Most markets across the country are still seeing home prices inch up

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Most markets across the country are still seeing home prices inch up, although at a slower pace than in previous quarters. The national median single-family home price in the fourth quarter of 2018 was $257,600, up 4 percent from a year ago, the National Association of REALTORS® reported Tuesday.

Ninety-two percent of the 178 metro markets measured saw an increase in single-family home prices. Fourteen metro areas saw double-digit increases, down from 18 in the third quarter.

“Home prices continued to rise in the vast majority of markets, but with inventory steadily increasing, home prices are, on average, rising at a slower and healthier pace,” says Lawrence Yun, NAR’s chief economist.

Existing-home sales—which include single-family homes and condos—fell to a seasonally adjusted annual rate of 5.18 million in the fourth quarter, down 7.4 percent from a year ago, NAR reports. Nationwide, 1.55 million existing homes were available for sale, 6.2 percent more than a year ago.

Many West Coast markets, however, remain starved for inventory, Yun says. “The West region, where home prices have nearly doubled in six years, is undergoing the biggest shift with the slowest price gain and large buyer pullback,” Yun says.

Housing affordability across the country will be the key to sustained healthy growth in the housing market, Yun notes.

“That requires more homebuilding of moderately priced homes,” Yun says. Housing starts have fallen short of historically normal levels. About 9.6 million new housing units have been added in the past decade—compared to the projected 15 million to 16 million that are needed to meet population growth and 20 million new job additions.

“Local zoning law changes, expanding construction worker training programs at trade schools and promoting the use of tax breaks for developers in the designated opportunity zones will all play an important role in assuring an adequate future supply of housing,” Yun says.

Most Expensive Markets

The most expensive housing markets in the fourth quarter were:

  1. San Jose-Sunnyvale-Santa Clara, Calif.: $1,250,000 (median existing single-family home price)
  2. San Francisco-Oakland-Hayward, Calif.: $952,400
  3. Urban Honolulu: $812,900
  4. Anaheim-Santa Ana-Irvine, Calif.: $799,000
  5. San Diego-Carlsbad: $626,000.

Most Affordable Markets

The five lowest-cost metro areas in the fourth quarter were:

  1. Decatur, Ill.: $89,300 (median existing single-family home price)
  2. Youngstown-Warren-Boardman, Ohio: $97,200
  3. Cumberland, Md.: $109,100
  4. Elmira, N.Y.: $111,400
  5. Erie, Pa.: $113,300.
Source:
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Barbara Corcoran: Here’s when to buy your first home—and how to do it

Barbara Corcoran: This is when and how to buy your first home
Barbara Corcoran: This is when and how to buy your first home
Self-made millionaire and star of ABC’s “Shark Tank” Barbara Corcoran wants you to buy a home ASAP if that’s something you can do.

While she doesn’t specify an age, in general, “the faster you buy your first home, in my opinion, the better,” she says. “You’ve got to get in the game.”

Corcoran, who made her fortune in real estate, has regrets about how and when she got started. “When I bought my first studio in New York City, I got cold feet and didn’t close and relinquished a 10 percent deposit which took me three years to save,” she says. “And you want to know what happened? I couldn’t get back into the market for almost eight years.”

That meant that “by the time I had the money for a one-bedroom, it only bought a studio, and it just went on and on and on and left me behind,” she continues. “What I learned from that experience is: The minute you can afford something, plunk the money down and get in there.”

If you’re excited and in good shape to buy, Corcoran says these are the five steps to take.

1. Check your credit score

Before trying to buy a home, you want to know where you’re at financially, which means checking your credit score.

“The loan you get to buy the property will be totally dependent on your credit rating,” says Corcoran. Generally speaking, the higher your credit score, the lower the interest rate on your mortgage, and a lower interest rate can mean significantly lower monthly payments. In other words, a high credit score means you’ll spend a lot less on your home in the long run.

If your score isn’t great, consider taking some time to improve it before home shopping, she says.

The 4 biggest mistakes first-time homebuyers make

The 4 biggest mistakes first-time homebuyers make

2. Figure out what you can afford

Corcoran offers a simple formula to help you determine how much you should spend on your first home: “Multiply your salary times four and that’s generally what you can qualify for.”

