image of a thank you card with art of plants printed on the front

The Power of a Thankyou note…

There is nothing like the feeling you get, wether you notice it or not, when you open a thank you note. It means so much to me to receive one and I love sending them as well. A simple note with kindness words. It brightens the day, lifts you up, and gives you a boost that can last for days! I keep my cards and re read them when I stumble upon them on my bulletin board, or desk top in a pile. The words remind me of my “why”. Why do I love collaborating with clients to prepare their homes to go on the market and sell or walk the complex waters of buying a home? To Help! To make one of the most stressful and largest financial decisions someone makes, less stressful and successful. It’s personal and business. I love sharing my skills and expertise with my clients and strategizing for the best outcome and success. see testimonials

Everyone loves to feel appreciated.

A quick thank you note can mean the world to our people. It’s a small gift that keeps on giving. When we write them we are acknowledging and focusing on what we are grateful for, its a built in gratitude session!

One of my amazing mentor’s and coach is Nicole Mangina. She gave me this book; a 2 minute morning gratitude journal. I love it and share with people. It’s easy, quick, and helps me get my head in the right place to start the day! link to book

image of a small house inside of a snow globe in the woods — Lets compare …

Is our current housing situation going to burst?

Our current housing market is raising some concern by many people. Is this a “bubble” like the one in 2008 that burst? Is this rate of appreciation sustainable, and on and on…I too have been watching and have growing concern over the cost of housing and the social demographic changes in our communities.

To help understand our current market and the differences between now and in 2008 I have attached a link to a video by Windermere’s chief economist Mathew Gardner. It really is worth the time if you can carve out 30 minutes. By looking at the two markets, dissecting the key factors that lead up to the increase in home prices and clarifying the differences, we can make a little more sense of it.

Here are my brief take aways-

Supply & Demand and better mortgage products are the two biggest differences.

Home Supply:

· There is 36% lower inventory in 2021 than in 2005

· 2000-2006 there were 3.8 million new house holds

· 2014-2020 there were 10.5 new households.

Mortgage regulations and products

· 2004- 35% subprime

· 2021- 3.15% subprime

· In 2000 Increased prices were related to mortgage products; 70% of all loans were using these; IO- interest only, Sub Prime, NINJA- no income, no job, no assets… loan program

· 2021; regulations are tighter on mortgage qualifications and much larger down payments and higher credit quality which make for great loan to value ratios.

· 2020 High credit strength and significant equity is a completely different scenario

I highly recommend you take the time to listen to this. It is so informative. I’d love to hear your comments and start a discussion.

Here is the video link.