons of life.

We are all about Home being where your Heart is and so we will always help you find ways to make your home your own dream space.  And if you just need more space, or less, or need a ‘change of space’ for whatever reason – call us, of course!  We can help!

Nicola “Nicki” Riettie | Florida Luxury Real Estate Group | 954.708.6841 | nicola@flluxreg.com

Valentine’s Day Dinner Menu at Home

Screenshot 2015-02-12 13.10.23

P.S.  If you would like any of these recipes, just leave me a comment below…

FotorCreated

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Moving Day…

moving1Moving can be one of the most stressful things anyone can go through and many of us say at the end of each move – “That’s it!  This is the last time ever!!!”  Hmmmm… Famous last words.

Moving-cities-for-a-new-jobThe truth is, the average family in Florida will move every 10-12 years.  We move for many reasons, lifestyle change being primary.  Whether our family is growing and, as such, outgrowing our home, shrinking, with kids moving away to college or getting married, or we are simply upgrading – we have more than enough cause to move a few times in our lifetime.

Recently, I sat down with our favorite Relocation Specialist, Mary Ann Colton of Armstrong Relocation, to get her top insider tips for making the moving process easier.  Here are her top 12:

  • Donate or sell items you don’t plan to move
  • Remember to send change of address notifications
  • Packing yourself can save some $$
  • If you have children, include them in the planning
  • Discard items that will be dangerous to move, like flammables or fireworks
  • Pick up items you may have at cleaners, repair shop, etc., ahead of time…
  • Schedule your move as far out as possible to ensure capacity
  • Plan to take irreplaceable items with you personally
  • Empty your refrigerator and make sure it is defrosted and dry by moving day
  • Separate any items you do not want movers to pack/move
  • Tour your home with the driver to make sure all items are loaded
  • Use up existing food and supplies you have and try not to buy more till after the move

Our personal favorite tip for stress-free moving is HIRE A GOOD MOVING COMPANY – probably the most important thing you can do to enable you to have a streamlined move moving2and start the process of getting settled into your new space.  Get a referral from a friend or neighbor, try a reputable referral website like Angie’s List (but always check with the Better Business Bureau first) or do some solid research online.  An experienced moving company will definitely make moving day a lot easier.

maryanncolton
Mary Ann Colton Relocation Specialist

For more information on moving tips or if you would like to contact our Mover of Choice, Mary Ann Colton, to discuss or schedule a move, you can find her at Armstrong Relocation and Companies.  They are conveniently located in Pompano Beach, FL, making them the ideal mover for your Parkland, FL move.  They also offer commercial, national and global relocation services, so wherever you may be going, Mary Ann and her team at Armstrong Relocation are the best movers for you!!!   Call her at  (954) 956-0059 or email her at mcolton@goarmstrong.com.

Do I Really Need A Real Estate Agent?

hirearealtorWith so much information readily available online, clients sometimes ask me, “Why should we hire a real estate agent?” They wonder, and rightfully so, if they couldn’t buy or sell a home through the Internet or through regular marketing and advertising channels without representation, without a a real estate agent. Some do OK, many don’t. So if you’ve wondered the same thing, here are 10 reasons why you might want to consider hiring a professional real estate agent.

1. Education & Experience

You don’t need to know everything about buying and selling real estate if you hire a real a361347e6fde8830b5469cf0a8c09e9festate professional who does. Henry Ford once said that when you hire people who are smarter than you are, it proves you are smarter than they are. The trick is to find the right person. Why not hire a person with more education and experience than you? We’re all looking for more precious time in our lives, and hiring pros gives us that time.

2. Agents are Buffers

Agents take the spam out of your property showings and visits. If you’re a buyer of new homes, for example, your agent will whip out her sword and keep the builder’s agents at bay, preventing them from biting or nipping at your heels and will work to protect your interests. If you’re a seller, your agent will filter all those phone calls that lead to nowhere from lookie loos and try to induce serious buyers to immediately write an offer.