While this formula assumes you’ll be able to make a 20 percent down payment, “if you haven’t been able to muster 20 percent together, you shouldn’t lose heart,” Corcoran says. Some experts, like Bach, say a down payment of at least 10 percent is OK, though more is always better.

Another simple rule of thumb to follow, says Corcoran and other experts, is to aim to spend about 30 percent of your take home pay on housing costs. Keep in mind that this 30 percent encompasses more than just the sticker price of the home: It should include all related costs, like mortgage interest, taxes, insurance, maintenance and any renovations you might want to make.

Here's exactly how much house you can afford on your salary

Here’s exactly how much house you can afford on your salary, according to Barbara Corcoran

Why 30 percent? It’s a standard that the government has been using since 1981: Those who spend more than 30 percent of their income on housing have historically been said to be “cost burdened.” Those who spend 50 percent or more are considered “severely cost burdened.”

As a first-time homebuyer, be prepared to start small, Corcoran adds: “If you’re thinking about buying your first one-bedroom, change your thinking: Buy your first studio instead. If you can’t afford a good studio, buy a little studio. The reason being is you want to trade up.

“Every single person who is living in a multimillion-dollar home started with something smaller that they didn’t find acceptable. Lower your standards. Get something small so you have a chit in the game, and you can trade up the studio to a one-bedroom, two-bedroom, four-bedroom house.”

3. Budget for closing costs

“The biggest mistake that first time homeowners make is they forget that they need closing costs — not just the down payment of say 10 or 20 percent,” says Corcoran.

Closing costs vary depending on where you live and the type of loan you choose, but you can expect them to tack an additional 2-5 percent of the total cost of the home onto the final price. That means, if you’re buying something for $200,000, you’ll owe anywhere between $4,000 and $10,000 in fees.

For the median U.S. home, these expenses exceed $13,000.

The types of fees you can expect at closing include recurring costs like property taxes, homeowners insurance, prepaid loan interest and title insurance, plus nonrecurring costs like an inspection fee, application fee, appraisal fee or credit report fee for pulling your credit score.

To get a better idea of exactly what your costs will add up to, use a closing-cost calculator.

“Get something small so you have a chit in the game, and you can trade up.”-Barbara Corcoran

4. Shop in the right area

Location is everything. In fact, if you buy in the up-and-coming areas, you won’t just become a homeowner — you could make a fortune, says Corcoran. You’ll get in at a lower price and, if you make a smart bet, you’ll see “tremendous appreciation,” she says.

Corcoran’s strategy for finding the next hot spot is unconventional but effective: “What I’ve always done is I’ve asked my very nice, very young waiters at new, posh restaurants: ‘Hey, where are you living?’ They’ll always cite a neighborhood I’ve never even heard of and then I go out there and shop for real estate.”

After all, “if people are talking about it, it’s already been up and it’s already coming. Too late for that.”

If you can be flexible about where you live, she suggests you consider buying in a city that can give you more bang for your buck, like Nashville, Austin or Denver.

5. Get pre-approved for a mortgage

“Before you go out shopping for your first home, the most important thing you have to do is to qualify with a bank for your mortgage in advance,” says Corcoran.

Pre-qualification is an estimate of how much you can borrow from your lender. Ideally, you’ll go one step further and get pre-approval, which analyzes your creditworthiness and assures the seller that you can see the deal through.

If you’re pre-approved, “you’re going to be able to walk in and say, ‘My bid is an all-cash bid,'” Corocran says. “What all-cash really means is, your bid’s not contingent on you getting financing from a bank — you’ve already cleared that with the bank, so you’ve got all-cash to close on the property.”

That can make all the difference between winning a bid or not, she says: “The power word in buying real estate is, ‘I’m all-cash.’

By  CNBC

For original article, go to https://www.cnbc.com/2019/01/04/barbara-corcoran-how-to-buy-your-first-home.html

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To sell a home fast, here’s what to focus on, real estate experts agree

Real estate experts agree: The smartest place to put your money isn't inside the home

Real estate experts agree: The smartest place to put your money isn’t inside the home

Whether you’re flipping a property or simply looking to get the best price for your home once it’s time to sell, you need to be smart about where you invest your time and resources. Not every room or feature is equally important, real estate mogul Barbara Corcoran tells CNBC Make It.

“Realize that the buyer walks in and judges that house within 30 seconds,” she says. So focus on the areas that prospective buyers will see immediately.