3. Neighborhood Knowledge

Neighborhood Expert [QuotePix.com]Agents either possess intimate knowledge or they know where to find the industry buzz about your neighborhood. They can identify comparable sales and hand these facts to you, in addition to pointing you in the direction where you can find more data on schools, crime or demographics. For example, you may know that a home down the street was on the market for $550,000, but an agent will know it had upgrades and sold at $485,000 after 65 days on the market and after twice falling out of escrow.

4. Price Guidance

Contrary to what some people believe, agents do not select prices for sellers or buyers. However, an agent will help to guide clients to make the right choices for themselves. If a listing is at 6%, for example, an agent has a 6% vested interest in the sale, but the client has a 94% interest. Selling agents will ask buyers to weigh all the data supplied to them and to choose a price. Then based on market supply, demand and the conditions, the agent will devise a negotiation strategy.

5. Market Conditions Information

Wesley-Chapel-Real-Estate-Market-ReportReal estate agents can disclose market conditions, which will govern your selling or buying process. Many factors determine how you will proceed. Data such as the average per square foot cost of similar homes, median and average sales prices, average days on market and ratios of list-to-sold prices, among other criteria, will have a huge bearing on what you ultimately decide to do.

6. Professional Networking

Real estate agents network with other professionals, many of whom provide services that you will need to buy or sell. Due to legal liability, many agents will hesitate to recommend a certain individual or company over another, but they do know which vendors have a reputation for efficiency, competency and competitive pricing. Agents can, however, give you a list of references with whom they have worked and provide background information to help you make a wise selection.

7. Negotiation Skills & Confidentiality

Top producing agents negotiate well because, unlike most buyers and sellers, they can remove themselves from the emotional aspects of the transaction and because they are skilled. It’s part of their job description. Good agents are not messengers, delivering buyer’s offers to sellers and vice versa. They are professionals who are trained to present their client’s case in the best light and agree to hold client information confidential from competing interests.

8. Handling Volumes of Paperwork

ar118849829680116Today’s Sales Contracts run 10 pages or more. That does not include the federal- and state-mandated disclosures nor disclosures dictated by local custom. Most real estate files average thicknesses from one to three inches of paper. One tiny mistake or omission could land you in court or cost you thousands.

9. Answer Questions After Closing

Even the smoothest transactions that close without complications can come back to haunt. For example, taxing authorities that collect property tax assessments, doc stamps or transfer tax can fall months behind and mix up invoices, but one call to your agent can straighten out the confusion. Many questions can pop up that were overlooked in the excitement of closing. Good agents stand by ready to assist. Worthy and honest agents don’t leave you in the dust to fend for yourself.

10. Develop Relationships for Future Business

The basis for an agent’s success and continued career in real estate is referrals. Few agents would survive if their livelihood was dependent on consistently drumming up new business. This emphasis gives agents strong incentives to make certain clients are happy and satisfied. It also means that an agent who stays in the business will be there for you when you need to hire an agent again. Many will periodically mail market updates to you to keep you informed and to stay in touch.

realestateagentA good realtor will take the guesswork out of the process – a great realtor will put together the pieces of the puzzle to make the entire transaction work for you and your family’s needs!

Top 5 Mistakes Home Sellers Can Make When Selling Their Home…

Home For Sale Sign in Front of Beautiful New Home

Selling your home is challenging at the best of times. It may be the largest sale you have ever made, you may have time constraints, you may have young children and busy lives, and so many other factors.

Though it may be stressful, there is no reason to make selling your home more difficult than it has to be.  But first, you need to know what to avoid.  Don’t make these common home selling mistakes when it comes time to place your home on the market for sale. Making any of these errors can be the real estate kiss of death for getting top dollar.

Overpricing The Home The Cost of Overpricing in a STABLE Market

This is a difficult hurdle for many home sellers to get over, especially if it is their first time selling a home. You love your home; you may have raised a family in your home and it is an emotional investment at this point. You may have also purchased your home at the height of the housing bubble and your home is no longer worth what you owe.   All of these situations can give you a feeling of certainty that your home is worth a lot – perhaps even a lot more than the comparable homes in your area.

Overpricing your home, however, could prevent potential buyers from even considering it, or it could cause your home to sit on the market for an extended period of time. The longer your home sits, the more it is perceived as overpriced – or perhaps as a home with something wrong with it. When you finally do drop your price to something more reasonable, buyers begin hitting you with low-ball offers in hopes that you are desperate. After having your home on the market for six months or more, they may be right.

Overpricing often leads to you accepting a price far below your original number, and sometimes even below similar homes. Putting your home up for a fair price, and perhaps even for a slightly lower price than others in your market, can do the opposite. It can drive up the eventual selling price through multiple bids from hungry buyers.

Aim for a fair price that reflects the current market. Typically you can get a good handle on this after your home has been on the market for three to four weeks with ample people looking at it and providing feedback. Listen to what the market is telling you!

Neglecting Their Homes Condition

neglect home

Homes are made up of many different components, all important to its overall look and performance. Buyers want to purchase homes that they can visualize themselves and their families living in, which means homes that are in good repair, where everything works and can be expected to work for the near future.  At least, this is true of buyers looking to pay close to the asking price of your home. This is why home sale preparation is essential to getting top dollar for your home.

Bargain hunters may want to find a home with obvious or not so obvious flaws. They look for weaknesses in the appearance or the function of a home, and hope to take advantage of those weaknesses in the bargaining process.

If you are like most homeowners, you want to sell your home for the maximum amount of money possible.  However, you must realize that top dollar only goes to properties in good repair.  Unless you want to haggle with the bargain hunters, you need to keep your home in good condition.  If it is not that way now, you need to make it so before putting it up for sale.  If your home and yard looks like they are not being maintained at their finest, then it is highly unlikely you will be getting top dollar for your home. In fact, it goes without saying you will more than likely sell it for far less than what it is really worth with some minor repairs and upkeep!

If you are in doubt about the state of your home, you can always consult with an experienced real estate agent who is known for making sales happen in your neighborhood.   A good agent will give you honest answers about the current condition of your home and what you need to do first so that you maximize the selling price.

Problems With House Showings

homeshowingsHouse showings are an absolute necessity to make a deal. Buyers want to see your home, and they want to do it when it is most convenient to their schedules.   When you put your house on the market, you have to accept the fact that you are committing to showings, and you must be willing to make your home available for those showings. Turning down showings is a sure way to kill potential sales.
Your agent is trained and experienced in “selling” a home. He or she knows how to present the home in the best possible light, and how to answer important questions that buyers are certain to have. They know how to make your home look it’s best, show off it’s best features and how to present it to buyers in a way that encourages a sale. Choose an agent you trust, and let them do the heavy lifting.

If possible, leave the buyer and their agent alone to tour your home. This will cut down on confusion, and ensure the best possible buyer experience.  Keep in mind that most buyers and their agents do not want you or your agent hovering over them. They want to be able to view the home and speak freely without anyone impeding their ability to do so freely, open doors, look inside the fridge, etc.  The buyer’s agent will communicate with yours to get answers to all their customer’s questions.

Strong Odors In The Home Check-for-Odors-Prior-to-Showings

It may seem obvious, but sellers who forget to do things like take out the trash regularly, especially on the day of a showing, are not doing themselves any favors. Pet odors are also a concern, and should be addressed.  Cooking high odor foods during the showing process can also be another problem.
Strong odors are a turn off for buyers, and will greatly impact their impression of your home. This is why real estate agents recommend a professional cleaning prior to listing a home. Make sure your carpet is clean and spot-free and that all other odors are eliminated prior to showing. It is best to use mild but appealing scented candles with vanilla or apple fragrances to encourage the impression of a homey ambiance.  If you are a smoker, it is highly recommended to refrain from doing so indoors during the selling process.

Never underestimate odors when trying to sell your home. Above all else do not take this personally. Remember selling your home is a business transaction. You are simply making your home more marketable to  the widest possible cross-section of buyers.