The first thing a buyer is going to see isn’t even inside the house: It’s the exterior, including features like your front door, mailbox, lawn and driveway.

To ensure that your home makes a great first impression, “you want to spruce up the front entrance to your house, repaint the door, make sure the bushes look good, make sure the garden looks in order and power-wash the sidewalk and the driveway,” says Corcoran.

Real estate mogul: Why your home's finishes, and even a $16,500 door, is worth it
Real estate mogul: Why your home’s finishes, and even a $16,500 door, are worth it

Real estate expert Sean Conlon agrees that your home’s street presence, or “curb appeal,” is crucial. “Your lawn should look beautiful,” he tells Make It. “Your shrubs should be nice and colorful and well taken care of. … Your shutters and windows should look nice. When people pull up, they should go, ‘I could picture myself pulling up in the evening and this being my home.'”

That said, you don’t want your home to stand out for the wrong reasons, says Sidney Torres, who helps struggling property investors on CNBC’s “The Deed”: “You don’t want to have light pollution, where the house is just so bright and it sticks out from all the other houses,” he tells Make It. Rather, “I want to make sure that the house is lit almost like a candle: A nice amber light.”

Focus on those kinds of details pays off: “Curb appeal is everything when you’re trying to sell a home,” says Torres, “because that’s the first thing [buyers] see to get interested.”

At the end of the day, he says, “you want them to want to come inside the house.”

, CNBC

For original article, go to https://www.cnbc.com/2019/02/06/curb-appeal-is-key-to-selling-a-home-say-corcoran-conlon-and-torres.html

 

 

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The 4 Best Ways To Invest In Your Own Home

Home improvements are a great way to make your living situation more comfortable, but certain improvements can also do wonders for your home’s value.

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While your home is not exactly an “investment” in every sense of the word, it does have the ability to appreciate (or decline) in value over time.
And, from an investment perspective, making improvements to your house can be a great use of your discretionary income. For example, if you get a $15,000 bonus this year, it’s a better financial decision to make some improvements to your home as opposed to taking the family on an expensive vacation.

However, not all improvements are created equal. Some will add more value per dollar spent to your home than others. Here are four improvements that tend to add a lot of value to your home according to Remodeling’s 2014 “cost vs. value report”, and some that don’t make much financial sense at all.

Replacing old siding
If your home’s siding is worn or outdated, replacing it could be a good use of your money. Not only can you expect to recoup more than 78% of your investment, but modern siding will last longer and require less maintenance than older materials.

And the return on investment goes up to a whopping 87% if you spend the extra money on upscale fiber-cement siding. It will give your home a high-end look while providing years of durability.

The key word here is “minor.” A minor kitchen remodel costs about $20,000 and consists of projects such as refacing (not replacing) cabinetry, replacing old appliances with energy-efficient models, and adding new but inexpensive countertops, sinks, and faucets.

The difference between a dated kitchen and a mid-range remodeled one is substantial, and homeowners can expect to make back nearly 83% of the project’s cost.

However, luxury kitchens are not quite as financially appealing, with the average upscale major kitchen remodel only returning 63% of the cost.

And another word of caution – the quality of your kitchen should match the rest of the home. If you have a relatively dated 2-bedroom house worth about $125,000, it doesn’t make much sense to sink $50,000 into granite countertops, state-of-the-art cabinetry, and high-end appliances. Your ROI (return on investment) will be awful if you do this.

Adding a wood deck to a house will add 87.4% of the project’s cost to the value of the home. The average 16 by 20 foot wooden deck costs just under $10,000 to build, and for those who are good do-it-yourselfers, you could save more and create a better ROI by doing some of the work yourself (as long as you know what you’re doing).

A new door

While replacing your front door is the lowest-cost project here; it’s also the one most likely to pay for itself.

The average steel entry cost $1,162 and homeowners can expect to recoup nearly 97% of the cost of the project. A new door is simply a very inexpensive way to change the look, feel, and initial impressions of your home.

Things not to do
Now, this isn’t to say that you shouldn’t do any of these things. Just know that you’re unlikely to recoup most of your money in increased property value.

A swimming pool is one of the worst improvements (financially) that you can make. A relatively basic in-ground pool costs from $20,000 to $60,000, and upscale models can cost much more, and they won’t add much value to the home. This varies by market, but pools can be thought of as more of a burden than a bonus by many people.

So, how much of a factor should ROI be?
The projects mentioned here can add significant value to your home, and make your home stand out more to prospective buyers. All of these improvements mentioned are very desirable and are almost expected by house hunters.

The bottom line here is that while the financial return shouldn’t be the only factor when doing home improvements (hey, if you really want a pool, get a pool), but it should be taken into consideration, especially if you plan on selling the home anytime in the next several years.

Aug 23, 2014 at 12:28PM
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Interest rates have risen, but keep an accurate perspective!

Interest rate chart

Interest rates have risen this last year but this chart gives you a good overall perspective. Rates got up to 18.28% in the early 80’s so our current rates are looking pretty low when you compare to where they have been. (Graph provided by CAR.)

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Selling your home? These 7 renovations offer the best bang for your buck

Adding amenities to your home can mean more money in your pocket down the road, but it’s hard to know which ones to choose. Zillow studied 4 million home sales to figure out which are worth it. From USA TODAY

Renovating your home can increase resale value, but some upgrades make more sense than others.

If you’re like most Americans, your home is probably your biggest investment. You want that investment to perform as well as possible, so if you think you may sell your home sometime soon, it makes sense to do as much as you can to boost its value.

Depending  on your situation, this can mean doing some home renovations so your house becomes more attractive to potential buyers.

But, while upgrades can boost your home price and help your home sell faster, not all renovations have an equal impact on what your home is worth. To ensure you’re making renovations that will actually pay off, read on to find out some upgrades that give you the most bang for your buck.

1. Improving energy efficiency

While most homeowners think upgrades that improve the look of their home will pay off, improving your home’s efficiency may actually make a bigger difference. In fact, a Remodeling.com survey found homeowners can recoup 116% of the costs of attic insulation. And attic insulation is just one of many upgrades that improve efficiency.

“While renovating the kitchen and updating the bathrooms are both great improvements that can increase property value, making energy efficient upgrades will give you more bang for your buck,” according to Sacha Ferrandi, founder of Source Capital Funding, Inc. a real estate finance company. “As the number of energy efficient homes continues to rise, first time buyers and renters are beginning to favor these upgraded homes over traditional homes due to the potential long-term savings.”

Ferrandi recommends upgrading HVAC, water heaters, and windows — these changes cost less than solar panels and are more likely to provide a positive return on investment when the time comes to sell. When you sell, you can recoup around 73% of the costs of upgrading 10 old windows with new ones, and your energy bills will be lower in the time before your move.

If you make energy efficient upgrades, make sure your realtor markets your home appropriately. You can even consider providing copies of your utility bills to potential buyers so they can see how low ongoing costs will be.

2. Sprucing up your exterior

You only get one chance to make a first impression when a buyer pulls up to your home. That’s why Holden Lewis, home analyst at NerdWallet believes the best bang for your buck comes from projects that enhance curb appeal.

“Real estate agents say that the first impression counts the most,” Lewis said. “And the first impression comes from what the buyer sees when the car pulls up to the curb.”

Making changes to your home’s exterior doesn’t have to cost a fortune. “Curb appeal can be improved by some basic efforts such as power washing the home’s exterior,” advised Rhoda Wheeler a realtor with Hoffman Real Estate Group in the DC Metro area. Alternatively, Allen Johnson, realtor and leader of the AJ Team at Keller Williams Realty, recommends painting the home’s front door. “It cost less than $200 and it’s the first impression as the buyer’s enter the home.”

Improvements to landscaping were also recommended by Wheeler, Johnson, and Lewis. “Think about refreshing mulch, trimming shrubs, and planting seasonal colorful plants. These small investments create value when selling a home,” according to Johnson. In fact, while the statistics vary, most evidence shows you’ll get more than a 100% return on investment for money spent on landscaping.

Making more major upgrades to your home’s exterior can also pay off. Studies have shown you can recoup around 93% of the costs of adding stone veneer, around 91% of the costs of a new garage door, and around 91% of the costs of a new entry door.

3. Budget-friendly kitchen remodels

Roh Habibi, realtor and star of Million Dollar Listing, San Francisco, lists landscaping as the number one remodel that pays off — but the kitchen is second on his list. Habibi describes the kitchen as the “heart of the home,” and recommends focusing on colors and textures when making upgrades. “You don’t need to break the bank for the appliances,” he said.