Dark and Dirty Homes

Keep your home well lit and extremely clean. You want to make your home look as inviting as possible, which means good lighting and no clutter. If your home does not have a ton of windows, make sure that on darker days you plan ahead and leave lights on in the darkest areas of the home. Dark homes are not appealing to buyers. Don’t rely on the buyer’s agent to be the one turning on lights. Take a look at your home each day before you leave in the morning, whether a showing has already been scheduled or not.  You want your home to show its best for any last-minute showing.  Pick up items and store them away, wash and put away dishes and pots, make sure beds are made, mirrors are clean, and leave a few lights on.
cleanhomeCleanliness applies to the exterior as much as the interior, so make certain the landscaping is cleaned up, leaves are raked and the grass is cut. Any clutter in the lawn should be eliminated. Keep the inside vacuumed, counters cleared off and all clothes put away at the very least.

 

 

The Importance of An Agent

All of these mistakes are easily avoided with the help of an experienced real estate agent. A good agent knows what makes a home sell, and what does not. If you want to be certain that your home looks good to buyers, find a local neighborhood expert who will work with you on selling your home. It makes the difference between a good sale experience and a serious disappointment. call-a-realtor-300x297

Keep in mind that not all real estate agents are the same. In fact Realtors are a dime a dozen as it is very easy to get a Real Estate license. Do your home work and hire an agent who has a great track record.  Good internet marketing is a must as this is where buyer’s will be looking at your home. A great real estate agent will have an exceptional presentation for your home. This is something you deserve – a fantastic agent knows this.

Follow this advice and you will be well on your way to enjoying a successful real estate transaction!

Found this beautiful bloom hiding along Heron Bay Blvd. on another beautiful Parkland, FL Day…

Parkland, FL – All ‘A’s!!!

Have you heard the latest news?

Parkland Schools Receive A Rating

According to the most recent FCAT ratings, the elementary and middle schools located in Parkland have received an A Rating. This means that Heron Heights Elementary School, Riverglades Elementary School, Park Trails Elementary School and Westglades Middle School have all earned the highest grade of ‘A’ from the Florida Department of Education in the 2010/11 school accountability results under the state’s A+ Plan.

School grade calculations are based on student performance as measured by the Florida Comprehensive Assessment Test (FCAT) in reading, mathematics, science and writing.

This honor is just another example of how why Parkland is such a great place to live and how  important Parkland holds its children’s future. The A grades are even more important since they follow Forbes Magazine’s designation of the City of Parkland as the no. 1 Top Education Town where the median home price falls between $400k – $600k.

A huge shout out to to all our educators and school volunteers!

Happy Fourth of July!!!

Happy Fourth of July!  We are really looking forward to the holiday and are sure you are too!  What do you have planned for Independence Day this year?  

There are a lot of great, fun, family-events to consider in Broward County this year, starting with Parkland‘s own Red, White and Blue Bicycle Parade held at Terramar Park, 6575 NW 76th Drive on Monday July 4, 2011 from 9:00am-11:00am.

Bring your bike decorated in patriotic colors and parade around the park while the judges’ award 1st, 2nd and 3rd place prizes. This event is open to residents of all ages who want to show their patriotic sprit.

Evolution Martial Arts will showcase a karate/martial arts demonstration. Broward Sheriff’s Office will also have a bike course set up to test the children on bike safety and the Coral Springs/Parkland Fire Truck will be displaying their famous green fire truck! This is a FREE event open to all Parkland residents.

Watch the Fireworks at The City of Coral Springs‘ Annual Independence Day celebration, which takes place from 6-9 p.m. at Mullins Park, located at  10150 NW 29th St. in Coral Springs.

There will be entertainment, with food and refreshments available for purchase. Fireworks display starts promptly at 9 p.m. The event is free but there is a parking fee of $3.

Another great option is Fireworks at The Beach on Pompano Beach.  The Fireworks Extravaganza will begin promptly at 9 p.m. on the city’s main public beach, north and south of the fishing pier by Atlantic Boulevard. Blankets and lawn chairs are welcome. 

Thinking of heading to Fort Lauderdale?   The city’s centennial events commemorate the Wade-In 50th anniversary. This historic event led to the integration of Fort Lauderdale Beach. Celebration begins 9 a.m. at Eula Johnson house, 1100 NW Sixth St., followed by a state historic marker unveiling at 11 a.m. at A1A and Las Olas Boulevard. Call 954-828-4755 to reserve a seat on the free Sun Trolley.