Most experts agree a kitchen is key to improving a home’s value and Kevin Deselms, a realtor with RE/MAX Alliance in Golden, CO, advised that if a seller has only enough money to renovate one room, the kitchen is the room to pick. “Kitchens are the focal point of almost every home showing and an impressive kitchen will almost always make the difference between an average offer and the maximum,” Deselms said.

Investing in the kitchen makes a lot of sense, as studies have shown as many as 80% of homebuyers list the kitchen as their favorite room. When your kitchen is updated, buyers may also be more forgiving of other outdated areas. “I’ve found that my clients are more likely to tolerate an outdated bathroom than an outdated kitchen,” Maria Tabakova, an agent with Triplemint said.

You don’t have to spend a fortune to make a big improvement in your kitchen, either. In fact, while a major kitchen remodel returns only around 80% on your investment, a minor remodel has an 87% return. A minor face-lift for your kitchen could include painting cabinets or getting new cabinet doors, installing new appliances, upgrading countertops, or switching out cabinet hardware. “There’s just something about new doors and handles and stainless steel appliances that make people excited,” advised Mike Higgins of Keller Williams Realty in Green Bay.

4. Bathroom remodel

If your bathrooms are outdated, this is another room where updates could make a big impact. “Next to kitchens, bathrooms are the number two selling point in most homes,” according to Cedric Stewart, a residential sales consultant and team leader of Entourage RG at Keller Williams in Washington D.C. “Nail this upgrade and you’re halfway to the closing table!”

Studies have shown a minor bathroom remodel can provide a 102% return on investment, and you don’t have to spend a fortune to make big upgrades.

“Consider re-grouting tile; remove and replace caulk around the shower, tub, and toilet areas; and maybe it is time to replace the toilet for a more efficient and modern look,” advised Nancy Wallace-Laabs, a licensed real estate broker and founder of KBN Homes, LLC. “Replacing mirrors and fixtures will also go a long way to improve the look and feel of the bathrooms.”

Higgins also advised changing a plastic tub to a tile shower. “The impression it gives a potential buyer when they’re viewing homes in a similar price point could be huge,” he said. While converting a standard five-foot tub into a tile shower can cost around $4,000 to $5,000, you may get back as much as 84% of the money when you sell your home.

5. A new coat of paint

One of the cheapest updates you can make also has one of the best returns on your investment: painting your home’s interior.

“It cannot be underestimated the effect that a clean coat of new paint has on a property,” said William Fastow, a real estate agent with Sotheby’s International Realty. “Most sellers don’t realize how much abuse walls take ownership until that fresh coat of paint has been applied. New paint lightens rooms, hides visual defects and instantly makes a space feel fresh and clean.”

Painting an interior can produce a 109% return on investment, but could benefit you even more if your home’s colors are unusual. “The colors most people have in their homes are personal, but they should be transitional and appeal to a larger pool of people,” advised Patrick Ryan, a certified residential specialist, senior vice president, and managing broker at Related Realty in Chicago. “Our brokers often suggest Benjamin Moore Gray Owl. It goes with every other color out there — it’s clean and just dark enough to contrast with white  borders and make them pop.”

6. Fix your flooring

Flooring makes a huge difference in how your house comes across to buyers and upgrading it can make a big impact.

“The least expensive thing you can do to get your home ready to sell is a nice coat of neutral paint and either new carpet or flooring,” advised Gina Lipari, a real estate agent with Berkshire Hathaway HomeServices in Southern California. “It makes such a difference to buyers, and makes the home look as if it has been maintained nicely. New flooring and paint will instantly brighten up the home, and give it an instant update for very little expense.”

Today, many buyers place a premium on hardwood floors and, when done correctly, hardwood floors could add around 2.5% to a home’s sale price. Installing hardwood can be costly, with popular woods running around $5 to $10 per square foot plus the costs of installation, but you can recoup as much as much as 70% to 80% of the cost when it’s time to sell.

If you’re short on funds, focus on replacing floors in public areas including kitchens and living rooms, while opting for less costly carpet in the bedrooms.

7. Increase your square footage

If you’re up for a bigger investment, making your home bigger — or making more areas of your home livable — could make a huge difference.