The “Fourth of July Spectacular” on the beach will have a DJ, beach games and the American Legion Patriotic Orchestra performing. Brass Evolution will also take the stage. Festivities start at 12:30 p.m. The half-hour fireworks presentation blasts off 9 p.m. at A1A and Las Olas Boulevard.

In Hallandale Beach, the kids will have a blast with a bounce house, arts and crafts, pony rides, music and balloon animals from 4-8 p.m. at The Village at Gulfstream Park. Their Fireworks show is at 9 p.m. over Gulfstream Park Racing and Casino, 501 S. Federal Highway.

The Independence Day weekend on Hollywood Beach will feature nightly musical performances at the theater (Johnson Street and Broadwalk) from 7:30-9 p.m. Caribbean Music Farm is scheduled to play tonight, upbeat jazz by Phil Fest & Friends on Saturday and classic rock ‘n’ by White Noise on Sunday. Then on July 4th, country music group Rodeo Clowns will be followed by Galo’s tribute to Santana (6-10 p.m.). Twenty minutes of fireworks will light up the sky over the Atlantic Ocean at 9 p.m. Park at a downtown parking garage and ride the free express bus to Hollywood Beach. Normal downtown parking rates apply.

If you are planning a family BBQ at home to celebrate, why not try  one of our personal favorite menus:

  • Rosemary Porterhouse Steaks with Olive Mayo
  • Red Potato Salad
  • Grilled Corn on the Cob
  • Watermelon Sorbet
(Click here for the Rosemary Porterhouse Steaks with Olive Mayo Recipe.)

Set up your patio and backyard for the party and add some flair to your table by adding a red, white, and blue crepe paper streamer around the edges. Apply double-stick tape to the edge of the table, pinch the crepe paper to create pleats, and place it on the tape. You also can run a stitch line through the crepe paper to create extra pleats.

Here’s a little bit of July 4th Trivia for you:  Did you know that the first real July 4th party was held at the White House in 1801?

Whatever you decide to do this Independence Day, we hope you have a wonderful time.  Don’t forget to give thanks for the troops fighting for our freedom and safety and for our many blessings.  

God Bless America!!! 

Hot Home Trends…

The hottest new Home Design Trends reflect the transition from the McMansion Era to simpler spaces that have the ideal flow, layout and design for utility and enjoyment of a home.  Take a look at the hottest new trends:

Trend #1: Convertible Spaces

Forget “museum rooms” we use twice a year (dining rooms and living rooms) and embrace convertible spaces that change with our whims. Foldaway walls turn a private study into an easy-flow party space. Walls can consist of fancy, glass panels ($600 to $1,600 per linear ft., depending on the system); or they can be simple vinyl-covered accordions ($1,230 for 7 ft. by 10 ft.). PortablePartions.com sells walls on wheels ($775 for approximately 7 ft. by 7 ft.). A Murphy bed pulls down from an armoire-looking wall unit and turns any room into a guest room. Prices, including installation and cabinetry, range from $2,000 (twin with main cabinet) to more than $5,000 (California king with main and side units). Just search online for sellers. And don’t forget area rugs that easily define, and redefine, open spaces.

Trend #2: A laundry room of your own…

Humankind advanced when the laundry room arose from the basement to a louvered closet on the second floor where clothes live. Now, we’re taking another step forward by granting washday a room of its own. If you’re thinking of remodeling, turn a mudroom or extra bedroom into a dedicated laundry room big enough to house the washer and dryer, hang hand-washables, and store bulk boxes of detergent. Look for spaces that already have plumbing hookups or are adjacent to rooms with running water to save on plumbing costs.

Trend #3: Souped-up kitchens

Although houses are trending smaller, kitchens are getting bigger, according to the American Institute of Architects’ Home

Design Trends Survey. Kitchen remodels open the space, perhaps incorporating lonely dining rooms, and feature recycling centers, large pantries, and recharging stations. Oversized and high-priced commercial appliances—did we ever fire up six burners at once?—are yielding to family-sized, mid-range models that recover at least one cabinet for storage. Since the entire family now helps prepare dinner (in your dreams), double prep sinks have evolved into dual-prep islands with lots of counter space and pull-out drawers.