“A home’s valuation is strongly driven by the amount of livable square-footage,” said Evan Roberts, a real estate agent and owner of Dependable Homebuyers in Baltimore, MD. “The best bang for your buck upgrades are always those that add to this square footage, like finishing the basement or converting an enclosed deck into a sun room.”

The data is clear that adding space can pay off. You could recoup as much as 83% of your spending on a two-story addition, 81% of spending on adding a bathroom, 74% on a family room addition, and 73% on adding an attic bedroom.

These additions can be really costly, and you’ll tend to benefit the most from adding square footage if you’re bringing your home in line with your neighbors rather than making your home the biggest on the block. If you’re the only two-bedroom in the area, it could be hard to even sell your house without upgrading to a third.

A home in the background with for sale/sold sign in

Upgrade your home the right way

Ultimately, the market where you live is going to have the biggest impact on the upgrades you should make. Working with a local realtor can help you to decide what upgrades it makes sense to invest in so your home meets the expectations of buyers in your market.

You’ll also want to make sure upgrades and updates you do in anticipation of selling your home are neutral and designed to appeal to many buyers, as upgrades that buyers don’t like won’t add any value at all.

by The Motley Fool has a disclosure policyPublished 3:04 p.m. ET April 13, 2018

The Motley Fool is a USA TODAY content partner offering financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.
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6 Reasons You Should Never Buy or Sell a Home Without an Agent

It’s a slow Sunday morning. You’ve just brewed your Nespresso and popped open your laptop to check out the latest home listings before you hit the road for a day of open houses.

You’re DIYing this real estate thing, and you think you’re doing pretty well—after all, any info you might need is at your fingertips online, right? That and your own sterling judgment.

Oh, dear home buyer (or seller!)—we know you can do it on your own. But you really, really shouldn’t. This is likely the biggest financial decision of your entire life, and you need a Realtor® if you want to do it right. Here’s why.

1. They have loads of expertise

Want to check the MLS for a 4B/2B with an EIK and a W/DReal estate has its own language, full of acronyms and semi-arcane jargon, and your Realtor is trained to speak that language fluently.

Plus, buying or selling a home usually requires dozens of forms, reports, disclosures, and other technical documents. Realtors have the expertise to help you prepare a killer deal—while avoiding delays or costly mistakes that can seriously mess you up.

2. They have turbocharged searching power

The Internet is awesome. You can find almost anything—anything! And with online real estate listing sites such as yours truly, you can find up-to-date home listings on your own, any time you want. But guess what? Realtors have access to even more listings. Sometimes properties are available but not actively advertised. A Realtor can help you find those hidden gems.

3. They have bullish negotiating chops

Any time you buy or sell a home, you’re going to encounter negotiations—and as today’s housing market heats up, those negotiations are more likely than ever to get a little heated.

You can expect lots of competition, cutthroat tactics, all-cash offers, and bidding wars. Don’t you want a savvy and professional negotiator on your side to seal the best deal for you?

And it’s not just about how much money you end up spending or netting. A Realtor will help draw up a purchase agreement that allows enough time for inspections, contingencies, and anything else that’s crucial to your particular needs.

4. They’re connected to everyone

Realtors might not know everything, but they make it their mission to know just about everyone who can possibly help in the process of buying or selling a home. Mortgage brokers, real estate attorneys, home inspectors, home stagers, interior designers—the list goes on—and they’re all in your Realtor’s network. Use them.

5. They adhere to a strict code of ethics

Not every real estate agent is a Realtor, who is a licensed real estate salesperson who belongs to the National Association of Realtors®, the largest trade group in the country.

What difference does it make? Realtors are held to a higher ethical standard than licensed agents and must adhere to a Code of Ethics.

6. They’re your sage parent/data analyst/therapist—all rolled into one

The thing about Realtors: They wear a lot of different hats. Sure, they’re salespeople, but they actually do a whole heck of a lot to earn their commission. They’re constantly driving around, checking out listings for you. They spend their own money on marketing your home (if you’re selling). They’re researching comps to make sure you’re getting the best deal.

And, of course, they’re working for you at nearly all hours of the day and night—whether you need more info on a home or just someone to talk to in order to feel at ease with the offer you just put in. This is the biggest financial (and possibly emotional) decision of your life, and guiding you through it isn’t a responsibility Realtors take lightly.

 

Article by Rachel Stults 

From https://www.realtor.com/advice/buy/why-you-should-use-realtor/

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