Trend #4: Energy diets

We’re wrestling with an energy disorder: We’re binging on electronics—cell phones, iPads, Blackberries, laptops–then crash dieting by installing LED fixtures and turning the thermostat to 68 degrees. Are we ahead of the energy game? Only the energy monitors and meters know for sure. These new tracking devices can gauge electricity usage of individual electronics ($20 to $30) or monitor whole house energy ($100 to $250). The TED 5000 Energy Monitor ($240) supplies real-time feedback that you can view remotely and graph by the second, minute, hour, day, and month.

Trend #5: Love that storage

As we bow to the new god of declutter, storage has become the holy grail. We’re not talking about more baskets we can trip over in the night; we’re imagining and discovering built-in storage in unlikely spaces–under stairs, over doors, beneath floors. Under-appreciated nooks that once displayed antique desks are growing into built-ins for books and collections. Slap on some doors, and you can hide office supplies and buckets of Legos. Giant master suites, with floor space to land a 747, are being divided to conquer clutter with more walk-in closets.

Trend #6: Home offices come out of the closet

Flexible work schedules, mobile communications, and entrepreneurial zeal are relocating us from the office downtown to home. Laptops and wireless connections let us telecommute from anywhere in the house, but we still want a dedicated space (preferably with a door) for files, supplies, and printers. Spare bedrooms are becoming home offices and family room niches are morphing into working nooks. After a weekend of de-cluttering, basements and attics are reborn as work centers.

Staging a home for sale can also greatly benefit from these tips and styles.  Buyers like to see how they can use the space to best suit their needs.  For more information on how to use these trends for Home Staging, give us a call at (702) 538.2294…

Some Content Originally Written By Lisa Kaplan Gordon – a HouseLogic contributor and homebuilder.

Decisions, Decisions…

To rent or to buy!  How to decide?  It used to be a given that you would buy a home as soon as you could afford to –but in the face of the housing market’s big bust and slow recovery, this has become an agonizing decision for many would-be homebuyers.  Low prices seem to create a wide-open window of opportunity, but they also create the concern that prices will keep falling after closing – a fear that has thousands of buyers stuck on the fence, uncertain which direction to take.

However there are some signals in the market right now which indicate that the time is right to get off the fence and buy now:

Rising Mortgage Rates.  Home prices have been low for the last several years, and in fact are currently looking like they’re heading back down to the same levels they were at during the depths of the real estate recession. During this same time frame, interest rates have also been low, which has created record-high affordability for the last few years, causing buyers to believe that this window of opportunity won’t be closing anytime soon and thinking they should wait till the market ‘bottoms out’!

Interest rates are an important consideration though.  Rates have been all over the place for the past few months and, with inflation and Fed rates set to spike later this year, today’s low interest rates might be as good as they’re going to get for a long time to come.

Mortgage rates on the rise are one signal that now might be the peak of home affordability.

   Rents are going up.  Rental rates are also on the rise – just take a look today’s Sun-Sentinel  and see what many are facing.   The fact is that the foreclosure crisis has actually placed increased demand on the rental market, reducing the number of homes available for rent.   Many former homeowners who lost homes to foreclosure now need to rent.  Additionally, buyers have been hesitant to buy and many have elected to stay renters until they are more comfortable with the stability of property values.  Lending guidelines have also become far more restrictive, preventing many potential buyers from being able to get a mortgage.  All of this has increased the demand for rental homes dramatically, causing rental rates to go up.

So with rental rates going up and home prices at an all-time low we see one more signal that now might just be the perfect time to buy. 

The fact is if your career and income are stable and you expect to be in the home for at least 7-10 years, you are most likely better off buying a home than renting!

Check in with a mortgage expert and your financial planner; talk to a Realtor who is an expert in your area and discuss your personal situation and needs.  Buying a home is a major decision – one that creates stability for your family and an investment in your future.

So, don’t stay on the fence, trying to ‘time the market’!  Opportunity may just pass you by…